BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28
Company: Affirm Holdings, Inc
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I got a loan for an XXXX of {$1300.00} and made one payment via my bank and then paid it off. I got various small purchases from Affirm and some of the bank direct payments failed, they notified me in a few days, and I switched the auto payment to my visa debit for the same bank and account. All went through. In the process they sent me an email saying they had tech problem and apologized. Now they have shown me as paying the monthly loans late, ruining my credit, and cutting my credit limit. I want them to rectify this and apologize. Im certain this has gone on with many others, particularly the elderly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Comenity Bank has been undergoing a scheduled maintenance for a few days and customers can not access their accounts to make payments. There is not an option to speak with a representative to pay over the phone. I do not want to incur a late fee because of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-28
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
my job just got a report back from you guys showing a crime i committed that was way over 7 years ago and they fired me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA. 

In accordance with the Fair Credit Reporting Act below, the following accounts have violated my rights : 15 U.S.C. 1681, Section 602 A. States : I have the right to privacy 15 U.S.C. 1681, Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666b : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason PERMISSION WAS NOT GIVEN TO FURNISH THIS INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TrueAccord Corp.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TrueAccord made initial contact via email on XX/XX/XXXX, on behalf of XXXX XXXX, XXXX, regarding consumer debt they alleged was mine ( it was not ) and wanted me to pay. They made subsequent contacts via email on XX/XX/XXXX, XXXX, and XXXX, and as a result, I sent a letter via certified mail on XX/XX/XXXX, requesting an official debt validation within 15 days. TrueAccord did not respond to my request but continued making contact via email on XX/XX/XXXX, XXXX, and XXXX, XXXX ; XX/XX/XXXX, XXXX, XXXX, and XXXX, XXXX -- asking me to pay the debt. I sent a debt collection letter via certified mail on XX/XX/XXXX, officially requesting debt cancellation. 

I then received two debt collection letters in the mail on XX/XX/XXXX, from XXXX XXXX XXXX. They explained some of the debt -- including the original creditor origination date ( XXXX ). Having never opened a credit account with that creditor or at the alleged date, I submitted a message on XXXX 's website on XX/XX/XXXX, stating the inaccuracies of the debt and statute of limitations in Michigan ( 6 years ), and I requested that the debt be removed from my records. 

I received an additional debt collection letter on XX/XX/XXXX, from XXXX XXXX, XXXX, attempting to collect the same debt that TrueAccordXXXX XXXX, XXXX attempted to collect in XX/XX/XXXX. In this letter, XXXX XXXX indicated that XXXX XXXX XXXX was a parent company to XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: LA
Product: Other financial service
Sub-product: Debt settlement
Issue: Unexpected/Other fees

Complaint:
This company has a problem telling the true with their debt settlement program. When I signed up XXXX, I thought they was handling my settlement program. I was told there will be no additional fees for service and they will contact my creditors to handle the proposal. However, this was a lie. 
They have another party Global Client Solutions XXXX and UCAN involved and they are the unprofessional and rudeness people to deal with. Refuse to call back, refuse to talk with the creditors on a proposal and lied about what is available since they are also taking fees that I was told at the beginning will not occurred. 
Today I talked with a supervisor XXXX and he was rude and told him I do not like the wait he was talking and gave me a very caustic answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act, XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX  # XXXX, and XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/22 I called fraud services at US Bank to report unauthorized use of my visa debit card. A claim was established, replacement card was received, and provisional credit was received by XX/XX/22. On Monday XX/XX/22 I used my card for a coffee purchase and it worked. Went to the ATM at XXXX pm pst same day to pull out cash and the ATM message indicated the account was invalid. Went into the branch located in XXXX CA and was told they have no info to call the customer service number. Called the toll free customer service was hung up 2x during a transfer and was told my account was being closed and I would receive my account balance within 3-5 days via cashier check. Have not received anything to date. Called the Fraud Department who would not give me any information regarding the hold of my funds and was advised I would receive a notice in the mail. I called again and was told that my account has a back end department hold until the fraud claim has been resolved and they refused to tell me why other then in their own words " they can do what they want and do not have to advise me of anything ''. I was then told they may hold my funds for up to 90 days. I received a notice in the mail today XX/XX/22 dated XX/XX/22 stating they have elected to close my account, no explanation again as I was advised by a person it would indicate. The notice notes my funds would be released after al outstanding obligations are met and at that point I was receive my funds within 15 business days. 

I have no outstanding obligations. The bank is holding all my funds which exceed the provisional credit they applied to the account. In the mean time I have wen to another bank and am now dealing with late fees, late payments ect because i can not access {$5400.00} that is rightfully mine. Please also note that when I spoke to the fraud department and brought up my concerns with outstanding payments which include my mortgage I was assured it would be paid... it was not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Credit Management has been sending me collection letters for a past due amount of approximately {$430.00}, that I do not owe. This is a bill from many years ago- approximately 6 or 7 years.They are saying ( when I called them ) that the bill is from a store ( XXXX 's / XXXX XXXX  XXXX that is no longer in business. 

XXXX ) I paid the bill -that was approximately {$120.00} years ago at my local XXXXXXXX XXXX store. 
XXXX ) No -- I do not have a receipt now as it has been many years. 
XXXX ) I offered to pay the original amount just to get it off my credit report but that was refused by Midland Management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: WHEELS FINANCIAL GROUP, LLC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
Wheels Financial Group, LLC DBA Loan Mart as a servicer and XXXX XXXX XXXX as a lender are not registered in the state of Florida with Florida Office of Financial Regulation. 

XX/XX/XXXX Signed Installment Loan and Security Agreement for {$2400.00} ; Loan Given {$2300.00} APR 178.51 % Florida law allows a title lender to charge you interest on your loan of up of 30 % per year for the first {$2000.00} you borrow ; 24 % a year for any additional money you borrow between {$2000.00} and {$3000.00} ; and 18 % a year on any money you borrow over {$3000.00}. 
XX/XX/XXXX XXXX XXXX Payment of {$1000.00} and {$230.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Debit Card Payment of {$170.00} XX/XX/XXXX Debit Card Payment of {$200.00} XX/XX/XXXX Debit Card Payment of {$760.00} XX/XX/XXXX Loan Mart Repossessed XXXX XXXX XXXX XX/XX/XXXX Pay Off Balance {$4500.00} XX/XX/XXXX I received a email of current balance {$3800.00} and settlement of {$500.00} XX/XX/XXXX Florida Office of Financial Regulations confirmed Loan Mart as a servicer and XXXX XXXX XXXX  are not registered in the state of Florida as a Financial Institution nor a Title Loan Company Florida Statute XXXX License required; license fees- ( 1 ) A person may not act as a title loan lender or own or operate a title loan office unless such person has an active title loan lender license issued by the office under this act. A title loan lender may not own or operate more than one title loan office unless the lender obtains a separate title loan lender license for each title loan office. 

( 7 ) Each licensee shall designate and maintain a registered agent in this state for service of process. 

Florida Statute 537.013 Prohibited acts.- ( 1 ) A title loan lender, or any agent or employee of a title loan lender, shall not : ( d ) Make any agreement requiring or allowing for the personal liability of a borrower or the waiver of any of the provisions of this act. 
( f ) Fail to exercise reasonable care, as defined by commission rule, in the safekeeping of loan property or of titled personal property repossessed pursuant to this act. 
( h ) Sell or otherwise charge for any type of insurance in connection with a title loan agreement. 
( i ) Charge or receive any finance charge, interest, or fees which are not authorized pursuant to this act. 
( j ) Act as a title loan lender without an active license issued under this act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid in full on XX/XX/2020, in the amount of {$150.00} but it continues to show up on my Credit Report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of who may have knowledge concerning any such items of information. 

They did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated, but how is that possible when they didn't do a proper investigation. This is grounds for removal. 

They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy 15.U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I did not give anybody written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: BETHPAGE FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 I wrote a check # XXXX for {$13000.00} to XXXX XXXX on behalf of my business XXXX XXXX XXXX. The purpose of this check was to pay an invoice for their client XXXX XXXX. 

The check was mailed to XXXX 's former address : XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX but was not forwarded to their new address XXXX XXXX XXXX XXXX XXXX, NY XXXX. XXXX did not receive this check. It was intercepted at their former address by an individual. 

The check did clear my account but not by the intended recipient. It was deposited to Bethpage Federal Credit Union. I alerted my bank and they initiated a fraud claim with Bethpage at the end of XXXX. XXXX had 90 days with which to respond and they have not done so. My bank suggested I file a complaint with CFPB. 

I have copies of the front and back of the check as well as a notarized letter from my bank noting that I am claiming fraud. I also have a letter from the intended recipient, XXXX XXXX, noting that they never received this check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To whom it may concern, I am writing to delete the following information in my file : XXXX XXXX XXXX ( Account # XXXX ) My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates. 

I need your help to have this item removed from my credit report as soon as possible, please. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Comenity bank system is offline, call centers are closed and I can not login. I was attempting to submit a payment. Now I have a late pay on my credit because my autopay didnt go through

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-28
Company: TRUIST FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email on Thursday, XX/XX/XXXX that a checking and savings account was opened with truist bank and my email address was the receiving the confirmation emails that the accounts were created. I contacted the banks customer service and immediately filed a fraud report with them and they provided instructions on what to do in case personal information such as SSN were also breached. Afterwards I called the experian hotline to place a 1 year alert/freeze on my SSN in case that information was breached or other accounts could be opened. I have not received any emails or other contact from Truist since then

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation