BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, TRANSUNION, AND XXXX  ARE ALLOWING TWO COLLECTION ACCOUNTS TO BE REPORTED OPEN ONE MONTH THEN CLOSED THEN NEXT MONTH. MARYLAND STATE LAW REQUIRES THE ORIGINAL CREDITOR AND COLLECTION ACCOUNTS MUST BE DESIGNATED AS CLOSED AFTER 3 YEARS AFTER DATE OF FIRST DELINQUENCY. THERE IS NO LEGAL OR LAWFUL WAY OF DEBT COLLECTION AFTER THIS DATE. I HAVE SENT VIA REGISTERED MAIL TO SAID COLLECTION AND ORIGINAL CREDITOR ACCOUNTS CEASE AND DECIST LETTERS VIA US POSTAL CERTIFIED MAIL. I WILL CONTINUE TO REPORT THIS AND CONTACT THE MARYLAND ATTORNEY GENERALS OFFICE THEN PURSUE A LEGAL REMEDY AGAINST EXPERIAN, TRANSUNION, AND EQUIFAX. THEY ARE CURRENTLY VIOLATING FEDERAL AND STATE LAW REGARDING CREDIT REPORTING PRACTICES. I HAVE MADE COMPLAINTS TO THEM AND ALL EVIDENCE IS IN THEIR POSSESSION. MY CREDIT SCORE JUMPS 70 POINTS EVERY OTHER MONTH DUE TO THEIR NEGLIGENCE. THIS MUST STOP THIS IS ILLEGAL AND I WILL SEEK DAMAGE.

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 2017-05-22
Company: Aargon Agency, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They called my cell phone, told.me it was recorded and placed me on hold. I hung up. I called them back. They asked me to verify myself and needed my last  4 o f social. I asked what it was concerning and he told me once I verified who I was they would tell me. Said by Federal law had to have  two for ms of verification. I told him to send it to me in writing that was Federal as well, and until then to   XXXX    XXXX   XXXX . I then hung up and called back again. A female not speaking fluent English. Asked for phone number. Gave it to her. Asked if I was   XXXX   XXXX  . I said yes ... that to me i s two forms o f ID. Then asked for last  XXXX  of social. I again refused and asked who she was with. Could not tell me without verification. She then asked for middle initial. I told her "  XXXX  ''. She then said that did n't match and needed me to verify address. I told her she now had three forms of ID. Still refused to tell me who she was with or representing. I then hung up again. Has been added to my reject call list.

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 2020-04-06
Company: EQUIFAX, INC.
State: AR
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:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

COLLECTIONS XXXX {$1200.00} XX/XX/XXXXXX/XX/XXXX XXXX {$610.00} XXXX XXXX XXXX  XXXX {$44000.00} XXXX XXXX {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: CITIBANK, N.A.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
Good afternoon, I am writing to your agency again in regards to a previous case # XX/XX/XXXX-XX/XX/XXXX. Brandsource advised on a letter mailed to me and your agency, that they would update my credit report for all three credit bureaus to include a statement " disputed by consumer ''. They failed to do so. I have recently disputed this account with all three major credit bureaus since this statement is missing from my credit file. Furthermore, to add insult to injury, Brandsource failed to report accurate payment information. On my XXXX  credit report, they reported my payment history inaccurately. I always paid more than the minimum payment. On two reports, they reported XXXX as the amount paid and only the minimum payments of {$27.00}, {$28.00} for each month. All of these inaccuracies is affecting my credit score. On my XXXX  credit report, they stated that I had a high balance of {$1400.00} from XX/XX/XXXX to XX/XX/XXXX which is not correct. The high balance of {$1400.00} was only for the month of XX/XX/XXXX. On XX/XX/XXXX, my balance had reduced to XXXX. I paid off my account entirely by XX/XX/XXXX. As I stated previously, I always paid more than the minimum. Not only did Brandsource lie and state they closed my account at their own request but they have not reported my payment history for XXXX  and XXXX reports as required. I will be submitting copies of my current credit reports to support this new complaint along with supporting documentation.

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 2022-05-05
Company: General Motors Financial Company, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have new information to report NON-COMPLIANCE WITH THE TRUTH IN LENDING ACT ( TILA ) AND REGULATION Z NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( GM FINANCIAL ) may be in non-compliance with the Truth in Lending Act ( TILA ) and its implementing regulation ( Regulation Z ). 
On ( XX/XX/2020 ) consumer initiated a consumer credit transaction to obtain a ( vehicle ) for personal, family and household use. 
Upon recent review of the documents provided it has come to the consumers attention that ( GM FINANCIAL ) may be in violation of multiple provisions of TILA and Regulation Z. 
The total balance your company claims to be due is ( XXXX ) which varies from the amount of the finance charge. 
The finance charge in connection with any consumer credit transaction is the sum of all charges. It is also the cost of consumer credit in a dollar amount. 
Due to the inadvertent or accounting error consumer is requesting documentary evidence ( including but not limited to ) the following : Original consumer credit contract XXXX XXXX Assignments of all parties involved. 
Any XXXX filing and/or statements including any addendums. 
Books of account ( G.A.A.P ) related to consumer credit transaction and account ( XXXX ) Financial and corporate records Any other lawful or verifiable proof of claim money for loan originated from ( GM FINANCIAL ) business bank account or stock. 
( GM FINANCIAL ) upon receipt of this notice has 15 days to provide the requested documentary evidence and proof of claim. 
If ( GM FINANCIAL ) is unable to provide the requested documentary evidence and proof of claim I request ( GM FINANCIAL ) discharge account ( XXXX ), report account paid as agreed with no derogatory marks, remove any liens, send me my title and the XXXX. 
Furthermore, I was forced to make a cash payment ( down payment ) in a credit sale. There should be no cash in a credit sale. If ( GM FINANCIAL/XXXX XXXX XXXX ) wanted a down payment as a condition to the extension of credit it should have been included in the finance charge. 
I respectfully request a refund of my cash payment in the amount of ( {$3000.00} ) via money order or cashiers check sent to the location on file within 7 days upon receipt of this notice. 
By sending you this notice I do not waive any rights to take legal action or to demand arbitration for ( GM FINANCIALXXXX XXXX XXXX  ) past or future violations of the law. 
I pray in good faith we can resolve this matter with honesty and integrity. 
Thanks for your cooperation and compliance in advance. 
Sincerely, ( SURNAME : GIVEN NAME- ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) All NATURAL AND CONSUMER RIGHTS RESERVED. WITHOUT RECOURSE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion is continuing to report XXXX accounts have been recently deleted due to no/cancelled contract. Disputed via phone as well as fax and online. 

1. XXXX # XXXX 2. 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 explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make nor did I authorize any of these charges. I demand that the items be deleted to correct my credit report as soon as possible. I reported the theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please apply these laws to my accounts : The Fair Debt Collections Practices Act Law 111-203, title X,124 stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: ALLY FINANCIAL INC.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
The vehicle loan was paid off XX/XX/2016. They reporting on all XXXX credit bureaus as derogatory. Which causing my credit score to go down.

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 2017-01-23
Company: General Motors Financial Company, Inc.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
As power of attorney for XXXX XXXX XXXX I made car payments from his bank page think it was going to XXXX XXXX. I did n't realize that it was in fact still linked to GM Financial. He had a loan with then XX/XX/XXXX and the car was paid for. I sent XXXX They returned XXXX payment for XXXX. However following payments in the amount XXXX and XXXX were made upon receiving letter from wells that said he was behind XXXX so I paid what I had on hand knowing that I had just sent XXXX. It was never received and I have been trying since XX/XX/XXXX to get the money back from GM. Apparently they had and old address on file. I call in XX/XX/XXXX to find out what was going on after his bank said they could n't retrieve them money I would have to call GM. I was told they would update the account and issue the check. On XX/XX/XXXX I called again as I had not received checks as per first call it would be XXXX. I was told then they would put in request again and someone would call the following Mon. XX/XX/XXXX. I called again today XX/XX/XXXX cause there were still no checks in the mail. I was told they were waiting on another department to return email and they could n't give me a time frame someone would get back to me. When I asked to speak to supervisor I was transferred to XXXX XXXX 's voice mail with no estimated time of call back. At this point they have till Wed end of business to give me time line or I 'm going to court and charging interest and penalties in accordance with Arizona law they can pay court fees and whatever else the court deems fit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: Kinum, Inc., Indianapolis, IN Branch
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Kinum collection agency ( specifically XXXX and XXXX ) somehow either bought or received illegally a list of debtors from our XXXX. They began an aggressive unauthorized collection campaign against the persons on the list, many of whom do not owe us any money. 
We called as soon as we realized what was happening and asked them to cease and desist all contact with all persons on their list. They continued to illegally contact, harass, and attempt to collect monies for over a week beyond our cease and desist. This included calling these people repeatedly through an autodialing network and through the U.S. mail. This company needs to be brought to task for severe violation of several laws of the fair debt collection 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 2020-04-06
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
i hate to use this to write you. its not really a complaint i cant get thru by phone or by letter no response. Also your phone system needs improvement i have lost much time. sometimes it recognizes my card last 4 digits sometimes no it takes a lot of my time. 
card eding XXXX i am out of work. please help me extend the 5 percent interest thru XXXX.also as a courtesy for my 30 year relationship if there is interest which i know is valid please credit it please dont throw it in my face i am a good customer vs those who dont pay at all who get all their fees waived. please credit it for my loyalty, longevity and all the time i lose when i call with that phone system this is for my At and T univ card. pelase dont put notes on my account either. 
i am out of work. also system says they mailed me a card i have no new card.please help with these 3 items without making me feel bad about asking. 
please XXXX XXXX a card not mail. no fees please.

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 2017-05-23
Company: World Acceptance Corporation
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I got a loan with World Finance Corporation,  XXXX   XXXX ,  XXXX , KY  XXXX ,  XXXX  last Fall (   XXXX    ). I  am recently divorced, had loss of income, single mom, etc. I took out loan to help with moving costs. Because of all the debt I had, I talked with and retained an attorney, discussing the possibility of bankruptcy. I decided against that ... felt like I owed the creditors and want to pay what I can instead of walking away. I am a client of   XXXX   XXXX   ( debt relief ). I have already settled  XXXX  accounts and having no problem with creditors other than World Finance Corporation. They have been contacting my family, friends and acquaintances leaving messages looking for me. I have NO OTHER person on my account with them, no co-signer, but yet they continue calling. I have blocked their number, but my family and friends are getting upset with the voicemails. I called the  XXXX  office this morning at  XXXX   XXXX . & told them that  XXXX  is in negotiations with their company and to please quit contacting everyone I know. It is making it harder to get this settled and borderline harassment. The lady I spoke with there said if I do n't take care of this within the next month, they will garnish my wages, i.e. This is the ONLY creditor that is calling me. Once I obtained the services of  XXXX , phone calls stopped by other creditors. As I stated previously, I have already settled  XXXX  accounts. I just wa nt World Finance Corp.,   XXXX  to STOP calling everyone I know.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: Paypal Holdings, Inc
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
there is an unauthorized transaction in my Paypal Credit XXXX x repeat transaction I disputed this to Paypal they investigate it was made through Paypal account through eBay. I called eBay too to report the person who said I sent money to him for XXXX in one day that is fraud I NEVER NEVER purchase nor pay a person with out an item in return. eBay must also check the credibility of their members hope they will make action to this wrong doing. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
I have submitted my disputes to you, and I didn't get a response within 30 days, and you are required by law to do so. Please investigate my disputes. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is a follow-up to a complaint filed in XXXXXXXX XXXX Case Number : XXXX ) for Loan No. : XXXX. Although XXXXXXXX XXXX did respond by recapturing the steps in this case from XXXX through XX/XX/2022, when the loan modification was finally approved, the letter did not discuss what steps, if any, would be taken to remove the delinquent information from my credit report. The attached documentation discusses the reasons why I believe the negative reporting was totally unjustified, as I was told that customers would not be penalized pending a loan modification, and to continue making the monthly payments. I also received letters stating only the balloon payment will be accepted. 
Not one delinquency letter stated I had to make the balloon payment in the amount of {$85000.00} or this loan would be considered delinquent. It was stated in the XX/XX/XXXX letter that the total amount would be due on XX/XX/XXXX unless alternative arrangements had been made -- which I did by applying for a loan modification. The foreclosure letter dated XX/XX/XXXX, stated I needed to send {$1500.00} to cover XXXX and XXXX 's payment by XX/XX/2022, to prevent foreclosure. Yet, my credit reports show I'm 120 days late paying this account for a total amount of {$3100.00} which represents {$770.00} for XXXX, XXXX, XXXX and XXXX -- -- -payments they did not accept. Why I should I be penalized for monthly payments I consistently tried to pay, but they could not accept? I was probably one of their best customers -- -never over 30 days late in 15 years. Why should they be allowed to ruin my credit when I complied with every request in a timely fashion. Unfortunately, it took almost 6 months for XXXX to receive a 3rd party valuation, that I even offered to get and pay for, but of course that was not allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have reached out to chase on XX/XX/XXXX, XXXX have told me that i do not have any late payments in their system but for some reason on all three consumer reporting agency it show a late payment on XX/XX/XXXX. Under FDCPA 15 U.S. Code? 1692e.False or misleading representations, you allowed the consumer reporting agency to violate my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
Union Bank issued new credit cards to its customers after changing the company that handles the credit cards to Union Bank. I have been unable to register the card autopayment, an error continues to occur showing the autopay feature has been turned off, though I continue to enter the info over and over again for autopay. It also does not allow for anything other than the minimum payment due, or the full balance, to be allowed to be paid, XXXX as a specific amount. I have been on hold for over XXXX hours with Union Bank, both customer service and technical support.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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/XXXX Bank of America allowed a collection agency to debt my bank account for XXXX plus XXXX for a unknown transaction Bank levy that I have no knowledge of and debited government funds out the account and claim they have no way of reversing the transaction. My account also the same month was hacked for XXXX they are intentionally letting this happen.

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 monetary relief
Consumer complaint received 2022-09-13
Company: Prosper Marketplace, Inc.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Payments not applied correctly

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 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have disputed inquiries on TransUnion and XXXX and they refuse to remove them. I have not authorized companies to run duplicate checks on my credit and have several from companies I do not know.

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