BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
T his reporting agency is reporting inaccuracies on my credit report. They are reporting a bankruptcy that IS NOT MINES! I have sent TransUnion SEVERAL dispute request as well as filed phone disputes. I have been lied to on several occasions stating that an investigation to VALIDATE the bankruptcy has been done, but NO documentation has been provided to me where TransUnion has received validation from the the courts. Ive provided documentation from the bankruptcy court as well as XXXX who they utilize as a data furnisher proving that it is not mine and they are refusing to remove it. I spoke with a supervisor today who informed me that they will not remove it even after providing the appropriate documentation from THEIR DATA FURNISHER investigation deleting the record ( not mines ) as well as documentation received from the courts. I was also informed on the same call that they dont Request get validation of debt documentation from the court which is an outrage. So I was basically told that the debt can not be validated but they will still report it! Ive scheduled several callbacks for a supervisor, but that has not worked out asthey were supposed to call me months ago and I have yet to receive a callback! They are just doing what they want to do and this is an outrage! All supporting documentation has been sent and they are still refusing to remove the inaccurate information

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 2020-06-16
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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. Inquiries : XXXX/XXXX, XXXX, XXXX XXXX, XXXX XXXX  , XXXX XXXX, XXXX XXXX , XXXX, XXXX/XXXX, XXXX   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 2018-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Regarding XXXX about TRANSUNION.- Company did not research my complaint. I am claiming that the company " XXXX XXXX XXXX '' by their own admission is attempting to collect a {$710.00} Debt off of {$300.00} credit limit. By their own admission a XXXX XXXX interest rate was charged. This is illegal in NYS and is should not be on my credit report. You'll notice that it states that " this debt is past the statute of Limitations '' on the " forms '' XXXX XXXX XXXX has provided. Transunion is engaging in willful blindness and I would like them referred to the enforcement division of the CFPB. 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 2020-06-16
Company: TD BANK US HOLDING COMPANY
State: CO
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:
As of XX/XX/2020 I placed a dispute through XXXX  that my credit card balance with Target Redcard ( TD BANK ) is still reflecting an inaccurate balance of {$250.00} when this was paid in full as of XX/XX/2020. Today is XX/XX/XXXX, and my dispute was completed with the same balance that Target REDCard reported with the same inaccurate balance. 

I tried calling Target REDCard customer service to speak to a supervisor to have the balance information updated but was spoken to rudely and refused on several fronts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: David Deep Law Offices
State: KY
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XX/XX/XXXX, My ex wife applied for a title loan through XXXX XXXX XXXX on her car and in doing so the company wanted me to cosign the loan for her. The original amount of the loan was for {$1000.00} she then got into a car accident and stopped making payments. In XX/XX/XXXX I received a wage garnishment order for {$20000.00} from this company and received no prior communications about the debt because I was not living with the original account holder since XX/XX/XXXX, on the garnishment order that I received from my employer shows a mailing address of a PO BOX that I never used. Being a cosigner I know I am also responsible for the note but do not agree with paying accumulated interest of the loan, I have been in contact with the finance company and also with the collection company handling the account trying to come to a resolution. I have paid {$4000.00} so far on this account, however they are not attempting collections on the original account holder and trying to collect back interest of 29.22 %. I believe that this is a very unfair practice from this company I believe that I have fulfilled my obligation as the cosigner on the note paying the original loan amount plus other costs for the loan going into default. All the payments that have been made, came from me and not the original account holder. I believe that forcing me as a cosigner to pay accumulated interest since the loan has been in default is just wrong. I was informed by the collection agent handling the account that I have paid more then the original submission of the account. How is it legal for a company to keep accruing interest on {$1000.00} loan for many years that the account has been in default?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 ( Acct # XXXX ), XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX ( Acct # XXXX, XXXX ( Acct # XXXX ), XXXX XXXX XXXXXXXX ( No acct # 's provided- amounts are {$100.00}, {$110.00}, {$220.00} ) has violated my rights.

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

15 U.S.C. 1681 Section 602A 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 2015-10-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX 2015 I went to Chase bank at XXXX XXXX XXXX XXXX, mi. I used the Chase ATM XXXX XXXX ). I deposited {$2400.00} into the ATM and an error appeared on the screen. A receipt was printed out stating " The ATM has experienced a problem. To confirm that your deposit was completed properly contact a Chase Representative or call us at XXXX. I called and gave them the information on the receipt and was told I 'd be credited the amount in 12 hours. I called the next day and I was told it should be credited by XXXX. No credit so I called the next morning and was told to wait 24 to 48 hours for the credit. Than Monday XXXX XXXX I called again and was told due to my account not being open that long it required further investigation to credit my account. I was told I should know something by Wednesday. By this time I had already returned to the bank only to see that the machine had been fixed and people were using it despite my problem still not being solved. I called Wednesday XXXX XXXX and was told the investigation found that there was no overage in the atm and that my claim was denied. I then told the rep that I have a receipt stating clearly that I made a deposit and that surveillance will show that I put cash into the ATM and that none of this makes any logical sense. I asked to speak to a manager or supervisor and he replied none are available but he can transfer me to a specialist. After speaking with the specialist who was very rude and carried a condescending tone. He told me I was not protected under the Regulation E act. I requested a manager and he then placed me on hold and said none are available and repeated there 's nothing they can do and do I have any more questions for him. I am very upset and feel unprotected as a consumer. I am a single mother I ca n't afford for my money just to be taking away from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: ERC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX 2015 I received a notification on my credit report that I had a XXXX collections for {$300.00} reported. I disputed the charge with all XXXX credit bureaus and it was removed because I was able to prove it was not mine. Present day, the same amount was transferred to another collection agency and once again is being reported on my credit. I have contacted XXXX XXXX and still have not received a response. I am also disputing with the current collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-19
Company: PNC Bank N.A.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was taken over by PNC Bank in XXXX, Ohio. Apparently my taxes went up a bit and the monthly amount was increased. Because they had an incomplete address ( I disputed that I could ever have let that happen as they only use XXXXhe street address of a condo complex, not my condo number ), I didn't get the notification until a bunch of mail from the bank was bundled together. In that bundle it stated I had not made the XXXX payment, and I owed that plus XXXX at the increased rate, plus a late fee. I had paid XXXX, but the amount was {$68.00} short of the total because I had not gotten the notification of the increase. 

I called customer service and was told that if I paid the difference and the full amount for XXXX before XX/XX/XXXX, they would take off the late charge. I paid the 2 amounts through my bank online while still on the phone with customer service. It was received XX/XX/XXXX. PNC Bank corrected the mailing address and I was told they could not correct the note without a letter from the post office. ( The postmaster at my post office said there is no such thing. ) I paid the XX/XX/XXXX bill with the corrected amount and it was received on XX/XX/XXXX ; I always have the mortgage paid before it is due, but they keep passing along the late fee. 

I do not know why the late fee keeps getting passed along to me when I was told it was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
I just recently open up an account with CHASE Bank, direct deposit from Social Secuirty, I '' m XXXX years old, widow & XXXX. On XX/XX/2016, after receiving my benefits from my late husband job, paid bills online. Then on XXXX, @ XXXX on XXXX in XXXX, TX trying to pay for a purchase, card declined. Thank God there was a CHASE bank nearby, left there with my daughter & granddaughter went into the bank to check balance, printed copy of transaction. I Immediately spotted an unauthorized charge for {$100.00} by AMAZON. The teller referred me to a Banking officer, who in called the Customer Service Claim Dept regarding the charge. The CSR ( XXXX ) time XXXX -XXXX, informed me I had to call Amazon to cancel the charge for a membership. I went home and called Amazon @ XXXX CSR ( XXXX ) informed her about the unauthorized charge to my account for {$100.00}, she then transferred me to CSR ( XXXX ), who informed me it would take 3 to 5 business days to cancel charge and credit. I asked for a confirmation number regarding the transaction, she stated I would receive 2 emails. I did receive the 2 emails, in return called CHASE Customer Service Claims back spoke with CSR ( XXXX ) that I spoke with Amazon regardingt charge, sending emails confirmation. I asked the CSR if I would fax the information to them, no problem I would go ahead and reverse the charge. CHASE refusal to accept the emails, ended up credit the account twice, after AMAZON had already credit the account.Then this week deducted their mistake from my account, causing me problems regarding paying my bills, where I can to make payment arrangement and do a bill in a cash payment instead of BILL PAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: CURO Intermediate Holdings
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. 
The Following Account has violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX - XXXX I have also issued a Validation of a Debt Request Pursuant to 15 USC 1692g They have refused and not complied accorfing to the declaration within the Debt Validation Request.

15 USC 1681 Section 602A. States I have the right to privacy.

15 USC 1681 Section 604A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.

I DID NOT GIVE CONSENT. THIS ACCOUNT IS UNAUTHORIZED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I noticed an issue with my billing with I logged onto my mortgage account online. I tried calling the customer service number I usually contact but when I tried to get a representative I was transfered to person 's voicemail. I thought there was a problem with a the system and tried calling back later and had the same issue. I left a voicemail just in case and continued to call for a few days. I then contacted the new mortgages department and asked for some assistance. They encountered the same thing and the person said they would send an email to customer service and see what he could do and get back with me. I got a call back later and was instructed of a way to get through by hitting zero and pound several times. I was able to get through and was told it was because of my account that this occured. I tried explaining that did not make sense and was then disconnected.I send an email through their online system and it instructed me to call my account advisor. She never calls back no matter how many messages you leave. I sent another email and did not receive a respond yet. I ca n't make a payment online, on the phone and ca n't get a call back. It is very scamy and they keep charging me late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXX  Address : XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX, GA XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Address : XXXX XXXX XXXX XXXX, GA XXXX Inquiries : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX  XXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-24
Company: Law Offices of Robert A. Schuerger Co., LPA
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a letter from XXXX XXXX XXXX  on around XX/XX/XXXX stating they were collecting a debt. I have no idea about this debt or what it was for. I replied via certified asking them to validate this debt and I also asked that they cease and desist all electronic communication with me and my family as they were calling me and members of my family non-stop. I sent this letter certified and it was received in their office by XXXX  XXXX, or something similar, as per the USPS return receipt. As of today, XX/XX/XXXX, no information concerning this debt has been forwarded to be and the calls continue to harrass me and my family. I called the office this morning and spoke with XXXX XXXX who refused assist in the matter and informed me to " report the infraction to whoever I wanted, that he didn't care ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I got approved for XXXXXXXX XXXX  credit installment payment plans ordered some shoes got those but they then denied me service because of my credit report after they approved me for credit installment plans I've been making my payments on my shoes on time I feel like this is discrimination because I have a fraud alert and my credit locked on my credit report because I keep getting inquiries on my credit report that are not any of my knowledge I feel like I'm being judged because someone has stoley information and identity that I can't get any credit cards loans or anything because of that I feel like I'm being punished for something that was not in my control

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 2022-04-17
Company: Experian Information Solutions Inc.
State: OH
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:
In accordance with Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. These accounts are reporting inaccurate! 

XXXX XXXX XXXX -- -- {$480.00} XXXXXXXX XXXX -- -- {$85.00} XXXX XXXX XXXX -- -- {$58.00} XXXX XXXX XXXX -- -- {$59.00} XXXX XXXX XXXX -- -- {$140.00} The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, date last activate is inaccurate, and date last reported in not accurate. 

This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

U.S.C 1681 Section 604 A Section 2. It also states that a consumer reporting agency CAN NOT furnish an 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 2021-04-21
Company: Advantage Credit, Inc.
State: NY
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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

ADVANTAGE CREDIT, INC Inquiry : XXXX. XXXX, 2021 XXXX XXXX XXXX : XXXX XXXX, 2021

Company response to consumer: Closed with explanation