BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I HAVE NEVER SIGNED A DOCUMENT TO RUN MY CREDIT FOR A HOME MORTGAGE LOAN, THERES A INQUIRY FOR XXXX XXXX CA XXXX ON MY CREDIT REPORT WHICH I DID NOT APPROVE OF, I CALLED THEM THEY SAID THEY WERE GOING TO FIND OUT WHO RAN MY SCORE, I HAVE NOT GOT A CALL BACK ITS BEEN OVER 10 DAYS AND WHEN I CALL NOBODY KNOWS WHAT IM TALKING ABOUT. I NEED THIS INQUIRY DELETED FROM MY REPORT

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 2016-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I contacted Transunion and provided them with a police report that I am a victim of identity theft. They refuse to remove the inaccurate inquiries, as well as the inaccurate accounts. Additionally, they continue to let people do hard pulls on my credit without my authorization. The following credit inquiries are continued unauthorized inquires related to my identity theft case. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : 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 2022-10-10
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm looking for itemized breakdown of bills. Due to the fact, it looks like they are double billing me for procedures. 
Also, now getting bills going back to @ 1 and 1/2 to 2 years old. 
Also, before procedure in XX/XX/2021, they told me if I paid in full of what I owe they would give me a {$100000.00} discount, then get a bill months later for {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: U.S. BANCORP
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I Had a credit card Flexperks US bank card XXXX had been up to date with all payments .Suddenly for no obvious reason the US bank canceled my credit card as far as I am aware I had paid all arrears till then, After a few months they reported there was a XXXX dollar balance on the card and started charging interest which accumulated to XXXX dollars ( including capital ) .They also appear to have reported me to credit agencies tarnishing my hitherto clean record.Though I disputed this unilateral and arrogant actions of this bank they claim they are allowed to take such actions without any reason.More than the money it is the smearing of my name and credit history which is surprising considering I was an excellent customer

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 2022-03-18
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: Account status incorrect

Complaint:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Our home ( primary residence ), as a result of 2008 crisis, was sold at a Short Sale. The home is located in Arizona, an anti-deficiency state. More than 2 years has elapsed and our credit is now reasonable ( XXXX ) per credit karma but each of the XXXX reporting agencies show the mortgage debt which was with XXXX XXXX Bank as " Settled for less than full balance ''. My understanding is that applicable law in anti-deficiency jurisdictions is that the language under these circumstances should be ( Paid as agreed } and while I have exhausted every complaint and supervisory board request involved with XXXX XXXX, XXXX, TransUnion and XXXX, none has agreed to alter the statement concerning my short sale to Paid as Agreed. it is my understanding that since a borrower is not personally liable for a loan such as this, it is inaccurate for the lender or the credit reporting agencies to report the short sale as anything other than " paid as agreed ''. The XXXX XXXX loan was # XXXX with a physical address of XXXX, Arizona XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: MONEY SOURCE, INC., THE
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am deeply concerned about the internal accounting, controls and customer service provided by these two companies. I would advise anyone who will listen to stay away from these companies. 
XXXX - https XX/XX/XXXX The Money Source ( TMS ) - https : //themoneysource.com/ I refinanced my mortgage of roughly {$280000.00} with XX/XX/XXXX on XX/XX/XXXX. Servicing of the loan was transferred to The Money Source ( TMS ) which is XXXX 's internal loan servicer. 

I made two monthly payments ( with extra principal ) in addition to a few thousand dollars extra in principal payments to TMS. The loan was then transferred to XXXXXX/XX/XXXXloan servicing in XXXX. 

Due to what appears to be failed internal controls and accounting, TMS never transferred all of my loan payments to the new loan servicer. They failed to send over roughly {$8000.00} in payments. 

I have called them 5 times regularly since this time ( XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX to correct the issue and each time they have told me that either the issue will correct itself eventually or that an open task is pending with an internal department to address the issue. 

Once they recognized that the issue would not " correct itself '' they finally opened an internal task which was due to complete by XX/XX/XXXX ( roughly a month out from when I called. ) This date has come and gone without resolution or even a call back. I have been told on 4 of these calls that someone would call me back within 24-48 hours to provide an update. I have never received a call back. 

1. If I had not tracked in detail the loan balance and payments made, it seems that TMS would have never discovered this issue, these funds would still be lost, and I would not have been aware of {$8000.00} simply vanishing. 

2. I seem to not have any recourse to address this issue with TMS. I have given the company ample time to address the issue and nothing has been done. They continue to kick the can down the road. 

3. I have no control over the loan servicer chosen for my mortgage. I am deeply concerned about the internal accounting and controls in-place at XXXX and The Money Source ( TMS ). How many other individuals have lost thousands of dollars in payments without even knowing it?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Selene Holdings LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint is a follow up to complain XXXX originally filed on XX/XX/2020. We feel that Selene Finance did not respond to the original nature of the complaint. On the letter dated XX/XX/2020, Selene Finance requested one additional payment to finalize the trial modification. On XX/XX/2020, we submitted this payment. In Selenes response of the XX/XX/2020, they do not address the issue of the letter dated XX/XX/2020, which requests one payment to finalize the loan modification. In addition, the phone number provided to respond is not the Executive Response Office. It is their main customer service number, which can not provide resolution to this issue. We are requesting a direct number to the Executive Response Office. This is an FHA loan. We have never been offered any of the retention options, such as forbearance, which have been offered to mortgage holders during the current COVID crisis, regardless of their delinquency status As resolution, we request that Selene Finance honor their letter of XX/XX/20 and accept our payment of XX/XX/20 as successful completion of the Trial Modification period.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In 2009 we completed a chapter XXXX bankruptcy for credit card debt, we kept both our home and vehicles. We are still living in our home and are still paying for it, we also have since paid off the vehicle and still own that and hold the title for it. However on our credit report it is showing that we lost these things in bankruptcy. We are applying for a loan modification due to the fact that my wife recently lost her job and are unable to move ahead because of this.In XXXX we completed a chapter XXXX bankruptcy for credit card debt, we kept both our home and vehicles. We are still living in our home and are still paying for it, we also have since paid off the vehicle and still own that and hold the title for it. However on our credit report it is showing that we lost these things in bankruptcy. We are applying for a loan modification due to the fact that my wife recently lost her job and are unable to move ahead because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Continental Finance Company, LLC
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I MADE A PAYMENT ON THE XXXX FOR {$300.00} AND CANCELLED IT AND PROCEEDED TO MAKE ANOTHER PAYMENT FOR {$200.00}. THE PAYMENT {$300.00} WAS DEDUCTED FROM MY CHECKING ACCOUNT WHEN THE PAYMENT WAS CANCELLED. I CALLED XXXX XXXX/CONTINENTAL FINANCE ON XX/XX/XXXX TO ENSURE THAT THE PENDING AMOUNT WOULDN'T POST AND THEY ADVISED THAT IT WILL FALL OFF MY ACCOUNT. HOWEVER, IT POSTED LATE THAT EVENING. ON XX/XX/XXXX REACHED OUT TO XXXX  AND THEY ADVISED THAT THEY WILL MAIL A CHECK AND THAT IT WOULD TAKE 5-7 BUSINESS DAYS. XXXX THAT I NEED THE FUNDS DEPOSITED BACK TO MY CHECKING ACCOUNT. I WAS TRANSFERRED OVER A MANAGER WHO COMPLETED A THREE WAY CALL WITH XXXX XXXX TO CONFIRM THE {$300.00} WAS POSTED. AGENT FROM XXXX XXXX CONFIRMED THAT THE PAYMENT POSTED ON THE XXXX FOR {$300.00}. HOWEVER THEY ARE STILL ASKING FOR DOCUMENTATION. SENT OVER PAYMENT INFO ON XX/XX/XXXX VIA FAX TO XXXX AND RECEIVED CONFIRMATION THAT THE FAX WENT THRU

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 2022-10-10
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Hi, On XX/XX/2022 I was charged {$19.00} by Equifax. I tried ending the trial online but I guess it did not actually go through the day before. When I called on XX/XX/XXXX around XXXX I was on the line for about 25 minutes with a very rude agent named XXXX who said I could not terminate my account subscription and that I would have to wait until XX/XX/2022 for the subscription to end. Due to personal reasons I needed that money and could not continue with XXXX subscription, it's too expensive, plus my XXXX XXXX credit card already has a monitoring service for free. I asked to speak with a supervisor and was hung up on. I called back and spoke with another agent around XXXX and she asked her supervisor who declined to refund me and terminate my subscription on the same day I was charged. I made it very clear I would not be using this service at all for the next 30 days and that I should not be billed for it if I do not want it. It got charged the same day and I did not want to continue with this. I did not want the service. I told them this. I will be disputing with my bank. They said its fine and did not care, I've never experienced something like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: ALLY FINANCIAL INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Ally Bank defrauded and short changed me by sending a refund for less than what it should have been for a vehicle extended warranty contract. Ally bank not only deducted money for the warranty contract that was never used but instead of charging me {$25.00} cancellation fees, it charged {$50.00} instead. This is fraud and I am sure that there are other unsuspecting consumers that are being defrauded by Ally Bank.

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 2015-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I mailed Transunion a certified letter asking them to provide me with details of several negative trade lines that were listed on my credit report. They responded after XXXX days informing me that they verified details of the negative account I listed. I believe Transunion did not do a sufficient investigation. XXXX of the account XXXX XXXX XXXX is a payday lender. If Transunion had done a proper investigation they would have discovered that this was a payday lender, and that payday loans are illegal in New York. I would like Transunion remove the accounts I requested information on. Following my initial dispute I sent XXXX additional letters to Transunion asking them provide me with the method of verification. I also spoke with a customer service representative in regards to the XXXX XXXX XXXX account. I spoke with a supervisor and asked them to provide me with details of who they spoke with to verify the details of the account. I asked them what documents did they review. The outcome of that call was the supervisor offered to add an additional dispute in regards to the wrong type of account being listed. XXXX XXXX XXXX listed it as an installment loan. The supervisor mention this additional dispute would take another XXXX days. I can provide additional documentation in regards to this if necessary.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
ATTN : XXXX XX/XX/2022 NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my Experian, and XXXX consumer report, and I noticed some late payments posted on my consumer report : Dept of Ed/XXXX  Acct # XXXX ( XXXX ) XXXX ( Experian ) Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Aidvamtage ) Making the report is not INCLUDED on my Consumer report!

A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

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 2015-08-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My account has been hit with a negative balance fee on top of overdraft fees. None of my personal banking reps could explain to me or understand what this fee is. Once I called the phone reps explained it as a fee given when deposited funds are not available and are able to be used. This is not my case however. My account has been charged with a negative balance service charge which then puts my account in the negative .I am charged an overdraft fee and then I am charged again for a negative balance fee for the same occurrence. I have been double charged for the same overrdraft caused by this " negative balance fee " and then the cycle happens the very next month for having a negative balance. Ive been charged nearly XXXX $ in the last two months alone. This seems very unfair and I feel taken advantage of especially since my personal banking reps had no clue what a negative balance fee was there for how could I as a customer. I am a seasonal small business this is my XXXX year going into business and I feel Fifth Third Bank is taking advantage of me. If this is not resolved I am shutting down my account immediately and taking my complaint to the highest level possible. I will spread the word that Fifth Third is not a bank for small businesses that often struggle with making ends meet only to be gouged with high fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX should not be reporting to Equifax ; XXXX  and XXXX  a balance due in the amount to of {$4300.00} on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have a daughter with special needs and I was forced to move to another home so I could provide her with her own bedroom. The complex I was staying at did not have any 2 bedroom apartments available. I provided adequate notice to the apartment complex that I was needing to vacate along with a letter from my daughters physician stating she needed her own separate space. ( I have attached a copy of the physicians letter dated XXXX for reference. ) The apartment complex manager assured me that I would be released from my lease and that no outstanding balance was due. I was also assured that they would not report this account to collections. They did not honor their word. I did not know there was an outstanding balance reporting until I obtained a recent copy of my credit report. This false reporting of an account with a balance is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I settled XXXX outsanding credit accounts that went into collection when I lost my job XX/XX/XXXX. I finally returned to work XX/XX/XXXX and began fixing. I settled with XXXX XXXX and XXXX XXXX Bank, both of which sent me settlement letters BEFORE I made the payments to verify the settlement reporting terms to the XXXX credit bureausI have attached for your review. 

For XXXX months now, I continue to dispute the status of these accounts as currently stated as " Charge Off '', which is not what I agreed to in their settlement letter. 
Correct Status for these accounts is " Paid - Settled, {$0.00} Balance " Nothing more, nothing lessEquaifax continues to show Charge Off, late payment, paid after charge charge, all comments that are not a part of the agreed settlement letter each stated they would report to the bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Opened a business checking account on XXXX XXXX with Citizen 's bank were told the funds would become available in 5 days. called on XX/XX/XXXX to find out if the Funds are Available was told XX/XX/XXXX, I wrote out check on the XXXX for it to come back and bounce on personal account. Tried many times to find out what was going on Called the bank were the check was drawn from they informed me the funds were paid to Citizen 's Bank on the XXXX. As of today XX/XX/2020 Funds still not released and now I am negative on my personal account.

Company response to consumer: Closed with explanation