BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 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 purpose.

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 2020-06-09
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. the number of items that were opened on my name. These suspicious items are not mine. 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, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX 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 2018-01-24
Company: Risecredit, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I do n't believe my " customery fee '' was fairly explained ( legal? ) in the documents I e-signed. My principle was supposed to be reduced but of a XXXX payment, only XXXX was applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: CBC Companies, Inc.
State: FL
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:
XXXX Still has my information, I called and asked to opt out, AND DELETE all information in my name. They said they would mail out a report of all items on my report, on XX/XX/XXXX they mailed me a letter saying " unable to process request ''. im under no opbilation to send them any of my personal documanets. I HAVE NO CONTRACT WITH XXXX. I want ALL my information removed forever, this is a private company with my personal information REMOVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My name is XXXX XXXX, please find proof of identification attached below. This is not a third party company. I am doing this complaint by my self. I am writing this complaint from my understanding of the Federal Law. First and foremost, I am revoking the power of attorney given to Auto Now financial Services. There has been several ongoing issues relevant to my consumer credit contract I hold with Auto Now Financial Services. Upon reviewing my receipts and contracts I have noticed : 1. According to federal laws the finance charge is the sum of all charges. So why was I charged a down payment plus other fees, title, registration processing, and insurance? THIS VIOLATES FEDERAL LAWS! There are also several errors relevant to the amount financed and what's owed. 

2. I noted contract paid off in XX/XX/2019, closed then reopened. Then I took notice to my contract number which I have paper work for, until I tried signing up online and had to call for contract information to access portal because there was a change. I did not receive any written notice and this was without my knowledge. Nothing in the mail to my XXXX, Az Address. This is FRAUD! 

3. I make payments biweekly, per month to Auto Now Financial Services. Yet when payments are made on time, they are being furnished to consumer reporting agencies as late. This is also fraud and violate the federal laws. Auto Now financial has several times violated federal laws, they have threatened me with repossession over the phone, they have caused me emotional distress by intentionally getting into arguments when I call to enquire about payments and due dates prior to having assess to online portal. I have reached to Auto Now Financial Services on multiple occasions just wanting to discuss my accounts but it always turns out into an argument and threats. This is also a violation of federal laws. 

As the consumer I will seek litigation against Auto Now Financial Services and the consumer reporting agencies in the event that these issues are not fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: Credit Karma, LLC
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My mother is somehow added to my Credit Account. Shes lowering my credit score.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello, ive recently disputed multiple inaccurate items by mail around XX/XX/2021 it has been well over 30 days and has yet to receive any type of notifications .You have fail to comment and failed to reply back with investigation results.Both being under violation which means you must delete all accounts from my report. 

XXXX XXXX XXXX XXXX late payment Please remove from my report XXXX XXXXXXXX XX/XX/XXXX late payment Please remove from report XXXX Please remove from my report XXXX XXXX XXXX please remove from my report XXXX XXXX Please remove from my report XXXX XXXX XXXXXXXX Please remove 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 non-monetary relief
Consumer complaint received 2020-04-18
Company: First Credit Services Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I cancel my gym member ship, and I was still being charge for something I wasnt using. I called explain that I could no longer afford the membership, and XXXX XXXX was still charging me

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient is handling my student loans that I obtained while attending the XXXX XXXX XXXX. The school is no longer in business and I am still repaying the loans. Years later, I transferred my credits and attended the XXXX XXXX XXXX. XXXX is handling those loans, but they are currently on hold due to Biden 's direction. My issue is Navient is showing my loans are being repaid to XXXX XXXX XXXX and not to the XXXX XXXX XXXX. I have requested clarification but get no response. I fear that my payments are not being directed properly. I owe XXXX  $ XXXX and I only owe XXXX {$1500.00}. So there is a big issue if this is not being handled properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-18
Company: Continental Services Group, Inc. d/b/a ConServe
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: Was not notified of investigation status or results

Complaint:
on XXXX i had my credit card theft due to a credit card skimmer. i was in possession of the bank card. I was placed a call to customer services for the detail. while on the phone with the customer rep i was advised of the person with credit card skimmer attempting to use the card in real time ( while on phone with Regions rep ) - I came into the XXXX XXXX Florida Branch to put in a formal complaint and was told the bank manager would open an investigation and follow up with a report pertaining the findings Police Report XXXX case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I made a purchase at XXXX XXXX in late XXXX ( {$61.00} ) ; just received my statement with a XXXX XXXX due date and XXXX XXXX has submitted a negative report to the credit agency TransUnion for non-payment. Their site is down until XXXX/XXXX/15 ; no one answers the phone and I 'm cutting up the card and closing the account. I want the negative report off my credit summary. XXXX XXXX has a serious problem and they are hiding something from the consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
To whom it may concern : I am writing to dispute errors on my credit report that show some of my accounts as past due, in collections and charged off/missing payments. I have attached payment records of all debts referred to in the chart I have attached as a word document, which I provided for my background check. These errors are hurting me from attaining clearance for a government job, as it seems I am not paying my debts, especially my government student loans, which is not the case. If these errors could be corrected/updated it would be very helpful.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I submitted a request to review a Federal Tax Lien on my credit report. All other credit reporting agencies have removed this from my credit report except TransUnion. I called the XXXX and received a release document, and asked that TransUnion follow up and remove this information. They claimed to have done an investigation, and " VERIFIED '' the information as good, no change. This is wrong. I am attaching documents to show that this tax lien was released in XXXX of 2015. TransUnion REFUSES to remove this from my credit report, and I am filing a complaint against them for failing to do so. TransUnion should have been able to verify as easily as I did with the XXXX, and I do n't believe they verified anything at all, they took the entire 30 days to come back and tell me it was verified. They ought to be sanctioned ... ..

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 2021-12-29
Company: Experian Information Solutions Inc.
State: VA
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:
To whom it may concern, I recently asked you to verify information contained in my credit file in which I have provided proof that the method you used to allegedly verify this item was invalid. 

Item in question : Bankruptcy You stated that your process to verify this item was through XXXX. I sent you notice that your process was not valid due to me going directly to the company and them not being able to verify the item. You then replied and stated it was still verified without sending me any documentation or proof of an actual investigation. 

I know per the FCRA I have to give you 30 days to correct a known mistake within my credit file and at this point you have been granted that time, this is a formal notification that I plan on filing a complaint with the CFPB, and XXXX against your company is this bankruptcy is not deleted from my credit report IMMEDIATELY!

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 2015-09-22
Company: AES/PHEAA
State: WV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
ON case # XXXX AES said that my loan was extended due to deferment - I never requested deferment and they are still withdrawing payments from my account. I have not nor will I sign anything. I want to know why my loan is in deferment and how it got there. I also asked for the information pertaining to arbitration ( where I needed to file and who to contact ) I was not given this information. This request was submitted in writing per AES 's request. Please provide:1. why my loan is differed2. what documentation was provided that requested deferment ( attach if you have please ) 3. a copy of the contract I signed with XXXX for loan XXXX. the information needed to begin filing arbitration as the changing of loan terms is illegal and makes the contract null and void

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: AMERICAN HONDA FINANCE CORP
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Vehicle was repossessed in XXXX of 2016. I paid all fees and totaling over {$3000.00} and received vehicle back. In XXXX of 2016 arrangements were made with company to settle remaining loan terms. Company accepted payment and still reposses vehicle after arrangements were made. After repossession occurred company stated that vehicle could not be received back to due Georgia laws stating that a vehicle could not be repossessed and retrieved back twice in a twelve month period. The vehicles loan title and tags originated and were current in the state of Maryland. Company never sent information regarding date of sale, amount owed or the whereabouts of vehicle as promised. Company is now trying to collect on vehicle loan amount after auction. I was never given the opportunity to purchase vehicle back after paying on car on time for over three years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Experian Information Solutions Inc.
State: KS
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:
There is a XXXX XXXXXXXX account on all three of my credit report. On my Experian it says I have a late payment on XX/XX/2018. On my XXXX and XXXX credit report it says i have a late payment in XX/XX/2018. 
Each credit bureau is reporting different information that is not valid.

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 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
There is a XXXX XXXXXXXX account on all three of my credit report. On my XXXX it says I have a late payment on XX/XX/2018. On my transunion and XXXX credit report it says i have a late payment in XX/XX/2018. 
Each credit bureau is reporting different information that is not valid.

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 2017-08-16
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Had insurance protection on all my loans in case of list of job or XXXX, they never helped me. Would just stress me out. Was on XXXX for a year and no payments where made by bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted paramount recovery systems, a debt collection company on XX/XX/XXXX. I informed them that the information they were reporting on my credit report was incorrect and to place my account in dispute status immediately. I have since obtained a letter from the original creditor that reflect the account has a XXXX balance. My insurance company had paid on the accounts in XXXX. Therefore, the collection accounts have been placed on my credit report in error and should be removed immediately. It has caused me harm because I have tried to obtain credit and was denied due to these accounts showing on my credit report. It has been over 45 days since I initiated the dispute and the negative account is currently reflecting on my credit profile as an unpaid debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: EQUIFAX, INC.
State: IL
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:
Hello, ive recently disputed multiple inaccurate items by mail around XX/XX/2021 it has been well over 30 days and has yet to receive any type of notifications .You have fail to comment and failed to reply back with investigation results.Both being under violation which means you must delete all accounts from my report. 

XXXX XXXX XXXX  XXXX late payment Please remove from my report XXXX  XXXX XX/XX/XXXX late payment Please remove from report XXXX Please remove from my report XXXX XXXXXXXX XXXX please remove from my report XXXX XXXX  Please remove from my report XXXX of XXXX Please remove from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Southwest Credit Systems, L.P.
State: SC
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:
Southwest Credit Systems is trying to pin a fraudulent zombie debt on my credit file ( XXXX ) for the amount of {$160.00}. I called to verify and they told me it was for a person living in Virginia a place I have never lived for a debt from 2004. I also called XXXX and they could n't understand how they came to the conclusions of amounts, debtor and " Date Opened '' they have listed because the record they pulled does not show the same information. This is a scam of a company. Fraud! Cease and desist all communications. Remove this fraudulent debt from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Upon reviewing my Transunion credit on XXXX/XXXX/2015 I found there to be 6 Derogatory items ( XXXX, XXXX XXXX, XXXX, XXXX XXXX 2 XXXX ) AND 5 Inquiries ( XXXX ) that I know nothing of. I did not apply for credit with these companies and I did not receive credit from these collections. I disputed these items with Transunion, then proceeded to contact these companies to dispute these items as well as request information on these debt through certified mail. These companies did not respond at all. It has been more than 30 days so I sent Transunion a package with copies of all my letters of dispute to these companies as well as a request to remove these items from my file. Transunion has ignored my request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief