BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-28
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I overdrawn my account with a transaction and it posted and was charged the {$35.00} overdraft fee. The next day the bank reversed the transaction and charged me another {$35.00} overdraft fee. If I am being charged for an overdraft fee once for the transaction I should not be charged it again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-24
Company: Centralized Business Solutions Company
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I'm being charged $ {$23000.00} in finance charges and my bank couldn't even Refinance the loan because of the year of the vehicle and the mileage on a 2014 XXXX XXXX my bank even said that is way to high on a used vehicle I have told the company that I want all my money back and they can have the car cause that's just out Rages there scaming people I did report them to the better Bureau and they are refusing to work with me Credit Acceptance I told them I will refuse to pay on this car

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 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The accounts are still inaccurate on my report which needs immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 2016-07-12
Company: ALLY FINANCIAL INC.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
A few years ago I purchased a 2008 XXXX XXXX from XXXX XXXX in XXXX, Illinois. The finance department obtained a loan from Ally Financial for the amount of XXXX after tax title and license. When I attempted to trade the vehicle into a different dealer I was told that because of the title issue prior to my purchase the vehicle was worth XXXX. When I complained to Ally Financial asking how could the insufficient vehicle as collateral for the loan. They stated that LTV was negative yet they authorized the purchase price therefore I would have to pay the debt over a 6 year period which would cost me {$44000.00}. I requested a refinance and they stated that I would have to pay the inflated amount for 3 years before a discussion could be pursued. XXXX XXXX misrepresented the LTV and Ally Financial paid them versus doing sue diligence and me as the consumer is left holding the responsibility,

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 2022-02-24
Company: Bread Financial Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I keep receiving threatening phone calls from this number XXXX ( XXXX ) XXXX. I paid the XXXX XXXX ( Comenity Bank ) before I purchased my house over 3 years ago. The person keeps calling from the phone number XXXX ( XXXX ) XXXX threatening me with law suits and going to my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I attempted to dispute this with transunion, but their online system keeps giving me an error message. 

There is a XXXX account reporting on my transunion report. I have never opened a kohls account. The account number is showing XXXX and I have no idea what this account is. I have never paid on this account because i had no idea it was even opened.

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 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a bankruptcy showing on my credit report. This information is incorrect/false and i asked LCI for verification. 

XX/XX/XXXX - LCI did not give proper verification of this information from my first letter of dispute XX/XX/XXXX - Another certified letter was sent ( and received ) demanding to know how they conducted their investigation along my statement acknowledging that I never gave this company consent to furnish a report on my behalf OR report my personal information to anyone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My name and address is incorrect on my Trans Union credit report. My legal name is now XXXX XXXX my address XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: Experian Information Solutions 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 information incorrect

Complaint:
Credit Report is showing inaccurate information. I have reached out the the reporting agencies ( XXXX, XXXX & Experian ) Several times to have this issues resolved. The only response I receive is the dispute has been completed and the account has been verified.

All 3 reporting agencies are showing different : 1. Account Opened Dates 2. Account Activity Dates 3. Payment Status Dates This account has been re-aged by the credit bureaus and this is a major violation.

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 2016-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I filed an online dispute with TransUnion on XXXX XXXX to have the XXXX account balance verified and validated. I also attached a copy of my mortgage statement to serve a proof of the balance. I received a letter in the mail XXXX XXXX, 2016 file number XXXX that the XXXX account was deleted. I contacted TransUnion at XXXX at XXXX and spoke with XXXX. She denoted the account was suppressed and was unable to add the account back to my credit report although it was their error it was deleted.I proceeded to ask how did they verify the information and if it was verified it would not have been deleted given I still have a balance with my mortgage company. Furthermore, what parameters do TransUnion have in place when they delete something by mistake so they can add it back? Also, what recourse is provided to the consumer when TransUnion has caused a drop in their credit? Why did n't an updated credit report accompany the investigation results? None of my questions were answered to my satisfaction so, I requested a supervisor and was transferred to XXXX who had a very nasty disposition. I asked the supervisor if they could put the deleted information back on my report. In addition, what recourse do they have when they make an error and make a consumer credit score go down? How do they remedy their wrong? I was informed it was nothing they can do because they do n't contact the lender it is my responsibility. Why, am I having to correct the error TransUnion made? 
I called XXXX and spoke with XXXX at XXXX in which she transferred me to XXXX in the Credit Bureau Specialist Unit. She verified XXXX received the electronic notification on XXXX XXXX, 2016 and sent a notification to respond to the correction on XXXX XXXX, 2016 but did not request a deletion. XXXX denoted she would attempt a reinstatement which takes 3-5 days but it is no guarantee it will be added to my account given it was deleted and provided me with a case # XXXX for the XXXX account.

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 2015-07-16
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
There is a old credit card debt that is unverifiable and past the statute. I have disputed and nothing has been resolved. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hi Im XXXX XXXX my Last 4 SSN # is XXXX. I am just trying to make a follow up on the letter that I sent to you on XX/XX/2022, I was expecting to get a response but I havent. I am attaching a copy of the letter that I sent to you last time hoping you would take action and investigate this issues on 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 2021-08-06
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a call from Radius Global Solutions and made them aware that I do not owe the alleged debt they were calling about. I then received a demand in the mail stating that they are attempting to collect a debt violating my consumer rights pursuant to federal law 15 usc 1692b ( 2 ) and 15 usc 1692b ( 5 ).

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 2019-08-21
Company: General Motors Financial Company, 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 have reached out several times to GM financial and they said that they would correct any error on my report caused bl there company. Till this day they have not corrected any information on my credit report. I will be filing a lawsuit in my county for them reporting false information on my report. This has caused me financial difficulty and has cost me time and money to dispute this error. Please remove this inquiry within 10 days of this notice. i also have enclosed one of the three letters i received saying that they would remove this inquiry. GM financial should contact XXXX and XXXX to remove inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12
Company: Charlottesville Bureau of Credits, Inc
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A credit collection company claims I have a debt with them from XXXX when I was in college under the financial support and insurance of my parents. I called the original creditor to understand where this XXXX debt is coming from or why I never received any form of them attempting to collect the debts 1,2,3 or 4 years later ( it is now XXXX ). They claim to have contacted me in XX/XX/XXXX when it was turned over to them but haven't followed up since. Now that the collector has it they have been reporting it to the credit reporting agencies, but not attempting to collect it. 

Many complaints on this site, consumerfinance.gov, state that consumers are constantly contacted about a debt that they owe by collectors. One can assume that this is to reinforce that the consumer owes this collector a payment for a valid debt and that the collector still needs this payment. Until served a cease and deist letter or request, the collector can continue to contact the consumer. I never served this collector with a cease and desist letter, so I am unaware why they would stop contacting me for this debt that they still needed payment for. They stopped contacting me, but yet still reported to credit reporting agencies as needing to being paid. I only know they were reporting all these years after being provided a credit report which I received after being turned down for a loan due to the credit score this company has ruined.

I firmly believe they are preying on the mistakes of financial uneducated and un-experienced XXXX year old faced with medical bills they needed help paying and are now just out to destroy my credit. They show little worry about collecting the actual debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: Collection Bureau of the Hudson Valley, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Received a voicemail from the collection bureau of hudson valley attempting to connect on a debt that is to old to collect on. .i sent then a letter in writing upon receiving collection attempts XXXX then via mail that this debt is from 7 years ago. Please cease and desist from contacting me. .apparently they digs not follow this request..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-31
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX    XXXX   XXXX   XXXX   housing settlement. The attorneys embezzled it and put my children up for  XXXX . They used my credit by filing a false me in in chikd support against me then had me   XXXX   and now a credit REPORT shows I am a   XXXX   and the order to be dismissed is not there. It keeps me from getting jobs or credit.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: SYNCHRONY FINANCIAL
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:
Hello I try 4 times to dispute same account and credit bureaus didn't show me any evidence the i get that account or that account is my. thank you

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 2021-10-07
Company: U.S. BANCORP
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:
After reviewing my credit report, I noticed Elan Financial Service company pulled my credit, and I have not given the company permission or reason to run my credit. I did not authorize that. I did not apply for credit with the organization. I've contacted the credit bureaus had no success wasn't able to get the situation resolved.

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 2016-04-20
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For more than a month I have been receiving automated dunning calls from XXXX. The caller purports to be calling from Caine & Weiner, a California collection agency. The calls are directed to my cell phone. The call is directed to XXXX XXXX and asks for a call back to XXXX extn. XXXX. No caller name was provided. The latest of these calls occurred at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and today at XXXX XXXX XXXX, all XXXX. The debt is not mine. I do not know a XXXX XXXX. On XXXX XXXX I sent an email to XXXX, president and CEO of the firm, directing him to stop these harassing calls but they still persist. The email went unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: DISCOVER BANK
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2022, I sent a wire transfer of {$18000.00} to Discover Bank from XXXX XXXX XXXX Bank. The wire was denied due to my married name not being updated on my Discover account. Discover Bank then sent it back on XX/XX/2022. Unfortunately there is no accurate documentation to confirm that transaction was made. XXXX XXXX XXXX has attempted multiple times this week to get in touch with Discover Bank, but the wire department is not responding to XXXX XXXX. I was also told I would receive a generated form that provided information regarding confirmation and tracking information for the return, but have not received that information either. The Customer Service line has been wonderful in attempting to assist with me this issue, however, Discover Banks Executive Office has been refusing to respond to me personally to emails and return phone calls with voicemails left with them in order to get updates on this investigation. It has been 9 days since I have heard from Discovers investigation team. Communication from Discover Banks Executive team and wiring department have been making this situation seem there is fraudulent activity going on and they are withholding my funds. This issue has been escalated so far, I have had to pursue legal action against Discover Bank. I am frustrated and emotionally distraught because of this situation.It has been a MONTH since Discover supposedly sent the funds back, but can not provide accurate information regarding this.

Company response to consumer: Closed with explanation