BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
I have 3 collections accounts. All from XXXX XXXX XXXX XXXX. The account should have been billed to XXXX. I was on XXXX XXXX when they occurred and would have been paid. I have spoke with the collection companies and the XXXX XXXX and they both said it was to late for them to bill and it wasn't billed in the first place. I have tried to dispute on my Transunion Credit Report and they state that the information is correct even when it should have been paid by insurance. It know states that I owe XXXX in collections to XXXX XXXX. They have all three accounts. I just want this resolved I shouldn't be punished because the hospital didn't do their jobs in billing my insurance that they new I had because I filled out the 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 2016-02-29
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Perusing my ChexSystems report, I noticed an incorrect address. I wrote to ChexSystems and asked them to remove the incorrect address. ChexSystems responded stating that the address in question was submitted by a financial institution associated with my account. This is not true. Although, " XXXX XXXX Bank '' is listed on my report, I have never had XXXX XXXX bank account, nor have I ever wanted one. The address " XXXX XXXX ... '' should be removed, along with " XXXX XXXX '' from my ChexSystems bank 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 2021-05-16
Company: Winklevoss Exchange LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I signed up for the Gemini Trust Company LLC platform on XX/XX/21. I transferred {$500.00} USD from my bank account to the platform the same day that I signed up. I was able to transfer my money onto the platform, but I haven't been able to withdraw it because I can't verify my identity. I have been attempting to verify my identity on the platform since the day I signed up with no luck. I've contacted their customer support numerous times and have gotten no response. I can't deposit my money back into my bank account until my identity is verified, so my money is now stuck on Gemini 's platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a reported XXXX account listed on my consumer credit file with Chexsystems. I have previously disputed this account but was told by Chexsystem that the police report that I had submitted was out of date did not cover this account. This account was closed in XX/XX/2016 and my police report is dated for XX/XX/2016. I 've had to go through the State of Illinois to finally get the XXXX disclose this information to me so that I can get this off of my report. This account was also listed on my credit reports with XXXX, XXXX and XXXX and they have deleted the account with the FTC Affidavit and the Police report as well as the letter from the XXXX. Chexsystems needs to delete this as the account is fraudulent and I have attached my supporting documents to prove as such

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 2021-05-16
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Multiple calls everyday. Company received cease and desist letter XX/XX/2021. Im still getting unwanted calls XXXX XX/XX/2021, XX/XX/2021 ) and email as well. Not to mention, the violations : 15 USC 1692b ( 5 ) 15 USC 1692c ( a ) 15 USC 1692c ( c ) 15 USC 1692d ( 5 ) 15 USC 1692e ( 2 ) ( a ) 15 USC 1692e ( 3 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-16
Company: Experian Information Solutions Inc.
State: NY
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:
In XXXX of 2021, XXXX XXXXemoved the 2 bankruptcies that were reporting on my credit file due to not being to able to verify it. A letter was sent to the court asking to please provide the procedure they use to verify records with the credit bureaus, the clerk of the court replied that they do not report or verify any information to any thirds party or credit bureaus. This letter was sent to all 3 credit bureaus, XXXX  removed the 2 public records but XXXX and experian did not, it is very clear the court does not report to them or any credit bureaus, so their original response stating that the item was verified was either an error or a lie. Either way their reporting requirements do not comply with the FCRa law. If XXXX  removed it because they could not verify the information, how did XXXX  and experian do it? Please provide the documents or information with the person you spoke to or used to verify

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 2021-05-16
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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:
Account was not remove

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 2016-09-06
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Sams Credit Card : I have been a customer for Sams for more than 10 years as sams member and credit card holder- I have recently opened a consumer credit account Sams Mastercard XXXX for the last 3 1/2 years I have been paying my bills on time - However during the last three months I noticed an unusual active - During the previous years the credit card payment were managed by GE Financial and now is managed by Synchrony Bank - Once Synchrony bank took over I started to have problems with my credits and also the posting date of my payments. 

The problems started during the XX/XX/XXXX-XX/XX/XXXX statements - I always had a minimum payment automatic withdraw from our account - However, XX/XX/XXXX I realized I was going to have to make a payment under another because of lack of funds - So I switched the payment to my wife 's bank - I called the Synchrony Bank to make the and switch the account for this one-time payment over the phone - representative took my payment, However, they never process the payment causing my account to go as past due - Not only they did not process the payment but also did n't cancel the electronic payment causing my bank account to go into overdraft status. 

I realized that I could not make the payment for the following month - However, I quickly called Synchrony Bank I paid the past due amount and the following month only to find out the Synchrony Bank had " Lower my credit limit and raised my payment over the next month. Now even though I made my payments and kept with the account current they have close my account and immediately reported this to the credit agencies. I do n't believe this is fair not the issue to immediately reporting this to the credit agencies -

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 2016-12-22
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Advertising and marketing

Complaint:
I made a purchase in the old navy store in XXXX. Prior to my purchase I was told that I would receive a certain percentage off. I believe 40 % or 50 % for signing up with their credit card. I made that purchase and saw that I got the percentage off. After I checked my credit report it showed that I had balance on an old navy card of {$80.00}. The remainder of my purchases that I was told I had saved.the representatives did n't tell me that the remainding balanced would be placed on the card. And now I 'm being charged for money that I should 've saved. I 'm a victim of false advertising and misleading a 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 monetary relief
Consumer complaint received 2016-05-07
Company: SYNCHRONY FINANCIAL
State: OH
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:
I keep getting calls that start at XXXX n do n't stop till XXXX for someone else 's debt for QVC. I 've told them countless times they have the wrong number but they Still call me 10 to 15 times a day 7 days a week even on Sundays!! I 've put their numbers on a block list in my phone but they STILL call with a different number. I have XXXX different numbers for them on my blocked list already. They fill my voicemail box up everyday n I miss Extremely Important voicemails because of them. I 'm sick of it! Please please help me thank u My name is XXXX XXXX my email is XXXXXXXXXXXX

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 2021-05-16
Company: CarMax, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX XXXX XXXX has took out a loan in my name without my permission. I request an audit trail in accordance with XXXX. I am the consumer in fact, I am the original creditor, everything I do is for family, household and personal purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: World Acceptance Corporation
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I suffer with XXXX I had some hard times XX/XX/XXXX my husband walked out and left me with all the bills with XXXX children I had a loan with people 's finance in XXXX south Carolina I owe {$550.00} charge off XX/XX/XXXX as of this month XX/XX/XXXX they still charging interest now I owe {$880.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Transunion, XXXX and XXXX continue to report fraudulent info on my credit report. According to the FCRA i have the right to dispute incomplete and inaccurate information. i never gave consent to any consumer reporting agency to furnish my information. No consent by law is identity theft. According to usc 1681 ( b ) a consumer can only furnish something in accordance with the written instruction of the consumer to whom it relates. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX  XX/XX/XXXX XXXX. XXXX XX/XX/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 2016-11-04
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
An apartment complex has submitted communication to a collection agency that i vacated the rental property without notice and they also are looking to collect damages. I vacated the property in XX/XX/XXXX with an inspection report and a " ok '' from management. XX/XX/XXXX it hits my inspection report and I realize the debt as I was trying to finance a car. Does 5 years break the statue of limitations even if the charges were legitimate?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Somebody took out {$9500.00} from my business account thru online XXXX/XXXX/2016 without my permission.

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 2021-05-16
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX ) and the Creditors ( XXXX XXXX XXXX, ( 2 ) XXXX XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: Experian Information Solutions Inc.
State: CA
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:
I am holding a letter from bancruptcy court that they never reported to any of credit biro agency. i am willing to sue credit agency 's for reporting from a third party not the court it self.

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 2015-10-08
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took out a loan from a XXXX XXXX Speedy Cash store XX/XX/XXXX. I had been taking out payday loans at a different store and could not afford the payments. I figured that taking out the loan at Speedy Cash would help me pay off the other loan, but that was not the case. I borrowed {$250.00} and paid {$45.00} in fees. When I had to pay 2 weeks later, I was still in a hole and could not pay off the whole loan, so I renewed. 

I fell behind on my electric bill and had to continue taking out the loan. Eventually I was behind on my rent and event my gas bill because I continued to pay the fees to renew the loan. I felt trapped because I felt like I kept falling behind and could not stop renewing the loan. At one point Speedy Cash offered me a car title loan and it was tempting, but I was already being hurt by the loans I had and could n't take a loan that would hurt me even more. 

XX/XX/XXXX I XXXX and had to go on XXXX after not working for 3 months. I was more behind than ever and I had to stop paying the loans. I did n't know how to stop because Speedy Cash had access to my bank account. In a desperate attempt to stop with these loans, I visited my bank and took out all my money before closing down my bank account. I knew it was going to affect my credit, but I had no other way out. 

A bit after that I began receiving calls and letters asking me to pay back what I owed. At XXXX point I even received a letter telling my I qualified for another loan, which made no sense since they were actively trying to get me to pay my previous loan. XX/XX/XXXX I owed Speedy Cash {$310.00}. Now, almost 2 years later, I continue to receive calls and letters asking for their money. The last I heard from Speedy Cash was last month, and I need help to get them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Tranunion has " XXXX XXXX '' listed as an employer on my report wich is incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-16
Company: CL Holdings LLC
State: NV
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:
AAIn 2018 I contacted all of the major credit reporting agencies about a collection account that was added to my credit report that violates the FCRA. Jefferson Capitol Syst did not contact me regarding this collection account prior to submitting to the credit report agencies and that is a violation of my consumer rights. I submitted documentation to have this account verified and removed and it was removed from credit report in 2018. This same account has reappeared and again, this account was not verified and this collection agency did not contact me prior to submitting it to the collection agencies. Also, this collection agency is not licensed to collect in the state of Nevada according the Secretary of State for Nevada.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from RESIDENTCOLLECT INC I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against RESIDENTCOLLECT INC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: Caliber Home Loans, Inc.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am very fustrating with Caliber home loans they are not given me the most important imformations about my property i am living in i have a child my wife we are going true a lot please help me i do n't have place to go i need time i meed they dend me the papers for modification they say they sent to me but i have n't resive nothing please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
transunion has a debt buyer account that is loaded with incorrect amounts and dates and I have disputed 3 times and they lie and tell me its verified. This account shows last payment made being XX/XX/2017 then you look in the payment history ( which is correct ) shows last payment being OK was XX/XX/2017 but the payment that was made shows {$0.00} for the amount. It was paid in full and closed. It was never a charge off. 

It shows purchased by another lender. But on the report the lender does not show who owns it. So the transunion employee give me a name and I call that debt buyer and they tell me they do not own that account and i cant get any one to tell me who owns it,. 

So my main question is this ... if the company that transunion gave me as being the new owner does not own the account anymore, who is verifying the account as accurate? This is where the lies are told. no one is verifying this because as of this day the last owner known to Transunion no longer owns it so i caught transunion in a lie. It shows I paid it off in full as a charge off paid in full. NOT SO. it was paid in XX/XX/2017 and it shows in the pmt history. Up at the top in the summery it says XX/XX/2017 last payment made {$0.00} This needs to be removed.

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 2016-04-05
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Back in 2012 I live in XXXX XXXX XXXX and I was evicted and they tried to sue me for XXXX and we went to court and the judge awarded them XXXX and told them that are all I owe them. I have tried to pay them this amount and they refuse the payment numerous occasions. They went as far as to tell me that they do n't care what the judge said they want the higher amount. The funny the company Resident Collect says they represent XXXX XXXX and I talked to XXXX and they told me they sold the debt to them and told them about the court case. In the process of dealing with them the woman has been rude yelling and went as to tell me to shut up and hang up in my face at one point. I eventually had to hire a company to stop the harassment and to deal with them and the company said that were met with the same rude behavior.

Company response to consumer: Closed with explanation