BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
TRANSUNION SAVE YOURSELF SOMETIME IF YOUR COMPANY WOULD FOLLOW THE FCRA SECTION 609 FEDERAL LAW YOU SHOULD N'T HAVE TO SEND MY DOCUMENTS TO THE CREDITORS PER THE LAW YOU ( TRANSUNION ) SHOULD ALWAYS HAVE THE CONSUMER ORGINAL CONTRACT ON FILE AT ALL TIMES

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 2016-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have sent documentation from the judge multiple times to all agencies regarding bankruptcy. 
All were vacated. Transunion has removed XXXX but continue to post XXXX that had the same outcome VACATED. id # XXXX was removed from my credit report however they left the following on my credit report. All were VACATED ... Here are the other XXXX ID numbers associated with the multiple documents sent to Transunion. 
ID XXXX and ID XXXX STILL ON MY CREDIT REPORT AND AGAIN ID XXXX WAS DELETED FROM THE REPORT. MAKES NO SENSE WHATSOEVER.

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 2015-04-16
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
They are reporting an account they do n't own and it was paid to original creditor ( XXXX ) and they are violating FCRA!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Greetings, Paypal has been holding my money for months for no valid reason. I've contacted them atleast 30 times and they refuse to help, or get it resolved. I have told them that we are in the middle of the pandemic and one of my family member is now in the hospital as we speak and I want to help him get the treatment he needs but paypal just told me I can't get my money anymore and I need to wait for 180 days. I have followed all the rules and documents needed but my account is still frozen and I cant get my funds released even in terms of emergency. It is very frustrating to know that I can't do anything about it, it's my money and as a consumer, I want to file a complaint and please help me make an action regarding this and please help me resolve it. 

The email that has been linked to my Paypal account is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Inquires were removed off of my Credit report and then reinserted without notice or reasoning which is against FRCA 611 Listing all inquiry name and dates 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 2016-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have written 4 times along with police report and proof of ID Drivers License and State ID and My passport proving I was out of the country for 3 yrs. I have a few Incorrect address on my reports. and all was due to Fraud. also they credit reporting agency has refused to remove. they also has refused to remove over XXXX inquires in one year! in the same month. It 's fraud. I also wrote the companies who made the inquire and they have refused to respond. even with the police report. 

The addresses is XXXX Il XXXX And XXXX Il XXXX Its even more on my other Reports. 
And the inquires as follow 1. XXXX 2.XXXX 3.XXXX 4.XXXX 5.XXXX 6.XXXX 7.XXXX 8.XXXX 9.XXXX 10.XXXX 11.XXXX 12.XXXX 13. XXXX 14.XXXX 15. XXXX 16.XXXX 17.XXXX These Inquires was made all in one month, I contacted each company and credit burials also gave them copies of all my ID 's and they still refused to help Transunion, XXXX and XXXX. all let me down.

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 2023-04-11
Company: The Bureaus, Inc.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
There wasn't a great options for this situation. The Bureaus had used XXXX XXXX XXXX to attempt to collect this debt. It shows the account date was XX/XX/XXXX however the last payment was XX/XX/XXXX. 
My attorney XXXX XXXX XXXX responded to the initial letter from XXXX XXXX XXXX  and the debt was not able to be verified. It is still currently on my credit report and being reported every month as an open account that is owed by the Bureaus. 
The letter was dated XX/XX/XXXX. The attorney responded XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: GA
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:
Recently, I filed for an Auto Loan and I came across discrepancies on my credit report and my credit score. According to the report, I have a total of 8 accounts on my credit file when I have a total of 6. Secondly, I have XXXX XXXX as a satisfied account for my credit and my balance is in good standings. Thirdly, XXXX XXXX should not have screened my credit multiple times when they initially had ran my information on file to share with there sister branches through XXXX. Furthermore, I contacted Credit Bureau Systems about my ambulance bill from XX/XX/2018. They have submitted a payment request last month on the XXXX of XXXX to my insurance and told me they will remove this off my credit once satisfied from pending claim. Lastly, my credit score shouldn't be so drastically different from all bureaus.

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 2022-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have applied with Bank of America, I am XXXX point away from a XXXX credit score due to an error from a collection agency. I explained this to the mortgage officer, he laughed at me. I told him I am a single mother and this is an error that I am correcting. They refused to even listen to me. Bank of America has a long history of discriminating against underprivileged communities and this is another example of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Capio Partners, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-07
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Payoff process

Complaint:
Card issuer does not offer an option to enroll in automatic payments. I 'm not sure they even notify me about account balances. My credit has suffered as a result, because a few payments have been delayed. This is the PayPal Extra XXXX Mastercard associated with XXXX. I believe it 's through Synchrony Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: ALLY FINANCIAL INC.
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, 2015, I informed Ally Bank of XXXX transactions that I did not authorize nor did I engage in. The bank sent me a letter dated, XXXX XXXX, 2015 acknowledging the disputed transactions totaling {$2800.00}. As of XXXX XXXX, 2015, provisional credit for the XXXX transactions ( totaling {$2800.00} ) have not been posted to my account. ( Documentation is attached )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I filed a complaint with Trans Union XXXXIt is for XXXX Account # XXXX. I received a letter stating if payed by a certain date XXXX/XXXX/15 the settlement amount it would be cleared. The amount to settle account was {$120.00}. It was payed directly to them by phone and taken from our account XXXX/XXXX/15. It was then put on to my Credit account with Trans Union then after being payed, that saying I owed {$420.00}. This severely lowered my credit score. It was n't even on there before. I have a copy of letter sent by company to me and proof it was payed. I have never heard back from Trans Union.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Broward Adjustment Services
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I mailed a certified letter to BAS management stating for proof of the so call hospital or doctor 's office that provided service for a XXXX XXXX. This company email me a bill which is not proof of the hospital/doctor that claimed I had this service done. I do not know of such a service that was conducted in XXXX ( per billing statement ). Also, whomever is claiming this payment never mail me any bill except the bill that BAS management mailed me on XX/XX/XXXX, which is the so call proof. Also, I live in XXXX, XXXX reader is in XXXX. I never reside or visited XXXX for any medical service. Never ... .please assist with resolving this issue. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I went for a mortgage, and found out that every time one of you does a " hard inquiry '' it affects my credit! That 's absurd! I 'm not putting anything into motion except... Can I get a home! This is so very wrong. No one 's credi should take a hit of any kind when you are trying to buy a home, auto, etc. I ask that all inquiries be taken off my credit report, and a new copy be sent to me via email : XXXXXXXXXXXX. 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 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have tried contacting each credit bureau to dispute these inquiries that are identity thief. 

XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX ( Bank XXXX XXXX XXXX XXXX Finance ) XXXX XXXX ( Finance ) XXXX XXXXXXXX ( Bank ) XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/20XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 I have attached my identity 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 2022-10-26
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I accidentally sent a payment in the amount of XXXX to my closed account at American Express. I meant to pay my open account but accidentally sent it via my XXXX Bank bill pay to my closed account number. After realizing my mistake, I called America Express and was asked to submit bank statements to prove that American Express had received this payment. I did this immediately. I have followed up with American Express on several occasions and it is still not resolved. ( 2 weeks ago, American Express told me it was resolved and that I would receive an email the next day, yet nothing was sent. ) I am not sure what to do at this point and need some help resolving this. 

Please note that the account number on page 4 of this complaint is for my active card. My inactive card ends with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Due to the options that Transunion allows on their website there is no method to dispute that information is XXXX incorrect. I am not going to spend my hard earned money to mail a registered letter to Transunion that will take 6 months at the least to even get them to put anything into motion. The Federal Government gave the credit report agencies undue power. Therefore, the Federal Government needs to take responsibility in assisting me with my issue. There are address on the report that are not mine and are totally incorrect. There is no way to fix the problem except to move them around on the report-but no manner for requesting them to be deleted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a brand new car and went with Fifth Third Bank for my auto loan ( this is my third time using them ). Upon recovering my payment information ( LATE ) I asked to change my
due date to the XXXX  or XXXX  of the month. I am already a month ahead on

my payment so this was in no way an attempt to pay late. I was told I can not change my due date without a {$20.00} fee added to my loan. {$20.00} for a small change in a computer is absolutely unreasonable and unethical. Consumer beware! This company likes to nickel and dime over any minor change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was approved for a Modification of my mortgage ( quite some time ago... roughly XXXX ), with the understanding that I would successfully make THREE Demonstration Payments. At the same time the the Modification was approved the mortgage was sold, so I made the three demonstration payments to another mortgage processor. The mortgage was then again sold, and the 3rd mortgage processor ( in a 4 month span ), which was Rushmore Loan Management, refused to honor my Modification, because they said they didn't have evidence of my XXXX demonstration payments ... when they finally found the evidence of the 3 payments ( about 2 months after becoming the processor ), they still refused to honor the legal approval I had obtained from the first mortgage processor. 

This case has since gone to the courts, and, as it turns out, my " attorney '' had no understanding of the law in this area, and essentially did nothing to convey the circumstances of my case to the court. The property was apparently foreclosed on in XXXX of XXXX ( without my " attorney '' even making me aware ), and sold at auction on XXXX XXXX, XXXX. However I am still residing in my home of 30 years, and wish to continue to fight for my rights ... specifically, that I had legally modified my mortgage, made the 3 required demonstration payments, and that Rushmore Loan Management Did Not Honor my modification, as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: AmeriHome Mortgage Company, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchase a home I only been here for 5 months and my mortgage company Amerihome keeps increasing my mortgage Im struggling to pay I dont understand my taxes nor have my insurance increased why is my mortgage steadily increasing? They have enough to pay principal and interest and my taxes what is happening This will cost me to lose my home Please help me my name is my mortgage company is Amerihome my loan rate is locked not adjustable!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was going through my One Main Financial account on my credit report and noticed that more of my {$460.00} payment is going to the interest, not the loan amount. I reached out to my XXXX XXXX, CA branch Representative XXXX and asked her what my interest rate for this account is. She then told me 35 %, when I told her the max interest rate for a personal loan in California that a company can collect is 10 % she was unaware and transferred me to another department which transferred me to another department after I told them the same story. I finally was transferred to the Customer Care Department and spoke to XXXX XXXX if he even gave me his correct name @ XXXXXXXX XXXX on XX/XX/2022, for approximately XXXX XXXX sec XXXX I told him what I told the previous representative, he said let me look at your contract, I told him California Law out ways a OneMain Financial contract. He said let me get a manager to put a complaint in. After having me on hold for so long, he came back and said his system is down and I need to call back to the Customer Care Dept. to put a complaint in. My overall complaint is if you doing business in a State and your Main branch is from another state, follow the state you doing business in rules and regulations. I am a XXXX Veteran so integrity is very big. I do not have a problem paying interest on my loan, but 35 % is too high an my State of California under article XV Section 1 states for any loan of money which is to be used primarily for personal, family, or household purposes, the maximum interest rate permitted by law is 10 % annually. I want to keep this loan as I barely make all my payments on time, but the interest rate should be modified per California Law. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Experian Information Solutions 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:
The companies are reporting inaccurate information on my credit 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 2022-03-29
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This account status is being reported incorrectly, it is drastically affecting my credit score, and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
1. I am making payments on my mortgage every 2 weeks before the payment is due and the bank is not reducing the principal until the second payment is reached. 
2. I contacted the bank and they say they do not apply partial payments, however the payment is being paid before the due date 3. I spoke with XXXX XXXX says I do n't have to pay that way if I do n't like it

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 2022-10-26
Company: Stellantis Financial Services US Corp.
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: Credit inquiries on your report that you don't recognize

Complaint:
The company and lender inquired into my credit without my authorization. XXXX XXXX XXXX told me that he would not inquire into my credit and it turned out that he did.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief