BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
All the major credit reporting agencies, Transunion, XXXX and XXXX XXXX, " rate shopping does n't always affect your credit score in the case of rate shopping for an auto loan, if shopping was done within a 14-45 day period of time ''. Then turn right around and use that rate shopping as a " credit factor '' on your report. Example : with Transunion they show my shopping with ( 3 ) different companies, all on the same date, as a " credit factor '' on my report, XXXX shows ( 2 ) of those same ( 3 ) as a " credit factor '' while XXXX shows again all ( 3 ). They then " lower '' your credit score and even show this as a factor calling ALL the above a " credit factor '' because they are " hard inquiries ''! I believe the reason for their having done this is because they ALL want you to apply with ONLY their preferred lending companies which they list within their sites. They even " direct '' your search to those companies as a " way '' for you lower the impact on your report by consolidation of debt with THEIR chosen companies. I would suggest that personally you try it yourself, using your own credit information by going to XXXX as an example, because they use reports from both XXXX and Transunion. I called, and complained to a Transunion representative who told me, " that 's just the way its done ''! The public who works hard, and relies on having fair credit reporting is being punished for having rate shopping, which should be the privilege of all of us!

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 2016-11-17
Company: UMPQUA HOLDINGS CORPORATION
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
We used Umqua bank bill pay and this caused us to have XXXX late payment or perhaps XXXX on a credit card from XXXX. We had this all settled and now there is a late payment on our credit reports that we are not responsible for. We put our faith in the bank ( Umqua ) to pay this bill in a timely manner and it was not done!

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 2021-05-18
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TRANSWORLD SYSTEM INC/ is claiming that I owe them {$2200.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX, 2016 To whom it may concern 1. I attest that I am the author of all verbiage within this complaint. On my XXXX and Equifax reports I have accounts in collection, XXXX on Equifax and XXXX on XXXX. 

2. This complaint is based on XXXX, XXXX, and Consumer Reporting Resource Guide reporting standards, and specifically how EQuifax and XXXX are reporting this data within my report. 

3. XXXX XXXX XXXX and XXXX XXXX XXXX are debt collectors, file standards, and laws, prohibit XXXX to report debt collection efforts as Credit Grantor Tradelines, as they can not extend credit to me, or any other individual. 

4. XXXX file Specifications, indicate that they can ONLY report a COLLECTION/RC/Factoring Account Type, that is either in a PAID or Unpaid Collection pay status. 
Account Type Codes XXXX -- Collection Agency/Attorney XXXX -- Returned Check XXXX -- Factoring Company Account ( includes Debt Purchasers ) 5. All other report attributes are intended to be used by Credit Grantors, who enter into a contract for payments and then to report such payment history. 

6. XXXX, is designated as a " Open/Installment/Revolving '' ACCOUNT TYPE and can not be as this data is not expected to be sent by a debt collector on this industry standard file, and is in fact reporting as a Factoring Account and is included in my XXXX. 

7. XXXX and XXXX accounts have a PAY Status of past due, and can not according to XXXX - as this data is not expected to be sent by a debt collector on this industry standard file. I have never been late with XXXX nor XXXX 8. XXXX account on EQ is reporting a creditor classification of " RETAIL '' and can not, as this data is not expected to be sent by a debt collector on this industry standard file 8. XXXX account on EQ has a pay history, and can not - as this data is not expected to be sent by a debt collector on this industry standard file. I have never paid them anything nor ever agreed to. 

9. XXXX account is Medical and should be labeled as such. 

I request that these erroneous accounts be deleted from my reports and not reinserted as they have been damaging to me in monetary ways. I have been denied acredit due to these accounts showing as open/late, when in fact if they were showing as collections on both EQ and XXXX as per their sample reports show I would not have such a low score. 

I will be forwarding this complaint to EQ, XXXX, XXXX CFPB and to the involved Collection agencies as these procedures are illegal under the FCPA and FDRA. 

THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 disputed XXXX XXXX XXXX XXXX in the amount of {$940.00}, this is not my account it is a fraudulent account I never authorized. Transunion never Provide wet signature that I requested to verify account, per FCRA section 609 if account can not be verified and provide wet signature contract account should be deleted

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 2017-01-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I 've been battling for about a year now to get some accounts that were taken out in my name resolved. I 've sent this company XXXX series of documents and what they 've required for my case. Still, am having issues with a creditor collection company on my report. XXXX. The other XXXX collections came off but this did n't. I 'm wondering if XXXX or XXXX pays this bureau under the table or just pays more than what is required but it makes me concerned. XXXX have received also XXXX documents and I 've gotten zero response from them either. This bureau did respond just with notices of an alert. 
I guess money makes the world go round but still I need help getting this resolved. Let me know if you need anything further but I 'll keep sending certified mail. 

thanks, 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 non-monetary relief
Consumer complaint received 2016-08-30
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
Half a year or so ago, my American Express XXXX XXXX account was hacked and used for fraudulent activities. 

{$500.00} was on my account at the beginning of the fraudulent activity. On the first day, the perpetrator used my credit card account which was linked to the OneVIP Serve account to transfer a daily maximum of {$200.00}. Afterwords, he/she withdrew the money as an " Unauthorized transaction '' ( the money went to an account to the name which I do not have any recollection of, seen when I logged-in at a later date ). The next day, {$200.00} was transferred to Serve using the credit card and then withdrawn into the the same unknown name as an unauthorized transaction. At this point, I logged in and found out my account was being targeted for fraud. I called XXXX to gain access to my account ( email, password, & personal information were changed ), remove my credit card from the account, then called XXXX again to submit a fraud claim. I did not receive any notification or alerts when the perpetrator changed nearly all of my account information. 

An American Express Serve account representative has told me that the transactions were valid and that they can not recoup my losses.They have closed my account as the representative told me it was standard procedure when a fraudulent activity report is denied. 

At this point, {$400.00} has been returned to me by the credit card company ( XXXX XXXX ) for the two unauthorized transactions of {$200.00} each. XXXX is unwilling to recoup the {$500.00} I lost from the unauthorized transactions. I have submitted a CFPB complaint a few months ago and no resolution has come.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was informed that I owe from a credit card taken out in my name that I did not authorize, and I am being sued for the amount of {$840.00}. 


Midland was asked to send verification of debt owed on XXXX days, and that was not abided by. Cease and desist of reporting to credit bureaus was demanded while debt was in dispute for fraud. This did not happen. I was summoned to appear in court even after I had disputed this claim. I lost out on a day 's wages to go to the court date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-28
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased  US Bank pr epaid Mastercards #  XXXX  and  XXXX  with initial value of {$200.00} in  XXXX   XXXX .   I opened packages with these cards in  XXXX   XXXX  and discovered that money has already been stolen from these cards in  XXXX  and  XXXX   XXXX ! I submitted a dispute form to the bank, however they responded that it has been more than 120 days since fraudulent transactions were charged to my cards therefore they cant help me and I need to contact the merchant. I contacted the merchant (  XXXX  ), they found these transactions and said that money have been transferred to a fraudulent  XXXX  account. They suspended that account, but according to  XXXX  they can refund money only when they receive appropriate paperwork from my bank. However, the bank is not willing to help me to return my money because it has been more than 120 days.

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 2017-03-18
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I just read an article in XXXX about Navient telling customers their only option is forbearance instead of an income based repayment plan. That is exactly what happened to me. For OVER three years, I was told there was only a forbearance option for my loans. That is over three years of interest that was needlessly incurred without any debt reduction. I am furious that I was not told about any other payment plans. I was told I could pay a high monthly amount or go into forbearance. I chose forbearance, because my XXXX XXXX husband and I could not afford the high monthly rate on his income. I was unable to work due to our continuous military moves, our baby, and his XXXX. I am now in XXXX school and when all is said and done, will owe over {$120000.00} in student loan debt. That means, I will have to use my ENTIRE salary to pay an astronomical payment just to pay off these loans that were supposed to help our family improve our quality of life. I will have to work for 5+ years just to pay back all of this debt, some of which was unnecessarily incurred due to Navient 's blatant lie about one high repayment option or forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I had a student loan from my school XXXX that at one point went into default I had stated to make payments to the first collection company that then took them out of default so I could attend school again. I then enrolled into school then about two months after the school was shut down. My loan was then turned over to Navient. They are the most unprofessional company I have ever had to deal with, the send emails daily just about with all my personal information to be displayed and they then call me every day 2-3 times a day from different numbers and leave messages constantly. I have 34 voice mails all from them in less or around 30days. I spoke with a lady that stated I can be on a XXXX a month payment plan and they will send a email that i have to respond to in 48 hours or I cant enroll in the program the email was send days later and then the letter she stated she would send was never sent. I feel so harassed and I also feel I should n't have to pay this not only because the barrage of calls but the fact the school was shut down due to there legal issues. I feel I want to place a lawsuit on this company for harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have not received any sort of response or correspondence form your company regarding making arrangements for a repayment plan on my student loan. Our last discussion stated you were going to work on getting the fraudulent and discriminatory default action taking by XXXX corrected so that your company and myself would be able to come up with a reasonable repayment plan. please advise on the progress you have made ; while I understand the illegal actions were not your choosing, having this Illegal and disgusting action that this loan company committed against me removed from my credit report is a MANDATORY step that needs to be taken before any payment is made.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I WAS ENROLLED TO XXXX XXXX IN XXXX IN XX/XX/XXXX - THROUGH XXXX - THEY GOT ME XXXX STUDENT PRIVATE LOANS THROUGH THEIR LENDERS AND FED STUDENT LOANS - I WAS BORN AND RAISED IN XXXX, XXXX AND EXCELLED IN HIGH SCHOOL AND XXXX -I TOOK THEIR ASSESSMENT EXAMS AND PASSED THEM AND WAS ADMITTED TO XXXX XXXX XXXX HOWEVER, I ALONG WITH SEVERAL STUDENTS STRUGGLED UNDERSTANDING XXXX INSTRUCTORS, WHO WERE TRYING TO TEACH US IN ENGLISH, AND THIS BECAME VERY XXXX AND I COULD NT UNDERSTAND THEM AND COULD NT FOCUS. SO AFTER 2 YEARS I DROPPED OUT AND STARTED FROM SCRATCH IN XXXX XXXX IN IT FIELD - I RESUMED MY STUDENT LOAN PAYMENTS WITH FED LOANS ETC ... BUT WAS UNABLE TO REACH MY LENDER DIRECTLY WHICH HAD SOLD MY LOAN TO XXXX PARTY - XXXX XXXX XXXX, WHICH ADDED HUGE COLLECTION PENALTIES TO MY LOAN - AND THEN KEPT CHANGING COLLECTION AGENCIES - I 'VE MADE ATTEMPTS TO REACH A REASONABLE PAYMENT PLAN WITH THEM, BUT NO SUCCESS - RECENTLY THIS LOAN WAS SOLD TO TRANSWORD SYSTEMS INC- ACT / # XXXX - I FOLLOWED UP WITH THEM TO SET UP SOME REPAYMENT PROGRAM, THEY SAID THEY CAN NOT DO IT, AND WILL FILE JUDGMENT AGAINST ME AND FORWARDED MY ACCOUNT TO XXXX X XXXX XXXX -- -- -XXXX ON XX/XX/2015 I FINALLY REACHED HER AND SHE SAID THAT SHE DOES NOT SEE THIS FILE WITH THEM, BUT WILL REPLY BACK, WHICH SHE NEVER DID, -FINALLY, I CALLED AND LEFT VOICE MAIL FOR THEM FOR FURTHER ASSISTANCE AND GUIDANCE. - BASED ON MY RESEARCH, XXXX XXXX XXXX HAS DESTROYED STUDENT 'S CREDITS AND FUTURE BY NOT WORKING WITH THEM. 
ALL I 'VE REQUESTED THEM IS TO WORK WITH ME, SET UP REASONABLE TERMS / CONDITIONS FOR REPAYMENT PLAN- I 'VE GOT A GOOD PAYING CONTRACT JOB AND AM WILLING TO MAKE PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I am showing inquiry from Springleaf financial my credit report I have never done business with them ever spoken with them do n't know anything about them XXXX XXXX 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Experian keeps retaining credit card information on consumers and tricking them into signing up for paid memberships every time a consumer logs in or checks their credit report. I've repeatedly asked Experian to remove my credit card information from their system and my profile, because I have a free account and am not interested in their paid memberships. They refuse to remove my credit card information and I keep inadvertently getting signed up for unwanted paid memberships. Experian refuses to acknowledge my concerns and request because this is a scam that they use to gain profits off consumers monitoring their credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: CITIBANK, N.A.
State: SC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I wanted to change my pay date because my pay date change, I was denied to change the pay date. I was also denied to do a deferment when I lost my Job. They would also threaten me with foreclosure when I was a week or 2 late, they would talk very nasty to me, as they wanted me to lose my house. They would send a letter to offer alternatives, but when you call in, there was not any alternatives. They denied help with South Carolina Help, a mortgage relief program that assisted in paying mortgage payments if you were behind, which was terrible as they wanted to foreclose.I mailed them a check at one time, they told me that they had not receive the check They took the check and paid someone else mortgage. I had to make another payment on the payment that I had already made. This financial institution is terrible, they would not offer any hardship alternatives and does not need to do mortgages. They way my mortgage was sit up, it would never go down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 contacted each bureau by certified mail and have unverified accounts on my report. Here are the accounts : 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 2023-02-02
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX put XXXX on hold and then XXXX and then another XXXX then XXXX and I called to find out why and they said I was sued by a debt collector and I called a debt collector and they told me that the debt was from XXXX and they also told me that that was from XXXX and I dont owe them anything I dont know what they are talking about the lawyer secretary said I have to prove to them that I dont owe the debt and I told her she has to prove to me that I owe them the debt they said they was going to send something but still have not and still holding my money they said the debt was XXXX and then one time they say XXXX. I dont know what they talking about. I have the time and date of the conversations we spoke. I need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went to the " ANNUAL CREDIT REPORT.COM '' site to receive all " XXXX OF MY BUREAU CREDIT REPORTS FROM XXXX, XXXX AND EXPERIAN '' ; filled out the form, and the first credit reporting agency showed on my screen, I went to click on print, however a window popped up stating technical difficulties and to try again later. I clicked out of that window, I than clicked on " save as PDF '' however, same thing happened, a window popped up stating technical difficulties and try again later. I waited for an hour to see if I could try again, however, this time a window popped up stating I had already received my free annual reports from the XXXX bureau credit reporting agency 's for the year. SO I NEVER EVEN RECEIVED ANYTHING, NOTHING AT ALL, MY EMAIL IS 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 non-monetary relief
Consumer complaint received 2015-10-19
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
After applying for a mortgage I found that there is a judgement on my credit report from XX/XX/XXXX. So I disputed it with Experian and investigated it on my own. I found that this judgement was obtained illegal and that the only information on this judgement that matched to me was my name. The address is incorrect and my social security number is not on the judgement. When I spoke to Experian they stated that the judgement has a address I used in XX/XX/XXXX. Only problem is I was residing in the state of XXXX in XX/XX/XXXX not XXXX. so they stated there not going to remove this invalid judgment.

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