BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I 've been a XXXX Customer since XXXX XXXX, XXXX and have made numerous online purchases this company. Their records will show that I have never been late or missed a payment. Unfortunately, I found out in XXXX XXXX that my account was suspended and turned over to collections for an original {$31.00} charge that grew to approximately {$120.00} ( with late fees and interest ). When I called to find out why my account was delinquent, I was informed by the customer service representative that the address on file was our old address ( from 2 years ago ) and that the bills and collection notices were being sent to the old address. What is even more strange is that when I made my last purchase online in XXXX, I updated my shipping and billing address ( see the confirmation email below from XXXX )!!! I worked through the process to have the payment applied and most of the finance charges removed and XXXX apologized for the error and stated they would not report a negative finding to the credit company. Unfortunately, my credit report is reflecting a deliquent amount that I need to have removed. I have contacted the major credit companies and they have indicated they can not take any action as the issue rests with XXXX. When I contacted XXXX, they claim that they did not report the issue and they issue is closed on their end. I need to get this off of my credit report as its hurting my financial future. Thanks! ( XXXX account # XXXX ) See supporting documentation. Thanks!

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 2021-02-04
Company: Westlake Services, LLC
State: SC
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020 XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XX/XX/2020 XXXXWESTLAKE FINANC add a hard inquiry on my credit reports. 
On XX/XX/2020 XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section XXXX ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Experian Information Solutions Inc.
State: MN
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:
I have an XXXX credit card. I tried to log in to my account via their app and online on Sunday night XX/XX/2021. It wouldnt let me log on, stating my account was closed. I called ( was on hold for 2 hrs ) and they said it was a system outage and not to worry, my account wasnt closed. However, they erroneously reported to credit agencies a derogatory closure & charge-off of {$880.00}. XXXX has not responded as to if or when this error will be fixed. Many others online are reporting similar hits to their credit reports/scores. Those with XXXX are trying to rebuild their credit, and must not be taken advantage of.

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 2015-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My spouse and I have sent the credit bureaus multiple dispute letters certified with documentation supporting our claims and they have completely disregarded our concerns. There is a debt and some late payments reporting inaccurately and we are trying everything in our power to get it rectified. Hoping this process will make them take us seriously.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Consumer Loan
Sub-product: Title loan
Issue: Lender repossessed or sold the vehicle

Complaint:
By law a register letter has to be send to the customer within 15 before any repossetion can take place, Loanmart repo my vehicle without any warning and knowing that a lawyer was negotiaring a payoff. Now I have to pay {$450.00} for repossetion fees and a {$25.00} dollars storage fees. This company has been rip people off taking advantage of people in need.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Southern Auto Finance Co
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:
On XX/XX/XXXX, I received my XXXX Dispute report. It showed that SAFCO was deleted, however in checking the other 2 credit bureaus the debt still showed. I contacted the company on XX/XX/XXXX and spoke to XXXX who advised that yes they responded to the disputes and she is unsure as to why it was not deleted on all 3 bureaus. She stated she would call me back in a week. No return call was received. If you sent XXXX the deletion information then it should be sent to all 3 bureaus correct? 

SAFCO:XXXX  ACCT # XXXX Amount : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Barclaycard closed my credit card account with no warning and now claims that I have 'forfeited ' my cash back rewards balance of {$12.00}, even though I had no knowledge of their plan to close my account. Clearly, if I had known, I would have access that cash rewards as a credit to my 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 explanation
Consumer complaint received 2016-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
The XXXX, TX address they keep showing on my personal information is not my address and Has never been. That address belongs to XXXX XXXX XXXX which is my daughter. 
Please have it 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 non-monetary relief
Consumer complaint received 2016-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a good credit standing with XXXX for over 2 years and paid in full.. XXXX is only able to report my good standing paid in full with XXXX, as XXXX and Transunion are no willing to report closed accounts that had Ch XXXX prior to getting the loan. XXXX XXXX issued a letter and an apology fearing if they report it to TransUnion and XXXX, the XXXX agencies will report me as open account which will cause me more harm. I contacted Transunion and spoke to a supervisor name XXXX and I wrote to XXXX & both agencies are not willing to help me.

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 2016-08-01
Company: Diversified Consultants, Inc.
State: GA
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:
The company put the adverse information on my credit report. before contacting me. I call them to inform them of the issue. The supervisor refused to send me any information and said that the information on my report will stay until sprint contact them. I told them I am only dealing with sprint due to my dispute of the debt was with them and they would have known if they would have properly contacted me. They said they contacted me by phone but were not allowed to leave messages, in which that was the only way I woukd have known they called.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Kentucky Higher Education Assistance Authority
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I recently applied for Public Service Loan Forgiveness program with XXXX XXXX. I was told that after consolidating my loans in XXXX, the time started over from that date. Problem is they are not taking into consideration my loan paid prior to XXXX. In fact I paid off several loans from XXXX XXXX and Kentucky Higher Ed from XXXX XXXX. After reviewing my credit report XXXX XXXX has reported that they actually paid these loans off via consolidation. This is not true. I have reached out to the Dep of Ed. and XXXX XXXX and they are not taking my issue seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: Pacific Union Financial, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My bank is robbing me. I 've only had my loan with this bank since XX/XX/XXXX and each year my payments keep going up. They claim my taxes are XXXX a year, however my township tax collector states they are {$10000.00}. I 've over funded my escrow since my loan existed and Pacific Union Financial is claiming my escrow is {$4300.00} short. I 've called numerous time to have it reviewed, faxed my proof from the township of the banks inaccuracy and they refuse to help me or fix my account. Where is my money going?!? They jacked up my mortgage {$630.00} a month!! I 'm extremely upset and dis pleased. They also have n't been sending the township the correct funds, and sent me a {$6500.00} escrow refund in XX/XX/XXXX, they slammed me with a XXXX tax bill right before XXXX. No one knows what they are doing and the turn around time to hear from someone is 3-4 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
After multiple attempts through calls and internet, from an unverified number Frauders were able to social engineer ( with a sin and zip code ) a USAA employee in to allowing access to my accounts. The Frauders were able to get thousands of dollars and my families personal information and even though USAA know it 's fraud ( this same event happened a ton of times ) and they were at fault. I was not alerted or contacted by USAA of the failed attempts on my account. USAA failed to place process and procedures and training to ensure that this ever happens again. Even this morning, the verification process did n't happen and I was able to speak to someone about my account and a manager about my account with out security questions even though my accounts are on high alert. These repeated failures continue to led to this same act of fraud.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This collection agency keeps harassing me about an account that was a predatory loan. I will literally be paying this debt until I am dead. I asked them to verify the debt and requested the original debt amount and contract with my signatures, because the amount they are trying to collect is not the original loan amount. It has been over 45 days and they have not sent me proper validation. No bill, no statement, no contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: Diversified Consultants, Inc.
State: FL
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:
Diversified Consultants and XXXX are attempting to collect money on an account that was paid and terminated. XXXX breached their contract with me by charging fees that were not allowed under our contract. I therefore terminated services with a {$0.00} balance. XXXX then tried to collect the monies allegedly owed for the remainder of the contract, i.e. {$820.00}. They have improperly reported these fraudulent charges to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 made effort after effort to contact TransUnion ( via phone and mail ) regarding the incorrect information reporting. I have sent letter after letter, the most recent being XX/XX/XXXX, certified, in which NONE of them have responded to. Please see attached. The information that is reporting is incorrect and has shattered my dream of home ownership. Please see attached documents. I have attached my phone records, the letter that was sent and receipt from the USPS of tracking info with the dates received.

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 2021-02-04
Company: EQUIFAX, INC.
State: FL
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:
There are accounts that are being reported on my credit file that I have never approved of. I am so confused on how something like this could happen. I am the only person who is authorized to use my credit and I have not given authorization to anyone else. Please look into this issue and have these files taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Billing statement

Complaint:
On XXXX XXXX, XXXX I requested copies of my monthly statements for the period of XXXX, XXXX and XXXX XXXX since I have n't received my statements. I have logged into the online service where both my old / closed Walmart account appeared and my new Walmart MasterCard appeared. But for whatever reason Synchrony bank removed my Walmart MasterCard from being viewed denying me access to view charges, interest and any transaction posted to the account. In other words denying the same right given to other regular customers who receive timely access to their monthly statements. I received a response or XXXX dated XXXX XXXX & XXXX, XXXX advising me that they would make every effort to resolve my inquiry in a timely manner. We are now in XXXX XXXX and I have not received those statements. This week I logged in to see if I had my access to the account reinstated but nothing has changed.

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 2016-10-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
XXXX closed my credit card account with no explanation as to why. They claimed it was due to past behavior, but they will not reveal the source of this alleged information. I seek to know where this information came from. I also seek to have my {$25.00} returned to me, as they made me close my IRA account and transfer the funds to another broker. If I did n't do that, they would have closed the account, and withheld XXXX % due to tax law - instead of just leaving it in there. 

They want to close the accounts - fine - but they should not charge me money for doing so. Also, I want to know the source of the negative information about my " past bad behavior ''. This source could be in error - but they wo n't tell me what it is or where they got it. I expected better from the CFPB in bringing this information to light.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: EQUIFAX, INC.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXXXXXX XXXX XXXXXXXX Dispute not available EFX Help mark icon EQUIFAX has opened a dispute on XXXX XXXX  Consumer NEVER asked Equifax to open a dispute. 

Consumer has NO ISSUES, NO PROBLEMS with XXXX XXXX  Equifax is ruining consumers credit history, by FRAUDULENTLY opening a dispute on the account above.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Late fee

Complaint:
Paid Barclaycard XXXX via website on due date. Was assessed a late fee because my payment was after XXXX. I pay my other credit cards online and none of them have a payment cutoff time before XXXX ( I paid around XXXX ). I had no reason to expect the case would be otherwise with the Barclaycard 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 2017-01-10
Company: Dream Center Education Holdings
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Have a loan that is from an institute from a different state ; it was online services. The only loan I should and do have is a institution in New York only. I would like to dispute this and get it off my loan

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XX/XX/XXXX I made a payment, in person, ,on my Credit Card with XXXX XXXX XXXX XXXX Pennsylvania . I made a {$500.00} payment and was given credit for {$50.00}. A 30 day late counter appeared and my credit report. The Creditor subsequently corrected it and removed the late. However, although XXXX has kept the late off, the other XXXX repositories reinserted the item not once but twice. XXXX corrected the mistake and removed it on XX/XX/XXXX. Trans Union has been especially egregious having insisted last year the item still remains. This has caused continued harm to my credit score and I am contacting an attorney. Having worked in the industry for more than 40 years it 's unconscionable that this continues. The creditor insists to me that they corrected this more than 2 years ago.XX/XX/XXXX asked them to look into my account history and it showed I was never late. I have a copy of the XXXX deletion and am extremely frustrated.

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 2016-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am disturbed that TransUnion continues to list the dismissed bankruptcy as confirmed within my credit file. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, TransUnion has no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, TransUnion must delete this information from my credit report and send me an updated copy when this action is completed. 
Considering that this does not require an investigation, I would appreciate an immediate response.

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 2017-03-30
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Have received several phone calls from office of XXXX regarding an attempt to collect a debt. Their tactics include calling family members and using threatening and abusive language when speaking to me about matter. I have attempted to resolve matter but have been told I will be sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am attaching an affidavit for identity theft in regards to XXXX XXXX XXXX XXXX  and an account that was opened fraudulently in my name with them, allegedly. I did NOT open an account with this company and I have submitted an affidavit to this affect. I attach the affidavit to this complaint and demand the item be deleted from 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