BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TRYING TO GET SOME HELP CLEARING MY NAME FROM THIS ACCOUNT THAT APPEARS 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 non-monetary relief
Consumer complaint received 2022-07-24
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
About a month ago, I contacted ALLY because had not heard anything from them. When I requested them to mail me the information, I was told to sign up on the internet, but I lost my paperwork and don't know the account number. Two weeks ago, I mentioned that I had not heard/received anything from ALLY which was odd so I asked for validation of proof of the loan along with the contract with my " wet '' signature. They have sent nothing! 

This is supposed to be a business working in good faith. They are not. 

Please fill free to use my email : 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 2022-07-24
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a customer Reporting agency cannfurnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a customer Reporting agency cannfurnish a account without my written instructions.

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 2017-03-06
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Other

Complaint:
I have a Wal-Mart credit card that I recently paid off, XXXX XXXX, in the amount of $ XXXX. Today, my wife looked at our account, lo and behold, Wal-Mart had withdrawn an identical payment on XXXX XXXX. It was listed the same way as the previous payment, an online payment. My wife called our bank, and they could stop the still pending payment, but they would charge us. Even though it was an identical amount for an insanely high dollar value. They told her to call the credit card. When my wife called them to talk to them, they went between saying we did it, our bank did it, maybe a 3rd party did it, or someone paid in store or who knows what. They tried telling her that I must have made a {$670.00} payment on a closed, zero balance card. After much arguing, they finally relented and reluctantly told my wife they would issue a refund. This however would take 7-10 days to get a check in the mail because they do n't issue electronic refunds ( despite the fact that they do electronic withdrawals ). So my wife called the bank back up who only decided to stop the payment and not charge us because we were such " good customers '' with " no previous overdraw fees ''. So then my wife had to call the Wal-Mart card back, and cancel the refund. They continued to blame us for it, and only after my wife prodded them, they admitted that had the refund continued through with our bank cancelling the payment, we would have had massive fees and fines for what they would consider " using a cancelled card. '' We finally got the whole thing resolved, but my wife had to spend all day on the phone. Wal-Mart credit card tried stealing $ XXXX from us, and we had to twist arms to get our bank of 10 years to work with 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 2022-07-24
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: Account information incorrect

Complaint:
XXXX XXXX - REPORTING INCORRECT INFORMATION ACCOUNT NUMBER XXXX DATE OPENED- TRANSUNION XXXX XXXX XXXX XXXX OF LAST ACTIVE -TRANSUNION-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 non-monetary relief
Consumer complaint received 2021-12-16
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I received the following email from Macy 's. In short, I did not make this purchase nor do I know the person in the shipping address. I called Macy 's and they cancelled the card and will send me a new one. However I want to report this action including the person who may be responsible. 

-- -- -- -- -- XXXX XXXX, Thank you for visiting XXXX. Regrettably we had to cancel your order because we were unable to verify information provided in connection with this purchase. 

We've requested a reversal of your payment with your financial institution. The exact amount of time until your payment is reversed is determined by your financial institution. 

We understand you have a number of options when making your purchase, and we're sorry for any frustration or inconvenience. 

Please call our Consumer protection team at XXXX ( Sunday-Saturday XXXX to XXXX ) Eastern Standard XXXX XXXX XXXX this issue. 

Order # : XXXX Order date : XX/XX/XXXX Payment method : Macy 's XXXX Refunded amount : {$640.00} Billing Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX Shipping Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Gift Receipt : Yes Order total : {$590.00} Shipping : FREE Additional shipment fee amount : {$0.00} Shipment upgrade fee amount : {$0.00} Gift wrap fee amount : {$0.00} Sales tax : {$49.00} TOTAL : {$640.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
CHASE USING XXXX I deposit a check on XXXX/XXXX/2016 and Chase decided to put a hold until XXXX/XXXX/2016 when the check was from the same institution, yet on the XXXX/XXXX/2016 received confirmation from the check issuer proof that the check was cash and clear their account. 
I find this very deceiving not a good business practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-17
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Bankruptcy was XXXX XXXX, a collection was made in XXXX under XXXX  and XXXX XXXX XXXX. I then filed a report with the Attorney General Offices in Texas and Washington as well as a dispute resolution through the US Department of Education. 

XX/XX/XXXX of XXXX I received a letter Transworld Systems Inc collecting on the same debt, I responded to them to dispute the information using the systems that they described in their letter. 

Explained that the debt was discarded in XXXX, that I went through this process back in XXXX. This has been the first time since XXXX that I have received anything of the sorts, has not shown up on any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My payments are done with the auto payment service provided by MyLoanCare and on XXXX of 2019 the company reversed payments for some months. The payments where made on time and I call the customer service department I'm kept on hold a long time. The person helps me fix the issue and they tell me its good, then I call in a few days later to confirm and the person says again that the problem is still there. 

I maid double payments to avoid getting my credit score damaged but they still keep sending bad information to the credit reporting agencies. 

I have all proofs of payment and I had my accountant review the account and we have a file with all the payments. The second problem is the balance showing on their statement does not match my records.

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 2020-06-17
Company: Experian Information Solutions Inc.
State: AR
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:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX   XXXX {$610.00} XXXX XXXX {$14000.00} XXXX  XXXX {$23000.00} XXXX XXXX {$960.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX Date : XXXX Inquiry Type : Unknown - Credit Extension, Review, Or Collection XXXX XXXX Date : XXXX Inquiry Type : Unknown - Credit Extension, Review, Or Collection XXXX XXXX XXXX Date : XXXX Inquiry Type : Unknown - Credit Extension, Review, Or Collection XXXX XXXX XXXX Date : XXXX Inquiry Type : Unknown - Credit Extension, Review, Or Collection XXXX XXXX  XXXX Date : XXXX Inquiry Type : Bank Credit XXXX XXXX XXXX XXXX Date : XXXX Inquiry Type : Bank Credit XXXX XXXX XXXX XXXX : XXXX Inquiry Type : Auto Financing XXXX  Date : XXXX Inquiry Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX Type : Bank Credit Cards -- -- -- XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Account Type : Other XXXX Account Number : XXXX Account Type : Other XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan

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 2016-03-03
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am a cosigner of my granddaughters student loan back in 2003 through XXXX XXXX. When payments were not made they sent me a letter and I made sure the accounts became current. XXXX XXXX split off or sold to Navient. I was not notified and had not heard anything for a long time. This past Monday I was paying a bill online and notice my FICO score went from XXXX to XXXX. I immediately printed my credit report and found to my surprise Navient reporting late payments. I called Navient customer service in XXXX and they looked and said they email notices. Number one they did not have my email on file so she changed it. I followed the instructions of disputing the drop in score and sent part of my credit report and a letter about them not notifying me about anything. I had intentions of giving them an opportunity before making a complaint but in my email of Monday when they added it they also sent another email and in the account they showed where they had sent emails. They did not have my email address until Monday so it seems they are trying to get out of admitting the problem. What I want is my credit as it was. I noticed online that Navient has many complaints against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I asked yesterday for Bank of America ML to make payments to XXXX credit cards ( XXXX and XXXX ) for {$500.00}. They show as being process in my on-line bill pay system on XX/XX/XXXX and yet they do n't show up on XX/XX/XXXX in either my account balance or account history. As such, these payments are not accurate reflecting my account balance and may over draft my account nor are they showing up as pending. I have overdraft protection but this payment to a bank card within a bank system is extremely misleading. Bank of America requests that customers use on line bill pay for services and ease of balance tracking. Please advise as to how BAML will create a system that accurately reflects all transactions made with bill pay and are accurately reflected in account history and pending transactions.

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 2022-11-17
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
WHY ARE YOU REPORTING THIS INACCURATE INFORMATION? THE BALANCE ON THIS ACCOUNT IS {$0.00} MEANING THERE AREN'T AN OBLIGATION THAT'S DUE. THE BALANCE WAS PAID OFF OVER 10 YEARS AGO. THIS INACCURATE INFORMATION IS DEFAMATION OF MY CHARACTER.The obligation was paid theres no need to have inaccurate information reporting especially when the obligation has met these types of things destroy a person 's life and character. 


THIS ACCOUNT SHOULDN'T BE LISTED AS DEROGATORY WHEN THE BALANCE AND {$0.00} AND NOTHING WAS NEVER OWED ON THIS ACCOUNT DELETE THIS INACCURATE INFORMATION. 
WHY ARE YOU ALLOWING A SCAMMER TO RUIN MY LIFE AND YOU WONDER WHY ITS SUICIDE VICTIMS.

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 2019-12-23
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX never late XXXX  XXXX  XXXX XXXX never late

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a mortgage with XXXX XXXX. I made all payments, I even had a payment plan with them, bi-monthly. They closed that program down wth no warning. I was injured on a job, had XXXX fell behind in payments, caught up the month in question is XXXX. My daughter and I made the full payment, late but it was made. Later on XXXX had a Home preservation program ( loan modification ) I entered it during XX/XX/XXXX. The modified payment began on XX/XX/XXXX- XX/XX/XXXX, a six-month program. after it was done I was to resume my normal paymens. Somewhere along the way, XXXX destroyed six months of payments they transferred my loan to Carrington, then they said I was behind and owed Carrington the six months of payment beginning in XX/XX/XXXX including the difference from the modification payments. I have my records that shows I paid everything and Carrington will not accept them because of a missing signature on faxed copies. They have sent back my payment for XX/XX/XXXX. They accepted my payments for XX/XX/XXXX and XX/XX/XXXX. They told me they will not accept anymore payments from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: Lending Club Corp
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX i got a loan from lending club in the amount of XXXX loan # XXXX. loan term was for 36 months, interest rate of 17.47 %. I paid on this loan for a year making payments of XXXX. On XX/XX/XXXX i decided to try and pay off the loan early, at that time the balance was {$5500.00}. I decided to send in a large payment of {$3200.00}. When i sent Lending Club {$3200.00} the loan was overpaid and therefore scheduled to be paid off early. NO payments should have been due until XX/XX/XXXX. The problem is that Lending Club kept on trying to withdraw via electronically the monthly payment of XXXX from my bank account monthly anyways. The Original loan documents stated that There would be no penalty for paying loan off early and then refinancing that loan. etc. ( confusing advertising, credit denied, Problem with the payoff process at the end of the loan, or refinancing loan ) -- Telephone agents told me that once i got my loan balance down to XXXX i would be allowed to reloan. XX/XX/XXXX of XXXX I made a {$3200.00} which reduced the loan balance from XXXX to XXXX, XXXX. After i made the payment agent told me to go online to reapply but each time i applied the loan was denied and this happened twice. ( XXXX ) .. XX/XX/XXXX Lending club contacted me to sit up payments for the remaining XXXX. They offered to restructure the loan if i agreed to pay XXXX mo. for 18 months, they said that even though the loan would be paid in full at the end of the 18 mo lending club would not remove the charge off status.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Experian Information Solutions Inc.
State: MN
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 2 credit cards with XXXX XXXX XXXX and credit protection on both accounts. It has been a process to activate benefits being that I get unemployment I qualify if I was enrolled in credit protection 30 days prior to getting unemployment. I have been waiting for a couple months and I think it's XXXX to current that credit protection is suppose to be taking care of my monthly bill. I got one bill covered on one of my accounts and that is all and I still qualify for credit protection. I sent over proof of unemployment and I just received a letter yesterday and I got ta send more information and they have not been doing their part. My accounts got reported to credit bureau and this is unfair the way I'm getting treated as a customer since I already explained to XXXX XXXX XXXX about the credit protection being very unprofessional and it's hurting my credit. I have the credit protection and should not be in this situation. It's suppose to benefit me have that protection. I would like it if these reports got removed from credit bureaus since this is not in my control. I am trying to rebuild my credit and this is out of my control but seems the consumer is always wrong. 

Thanks, 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