BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
TransUnion Consumer Solutions XXXX. XXXX XXXX, PA XXXX ATTN : Legal Department Re : File No. XXXX I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within XXXX business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX CTY MUNI CT ( Docket # XXXX ) ACCT. BAL : {$250.00} This account has been paid in full. Please delete. 
XXXX. ACCT. NAME : XXXX XXXX XXXX ( ACCT. # XXXX ) ACCT BAL : {$6800.00} This account was charged off. Please delete 3. ACCT. NAME : XXXX XXXX XXXX ( ACCT. # XXXX ) ACCT. BAL : {$420.00} This account has been charged off. Please delete. 
XXXX. ACCT NAME : XXXX XXXX XXXX ( ACCT. # XXXX ) ACCT BAL : {$440.00}. This account has been charged off. Please delete. 
XXXX. ACCT. NAME : XXXX XXXX XXXX ( ACCT. # XXXX ) ACCT BAL : {$1200.00}. This account has been charged off. Please delete.

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 2016-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XX/XX/2016 I was looking at my Transunion credit report and noticed that they had reinserted previously deleted addresses and previous employers that were previously deleted. Transunion illegally re inserted the addresses and employment with out giving me written notification 5 days prior to re insertion. They have broken the law. 
The addresses they illegally reinserted are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The employer they illegally reinserted was : 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 2021-01-08
Company: CITIZENS FINANCIAL GROUP, 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 information incorrect

Complaint:
I have home mortgage with Citizen one loan number # XXXX  currently in Covid 19 forbearance under CARE Acts. Though I have been granted forbearance till XX/XX/XXXXof 2021 and next payment is due onXX/XX/2021.yet again citizen reported to experience credit agency that I mortgage balance is high now .My bank altered me that citizen one home loan have report this matter to credit agency on XX/XX/2021. I tried to talk to them citizen bank, has no answer for it, they said they didn't do it mean while credit agency said they only report when lender initiated a report. I am not sure if they can report this sort of information which will negativity impact credit history of many homeowners like me. I highly urge our government, please save us from this sort of unethical behavior of bank and putting homeowners like us in difficult situation. Millions of people are losing jobs, tanent are not paying rent, municipality is not giving us the break with taxes and on top of, this sort of negative reporting is no mean to be good for hard working homeowners. Thank and I look forward hear from the agency soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: HYUNDAI CAPITAL AMERICA
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I bought a new XXXX in Arizona XX/XX/XXXX. After driving to my state of residence in WA I started trying to get a copy of the title in order to get my vehicle licensed. The dept of motor vehicles in WA faxed the request of XX/XX/XXXX, again on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. I called on XX/XX/XXXX, XX/XX/XXXX and was told they would expedite the request to fax the title. 
XX/XX/XXXX I talked to XXXX who said he would expedite and mail. 
XX/XX/XXXX I talked to XXXX who said they needed a paper copy and it would take 3 weeks. 
XX/XX/XXXX I talked to XXXX ( not sure of name because accent was too strong ) who was a superviseor ). He said got the paper title on XX/XX/XXXX and it would be sent XXXX XXXX in 5- 7 days. 
XX/XX/XXXX Talked to XXXX who said would XXXX XXXX  title within 5 days and would expedite. 
XX/XX/XXXX Talked to XXXX who said would put in a state to state request to send the title XX/XX/XXXX Talked to another supervisor, XXXX ( not sure because the guy hardly spoke XXXX ) who said he would send the request ( XXXX ) to the title department. He refused to give me any way to contact the title department and was extremely rude. Told me the request was never sent to fax too paper title after it was received on the XXXX! Now, another 3 weeks. Meantime I have extended my license and will have to pay again to extend it. This is the worst trained, most incompetent agency I have ever dealt with IN MY LIFE!!! Just because of them I will never buy a XXXX again!

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 2016-07-18
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I paid off my Chrysler Capital lease so I could keep the vehicle when lease expired. After almost 2 solid months, this corrupt outfit has refused to provide any final accounting of my account, or refund a substantial overpayment due me, send me title to the vehicle, or in any way acknowledge payoff of this lease! This is THE most corrupt and incompetent firms providing finance for any of the major auto brands, with a huge number of consumer complaints, and NEEDS TO BE INVESTIGATED AND FINED! The company is not even a Chrysler subsidiary, it is instead owned by Santander bank group and simply licenses the Chrysler name, further defrauding customers who think they 're dealing with Chrysler when they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I started my account in XXXX of XXXX. Every week for months over the summer of this year, XXXX to XX/XX/XXXX, Regions bank has been over drawing my account then charging me, sometimes multiple overdraft fees after I opted in for overdraft protection.

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 2022-10-19
Company: SUN LOAN COMPANY INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I made the payment due, as I have always done but unfortunately it was a few days late. The company took my full payment but I didnt have the late fee. They applied the money towards the late fee first then stated I had not made full payment so it would be reporting negatively to my credit report. Also they stated If I dont pay the {$10.00} plus the {$2.00} convenience fee additionally. 

I feel I paid my full payment and should be applied to my full payment before the late fee and especially before reporting negatively to the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX I authorized {$100.00} debit from XXXX XXXX XXXX. On XXXX XXXX I lost my debit card which I reported lost and CitiBank declined the debit I had authorized. That same day I called Citibank to explain that I had authorized the debit from XXXX XXXX XXXX. Citi bank proceeded to debit my account but the funds where never transfer to XXXX XXXX XXXX. I have place several calls where Citibank states that the claim is under investigations after 2 months and many calls I when to the financial institution located at XXXX XXXX XXXX XXXX, XXXX, Fl XXXX. I found out that there was not an investigation opened and there was never one opened to begin with. All this time the information they had provided me over the phone was misleading and false.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX 2016 and again in XXXX 2016, someone stole my XXXX XXXX credit card number and charged in excess of {$2000.00} in clothing. I reported XXXX of these cases of identity theft to XXXX XXXX, my local police department, each credit bureau and the FTC. XXXX XXXX claims they are investigating the identity theft. In spite of this investigation, XXXX XXXX continues to have their collection department call me and now they have placed a negative " 30 day late payment '' on my credit bureau accounts. I have REPEATEDLY called XXXX XXXX to try and get this resolved to no avail. Please assist 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 explanation
Consumer complaint received 2015-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I submitted a dispute online and it appeared to go through, but I did not receive any notice of it and when logging in later I could find no record of ever having filed it. I then called TransUnion and they had no record of the dispute, so I filed it over the phone and the representative collected my email address, but I received no notification that it was submitted or the status of it. If I log on to their website I still do n't see any indication of the the status of the dispute. 

The account I 'm attempting to dispute is " XXXX # XXXX '' which was a debt that was sold to XXXX but not appropriately reported to TransUnion ( or TransUnion recieved the report but failed to actually file it, much like they 're doing to me now. ) This caused the debt to be duplicated when it is actually the same XXXX adverse account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have attempted to reach out many times to ask for a payment plan they said if I could not meet a certain minimum I was not able to get help. Now they want to send me to collections after I attempted to get help to pay a smaller amount to get back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Clark County Collection Service
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received an email this morning that a new trade line was added to my credit report. I checked my report and saw that XXXX XXXX, which is located in Nevada, was added to my report as a debt. I do not reside in Nevada, I reside in California. The company reporting the collection is XXXX XXXX XXXX. The date is XX/XX/2022, of reporting until now. I have tried contacting XXXX  XXXX and Clark County Collection via phone and I was unsuccessful in reaching anyone in their department. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
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: Problem with personal statement of dispute

Complaint:
On XX/XX/22 I spoke with a Equifax Representative at XXXX estimated time about me the inaccurate investigation by Equifax concerning my credit file Confimation # XXXX inaccuracy and Equifax Failing to provide me the consumer with " Verifiable Proof '' of the original creditor signature concerning the debts in my credit file. Equifax representative misrepresented me, was rude, and Intentionally and Willfully ended the call with me without my consent and transferred the call to a survey. Check their recordings. The Equifax Representative Did This Because He didn't have a accurate response concerning the unlawful acts Equifax have commited in Violation of 15USC 1681 ( a ) ( 4 ) Negligence, Breach of Confidentiality, Breach of Trust, Data Brrach, False Documentation Inside My Credit File, Identity Theft, Fraud, Damages all affecting my Credit causing me severe finacial Hardship and enslavement of my future

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
1. Bank of America need to my mortgage loan history back on my report. 
2. XXXX needs to remove the credit line they are reporting. 

As per the credit report, the last date Bank of America reported data to the credit report was XXXX XXXX. 

On XXXX XXXX, XXXX, Bank of America 's agent foreclosed on the property. 

From XXXX XXXX through XXXX XXXX, there has been no data reported on Loan XXXX. 

On XXXX XXXX, XXXX began to report adverse and incorrect information referencing loan XXXX. I have never executed any loan agreements after the foreclosure sale on XXXX XXXX, XXXX. Bank of America and XXXX are colluding and conspiring to collect a debt without any authority.

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 2022-10-19
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Ally Bank approved the financing of my auto loan from the XXXX XXXX XXXXXXXX XXXX in XXXX XXXX XXXX, Texas after the promissory note was signed at the dealership for full faith credit payment of said goods purchased. 

Under the FDIC Hold in due process 6000 Rule 433.2 ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

16 CFR Part 433 Staff Guidelines on Trade Regulation Rule Concerning Preservation of Consumers Claims and Defenses ( Holder in Due Course Rule ) Rule Summary The Preservation of Consumers Claims and Defenses [ Holder in Due Course Rule ], formally known as the " Trade Regulation Rule Concerning Preservation of Consumers ' Claims and Defenses, '' protects consumers when merchants sell a consumer 's credit contracts to other lenders. Specifically, it preserves consumers ' right to assert the same legal claims and defenses against anyone who purchases the credit contract, as they would have against the seller who originally provided the credit. ( I was not provided full disclosure, and my credit was not credited to my account. ) First, the seller may execute a credit contract with a buyer which contains a promissory note. In the event that the promissory note is assigned to a credit company, the credit company takes it free of any claim or defense which the buyer would have against the seller. This is true unless the buyer can prove that the credit company is acting in bad faith or with notice of actual seller misconduct. Second, if a local statute prohibits the use of such promissory notices in credit sale transactions, the seller may incorporate a written provision called a " waiver of defenses '' in the text of an installment sales agreement. A waiver of defenses is the consumer 's written agreement that his installment purchase contract may be treated like a promissory note in the event that it is sold or assigned to a credit company. ( I was not provided full disclosure, and my credit was not credited to my account. ) Ally placed a lien for payments on this loan when the dealership was paid in full faith per the consumer credit contract and the signed promissory note. My attached Certified XXXX Search 11 shows no lien was ever placed on the goods in question. 

I'm not able to access my online statements or contract, I did send Ally Bank a request for a copy of my contract or statements.

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 2016-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
YESTERDAY..TRANSUNION CONCLUDED INVESTIGATION ON XXXX XXXX ON THE RESULT ATTACHED transunion in the remarks says falsely and inaccurately that the account was settled for less than balance.I want complete information to report, I want the amount I paid on XXXX/XXXX/2016 to be the recent payment : {$260.00} and amount paid {$260.00} on the report.I want {$250.00} to stay on the report as the correct amt. of original collection.I have included creditor letters. 
IF TRANSUNION DOES NOT REPORT THE AMOUNT ACTUALLY PAID ON THE REPORT ... TRANSUNION MAY BE AIDING AND ABETTING AND CONSPIRING WITH XXXX IN A CA ROSENTHAL FDCPA VIOLATION OF ARTICLE 2.6. ( ATTACHED ) additionally today transunion would not start a dispute on the phone or on-line.I called XXXX two times was transferred 4 times each until I was left with a voice-mail. 
I clearly stated the purpose of my call to XXXX different people to dispute on my credit report. 
The previous CFPB INVESTIGATIONS SHOW THAT TRANSUNION HAS A PATTERN OF VERIFYING SERIOUS FALSE, DAMAGING 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 2015-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Recently, I disputed item XXXX XXXX XXXX XXXX / XXXX on my report from Trans Union . This is an unsubstantiated account for the reason that XXXX XXXX has failed to provide details regarding their compliance with the law. This letter was dated XXXX XXXX, 2015 and received by XXXX XXXX on XXXX XXXX ( copy attached ). XXXX XXXX failed to provide evidence of their compliance of required proper notices and disclosures regarding the deficiency balance claimed. Trans Union was provided this information in my follow up dispute. Despite this, Trans Union continues to verify that the information is accurate. Attempting to figure out how Trans Union was able to do this, I made a request pursuant to FCRA Section 611 ( a ) ( 7 ) requesting that Trans Union describe their methodology in order to determine that XXXX XXXX has complied with the law. The letter to Trans Union was dated XXXX XXXX, 2015 and received by Trans Union on XXXX XXXX, 2015 ( copy attached ). On or about XXXX XXXX, 2015, Trans Union replied to my inquiry, yet completely failed to address the FCRA 611 per my request. I am requesting from Trans Union that they provide me details of their method of verification including the name and address of the organization or individual providing this information as well as evidence that my correspondence was reviewed by Trans Union and in fact forwarded to XXXX XXXX XXXX / XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX # XXXX is reporting a collection to my credit that I no longer owe. This is past the Statute of Limitations in Utah and I no longer legally owe this debt, I would like it removed off of 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 2016-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
this is my second time writing transunion, XXXX in regards to identity theft and credit bureau did not produce physical documents to prove these accounts are mind. I sent XXXX certified letters to each bureau as well as an identity theft affidavit number XXXX and these accounts still remain on my credit report. XXXX XXXX XXXX XXXX XXXX BANK XXXX MORTGAGE XXXX BANK ARE ALL DIRECT RESULTS OF IDENTITY THEFT. PLEASE REMOVE IMMEDIATELY

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