BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion is not actually investigating disputes. My identity was stolen and they 've rejected every dispute. I had to sue and finally get numerous incorrect data they never actually verified removed. Now they have another XXXX accounts and inquiry on there that are fraudulent and not mine, yet they claim they have verified. I have a police report proving they are not mine.

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: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have XXXX public records for tax liens that are paid in full and transunion is the only discrepancy compared to my other XXXX reports these were supposed to be removed and have not

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 2016-01-06
Company: U.S. BANCORP
State: CO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
We leased printers from US Bank. US Bank Equipment Finance continues to bill us for months past the lease and refuses to provide return instructions until we paid for months for which we were not contracted and did not use the equipment. 
We sent our termination letter in XXXX XXXX as the contract prescribed. The contract terminated on XXXX/XXXX/XXXX. As of XXXX/XXXX/XXXX, US Bank has still not provided return instructions as the contract prescribes. 
US BANK - XXXX XXXX XXXX XXXX. 
XXXX, MN XXXX Fax : XXXX Tel : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: FIRST NATIONAL BANK OF OMAHA
State: NJ
Product: Credit card
Issue: APR or interest rate

Complaint:
I took an offer for a balance transfer promotion from First National Bank of Omaha ( First Bankcard ) in or around XXXX XXXX. The promotion was for a lifetime 5.99 % APR. Then in XXXX of XXXX, I made a purchase for {$3100.00}. Since then my minimum payment every month has gone to reducing the balance of the lower APR promotion while the bank has continued to charge my the higher 15.25 % on the purchase from this year. I was under the impression from the XXXX Act that my payment would go to the higher interest charge and would allow me to continue to take advantage of the promotional rate on the balance transfer. Upon calling I was informed this was incorrect. That they can apply the payment as they see fit, first to interest and fees, then to the lower APR. If this is true, it certainly is not in the spirit of the XXXX Act and was not disclosed to me at anytime. I would not have used this card again until I had taken full advantage of the lower APR promotion. Now in effect I am not getting that promotion because my payments are being applied to the lower APR balance first. I take the bank at their word that this is legal, but it is definitely not consumer friendly. This was not disclosed in any way, in effect voids the offer that I accepted from the bank on that balance transfer, and actually increases my interest payment each month. As the lower APR balance is paid first, the remaining balance accrues interest at the much higher rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I previously held a revolving account with XXXX. In XXXX of 2013 the account was settled for a lesser amount, paid off, and then closed. This company is still reporting late payments although the account was paid and closed. It is not possible to be late on an account that does not even exist. I have filed four disputes to date. Every dispute finds that the reporting is inaccurate and the issue is fixed, until the following month. The company then reports that I am late as if the dispute and resolution never occurred. When I call the company directly I get continuously transferred and am forced to leave a message. I have never received a return call or any attempt to fix the situation directly from the company. This is harming my credit and effecting my chance to purchase a home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
my property was lost on XXXX and someone found my driver license and my social security card and other information, my credit card and they charged my credit card. I had send the police report to all three credit they do n't nothing about it. however, I fake this opportunity to address to you in order to get this resolve. thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/2022 XXXX investigated my claim of identity theft and agreed that the reported account as a result of identity theft and that I am not responsible for this debt. They also agreed to remove this information in its entirety from all three credit reporting agencies. To date, the incorrect information has not been removed by the credit reporting agencies.

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 2016-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I keep repeatedly reporting incorrect information to Transunion. I get the same results every single time. Transunion is not doing proper investigations. I was denied credit because my credit reports says I have major issues and I have nothing active as of now because of chapter XXXX and It reports I am 119 days late on current energy bill, I see reportings in XXXX saying a payment was received, no payment in XXXX but a payment was made XXXX and XXXX. I ca n't see where 119 days late comes into play. Transunion is reporting accounts from previous chapter XXXX bankruptcy as if were included in current bankruptcy, this account was a old We Energies account and has been discharged, they are reporting it as opened and XXXX missed payments. This account was discharged and closed plus XXXX payments were not missed. I ca n't access my credit report online with them because it states I have a dispute under investigation. I see accounts labeled closed-derogatory on many accounts listed. Transunion owes me XXXX credit reports in 6 months from the lawsuit they incurred and I ca n't seem to get one at all from them. I have been denied credit from insurance and other places because of these remarks yet they make it hard to get anything corrected. I have attached a picture of Transunion stating as of XXXX/XXXX/2016 I have no collection accounts but they have on my credit I am 119 days late for accounts.

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 2016-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have contacted Transunion online as part of my free credit report for the past XXXX years to obtain a copy of my report. Transunion says they can not accurately ensure my identity, and this year it says I have an open dispute so I can not get my report from them. Why can the other agencies give me my report XXXX and XXXX with the same information I provide to Transunion. Transunion is not releasing my report unless I give them money. I want a copy of my report from Transunion, so I can see what it says.

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 2016-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've sent 3 dispute letters to TransUnion. 
One on XXXX/XXXX/2016 the other a copy of the same dispute on XXXX/XXXX/2016 and now a third on XXXX/XXXX/2016. 
Since my first request ( over 260 days ago ) I have yet to see any investigation of any of my accounts in error or in question. 
Therefore, based on the bureaus blatant disregard of federal credit reporting laws, I would like all my account in error or question 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
Consumer complaint received 2016-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I SENT LETTER TO XXXX ON XX/XX/2015 AND NO 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 2016-10-03
Company: Focus Holding Company
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I purchased a termite pest control protection plan from XXXX XXXX XXXX XXXX and/or XXXX XXXX, which was financed with XXXX loans through its finance arm XXXX XXXX XXXX. Because XXXX did not provide the XXXX, I stopped paying the finance installment agreements. The alleged debts were sold or transferred to Focus Receivables Management, who has admitted in writing that the debts were " in error, '' only after reporting them to credit bureaus and sending me letters asking me to pay. Focus will not verify or validate the debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: Focus Holding Company
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is regarding XXXX XXXX billing me for services on a home I sold on XX/XX/XXXX, which they were advised of before the sale. They even came out and did the final inspection for the sale. I noticed that it was on my credit report when I looked on XX/XX/XXXX, so I sent them a check for {$86.00} Check # XXXX thinking that would take care of it and get it off my collection report. But that did n't happen. Now they have turned it over to XXXX credit reporting agencies - Focus-RM on XXXX and Focus MGMT on XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: PLANET HOME LENDING, LLC
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I started my mortgage modification with my previous mortgage company in XXXX XXXX ; my loan was sold and my new mortgage company took over in XXXX XXXX. I have made over XXXX phone calls since XXXX XXXX requesting a modification, numerous faxes, over XXXX documents submitted. In XXXX XXXX, I was informed that because my previous modification took place in XXXX, I would have to wait until XXXX XXXX in order to be qualified. We are approaching XXXX XXXX, and I am still waiting for my modification to be approved. This process has been frustrating ; I have been lied to on several occasions. I am disgusted. This processs has created an environment of ongoing stress and instability in my home. I need help. This is the second complaint filed with this office.

Company response to consumer: Closed
Consumer complaint received 2015-11-06
Company: New Century Auto Sales, Inc.
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Well i am a XXXX year old woman who is on her own and needed to get back and forth to work. I went to right way automotive credit because i had XXXX credit and could not get accepted anywhere else. At first everything was great, until i realized that i was scammed and got a car only work XXXX and was charged XXXX. I have nothing but issues since i drove off the lot. within the first two weeks i had to get my fuel filter replaced because it was super rusted and it had a hole in it. i have gotten the car in XX/XX/XXXX it is now XX/XX/XXXX, i have had the car for a total of 4 months and a rod in my engine blew. now i am XXXX in the hole for a car my insurnace and XXXX quoted was only worth XXXX in Excellent condition. i have no idea what to do. i was taken advantage of totally. no one should finance an XX/XX/XXXX XXXX with XXXX miles on it for XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-17
Company: Source Receivables Management LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX mobile phone provider is keep hiring collection agency to claim {$1100.00} for service i did not agreed. I was with XXXX for less than a month with out contract. I was on month to month service, and they gave me free phones for 5 lines family plan. After i learned that they were trying to charge me unfairly, i canceled the service and moved back to my previous provider. Later they hired collection agency which i disputed and was deleted out of credit history. Then they hired another collection agency which i kept disputing it. At this time XXXX  refused to allow me to dispute it, by simply taking the collection agency side. The contract they using has altered signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received multiple robo-calls daily from XXXX ( Rash Curtis and Associates ) even though I have asked them to stop calling my phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Regarding case # XXXX with BBVA Compass Bank, I receives a letter and I responded and when I did they said the act was charged off and the could not tall to me and to call recovery ( XXXX ) XXXX, they said they could not help and for me to go to the branch, branch said to call this #, they are giving me the run around and said that the account is charged off. Told me to pay the {$140.00} and all that is insuffient fees that I should have not been charged with in the first place, I am so upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Compass Bank closed my XXXX minor son 's savings accounts with no notice. Instead of mailing me the amount in their accounts that they closed, they have sent the money to unclaimed property. Now I have to submit a claim and wait for unclaimed property to investigate before I can recover this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I contacted all three credit bureaus regarding fraudulent access to my credit file. I have inquiries which was not authorized. I contacted all three bureaus and was informed that I must contact the companies to remove the inquiries. After I did what I was informed, the companies informed me that they do not have anything in their system with my information. Its ridiculous how I have a fraud alert on my credit report yet these companies can have access to my credit report. Who is protecting my information? Why did the Experian allow such numerous companies access to my credit acount without prior authorization? I request that each and every inquiry be removed and I request an updated credit report reflecting such changes.

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 2016-06-25
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian has XXXX 30 days late on my credit report from XXXX. I have sent this company copies that shows I made my payment by the end of 30 days. The law states consumers has 30 days before it is reported late to the credit bureau. I want this company to change from 30 days late to OK.

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 2015-06-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I 'm trying to perform a trivial operation - temporarily lift a security freeze on my credit report. However Experian 's website is not working correctly ( it repeatedly gets stuck at " loading '' ). When I call them, I get an automated phone tree with limited and inappropriate choices. I can not speak to a real person to perform this trivially simple operation. This is wasting an enormous amount of my valuable time. This company makes money from me therefore it should be more accountable and responsive. I strongly support heavy federal regulation to ensure this happens. Please tell me what I need to do to cause this to happen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I was trying to submit a credit report request for my boys, who are 7, since I received a mailer from XXXX with both of their names on it. Tried to use Experian 's Online Request form, but the system would not take any of my online documents, even after redoing them to the specs they requested ( PDF or TIFF and no color documents ). Unfortunately, the automated system did n't give me an option to address this. I 'm not comfortable sending this documentation in the mail since it would contain ALL the necessary information to create accounts in both my kids ' names and mine as well since it requires me to submit a copy of my Gov't ID and utility bill. Is there a more secure way of quickly doing this? XXXX had the most efficient way of submitting a request and ca n't understand why all three do n't have this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
On XXXX XXXX, 2016, I submitted a complaint ( XXXX ) against Experian. They have not responded to the dispute in the allotted time ( 30 Days ), nor is the information directly verified from the United States Bankruptcy Court. Experian has violated the FCRA Section 609 a 2 ) and Section 611, paragraph ( 6 ) ( B ) ( iii ). 

Under the FCRA, the Credit Reporting Agency is required to verify disputes directly with the lender. Therefore, the lender would be the United States Bankruptcy Court. By using XXXX XXXX, a third party information provider, you have failed to verify this information. The courts DO NOT report any information to the credit bureaus other than my name, address, zip code and last XXXX numbers of the social security number. 
If you insist that you have verified with the clerk, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Please provide the following : ( a ) The name of the courthouse ; ( b ) the person 's name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute. 
An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
If this is not removed forthwith, my next communication with you will be taking you to court and filing a complaint with the Attorney General. I am a serious person and I 'm not playing games here.

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: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
according to the fcra items must be removed in 7 years in general paid or unpaid. 

evrything remains that is suppose to be removed thanx

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