BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This bellow I sent to Credit Bureaus via certify mail '' " Account Name : XXXX XXXX Account number : XXXX To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 4 previous letters to you, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that this account is inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the item. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and this reasons were not frivolous in any way. '' I did not received any response from XXXX  and Transunion, only XXXX  and Transunion keep posting wrong info on my 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 2020-01-16
Company: U.S. BANCORP
State: KS
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On Friday XX/XX/XXXX, between the hours of XXXX I went to the US Bank ( XXXX XXXX XXXX XXXX XXXX, KS XXXX United States ) and deposited {$970.00} cash into my savings account. A week later when I checked my mobile bank app to look at my funds I noticed the {$970.00} that I deposited never actually showed up in my account. It never showed up in either my checkings or savings account. I immediately went to the bank and gave them all my information to pass on to the bank manager, who was going to contact me later. After a few days of the manager not contacting me I called again and the branch manager said he was never given any of that information and he was going to go ahead and look into it for me and hed call me back within 3 days. After 5 days I called and spoke to another manager who said she would look into it. After another few days past with no calls I tried repeatedly calling the branch without hearing from anyone. 3 weeks later ( after the initial deposit on the XXXX ) I went up to the bank to talk to the branch manager in person. He informed me he forgot to call me but that he did look into the day in question ( Friday XX/XX/XXXX ) and saw that there were no transactions for any of the tellers for the amount in question ( {$970.00} ). At this point I asked if he could check the security footage and to that he said he didnt have access and hed have to put in a request and that it probably wouldnt help because they dont know what I look like. I then said Id like to file a complaint and he said to file a complaint about lost money Id need the receipt, and of course I dont have the receipt and if I did I wouldnt be having this problem. My concern is, that if the branch manager did actually look into all of the transactions on XX/XX/XXXX and there were none for the amount of {$970.00}, then someone must have done something with my money. At this point I am tired of dealing with the branch manager because he doesnt seem to be that interested in helping me and repeatedly questions me on whether I have the date correct or if I have the branch correct. There is no doubt in my mind that it was that exact day and that exact branch. Either the manager never actually looked into it, or somebody walked away with my money without putting it into the system.

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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
1.Account Name : XXXX XXXX XXXX Account Number : XXXX Amount XXXX Date opened XX/XX/XXXX 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 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 2016-07-22
Company: AMERICAN HONDA FINANCE CORP
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XXXX, I purchased a 2012 Honda Odessey minivan and financed the purchase through Honda Financial Services. Since XXXX, I have made every monthly payment on time. In XXXX XXXX, my bank stopped payment due to an unknown issue. Honda Financial Services did not call me or send me mail until XXXX XXXX, XXXX. I received that document on XXXX XXXX and immediately called HFS to resolve the situation. I spoke with XXXX, the manager in the XXXX call center. We called my bank, XXXX XXXX, to attempt to resolve the situation. XXXX agreed to pay the late fees to HFS to atone for the error. I immediately repaid the past due amount. However, XXXX refused to remove the past due report on my credit report for XXXX. I have researched this and know that it is in XXXX and HFS ' discretion to remove these from a consumer 's credit report, yet in this case HFS was completely unwilling to assist. I am about to apply for credit to purchase a home, and HFS ' report has reduced my credit score to where my interest rate will be higher than it would have been without HFS ' report. I have made every HFS payment on time for over three years now, and the one time that there was an issue, it was not my fault. Yet HFS is publishing defamatory information about me that is causing financial harm. I have called XXXX a second time to ask for help, but she has not answered my calls or returned my calls. I need help in fixing this abuse by Honda Financial Services before it costs me thousands more in interest expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions 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:
1.Account Name : XXXX XXXXXXXX Account Number : XXXX Amount XXXX 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 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 2016-09-09
Company: Goldstein, Cruise and Smith LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
My name is XXXX XXXX on XXXX I have received numerous calls back to back from XXXX from a XXXX XXXX associate of the below mentioned law firm, started harassing me and threatening criminal prosecution if I did not pay this debt from XXXX advise wanted proof of debt validation and he did not identify me that I was right party contact and verify my information first or read me the mini miranda instead he was very abusive and threatening and cruel and demand payment now! I hung up on him he called back three more time in minutes after the first call again at XXXX finally XXXX Then he called my husband XXXX XXXX XXXX for past 28years at his cell XXXX three times threatening him at XXXX, XXXX XXXX and harrassing him, for payment my husband advise of cease and desist verbal and reminded him of TCPA AND FDCPA LAW MY HUSBAND HUNG UP ON HIM Goldstein, Cruise and Smith LLC collection agency she claims XXXX XXXX XXXX at XXXX XXXX on XXXX/XXXX/XXXX on my cell XXXX claims she is an attorney and she does n't have to adhere to FDCPA and left threatening message I have saved on my voice mail Also called from XXXX from XXXX at XXXX no message left have saved on my call log. Both of these numbers go to a prepaid cell # in XXXX, California Phone : ( XXXX ) XXXX View Additional Phone Numbers XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX View Additional Email Addresses! THERE IS AN ALERT ON GOLDSTEIN, CRUISE AND SMITH LLC!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2016-06-30
Company: Moneytree Inc
State: NV
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I had an installment loan with Moneytree. I made payment arrangements with my first payment due Sat XXXX. I called and made the payment and was told the money would n't be taken out of my account until Monday the next business day. I said please make a note that payment was made on time and was told no problem, you 're ok. 

The following Wednesday XXXX I get a call at work. I was busy so the bartender took a message. I get the message that says " Call XXXX at Moneytree " along with an XXXX number. 

I returned the call and was told you are late on your payment and I informed her I was not and had a confirmation number to prove it. 

They called and shared my personal information with a third party ( the XXXX ). Not only have they now humiliated me at my place of employment but have jeopardized my job due to the industry I 'm in.

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 2016-03-15
Company: CarMax, Inc.
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a XXXX Ford Focus from Car Max Auto Finance. I have been making payments on the car since XX/XX/XXXX. After reviewing my credit report Car Max had my car listed as a charge off two times, XXXX in XX/XX/XXXX and one on XX/XX/XXXX. I contacted Car Max and was told via phone and written correspondance that they would have my credit corrected with in 90 days. It has been over 120 days and my credit has not been corrected and I have suffered greatly from the incorrect reporting. I have been unable to purchase a home due to the dispute. I want my credit corrected immediately and request to have any and all negative marks removed due to the inconvenience and hardship this has caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MYCREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16
Company: FC HoldCo LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had an auto loan through FLAGSHIP CREDIT ACCEPT. My car was totaled out, paid off by my auto insurance and gap insurance. The finance company ( FLAGSHIP CREDIT ACCEPT ) did not process the payments timely to pay off the loan. They tried to get one last payment from me but I disputed it because my insurance companies paid the loan off. No my credit report shows a write_off of XXXX dollars. I dispute owing FLAGSHIP CREDIT ACCEPT any money. This is hindering my ability to finance a home. This loan was paid in full but the lender is trying to get more money.

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 2015-05-20
Company: CAINE & WEINER COMPANY, INC.
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had automatic payments coming out of my account from XXXX. I canceled the insurance when i got rid of the car. I Just got a credit report and seen that XXXX was on there through Caine Weiner saying I owe them Money. I never got any notice or phone calls or anything and there is no last activity date or a contact phone number. I Should n't owe anything because I had automatic payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: Stellar Recovery, Inc.
State: MD
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:
Stellar Recovery, is collecting a past due balance from XXXX so I made a payment arrangement for when I go back to work because I was in school during the summer, so that they would n't put it on my credit report but they put it on my credit report anyway because they said I did not pay it within their time frame but they never told me there was a time frame so that was misleading and unfair because if they were going to report it on my credit anyway then I could 've took as long as I wanted, but I tried to settle my debt and they screwed me over anyway.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Stellar Recovery, Inc.
State: AZ
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:
STELLAR RECOVERY INC is trying to recollect a debt that has already been paid. STELLAR RECOVERY INC has been notified the debt has been paid in full but continues to try to collect and report it on my credit report. The debt was paid to XXXX and removed from my credit report XXXX XXXX 2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: Immediate Credit Recovery
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
This agency Immediate Credit Recovery is falsely reporting on my student loans and causing me to stay into default because they will not release the LVC and they are reporting that I am being garnished and I am unemployed with no income and trying to consolidate muy loans and they are denying that process to take place. Please recall my account from this agency as they are not properly servicing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I work in the XXXX XXXX it was affected by Covid-19. I went from working full-time hours w/ monthly bonuses to part-time hours with no bonus, almost a 50 % decrease in income. I have been in forbearance, but was informed that this is no longer available. I asked about lowering the payment, but they could only lower the payment about {$34.00} using an extended borrowers repayment program, extending my loan repayment terms to 35 years. The monthly payment would be & XXXX. They then offered a rate reduction modification program that would lower my payment to {$490.00}, so only a few dollars less than the previous option. 

The rep, XXXX informed me that if I wanted to crate my own payment amount l, it requires me to provide Navient with an itemized list of all of my monthly expenses, and that it would require manager approval. She stated that manager approval options are slim.

She then resulted to telling me that they dont report to the credit bureaus until after three months of non payment, so I wanted to wait and figure it out I could. That was disheartening to hear, especially knowing that they would continue to call my phone asking for payment and not provide any options for three months. 

I also emailed Navient in the online portal and I received a message to call. 

The most that could offer in repayment is around {$150.00}, and that only of overtime hours are offered at my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Chime Financial Inc
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had a purchase through Chime debit card that turned out to be a fake website with no working email and no support contact. I reported to Chime right away that my card had been used for a fraudulent transaction. They took absolutely no action to secure my account, so after many ignored chat messages to their customer service, I finally closed my account. Then, because I transferred my money to a secure bank, and thought I had overdraft protection ( evidently just card transactions ). My ACH debit was returned and I had to pay a {$40.00} fee because Chime is too incompetent to issue a new card in a fraud case.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Freedom Mortgage has paid my XX/XX/2014 XXXX XXXX Property Taxes when they had already been paid by the title company. I have been working with them since mid XXXX to get the money back into my escrow account and they inform me they have request a refund from the tax bureau and the tax bureau has never received any thing from Freedom Mortgage. I have asked Freedom Mortgage for a copy of the refund request form but they have never provided me with oe. The amount of taxes paid by Freedom that needs to be placed back into my escrow account is {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Nationwide Recovery Systems, Ltd
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
First and foremost, the debt collector reached me using a spoofed or fake phone number. 
Secondly, this is a medical collection and they contacted me with details of my XXXX  visit. 
Lastly, I have asked repeatedly for their full company name and mailing address and for verification in writing of the validity of the debt in which they fail to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
For the last three months I have called Experian to cancel my membership. I call each day I am notified of payment being taken and every time I am told its been cancelled however the following month they bill me again. Today was my third time calling to fix 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