BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a cash deposit on XX/XX/30 and the ATM went out of service during the deposit. The machine kicked my card back out but not my {$120.00}. I immediately filed a claim with their customer service and have heard nothing yet. There is no reason for it to take this long. I called customer service again on XXXX and after waiting in the queue for 30 min. they could tell me nothing but in process then transferred me to the claims department who never answered my call. I sent the same information as above to their XXXX XXXX and they responded with the following : Hi XXXX, thank you for reaching out. We're sorry to see the ATM malfunctioned and did not deposit your funds like anticipated. Our ATM dispute claims can take 10 business days to complete from the time of filing. For more information about the claims process please contact our 24 Hour Customer Service team at XXXX. Kindly, XXXX You can't tell me that they don't balance the ATM 's daily. Again, there is no reason for it to take this long to credit my account with my {$120.00}. I want my money now!!!

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 2019-12-06
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: Information belongs to someone else

Complaint:
The three credit reporting agencies which are XXXX, XXXX, & Equifax have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, XXXX, & Equifax ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The three credit reporting agencies which are Transunion, XXXX, & XXXX have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, Transunion, & XXXX   ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.

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 2017-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
XXXXXXXXXXXX is my email XXXX XXXX is my name TU took money off my card and I do n't know anything about it and I need help with 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 monetary relief
Consumer complaint received 2019-12-06
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To whom it may concern ; I am extremely disappointed in the service I have received from XXXX XXXX at Lakeview Loan Servicing LLC -subservicing by XXXX . From his lack luster responses, attitude and basically threatening to remove my refi application just because I asked to talk to a supervisor about a better rate since the Fed had cut the rate and I am getting offers in the mail that are much better and sent him a screen shot of one of these offers over the mail. The fact that he refused to transfer me to a supervisor, threaten to remove and probably did my application, and offered a way over 4 rate, when the rates are at 3+ %, makes me believe this institution maybe conducting in a predatory lender way and should be investigated. Please help. I am an existing customer and the loan in question is Loan Number : XXXX. 

The service office and name of the threat making rep that was handling my refinance : XXXX XXXX Mortgage Loan Originator,  NMLS # XXXX Any help is appreciated. 

 Thank you! 

 Best regards, 
 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 2015-04-24
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I fell behind on my car payments due to medical reasons. I contacted Ally to setup payment arrangements and spoke to XXXX on Wednesday XXXX/XXXX/XX/XX/2015 with the XXXX payment to be made on Friday XXXX/XXXX/XX/XX/2015 XXXX assured me as long as I made the payments my car would not be repo 'd. On Friday XXXX/XXXXXX/XX/2015 my car was gone. I call and spoke with XXXX and several other who would not help me or give me any information. I contacted the redemption center on Monday XXXX/XXXXXX/XX/2015 and spoke to XXXX who quoted me {$2000.00} to redeem vehicle by XXXX XXXX, XX/XX/2015. I contact the redemption center on XXXX/XXXX/XX/XX/XXXX to get the XXXX information to make the payment necessary and I was told I needed to pay over {$7000.00}. They stated this was to close my loan out and that was the only way I will get my vehicle back. I spoke to several people that would not help me, they would not give me a copy of my contract or any payment history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX which sxuppously own the debt now, buying my account to Synchrony bank for pennies of the dollars wants to charge me XXXX in the middle of this pandemic situation which Ive been affected and sent my account to a lawyer named XXXX XXXX in New York located at XXXX XXXX XXXX XXXX .XXXX  XXXX .XXXX  WI XXXX toll free XXXX XXXX XXXX/e mail XXXX .please stops this people during this hard time Dont even know at this point if this lawyer is allowed to collect in florida

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 2019-12-06
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have had several problems with CitiBank calling me after I have asked them not to contact me by telephone and yet they continue to do so. No lawsuits are currently filed on this matter as of yet. Attached is a screenshot of the Caller ID from CitiBank ( XX/XX/2019 Call ). The same telephone number matches the number that is in their Terms And Conditions. They called me using an automated dialing system and they recorded my telephone call as well.

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 2017-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XX/XX/XXXX my credit institution ( XXXX via XXXX ) sent me my credit score ( XXXX ), which was much lower than in the past, indicating I should check my account for fraud. On XXXX I ran my credit report and saw XXXX # XXXX ( XXXX ) listed with Balance {$4900.00}, Original Creditor : XXXX ( XXXX ), Placed for collection : XX/XX/XXXX I called the collections agency who said they had called and spoken to a " XXXX '' on XX/XX/XXXX regarding the account being in collections. I did not receive this call and this is not my account. The collections agency reported the acct is in my name and same last XXXX digits of soc sec # but a different st address. I called XXXX and reported fraud/identity theft and a fraud claim was started ( ref. # XXXX ). I also submitted an identity theft claim to Transunion XXXX file # XXXX XXXX and Equifax online. I then called and reported this to XXXX. ( case # XXXX ). This is not my XXXX account that was sent to collections at XXXX. This is identity theft/fraud. I am requesting it be removed from my credit report and my credit score be re-set to what it was prior to this incident.

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 2019-12-06
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 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 2016-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Approximately 1 1/2 years ago I submitted proof that I have no tax liens against me by suppling Fed tax lien release docs to all three reporting agencies. I also dispute any claims that I have unpaid or delinquent medical bills. There is nothing else that I am late with. I se3nt the letters by certified mail and to date, I have never heard from any of them. I will attach the docs that show the tax releases. I hope you can help me, as I am sure you are aware that it is very difficult to get any response from these agencies. 
Thank you for your help 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 2019-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Identity theft by an employee in the creation of a counterfeit document, in an attempt to use in the legal system to deprive the consumer through fraud. It is a federal crime when a person " knowingly transfers or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law. '' In which personal information from my account and that of another, was used to create the counterfeit document.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Equifax mortgage services inquiry on XX/XX/XXXX XXXX XXXX XXXX card services inquiry on XX/XX/XXXX XXXX XXXX  inquiry on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To whom it may concern, I recently asked you to verify information contained in my credit file in which I have provided proof that the method you used to allegedly verify this item was invalid. 
Item in question : Bankruptcy- XXXX I sent you notice that your process was not valid due to me going directly to the BANKRUPTCY COURT and them not being able to verify the item ( SEE ATTACHED LETTER FROM THE BANKRUPTCY COURT ). You then replied and stated it was still verified without sending me any documentation or proof of an actual investigation. 
I know per the FCRA I have to give you 30 days to correct a known mistake within my credit file and at this point you have been granted that time, this is a formal notification that I plan on filing a complaint with the CFPB, and XXXX against your company is this bankruptcy is not deleted from my credit report IMMEDIATELY! 
This is my last warning. 
Please delete this unverified information as you may have mix/merged my credit file. 
Best regards, XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Aargon Agency, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Aargon Agency Inc of XXXX XXXX, NV XXXX has placed an account from XXXX XXXX XXXX Hospital in collections and on my credit report without providing me with written notice of the debtor 's right to dispute or of the account in general.

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 2020-04-11
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I called on XXXX XXXX, to find out how to make my loan in good standing. I was told the monthly payment was {$96.00} per month and the amount to pay to make in good standing was {$2300.00}. This payment was 585 days past due. I received my tax refund in late XX/XX/XXXX and was ready to pay my loan. When going to payoff this past due amount, I saw online that I owed close to {$3000.00}. I had to make another call in XXXX XXXX to figure this out. I was told that my monthly payment was now {$200.00}. And the payment due was {$2500.00} to bring the account out of default. Now we're in COVID-19 season, and I have been communicating with them via email. During the email, I was told my payment plan of {$96.00} ended on XX/XX/XXXX, and reverted to {$200.00}. Why then on XX/XX/XXXX, was I told that it was {$96.00}? Instead of being current 2 months ago, I have been going back and forth with HHLOANS to figure out and understand what has been going on. This has also been affecting my credit score. I never received communication that my monthly payment of {$96.00} was changing. I never received a notification to recertify my payments to keep my payment low. On 2 instances, I got 2 different forms of information. And only when I had to reach out did I get clarification. Also, I paid the original amount of {$2500.00} on XX/XX/XXXX to bring my account out of default, and paid {$96.00} on XXXX. I still owe an additonal {$750.00} to make my account current. That is a major jump and difference to someone eligble to be on a payment plan of {$96.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: UHG, LLC
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX contacted my mother, and disclosed that they were a debt collector, how much I owed on the outstanding loan, when it was taken out, and how much I needed to pay to settle or pay off the loan. In addition they stated that if I was not to pay the loan by XXXX  the next day they would take out warrants for my arrest due to breach of contract, and fraud. They then proceeded to forward an e-mail to my mother with a document attached for a settlement offer to sign stating that it was to me and that they had a conversation with me related to settling the 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 explanation
Consumer complaint received 2015-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am currently experiencing extreme difficulty with the credit bureaus. XXXX, XXXX, and Transunion are all reporting my XXXX Accounts as a revolving debt. The definition of revolving debt is- Revolving debt is debt that typically has a variable interest rate, an open-ended term and payments that are based on a percentage of the balance. Revolving debt has a pre-determined limit, agreed upon by the lender and borrower. 
Revolving debt is the kind of debt that credit cards offer and is usually an easy way to get credit. It can be a useful tool when used with discipline. This is damaging my score and affecting my lively hood. My revolving accounts such as XXXX XXXX Credit Card, XXXX, and XXXX XXXX are all in good standing. I have been paying about XXXX-XXXX % of my balance charged every single month. My credit score should be much high than it is. The credit reporting agencies are in direct violation of The Fair Credit Reporting Act where it states, '' Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate ''. XXXX account number XXXX, XXXX and XXXX should be reporting as UTILITY not revolving. XXXX acct number XXXX should have a XXXX balance and account number XXXX should have a balance of {$160.00} not {$380.00} reported. Due to the erroneous reporting since XXXX 2014, my credit score has suffered tremendously. Revolving accounts reporting as past due or late can damage a consumer 's credit report and in this case I have suffered severely.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: Meridian Financial Services, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We had an account for a Timeshare we had purchased. Which later went into default. But the company that was handling their debt collection, Meridian Financial Services filed a negative report on my credit for the debt 5 1/2 years ago, since that time, they have filed additional negative reports using different account numbers filed 3.5 years ago and again 1.5 years ago. I have tried to inform the credit bureaus, but every time they said they checked with Meridian Financial and they claimed it was accurate. But I only had 1 account, and now have 6 negatives from them for the same account, which they have used a different account number for each. And each month, they continue to report all 6 negative credit reports, And no one seems to be able to get this fraud by this company corrected.

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 2019-12-06
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX card services inquiry on XX/XX/XXXX Regions bank inquiry on XX/XX/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 2015-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have been a XXXX resident since 2006. As a result of a mortgage interest statement, the state of XXXX determined that I must have earned XXXX. revenue. My accountant and I responded and the state determined that no other action was required. However, a lien was already placed on me and I can not get it removed. Included is all of my documentation. I have divorce documents showing ex wife 's ownership of home in question.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief