BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The Credit Report Bureaus ( XXXX, XXXX, Transunion ) has decided that as of XX/XX/2016 that student loans from the Department of Education, should be reported in a way that negatively affects consumers that are under the IBR plan, PAYE, REPAYE, ICR.. As it is known our government has made efforts to facilitate low income citizens to be able to repay their loans. As we all know All Student Loans accrue compounding interest. For re-payers that falls into the above repayment agreements with the Department of Education, the original loan amount, will be lower than the current balance ( this could potentially change only if the holder of the note experiences a leap change in their financial situation ). 
The decision of Transunion, XXXX and XXXX to impose ( servicers like XXXX XXXX, etc.. ), to report " High Limits '' lower than the " Balance Amount '', impacted that my credit score - and I assure others as well- to decrease credit scores to a mounting XXXX to XXXX credit points. 
This means that lower income Americans are doubled affected by the decision made by this private institutions. The effect is represented as " overuse of credit '', " credit decrease '', " percentage of credit use '', that DOES eliminate opportunities for Americans to stay ahead of the most basic financial situation, like obtaining appropriate rent agreements, or car loan with affordable interest rates, car insurance, etc. In other words, for those that even graduating, with the expectation of achieving the " American Dream '', and fell into the cracks of the longer recession ever in the country, where not appropriate and decent paying jobs are available, their future is even more uncertain. 
My main question is : How is it possible that private institutions will diminish the effort of the Department of Education to help lower income payers? How could they get away with such abusive measurement? 
Let make myself clear, I am not arguing the fact that reporting should not happened, I think payments amounts, terms and late payments if any and so forth are " ok ''. That falls into the personal responsibility of the loan holder. But if even the holders of the student loans take the effort to not be in default with the Department of Education by enrolling in this other programs, why are they punished by PRIVATE organizations? 
I am speaking on behalf of myself and for the others that may have not realized yet the impact of this decision. 
I possess all proves of my complaint. I do not only demand a personal answer but a public acknowledgment of this issue. I will be willing to share my experience at a Congressional Hearing as well as I would like the CEO 's of these XXXX private credit reporting " agencies '' to provide a solution to their decision. 
I could be reached at 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 explanation
Consumer complaint received 2016-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion has not removed a fraudulent XXXX account from my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2020-06-12
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$150000.00} XXXX XXXX XXXX XXXX XXXX {$28000.00} US DEP ED XXXX {$3900.00} XXXX XXXX XXXX {$1000.00} XXXX   XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter 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 2016-08-11
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a second mortgage with Ocwen Loan Servicing. After an principle payment online in XXXX 2016. Ocwen has since then inaccurately given variations in principle balances and fees. Online and paper statements have been confusing. After waiting 3 weeks to speak with personal relationship manager, no adequate response and was given another appointment was given to have them research it. I have been current on my payments to Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have recently checked my credit report with XXXX XXXX, and XXXX  and discovered that BMW Financial Services reported 30, 60, 90 days past due as of XXXX, XXXX, and XX/XX/2019. My credit report 's true and accurate creditworthiness has been damaged by BMW 's wrong reporting. I never had a single 30 days late payment on my BMW account since I leased my car. I've tried to resolve this issue many times in the last 8 months but BMW Financial Services does not act accordingly. I called BMW Financial Services and talked to different representatives who have verified that my account has never been late for 30 days. I've officially asked from BMW Financial Services to provide me with any kind of letter stating that I was never late on this account for the  months of XXXX, XXXX, and XXXX of 2019. I also asked to report that information to the credit bureau agencies : XXXX XXXX, and XXXX. But BMW Financial Services refused to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
They are claiming that they mailed me a letter saying they were going to repossess my car. I never received a letter. They also say that I told them to put my number on the do not call list which is not true but that was their excuse for why they didn't call me once leave me a single voicemail. It is the middle of a pandemic I suffer from XXXX XXXX my medication was in that car all the masks that I need was in that car I can't even walk to the grocery store right now because I don't have a mask how is it that during a pandemic they have the right to take my car without calling me once like I said don't claim they mailed it to me but that does not prove that the letter ever got to my mailbox that is a fact They repossessed my car without even notifying me once here 's the kicker I'm now paying {$500.00} to get it back plus paying the loan off because not having money was not an issue I only Mr. XXXX it because I thought I made one apparently I didn't so they didn't even notify me I had money the entire time the loan is now paid off in full I am waiting for them to release it and do all the nonsense involved with getting my car back but I would like to take civil action against this company and recover the {$500.00} that they are trying to charge me after taking my car without notifying me. Wilshire consumer credit is corrupt. Unprofessional and since they didnt notify Me that means they did not repossess my car they actually stole it!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: U.S. BANCORP
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mother-in-law passed away and I was ordered by the court to be the administrator of her estate. The mortgage company, US Bank, had no system in place for dealing with this situation. At the time of her death, the mortgage was upside-down- mortgage for XXXX and house value of XXXX. I attempted to get the bank to agree to a short sale, but they would n't agree to a short sale without an offer to purchase the house. We eventually got an offer of XXXX and attempted to get the short sale approved. The bank refused to even process the paperwork for the short sale because we " had not signed the form. '' The problem is that this form said among other things, that the signer agreed to accept responsibility for repayment of the loan. I signed the form as my mother-in-law 's name with my name undersigned as the administrator of her estate. They would not accept this. One representative told me on the phone that they would not accept the form unless I signed it with my name and my name only as the borrower on the loan! I refused. At this point, the estate was declared insolvent by the state court and closed. Even after the estate was closed and the property surrendered to the bank, representatives continued to call and send bills to my house attempting to collect mortgage payments, in direct violation of the court order!

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 2016-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I submitted my identity theft FTC affidavit along with dispute letters stating the Section 605 of the FCRA. TransUnion sent me this letter stating they ca n't do anything right now. They are required to comply with my Identity theft block within a week when a police report is submitted in addition to the identity theft block dispute letters notarized. I 've been a victim, and they are choosing not to do their job per the FCRA. I 've attached a photo of the letter they sent 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 2015-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion is incorrectly reporting my XXXX XXXX XXXX account as late ; charged off. This account is PAID IN FULL. The reporting was correct and was recently erroneously changed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Harris & Harris, Ltd.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Over the past several months, a company identifying itself as Harris & Harris, of XXXX, IL, has been calling me repeatedly, sometimes twice a day, leaving messages indicating I need to call them about a debt. I have called them back on at least 5 occasions to determine the nature of the calls, and they always say they have no record of my number, or my name, and they will immediately remove me from any further action by them. The very next day, or sometimes that same day, I'll get another call with the same message on my voicemail. This is harassment, and i have requested they cease calling me, but they have not acted on my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: EQUIFAX, INC.
State: CA
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:
Equifax refuses to acknowledge that I have Fraudulent inquires on my report even after disputes they refuse to remove. I have included fraud reports and they have left inquires such as XXXX XXXX XX/XX/2019 XX/XX/2019 XXXX  XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 These inquires need to be removed under the FCRA identity theft terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-11
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had purchased concert tickets and then discovered that the website was unofficial. I then informed my previous bank of what had occurred, and they had filed it as creditable. After showing them proof that it was not fraud, I opted to delete my account with them, but they continue to send me paperwork that I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: Ability Recovery Services, LLC
State: NV
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I withdrew from XXXX University in late XX/XX/XXXX/early XX/XX/XXXX ( see  attached ) due to misrepresentation on the part of the University regarding cost and attendance at residencies. I submitted the withdrawal form requesting any further contact from them be via my personal email, home address and/or home phone. I never heard from them. 

At the end of XX/XX/XXXX I received a letter from Ability Recovery Services stating they had been retained by XXXX University to collect a debt of {$4500.00} and that I had 30 days to dispute the claim. I sent a letter ( see attached ) return receipt requested ( see attached ) requesting information. I never received a response. At the end of XX/XX/XXXX I sent another letter ( see attached ) also return receipt requested XXXX see attached ) stating since they had not furnished the requested materials to not contact me. On XX/XX/XXXX, I received a 10-day letter from Ability stating they were going to " commence the collection process ''. Additionally, I have received two calls from a XXXX XXXX at Ability, which I have not returned as they did not furnish the documentation requested regarding the debt allegedly owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX Account ending in XXXX Was an old account. They got paid due to an agreement. I was told they would remove the account t from my report from all three report agencies. I sent 3 disputes so far and they refuse to take it off. As well as showing paid late for the year we settled when I never was late. Now this is showing up as a new derogatory remark and late payment starting last year. Its not right and effecting my credit report and score to future investments. Please assist.

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 2016-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Credit Reports sent to potential creditors list SERIOUS DELINQUENCY. 
I have reports dating back XXXX7 years and there is no serious delinquency listed. 
I did try to call the reporting agencies, but they said there was no delinquency to dispute so nothing they could do.

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 2016-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I pulled my credit XXXX, I noticed that I had inquires that I did not authorized at all. I have called, fax and sent certified letters as well to TranUnion and have gotten nowhere with them. I have agreed to put fraud alert on my credit, they still give me the run around. They just do n't care about anything, I told them my credit means everything to me and I want those inquires removed. They told me they will not remove them. I need your help because I value my credit and need it to survive because everything in life is credit driven. I just re- pulled my reports today and nothing has changed on my credit reports. 

Sincerely,

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 2016-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I received an email stating the investigation is complete ; however, when signing into the site I am prompted with the message : Error : XXXX-Your access to the TransUnion Online Investigation Service has expired. If you believe that information contained in your TransUnion Personal Credit Report is inaccurate and would like to request investigation or change of information, please visit www.transunion.com to learn how to submit your request by mail or by phone.

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 2015-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I noticed that a credit card company reported my account on my credit report, even though I am only an authorized user. This is a violation of the FCRA and I respectfully request that you remove this listing immediately. 

According to section 603 of the FCRA, only information on credit issued to a consumer is allowed. If you are an authorized user, you do not fall under these categories, you are not responsible for the debt and did not receive credit. An authorized user does n't have credit on this account and it 's only the signor that is responsible. So, in essence, if an account on which you are an authorized user shows up on your report, it would be someone else 's credit ( the signor on the account ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I never received my XX/XX/2018escrow refund, even though Atlantic Bay claims they gave it to me. This amount is {$510.00}. This check needs to be reissued, since my escrow account falsely shows this check to have been deposited, when in fact it was not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-11
Company: MoneyLion Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On XX/XX/XXXX MoneyLion withdrew {$9.00} for membership fee. 
On XX/XX/XXXX MoneyLion w/drew {$44.00} for loan repayment amount. 
On XX/XX/XXXX XXXX w/drew {$310.00} for instacash repayment. 

This was AFTER I had advised in advance I lost my job the month before & cud not cover these charges. 

My bank XXXX charged {$34.00} for each of the 3 overdrafts. MoneyLion promised to deposit funds within 3-5 days on XX/XX/XXXX. Several emails later theyve asked me twice to verify my bank account & identity. Theyre wasting my time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-05
Company: Capital Management Services, LP
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and have been a victim of identity theft for over 30 years. I been receiving harassing phone calls and death threats from Capital Management Service, LP representatives regarding a fraudulent and unauthorized credit card account/debt that do n't belong to me. The following account is fraudulent and unauthorized : XXXX XXXX, Account Number : XXXX

Company response to consumer: Closed with explanation