BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I went to Cars Now to purchase a vehicle through a loan through them. I ended up getting a suv. They had me get all their warranties that added up to {$1500.00}. So if anything happened to the car it would be covered. They also told me that if I wrecked they would give me a car that was the same value as my car and put what I have already paid towards the new car. I was already paying way more than the car was worth on top of the warranties. I paid my monthly payment on time always until the car kept breaking down. The socks were bad. The tie almost feel off. The rods that connect the wheels almost fell off. The fuel pump went out. The gas gauge did n't work. I put so much money into that car and was furious that the warranty they told me to have in case things happen did n't cover any thing. When the drive shaft went out and I found out how much it would be I told them to come get the car that it 's not safe. That All these inspections should of been done before selling it to me and they lied about the warranty. They would n't come get the car so we dropped it off to them. They contacted me on XXXX messenger which I thought was totally unprofessional. They dad my car on the lot to be sold not even a month later. In fact they sold it for the same price they sold it to me for. I never got a letter stating it was sold or for how much. They ripped me off. I did n't even know they had a collection against me till I checked my credit report. I disputed it to the credit bureau it now says paid but still says charge off. Not to mention the impact it has done to my credit. They said they could help my credit lies. They just find people with little or no credit or bad credit and after y then over with card that break down overcharging with promises that your credit will improve.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Receivables Management Partners, LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
RMP LLC is violating my rights as the consumer and hindering my reputation. THis third party has illegally bought my information by never contacting me the original creditor of this resell nor identifying me as the consumer according to 1681e ( 2 ) and 1692g notice of debt within five days. This company never received my HIPPA release to be able to collect on this alleged debt. nor to go after veteran medical information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion did investigate, but they still are reporting XXXX late payments on my XXXX XXXX XXXX XXXX Account. These late pays are a mistake and I have the letter from the company stating such. I need this removed from all of my credit reports as I paid on time as agreed. Thanks so much for your help!

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 2016-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I am a victim of the TransUnion Inquiry Issue and when I called the TransUnion ( XXXX ) the customer service representative would not help and take care of the negative inquiries reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Experian Information Solutions Inc.
State: MT
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:
In XXXX of XXXX XXXX  third party payment processor failed to resubmit my payment. This caused my payment to be made 29 days late as I had to manually force the payment. It processed a day later. XXXX admitted this in a recorded phone call XX/XX/XXXX at XXXX hours via XXXX XXXX. Now they're lying saying they changed their policy to not pull payments but never told any customers. They are omitting why my payment was late and refusing to remove the 31 day late which is DESTROYING my credit and closing my wife 's accounts. By federal law the truth must be told. I'm suing.

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 2016-12-12
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently reviewed my credit reports and I have found several accounts from this debt collector that they say belong to me. Under the Fair Credit Reporting Act, 15 U.S.C & 1681g I have the right to demand that documents be disclosed to me verifying accurate information with my signatures. I am also allowed under the XXXX law to protect my privacy and medical records from third parties.. I have sent numerous requests to delete this misinformation from my credit reports and no response from this company ... I would really like this resolved and all misinformation deleted from my credit profiles please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: Experian Information Solutions Inc.
State: TX
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:
Im XX/XX/XXXXAND XX/XX/XXXXoff XX/XX/XXXXI am being reported as missed payments resulting in negative credit drop I have nicely tried to dispute this multiple times Directly with the XXXX XXXX, then I have tried to dispute with the credit bureaus, if XXXX XXXX truly records phone conversations they can go back and reflect on the fact that we had total job loss due to Covid, during Covid no company is supposed to report negative credit, the payments were made and caught up, also XXXX XXXX Has been directly debiting automatic payments from my bank account ever since I got another job, ( I can prove this ) and as of today XXXX XXXX has reported that I am late on those payments as well, according to the drop in my score again. Due to the illegal practices of reporting negativity during Covid and MY job loss I would request that once and for all XXXX XXXX delete ALL negative reporting to all three credit bureaus. This is illegal practicing and when I do call, most of the people you speak with do not know what they are talking about or false information, again if they have recorded phone calls they can go back and reflect on those and see that when I called and the individual I spoke with assured me there would be no negative reporting during my job loss and covid which is actually still happening.

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 2017-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Since XX/XX/XXXX I have filed the same complaint XXXX times with TransUnion. In all occasions, the issue is that the " High Balance '' shown appears higher than the " Credit Limit '' shown below it. In each or the complaints, the " Credit Limit '' was shown lower than what it was at the time of the " High Balance '' making it appear as though I over-extended my credit, which was NOT the case. In each incident, the credit limit was later lowered, but never lower than the current high balance. In XX/XX/XXXX, when I reported this issue for the XXXX time, I enclosed the same pages I will be including in this complaint. In this XXXX complaint, the report states that XXXX of the issues were resolved, and XXXX were confirmed. There was no resolution to the first XXXX, and the other XXXX are both from XXXX Bank, and they have NO RECORD OF EITHER OF THESE ACCOUNTS, OR MY S.S. NUMBER. I have no idea how their information is confirmed, particularly with the evidence I enclosed. 
Also ... I noticed on this report a collection for XXXX just re-appeared. This was disputed at every level, and it was confirmed that this collection is not valid. This has JUST appeared this month on my report, between the XXXX and XXXX repeated complaint on the above mentioned issues. Please include this new ( yet, reoccurring ) issue in my complaint. 
Over the past 14 months, I was denied credit multiple times citing this exact reason for their decision. Over the course of that time, this has caused numerous financial issues, the total damages of which continue to grow. 
I believe the pages I am uploading with this complaint are overwhelmingly clear. In EACH occasion, they are the statements from the time of the " High Balance '', and ALL of them are showing a HIGHER " Credit Limit '' than what is reported. This method of reporting the current " Credit Limit '' below the " High Balance '' when the high balance ( In all my cases at least ) occurred when there was a higher credit limit available. 
The enclosed file, " re re redispute '' describes the Exhibits enclosed, and was sent to TransUnion in the XXXX complaint on these issues. 
PLEASE DO NOT INCLUDE EXHIBITS IN THE PUBLICATION OF THIS COMPLAINT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a Lowes Credit Card Holder since 2005. I have never missed a payment and my credit is outstanding. I have been a loyal customer for all these years and this is what I get in return from a Bank ( Synchrony ) I trusted to care about my needs as a consumer. How hurtful that is to know that I am not being treated like I should. They gave me an option when opening the card that I could add an authorize user if needed. Because I added authorize users Synchrony bank should not have closed my account. If I am assuming all responsibilities of this card, then it should not have been an issue. If you didnt want me adding authorized users, then I shouldnt have been given the option. I feel I have been treated unfairly and discriminated against. There was no reason to close my account, however you did so for a reason that I disagree with. I am sure that I am not the only Lowes credit card member who added users to their accounts, and they still have their account open. They could not find any reason to close my account so they came up with this. They are trying to ruin my outstanding credit and limit 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 monetary relief
Consumer complaint received 2015-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX is not reporting the right information to the XXXX credit bureaus for my account. 
1 ) I had a charge off years ago, XXXX 2011. 
2 ) XXXX and I came up with a payment arrangemet at {$50.00} per month. 
3 ) I have made consistently paid monthly payments for over 4 years. 
4 ) I have requested a number of times for this to be taken off my report. 
5 ) What 's not being reported is the timely monthly payment agreement I made with XXXX during the past 4 years, this is not FCRA-Fair Credit Reporting ... this is false and not 100 % true reporting. Can some one at the CFPB please help me resolve this matter? 

XXXX XXXX XXXX XXXX XXXX. 
XXXX Ct. XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX, Portfolio Recovery Services sent a notice about a debt. I mailed a certified letter on XX/XX/XXXX requesting the agency stop calling me about this debt as I have been disputing it as it is the result of identity theft. 

This company continues to call me as most recently on Saturday, XX/XX/XXXX, and basically daily - multiple times per day - so this communication is now harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-08
Company: Experian Information Solutions Inc.
State: TX
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:
Experian, XXXX and XXXX continue to report inaccurate/false information to my credit report and causing me tremendous stress! They are not investigating as per FCRA guidelines!

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 2021-08-09
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
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:
XX/XX/XXXX-Pentagon Federal Credit Union ( PenFed ) mortgage went into COVID Forbearance XX/XX/XXXX-I applied for a refinance with PenFed since the rates were low. 

XX/XX/XXXX-PenFed denied my refinance application because the loan was in forbearance despite the fact that the loan was in forbearance when I started the refinance process. So I resumed paying my monthly mortgage payments and have been making monthly payments consistently since XX/XX/XXXX. 

XX/XX/XXXX-PenFed reported my loan as delinquent/overdue by 120+ days to XXXX  and XXXX  despite the fact that I have never, ever paid my mortgage late. 

XX/XX/XXXX-I contacted PenFed to ask them to remove this inaccurate information from my XXXX  and XXXX  credit reports. 

XX/XX/XXXX-the information is still listed as delinquent/overdue on both XXXX  and XXXX  credit reports.

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 2017-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted Transunion numerous of times for the past month about unauthorized inquiries on my credit report. The first call I made the representative told me to contact those particular companies and dispute w/ them and she, the representative, will place a fraud alert on my profile. I have contacted those companies by phone and letters, sent certified mail, several of time. A couple of those companies told me to contact the credit bureau that its reporting on, which is TransUnion, and disputed with them. I have gone back and forth with trans union and the companies to resolve the issue and neither one is taking my dispute and request for removal of inquires that was n't authorized after several disputes, phone calls, and certified letters.

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 2021-08-08
Company: EQUIFAX, INC.
State: DE
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:
These accounts are reporting inaccurately on my credit reports, Ive tried to speak with the creditors directly & they have not removed this information from my credit can you please assist me with getting these inaccurately reporting accounts removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not my Account and is fraudulent. 
Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount -

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 2015-12-18
Company: ALLY FINANCIAL INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
We have XXXX auto loans with Ally fin. XXXX is perfect XXXX is total disaster. We bought XX/XX/XXXX and paid auto pay on both every month in XX/XX/XXXX loan XXXX 's auto payment was cancelled by Ally by mistake they never contacted me ( loan XXXX still perfect ) I got a letter saying we owed 2 months + late fees I paid over the phone one payment and was told I could resume auto pay once acct was current. I have continued to pay each month sometimes early and every month Ally says we are one payment behind because they apply my payment to the previous month and report it the the credit bureaus as missed payment ( not late but missed ) they have done this 8 times and now have ruined our credit. My husband and I have both tried numerous times to explain this and writing letters emails calling etc to fix this to no avail. My husband works for XXXX and they use Ally for most loans there and we have had such a devestating experience with them he has informed his bosses as to the trouble this has caused. I have all documentation supporting my payments and every month they do it again and again. I am unable to refinance my home because of them. I am considering getting an lawyer but do n't know where to go. My husband even offered to give them an additional payment if they fix our credit but we do n't trust them. If we pay them more how do we know they will really fix our credit score with regards to them. My husband is so upset that he has even considered telling them to just take the care back. Why would we do that though because we have made all of these payments. It does not make sense. We have XXXX car loans with them how can XXXX be perfect and XXXX be totally messed up? It is so frustrating and has really effected our life as we have XXXX kids and do n't make a lot of money and our only hope was to refinance our home as we have never been late in a payment and have good equity but our credit is low mostly because of Ally. Every time I call to speak with someone I am just treated like an XXXX and they just talk in circles and read from some script telling me how they understand and they are sorry and blah blah blah ... Oh and by the way when can we get that payment you owe? ughhhhhh!!!! I HATE ALLY!!!!! 
Please please help us. 
Thank you XXXX and XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
Chase bank raised my interest rate from XXXX to XXXX on my current balance for purchases and any future purchases without notice to me on XXXX/XXXX/16. I tried calling the company who first stated it was done after review of my credit rating. Yet, when I told them my credit rating was steadily improved over the years since I have no late charges or over-balance issues, they stated they could do it periodically without notice to me. I then discovered that they are applying my payments which are over the minimum to the lower interest balance transfer amount before the higher interest balance that they raised without notice to me, so they can get more money from me. I want to opt out of this change and be refunded all interest charged over the XXXX from XXXX/XXXX/16 and I will stop using the card and just pay off my balance. This is unfair for them to raise my interest rate with no reason and without notice to me. I would have been treated better if I was a delinquent borrower/consumer. I should have received notice to have the opportunity to opt out the change.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: JPMORGAN CHASE & CO.
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We rescinded a refinance loan with JP Morgan Chase Bank. Chase refuses to refund us our good faith fee for the appraisal. The money was pulled from my Chase Credit Card without my permission. I 've sent emails requesting a refund per the rescission guidelines but I am getting no responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Debt Recovery Solutions, LLC
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: Information belongs to someone else

Complaint:
There is a collection which is NOT mine, I do not owe on any medical for {$1300.00} please help me this is crazy

Company response to consumer: Closed with explanation