BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-15
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:
in accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX , has violated my rights including the following : 15 U.S.C 1681 section 602A. states that i have the right to privacy 15 U.S.C 1682 section 604A section 2 states that a consumer 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 2020-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Dear Sir or Madam ; I am a victim of Identity Theft. the Information Listed Below, which appears on my credit Report Does not relate to any transactions that I have made.it is the result of Identity theft. Please Block this Information from my credit Report pursuant to section 605B of the fair credit Reporting Act and send the Required notifications to all Furnisher of this information. Enclosed are the following ; XXXX XXXX state of Maryland ; XXXX filling XXXX XX/XX/2015 2015

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 2016-02-13
Company: CL Holdings LLC
State: FL
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:
XXXX sold the debt to Jefferson Capital, and after selling it XXXX realized that the debt was an error and they sent me a letter stating the balance was deleted. ( letter attached ). And they also said they would take care of any third party vendors. Yet, even though XXXX did notify them, Jefferson Capital is still sending me a bill. I sent a copy of the XXXX letter to Jefferson Capital as proof I do not owe the bill, and they still are not removing it off my credit report. I am sending you all of the communication that I have thus far.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a eviction/ judgment on my credit report. I was living with my mother when she was evicted from the property, I never signed the lease. When she received her keys at lease signing I was not there I was only a occupant living with her mother at the time. I have a XXXX yr old and are struggling to find a apartment because of the eviction on my credit report I am asking for help to have it removed. I never had a apartment of my own

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Colony Brands, Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed the account multiple times and they keep saying that's is an accurate account. I have never opened any kind of account like that or ever signed anything thru or for this account. I have absolutely no/any kind of knowledge of what the account is even for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I have never requested a fraud alert and made several attempts in attempting to get the fraud alert removed. I wrote one credit bureau about a balance discrepancy and the next thing I knew I got a letter that one credit bureau would take it upon them selves and notify the other XXXX national credit bureaus about a fraud alert to be placed on my credit reports I then wrote in with all my personal information and the only response I can get is the fraud alert has been extended. I did not request any fraud alert and now I have been discriminated against over an active credit card account with no card because the card is worn out.My privacy rights were violated and discriminated against when I was denied a new card over a fraud alert that I never requested. If someone thought that I had requested a fraud alert then the credit bureau should have contacted me in writing the consumer to confirm that I had requested a fraud alert, next how do they get a fraud alert out of a balance discrepancy, and last nobody got my permission about placing any fraud alert on my credit reports. My privacy has been invaded and I do n't know what to do to be compensated but I again contacted the bank that wont give me a new card and they still claim that the fraud alert has to be removed from file before the card can be issued so also that is called discrimination. what is the verification process for if they are going to deny me over a fraud alert.

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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my 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 non-monetary relief
Consumer complaint received 2022-02-25
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a CP2000 from the IRS indicating I had received a 1099C cancellation of debt from Citibank in the amount of {$20000.00}. Ive called Citibank, they have no record of my SS # or the account listed by the IRS. 

I called Citibank on XX/XX/202XXXX 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 2022-10-11
Company: EQUIFAX, INC.
State: CA
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. I have talked to the bank and they agreed to REPAIR the account in my file. So what's happening there at Equifax? If Equifax failed to comply with the condition and continues the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon as possible : XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Several months ago I went to their web portal to change the bank associated with auto pay. Despite making the changes they continue to use an old bank account -- as a result I have been charged overdraft fees. Today I called to try to get help, but all three customer service representatives blamed user error, despite me being able to see that their system did in fact show that the account I wanted the funds to be taken from was in fact the correct account. After I pointed this out they still blamed user error and suggested I do several things. I asked multiple times that they make the changes on their end, but they claimed they could not see the account that I wanted to have the funds withdrawn from -- again, despite my being able to see it on their web site. Not once did they offer to reimburse me for the overdraft charges. I want and expect that somebody from Sallie Mae call to apologize and to reimburse me for the XXXX overdraft fees ( totaling {$75.00} ). I also believe they need to retrain their customer service reps on how to better handle this type of situation. Also they need to change their web site to better assist customers as they claim this is a common issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On the XXXX of XXXX Bank of America closed my account in error. I immediately called abd spoke to XXXX who was working in BoA compliance and was assured this was a bank error and would be fixed within 24 hours. The account opened again and then 12 hours later closed again. 

I rang again and talked to XXXX in BoA compliance ( XXXX ) who said that she would sort everything out as this was a bank error, and that no check had been issued on the closed account. She assured me that it would all be cleared ad back to normal by the XXXX of XXXX and to please wait until then. 

I did this. On the XXXX of XXXX I rang again and BoA told me that a check had been sent on the XXXX - to which I replied that I had been assured this would not happen nor would it be sent. The customer service representative said all she could do was put a stop on the check and to please wait for 7 days for it to clear. In the meantime I traveled to the US only to find that my funds were still not cleared. I went into a Bank of America branch in XXXX and they said there was n't anything they could do and I should call BoA again. 

Today now the XXXX of XXXX after spending 1 hour and 20 mins on the phone all the representatiives have told me that there is nothing that they can do as it was a cashiers check which has been sent to my XXXX address and that I either have to wait 90 days before they will credit me my money or post the check back to them which means I have to wait for another 3 weeks until I go back. 

So for the past 21 days I have not been able to access my own money of {$6700.00} and they have told me that I will not be able to access XXXX until I either send the check that they shouldnt have sent or another 90 days. 

As far as I am concerned this is completely unacceptable behavior for a bank when they made the error and should have immediately credited my funds back. So here I am visiting the US without access to any of my funds.

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 2020-09-29
Company: CITIBANK, N.A.
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 status incorrect

Complaint:
Accordingt to XXXX, In XX/XX/XXXX, I closed my CitiFinancial account with a XXXX balance. In XX/XX/XXXX CitiFinancial has me making four payments on this. In XXXX they show me making 12 more payments. In XXXX they have me showing over 180 days late and then the account shows closed. How and why would I make payments on an account that was already closed?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: MOHELA
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was n't able to pay a private student loan I got over ten years ago in Missouri ( MOHELA ). Eventually, a judgment was taken out against me. I have finally graduated from college and would be able to pay a reasonable amount per month, but the exorbitant attorney 's fees and 10 % interest on the judgment are keeping me from basically ever being able to pay off this loan. Also, the attorney will not give me information about how to pay electronically, is not agreeing to the payment arrangement I proposed, and now is trying to make my father pay -- he has even less money than I do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-08-30
Company: SCA Collections, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2020-09-29
Company: Experian Information Solutions 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:
Experian does not investigate disputes. They complete their " investigation '' within 24 hours. There is no number to talk with a representative. Their credit report includes NUMEROUS wrong names, wrong addresses for me, and in return false and inaccurate data. I have contacted them in regard to a dispute on my XXXX XXXX account which has been closed for many years. They do not fully investigate. They complete their investigations and does NOTHING to correct any mistakes or inaccuracies 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 2015-11-25
Company: ENCORE CAPITAL GROUP INC.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Several years ago Midland Credit Company sent me a dunning letter for a debt they purchased. I believe it was some old finance charges for a XXXX XXXX account I u sed to have. I had long since paid off XXXX XXXX and they agreed to settle for less the finace charges and late fees. My final payment did not get there in time to avoid the late charges. Regardless, we thought we did the right thing and resolved the matter directly with the creditor. Then Midland Credit Company purchased the debt and began to pursue me. I requested validation of the debt. They could not provide it, in fact they ignored my requests and reported a negative trade line to the credit bureaus. I disputed the matter with the bureaus and again requested validation, none was provided and the credit bureau removed the trade line. In 2014 the trade line again appeared on my credit bureau dropping my score significantly and hampering my ability to obtain a loan. Then phone calls started coming to my place of employment. Daily. Every day for the past two months they call, I answer, they hang up. I never get to talk to anyone and they never leave a message. They always call at XXXX minutes after XXXX my time ( PST ). I am sick of the harrassment and credit mark they forced onto my credit report. I work at a financial institution and pay my debts. I do not appreciate this " zombie '' debt haunting me and my wife and the harrassing calls at work. I need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I have filed multiple complaints against Select Portfolio Services XXXX the most recent is case number XXXX ) and they refuse to even research the allegations against XXXX XXXX, the original lender. They state categorically that funds in my modification were not used to pay off XXXX Mortgage because there is no written record in the modification that XXXX did. 
I have requested and XXXX Mortgage is in the process of providing me documentatyion that XXXX did indeed pay off XXXX XXXX XXXX is to send me a copy of the bank wire from XXXX as well as the payoff letter that was faxed to XXXX, complete with XXXX 's fax number on it. 
I will provide this documentation as soon as I receive it from XXXX Mortgage, and it will prove that while XXXX was not listed as being paid off, funds from XXXX that were included in my modification were used to pay off XXXX. 
To assert that my loan balance increased over {$50000.00} due to accrued interest, etc is absurd in itself when the original loan was only around {$35000.00}! 
Again, I request that the CFPB requires SPS to do honest research and in doing so will see that what I am saying is true.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: U.S. BANCORP
State: AR
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I attempted to make a {$50.00} payment online using a XXXX prepaid gift card in the amount of {$100.00}. The payment drafted XXXX from my card, bringing the prepaid balance down to zero. I called the customer service line ( XXXX ) and spoke with a customer service representative who told me that I had to have swiped my card XXXX, and that I could n't dispute the charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On XX/XX/2022 XXXX XXXX XXXX  did an unauthorized hard inquiry on my name. 
I also noticed a new city that I never lived on

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 2022-08-18
Company: EQUIFAX, INC.
State: PA
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 reached out to Equifax several times this month in regards to several inaccuracies in my consumer report that has been causing me mental anguish. I informed the agent that the previous agent did not include the information there was a result as fraud and identity theft ( all required documentation was provided ) and per 15 U.S.C. 1681c-2, that information shall be blocked and taken care of within for days. I checked again 4 days later and the same inaccuracies remain on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: National Principal Group, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I live in XXXX, my parents live in Florida. A week ago, my parents received a threatening call ( automated ) from # XXXX ( NP Group ) for me. I called the number and spoke to a woman. She claims I owe {$300.00} for a pay day loan taken out in 2010. The information she provided did n't add up. I looked up the number and see a lot of activity coming from this company the last few weeks. They are trying to scam lots of people. Here is the info on the company. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, # XXXX XXXX, NY XXXX Registered Agent : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. 
Phones : ( XXXX ) XXXX

Company response to consumer: Closed with explanation