BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$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 non-monetary relief
Consumer complaint received 2017-07-03
Company: COAST PROFESSIONAL INC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I'm having a hardship and currently trying to enroll in college.
I have no capital to repay at this time I,m working on a carrer movement to better my future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
ERC has suddenly appeared on my credit report. They have never once sent a letter or notice to me. They are unhelpful on the phone and will not verify the debt. I do not know what the matter is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
A fraudulent checking account was opened under my name, through US Bank.

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 2020-06-13
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Every month I C SYSTEMS COLLECTIONS # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MN XXXX ( XXXX ) XXXX. Is reporting a new collection that is for a collection account from XXXX. The information reported to the credit agency is in violation of Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$170.00} Date Updated : XX/XX/XXXX Original Amount : {$170.00} Original Creditor : XXXX Past Due : > $ 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 2015-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have a credit card account with Capital One. In XXXX of this year my balance was {$240.00}. Now in XXXX the balance is {$820.00} This is impossible. I have not used this card in 6 mos.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX of my accounts is not showing up in my credit reports. My credit history of XXXX years with XXXX XXXX was deleted from the Transunion systems. I called both the Bank and TransUnion to open a dispute but nothing has been done to fix the error. As today my credit report is showing incorrect information because XXXX of my accounts is not reflected, consequently the pending balance due is not reflected either. I need your help to restore my credit history and to reflect accurate information on my credit report. I already sent evidence to Transunion of the errors made in their system and submitted via fax a copy of a Transunion report dated XXXX XXXX 2015 that shows the correct information ( before the changes ) and a letter from the bank showing that I 'm the owner of the mortgage loan account that is missing in my reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Trans Union is in violation of the Fair Credit Reporting Act, Section609 ( a ) ( 1 ) ( A ). TransUnion is required by Federal law to verify, they have not and continue to report inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I XXXX XXXX and XXXX XXXX has received a retail installment contract- consumer credit document in the mail from Credit Acceptance . Upon looking at this document i notice several violations against me the Consumer one in particular is US code 15 USC 1605 it appears that the apr for my state North carolina the max is set 8 % and should not go over 16 percent. I didnt agree to the charges and neither were they disclosed me prior to agreeing to this document. As another violation i came across is US code 15 USC 1635 the right to recision. I was never made aware that i could rescind this contract in 3 days. Its stated no where in the contract. Also there is US code 15 USC 1640. Due to the constant calls numerous times a week from different numbers from michigan and private phone calls that also cause problems in my life you have also violated US code 15 1692k.I know that with all violations listed that I am entitled to a refund of all moneys paid to the debtor Credit Acceptance. Including the cash down payment on this credit transaction that i use my social security number to purchase. Also I am asking that this be removed from all consumer reports, as well as the title to the real property and lien be removed.

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 2017-02-22
Company: SYNCHRONY FINANCIAL
State: NE
Product: Credit card
Issue: Billing disputes

Complaint:
I have a secondary holder on my JC Penny card account and they will no longer allow her to pay the bill in stores on my account. She is XXXX years old and used to be able to take a cab to XXXX to pay the bill in person. They are now refusing to allow her to pay the bill although she was listed as the secondary card holder. She even asked to speak with a supervisor the last time and they still refused. This has now resulted in two recent late payments. One in XXXX and one this month. Why wont they take her money anymore? This is causing an undue hardship on her and me as it affects my credit as she is just a secondary holder on the card.

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 2022-07-21
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX  sold our loan to Freedom Mortgage in XX/XX/XXXX. Back in XX/XX/XXXX XXXX offered us assistance to pay that month ( repayment plan ) in the amount of XXXX in 6 consecutive months between XXXX XXXX XX/XX/XXXX. Which we have done without a miss. The amount included XXXX regular monthly payment plus XXXX. Since the transfer in XXXX, we have continued paying the agreed repayment plan now to Freedom Mortgage. However, Freedom Mortgage has been holding every XXXX payment we have made to them and even to Roundpoint placing it in suspense account according to the Loss Mitigations Department at Freedom Mortgage. Therefore, making our account delinquent an entire month. Each payment we've made to Freedom the reps state that the payment will be accepted to pay the previous month. When asked why they are holding our money/ payment they state different answers including its not a full payment or simply that they don't know. We have sent Freedom Mortgage the XX/XX/XXXX repayment agreement paperwork from XXXX and even bank statement spending hours, days and months trying to seek help without any resolution. We express our concerns including all of this leading up to negative reports to the bureaus, NOTHING ; also, if there is any particular department / manager whom we could speak to, but they all state we are assigned to Loss Mitigation, and they send the information to some unknown department. Last person from Freedom I spoke to on XX/XX/XXXX, named XXXX # XXXX, said he was building my case to inform the XXXX XXXX. As of today, and within the last almost three months now, nothing has been resolved. Over the past months the communication of their findings is that we owe for a previous month nothing about our money, for XXXX, that they are holding on to that is supposed to repay agreement between XXXX and us. All payments have been made in full. They are going against the agreement as it was transferred to them and keeping our money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Radius Global Solutions LLC
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:
I have a outstanding debt reported on my credit report that does not belong to me. The original bank has no record of the account, but the debt collection agency continues to call, mail and report this on my credit report, resulting in bad 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 2020-06-13
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Keeps changing opening date and reporting acct as a new collection when is is from XXXX. 



CREDENCE RESOURCE MANAGEMENT # XXXX XXXX XXXX   XXXX XXXX , MI XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$1800.00} Date Updated : XX/XX/XXXX Original Amount : {$1800.00} Original Creditor : XXXX XXXX  Past Due : > {$1800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-19
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: Information belongs to someone else

Complaint:
I am a victim of Identity theft and experian has not removed any items on my credit report and it has been well over 30 days.

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 2016-11-04
Company: Conn's, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
this debt collector is calling me in excess of XXXX ( XXXX ) times a day from an computer assisted auto-dialer it looks like and it is very cumbersome

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There has been a collection added to my report on all XXXX bureaus, that does not belong to me for {$890.00}. The collection company is XXXX XXXX collecting for XXXX XXXX XXXX. I have been doing searches on the company name, XXXX XXXX XXXX, and I keep seeing SCAM, FRAUD - lawsuits by states - cease and desist orders from states. I have filed disputes with XXXX of the bureaus and I will call the XXXX. I have worked so hard on my credit and I 'm just sick that I have to spend all of this time chasing down a fraudulent report. I 'm reporting this in hopes of clearing it up and to provide information, as I suspect I 'm not the only one this has happened to. Please 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 non-monetary relief
Consumer complaint received 2020-06-13
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We accept credit card for our business. We got charge back and we submitted proof of Card Present and taking proper authorization by asking Guest to insert Chip card in reader and we got proper authorization and provided service. 

Guest did charge back we provided all info but ou merchant service provider said XXXX XXXX do not want to pay. We asked them that we got approval by card insert and reading chip and on authorization it shows CARD PRESENT but still merchant is not accepting it. 

Can you ask Visa, Master Card, American Express to honor card if Card present and they authorize us to charge certain agreed amount by guest. How they can do charge back when card is present. 

Please provide us guidelines on this situation and send something so small business can get protected as per Federal guidelines and stop big Visa or Master or merican Express to take advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: Seattle Service Bureau, Inc
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I received a letter from National Service Bureau stating they were sending a letter to the XXXX asking them to suspend my driver 's license due to an accident in 2014 in which I had no insurance. In reality, I never had an accident in 2014 or at any other time in my 40 year driving history. Further, National Service Bureau provided my driver 's license number and date of birth to the XXXX. When I contacted NSB, they would not release where they obtained my personal information. Now I have received a letter from the XXXX stating that my driver 's license is revoked!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2015-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had a case opened with Transunion here is the case number : XXXX which was resolved. I received a copy of my credit report and I verified that the XXXX account balance were updated to zero. I just pulled my credit report and the balance reflected right now is not zero, it has gone back to the old balance again. This is the original complaint " I had XXXX credit card accounts with XXXX banks for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported XXXX accounts on my personal income taxes XX/XX/XXXX, and paid accordingly XXXX. The account has been written off and taxes have been paid on the amount forgiven, XXXX bank has been given the tax write off but they are still reporting a full balance for XXXX account on my credit report. It should be reported a zero balance as the debt has been cancelled/forgiven, the have already taken the tax write off XXXX and now they still want me to pay in order to report a zero balance to the credit bureaus. This would be double dipping for XXXX bank, getting the tax write off and then still collecting the cancelled amount on XXXX accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment. XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent transunion a dispute with copies of verification of items being removed and re-inserted on the same day, on XX/XX/2017. Today I called them and told them I have not received anything from them and asked for status as it has been over 30 days. I spoke with XXXX. 
When I disputed back in XXXX, which XXXX, confirmed over the phone, I did n't receive a written status update or update credit report from Transunion. So today I asked them to remove the accounts I disputed on XX/XX/2017 because they have not responded in the time allotted by law and was told that it was previously ( XXXX XXXX returned from the creditor as " verified '' I have charged off accounts showing balances and reporting charged of monthly which should not have a balance " XXXX '' and should not report as an open account and tansunion does not want to delete this false information. I 'm frustrated because ive been reading the laws and I 'm disputing based on the laws but transunion is not complying.

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 2015-12-31
Company: Flagstar Bank, N.A.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Earlier this year, I contacted my bank and requested a RETURN and/or STOP PAYMENT on any payments presented that would cause an OVERDRAFT of my checking account. I was informed that the bank would return any payments presented that would cause my account to OVERDRAFT. On XXXX XXXX, 2015, FLAGSTAR bank attempted a " RETRY PYMT '' in the amount of {$18.00} against an available balance of {$1.00}. The bank subsequently presented another " RETRY PYMT '' in the amount of {$18.00}. As a result of this activity, my account which previously had a positive balance of {$1.00} was negative {$34.00} in bank fees. The items presented were NOT paid and returned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account : 1. XXXX They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer In accordance with the Fair Credit Reporting Act XXXX  Account : 1. XXXX They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer In accordance with the Fair Credit Reporting Act XXXX Account : 1. XXXX They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer

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 2021-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I was reviewing my credit report and I noticed an several medical accounts from XXXX  XXXX XXXX XXXX This information is inaccurate. All accounts were paid.

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