BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-12-02
Company: Arete Financial Group
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Arete financial freedom made everything seem like butterflies and rainbows ... Until 8 months+ later I received an email saying my payment was declined even though Ive had no change in card information. Called and emailed endlessly with no such hope of getting a reply.

Contacted XXXX  and they read back some of my information which was completely incorrect along with my FSA email being changed.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
With no dates, as of XX/XX/2022, it shows I have a delinquent account by XXXX days. I have checked every account through XXXX. This is not the case. Equifax is incorrectly reporting my credit and caused it to decrease by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
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: Problem with personal statement of dispute

Complaint:
I have filed 6 disputes with Equifax to have a negative account item number 4.7 on my report from US Dept of Education/XXXX ( XXXX XXXX XXXX ) to be removed from my report as it is past seven years, was since XX/XX/XXXX, or updated to show status as not past due and removed from negative standing. This account was transferred and sold and I have been making payments so account is not in past due or default status. I have a letter from Department of Education stating that this should be removed as well which I submitted. This creditor was removed from XXXX and XXXX but Equifax continues to give me a hard time. I have contacted them multiple times and finally they removed the account on XX/XX/XXXX but then in XX/XX/XXXX they added this account back on my report saying the creditor requested it to be added back on. I have contacted equifax several times and they cant ever find my dispute or the documentation and keep referring my back to the creditor. I called the creditor 3 times and they say they did not report anything to my credit report as I no longer have any accounts with them as they show my accounts have been transferred. No one will help me straighten this out and it is affecting my current student loans as I am in XXXX school and as well need to send my 17 to college. The account status of this account is incorrect as it is not over 120 days past due as it has been sold and transferred and has been making payments on. This account should be deleted from my report and equifax is the only one that is not working on this and ignoring my disputes and keep losing my documentation that is sent in now over 6 times. I ask to speak to a supervisor and they just keep me on hold for an hour with no check ups.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # Lease : XXXX Merchant : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 resident verify XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 transunion XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX of XXXX XX/XX/2022 transunion XXXX  XXXX XXXX XX/XX/2022 transunion XXXX XX/XX/2022 XXXX XXXX XXXX  XXXX transunion XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX  Credit Cards XX/XX/2022 I have tried to dispute these inquiries but they have not removed them i do not recognize these at all and need them to 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 non-monetary relief
Consumer complaint received 2022-09-08
Company: Avant Holding Company, Inc.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
I have been in contact around XXXX or XXXX moths send about XXXX emails and about XXXX phone calls. 

This situation is about a lost credit I explained everything in great detail. At XXXX point I was everything has been determined that you are not responsible for any transactions in XXXX of my calls went regarding my new card replacement and more details regarding this situation. I was told as mentioned previously not to worry everything has been determined youre not responsible and you card was ship out. I received the card. 

Later I received a email saying that I was advised you are. I response and front that point forward. I was told that information was escalated. I don't receive any assistance on how to speak or communicate with that department all I received your claim was escalated. 

My last was today see below. 


XXXX XX/XX/2022 In other words is escalated to another department and you can't get them to provide any information regarding this situation or provide me a contact number. 
You refer me to a customer service department that they don't have access to this situation we go back and forth. 

I keep tell you this is very poor service and unprofessional service this is been going on for 4 months. 

You have broken laws pertaining customer protection act. Under many government agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LoanCare has not resolved an Escrow mis-calculation complaint that was submitted by mail on XX/XX/XXXX. The complaint was acknowledged by LoanCare on XX/XX/XXXX and followed up by a letter dated 35 days later on XX/XX/XXXX indicating that they had opened a research inquiry with the tax department and that they would be sending an update within 7 to 10 days. As of today ( XX/XX/XXXX ), we have not received the update that was promised by their letter to be given by the first of XX/XX/XXXX. 

As per the account information online at XXXX as of today XX/XX/XXXX, the escrow analysis still indicates a inflated monthly escrow amount of {$600.00}. This was calculated by the using the incorrect tax impound amounts supported by the documents that were sent to Loancare with the complaint. The notification of the error was originally emailed to Customer service in XX/XX/XXXX and later sent by letter on XX/XX/XXXX that was acknowledged on XX/XX/XXXX. Based on this erroneous escrow analysis, Loancare indicated that there was a {$2100.00} escrow shortage that calculated a new monthly escrow impound of {$600.00} ( up from the original amount of {$280.00}, a whopping {$320.00} increase! ) With the application of the correct tax impound, the shortage today ( since I have now made 2 mortgage payments with the impound amount calculated by using erroneous property tax information ) would be calculated at {$750.00}. Since LoanCare requires a minimum 2 month reserve, this translates to a new monthly escrow impound of {$330.00}. It appears LoanCare may be attempting to drag this resolution out, well past the RESPA 60 day requirement which is a violation of Section 6 of the Real Estate Settlement procedures Act, until I have made the XX/XX/XXXX payment with the erroneous impound amount. This could be an attempt to require me to pay the entire remaining shortage at that point of {$410.00} within 30 days because it would then not be required to be spread over 12 months as it would then be less than 1/6 of the yearly escrow projection. I hope that this is not the case, and has not been the intention of the company from the beginning. I am concerned because of the 100s of complaints that are readily available on line about LoanCare and their questionable loan servicing practices. 

This issue was originally brought to LoanCares attention by submission of the information through their online secure form email portal on XX/XX/XXXX shortly after the error was made in their escrow calculation they did on XX/XX/XXXX. This submission was never acknowledge and prompted the letter to be sent by mail on XX/XX/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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
FALSE/INACCURATE INFORMATION I reviewed my credit report today and noticed there is some incomplete and inaccurate information being furnished by XXXX XXXX XXXX. On my consumer report, you are describing this account type as a loan when in fact, this alleged arrangement is acknowledged by the governing laws as a credit sale. There is not now, or have never, been a loan agreement in place. Under any premise were goods or money loaned to me, the alleged debtor. It is a direct violation of FCRA to knowingly furnish or report false and incomplete information. Please delete this item within the allowing timeframe pursuant FCRA. ACCOUNT XXXX XXXX Failure to comply with these demands will result in a formal civil and/or criminal complaint being initiated. Please mail an updated copy of my credit report to the above listed address upon removal of violating 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 2022-06-01
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2022, I made the mistake of not bridging the original transaction, because of my newness to this industry. I have sent {$18000.00} to the hash address at XXXX in coinbase. This was a mistake obviously and the transaction shows my funds just sitting there but not in coinbase. 

I filed a Case # XXXX to Coinbase to access help to make my funds available on my coinbase account, through the XXXX coin using that particular coins transaction hash ( address ) to accomplish this transfer. 
I was told that coinbase couldn't find my transaction hash on XXXX, and rightfully so, because this wasn't done on XXXX, but was done on XXXX., this is a XXXX transaction whereby I made apparently made 2 mistakes by not bridging my XXXX coin funds from XXXX ( XXXX XXXX ) to XXXX blockchain, through XXXX a ( XXXX XXXX ) exchange and by mistake, ( DUE TO POOR DISCLOSURE ) approved my transaction, that shouldn't have been permissible to go through, to XXXX XXXX transaction hash address. 
-- Mistake # 1 I tried sending my XXXX XXXX to my XXXX XXXX hash address ( obviously not the correct way ) according to XXXX wallet, who still allows you to continue with your transaction, even though it's going to not work. 
Mistake # 2 I didn't Bridge to XXXX XXXX as they call Exchanges like Coinbase and XXXX XXXX XXXX. This creates the need for a bridge ; which, is not explained very well XXXX XXXX the XXXX XXXX XXXX site. I thought I was doing this correctly AND HAD NO POP-UPS TO STOP MY ACTIONS, only to find out I didn't and now have over {$18000.00} trapped in Cyberspace, that I can not access. 

THE URL BELOW IS THE LEDGER OF MY TRANSACTION SHOWING MY MONEY JUST SITTING THERE UNABLE TO BE ACCESSED : https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good Day, We were in the process of a deed in lieu of foreclosure on XXXX XXXX XXXX select portfolio servicing contacted us to let us know that our first step would be a walk thru to see the condition of the property.XXXX XXXX we were given written confirmation that we could proceed after we were completely out to contact them so we could be inspected .on XXXX XXXX, XXXX i then contacted XXXX.to let them know we had vacated the property they the replied oh we are so sorry we sent that document out prematurely and you can move back in so we can work out something there is a lien on the property after going back an forth for several months the title was cleared and we began the process again. XXXX XXXX this year we signed our closing deed in lieu at that time we were told nothing else was required from us and that the property did not have to be reinspected because it was done in XXXX XXXX so at this point we would just be notified.On XXXX XXXX i was then informed that we were denied because of a I.R.S. lien that was on the property i contacted the I.R.S. the representive said for me to contact a attorney because someone in the mortage company dropped the ball because the debt had been there since XXXX XXXX i feel we were treated unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit reportXX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I am writing to let you know your agency is in violation of the Fair Credit Reporting Act. 
I have spoke with a Consumer Law Attorney and have studied the FCRA as well as the CFPB Advisory opinions for FACT checking.

What I learned is the items on my credit report should not be reporting at all without my consent. The only person to give consent is the consumer and that is me!! 

You are allowing improper use of credit reporting against what LAW has written. The consumer controls the credit reporting not the agency.

It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. 

I XXXX XXXX, did not CONSENT to any bank or agency to report 15 USC 6802 ( B ) A financial institution may not disclose non personal information to a non affiliated third party unless ( A ) such financial institution clearly and conspiculously provides to the consumer in writing or in electronic form or other form. 

I DEMAND the items listed below be DELETED from my consumer report. 

1 ) XXXX XXXX XXXX XXXX XXXX 
XXXX ) XXXX XXXX XXXX XXXX XXXX I am a litigious consumer and will seek legal representation defending my right to PRIVACY if these items are not 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 2022-06-01
Company: Experian Information Solutions 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:
I have XXXX fraudulent student loans opened under my name when my house got burgularized in XXXX. The student loans were opened in XX/XX/XXXX by XXXX XXXX. I have the police report and court documents with the person that took my information. I have tried to dispute the account through the credit bureaus several times but they keep coming back saying it has been verified...

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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00}

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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Here are all of the hard inquiries that I did not authorize due to id theft, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX 's customer service representative.

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