BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
** Please ensure any personal identifier data matches strictly with what I have submitted uncontested above, I do NOT authorize you to hold on to ANY info not requisite reported, not undeniable, not correct, not full, not timely communicated, not mine, not of my responsibility, and or else wise questionable OR in contradiction from the unadornedly ADEQUATE PERSONAL IDENTIFIER information I have above submitted! 
Re : This serves as my official notification to you, or any entity, concerned that I here now have confliction with the reportability of your claim ( s ) until it's decisive that privilege t o report was executed adequately and in a firmly rooted and objectified compliantly reported compliant manner, even to the mandates in accordance with the CDIA required CRRG described Metro 2 data-filled field formatted reporting standards, of which there can be no deviation for retaining of that aforementioned assumed privilege to report any claim. 
To whom it concerns, edit out now the following claim ( s ) one or more of being not certified tractably supposed or elsewise revealed, unverifiable, invalid, untrue, inaccurate, inadequately unabbreviated or incomplete to needed standard, untimely disclosed, not fastidiously right by cite proof to be of a known ownership of my responsibility, inconsistently divulged, deficiently described, questionably believed and or else wise appearing to potentially be a deviation of or from the Metro 2 Standard of ethical, lawful, and compliant reporting of delinquent, derogatory, and or else wise possibly negative claims professed versus me as the consumer. Remove immediately and enduringly any negativity related to :

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 2023-01-03
Company: Experian Information Solutions Inc.
State: GA
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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

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 2022-05-05
Company: Experian Information Solutions Inc.
State: RI
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:
ACCOUNTS ON MY MOST RECENT REPORT SEEMS TO BE UNFAIR NOT 100 % ACCURATE

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 2022-05-05
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the following companies have violated my rights. 

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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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 this request to TRANSUNION that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or 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 non-monetary relief
Consumer complaint received 2022-05-05
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I applied for forbearance in XX/XX/2020 because I lost my employment. Two weeks later I found another job and called my loan company requesting to cancel my forbearance request. I was informed that I needed to wait for someone to get back to me. I waited and in XX/XX/2020, I called again and was told that " we can't just cancel. You will need to wait three months before the company -Mr. Cooper XXXX could close the request to have payments resumed ''. It has been a struggle ever since. I was only able/allowed to make three online payments and was never allowed to make payments again. In the meantime. I am owing more and more on my house. 
The company continues to ask me to fillout the forbearance form again and again and provided paystubs to their site as well as tax returns... This became that vicious cycle of " we did not get it... we've never received it. '' In the end, I took the forms and documents to the post office - sent certified mail. They requested more documents to be submitted via email - all to reject the application again and again. I recently re-submitted documents for last time online, using their site- Now, I receive phone calls almost daily about needing more paystubs - to which I referred them to the site for uploaded documents. Now it's the apology game and no results. In the meantime, I am afraid that all this will leave me owing more on the house and possible lose it!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: BSI Financial Holdings, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced and my mortgage was sold to BSI financial. Initially, I used their online services to pay my mortgage but the system was unreliable and I would miss mortgage payments. I switched over to my bank to pay the mortgage. This initially worked but in XX/XX/XXXX, they increased the mortgage due to an escrow shortage. I didnt want to pay more on my mortgage so I sent monies to cover the escrow shortage. I spoke to a BSI contact and was told that the money I sent would be added to the escrow and I can continue to pay my original mortgage amount. This did not work out as planned. BSI didnt apply the monies to the escrow shortage so each of my monthly payments were short. I called BSI repeatedly even paid additional monies to get the money to the escrow shortage and still the problem continued. Finally, i decided to just pay the new mortgage amount to stop the insanity. Now, they are saying I only paid a portion of my XXXX mortgage and they want the remainder. My bank records show the full amount was paid. In fact, my bank records will show all my efforts to work with BSI. I have asked them repeatedly to sell my loan but to no avail. I see they were fined in XXXX for similar issues. Just note the problem continues. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Winklevoss Exchange LLC
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
An author that I follow & trust on XXXX named XXXX XXXX started posting information about her bitcoin investments with this woman named XXXX & highly recommended her. I began messaging on XXXX with whom I thought was XXXX XXXX on XX/XX/22 about bitcoin investing. I made a {$1500.00} XXXX into the account she had me create in the Gemini App & then transferred the funds to an account she had me create at XXXX. On XX/XX/22 I was contacted through my email account XXXX & was contacted by XXXX through XXXX. They said to be able to withdraw my investment I would need to upgrade my account, which would require a payment of {$2000.00}. I made another XXXX for {$2000.00}. Then I was messaging with XXXX on XXXX & she had me check my investment at my account at XXXX. It stated that I had a profit of {$35000.00}. She recommended withdrawing {$300000.00} & keeping {$5000.00} in the account to continue investing. She told me to email XXXX & request the withdrawal. After I did so I received an email from the support team at XXXX stating that I would need to pay the 10 % commission prior to them depositing my profit into my bank account. This time XXXX recommended wiring the money ( {$3000.00} ) to the Gemini App., which would make my withdraw/deposit faster. I did so on XX/XX/22 & then was emailed by the support team of XXXX again stating that the IRS had frozen all funds & that they wouldn't be able to deposit my funds until I wired them another {$3000.00}. This is when I realized I had been scammed : (

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2024-01-09
Company: ALLY FINANCIAL INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Damage caused or loss of personal items in vehicle during the actual repossession

Complaint:
This is an additional notice in reference to Complaint # XXXX, written XX/XX/2023. Ally notified CFPB that they were in the midst of responding XX/XX/2023. To date, there has been no response by Ally. Reference XXXX of XXXX XXXX XXXX XXXX XXXX EXT XXXX. Since their act of repossession of said vehicle, I have made numerous attempts via voicemail, email, and mail, to explain their violations of holding the vehicle in spite of my objections and defenses. I've explained to XXXX numerous times that, PER THEIR OWN COMPANY POLICY, they CAN NOT repossess a vehicle if a " debtor '' raises an objection to the repossession. ( See attachments XXXX and AllyXXXX ) Even after explaining to XXXX that the vehicle must be returned and can only now be taken back through court order, her response is that this matter is still under review. There is nothing to review : as long as the " debtor '' has a claim and defense, Ally is SUBJECT TO THOSE CLAIMS AND DEFENSES, and therefore CAN NOT REPOSSESS UNTIL AND UNLESS THEY HAVE A COURT ORDER. I have had to file the vehicle as stolen with the Arizona DOT and with law enforcement, since there is no other way to enforce Ally 's compliance ( See attachment XXXX ). These attachments have all been sent to XXXX since the last complaint was filed, so she is well aware of these issues. Because of Ally 's continued non-response to this pressing issue- I can not work, I can not get my children to school, I can not drive to get groceries, I can not do anything substantially dependent on my means of transportation - and because Ally has known about this issue for a month, and yet refuse to cooperate in any form or fashion, I am hereby damaged and aggrieved. Additionally, it MUST be repeated : the reason they repossessed the vehicle was due to " default '' of the payments, and this is because of THEIR OWN DOING. By restricting my method of payments to be done through money order or certified funds, and denying my ability to pay under the original method of paying online ; in spite of my requests for them to justify where in the contract or law this was allowed for ; and in spite their unjustified attempt at adding addendum onto the contract I'VE NEVER AGREED TO, in which THEY ENFORCED A POLICY WHICH WAS NEVER AGREED TO IN THE ORIGINAL CONTRACT ( see attachment XXXX  ), they have therefore BREACHED THE CONTRACT. THIS MAKES THE CONTRACT VOIDABLE.

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 2023-01-03
Company: Experian Information Solutions Inc.
State: LA
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 XXXX XXXX XXXX XXXX and XXXX appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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 explanation
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: GA
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$950.00} ; XXXX XXXXXX/XX/2022.

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 2023-10-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 did not consent to authorize nor benefit from the following account ( s ). Block and Remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: RIA FINANCIAL
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
This is XXXX XXXX, I run a small business called XXXX XXXX XXXX in NJ. 

My issue is with XEXXXX. I have initiated a money transfer on XX/XX/2023 with XEXXXX, tracking # XXXX. Since then they have been telling me different stories whenever I call them to check the status but money is not received yet in my XXXX account. They did not share swift tracking number either after multiple follow up including emails. 

Request you to please chime in and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$4100.00}

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 2023-06-03
Company: OneMain Finance Corporation
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
So I have taken out two loans with main financial and the first time I took a loan with the in XXXX of XXXX for {$2000.00}. I did feel as if I was forced to add on packages to get my loan funds. I added on two packages that I felt where the cheapest and called it a day to get my loan. Then I had another loan in XX/XX/XXXX for {$7000.00}. They tried to get me to do the same by adding on packages but I did at first and then I ended up taking them off which was a big shocker to the rep. She tried to explain to me why they are beneficial intensively but I didnt budge. I also believe on both of my loans there XXXX have been added interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions 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:
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. 

XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX/XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX : # XXXX, XXXX  XXXX  : # XXXX has violated my rights. 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 non-monetary relief
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX, XXXX & XXXX XXXX XXXX : {$5900.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 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

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