BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/ I notified TransUnion that I was an victim of identity theft and that their company was assisting in the fraud by continuing to report fraudulent inquiries on my credit report. I spoke with TransUnion by phone and was told to send in an FTC Report proving that the information resulted in identity theft along with a cover letter and identification and the inquiries would be removed. Today XX/XX/XXXX XXXX  I called because I received a letter in the mail stating that the information was sent by a credit repair company and they were going to reject the dispute. They are making it possible to clear my name and they will not reinvestigate the information. It is their grave duty to report proper information and they are refusing to do so. I have attached all I sent with a copy of my driver 's license and the laws that they should follow, which is all that is required to block and delete this 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 non-monetary relief
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
My identity was stolen. XXXX and XXXX immediately allowed me to place a credit freeze on my credit reports. Equifax refused to put an immediate credit freeze on my credit report. They said I would have to wait several weeks to get this done. This is ridiculous as it allows the identity thief to continue to open accounts under my name ( via Equifax only ). Consumers should always be able immediately to freeze their accounts when requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Payfare International Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
Since a new ATM replaced the broken one at a FREE ATM location at a XXXX in XXXX, MN the XXXX XXXX  debit VISA card has been charging me an ATM fee of {$2.00} for the 4 times I used it despite it saying its a free ATM and it never charged this before the machine was replaced. XXXX XXXX has only reimbursed me once so I am still out {$7.00} and they refuse to resolve this. The employees are extremely rude and just say they wont fix it and then just hang up on you over and over again. I filed a complaint with the XXXX XXXX XXXX, but they claim its out of their scope without giving reasons why. There should be a class action lawsuit for defrauding customers, stealing from them and committing bank fraud. I reached out to the XXXX ATM regarding this ATM charging a fee when it is supposed to be a free ATM and while they said they would send someone out to see if it needed an update to resolve such an issue, the issue was never fixed and it is still listed as a FREE ATM and it is still charging me {$2.00} every time I use it. 

On XX/XX/23 I was charged a {$2.00} ATM fee at this FREE ATM & on XX/XX/23 I was charged a {$2.00} ATM fees at XXXX free ATM in XXXX and again on XX/XX/23 XXXX  card provided by XXXX XXXX  and sends the money I earn to this debit card charged me a {$2.00} fee when the XXXX app says this is a FREE ATM. The company is impossible to work with and have no desire to follow through on their promise when an ATM is supposed to be free nor any desire to fix the problem going forward for this not to keep happening?! Its so infuriating and frustrating and false advertising fraud! Its theft, thievery!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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: Account status incorrect

Complaint:
I have 128 payment periods with certified employment under the TEPSLF/PSLF program. The XX/XX/XXXX  payment period put me at XXXX, that was when my loans should have been forgiven per the rules promulgated by the Department of Education. At that point, my credit report shoulod have been updated to reflect the balance due was {$0.00} that the loans had been forgiven because I am a XXXX XXXX That has yet to happen -- after 8 months. Because of this 8 month delay in updating the status of my student loans, I have had to pay more interest because of my " excessive unsecured debt '' all because the promises made by the Department of Education have not been kept.

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 2023-04-04
Company: Resurgent Capital Services L.P.
State: SC
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:
Certified dispute letter mailed XX/XX/2023. Dispute letter received XX/XX/2023. Requested verifiable proof of consumer contract with signature that I had an account with this third party agency. Third party agency did not provide consumer contract with signature of account. It is within my right to file a formal compliant of dispute for the misrepresentation, fraudulent use and identity theft of my personal information regarding the CFRA law violations of this third party agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Groves Capital, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am a XXXX XXXX for 4 years now and I can confidently say this is the absolute worst company I have dealt with and I am so embarrassed that I chose them to represent my purchase for myself. It started with my loan officer XXXX XXXX making empty promises over and over again to the point of 0 trust in his word. The deal was full of discrepancies and could not be closed due to pure negligence and lack of communication between all parties involved specifically the processor XXXX XXXX. 
I had the file escalated to the CEO and Owner of this company which stepped in and tried to help but without any result due to an incompetent team. We extended the closing date 3 times and about 3 weeks and weren't able to close in the end due to failure to disclose certain terms and fees that I was not willing to sign on under pressure. They added a pre-payment penalty and extra fees mid process, had I signed without reviewing the terms like most people do I would have ended up with a horrible loan and stuck with an 8.125 % rate for years. I lost time, money and my sanity working with these people. I have lost all my 6 months plus work on my home search and mortgage application plus about {$2000.00} and my sanity. I have to start over now. These people should be investigated and should not be handling anyone 's money. See attached example of one major discrepancy from what was disclosed on the Loan Estimate verses what was finalized on the Closing Disclosure ( pre-payment penalty added ). 

Mortgage Company : Groves Capital Inc. 
Lenders : XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Hello I had several loads with XXXX dating back to XXXX and I started paying around XXXX. I have been trying to get my payment history from Federal Student Aid, but they consolidated my loans with out my request and my loans are now serviced by Ed financial. Ed financial was able to provide history dating back to XXXX. XXXX serving just told me they were unable to provide the history from XXXX despite me making payments directly to them. I would like my payment history that must exist in their records somewhere. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the consumer credit reporting agencies for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and my right to privacy. 

On XX/XX/23, I submitted a dispute to The 3 Major Credit reporting Agencies XXXX, XXXX, and Transunion regarding items on my credit report. I have attached the documents sent as proof! 
According to the FCRA, consumer credit reporting agencies are required to investigate disputes and respond within 30 days. However, They have failed to respond within this time frame, thereby violating my rights under the FCRA. 

Furthermore, I believe that the consumer credit reporting agencies have violated my right to privacy by reporting an account without my permission or written instructions. They did not provide me with any disclosures prior to reporting this account, which is also a violation of my rights under the FCRA. 

As a result of these violations, I have suffered significant harm to my credit standing and overall financial well-being. I request that the consumer credit reporting agencies be held accountable for their actions and that appropriate measures be taken to ensure that my rights are protected in the future. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX. # 15 USC 1681 ( 2 ) ( A ) ( i ). ( 2 ) EXCLUSIONS- ( A ) subject to section 1681s3 of this title, Any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Which means it's a violation of the FCRA to report " Late payments '' as that is a transaction. XXXX XXXX Act. # XXXX XXXX XXXX  Act. # XXXX XXXX Act. # XXXX XXXX Act. # XXXX XXXX XXXX Act. # 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 2023-03-17
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/202XXXX XXXX XXXX XXXX CASE NUMBER CALLED SAYING. THEY HAD CLOSED ENVELOPE TO BE DELIVERED TO SOMEONE OVER XXXX. They would never tell me who or what company or what collection was about. XXXX XXXX was his name. He wanted my dob and last four of my social security number there phone number wasXXXX

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 2023-04-04
Company: CITIBANK, N.A.
State: NY
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:
Starting in XXXX of XXXX I was getting fraudulent XXXX charges on my ciitcard account. I didn't notice until about XXXX. I called XXXX, the account was NOT my account that the items were being sent from but somehow, XXXX had a different account with my name, address, and citi card number on it. I never got any items but go charges. XXXX could not shut down the account because I was not the primary account holder and didn't know who it was and they wouldn't tell me. They said I had to go through citi card. I called promptly online put a freeze on my account and called citi and reported the fraud and cancelled the card. However, before I fully realized what was going on, there was one charge for approximately XXXX that I " disputed '' on the app because I had no idea what it was for. Citicard issued me a new card, BEFORE the card even got to my house and was activated, there were NEW XXXX charges again from the fraudulent account. Somehow a locked account was charged. I promptly called Citi Card, cancelled my entire account! Still though additional charges came from the XXXX account. I have spent hours on the phone with citic card trying to get the charges reversed. I was assured by the agents that interest and late fees would be refunded as well. 
Most of the charges now have been reversed from the XXXX charges. I finally filed a XXXX complaint about the rest. On XX/XX/XXXX I spoke with XXXX at the executive response unit department. She admitted on a recorded line that the XXXX was a fraud charge but because I had clicked a dispute on line, they couldn't refund it. She didn't know how to make the computer refund me my money. She also couldn't give me a supervisor name and claimed she reported to the Citi XXXX XXXX XXXX but she said her name was XXXX XXXX! She also did say XXXX late fee and interest was removed but that is not reflected currently on my account. The interest of XX/XX/XXXX from XXXX and XXXX from XXXX all need to be removed. Due to their lateness in removing late fees and interest it did compound and make it impossible to tell what was a new charge that was legitimate versus older ones as they refunded and re charged me them many times over. I want my XXXX, XXXX, and XXXX removed and no further accumulation of interest. I can no longer get into my on line account and haven't gotten statements in three months as I no longer have a card number to log in with! They claim I still owe after that XXXX with no proof of what charge it is for.

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 2023-04-05
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX,, XXXX : XXXX D.O.B : XX/XX/XXXX To Whom It May Concern : I am disturbed that you continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third-party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( S ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter. 
Sincerely, XXXX XXXX XXXX XXXX, all three credit bureaus have different information that is not 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 2023-04-05
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: Public record information inaccurate

Complaint:
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, PA, XXXX,, XXXX : XXXX D.O.B : XX/XX/XXXX To Whom It May Concern : I am disturbed that you continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third-party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( S ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter. 
Sincerely, XXXX XXXX XXXX XXXX, all three credit bureaus have different information that is not 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 non-monetary relief
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, my name is XXXX XXXX, I am a victim of identity theft. I previously submitted my identity theft report with fraudulent activity and now am continuing to still see previous and NEW COLLECTIONS, addresses AND CHARGE OFFS on my credit report. This is very upsetting and I need this fraudulent information removed from my credit report within 4 business days. 
FRAUDULENT ADDRESSES : 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
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: MN
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, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; Medical XXXX Balance : {$96.00} ; Medical XXXX Balance : {$110.00} ; Medical XXXX Balance : {$10.00} ; Medical XXXX Balance : {$75.00} ; Medical XXXX Balance : {$21.00} ; Medical XXXX Balance : {$80.00} ; Medical XXXX Balance : {$210.00} ; Medical XXXX Balance : {$31.00} ; Medical XXXX Balance : {$310.00} ; Medical XXXX Balance : {$28.00} ; Medical XXXX Balance : {$570.00} ; 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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1700.00} ; Medical XXXX Balance : {$96.00} ; Medical XXXX Balance : {$110.00} ; Medical XXXX Balance : {$10.00} ; Medical XXXX Balance : {$75.00} ; Medical XXXX Balance : {$21.00} ; Medical XXXX Balance : {$80.00} ; Medical XXXX Balance : {$210.00} ; Medical XXXX Balance : {$31.00} ; Medical XXXX Balance : {$310.00} ; Medical XXXX Balance : {$28.00} ; Medical XXXX Balance : {$570.00} 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