BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION.

( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( XXXX, EQUIFAX, AND XXXX. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE.

ALSO ACCORDING TO THE " GRAMM-LEACH-BLILEY ACT '', FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES.

UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION.

ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. 
XXXX, EQUIFAX, XXXX, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, XXXX, EQUIFAX, XXXX, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and did not make these fraudulent charges. Please review these charges an remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
First, my mortage was sold to Freedom Mortgage XX/XX/2021 without my knowledge. I want my mortgage moved somewhere else. The Interest rates are extremly high and customer service is a JOKE! It took 3 weeks for a escrow analysis. I was given 3 different dates to have this completed and each time, the representative told me that the documents were not uploaded and that it would be taken care of today. I decided to refinance for a lower interest rate and cash out option. Loan Officer XXXX XXXX and discussed refinancing from XXXX to XXXX with cashout $ 20k for home repairs and load goes from {$690.00} to {$590.00} and changed from FHA to Conventional Loan. XXXX did a soft and hard credit check, completed application and never receive a call back within the 20-30 minutes I was told. 2 days later, I called and was told it was denied but of my credit card being XXXX points under their threshold for the loan... what a crock. He was rude and said application denied and there is nothing we can do about it. I do believe race is a factor in this given I had to give them my information. If I was a different race ( privelaged ), XXXX points would have not been a factor! After speaking to at least 7 reps, I get the run around. I was told the loan was pending. I was told the application for in escalation status and would be given a call from a manger. Well, I have heard that 3 times already and never received a call back. I am tired of hearing that things will be taking care of today! It's never today, it's never tomorrow, it's never the next day... Freedom is a NEVER mortgage company! I would give - 10 stars if allowed. Freedom Mortgage doesn't care about it's customers. They are not a fair company. I am currently looking for another lender. I highly recommend choosing another company that cares about you and your home.

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 2021-09-21
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 information incorrect

Complaint:
To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect info for this account XXXX XXXX Account # XXXX. Because accounts that are incorrectly reported by your company and TransUnion, TransUnion XXXX XXXX are different, this means the account has not been properly verified. Please delete this account immediately

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 2017-07-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted Equifax Consumer Reporting department. I have expressed that there is a security Alert on my report for fradulent inquiries. There should be no unauthorized inquiries on my report due to a security freeze. They have stated I need to provide 3 forms of ID to access my report file and refuse to speak to me surrounding my report. I have provided them with the requested information, contacted the companies and they still refuse to remove the inquiries and fradulent accounts from my file. I ca n't even get them to access my file anymore over the phone. I have provided them with the necessary identification but they refuse to let me call in and speak to any representatives.
<P/>
I have provided the letters I have sent and they refuse to remove them. They refused to obtain proof that I authorized the inquiries as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: National Check Resolution Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX  a t NCR ( National Check Resolutions ) contacted me at my place of employment. I have never been in contact with her before today. Called our Corporate  headquarters and we can not receive any inbound calls that are not related to our business. The call was transferred to me. Her contact number is  XXXX  ext  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
ATTN : XXXX XXXX  XXXX RE : FRAUDULENT HARD INQUIRY Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX ( TWICE ON DATE ) XXXX XXXX XXXX XXXX ( TWICE ON DATE ) XXXX  XX/XX/XXXX I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given TRANSUNION furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 

Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information please remove the above-mentioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now you are not doing that. I look forward to TRANSUNION resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.

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 2021-09-21
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
CITIGROUP CONSTANTLY HARASSING ME CALLING ME AT ALL TIMES OF THE DAY. LEAVING VOICE MESSAGES THAT FILL UP MY MESSAGE BOX ULTIMATELY MAKING ME MISS IMPORTANT MESSAGES AND PHONE CALLS. I HAVE ATTACHED THE FOLLOWING SUPPORTING DOCUMENTS.

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 2018-01-29
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
2nd letter sent by certified mail to XXXX, Equifax, XXXX  & XXXX XXXX they all have lied they Never Ever received my letters to have all of the accounts I listed should be VALIDATED not a verification VALIDATED they have refused to start an Investigation started stating no Certified Mail was received which is a Lie it was received on XX/XX/XXXX the Investigation need to be done by XX/XX/XXXX tracking information can be given if requested I have spoken with a XXXX, XXXX, all have lied & XXXX was very nasty & rude I DEMAND that all accounts be VALIDATED by XX/XX/XXXX & results be sent by email to XXXX along with all Inquiries listed on credit file to be VALIDATED XXXX on XX/XX/XXXX & XX/XX/XXXX with an Collection acct. under XXXX XXXX # XXXX for {$870.00} that needs to be VALIDATED they have removed Accts from this file that was not disputed or was asked for them to investigate acct named XXXX XXXX XXXX # XXXX I Demand they reinstate this acct. ASAP as this acct wasn't on the list I can provide proof of the accounts that was asked to be VALIDATED listed within the Certified Paper work that was received on XX/XX/XXXX I can provide this proof if requested I WRITE THIS TO INFORM YOU OF THIS FRAUD PRODUCED BY XXXX, EQUIFAX, XXXX  etc. If results are not done by XX/XX/XXXX a lawsuit will be filled on these 3 credit reporting agencies UCC 1-308 WITHOUT PREJUDICE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took out a XXXX XXXX loan and afterwards lost my job and accrued serious medical bills from a XXXX XXXX. I 've paid off over half the loan but am unable to pay the rest right now. Advance Financial calls me from different phone numbers upwards of 15-20 times a day starting around XXXX XXXX central time. Also In the process of making automated withdrawals from my account they over drew my account. I did agree to automatic withdrawal but the fact they caused overdraft fees is very upsetting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and did not make these fraudulent charges. Please review these charges an remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16
Company: EQUIFAX, 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:
My name is XXXX XXXX, I have been on the dispute of the negative accounts and unauthorized inquiries on my credit report. I have sent countless and the inaccuracies have not been fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Atlanticus Services Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an email on Wed, XX/XX/XXXX at XXXX XXXX  stating that I have applied for and been approved for an Aspire Mastercard Credit Card from The XXXX XXXX XXXX. I tried to contact them, but they kept requesting my SSN, which I do not want to provide since I do not know this company and they contacted me first. 

I waited in hopes that this was just a single fraudulent email, but on Fri, XX/XX/XXXX at XXXX XXXX  I received an email that I successfully activated my card. This raised my concern so I called them again and they said that they did not have a record of me being on an account without me providing a SSN. 

Today, Tue XX/XX/XXXX at XXXX XXXX  I received an email about a $ XXXX purchase on " my '' new credit card. I would like to end this harassment and potential fraudulent account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2017 I sent a wire transfer of {$3000.00} to Coinbase using the information that they gave me from their website. The next day I received an email stating that they would have to return the funds because the names on my bank account and coinbase account didn't match. I figured out why they didn't match and i was fine with that. In the email that they sent they stated that it could take 7 days for a reversal to take place. On the website it stated that It could take 7-10 buisness days for the reversal to take place. It has been 60 days and I haven't received my funds as of yet. I've talked to different representatives at Coinbase and I always get the same response, we've escalated your claim to a higher tier.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be updated from my credit reports. They neither saw nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me correct the concerned items for they were found erroneous and inaccurate. 

XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$700.00} XXXX XXXX Balance {$9600.00}

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 2022-02-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$8600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
TRANSUNION, XXXX AND XXXX TOOK 45 DAYS TO INVESTIGATE XXXX XXXX AUYOLOAN NO.XXXX. 
THIS VIOLATES THE F.C.R.A. CONSUMER PROTECTION LAW 'S.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
As I reviewed my recent report, I have found a lot of erroneous information reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXX Balance {$0.00} XXXX FIN LXXXX 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 2020-09-15
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted my required paperwork to Loan Care, LLC on XX/XX/2020 to end my forbearance on XX/XX/2020 and was told I would be contacted within 10 days to go over my options. I called after 10 days and was told that review could take up to 30 days but to call the following week to check on the status. When I called the following week as suggested, I was then told it would be 30 days for the review to be completed, period. After waiting the 30 days from submittion, I called again for an update, waited on hold for over an hour and a half, and then was told that loss mitigation closed while I was on hold and that my paperwork would not be reviewed until my forbearance period ended. I requested that I could speak with a supervisor since each time I call I'm given a different response. I was told that a supervisor would call me before the end of the business day, but that call never came. So, on XX/XX/2020 I waiting on hold for another hour and a half to be told that review times are now taking over 45 days. While speaking a customer service repesenative, there were kids screaming in the background and somehow the call was disconnected and I was placed back on hold. After waiting another hour on hold, I gave up. 

While I understand that these are not normal times, I would expect that mortgage accounts would be handled in a more timely and professional manner. I called again today, XX/XX/2020, and was told that they could extend the forbearance until they have completed the review of our account. I explained that I do not want to further our forbearance since that would further delay our ability to refinance in the next few months. I was again put on hold for another hour and gave up. 

Now our forbearance will expire on XX/XX/2020 and the only option we are currently given is to extend our forbearance which is unacceptable.

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 2022-02-16
Company: Navient Solutions, LLC.
State: PA
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:
I have a XXXX loan, originated in XXXX in the states of California and New York, that Navient apparently took possession of at some point. Navient says it's a private loan that they own. I have called numerous time ( XX/XX/XXXX, XX/XX/XXXX ) and emailed ( XX/XX/XXXX ) requesting a chain of title and/or a promissory note proving that Navient does in fact own my loan. They have been unable to produce such legal documents. I have reason to believe that my loan should be fully discharged on the grounds that Navient does not own my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation