BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: CITIBANK, N.A.
State: PR
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:
On XX/XX/2022, I submitted a charge dispute for {$340.00} from XXXX XXXX while traveling on the XXXX XXXX XXXX. In addition, a fraud alert was reported of this incident and the Citibank issue another credit card. The dispute was closed, because there was not enough evidence. On XX/XX/2022, I reopen the dispute and stating the security concern about my credit card, because some stores do not require a secret pin or signature. The chip feature on the card allows merchandisers to use a card without the owners consent. That is what happen while in XXXX, where I gave my card to open a tab and then paid cash. After two days, I noticed that I have that unauthorized charge to my credit card. The credit card company suggest to contact the establishment, but I was only in XXXX for a few days and no phone number was available.

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 2018-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I acquired a copy of my credit report from all three credit bureaus in XX/XX/XXXX. I discovered an account called XXXX XXXX XXXX XXXX that was opened in XX/XX/XXXX. This account seems to be for an auto loan and has a balance of almost {$5000.00} USD. I contacted all three of the credit bureaus and reported this as Fraud. They conducted an investigation and disputed the information with the creditor. The results of the investigation came back and the creditor replied that the account is verified and belongs to me. I spoke to the credit bureaus again and they told me that if this account is really not your account, then I should start another investigation and this time the subject of the investigation will be Identity Theft. They also told me that if I submit a personal statement and obtain a police report. Then that can be included in the investigation as documents supporting your case for Fraud and Identity Theft. Once again the results came back with the same results and response from the creditor. I proceeded to resubmit a dispute to the credit bureau XXXX almost every single month. I also contacted the creditor multiple times and the last time I contacted them I was so frustrated and just wanted this inaccurate information off of my account I told the representative that I would just pay whatever money is owed so that they can be satisfied and remove this account from my credit report. I was told they can not do that and if I did that. The account balance would be reported as {$0.00} dollars but the account would still remain on my report until it falls off. In the meanwhile as I was dealing with this, I did receive a correspondence from the creditor with some kind of fraud questionnaire and affidavit. I filled out this information and sent it to them. 3 months have passed by and I didn't receive a single response. I find this company very unprofessional, it seems like they are just playing games and trying to give me the runaround. With the many investigations that I submitted against this creditor they have yet to send any proof that this account belongs to me. If they fail to do so then they are not legally fulfilling their obligation as a creditor in this situation. For more the account should be removed from my credit report immediately. This is causing me personal loss because this account is showing future creditors that I am irresponsible and present myself as potential credit risk for any and all future credit decisions.

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 2023-07-12
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 did not authorize the following inquiries XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: Ditech Financial LLC
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I paid off my mortgage with an insurance check due to a house fire, Ditech received my check as of XX/XX/XXXX. They have paid off my mortgage but I made my last payment on XXXX XXXX the regular payment due. On the payoff details they charged me {$11.00} late fee, nothing was late, and they charged me an additional {$250.00} interest charge though I just made a payment on XXXX XXXX and paid {$260.00} interest. it was like they took my payoff and paid it like it was the XXXX payment that I have already made. I am disputing the {$11.00} late fee and also the {$250.00} interest fee. They also told me my refund could take up to 30 days after payoff even though they have received their money and I am paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been keeping a close eye on my credit report because I have been a victim of fraud. Transunion is very aware of this information yet the do not seem to care or want to help me fix this issue. I have disputed my personal information on multiple occasions and it seems like they just keep adding it back or adding more wrong info to my credit file. This has happened so many times now that I am no longer able to dispute my personal information online and when I call the member service number they still do not want to help get my information correct. I want all personal information removed from my credit report other than my name - XXXX XXXX XXXX, my address XXXX XXXX XXXX XXXX XXXX, MS XXXX, and employer XXXX. There should be nothing else under my personal info at all. Please delete all other information & do not add it back. I have sent TU letters, proof of my drivers license, my social security card, & my XXXX bill and they still insist on not deleting this wrong information. Delete " ALSO KNOWN AS '' and " PREVIOUS ADDRESS '' I have sent you proof that has been notarized. Abide by the law & remove all other information. I have also disputed a new inquiry found on my credit report that appeared on XX/XX/2018 from XXXX. This is an unauthorized inquiry. Please remove ASAP.

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 2022-08-10
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I disputed a number of accounts with all three of the major bureaus in XXXX of this year. I requested a number of things to be corrected or deleted and I have still received nothing and it is now XXXX which is 4 months later. This is completely unacceptable and I will be attaching every letter that i sent as well as proof of delivery to each bureau as i sent my letters certified mail. Under the FCRA this is a major violation and I demand all items removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Law Offices of Robert J. Colclough, III
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have never ordered any product from this company, I have never lived at any address in which it was sent, and it is included in my police report detailing the fraud that has occurred. Please review the attached documentation ( ACCOUNT EIGHT ).

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: EQUIFAX, INC.
State: NY
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:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings.

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
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:
Letter of Complaint : Refuse to Validate Debt For over two years, I have been disputing this debt. Validation letters have been sent to Ive disputed the debt with Experian, XXXX XXXX, XXXX, as well as XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I requested proof of validation. So far, none of the companies have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, Experian, XXXX  or XXXX, no longer respond, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Telephone Communications with XXXX, Experian and XXXX  claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the E Oscar System to input codes is not sufficient verification.

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 2023-04-11
Company: EQUIFAX, INC.
State: NC
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:
there are late payments reported by XXXX XXXX XXXX  XXXX XXXX during XXXX XXXX pandemic.. according to the CARE ACT and The Hero XXXX XXXX XXXX creditors and credit reporting agencies are not authorized to report adverse information to consumers credit files during the XXXX  XXXX pandemic.. we are still in a pandemic and the days reported late was during the pandemic and therefore is unlawful. I demand XXXX XXXX XXXX XXXX XXXXXXXX Remove all adverse information reported during XXXX  XXXX pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/2019 Loan Depot - With an approved / signed Loan Estimate with Loan Depot, a last minute change made to the closing documents that was not communicated to the borrower when closing documents were signed an hour later resulted in the borrower losing approximately 9,000.00. This error was not discovered until after the three-day grace period and Loan Depot is not willing to work with the borrower to resolve the issue. There is an ethical issue when a significant financial change last minute to closing papers are not communicated to the borrower, making this over-sight seem an intentional act when the borrower would not have moved forward with the loan - especially when Loan Depot has stated in writing this was an error on their part.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I financed a car with XXXX starting at $ XXXX and paid for 2 years {$370.00} plus and the vehicle was parked for mechanical issues in a garage and I retained an attorney to negotiate terms because the vehicle became non operative ... the garage placed a lien on the vehicle and it was sold in an auction. XXXX now fails to modify the balance of the vehicle but has magnified it {$3000.00} over from I financed and I paid nearly up +/- {$7500.00} while it was in my pocession ... I called personally on several occassions and each rep was totally uncooperative or willing to assist as my attorney named XXXX XXXX said he endered the same ... XXXX  should be sanctioned for reporting incorrect information or remove this  derogatory marking from my credit bureaus they report to promptly and why I seek your help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 been disputing with Transunion, XXXX, XXXX on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. They send me back a letter that the accounts have been verified and certified. I don't believe that they have been disputing. The 3 accounts with XXXX  have serveral inaccuries Balance amounts, Status, Amount past due These accounts have 3 different amounts and statements on the 3 credit bureaus. How can that be right when they should all be reporting the same information. I have the letters were XXXX sent me that the accounts are 0 deficiency amount. The 3 accounts are Repression 's from XX/XX/XXXX and are still reporting late payment days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
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:
Hello, someone has been applying for credit in my name, there are 86 inquirys on my credit report that I have on Experian, I DID NOT AUTHORIZE any inquirys from XXXX to XX/XX/XXXX I am asking EXPERIAN to cease all reporting of these inquirys as mandated under the FCRA 2009 ( a ) FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. " I am the victim of identity theft and these inquirys are the result of identity theft, under the FCRA 2009 ( a ) ( 3 ) the credit reporting agency MUST cease all reporting of these inquirys if they are the result of identity theft which I have notified Experian of now.

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 2021-04-03
Company: BAM Management US Holdings Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Accidently deposited XXXX to XXXX  address on binance.us created ticket XX/XX/XXXX to have binance recover the XXXX and either send it back to sending address or credit it to account as XXXX. Ticket # XXXX. XXXX replied to ticket and said it was submitted. However on Tuesday XX/XX/XXXX the ticket was closed for comments and had been marked as solved since XX/XX/XXXX even though funds have not been restored. A new ticket # XXXX was made in place of old one. I have heard from others who have had a similar issue on a later date that their problems have already been resolved so I can only assume my ticket was ignored when closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: AES/PHEAA
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I started making payments in the income based repayment plan in XXXX with my loan provider with XXXX in public loan debt. I was told that I was making qualifying payments for the PSFL program once I consolidated my loans and was in the income based plan. I applied for the XX/XX/XXXXLoan Forgiveness {$5000.00} reduction after 5 years of teaching, not knowing that this would wipe out 5 years of payments I made under the income based repayment plan to count towards qualifying payments under the PSLF plan. I've gone round and round with people saying I will give the $ XXXX back and have been told sorry about your luck, which absolutely isn't right. No where did it say I would forfeit this benefit by taking the reduction and I would have never done it had I known this would be the case. I should have 120 qualifying payments in XX/XX/XXXX, but now this has been extended another 5 years and will cost me over $ 20k. XXXX has also lost some of my payments made from past providers and told me they would look for them and do a recount, but it could take a year. It's already been 7 months. Their company is the absolute worst and if you XXXX  this, there are many others out there that they have done this too. You can no longer track how many qualifying payments you have made on their website either. I also saw a recent study where 99 % of the applicants that tried to get their loans forgiven after their 120 qualifying payments were made were denied. It sounds like a scam to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: LAKEVIEW LOAN SERVICING, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
CFBP - closed my complaint ( XXXX ) without checking with me first. My issue has NOT been resolved. 

The letter sent from the servicing provider TOLD YOU that I the customer was to just call the office of the customer at XXXX xt XXXX ( XXXX XXXX ) I did this and was locked into an eternal phone loop that went NOWHERE. 

You may not follow up on this but YOU DIAL the number and see if you get a person. 

This FRAUD is continuing to go on ( because they KNOW CFBP won't do their jobs so it is easy to make fools of them ) and I am writing it here so there is a record to show that consumer complaints are only treated with a quick/weak close with NO INVESTIGATION and you only take the BUSINESS side. 

Try calling the number and extension. Its a small test to VERIFY my complaint that there is no service and the CFPB is not doing anything to actually help the consumer/customer. 

Apply my mortgage payments to the month I pay them instead of trying to ruin my near perfect credit and laundering or hiding my money to pay for their predatory lending practices. 

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 2019-01-24
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
They are not responding to my income based repayment or my public service based forgiveness within a reasonable time. They have far surpassed the dates to respond in a timely manner, and are rejecting my application for unfair reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am in the process of getting a mortgage refinanced. 

I have seen my credit reports from Equifax, XXXX and XXXX. 

XXXX  has information that is not true. They clain deliquincy, balnce of credit relative to available credit is too high, number of accounts with deliquency is too high, etc. 

None of that information is accurate. These are all lies.

Company response to consumer: Closed with explanation