BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-03
Company: ASSURANCE FINANCIAL GROUP, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We started with Assurance Mortgage for our Mortgage Refinance on XX/XX/2020 with XXXX XXXX XXXX, and was locked in for 45 days. 45 days pass and nothing is getting done due to COVID. XXXX goes to another department without letting us know, so they give us XXXX XXXX on or about XX/XX/2020. He tells us we will have to pay {$7000.00} for a rate lock extension or wait another month to rate lock., and he was unsure why XXXX gave us a 45 day rate lock instead of a 60 day. This is NOT our fault, as it is the company 's fault for taking so long. Due to the horrible communication with us during the process, we decided to go with another mortgage lender. We canceled our loan on XX/XX/2020. We did not feel comfortable with assurance handling the next 15 years of our life ( or until they sale it to someone else. ) We needed a transfer of appraisal and Assurance sent THE WRONG address and information to the new mortgage company. This has to have been a Violation of personal information, and negligence for them sending the wrong information. NOW we still are fighting with them through the process. Still dealing with the appraisal transfer, now their compliance department will not allow it. WE PAID FOR IT. They are holding our appraisal hostage. This is against the law.

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 2022-04-18
Company: Experian Information Solutions Inc.
State: MD
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 The Fair Credit Reporting Act these listed accounts has violated my rights of privacy and the Consumer Reporting Agencies are complicit. 
account # XXXX XXXX XXXXl account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX frontline as 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 states a consumer reporting agency can not furnish a account without my written instruction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-30
Company: CITIBANK, N.A.
State: WI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have filed a charge back with my Citi Card for a charge from XX/XX/2019. I got electronic paperwork from Citi on XX/XX/2019. They stated they would not honor my charge back without more evidence from me. They also stated that it included the merchants response in the letter to my charge back request. The merchants response is not included and I can not make a proper rebuttal to the merchants claims without it. I have included a copy of Citi 's electronic correspondence with this complaint.

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 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I submitted a dispute to Transunions website for an account to be removed from my credit history, which I had submitted additional documentation showing that the original creditor of the account had canceled the debt. The other 2 major credit bureaus have since removed this account from my credit profile. However, I was supposed to receive the results from Transunion and upon calling them on XX/XX/2020, they have told me they never in fact received my dispute submission. I was also told that this occurred because I had a free account, which is illegal for me to be charged to make a dispute regarding anything on my credit report. I was told that I could resubmit another dispute, which is wrong to have to wait another 30 days, then they told me I could send my dispute via mail. Which I have an issue with because electronic submission is supposed to cut out the incidence and of your information being lost or not received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I HAVE REQUESTED THE FRAUD ALERTS TO BE PERMANATELY REMOVED FROM MY CREDIT FILE. XXXX HAS REFUSED TO REMOVE THE FRAUD ALERTS ON XXXX OCCASIONS.

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 2023-01-16
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:
On XXXX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over XXXX days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25
Company: GMA Investments, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After speaking to my insurance company regarding payment of the claims, my insurance informed me that they had requested the company call them and/or submit additional information regarding the claims. My insurance company informed me that because XXXX XXXX did not communicate and respond to them the claims were not paid. 

After my dispute of the 8 different collections on my credit reports ( XXXX, XXXX and XXXX   ) it appears the XXXX removed the collections in XXXX, 2019 and resubmitted them as new in XXXX, 2019.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-05
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: Information belongs to someone else

Complaint:
I submitted a complaint last XXXX, XXXX and it was closed immediately. I submitted a complain again last XXXX, XXXX and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them 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 non-monetary relief
Consumer complaint received 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. XXXX  XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 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 2020-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
XXXX XXXX on XX/XX/18 shows on Inquiries on my credit report in which I did not request any new credit or credit increases or ask for any thing from 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 2023-09-26
Company: EQUIFAX, INC.
State: KS
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:
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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03
Company: Alorica Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Im a XXXX XXXX Veteran. I took a Loan out with the Original company named XXXX. In XX/XX/XXXX, A company named SST took over and changed name to SST XXXX. Since that Time, they have ruined my credit. After the first six months of SST taking over they did not report any Monthly Payments the any of the Credit Agencies. I called over 40 times to get this resolved. It never took place. Then Covid-19 hits the country and My family is affected Directly. I call and ask for assistance and they make me send in Medical records for my mother as verification. Then tell me they will let me know within 7 days if I am approved for relief. Then about 3 weeks later I call and they tell me I was approved and I needed to make a payment. I had made a payment on the previous month already. They never gave me the relief and ruined my Credit. Finally when I missed a Payment they reported it to the XXXX XXXX. I settle my account with them on XX/XX/XXXX. They have yet to report to my Credit Report and have not update thier account. This Company is a FRAUD AND NOT LEGIT. IT IS A RIPOFF AND SHOULD BE INVESTIGATED! 


XXXX XXXX XXXX XXXX XXXX VETERAN

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Experian Information Solutions Inc.
State: AL
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 received a notification in XXXX of 2020 that I had a late payment reported on my credit. XXXX XXXX  holds my mortgage and I set up my account for autopay months before that. They had an internal error and did not pull my mortgage payment in XXXX and failed to notify me of the mistake. They reported a late payment on my credit even though it was their fault. I called them and two customer service agents told me that it would be removed. It's still being reported on my credit file and they haven't taken it off yet. It is killing my score and needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
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:
they are reporting a collections and negative account on my transunion credit report that does not belong to me this account and balance are not mine and they were to removed these from my credit reports months ago please remove this incorrect information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: CITIBANK, N.A.
State: OR
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:
Since XX/XX/2020, someone has been applying to credit cards under my name. The cards they applied to were XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, citibank, and more. I've called some of the credit card companies to terminate the application and they said the person who applied has all my personal information including my social security. I've sent a police report and set up a fraud alert on my XXXX account, but they are still applying even today.

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 2023-04-28
Company: EQUIFAX, INC.
State: AR
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 Credit Bureaus 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 XXXXXXXX Balance Owed : {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: Experian Information Solutions Inc.
State: KY
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:
Hi, My name is XXXX XXXX. I had an checking account with XXXX XXXX XXXX from XXXX to XXXX, until I decided to close the account. A payment posted XXXX or XX/XX/XXXX resolved in a negative balance of {$130.00}. I paid this balance off when It happened, at the XXXX XXXX XXXX Branch in XXXX, ky. However, XXXX XXXX XXXX erroneously reported this balance to all 3 credit report agencies. Ive been dealing with this issue for 5 years now. Ive spoken to the banking branch where I paid the balance due and couple of customer service representatives and they give the runaround. I was told they would update the credit agencies but yet it still shows as a derogatory mark. Please help me, CFPB.

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 2020-11-03
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Called Westlake financial to discuss why there is a daily interest fee with the interest already paid which at the end of my agreement due to this i will have paid double my financed vehicle that's a rip off I have already paid XXXX for this car and still owe alot i signed the contract under the assumption or understating that i would pay XXXX for the car with interest yet when you call them to discuss they act like they have no idea what your talking about or they agree its not right or they hang up no help or try to solve or explain their practices. I asked why if im paying the principal now is not my whole payment of XXXX going to that and its not only half is XXXX a month this just don't see legal or right. so I see predatory lending from this I look up review on this company and there a lot of bad ones with the same situation. I really think this needs to be addressed asap. They also had a class action law suite that they lost for collection harassments few years back something needs to be done with this company. getting rich from scams

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 2023-06-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2019-11-25
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX I was charged {$270.00} INTEREST CHARGE ON PURCHASES made on XX/XX/XXXX of {$910.00}. I was never explained that I will pay interest on the whole original purchase amount instead and APY of 29.99 % on balance remaining. This company terms are predatory deceiving and should be illegal.

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 2023-09-30
Company: EdFinancial Services
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
On XX/XX/23 I applied for an Income Driven Repayment Plan with my student loan provider, Ed Financial. I chose a graduated extended payment plan. They usually application approval period is 2-4 weeks. They told me it could take up to 25 business days to process. I have checked my online account and called them to follow up. It has been over 6 weeks since the application was submitted and I still do not have an answer as to why or not I have been approved.

Company response to consumer: In progress
Consumer complaint received 2019-11-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I keep making extra payments to PennyMac which are stipulated to be applied to the principle. I have automatic payments monthly which have NOTHING to to with the EXTRA payments that I am making. Repeatedly since at least XX/XX/2019 PennyMAc has been reversing my extra payments. The money is taken out of my bank account and into PennyMac and applied to my principle for a day and then REVERSED. The money is NOT put back in to my bank account and I have NO idea where it is. I have contacted PennyMac MULTIPLE times about this and they keep doing it. I have written many times online and I have called MANY TIMES. I have spoken with XXXX, XXXX and XXXX to name a few. I demand that PennyMac appropriate my funds as allocated and I demand that I get adjustments for any interest accrued from their mistakes.

Company response to consumer: Closed with monetary relief