BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am unable to add a fraud alert on my credit report. XXXX have allowed someone to add a fraud alert for seven years. The alert is in XXXX XXXX XXXX. The person/persons have established credit using my personal information. My original drivers license was stolen, social security card stolen. The names of my former employers have been changed. All of my former addresses have been changed. When I learned I was a victim of identity theft. I went to probate court & changed my name to include my maiden name. It is XXXX. I 've learned from IRS that tax returns are being filed in my name. I 've been told by them to contact XXXX, transunion & XXXX. The Social Security Department told me to contact XXXX & others when I applied for XXXX. All refuse to cooperate. In order for me to survive I need my information correct. XXXX XXXX is posing as a paralegal with the bank ruptcy courts. The loan I had with XXXX XXXX XXXX was refinanced in 2004. The new loan was with XXXX XXXX. The fraud mortgage interest was being reported to IRS. I was under wage earner when this happened. The same applies with XXXX XXXX. Fraud mortgage interest was being reported to IRS, without my knowledge. When I went to the FBI, I was told to pull all of my tax returns. This is how I realized all if the damage that had been done. My mail is being stolen, using my information. I 'm including my drivers license with my name change. XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On the XXXX of XXXX I discovered that my home of 20 years was in foreclosure to be sold on XXXX. Needless to say, I went into panic mode. I immediately called my mortgage company to see if there was anything I can do. I spoke with a XXXX at extension # XXXX. She stated that I was offered a flex medication in XXXX and why I did n't take it. I told XXXX I never received the information. XXXX put me on hold for 5 minutes and came back to the phone and stated she just spoke with the loss mitigation department and they said I had to make those trial payments. I ask XXXX how much do I need to pay now. She gave me a figure of XXXX. I made a payment of {$600.00} on the XXXX of XXXX I made another payment on the XXXX of XXXX for {$600.00}. Called Ditech on the XXXX and spoke with a XXXX at extension XXXX. She stated the trial payments should have been {$630.00} for XXXX, {$630.00} XXXX and {$630.00} for XXXX. So my last payment should be {$710.00}. Called on Friday the XXXX of XXXX to make the last trial payment of {$710.00}. Spoke with XXXX at extension XXXX. I told her Ditech has been working with me on the flex medication and I wanted to make my last payment. She would n't except my payment.I ask to speak with a supervisor, but she said she could n't find one. However, she stated she was going to e-mail someone over in loss mitigation and she would get back to me on XXXX. XXXX did contact me on XXXX the XXXX and stated someone e-mail her back from loss mitigation and stated to make last payment as soon as possible. I called back again on XXXX the XXXX and demanded to speak with a Supervisor. Spoke with a XXXX at extension XXXX. She informed me thet the flex medication was not submitted properly and that she would submit today.Now they tell me flex medication has been denied. I dodnt want to loose my home. Please help me please. 
Thank you so very much.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Transunion dispute number XXXX. I am not allowed to view the details of my dispute. This dispute was initiated on the XX/XX/XXXX. Upon investigation on XX/XX/XXXX I saw that my dispute began XX/XX/XXXX that day has not yet passed. I have tried to access the information via internet and phone. I 'm given an error message that states my information can not be accessed at this time. When I call there is no information about anything available pertaining to my case number

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 2022-03-02
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My joint ( my spouse and I ) personal account at CITI was compromised on XX/XX/2022 around XXXX XXXX. A fraudulent domestic wire for {$27000.00} was made using our checking and savings account. My phone was also hijacked through a sim swap at the same time. Therefore I wasnt made aware of this transfer until I was able to fix my phone. At about XXXX, the same day, XX/XX/2022, we informed the CITI fraud department and I was told that everything has been blocked. We also called the wire transfer department at XXXX on XX/XX/XXXX and were told that the wire transfer was cancelled. 

We are now been informed that wire was actually released within one hour of request and we dont have those funds anymore. We have filed a case with our branch by filling an Affidavit of Unauthorized Online Wire Transfer. Attached below Please take immediate action as we are a middle class family and this is our primary bank account. This has huge repercussions for us and has impacted us deeply and affects our ability to pay for our basic necessities like food, health insurance, childcare etc. It is a loss that we can not accommodate and it is due to no fault of ours. 
We are long standing customers of Citibank and rely trustingly on our banking institutions for the security of our funds.

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 2017-11-10
Company: Premier Portfolio Group
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Repeated phone calls/messages left daily for months and months to my cell phone saying i have a bad check I have told them I do not and never had any bad checks to anyone I have asked them numerous times to send any collections they may have to me in writing to my home address They never have done so. In months I have asked them numerous times to stop calling my cell phone They still continue daily for months! 

I have emailed them and sent a letter to the address they gave me asking for the calls to stop including the hopefully last time today What else can i do Please get these calls stopped

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Diversified Adjustment Service, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Diversified Adjustment Service, Inc sent electronic notification of a debt that I sent a debt validation request requesting information on the alleged debt including a request of the original contract with my signature. I also informed them to cease and desist contacting my numbers. They have continued to contact me via email and by phone calls. I have again requested the representative to cease and desist contacting me and she hung up on me without verifying the cease and desist would be confirmed. Additionally they have failed to send 100 % verifiable and 100 % accurate information of any contracts with my signatures on it to confirm that the debt is valid.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: TN
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/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( 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 30 days so they should be deleted promptly. I demand these accounts should 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 2017-07-08
Company: EQUIFAX, INC.
State: TN
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 am unable to add a fraud alert on my credit report. Equifax have allowed someone to add a fraud alert for seven years. The alert is in XXXX XXXX XXXX. The person/persons have established credit using my personal information. My original drivers license was stolen, social security card stolen. The names of my former employers have been changed. All of my former addresses have been changed. When I learned I was a victim of identity theft. I went to probate court & changed my name to include my maiden name. It is XXXX. I 've learned from IRS that tax returns are being filed in my name. I 've been told by them to contact equifax, XXXX & XXXX. The Social Security Department told me to contact equifax & others when I applied for XXXX. All refuse to cooperate. In order for me to survive I need my information correct. XXXX XXXX is posing as a paralegal with the bank ruptcy courts. The loan I had with XXXX XXXX XXXX was refinanced in XXXX. The new loan was with XXXX XXXX. The fraud mortgage interest was being reported to IRS. I was under wage earner when this happened. The same applies with XXXX XXXX. Fraud mortgage interest was being reported to IRS, without my knowledge. When I went to the FBI, I was told to pull all of my tax returns. This is how I realized all if the damage that had been done. My mail is being stolen, using my information. I 'm including my drivers license with my name change. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've sent Transunion necessary information letting them know that the information on my credit file with US Dept. of Education is NOT valid. I 've sent the company information asking them to validate the debt with the original indebtedness to no avail. The mail keeps getting returned to sender to me after multiple attempts. The information on my credit report is the information I 've use to send to the creditor.

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 2017-07-08
Company: CASH AMERICA INTERNATIONAL, INC.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Pawn loan
Issue: Charged fees or interest you didn't expect

Complaint:
Obtained a loan of XXXX $ on two gold rings from XXXX in XXXX Indiana. This is my first pawn ever so I am not familiar with process. I had to pay off by XX/XX/XXXX a total of XXXX . I went to pay off on XX/XX/XXXX but was not aware that I had to pay finance charge of XXXX . I was short and made arraignments to pick up the next morning after I paid the XXXX $ for the interest that had occurred. The next morning they said I owed XXXX $ more dollars plus the XXXX . I paid on time and even the next day XX/XX/XXXX I was still on time but the would not except my XXXX $ and give me my rings. They said it was the way payment was loged in system and payment could not be voided because it happened the prior day. This is wrong, very very wrong. Now I have to pay a total of XXXX $ on a XXXX $ three month loan in which XXXX $ is interest for another 6 months that I did n't ask for or need plus financial charge. Wrong wrong wrong. The literally just robbed me in broad daylight and since the have my rings I am powerless to do anything but pay it. When I asked if the XXXX $ is all I will owe in 6 months they replied " ca n't promise you that no ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
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:
FAIR COLLECTIONS & OUT Originally : XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX {$4800.00} I have reported to this company that this account is fraudulent and affecting my credit and they will not remove. My child has XXXX and tried to lease a home close to services and was denied because of this.

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 2017-11-13
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out an {$800.00} loan through Big Picture Loans. I spoke with a customer service representative on the phone before taking out the loan, and was informed that my total pay off of the loan would be a reasonable sum just over {$1000.00}. Once the loan was approved and the funds deposited to my account, the loan documents became available showing that they are charging me an interest rate of 697.0935 % interest and the finance charge is {$2000.00}, which I never would have agreed to had it been disclosed to me by the representative. Instead of the monthly amount of {$210.00} that I was made to believe would come out of my account, they are charging me {$210.00} every 14 days where nearly {$200.00} of that is going directly to interest. To date I have made two payments and have paid {$380.00} in interest and {$46.00} to the principal. This is an outrageous amount of interest and is illegal. For an {$800.00} loan, I will end up paying nearly {$3000.00}. I am fine to pay the remainder of the original loan with a legal interest rate. However, I will not continue to pay an illegal amount of money to a company that is scamming people. I have been researching this company and have found that there are numerous complaints about this illegal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
1026.13 ( b ) ( 3 ) Effective Date : XX/XX/2017 Time for resolution ; general procedures. The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period ; and The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice. <P/>USAA failed to mail or deliver written acknowledgement of my reassertion of the previously settled billing error of a year ago which was without any notice, documentation, statement or information. Yet, prior to even speaking with me electronically delivered a statement saying they finalized the reassertion. Yet, they restricted my access to view the statement and failed to provide any documents, information, or anything regarding this decision. Furthermore, they asserted I was required to speak to XXXX regarding this issue. XXXX, openly admitted to failing to respond to my many calls, notices her colleagues sent her, her boss as well as their own boss to contact me. Prior to speaking with me USAA stated the re-investigation was complete. Yet when in speaking with XXXX, she stated despite my many requests for documentation and a re-investigation of the case she had never been notified of my many requests. So how can USAA finalize a re-investigation without providing the results or any requested documentation only to later state they never received the request. Furthermore, since that request was finally acknowledged a month ago I have yet to receive acknowledgement, the requested documents, or a detailed explanation. <P/>
As two of my cards are under current dispute and have yet to be acknowledged in writing it is against federal regulation to negatively report said accounts on my credit report. Yet USAA for the last 3 months has reported both accounts as having their dispute settled without having notified me. Additionally USAA has negatively reported both accounts as being at or near their credit limit. The XXXX  card was paid in full, minus the remaining disputed amounts I still have not received a response on. While the XXXX was only somewhat near it 's limit due to USAA 's reversal of the billing dispute finalized over a year ago. Thus they have incorrectly stated the disputes are finalized, and reported multiple negative items. Furthermore, it is against regulation to close accounts while under dispute. Yet all of my accounts were closed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a $ XXXX mortgage with Bank of America and it was rejected without merit after we had agreed on terms and upfront costs were paid for. I locked my rate on XX/XX/2022 and paid for an appraisal ( {$790.00} ) and credit report ( {$30.00} ) that day. After XXXX weeks of onerous and repetitive document requests, all of which we obliged, the mortgage was canceled and no reason was given. I believe it was because interest rates had risen since my rate lock and they didn't want to hold a loan on their books with my interest rate. The reason I believe this is that On XX/XX/2022, I completed an auto loan with Bank of America ( Loan # XXXX ). Neither my nor my companys creditworthiness was in question just a few days before when this auto loan was consummated. I have excellent credit ( XXXX ) and my company makes over $ XXXX profit yearly. At the time of the loan I had nearly $ XXXX cash deposits at the Bank. 

My loan XXXX XXXX XXXX was rude and made no attempts to understand my company 's business model. On the day the mortgage was canceled she called and XXXX apologized but could not give a reason for canceling the loan. As a result of their canceling I have suffered damages since interest rates have risen substantially during this course of time.

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 2022-02-02
Company: Experian Information Solutions Inc.
State: CT
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:
As a consequence of your investigation, my credit file was not repaired. My report comprises accounts that are the result of identity theft, as I've already said.

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 2017-11-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a dispute letter to Experian on XX/XX/XXXX, tracking number # XXXX in regards to a few accounts on my report that are inaccurate. Experian received my letter on XX/XX/XXXX at XXXX. Experian failed to verify the accounts with adequate proof, with my signature, that these accounts belong to me within the 30 day time frame. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, Experian was unable to provide me with a copy of the verifiable proof that they have on file for the accounts listed within 30 days of receipt of my letter, and they must remove these accounts 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 explanation
Consumer complaint received 2017-12-28
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XXXX XXXX I received 1 call per hour for 6 hours. To me this is harassment. All because my payment is 10 days past due in the amount of {$85.00}.

Company response to consumer: Closed with non-monetary relief