BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of 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 have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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 2017-11-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX AND EQUIFAX FAILED TO ANSWER DISPUTE WITHIN 30DAYS AND ARE STILL REPORTING XXXX  XXXX XXXX  ACCOUNT NO.XXXX ANDXXXX AND XXXX. THESE ACCOUNT ARE CLOSED AND INCLUDED IN BANKRUPTCY CHAPTER XXXX CASE NO.XXXX. 

AND XXXX XXXX XXXX NO. XXXX DISPUTED UNDER THE FAIR CREDIT BILLING ACT. 

ALSO, INCLUDED IN BANKRUPTCY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Statebridge Company
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: Investigation took more than 30 days

Complaint:
Loan was discharged in XXXX Bankruptcy Statebridge purchased loan in XXXX and now reporting negative information on credit report. Also reporting date opened XX/XX/XXXX I filed complaint with CFPB Statebridges records indicate that this loan was modified with XXXX XXXX XXXX, XXXX on XX/XX/XXXX 1 ) A loan modification does not re-establish liability on the loan. While the terms of the loan might change, the loan is not being refinanced. Refinancing the property into an entirely new loan would re-establish liability, but not a loan modification. This is a major distinction. 

I DID NOT RE AFFIRM LOAN 2 ) How is open date of XX/XX/XXXX possible when they claimed debt was re-activated on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Experian Information Solutions Inc.
State: DC
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 writing to dispute the following information that appears on my consumer report. The source of dispute information is XXXX XXXX XXXX XXXX  XXXX. The type of disputed information is Joint Accounts category of disputed information. The dates associated with item being disputed are XXXX, XXXX and XXXX. The explanation for why this item being disputed is because this charged-off student loan account with XXXX XXXX  is showing as in collection with associated late payments. However I have settled this account in full as of XX/XX/XXXX. XXXX XXXX  provided a letter from XX/XX/XXXX and XX/XX/XXXX showing that this account has been paid-in-full charge-off and that the account has been settled in full as of XX/XX/XXXX. XXXX XXXX  also provided me with a Tax Statement for Year XXXX ( Form 1099-C ) with which I filed my XXXX tax return.

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 2016-07-21
Company: Big Picture Loans, LLC
State: OH
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Applied and approved for a loan from Big Picture Loans in the amount of {$800.00}. When signing the finance agreement, It only mentioned a single finance charge of {$280.00} which was acceptable which is about 35 % Interest. Through a bate and switch, I discovered that I would have to pay 5 payments of {$280.00} which the lender calls a finance charge which has little to no impact on the principal. The truth in lending that was not present at the time of signing shows a 989 % APR with {$6000.00} in finance charges and a {$6800.00} in total payments. I 've called the lender 5 times to resolve this issue and each time received numerous runarounds and call disconnects.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: SC
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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of 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 have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello. I have a mortgage with Mr.Cooper. I got behind on my payments and contacted Mr. Cooper on XX/XX/XXXX to receive the payment amout to avoid foreclosure. The amount provided was XXXX. I was able to procure the funds that very same day. When I called back on the afternoon of XX/XX/XXXX I could not get through to Mr Cooper on  their phone lines or make the paymentonline. When I finally reached them a few days later they admitted they did have phone issues beginning on XX/XX/2020. 

The issue is now they are saying that the amount to pay to avoid foreclosure is XXXX. 
My argument is that I could not get through to them on the XXXX to pay the amount when it was XXXX. I was told there is nothing that can be done and am still waiting for a supervisor call back that I presume after this amount of time will not be happpening. This appears to me to be not only extremely unfair but possibly illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: KEYCORP
State: KY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
When I enrolled in my college ( XXXX XXXX XXXX, XXXX XXXX, KY ) I followed the advice of my XXXX and did exactly what he recommended, in terms of credit load. He ( and the professors in the education department ) recommended following a XXXX year plan to ensure that I would be able to manage my classes and classroom/XXXX hours. What they did not tell me is that my federal aide was only good for XXXX years. So I continued following their recommendations and the summer before my fifth year I received a statement letter saying I would receive XXXX dollars in financial aide. I was absolutely panicked and neither me or my parents knew what to do. I had very little guidance and wht I did get from financial aide office was vague. I had no idea that the private loan I was getting would leave me with such high monthly payments and that they would not budge in the amount of those payments. I was a college kid living with my parents and relying greatly on their knowledge and that of the student aide people, confident that both knew what they were getting me in to. What I 'm most upset about is that I was a XXXX student, I could have, and would have carried a heavier course load to get done in XXXX years, had I known I was losing all my federal aide that fifth year. If that was explained to my parents, they failed to tell me but I do n't think they were aware of it either. I have XXXX dollars of student loan debt and I make about XXXX. The federal loans are manageable because of government programs like XXXX plans. The private loan through Key Bank, totaling about XXXX, is not manageable, with payments of XXXX a month. I have XXXX young children and bills are getting heavier and heavier. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion  XXXX .  XXXX   XXXX ,  XXXX , CA  XXXX   XXXX   XXXX .  XXXX   XXXX ,  XXXX , TX  XXXX    XXXX    XXXX . Box  XXXX ,  XXXX , GA  XXXX  Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made.     XXXX   XXXX   XXXX   XXXX   XXXX   The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within  four  business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA  605B ( b ), 15 U.S. C.  1681c-2 (  b ) .III. A. Blocking Information in Credit Reports under  Sections-605B and 623  ( a ) ( 6 ) Under section  605B  of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA  ( f urnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report.   Sincerely,  XXXX ,  XXXX   SOC  #  XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   fl  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 2021-04-21
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been receiving numerous collections calls for {$510.00} XXXX which are inflated move out costs from my old apartment complex which I paid in XX/XX/XXXX. ) XXXX XXXX XXXX  inflated my bill, had my balance at {$0.00} u til I called just to verify at the end of XXXX. 

I was issued a bill by XXXX in the leasing office for {$510.00} which I paid within hours ( to be sure I would stay in good standing with the housing authority. I knew the costs were inflated but because of the complexs business practices, I wanted to pay and hope for rectification later. 
The apartments sent me to collections on XX/XX/XXXX despite me already paying. I believe its partly in retaliation to me leaving a truthful u flattering XXXX review and them being biased with regards to housing recipients. 

I have been and am STILL receiving unwanted and unwarranted collection calls from XXXX XXXX even after providing proof of payment of the debt which is invalid to begin with, Ive still been rudely and aggressively harassed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Credit inquires improperly reporting on my 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 2020-04-09
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
on XX/XX/2020 Citibank Credit cards charged me {$1100.00} on my credit card as the minimum monthly payment. The minimum payment had consistently been around {$200.00}, but they took over {$1100.00} and caused my checking account to be overdrawn and charged overdraft fees of {$220.00} so far. When I called the Citibank they said that there was nothing they could do because the money had already been taken out of my bank account and applied to my credit card balance. To have this happen at the time of the coronavirus outbreak when I am experiencing reduced income is unfair. At this point I am unable to buy necesseties as my bank account has now has a negative balance.

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 2021-03-23
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
THEY REFUSED TO EBILL ME CLOSED ACCOUNT AT XXXX/XXXX XXXX XXXX CC XXXX XXXX, XXXX XXXX XXXX, CA XXXX. 
THEY SAY ITS COMPANY PLOICY NOT TO PROVIDE EBILL FOR CLOSED ACCOUNTS! 
ACCOUNT HOLDER XXXX XXXX LAST 4 DIGIT 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 2020-10-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
EQUIFAX had a major data breach in XX/XX/XXXX, after which I placed a freeze on my account. 

They issued a PIN number to be used to unfreeze the account, which I dutifully kept for 3 years. 

When I wanted to refinance my mortgage, I needed to unfreeze my account. 

HOWEVER, Equifax is making it impossible to unfreeze my account online ( which I tried ), or over the phone ( which I also tried, after correctly answering 8-10 questions about my credit history through their automated system ), and they no longer accept the PIN number they issued. 

They are asking I FAX or MAIL a copy of my driver 's licenses and social security card. No one has a FAX machine anymore, and MAIL is unreliable. Due to the delays, I will incur costs if the rate on my mortgage changes between now and when EQUIFAX decides to stop holding my personal information HOSTAGE. 

EQUIFAX should be barred from the industry. They are not serving their customers or fulfilling their duty!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Sunday Night, my access to USAA was suddenly frozen, I was kindly ask to submit identification documents and I did. On monday in the day I was told everything was restored and I was able to access my accounts again. 

Not even 10 hours later - I am trying to buy groceries for my family, and my access is restricted again. 

I call and get an extremely rude agent who said I cant have my money for 60 days and that theyre closing my account ; and theres nobody I can speak to. 

Ive been a loyal USAA member, no overdraws never missed a credit card or insurance payment. 

Being a physician and working during this COVID-19 crisis I can not be working these long hours and dealing with banking issues at no fault of my own. I also need access to my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Riverwalk Financial CORPORATION
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/2020 ; I contacted XXXX  XXXX XXXX  to advise them that due to the pandemic they have cut my hours and J can not afford there services. They told me I had to cancel there services. I went on there website and printed and signed the cancellation form they had on line and sent it to them to cancel. They called me back and told me they will not honor the cancellation and that they are going to hold me to the contract. They then debited my account for {$190.00}. Prior to this they did not have all of my information and still debited my account. There aggressive strong arm tactics are unfair due to this pandemic that caused myself and so many Americans to be unnecessary hardship.

Company response to consumer: Untimely response
Consumer complaint received 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
the 3 credit bureaus are not updating inqyueries that are posted on their credit reports.my fico has the latest updates and is reporting currently.

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 2015-12-02
Company: Frederick J. Hanna & Associates, P.C. (closed)
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
XXXX XXXX XXXX claim that notification was sent to an address that was and address that was a temporary that I had n't use for 3 years, even though they had my correct address. XXXX XXXX XXXX XXXX XXXX went in front of XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with out notifying me and lied to the Judge that he was suiting me for XXXX XXXX Bank alleging I owed XXXX XXXX Bank {$17000.00}, XXXX XXXX believed XXXX XXXX XXXX lie and awarded his a judgement, I was not made aware of this until I went to sale my home on XX/XX/XXXX, I hired and attorney XXXX XXXX of XXXX, GA who arrested on or about XX/XX/XXXX for doing the same thing that XXXX XXXX XXXX does collect checks supposedly for some XXXX else but depositing in he account. Attorney supposedly sent a letter to XXXX XXXX XXXX informing him that instead of me paying him {$17000.00}, I agreed to pay him {$5000.00}, after approx 4 days XXXX XXXX got back with me and informed me that XXXX claimed that XXXX XXXX Bank authorized him to settle for {$11000.00}, because I was leaving to live in the XXXX in I short while I went for it. Then later on I requested a copy of the check ( copy attached ) and noted that it had been deposited in XXXX 's account, I emailed a copy of the check and a letter ( copy attached ) to XXXX requesting a receipt from XXXX XXXX Bank and the statues of and balance of the account. He sent an email to XXXX XXXX but he did not reply to me I emailed XXXX XXXX and got no reply, I requested a friend stop by XXXX XXXX office to see why he did not reply, this friend informed my of XXXX XXXX 's arrest. I am a XXXX service connected Veteran that was unexpected terminated from my Federal employment because this condition that I could not get the VA to address, this caused me to have to go to private doctors for treatment, now I still have medical bills that I expected to use the proceeds from the sale of my home to pay them down. I can not understand how some one can lie to a judge take my proceeds and still lie about it and not give me a receipt from XXXX XXXX Bank because he states he can not talk to me because XXXX XXXX is my representative I do n't think I need to talk to to him to get what I requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation