BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 

I entered a consumer credit transaction with the following companies : 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 XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are claiming they originated the credit I extended to them in which constitutes fraud. Pursuant to Federal Law, they have committed fraud and several violations of the FDCPA and TILA. 

I pulled my credit report and disputed items on my report to XXXX, XXXX AND TRANSUNION. They have not provided me with any original documents, and they have disregarded the law in saying they have verified the debt. Fair Reporting Act Section 609 ( a ) ( 1 ) ( A ) states you are required by federal law to verify through physical verification of the original signed consumer contract. I asked for verifiable proof ( an original consumer contract with my signature on it on 2 occasions : XX/XX/2021 & XX/XX/2021. The failure to positively these accounts has hurt my ability to obtain credit. They have taken advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything they have ruined my character and general reputation by reporting erroneous information on the consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. They act as if they are unaware of what I am requesting or that the law does not apply to them. 

In addition, per the Fair Credit Reporting Act they didnt notify me of the investigation results within 30 days. 

Thank you

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 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Trans Union LLC is reporting lots of inaccuracies in my report. I have been sedning letters to since XX/XX/XXXX TransUnion. 
- XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX It is over 120Days i still do not have a response or report of investigation, i belive nothing has been done about it This is absolutely not acceptable. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted 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 2021-02-17
Company: VW Credit
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I am in total disagreement with my final bill of {$1700.00} calculated by VW credit bank regarding my XXXX XXXX XXXX First, all 36 payments stipulated in the contract were made including XXXX, XXXX and XX/XX/XXXX which are now billed as deferred payments. 
I returned the car one month before scheduled XX/XX/XXXX and I leased a new XXXX XXXX on XX/XX/XXXX. 
I was even told on the phone that I had a credit for {$580.00} that it will be sent in a bank check by mail. In a XXXX telephone call a customer representative revised and change return date from end of XXXX to end of XXXX, Based on this information I went ahead with a new lease signed on XX/XX/XXXX. No remainder payment was due on that date. 
Today XX/XX/XXXX a final bill indicates 3 deferred payments already been paid in XXXX and XXXX ( made together on XX/XX/XXXX ) and XXXX ( made on XX/XX/XXXX ). 
Finally, I am also aware that I was charged on XX/XX/XXXX {$350.00} ( fees? ) I would appreciate a revision and explanation of final payment. 
Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-02
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
There are too many inaccuracies in my report and i have filed disputes with EQUIFAX on the dates below EQUIFAX. 
- XXXX XXXX XX/XX/2022 It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX, XXXX, my wife and I logged into USAAs website to learn more about a VA home loan refinance. We were very interested in what the VA IRRRL  program listed about reducing our current interest rate of 3.750 % and shortening our 30 year term considering that I am a XXXX XXXX XXXX  XXXX veteran on a fixed income. The rates 2.625 % and 2.633 % APR looked very attractive and we wanted to get started right away by talking with a loan officer. I called and was introduced to XXXX XXXX who discussed the program in more detail- including that USAA temporarily suspended their cash out program, which was of interest initially to us. I ran out of time having to attend a VA appointment, so we scheduled a call for the next morning. 

On XX/XX/XXXX, I received a call back from XXXX to proceed with the application. After giving my approval for a credit check, XXXX said that my XXXX score was XXXX and my wifes was XXXX - both outstanding. A new mortgage loan acct was created based upon the following quoted to me by XXXX : * estimated closing dates- XX/XX/2012 * escrow estimate - {$3200.00} * estimated closing costs - {$0.00} * LOCKED IN RATES - 2.875 % and 2.9160 % APR * {$800.00} principal & interest pmt * opt in for disclosures electronically completed anticipating to receive documentation of loan estimate. 

XXXX then congratulated me on the new loan and said I was to expect a call next from another loan office with the intent to proceed/ intent to close. He said that from there on out the loan would be transitioned to a processor, who would be my main point of contact going forward via phone or email. Thats why I was surprised to receive a voicemail message from him later that day after business hours explaining that he had more disclosures to discuss with me. 

The next day he called, saying because of a problem with the VA IRRRL program being so specific I was now looking at refinancing at a higher interest rate ( quoted 3.0 % ) and the need to possibly have to lengthen the term from 20 now to 30 years! Understandably, my wife and I were both flabbergasted and requested to take the matter up with USAA higher management. The solution he gave to remedy the problem never involved anything I had previously agreed to, nor ever would.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2017-07-01
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have used credit cards for years. I have had no problems paying my bills. However, whenever I have had dealings with Synchrony Bank, they fail to notify me of my payments. They charge me late fees. Not only have they done this to me once but several times. I contacted the company in  XXXX   2017  about this and they told me about a glitch in their computer. They did it again several other times and I had to call them. We checked all my information and it was all correct and they still failed to send me notifications. I had to look on my accounts trying to figure out what my payments were and noticed they were charging me late fees and the bill was due  XXXX   XXXX   2017 . I paid my bill on  XXXX   XXXX   2017 . I called them again about the bad practice and not notifying me. I immediately paid the bills, and cancelled my cards. To add insult, I get a noticed on  XXXX   XXXX     2017  telling me they are reporting me to the credit bureau and charged me {$25.00} and that was going to accumulate interest until I paid the remainder. For 30 years of having above stellar credit rating, and paying my bills on time. Synchrony Bank has been the worst company I have ever dealt with and I have never complained about any other company before. This truly ridiculous how they treat consumers

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 2021-07-21
Company: Atlanticus Services Corporation
State: AZ
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:
Since opening the Aspire credit card several non-requested user transactions have occurred : An authorized user card was added to my account without request - I was charged a {$25.00} service fee - The additional party added has their own, unused Aspire account - When this person was added I was requesting actual cards to be sent due to many months of never receiving the cards An automatic withdrawal for the entire balance was set up in XX/XX/XXXX on a knowingly closed account remaining in my account history - I was charged a {$25.00} reversal fee - When this transaction was manipulated, I previously set up a replacement acct - A {$200.00} payment was also " refunded '', with no identifying traceable information - The {$200.00} payment was made prior to the auto pay being forced onto the account - There is no designation for " primary '' payment account These insider manipulations concerning my account are running up the otal owed on the account. I am not being allowed to make regular, affordable payments. Excessive, illegal and unauthorized access and changes within my account setup and payments are causing exacerbated injury to my credit, banking relationships and time consumption by creating unavoidable debt! This is being done by adding fees through triangulation of my account by never having information available that I request to verify with the financial institutions I am currently doing business with or have done business with in the past. I am being hit with fees every month and larger balances when I try to pay my balances down, legally! 

It is clear from month-to-month that there was no account auto pay set up as my payments were made via direct payments in the web portal. Each payment was returned. When I brought this information to XXXX 's attention, XXXX, the supervisor on today 's call ( XX/XX/XXXX ) at XXXX XXXX  ( AZ ) attempted to delete information needed as proof to these aggressive tactics of financial manipulation of my account. She also stated that the {$25.00} fee for a closed bank account should be taken up with the bank! I hold no account there, therefor, XXXX bank would never charge {$25.00} for a XXXX XX/XX/XXXX transaction on an account that has been closed since XXXX XX/XX/XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
First off I was in the process of re-finance my home. I was taking equity to pay multiple loans off including Navient ( my student loan ). In order to close my title company needed a written pay off amount from NAVIENT. It became very difficult to obtain one. It pushed my closing date back just because of this. I had tried multiple times and so did my mortgage company. Was very frustrating and it seemed as if no one has ever paid a loan from NAVIENT in full. On top of that my balance went from XXXX to XXXX in less than 2 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have a significant amount of student loans from law school which are now serviced through XXXX XXXX at myfedloan.org. I am on the IDR plan as I can not afford the minimum payments and I am required to recertify each year to stay on the IDR plan. I did so this year, filing the recertification on XXXX XXXX. On XXXX XXXX, I received a notice from XXXX  saying I had not yet recertified and that while my loans would remain on an IBR plan, my new monthly payment would be more than double what I had been paying. I reached out to them and was told they could put me on a forbearance until the certification issue had been cleared up and that is what I did. Later on XXXX XXXX I was told that my IDR plan recertification was approved. I emailed again on XXXX XXXX asking for clarification as to what happened and notifying XXXX that throughout the summer, my minimum payments had been {$0.00} ( despite my IDR plan being recertified in XXXX ). I was told on XXXX XXXX that they did not receive my recertifcation on time, despite submitting it days before their notice that I ( erroneously ) had n't yet recertified and thus my partial financial hardship payment on the IBR Repayment plan expired and the unpaid interest was added to the principal balance ( through capitalization ) and that this was unable to be reversed! I was never told this was a possibility and I have never had this problem before in years of paying off loans. Now my monthly payments are approximately the amount they had been before, but my current principal balances have increased by a total of about {$15000.00}! Is there anything that can be done? I 'm already going to be paying these loans for the rest of my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: Experian Information Solutions 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:
I HAVE CONTACTED EXPERIAN CREDIT BUREAU ABOUT THIS FRAUDULENT BANK RUPTCY COURT XXXX XXXX. THIS IS NOT MIND AND I DID NOT GIVE ANYONE CONSENT TO USE MY NAME OR 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 2022-08-09
Company: EQUIFAX, INC.
State: OH
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 have submitted disputes to you and waited more than the allotted time of 45 days with no response. All of you are required by law to do so. Please investigate my disputes and remove any in accuracies and deletions, please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: MA
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:
In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX  Account # XXXX and XXXXXXXX XXXX XXXX XXXXXXXX XXXX # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A : States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX  Account # XXXX and XXXXXXXX XXXX XXXX  XXXX XXXX # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A : States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.

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 2017-10-23
Company: EQUIFAX, 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:
i have over XXXX hard inquires on my credit report, which i did n't give authorization. I have tried to dispute them with all XXXX credit bureau, i have also call have each company to get each of the inquiry removed, they told me i had to dispute them with the credit bureau which they will not remove them. They are impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
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: Account status incorrect

Complaint:
I keep asking the credit bureaus to remove my the years of XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX late payments. I'm not supposed to have any " late payments '' because I " re-finance '' the car loan with XXXX XXXX, therefore, I started fresh since XX/XX/XXXX to present year of XX/XX/XXXX. They keep refusing to remove the " late payments ''.

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 2017-10-23
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
on XX/XX/2017 I applied for a Loan with OneMain Financial online. I was told that i was qualified for a loan based upon my pre-tax income and pre-credit screen online. I went through the entire process, a customer service rep called me walked through everything. I was mislead during the application process because on the phone they use a different method of calculating income and only look at your take home pay, which can vary significantly in my case. [ They do not disclose this to you on their website when you are applying that its a different method of calculation, they also do n't mention to you that they use a budget amount to look at your income when you apply ] My pre tax income is close to XXXX a month. My take home income is close to XXXX. Between both incomes I have elected about XXXX dollars in additional taxes taking out ( voluntary, selected most recently ) I also have a tip wage that is calculated in my income and pre-taxed which makes my income look lower. I was trying to explain this to the representative except she stated they do things differently when they calculate over the phone, and it 's different than online. They do n't tell you this when you are applying. It becomes very misleading lending practices. Had I understood exactly online when applying how things were calculated and that they look at a different formula I would 've never continued with the application because I would know that the loan I was applying would not meet their standards, and I would have been declined from the start. The process makes it seem so easy, your presented with terms based upon all the data you submit and they pull your credit online, but they do additional screening over the phone and have additional standards. They also look at your income differently when they talk to you over the phone, which again is not what is stated on their website when it asks for Income.

Company response to consumer: Closed with explanation