BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-18
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-02-22
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My credit card information was stolen while traveling in XXXX XXXX, Mexico. I called Barclay to notify them that my card information was stolen from my Barclay XXXX  XXXX Mastercard. I notified them of all the specific charges I disputed. I spent several hours with them on the phone over XXXX separate occasions. They initially informed me that my fraud dispute was denied and that I first had to attempt to dispute the charge with the merchant. However, the business in question is not a merchant but a chip payment processor in XXXX called XXXX, which is similar to XXXX in the Unite States. I contacted XXXX to dispute charges but they ignored me. I called Barclay again and they said fraud department was investigating and they could not provide me any other information. I called once more and they said the same thing. It became clear that I was just being given the run around and nothing was being done by Barclay. It has been several months and I have not received a further response. 

The main charges in question are as follows : XX/XX/21 XXXX  XXXX XXXX XXXX XXXX XX/XX/21 XXXX  XXXX XXXX  XXXX XXXX XX/XX/21 XXXX  XXXX XXXX  XXXX XXXX XX/XX/21 XXXX  XXXX XXXX  XXXX XXXX XX/XX/21 XXXX XXXX XXXX XXXX XXXX XX/XX/21 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 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX Account # XXXX, Has Violated my rights. 

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.

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 2022-06-18
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: Was not notified of investigation status or results

Complaint:
Company has not looked over credit dispute and has not responded to dispute is has been over 30 days and there has been no response.

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 2022-02-22
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX  XXXX / LoanCare My mortgage includes escrow account for payment of property taxes and property insurance. Ample funds were in the escrow account to pay insurance premium. Servicer had all the correct information but Mortgage servicer did not make premium payment when due. Insurance was canceled for non-payment. I suffered a loss for which I called my insurance company only to discover I did not have coverage due to non-payment of premium. 

Mortgage servicer offered {$880.00} for my loss of {$8100.00}. The loss occured on XX/XX/2021 and I have been communicating with mortgage servicer trying to resolve the issue.

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 2022-02-22
Company: Experian Information Solutions Inc.
State: OH
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 the following accounts have violated my rights : XXXX/XXXX  account # XXXX. 
XXXX  account # XXXX XXXX  account # XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX  account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXXC account # XXXX 15 U.S.C 1981 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 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 2022-06-18
Company: Experian Information Solutions Inc.
State: NC
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 XXXX  Account # XXXX, Has Violated my rights. 

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.

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 2017-01-17
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
The complaint is about a private loan from AES ( American Education Service ) where I obtained a student loan, and they insist on a co-signer. I was told when I apply for the loan the co-signer will be removed after a year which was not true, once I start repayment. I start sending payment for a year when yet they did not remove the co-signers name. My complaint is the constant mail I received from this institution on a monthly basis, and they realize I am attending college because I notify them by mail. I have sent them a response various times making them aware I am in college and my loans are in deferments, but they ignore that fact. Furthermore, XX/XX/XXXX/XX/XX/XXXX I started to send them payments when I can in a small amount of about XXXX dollars to apply it for my current loan to keep the amount low, however, I am presently in school as a graduate student full time. I complained to my school and they said they have sent automatic update to them making them aware I am continuously enrolled. 
XX/XX/XXXX, they are constantly sending me information for past payment and continuously sending information about higher interest rate and also sending information to my co-signer who happens to be a retired vet which has made him very concern to why they are constantly sending these mails every month to him. In addition, they are sending letters claiming they could not debit my account for the monthly payment because I close my account, and I need to send them payment immediately with another form of payment. That was really strange because I never sent an agreement for debit payment, and they contact the co-signer claiming of miss payments, and he needs to make the payment. I was absolutely horrified how deceptive AES can be. 
Please contact them to explain why they are continuously sending deceptive mails and claiming I sent them a debit payment plan which is not true. Furthermore, sending negative report to the credit agencies which is affecting my credit score and in term making it difficult for me to get hired. I have been in search of a job with no success, and I think the negative report on my credit is contributing to these issues. Please help me to solve this problem. These company business practices are not honorable, and I want everyone to be aware of these underhanded practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: BlockFi Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
The company has updated their terms and conditions and I had refused to accept the updated terms and thus can not proceed to withdraw my digital assets. 

I have reached out to the company and they refuse to return my assets to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: MD
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've attached a downloaded CFPB complaint that was not responded to within the 30 day window.

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 2022-06-18
Company: EQUIFAX, 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:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: Synovus Bank
State: KY
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I had XXXX pre paid cards with XXXX, A MasterCard and a Visa for {$300.00} each. After I used to total amount on both cards, unauthorized charges were made to XXXX cards. They will not cooperate with me to get this off of my credit reports! Please help me. I am XXXX years old and XXXX.!!! 
Acct. # XXXX .... and XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XXXX I ordered my credit report- from Experian- I paid a fee an was expecting to receive my free Annual credit report in a few weeks, as of this day I have not gotten 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 non-monetary relief
Consumer complaint received 2016-09-21
Company: LD Holdings Group, LLC
State: WV
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Loan Depot seems to be uninterested in meeting their preferred lender ethical standards as well as not understanding the non-predatory language and laws in effect today. My application for a re-fi from conventional to a VA loan is approved but yet no closing date after more than 60 days? When you are told to " step back '' and it 's " really getting hard to process your loan '' the VA OIG needs to get involved.

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 2020-01-15
Company: EQUIFAX, 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: Account status incorrect

Complaint:
We where given 2 financial deferments in a course of one year we called in asking for assistants and was given a deferment for XXXX and XX/XX/XXXX these payments where to be put on the back end of the loan. There was 5 payments walked in to the bank and paid for {$1700.00}, {$1700.00}, {$560.00}. {$1700.00}, {$560.00} that equaled {$5700.00} and that was also reported to the credit bureau this payment would equal 10 full payments we purchased the truck XX/XX/XXXX XXXX was our fist payment of {$560.00} we received a deferment in XXXX and was to make our payment in XXXX and was told our account was locked for non payment. XXXX XXXX XXXX  is committing credit fraud they have reported my payments that I made I have copies of a deferment that was given a XXXX has not answered a phone to any of the finance companies that are trying to refinance our vehicle they keep saying it is in litigation and it can not be processed because they don't know how much the car cost they are reporting on my credit as XXXX and XXXX XXXX I want to know what the status of my loan is and why I never received any communication or calls from this company I am totally disputing this account with XXXX and XXXX and all credit reporting agency I want answers about this account I have placed several complaints and this company has never responded I need help with my loan and my credit XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21
Company: Southwest Stage Funding
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a re-fi on my home and was rejected. In the rejection notice it was stated that a written reason for the rejection would follow but I never received one. I contacted the company several times and they refused to give me the information on the rejection -- - they have stopped responding to me. The company name is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, AZ XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I opened an account with Fifth Third through a car dealership when purchasing a car in XXXX. They did not allow online payments, or balance updates at that time. They only sent a paper " coupon book '' which I was supposed to use to make check payments on my own. In the interest of insuring the loan was paid on time and consistently, I instead set up automatic bill payments through my own bank. For two years, I did this without any problems, but I never heard from Fifth Third with any updates. 
After I moved to XXXX, I called several times to request a proof of title so I could renew my car registration in a new state. Every representative I spoke with assured me that they would have the proof of title mailed, but weeks went by and I never received it. Finally, on the third try, I received the proof of title. But the DMV said I also required a letter stating that I had the lien holder 's permission to register in XXXX. So I called again, and this time ( for the first time ) the rep said I had to go through an external site called XXXX. This extremely dodgy looking website is apparently utilized by several lenders, but it charges an additional fee of up to {$50.00} and takes 15-20 business days to process requests. Even though this seems like an extremely steep price for a simple letter, I would have gone through the site as requested if they had only told me about it two months prior. 
Also, to make matters more confusing and disturbing, there is no mention whatsoever on Fifth Third 's website of My Title Support 's service. So I basically just have to trust the phone rep who told me that is the only way, instead of the other three who never mentioned it before. 
I will be refinancing with another company as soon as possible, because I will not deal with Fifth Third anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I, XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX XXXX XXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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 non-monetary relief
Consumer complaint received 2022-06-18
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:
Company has not looked over credit dispute and has not responded to dispute is has been over 30 days and there has been no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I would like CitiFinancial to please take off all of my closes accounts from all three credit bureau so I can have a clean report. Thanks

Company response to consumer: Closed with explanation