BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
accordance with the Fair Credit Reporting act XXXX XXXXXXXX Bankruptcy Acct 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 accordance with the Fair Credit Reporting act XXXX Bank 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 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2019 {$3800.00} XXXX this account doesnt belong to me, ask several times to verify information with 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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I do not recognize nor authorize this " XXXX XXXX XXXX  " account # XXXX I am a victim of identity theft. also some hard inquiries I do not recognize nor authorize without my signature

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I AM A VICTIM OF THE XXXX SECURITY BREACH ON MULTIPLE OCCASIONS. 
I HAVE BEEN VILIFIED BY FINANCIAL INSTITUTIONS AND CREDITORS. THERE ARE MULTIPLE DAYS AND MULTIPLE ACCOUNTS IPEN UNDER MY NAME DUE TO THIS BREACH AND IT IS HINDERING MY RIGHTFUL QUALITY OF LIFE. 

I HAVE ATTACHED ALL NECESSARY DOCUMENTATION WITH DATES AND FINANCIAL AMOUNTS. PLEASE REFERENCE THEM FOR FURTHER INFORMATION.

Company response to consumer: In progress
Consumer complaint received 2023-10-31
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
We have a 3.5 % fixed rate mortgage. The bank that held the note recently sold it to another bank, at about half the face value because interest rates have increased so dramatically. I would like to buy the note but cant. It would be stupid to pay off the principle balance, but if I did the bank would have to unbundle the note and release it. Thats exactly what I want them to do, but at fair market value, not face value. This would effectively guarantee a risk free 3.5 % return on my investment and greatly simplify my retirement cashflow planning. This isnt about XXXX XXXX, it is about leveling the playing field for 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 2022-09-27
Company: CCS Financial Services, Inc.
State: GA
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:
To whom it may concern, I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now affecting my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who opened the account in my name and give those details to them rather than me. Kindly help me in solving this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Experian Information Solutions Inc.
State: TX
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 accounts XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a 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 2022-09-27
Company: CITIBANK, N.A.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the credit reporting act these creditors have violated my rights under 15ufc1681 section 602 states that I have the right of privacy 15ufc1681A section 2 also states a consumer can not furnish an account with out my written instructions under 15ufc1666b the creditors may not treat payment on a credit card account under an open consumer credit plan as late for any purpose

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 2022-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the credit reporting act these creditors have violated my rights under 15ufc1681 section 602 states that I have the right of privacy 15ufc1681A section 2 also states a consumer can not furnish an account with out my written instructions under 15ufc1666b the creditors may not treat payment on a credit card account under an open consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: United Group Inc.
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I started out with this company with an auto loan in which I fulfilled the terms of that contract so I chose to use them again on another vehicle that I purchased. My payments were made on time until there was an issue with repairs that the vehicle needed and come to find out the dealership knowingly put the wrong transmission into the car and sold it to me and that can be verified by the actual manufacturer last dealership where they had brought the car in for a new transmission to be installed and the manufacturer told them that the transmission they purchased was te wrong one and that they wouldnt be able to do the repairs so they had it repaired with there personal mechanic through a mechanical shop that XXXX XXXX XXXX owns. So I was going through a court litigation with the auto dealership and with the finance company. The judge awarded the plaintiff the amount of {$5100.00} and I was awarded back my car without the finance company being allowed to stay on as the lien holder. Months later I noticed on my credit report that the finance company changed the contract terms from an auto loan to an installment loan and began to charge interest on the court ordered balance that the judge ordered for me to pay them back which is illegal. I have not signed a new contract with them agreeing for them to change any terms of our contract. The judge cancelled out the terms of that contract and ordered me to only be responsible for {$5100.00} so I am filing a complaint against this business for not following through on the terms set by a judge and for trying to extort me for more money than I actually owe them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: Experian Information Solutions Inc.
State: ME
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:
Continuation of Experian. They are not allowing me to dispute inquiries from companies. This is the sixth time I've gone through them, and they still refuse to put an employee on the phone with me, nor resolve this account. There is a XXXX point discrepancy from my XXXX and Experian. This is my last attempt resolving through you before I create a civil suit.

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 2022-12-08
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have to wire approximately {$190000.00} to my closing agent for a down payment on a house. The closing is set for XX/XX/2023 at XXXX XXXX. I have to break the wire into 4 transactions because CITIBANK allows only {$50000.00} transfer per day. The first approximately {$49000.00} completed quickly. The second wire, {$50000.00} was placed on temporary hold. I contacted CITIBANK customer service regarding the urgency of my situation. I was told that that's a corporate policy and nothing can be done other than an email which my or may not be looked at. 

I need all of the holds removed ASAP.

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 2022-09-27
Company: Avant Holding Company, Inc.
State: MD
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:
I was approved for an Avant Credit Card on XX/XX/XXXX. I received an e-mail XX/XX/XXXX that my was card has been activated. Also on XX/XX/XXXX the card that was activated, {$620.00} was charged on the card. I called Avant on XX/XX/XXXX @ XXXX spoke with XXXX ( Avant Customer Service Department XXXX, informed her that I never received the card and I did not activate the card ; I also informed her that I did not make the purchase of {$620.00}. She transferred me to the Fraud department, I spoke with XXXX and made her aware of the information above. She canceled that card and issued a new one. She advised me that Avant is the only one that can credit the amount back to my card. On XX/XX/XXXX @ XXXX I called back to Avant Customer Service spoke with XXXX until XXXX, she stated she will make sure the matter is resolved an escalated to a Manager and Supervisor have them to call me back, she told me the purchase on XX/XX/XXXX, was made at XXXX 's XXXXXXXX XXXX XXXX XXXX, I looked up this store number on the internet and found this store is located in XXXX Maryland XXXX I have called Avant Customer Services Department daily with no resolution, I kept being bounce back and fourth to fraud department that keeps bouncing me back to Avant Customer Service. On XX/XX/XXXX I received my new card. On XX/XX/XXXX I called Avant spoke with XXXX to see why my new card has been locked. Per XXXX my card was locked due to frequent activity and need a copy of my drive license. I sent a copy of my drivers license to Avant on XX/XX/XXXX @ XXXX. On XX/XX/XXXX, XXXX I received an e-mail from Avant indicating they received my license information. I continue to call Avant Customer Service XXXX to follow up on my fraud claim, still was bounced around no return calls from Manager and or Supervisor, which I requested during every call. Finally on XX/XX/XXXX, I was informed that my Fraud Claim Specialist is XXXX and she would be handling my case. I called XXXX everyday and left voicemail message with no return phone call. On XX/XX/XXXX @ XXXX, I received an e-mail from XXXX XXXX she is handling my case, she request a police report. I contacted the XXXX XXXX XXXX department spoke with an officer, made him aware of what went on with my credit card on XX/XX/XXXX. He stated they do not investigate fraud activity on credit card or bank accounts. It's the responsibility of the credit card company or bank to do their own investigation ; the only thing he could give me would be a call number. I sent XXXX a response on XX/XX/XXXX @ XXXX. As of today the fraudulent activity on my card has not been resolved or investigated by Avant with the XXXXXXXX XXXX XXXX. I can prove that I was at work during the time of the charges on the initial credit card, I made Avant aware of this information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XX/XX/2016 {$800.00} they never verified account balance or information and responsible parties

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 2022-07-31
Company: Experian Information Solutions Inc.
State: AL
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 disputed these accounts on my credit report and experian and XXXX replied to me that these inquiry 's came back as verified, I told experian ive talked with both banks and they told me to filed a ftc report which i did, I need the method of verification both experian and XXXX used to verify these accounts because at this point they are automating these disputes and saying they came back verified. I DID NOT MAKE THESE INQUIRIES TO THESE COMPANIES. 

method of verification i need : 1. the name of the person they spoke to to verify these inquiries.

2. the persons phone number which they called to verify.

3. what date did they speak with them on.

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 2022-11-21
Company: EQUITY RESOURCES, INCORPORATED
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have contacted this company many times to get this situation resolved. I was in Bankruptcy, got out of Bankruptcytried to work with them and they put in default of my mortgage as soon as they released my Bankruptcy. 
Now, I continue to call to speak with someone and I cant get in touch with anyone to answer the phone! I need to know if they have received the payment of XXXX I sent to cure the loan and bring it out of default.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Maximus Education, LLC dba Aidvantage
State: FL
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:
In accordance with the fair credit reporting act XXXX XXXX, XXXX XXXX, and Dept of EDXXXXAIDVANTAGE XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received a new debit/ATM card from Citi for a checking account that I did not request. I contacted them and they closed the account, and started a fraud investigation.

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 2022-07-31
Company: BANK OF THE WEST
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
In XX/XX/XXXX took out HELOC with XXXX XXXX XXXX  for {$16000.00}, which was purchased by Bank of the West shortly thereafter. After getting some financial stability back, we decided to refinance starting in XXXX. After repeated and repeated requests for a payoff in writing from our mortgage brokers, it wasn't until XX/XX/XXXX they finally decided on a sum. Not correct but paid anyway to get them out of our life. Somehow they put two liens on our house, which we paid ( SEE ATTACHED ). They however after 2 years have only released one. They have no contact information for their conveyance department. My title insurance company gave me an email address. So I sent an email requesting the release on XX/XX/XXXX. Still on record at county clerk 's office, the only correspondence we have received from Bank of the Worst is letters of loan default. I am at my wits end, this bank has added accounts, changed account numbers and have no clue what fiduciary duty even means. We paid the liens off, they need to release 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 explanation
Consumer complaint received 2020-04-17
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: Investigation took more than 30 days

Complaint:
I have sent all three credit bureaus police reports all of my identification for items that are listed on my credit that are erroneous. They keep asking for stuff like the email showing that the police report was indeed approved Im on other frivolous things that I have nothing to do with getting these items off of my credit I have A new police report in three days ago that they shouldve received by now and I do not want a reinvestigation already said the police report in in these items were to be removed immediately and its been over 90 days I just want the items listed on the police report that I have attached removed from my credit from XXXX   XXXX XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Kingston Data & Credit International Inc.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I received a call at XXXX regarding a debt they are claiming I have regarding an XXXX XXXX  account that I have no knowledge of. During the call the agent became very agitated when I asked for company information to the extent I had to call back. Its Kingston XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, I received a text message on my mobile devise from an unknown source. I opened the message and there was encrypted information. However, no changes were seen in my cell phone or any of my accounts.. 

On XX/XX/2022, a total of {$1000.00} dollars was charged to checking accounts with TD Bank account ending in XXXX via a credit card ending in XXXX. 

On XX/XX/2022, a total of {$3000.00} dollars was charged to checking account with TD Bank account ending in XXXX via a credit card ending in XXXX. 

On XX/XX/2022, a total of {$4500.00} dollars was charged to checking account with TD Bank account ending in XXXX via a credit card ending in XXXX. 

On XX/XX/2022, a total of {$4200.00} dollars was charged to checking account with TD Bank account ending in XXXX via credit card ending in XXXX. 

All the transactions were paid to XXXX XXXX XXXX XXXX. These transactions were all international transactions and I was charged a total of {$380.00} dollars in fees. 

On XX/XX/2022, a total of {$4000.00} dollars was charged to checking account with TD Bank account ending in XXXX via credit card ending in XXXX. 

The transaction was charged to XXXX XXXX XXXX XXXX via the credit card.. TD also charged an international fee of {$120.00}. 

I filed several claims with TD Bank and the TD Bank denied all the claims. The funds were not reversed and my account remained in a negative standing for over 60 days. TD bank sent the information to a debt collector and closed my accounts.

Company response to consumer: Closed with explanation