BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-02
Company: Winklevoss Exchange LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have reached out to Gemini multiple times without access to transfer my funds and assets from their platform. Funds to cover any loss to Gemini were left in my account intentionally to make them whole after I discontinued an ACH transfer. Gemini retrieved said funds from my account the same day they restricted my account. It has been 2 months and I continue to have my funds and assets frozen on the Gemini platform. My request is to have access to my funds and assets so I can remove them from Gemini and close my Gemini account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: ALLY FINANCIAL 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: Information belongs to someone else

Complaint:
business loan was acquired with no personal guarantee strictly business loan against business credit. 
payoff was attempted but was declined. 

XXXX XXXX signed the resolution the very next day and the treasury offered the public new government securities, minus the traditional " payable in Gold '' clause. HJR 192 states that one can not demand any certain form of currency that would like to receive if it is dollar for dollar.

31 U.S. Code 3123 - Payment of obligations and interest on the public debt.This letter serves as a formal request for you to immediately clear the debt owed to me in full. According to my records, the amount owed is [ Debt Amount ] as of [ Date ]. Despite multiple reminders and notices sent to you, you have failed to make any attempt to repay the outstanding balance, thus causing undue hardship on me. 

As per the 15 U.S. Codes, it is mandatory for you to discharge the debt in full. Under 15 U.S. Code 1601, you are required to provide me with clear and accurate information about the terms of the loan, including the amount borrowed and the repayment schedule. Failure to provide this information is a violation of the Truth in Lending Act. 

Under 15 U.S. Code 1692, you are prohibited from using deceptive or abusive practices to collect a debt. This includes making false statements, calling repeatedly and at unreasonable hours, and threatening legal action without the intention to do so. Your non-payment of the debt and failure to communicate in good faith may be interpreted as a violation of this section. 

I urge you to rectify this situation immediately to comply with the law and ensure that legal action is not required. Otherwise, I will be left with no other option than to pursue legal remedies to recover any outstanding debt under 15 U.S. Code 1692k. Additionally, failure to comply with this notice may result in damage to your credit rating and may negatively affect your personal loan, mortgage, and other financial transactions. 



Thank you for your prompt attention to this matter.

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 2023-10-19
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I can not accept the presence of public records on my credit report. It is causing significant XXXXXXXX and distress, and I implore you to remove them without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: MS
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-01-02
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
MOHELA is my loan servicer. 

XX/XX/22 submitted updated PSLF application to complete forgiveness. 

XX/XX/22 form status updated to processed in my online account but no eligible verification needed payments from XXXX have been updated based on the latest PSLF form XXXX 

XX/XX/22 called customer service but after over an hour on hold, call was disconnected without being able to speak to representative. 

XX/XX/22 called customer service. Spoke to rep who told me that even though my account shows the form is processed it is actually not completely processed & we need to continue to wait. When we asked why its taking more than the started 90 days, we were told that they mean 90 business days which is not clearly stated anywhere on their site or in the procedure. 

We intend to call back in a month to see what has been done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Early Warning Services, LLC
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:
The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I am not aware of this account in my consumer report. 

I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In XXXX  I had made reports by phone, e-mail, and by writing letters using the XXXX XXXX XXXX to XXXX credit agencies explaining that the accounts on my credit report were inaccurate. The XXXX credit agencies I reported to are as follows ; Transunion, XXXX, and XXXX. The XXXX agencies had informed me in order for them to take further action I would need to dispute the accounts with them and the companies that reported the accounts. I completed the requests they had made. XXXX weeks after doing what they had asked I came to no resolution with the problem. My report remains inaccurate and more accounts have been added since then. This has been an ongoing problem for me with no resolution. I had froze my accounts numerous times and had told them about the ongoing fraudulent activity only to be ignored. Due to the outcome of the many situations, I have been unable to obtain business loans, credit that I have needed, denied housing, and have been unable to obtain employment with the U.S. government. I feel that my hands are tied at this moment and the only way id be able to resolve the issue is to obtain legal counsel being that my family and I have dealt with this problem for XXXX years straight. 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 2023-04-05
Company: Experian Information Solutions Inc.
State: AZ
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CA XXXX XXXX XXXX XXXX XX/XX/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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 called 3 credit Bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there was an erroneous Account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX, and hoping that this account will be corrected. XXXX XXXX  XXXX XXXX {$0.00}

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 2023-01-02
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
At the register I stated to the cashier I already had a credit card and needed my account to be looked up since I did not have my physical card in my possession. The cashier prompted me to type in my SSN which is normal for an account look up. I repeated to the cashier I already had a card once again. The screen prompt asked me for my income which once more had me tell the cashier I do not want a new card I already have one. He typed in something for the question of my income on my behalf without my permission as he assured me he cancelled the application. Now I received a credit card in the mail. I repeatedly stated to the cashier I did not want a card and did not want to apply as I already posses an old navy credit card.

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 2023-03-10
Company: CONTRACT CALLERS 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: Investigation took more than 30 days

Complaint:
I sent in a letter to the XXXX XXXX to validate debt. The debt amount was for {$1100.00} to XXXX XXXX, from XXXX. They received the validation letter on XX/XX/XXXX. They Never sent a letter back to validate the debt. When I called them they continued to hang up on me. Then gave me the run around and then hang up on me again. They have failed to removed the debt after not responding within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: NATIONS LENDING CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am requesting that I can choose a local appraiser or local real estate agent to complete a new appraisal or estimate on my property value, as I am trying to get the PMI on my mortgage removed. XXXX is not allowing me to speak with anyone associated with the PMI department at my lender, Nations Lending. 

I want to remove a deduction on my mortgage of Private Mortgage Insurance ( PMI ). My home has increased in value from {$150000.00} to {$200000.00}. This is information I have gotten from local real estate agents. I was told by a realtor that there is some law enacted by President Obama that allows a bank to choose an out of area appraiser to appraise my home for value by using comparisons on MLS. I have to pay for a new appraisal to get PMI removed. The bank will not allow me to talk to the PMI department so I can ask some questions before I invest in a new appraisel for {$350.00}. An " out of area '' appraisal will not know that locally, a home at this price is sought after and has actually risen to {$200000.00} and higher, qualifying my home to stop PMI. I am XXXX XXXX XXXX, living on social security, and the extra {$45.00} is hard on our budget. 1. I want to know : Is this a Federal law governing home loans? 2. I want to know if I can legally request that a local appraiser or real estate agent to get home value 3. I want to know why I can not talk to PMI department at my lender. 

Here is my information : Loan # XXXX, Phone : 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 2023-09-28
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00}

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 2023-04-05
Company: Experian Information Solutions 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:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the consumer credit reporting agencies for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and my right to privacy. 

On XX/XX/23, I submitted a dispute to The 3 Major Credit reporting Agencies Experian, XXXX, and XXXX regarding items on my credit report. I have attached the documents sent as proof! 
According to the FCRA, consumer credit reporting agencies are required to investigate disputes and respond within 30 days. However, They have failed to respond within this time frame, thereby violating my rights under the FCRA. 

Furthermore, I believe that the consumer credit reporting agencies have violated my right to privacy by reporting an account without my permission or written instructions. They did not provide me with any disclosures prior to reporting this account, which is also a violation of my rights under the FCRA. 

As a result of these violations, I have suffered significant harm to my credit standing and overall financial well-being. I request that the consumer credit reporting agencies be held accountable for their actions and that appropriate measures be taken to ensure that my rights are protected in the future. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-01-02
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 never authorized, consented to nor benetted from the following accounts/inquires please remove the following within 4 business days pursuant to 15 USC 1681n - Civil liability for willful noncompliance : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion Consumer Solutions Dear, TransUnion I am writing to request the removal of the unauthorized credit inquiries on my TransUnion credit report listed below. My latest credit report shows a number of hard inquiries that I did not authorize. This information is inaccurate and needs to be removed immediately!! 

XXXX XXXXXXXX : XX/XX/2023 Thank you in advance, 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 2023-04-05
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Truist Bank d/b/a XXXX XXXX XXXX XXXX XXXX, GA XXXX Reference ID XXXX On XX/XX/2021, Truist Bank d/b/a XXXX denied XXXX XXXX XXXX the extension of credit. Credit is a Right of XXXX XXXX XXXX. XXXX XXXX XXXX is fully aware that credit reporting is voluntary, and XXXX XXXX XXXX gave no consent to any information that shows on the consumer report. ( Reference C.F.P.B. article attached ). This transaction was unfavorable, which makes it adverse, yet nothing under adverse action gives you the right to deny the extension of credit. XXXX XXXX XXXX is fully aware of what a credit card is. XXXX XXXX XXXX credited this transaction as a creditor from his credit card. Truist Bank d/b/a XXXX has committed a crime, XXXX XXXX XXXX 's credit card was used and there has been no benefit to him. XXXX XXXX XXXX has been misled through the conduct of Truist Bank d/b/a XXXX by concealing that which should have been disclosed which deceives and is intended to deceive. This transaction was a blatant discrimination of rights. 

Respectfully XXXX : XXXX XXXX Without prejudice, all natural inalienable rights reserved

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