BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: WELLS FARGO & COMPANY
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage statements with this complaint shows Wells Fargo using XXXX different states. XXXX XXXX XXXX XXXX XXXX The statement XXXX from XXXX show the XXXX accidental death insurance, thXXXX XXXX XXXX doesnt. The payment amount is XXXX on both statements. The XXXX on the XXXX statement is completely different then the XXXX and XXXX fees on the XXXX statements.

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 2021-01-09
Company: LD Holdings Group, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was contacted by Loan Depot about refinancing my current loan in XX/XX/XXXX. I spoke with them and decided to put in an application which included a {$20.00} fee for them to pull my credit report. The charge hit my VISA card on XX/XX/XXXX. I was told the process would take 2 months or less. 

In XXXX, I received another call from Loan Depot where they stated that I could receive a lower rate. I told XXXX ( the sales rep ) that I had a pending application from XXXX and he told me that it had been " cancelled '' because no loan takes two months to close. He offered me a lower rate and I agreed. He told me that since my loan was cancelled, I would have to pay another credit report fee to get the new rate. I disagreed, but permitted him to move forward so that I could get the better rate. A second charge of {$20.00} was placed upon my VISA on XX/XX/XXXX. 

XXXX called me later and admitted he made a mistake, but I would still be eligible for the lower rate on my original loan. I still have his message recorded. I later came into contact with XXXX XXXX, Production Manager, who said he would honor the lower rate and provide a refund of the second credit report fee charge. 

After not receiving the refund, I contacted Loan Depot 's Customer Service and left a message requesting a refund. I received an email response from XXXX XXXX Customer Care Representative, but have never received my promised refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-07
Company: ALLY FINANCIAL INC.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Notice to ALLY FINANCIAL INC., that I'll be doing an audit of my account and checking the accounting. I'm submitting my completed form 3949a to the IRS to correct their securities fraud, Identity fraud, discrimination, and breach of contract. I have already filed my complaint and summons with the higher courts.

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 2021-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX XXXX XXXX XXXX refused to extend me a personal loan # XXXX for XXXX based upon the following reasons provided by Transunion credit reporting agency : ( 1 ) Limited credit history. ( A ) This is incorrect. My credit history dates to 2002, therefore it can not be limited. ( 2 ) Excessive new debt. ( B ) This is incorrect. All new debt has been paid in full. The only current debt I have is a Credit card ( XXXX ) and a car note ( XXXX ). There is no new excessive debt on my account. ( 3 ) Serious Delinquency. ( C ) No accounts on my credit report are delinquent. ( 4 ) Too few account paid as agreed. ( D ) This is incorrect. All of my accounts have been paid as agreed. XXXX XXXX XXXX XXXX failed to provide a counter-offer. A XXXX credit score from Transunion is inaccurate when XXXX list my score as XXXX. It appears that this credit denial is not based upon credit but XXXX  demographics. 

The loan is dated XX/XX/XXXX, with application # 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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In reviewing my records for XX/XX/2023, you are reporting I was 30 days late. 
This is not correct. In XXXX I was released from the hospital and paid the bill immediately. I made the payment exactly 10 days after the due date NOT 30 DAYS.

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 2023-10-23
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is the third time I've asked the agencies to correct my consumer report since the accounts listed below are Inaccurate. My life and personal reputation depend on the outcome of my consumer report. I'm exhausted and stressed every day. Delete these inaccurate and unverifiable accounts 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 2023-07-06
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I contacted American Express in XX/XX/XXXX to close my account and deny any future charges. I had already put a freeze online on the account in XX/XX/XXXX. Amex agreed to close the account and deny any future charges. A few weeks later I received a security call stating that there were fraudulent attempts to close the account. I then contacted Amex who told me that they did not properly close the account and agreed to reverse the charges since the account was closed. They also agreed to permanently close the account. 
A month later I received a bill for additional charges. I contacted Amex again and Amex informed me that the agent did not correctly close the account. They confirmed the account was closed. 
In XXXX I received a call that someone was attempting to access my account, which was still open. In addition there as a {$300.00} charge on the account. At this time, Amex claimed that I would be responsible for this charge even though they confirmed that I had attempted to close the account and that they had removed the freeze. 
I am asking you to contact Amex and have Amex remove all charges after I closed the account in XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-08
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: Personal information incorrect

Complaint:
I am writing a formal complaint regarding the accuracy outdated information on my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) provides consumers with the right to dispute inaccurate or outdated information on their credit reports. I have already reached out to the credit reporting agencies directly, but the corrections have not been made. Therefore, I am turning to your esteemed organization to seek assistance in resolving these issues. 

The credit report includes outdated personal information that is no longer accurate. Specifically, my current address, phone number, and employment details have been incorrectly recorded. It is crucial that this information is updated to reflect my current circumstances accurately.

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I currently have a mortgage with XXXX XXXX. I contacted them directly to refinance my mortgage. I did not XXXX or use any social media to search for information. As soon as XXXX XXXX pulled my credit report, my husband and I both started receiving phone calls and text messages from random mortgage services/companies. Now XXXX XXXX wouldn't sell our info to other other mortgage companies because that would be their competition. The only thing I can assume is that XXXX, TransUnion and XXXX are allowing other entities to monitor my credit report and once someone pulls it, they're notified and know exactly what type of financing. I'm sure the 3 credit reporting agencies are also making money off of my private information. HOW IS THIS LEGAL??? My husband receives 10 plus phone calls every day since our credit report was pulled by XXXX XXXX. He receives the same amount of text messages. All from random companies and numbers. As soon as he blocks one number, they call with another number. I also am receiving calls and texts on my phone. It's a violation of our privacy and this practice needs to STOP!

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 2022-12-19
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. Best regards, I remain

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 2023-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights.

15 usc1681 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 a account without my written instructions. 

15 usc 1681a- definitions ; rules of construction- exclusion. - except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making report ; 15 usc 1666B : A creditor may not treat a payment on a credit account under and end consumer credit plan as late for purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Why is XXXX still on my credit? This account is expired. It does not matter that they transferred or sold it. The account has reached the 7 year period as of XXXX XXXX. I'm demanding per FCRA laws that it be removed immediately. If it is not I will save this complaint, your response and include all of my other paperwork to show it to a court, that it's expired and should be released immediately. See attached.

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 2023-10-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dates : XX/XX/22 Amount : {$5000.00} Actions that were taken by you or the company : Sent me a letter stating they would open a claim but months later nothing has been accomplished.

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 2023-10-06
Company: Continental Finance Company, LLC
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2021-01-09
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XX/XX/XXXX Santander called and sent me an email offering to defer two car payments to the end of my car loan. They further advised I would be responsible for the interest due to the deferment. 


XX/XX/XXXX, I confirmed with the representative there would be no additional payments taken based on the deferment agreement and that any payment pending draft was cancelled. 

XX/XX/XXXX I electronically signed the deferment agreement, the deferment was for the XXXX and XX/XX/XXXX car payments. My next due date was to be XX/XX/XXXX. 

On XX/XX/XXXX Santander illegally, drafted my checking account for a car payment {$490.00} This unauthorized draft compromised by bank account, because I have other bills scheduled to be paid, via my XXXX internet services. I am a remote worker from home with my daughter whom attends virtual school due to COVID19. 

I can't believe Santander would do this ... This is illegal and in violation of the Fair Debt Collection Act deceptive practices. 

I want this payment refunded back into my back account immediately and I want a letter of apology from Santander, I will also remove my bank account information from their website and at the time I make my car payments I will XXXX XXXX the money or money gram. 

Santander is required to consider this a cease and assist from drafting my bank account going forward. 

I have attached the following 1. Signed Deferment agreement showing XX/XX/XXXX and XX/XX/XXXX to be deferred with my next due date of XX/XX/XXXX 2. bank history page which shows the illegal draft {$490.00} taken on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Mohela has not updated my PSLF payment accounts correctly after a year of waiting. There were two different loans on the account, unsubsidized and subsidized, and one was updated and forgiven, and one was left with no updated payment counts. 

When student loans have entered back into repayment ( which should not happen for me because these loans should be forgiven ), Mohela 's delay and incompetence has caused my loans to enter into repayment. As a matter of principle, I refuse to make another payment on the account because the loans should be forgiven in full. 

In order to gain more time for Mohela to do it's job ( which I have no faith they can do ), I submitted a forbearance request because I am not paying them another dime. However, as of XX/XX/XXXX, they gave me a letter that stated " sorry, we're not able to process this for 90 more business days, during which time you will be responsible for paying your loan. '' This is absolutely unacceptable and incompetent. My loans should have their payment counts already updated. My loans already should have been forgiven. While having to wait on this delay, it should not take 90 days for them to pause their own payment process and substantially negatively impact my family. 

Mohela has consistently done the wrong thing every single time given the opportunity in the past two years for both myself and my husband. He's had to file XX/XX/XXXX complaints, a CFPB complaint, and a complaint with his US Representative against this company. 

Their contract needs to be canceled and their company fined for mismanagement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: WELLS FARGO & COMPANY
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was contacted about a debt I supposedly owed from the year 2009. I was threatened to be sued and have levys and leins but against my home/car/bank accounts and wages would be garnished and accounts would be frozen and damage to my credit report would be done for a period of 7 years. I was threatened with all of this if I did not make a payment by XXXX XXXX central standard time the following day ( less then a XXXX hr period ) If I did not make a payment by then, I would be served. They threatened to serve me at my place of employment as well. When I asked for an address to send a debt validation letter they would not provide me with an address and said they didn't have to. They sent me a pay agreement to my email which had an address listed. I looked up the address and called the XXXX XXXX XXXX in the town they provided and they said there is no such law firm by that name in the area.

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 2023-02-17
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: Credit inquiries on your report that you don't recognize

Complaint:
FTC Report Number : XXXX FTC Report Number : XXXX FTC Report Number : XXXX Defamation to my character and livelihood and I'm trying to purchase a home. 
15 U.S. Code 1681n

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 2023-10-06
Company: SYNCHRONY FINANCIAL
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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