BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was unable to get a free credit report from ANY of the XXXX companies at www.annualcreditreport.com. I believe this is by design. They ask questions the average person can not be expected to know ( for example the year your home was built for apartment renters, partial phone numbers of relatives, etc. ) and then refuse to provide a report based on the answers, unless you jump through many more time consuming hoops. They make the process unnecessarily difficult. This website was obviously put up to create the appearance of making an effort to comply with the law, while avoiding actually doing so as much as possible. It 's abusive.

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 2022-11-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2023-04-12
Company: JPMORGAN CHASE & CO.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I was told two days ago by Chase that there was no way the repo man from the previous dispute could get into my wifes car which was locked when he repossessed it. He did and thats what triggered the theft alert on the car. While the vehicle was at the repo yard, my wife received the same alert. When I got there to see if someone was tampering with the vehicle, the alarm was indeed going off. I silenced it with the key and not five minutes later the alarm went off again. He had forced his way into the vehicle and he was under the hood of the car this time and opening multiple doors. The manager from Chase stated that there is no way he could have opened the door but he was able to when I seen him with my own two eyes. Also, I was told today that on the bottom of the notice of sale that Chase sent me only means they can charge the full balance of the loan once its defaulted. The phrase at the bottom does not mean they have the option to reinstate or work with a consumer to get the loan reactivated. Which is false advertising. Also, there were no documents filed regarding the repo according to LA state laws in the Administrative process. Chase is breaking multiple consumer laws. This has been a nightmare. This can not be legal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
Company: Mercedes Benz Financial Services
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX is the worst Financial Lender. Incorrect info reporting to the credit bureaus. Status of Account is Voluntary Surrender but called Mercedes Benz Financial and they say the account is suppose to be closed as Early Termination. They have promised to fix this issue but as yet to do so. Its been 6 months. This as caused my credit score to drop 100 points. As far as Im concerned I have know knowledge of this account or what its reporting like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My current adjustable mortgage was about to become variable. NationStar called to refinance into a fixed rate note. I was introduced to a XXXX speaking translator. I was told that I did not have to make the XXXX Payment because the payment would be made through the payoff. I had not refinanced before and did as instructed. The end of the month approached and I began to panic, I was told not to worry. Tuesday the XXXX I receive a call telling me that I must urgently make my XXXX payment. By the time I got off work to make a payment it rolled over to the XXXX of XXXX causing a 30 day late. I have had this loan for 10 years and " never '' made a late payment. This fact is reflected on my credit report. As it turned out, NationStar did not complete the refinance and I am unable to refinance with another mortgage company for up to 1 year due to the XXXX late payment. I have repeatedly called NationStar, spoke to various managers and no one is willing to take any responsibility and will not remove the late payment. XXXX is not my first language and considered broken XXXX. I feel foolish and misguided. I was willing and able to make the XXXX payment, why would I be instructed not to. I asked repeatedly if this could harm me, I was told the refinance would include the XXXX payment. I relied on the expertise of the person representing my best interest in a financial transaction. They should have never advised me to not make my payment. This not only harmed my credit but severely impacted my ability to refinance out of an adjustable rate mortgage. This is wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I was laid off and tried numerous times to either refinance or get a loan modification to help with my XXXX monthly mortgage. Process was long and tedious and never got a clear answer if anything could be done. Filed for bankruptcy in XXXX because I was unable to fulfill my obligations

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 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX XXXX XXXX XXXX account XXXX opened XX/XX/2021 balance XXXX This accounts is not mines and is being falsely and fraudulently reported as opened with a XXXX balance no payment history I have never had an account with this company or signed a contract with this company I have called and disputed this information this account and a proper investigation was not done. This account is not on any of my other credit report such as XXXX and XXXX which is in violation of usc 1681 complete and accurate and consistent information Violation of 15 usc 1681i 6 ( b ) ( iii ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure. -- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information. Please remove immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: R & B Corporation of Virginia
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:
Credit Control Corporation acct # XXXX. has disregarded my request to validate an account Under the Fair Debt Collections Practices Act ( FDCPA ), Tracking # XXXX, delivered XX/XX/2023 in which they have been reporting a negative account on my consumer report. After Credit Control Corporation failed to validate the negative account that they have been furnishing on my account I requested they cease and desist with their collection activities due to their violation. Credit Control Corporation has been non-compliant and is in violation of Failure to respond satisfactorily with deletion of the above referenced account. Due to my frustrations and damages for alleged debt I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am a current victim of getting my account hacked on Robinhood. I have sent several emails, contacted them on XXXX, phone, and their help center service, and have not gotten a response. I was able to see unauthorized transactions appear on my XXXX device notifications but not sign into my account because it was compromised by the hacker/fraudulent person. Robinhood still has not contacted me to help me get into my account or see what unauthorized changes were made. 

I believe I have lost several XXXX of dollars but can not confirm until I am able to get Robinhood 's help to access the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021 I authorized Citibank to wire to XXXX XXXX XXXX XXXX in XXXX, the amount of XXXX ( XXXX XXXX ), which at the time equaled {$9600.00} USD. The money was taken from my account on that day, but the intended recipient never received it. 
I have complained to them several times and finally submitted a formal complaint dated XX/XX/2021, of which is acknowledged in a letter from Citibank, attached. 

Subsequently, I have been talking to them through their website chat venue ( attached ), and I consistently called them. They keep saying that they're working on it. I ask to speak to a supervisor and only once in the XXXX months did I finally get through to a supervisor. He sounded like he's taking care of it, but nothing happened. 

The intermediary bank that they used to do the transfer was XXXX. I don't understand the problem, let them get their XXXX branch on the phone and work this out. Why must I suffer?! 

Finally, on XX/XX/2021, I get a letter from Citibank saying the following : " Based on the information you provided and the results of our research we determined that the funds were not made available to the recipient for the amount mentioned in the disclosure. '' They even posted a credit in the amount of {$35.00} for the wire transfer fee and {$22.00} for the third-party fees to my account. So, they credited me the small money, because they failed on the wire transfer, but the wire transfer itself, they didnt reimburse yet. 

I got the wire fees back, but the {$9600.00} is still not returned to me. 

I have been asking them for XXXX months to just recall the wire, or pay me back, because it was never received. 

I even called the bank in XXXX and spoke directly to the bank manager. He told me if Citibank recalls the wire, he will send it back. 

This should not be my problem. This is a screw-up by the bank, and they should reimburse me immediately while they continue dealing with it. I want my money back.

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 monetary relief
Consumer complaint received 2018-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this account with XXXX regarding the inaccuracies that they are reporting amongst the 3 bureaus, yet they continue to respond that the information is accurate and verified. The following inaccuracies are reflected : *The date opened differs among the bureaus *XXXX  is stating account type as factoring on XXXX, open on XXXX and Collection type on Transunion ( all inaccurate and pecuniary ) *The payment history varies among the 3 bureaus ( XXXX  codes failed to pay and starts payment history in XX/XX/XXXX even though they denote the account as being opened in XX/XX/XXXX ; XXXX  reflects payment history from XXXX and all ok even though they denote the account as being opened in XX/XX/XXXX??? Transunion reflects no payment history *Midland reflects on XXXX  terms of 1 month, yet I never entered into any type of agreement or contract with them Lastly, in my most recent communication with XXXX ( see attached ), I requested an agreement that states their authority to collect on this alleged debt, an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, as well as complete accounting of alleged debt. XXXX did not oblige. XXXX merely sent a statement that did not reflect any comprehensive accounting. 

XXXX did not provide any credit card agreements that would further substantiate their allegation. These inaccuracies reflected among the bureaus as well as the fact that XXXX did not provide any credit card agreements warrant this entry to be removed from my credit reports.

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 2023-05-16
Company: Foris DAX, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I reported 3 unauthorized transactions on XX/XX/2023 {$99.00} {$99.00} {$99.00} as the merchant XXXX sent me an email telling me that my account has been compromised and to disregard any emails telling me about the orders made as they cancel them and if I see any charges on my bank statement to dispute it with my bank, did report this with my bank on XX/XX/2023 and Ive given them more than 10 business days to resolve. My issue anymore. Time is needed them provisional credit should be given to me within 10 business days as it states that in the terms and conditions they agreed too. Then XX/XX/2023 they concluded an error did occur but are now giving me the runaround about my claim and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had set up a checking account with Suntrust back when my mortgage was through Suntrust. After refinancing with a different bank, I withdrew the remaining funds in my Suntrust checking account back to my main account with XXXX XXXX. Unbeknownst to me, Suntrust was using a third party payment processor that tacked on a {$3.00} fee to my withdrawal, thus bringing me to - {$3.00}. Suntrust did nothing to announce this fee. Moreover, it is beyond me why they need a third party vendor when they are a bank. I couldn't put more money back in to my account without hitting the minimum transfer of {$10.00}. And if I wanted to close the account, which I absolutely do at this point, I would again have to eat a {$3.00} fee from this hidden vendor. I called their representative, they said they would have to wait for the overdraft fee to process in order to waive anything. So I waited and called today. I've been given the runaround by their representatives for almost an hour. I'm now up to a {$42.00} fee to access my money. This is absurd and predatory.

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 2020-07-28
Company: Blackhawk Network Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Purchased a {$50.00} XXXX gift card at a XXXX grocery store on XX/XX/XXXX using an XXXX   card Card # XXXX pin XXXX Used it once or twice. After the last use, the card had a remaining balance of {$2.00}. When I attempted to use it on XX/XX/XXXX, I found that someone had drained the balance. Called issuer ( XXXX ) They advised that it was in fact used for {$2.00} on XX/XX/XXXX at a station in XXXX XXXX, fl that I do not frequent. Contacted XXXX ( retailer ) they would not be able to help me. Contacted XXXX. They said I would need to forward them the ORIGINAL RECEIPT and the card for them to consider a refund. I explained that I do have the original receipt, but I do have a credit card statement showing the purchase on XX/XX/XXXX. XXXX states that this is insufficient. Consequently, here is by complaint This resulted from a lack of security on the part of XXXX allowing for the cloning of gift cards. If these cards had simple security measures ( chips, Pin #, zip code ID, or registration ) perhaps these frauds would not be as prevalent. 

XXXX acquired by Blackhawk network

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against 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 2023-08-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a heloc taken out in XXXX XXXX. I have called Experian several times and the few times I was able to get a human they have not had a XXXX call me back. In the beginning they told me to file a dispute although I told them it wouldn't resolve it because my credit union reports it correctly and is categorized correctly with XXXX and XXXX. Only Experian categorizes my heloc with my credit card accounts instead of under XXXX XXXX, thereby making my utilization ratio not calculate correctly with XXXX. By their own words on their website the XXXX does not affect utilization ratio because house is secured. Yet, even with my credit union notifying them of this and me sending them info, they have not done anything in this last almost year. All they need to do is move the Heloc from credit card acts and put under XXXX XXXX and XXXX is set up to then calculate it correctly.

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 2023-08-16
Company: Affirm Holdings, Inc
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Affirm reported this payment as past due when it was not and dropped my score XXXX points. To add insult to injury. It was the last payment on the loan for a minuscule amount of {$12.00}. Mind you Affirm does not report positive payment history, all of my good history with the company was ignored but this incorrect late payment for a small amount was report. Strangely enough they reported this account as paid & closed a few days later but the 30 days past due is still on my credit report and impacting my score. 

What affirm has done has charged a flawless payment history and has jeopardize me being able to get a place to live in the next few months. My score dropped from near mid 600s to high 500s.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
As we all know credit card company 's often incentivize there products by offering rewards. Well, we use ours often for purchases to get rewards, pay them off in 30 days etc. This month we purchased a long-arm quilting machine and is rd a card, which I have done many, many times to purchase. We got dinged XXXX points on f.i.c.o score even tho we received a " credit increase '' up to XXXX dollars by master card on this card because they said " you used your credit responsibly! The preveious month, XXXX dropped me because they said I did not use there card enough! 20 years with them! They dinged me for XXXX points! Well quess what, now my auto insurance, homeowners insurance went up substantially! My credit score has always been a source of pride for me and I guard it well. I have used my XXXX card in the past for XXXX or more and payed back in reasonable time without a " XXXX '' point hit! I have gone from low XXXX to low XXXX f.i.c.o. Score in two months for this! Why would a credit card company give me more credit if I was not worthy only to be dinged for using and paying it back in thirty days. I got XXXX in rewards from that credit card company that month, but my auto and homeowners policy went up almost XXXX a year! What in XXXX has changed. I 'm playing by the same rules I have played by fo fourty years now you damd if you use you credit card, and your damd if you do n't!!! Can you make sense of this for me. Regards, 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