BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-04
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage
Sub-issue: Closing disclosure or other related disclosures

Complaint:
Freedom Mortgage refinanced my VA loan in 2019 as a VA loan. 

Loan ID # XXXX MIC # XXXX Closing XXXX This form is a statement of final loan terms and closing costs. 
Closing Information Date Issued XX/XX/2019 Closing Date XX/XX/2019 Disbursement Date XX/XX/2019 Settlement Agent XXXX XXXX XXXX, XXXX File # XXXX Property XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Estimated Prop. Value {$400000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX Lender XXXX XXXX XXXX Loan Information Loan Term 30 years Purpose Refinance Product Fixed Rate Loan Type Conventional FHA VA Loan ID # XXXX MIC # XXXX The issue is the VA stated Freedom never reported this loan as a VA loan 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 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
NAME : XXXX ACCOUNT NUMBER : XXXX This account shows late payments on all 3 bureaus & transunion shows balance of XXXX $ which is incorrect, I'm uploading proof of statement, this account needs to be updated/corrected..never late.. 

NAME : XXXXXXXX XXXX ACCOUNT NUMBER : XXXX shows late payments, I have never been late on making these payments ever.. payment history needs to be corrected!

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 2021-10-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Experience has been charging me for credit reports for over a year now. I have told them to stop billing and refund me multiple times. I have been ignored. Billing started XX/XX/2020. Amounts are {$24.00} every month. I have called them, emailed them, submitted online requests. No response. Today I went through the process again. And for the first time ever was given an option of changing my membership to a {$0.00} fee service. 
They still do not have an option to end all services. 
As bad as they've been about this and how they provide information in my credit report ; this company doesn't deserve to be in control of people 's credit history. 
They should be shut down permanently. 

Separate note about this reporting complaint system. 
In the next section I am given an option. Of providing the last four numbers of my social security number. 
One of those numbers is a XXXX. 
Your system is not accepting the last four of my social based on that XXXX. 
Please fix this error.

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 2023-09-03
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I'm not liable for this debt charter communications. I don't have a contract. XXXX  collection Agency ( Debt Recovery Solutions ) they didn't provide me the original contract as I request, Please Correct my credit report I demand this account be removed from my credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: CREDIT ACCEPTANCE CORPORATION
State: DE
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Some use my name as a co-signer on a auto lease

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 2021-10-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
USAA closed my checking account, over 14 year account by a unauthorized phone call without any notice or communication with me, I am a veteran and very unhappy that they have left me with no access to my funds, said they mailed the check to my address but that I can't reopen my account, I have my bank loans with this account and have several deposits going to this accounts. I am not sure why they can do this!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account XXXX : XXXX Account Name : XXXX XXXX  Account XXXX : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-10-23
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Cancelled Account turned all boxes in. Paid all fees. No bill received regarding balance owed.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Could not withdraw money from checking accounts

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 2021-10-22
Company: General Motors Financial Company, Inc.
State: IL
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: Problem with personal statement of dispute

Complaint:
I paid to get 3 loan payments moved to the back of my car loan so that I would not have late payments reported to the credit bureaus and the company refuses to remove the missed payments. I've called and disputed this many times. They accepted money to move the payments to the back of the loan but will not remove the missed payments when I have been current for 18+ months. 

XXXX XXXX  XXXX, XXXX and XX/XX/2019 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Re : Cash App case number associated with this claim decision is XXXX. 


On XX/XX/2023 my cash app was had five unauthorized transactions listed at follows : XXXX. XXXX XXXX ( XXXX XX/XX/XXXX ) {$210.00} XXXX. Add Cash ( failed ) {$100.00} ( listing lightened the amount indicpuration did not go through ) XXXX. XXXX XXXX ( on XX/XX/XXXX ) {$200.00} XXXX. XXXX ( XXXX XXXX ) {$240.00} XXXX. Add Cash ( XXXX XXXX XXXX ) {$200.00}... 
I am not sure what account was debited for transaction 1.

No action was taken on transaction 2.

My checking account was debited for transactions 3, 4, and 5. The total lost from the checking account due to this fraudulent activity was {$650.00} I reported this to Cash App customer service representative XXXX XXXX on XX/XX/2023, at XXXX XXXX. He advised that transaction XXXX was charged to a debit card that had been added and removed from my account and did not go through. He also informed me that my checking account and debit card had been removed allegedly by the fraudster. 

Cash App responded by email on XX/XX/2023 : " We compared the transaction you brought to our attention with your account history. Based on the information you provided, our investigation led us to determine that this transaction ( XXXX ) was authorized by you or someone you authorized to use your credentials, and no error occurred. As a result, your claim has been denied and closed ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I sent a letter asking XXXX transunion and XXXX to investigate my accounts according to 15 usc 1681i XXXX transunion XXXX it have been more then 30 days to investigate and send me results and they also didnt record the current status of the disputed information which is another violation

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 2021-10-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Our mortgage lender tried several time to pull my credit report from Equifax and they couldn't get it we called Equifax 5 times they tell me everything is good there are no freeze or fraud alerts on my report, but my mortgage lender still can not pull it, so I called them again and Equifax tells me there is no problem. This is very frustrating they need to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Sound Collection Services
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I called collection agency and explained to them I filed Bankruptcy. This debt was signed off by a judge on XXXX XXXX Can you please take this on my credit history etc I am having a hard time trying to apply for a rental and this is impacting my credit history and future renting. The employer assured me she would take it off my credit report. I called in XX/XX/XXXX, I waited 6 months and called again. I am so frustrated I cant even rent an apartment because of this. 
XXXX XXXX XXXX XXXX XXXX update XXXX, XXXX XXXX of a total {$4500.00} I am so stressed my kids and are going to be homeless!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Experian is not reporting three successfully paid loans on my credit bureau history. I called Experian XX/XX/XXXX and informed them of my address and name change, they confirmed they could see the loans and informed me to check with the lender to ensure they were being reported and that they would add them to my credit report. I signed up for the paid service to check my report more than monthly in order to ensure the loans had been added to my report. I've been checking my report weekly and the loans have not been added. I called XX/XX/XXXX to discuss the issue with Experian, I could not get through the IVR, only options were order a report and report fraud. I went online to file a dispute and their website is not working. In the meantime, I've called my institution and they have confirmed they are reporting my data to all three bureau 's. This is directly impacting my ability to get an apartment, I was declined due to lack of credit history. My score is high enough to be approved, and if these loans were being reported accurately, I may have been approved for the apartment.

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 2023-09-03
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Dealing with Hyundai Motor Finance, I had traded in my car on the XXXXXXXX XXXX XXXXXXXX and since then filled out and emailed a cancellation form to Hyundai Motor Finance XXXX. 

I received a cancellation confirmation for an " Extended Vehicle Service Contract '' & a " GAAP '' contract on the day of XX/XX/XXXX. 
For the vehicle with the last XXXX of the VIN Number XXXX Roughly, the value of the refund of these contracts is close to {$2400.00}, per my confirmation after calling Hyundai Motor Finance XXXX 

On the day of XX/XX/XXXX, XXXX confirmed that they received that amount from the selling dealer ( XXXX XXXX ) and will issue myself a refund. This amount was also reflected in my online account under www.hmfusa.com Unfortunately, they are extremely shady, and upon receiving a {$100.00} cheque from XXXX, I logged in to my account on XX/XX/XXXX, and saw that the earlier statement that showed that XXXX had received a payment in the amount of ~ {$2400.00} is no longer there. 

To top this all off, when I initially traded in the vehicle, XXXX claimed that I was unable to request a refund for these services and in fact that they do not provide a cancellation process for this matter. Only by the intervention of the dealership that purchased my old vehicle, was I able to get the ball rolling. 


I am in desperate need of the XXXX dollars and some change, and have even considered filing a small claims lawsuit due to my situation. 

XXXX will be avoided and so will their products in the future, no matter how good a deal it may sound like

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 2023-09-03
Company: WLCC
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was approved for a {$500.00} loan. So far I've paid XXXX. I went to their website and I almost fainted. Interest XXXX. I've emailed three times, no reply. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Being charged extra fees during grace periods

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 2022-07-21
Company: EQUIFAX, INC.
State: AZ
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: Problem with personal statement of dispute

Complaint:
All of my credit reports are showing XXXX ( XXXX ) 90 or 120 day late payments in the month of XX/XX/2019 for my student loans with " XXXX/Dept of Ed '', however, my student loans were in Administrative Forbearance from XXXX XX/XX/2019 and General Forbearance XXXX XX/XX/2019. Administrative Forbearance is a period during which payments to federally held student loans have been automatically paused or suspended and interest rates set to 0 %. I have included a of a correspondence from XXXX XXXX ( the previous student loan servicer ), dated XX/XX/2019, approving the Administrative Forbearance from XXXX XX/XX/2019 and General Forbearance XXXX XX/XX/2019 - again showing the Administrative Forbearance was backdated during the time in question ( XX/XX/2019 ). Notably, the approval did not occur until XX/XX/2019, nonetheless, I was approved for backdated the Administrative Forbearance from XXXX XXXXThus, it is legal and factual impossibility to be in default or have late payments during the period my loan was approved for Administrative Forbearance from XXXX XX/XX/2019. I had to apply for Administrative Forbearance and my application took time to process, however, my application was ultimately approved on XX/XX/2019, which included a backdated Administrative Forbearance from XXXX XX/XX/2019. The credit reporting agencies have accepted the response form the creditor that payment was late because payment was made during the application for the Administrative Forbearance, however, the Administrative Forbearance was approved and served to backdate the forbearance during the application process, as clearly demonstrated by a correspondence from the creditor, which is attached, and no late/delinquent notices during the months of XX/XX/2019, when I would have been 30 days late, and again XX/XX/2019, when I would have been 60 days late. It can not be said that an Administrative Forbearance was not effective in XX/XX/2019 when all XXXX ( XXXX ) delinquencies occurred, by the very language of the correspondence received from the creditor. Thus, all credit reporting agencies have completely disregarded the evidence I have submitted clearly proving the Administrative Forbearance was backdated and effective during XX/XX/2019, while accepting the creditor 's factually deficient and legally incorrect statements that payment was " late '' in XX/XX/2019 during a time that I was provably in Administrative Forbearance. 

In sum, the twelve ( XXXX ) reports of 90 or 120 days late is not only inaccurate because I was on Administrative Forbearance, it is predatory as it has completely destroyed my credit, despite the proper approval for the Administrative Forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions 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:
after obtaining a copy of my current credit report i noticed a XXXX mobile phone account on my credit in collections and i did not open that account or authorize it

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 2021-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
To whom it may concern I noticed there are late payments and a past due balance listed under the collection account XXXX XXXX XXXX. From my understanding collection accounts are not supposed to include a payment history of late payments as I do not have any payment agreements currently set in place with this agency. This collection claiming a history of late payments is a false representation to my relationship with them. A collection is by default derogatory, this goes without say. Please delete this from my report immediately 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 explanation