BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I unknowingly purchased a vehicle from dealership that had not been inspected and would not pass inspection. Following a lengthy amount of time i retuned vehicle due to the numerous potentially dangerous safety issues. The dealership then sold same vehicle on their lot for more than I owed for payoff. The dealer then filed with courts and i was unable to attend hearing they had scheduled. Giving courts false information the dealer i purchased auto from got a {$3000.00} judgement. Then the dealer turned judgement into installment loan which the court informed me was not legal. i spoke with dealership and they would not give me any of paperwork I requested which also is against the law ( to my knowledge ). The Transunion credit bureau has been reporting negatively on my credit report stating I owe {$9000.00} for numerous years. I have been unable to get response from dealership ( XXXX XXXX ) and am very frustrated that they are allowed to report fraudulent information and continue to cause damage to my credit score. 
XXXX XXXX located XXXX XXXX XXXX Utah has committed and have continued to commit illegal and fraudulent acts against myself along with 2 other persons i am aware of.

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 2023-10-02
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Spoke with agent ( beginning of XXXX ) on phone after receiving XX/XX/XXXX escrow estimate statement. Asked why so much when my payment already went up from {$630.00} last year. Now it shows a shortage of {$1500.00}? They said it was because my property taxes went up almost {$200.00} a year and my hazard insurance went up by {$700.00} a year to {$1900.00} ( almost {$700.00} a year ). I called my house insurance company and had them up the deductable, etc so my new insurance premium is {$1400.00} saving me {$470.00} a year and sent that to Wells Fargo, they were going to " correct '' the escrow estimate. We were on hold for over XXXX mins with the escrow account person who was supposedly correcting the estimate right then and there. Instead of it going down for the reduction in insurance costs - it went up. The agent told me to pay the {$840.00} payment and the system would process overnight and it would be applied the next morning. I went to pay my house payment yesterday, XX/XX/XXXX and the phone system told me I needed to pay {$1500.00} +. I called them back and they said my monthly payment for XXXX and XXXX went up to $ XXXX to get my new monthly payment down to {$810.00}. Not sure why so they explained to me. Their explaination is " that I have an FHA XXXX XXXX loan and that the FHA required them to withhold XXXX ( XXXX ) times that actual amount being paid towards my hazard insurance and property taxes in my escrow account and it is now showing up as a huge shortage of $ XXXX a month instead of the {$67.00} a month. 

I contacted the FHA and they sent me information that shows requirements as being amount and XXXX as cushion. Re : Respa10 " During the course of the loan, RESPA prohibits a lender from charging excessive amounts for the escrow account. Each month the lender may require a borrower to pay into the escrow account no more than XX/XX/XXXX of the total of all disbursements payable during the year, plus an amount necessary to pay for any shortage in the account. In addition, the lender may require a cushion, not to exceed an amount equal XXXX of the total disbursements for the year. ". 

So they are charging a cushion of 2 times everymonth per their agent instead of XXXX which equals XXXX months cushion. 

So, I have contacted the FHA and was referred to XXXX XXXX ; and then XXXX XXXX confirmed that they thought they ( Wells Fargo ) were withholding too much and referred me to XXXX and the CFPB. XXXX, who in return referred me to CFPB also and suggested getting an attorney ( which I can't afford ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I called them on the phone all three credit reporting agencies, XXXX, Equifax, and XXXX XXXX and I have not had all of these inquiries removed that I did not authorize add explain to them I have not asked for credit in 14 months. Why do I have all of these inquiries, please remove them they have not done so and I do plant to buy a home when the rates go back down and home prices drop I want to be prepared and these inquiries are not mine or authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  OPM data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # A XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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 2021-10-01
Company: EQUIFAX, 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:
This is my complaint to the three major credit reporting companies after several phone calls and letters. 

I am writing to remove erroneous and obsolete demographic information on my credit report. The above information concerning my name, address, phone number, and employer is the only information I want to appear on my credit report. I want all other data which includes old addresses, old phone numbers, old employers, all variations of my name that does not appear exactly as above removed. You use this incorrect or outdated information as challenge questions for access to my credit report. The information that you use is incorrect and outdated. Your use of old and incorrect data is preventing me from accessing my credit report which is my right under The Fair Credit Reporting Act. I have written several letters informing you of this and as of this date have not received a response. I still have no access to my credit report. I have filed a complaint to the Consumer Finance Protection Bureau and I am including a copy of this letter to them also. Your prompt attention to this matter is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Your company is in violation of the FCRA and XXXX Compliance and reporting violation. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) dates include in attachment.

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 2019-06-29
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Hello. I recently turned in a 2016 XXXX XXXX to the XXXX XXXX XXXX dealer in XXXX Florida after I completed my lease. I made my final payment in XXXX and on XX/XX/XXXX a day before my lease was due to be turned in I went into the dealership and the keys were given to one of the sales guys that sold a vehicle to us the weekend prior. He assured me that the keys were going to be turned into the person responsible for the lease returns. I get a call from GM Financial two weeks which is the finance company for the car on XX/XX/XXXX asking me where the car was. I told them that I had left the car at dealership as per contractual agreements. Apparently the dealership had not done their due diligence and did not do as they were supposed to. I received a letter from GM Financial this week stating that my car was repod and therefore it will get sold at auction and I'm going to be responsible for whatever fees and payments come about that. The car was repod from the dealership and I don't understand how this is any fault of mine. I find that unlawful as I turned over the lease as I was supposed to and the dealership should be responsible for any fees. They didn't even record the car the day that I turned it in. They're saying that they have XX/XX/XXXX as the date that I turned in the car. I should have nothing to do with that. I didn't receive any type of notification other than that call from GM Financial on XX/XX/XXXX that my car had not been turned in. The dealership is giving me the run around but GM Financial is stating that they will proceed with the steps to take after a car is repod. Do you have any advise for me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
RE : No email notification when a new statement is available I have XXXX credit cards with Chase - one personal and two business. All with the same account information and email address. 
For one of the two business cards I never receive email notifications when a new statement is available online. Moreover, I have been receiving letters from Chase stating that the emails were undeliverable. 
I used to have the same problem with the other business card as well, but somehow I started getting email notifications a month ago. 
My email address on file is correct : it works for transaction alerts, which I receive regularly for all the cards, and for statement notifications for my other Chase cards. 
I notified Chase of the problem on multiple occasions : - Secure message XX/XX/2023 ; the response was that my email address on file was correct and I had to call in because the issue was best dealt with by phone ( sic ). 
- Phone call XX/XX/2023 : I was on the phone over XXXX minutes being transferred from one rep to another ( four total ) and got the runaround from all of them. Tech Support was particularly worthless, literally XXXX me and claiming that there was nothing wrong. 
- Secure message XX/XX/2023 ; the response stated that my email address was correct and that no emails were returned as undeliverable, and that I should call for further help because the issue was best dealt with by phone. 
Sure enough, I continued not to receive email notifications when a new statement was available. Moreover, I just received another letter from Chase dated XX/XX/2023, which states that emails have been undeliverable. 

It is obvious that there is a problem with the Chase system, since my email address on file is correct and is the same for all the cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account, 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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12
Company: EQUIFAX, 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: Account status incorrect

Complaint:
sorry my grammar is not 100 % accurate! 

Hi & To Whom It May Concern : How are you doing? Im not sure who to bring this up anymore, but I been dealing with the original dealership XXXX XXXX for the last 3-4 months in regards to a vehicle that was never on my possession. As I mentioned, I never took the delivery of the vehicle and its been on principal owner XXXX and XXXX dealership for day one due to mechanical issue. And now my credit report is all ruined because the principal owners never dealt with them on timely manner. Every time I called them, they kept saying that they dont have the money to send back to the bank to remove this from my credit report. Ive called the alleged bank XXXX XXXX several times and they stated in several occasion that once they receive the money from the Dealership that submitted the Credit Application they will go ahead and remove the tradeline from my credit report. 

Today, I look at my credit report again, it continues to report incorrect on my credit profile. It shows balance {$0.00}, however, its reflecting with derogatory mark, such as comments as settled-less than full balance, other bureau shows account legally paid in full for lass than the full balance, and Equifax reports as settlement accepted on this account or paid account/XXXX balance. As you can see on the pictures, I NEVER made the payment on this account. The dealership made the payment directly to the bank and you can see the check was made by them XXXX  XXXX XXXX XXXX. 

Therefore, this is causing me tremendous stress, and Im overwhelmed with lack of professionalism and blunt errors on my credit report which is costing me thousands in interest rate and fees. 

Please, I ask again, resolve this from my credit report either CORRECT as Paid NEVER late or remove the entire trade line from my credit report as promised. 

-- I need the company to remove this tradeline from my credit report as I never made the payment, and never took the delivery of the vehicle. Please delete this tradeline from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: Uplift, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards of items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
I have information on my credit from someone who lives in Texas who is using my identity. This abuse of my identity have me afraid. I am victim of identity theft. I want l security freeze immediately on all 3 bureaus. Please stop the abuse from happening to me immediately. They listed a job a job that is associated with me on my credit report that I know nothing about. Person is also trying to buy a car in my name, please help!!

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 2021-10-10
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage was sold on XX/XX/2021. The new company will not send me a currant bill. Tried multible times on the phone with no resolve tried online nothing. My bill is now overdue and ( had this mortgage for years with another company was never late ) The new company is Freedom Mortgage I need help here as this is a VA loan. Another problem here is I changed my home owners insurance in XXXX for XXXX XXXX dollars less a year XXXX will not reconize this and still wants the XXXX instead of XXXX. I am a XXXX XXXX XXXX XXXX Vet and do not pay real estate taxes. This company had me on hold for 45 minutes on the phone and still could not send me a bill

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 2023-09-16
Company: Experian Information Solutions Inc.
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$6900.00} ; XXXX XXXXXXXX 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 explanation
Consumer complaint received 2020-01-17
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have verbally requested Santander Mortgage Servicing to update my mailing address for my 2 mortgages I have with them. I previously updated Santander 's 'banking side ' verbally and this was not an issue. However I was told by Santander Mortgage Servicing that they were required " by law '' to get my request to update my mortgage mailing address in writing. To the best of my knowledge that is a lie, there is/are no Federal or State laws which require such a request in writing, as a matter of fact if anything its just the opposite, Santander Mortgage Servicing has a fiduciary responsibility to update my mailing address as quickly as possible, something they are refusing to do without a signed written request. There is no need for that as it only further exacerbates the fact my personal financial information has been being mailed to the incorrect address for the past six-months. 

My mailing address is ( and needs to be updated on both mortgages to ) : XXXX XXXX XXXX  XXXX XXXX, FL XXXX That's all that needs to be done, and Santander is  refusing to do so without a signed written authorization, and providing false, misleading and/or blatantly incorrect information as to why. 

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 explanation