BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I was trying to open an account online. I had to drive almost a hundred miles to get to a branch for Wells Fargo to approve my online banking?

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 2021-09-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
As the consumer I sent out a certified mail letter to Portfolio Recovery Associates. The certified letter was a cease and desist order to cease all communication in connection with debt collection. The FDCPA has defined exactly what " COMMUNICATION '' means within the law. The FCRA has defined exactly what " PERSON '' means within the law. 

Here is how the FDCPA defines COMMUNICATION, " the term " COMMUNICATION '' means the conveying of information regarding a debt DIRECTLY or INDIRECTLY to any person through any medium ''. 

Here is how the FCRA defines PERSON, " the term PERSON means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity ''. 

Portfolio Recovery Associates received my notice of cease and desist communication in connection with a debt. XX/XX/2021 at XXXX XXXX, see certified mail confirmation attached. Portfolio Recovery Associates have stated in past correspondence that " We take compliance with all applicable state and federal laws very seriously ''. 

Portfolio Recovery Associates is not allowed to communicate in connection with debt collection to the consumer reporting agencies because they are INDIRECTLY communicating about me, after i told them not to. The consumer sending a cease and desist letter changes what would have been normally permitted by law. Clearly the law is saying that Portfolio Recovery Associates is no longer permitted by law to communicate in connection with debt collection to the consumer reporting agencies. 

Portfolio Recovery Associates is still reporting the alleged debt to the consumer reporting agencies even after having received notice on XX/XX/2021. The debt is alleged and it is false and misleading, for other creditors to see a collection account on my consumer report. The alleged debt is owned by Portfolio Recovery Associates, there is insufficient evidence to bring a breach of contract claim regarding this debt. Portfolio Recovery Associates will have to prove the elements of a breach of contract claim, I'll be looking forward to the testimony of an agent of Portfolio Recovery Associates, preferably one with first hand knowledge that can prove we have a contract and there was mutual assent..

Portfolio Recovery Associates has violated the federal law in more ways than 4. I have not included all the violations by Portfolio Recovery Associates, if needed they will be revealed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Transunion is reporting incorrectly a collection/charge-off on XXXX  account number XXXX. ( Please see page 2 of the attached credit report. ) In XXXX, 2015 I made a final payment of {$2100.00}. This payment should have made this account report a {$0.00} balance. The total amount of the loan was {$2500.00}. I keep receiving bills for outstanding balances due that are non-existent. I make the payment required, only to discover that none of the payments are applied to this account. Every time I inquire about what the actual balance due and owing is, the amount goes up and up. I have paid over {$11000.00} on a loan that I never even signed for. This account was opened fraudulently by my ex-husband however, I had no choice but to make the payments until I straightened this account out. I received no assistance from XXXX  and they refused to close this account. My ex husband e-signed my signature without my consent. I did not authorize and/or approve for this account to be opened. When I discovered that there was an account in my name, I immediately contacted XXXX  and let them know I did NOT open this account. I requested copies of the alleged documents that I signed and discovered from the Disclosure Agreement that this fraudulent loan that was taken out was charging 274.21 % interest. According to their calculations, the original loan amount of {$2200.00} would cost over {$8700.00} in finance charges. After making all of the scheduled payments the total cost of the loan would exceed {$11000.00}. This is PREDATORY LENDING to say the least!!! The Federal Loan cap on credit cards is a maximum of 28 %! I was forced to make the minimum payments due until we could come to some resolve of this fraudulent account. I was never able to make any headway with the representative and as time marched on, the account grew larger and larger. I would pay it off, only to have a statement arrive and see that the balance due was more each month. This incorrect reporting is seriously harming my credit score and this account needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2021-03-15
Company: Freedom Mortgage Company
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Due to loss of income from the Covid 19 pandemic, last year I took advantage of the Cares Act and contacted my mortgage company, Freedom Mortgage, about going on a forbearance plan. I spoke with XXXX, ID no. XXXX who explained the three repayment options, one of which was flex modification which would change the terms of my loan. She said it would reduce my interest rate to the current rate.

After a trial period of first making no payments, then reduced payments, I was, therefore, shocked to receive loan documents that quoted an interest rate of 4.25 % which is significantly higher than the current rate.

More of Freedom 's trickery came in the form of the new loan papers stating my monthly payment would be {$640.00}. That seemed like a good deal until I found out it didnt include my insurance and taxes.

Further, nowhere in the loan documents did Freedom state what the total amount repaid will be after 40 years. Ive been a homeowner for over 20 years and have had quite a few mortgages and refinances. Loan documents ALWAYS state the total amount that will be repaid by the end of the loan. Freedoms loan docs to me does not do that. That is very bad faith and trickery. 

I sent them a certified letter on XXXX XXXX, XXXX stating all this and requesting my interest rate be reduced to the current rate. On XX/XX/XXXX the rate was 2.338 %. Today it is even less. 

I have received no response.

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 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Their investigation did not provide me with the requested information, and exceeded the time frame allotted for them to respond. I respectfully have requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.They have failed to provide this information and it has been more than 30 days. My letter was sent on XX/XX/2021. My follow up letter was sent XX/XX/2021.

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 2023-09-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Re : Account Number ( XXXX ) I accept no responsibility for ownership of this debt ; I recently viewed some inaccurate information reporting on this repossession account. Since your supposed to remove ANY account that doesn't have the exact information on all 3 credit bureaus. REVIEW this account immediately and REMOVE it from my credit report. Once a vehicle is sold at auction I no longer owe the original debt and the information you have on file-is incorrect : ( XXXX XXXX XXXX XXXX  ) Account # ( XXXX ) The true account type for this account is a Credit Sale Agreement. Please remove this account from my credit file immediately.. I look forward to resolving this matter quickly Send me a new FREE updated credit report via mail within 30 days. you only have 30 days to respond or I will file a complaint! 

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
Consumer complaint received 2021-03-15
Company: OneMain Finance Corporation
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Its not the first time they trick me. i get approved they hit my score with credit inquiries and after all they denied the credit. 

The funny thing is that they keep sending me registered cards and letters, even saying that I am approved for. the information is confusing and they create several difficulties after sending the documents. I did the whole process and at the end of that last attempt, I was told that I was denied because my coborrow was from another state, New York in case I reside in NJ in XXXX County on the side of XXXX facing the XXXX XXXX ... I want them to remove the inquiries in my credit report right now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRUIST FINANCIAL CORPORATION
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I am a victim of wire fraud. On XX/XX/XXXX I sent a wire the amount of {$30000.00} to an account/scammer that pretended to be the title company for a home I was closing on on XX/XX/XXXX. I returned to my bank, XXXX XXXX to make them aware and the manager called the receiving bank, Truist to see if the money was still in the account. Luckily the money was not withdrawn yet and the bank put a hold and XXXX XXXX started the recall process. Truist responded to the recall and confirmed again the money was still in the account. To date I have still not received my money back from Truist and have not been provided with any updates on what is going on or when I can expect to get my money back. I've now lost my home and deposit for the home. I need 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 non-monetary relief
Consumer complaint received 2022-02-16
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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. 

has violated my rights. Or a 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 2021-09-27
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am facing some difficulty requesting information from my mortgage servicer ( s ) : XXXX ( XXXX  XXXX, VA, XXXX ) and Loancare ( XXXX XXXX XXXX, CA, XXXX ). I have submitted at least two mortgage payoff statement requests to my mortgage servicer with varying good through dates that have consequently expired and have still not received any payoff letters ( both times I have requested an email delivery of the payoff statement ). I am approaching my next payment due date according to the most recent statement I received from the mortgage servicer and I am concerned that if they fail to provide adequate details as to the amount I owe and the process of submitting my final payment ( certified funds according to their telephone customer service representative I spoke with ) I will subsequently accrue additional interest and late fee penalties as well as incur a negative mark on my credit history. I submitted my first request through their online customer portal on XX/XX/2021 which had a good through date of XX/XX/2021. I sent an inquiry through their online messaging service on XX/XX/2021 about not having received a payoff letter and did not receive any response addressing my issue. I spoke with a representative on XX/XX/2021 about the status of my mortgage and why I could not submit my payment through my escrow account to which she indicated that I would need to request a payoff statement letter and submit the funds either by certified check or through a wire transfer per the instructions that would be provided in the payoff letter. I asked her would it be possible to receive a payoff letter before XX/XX/2021 if my intentions were to select said date as my good through date to which she confirmed it would be possible and that I could expect to receive the payoff letter no later than XX/XX/2021. I proceeded with my request as detailed and I have still not received the payoff letter as of XX/XX/2021. I am concerned that I will continue to face issues with obtaining a payoff letter from my mortgage servicer making it impossible for me to submit final payment due to their lack of providing the amount and final payment process details.

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 2023-01-21
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XX/XX/ I received a call from Macy 's about a missing payment. I have one Macy 's card that I use and it is with AMEX. I used the card in XXXX in the Macy 's store in XXXX, XXXX, and purchased two items. I paid {$50.00} toward this bill on XXXX The bill was due on XX/XX/XXXX I paid over the telephone and was given a confirmation number of # XXXX so I was confused as to why Macy 's was calling me. When I checked the automated account information, the message stated that my next payment was not due until XX/XX/XXXX While I was on the telephone I decided to make the XX/XX/XXXX  payment early. The minimum payment due was {$29.00}, so I made that payment and received a confirmation # of XXXX. After hanging up the telephone, someone from Macy 's called again. I was told they wanted payment for my Macy 's store card. I have not had a store card in 7 or 8 years. In the meantime, the representative said she was taking those two payments off my Macy 's Amex card and applying them to my store card. I told her not to do that because I would incur a late payment with Amex, I would be charged a late fee and it would impact my credit score. She told me she was taking the payment and needed to pay them {$89.00}. The new bill came she took all of those payments and I have a late fee. This can not be legal.

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 2023-09-23
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Lvnv funding furnished inaccurate information to a third party debt collector/attorney XXXX XXXX XXXX trying to collect on an alleged debt and take me to court. On my consumer report it states XXXX they put XXXX. I dont know of any debt. I wrote them back stating the violations they both are in.it is a closed account and STILL reporting. According to 15 usc 1681 ( a ) and 15 usc 1692c ACCURACY is a must on the consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Unauthorized XXXX Transactions I notice two XXXX  transaction Posted on my checking account for {$1000.00} and {$800.00} and also a request for {$1.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian has improperly used my report & contacted me after hours

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 2021-09-27
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX I ordered 24 Sweatsuits, 24 T-Shirts , 24 Beanies, & 24 Ski Masks from XXXX  XXXX  XXXX The production was scheduled to be completed in 14-21 business days. I was told that Id be notified once my order shipped out. I reached out to XXXX XXXX on XX/XX/XXXX to inquire on when I could expect delivery and they emailed me back on XXXX XXXX representative said he reviewed my order and it was scheduled to ship out by the following week. I didnt hear back from them so I emailed again on XX/XX/XXXX to which they didnt respond. 

On XX/XX/XXXX Posh Union sent out an email stating that due to COVID-19 they were unable to fulfill orders and take on new customers. The email also stated that they were issuing refunds or you could wait to have your order fulfilled. If the customer couldnt wait for XXXX XXXX to issue a refund they urged them to file a claim with their bank but I wanted to see if getting my merchandise was still a viable option so I waited. I never received my merchandise and never heard from anyone at XXXX XXXX since. They had an automated email reply, their website was no longer working, and they are unresponsive on XXXX. 

I filed a dispute with Citi Bank 3 times in order to get my funds back but they only returned the {$100.00} I paid to have the custom neck labels done. Each time they said they couldn't help me with my dispute. I have been left without products and now my account is- {$1600.00} because of the banks decision to not refund me for the products I never received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-15
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: Information belongs to someone else

Complaint:
I am intrested in disputing all invalid information on my credit report from transunion.

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 2021-09-27
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I called in to inquiry about purchasing a vehicle with a consumer credit transaction. I was told to submit an application online to start the process which I did. I was also told that I needed to either get a co signer to go on paper with me or I had to give a third of the purchase price down payment in order to purchase the car. I was also told I am not the original creditor and I can not extend credit to purchase a vehicle.

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