BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: Selene Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
Follow up on numerous occasions over the last 6 weeks. Every call resulted in representatives indicating they were trying to reach supervisors XXXX and/or XXXX ( or an Escalation Dept. representative ) who we initially spoke to in early XX/XX/XXXX regarding the approval and of late charge reversal and reimbursement. Every call initiated to Selene resulted in us being put on hold multiple times and up to 10 minutes each time. Representatives, who we have spoken to over the last several weeks include XXXX, XXXX, and XXXX as well as many others. Each representative indicated that all of our present and past telephone calls have been documented and recorded. 

On one call in early XX/XX/XXXX, Supervisor XXXX asked for our correct checking account number and routing number and gave her word that she would contact us back once approved XXXX indicated that given the circumstances leading up to our dialogue with her, this approval this should not be an issue. She empathized and apologized for the IVR payment process and not hearing the correct information to process our mortgage payment made on XX/XX/XXXX. We felt confident that XXXX would follow up with us directly to resolve this escalated matter. To date, there has been no management follow up whatsoever nor have we received late charge reimbursement or even proof of approval of late charge reversal along with documentation of no adverse credit impact. Given the extreme amount of calls we have initiated to Selene Finance regarding this matter, we are now hereby requesting written documentation of the late charge reversal and no adverse credit reporting. Likewise, we would like to know specifically when the reimbursement of the {$200.00} ( late fee ) will be reflected in our checking account. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: EQUIFAX, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, ...... has violated my rights 15 U.S.C 1681 sec 602 A ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting.

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 in accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Fairway Independent Mortgage Corporation
State: CA
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:
On XX/XX/2021 I was solicited by a lender on XXXX. They asked for my credit history and income and asked me to complete their application sent to my email. I started to complete the mortgage application and never submitted it back to the company, I never completed or signed the document I quit halfway. Unfortunately, I quit completing the application after I checked a box that said they could run my credit. But like I said I never finished the application nor did I ever sign or submit the application to them for processing. They took the application and ran with it and ran a hard credit inquiry on me without my permission on XX/XX/2021. When I found out about this I was furious and told XXXX XXXX they had no right to run my credit. He was rude and never apologized nor did I ever receive a copy of the this hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: TX
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:
I am a Victim of identity theft. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have fraudulent inquiries on my credit profile that need to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Unauthorized Credit Inquiries In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions. My legal rights have been violated. Due to this violation this account must be removed from my credit report immediately. 



In accordance with the Fair Credit Reporting Act, 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. My legal rights have been violated. Due to this violation this account must be removed from my credit report immediately. 


In accordance with the Fair Credit Reporting Act, 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. My legal rights have been violated. Due to this violation this account must be removed from my credit report 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 2021-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
**THIS IS NOT THE SAME COMPLAINT AS PRIOR - NEW SITUATION HAS JUST ARISED WITH CAPITAL ONE. AFTER 8 MONTHS OF NO REPORTING ON A PAID IN FULL ACCOUNT FROM XXXX, XXXX, CAPITAL ONE FRAUDULENTLY UPDATED MY CREDIT REPORT FOR THE MONTH OF XX/XX/XXXX, WITH AN INCORRECT REFERENCE AS WELL. ** DETAILS : On XX/XX/XXXX, I pulled my XXXX  Credit Report, and discovered that Capital One had incorrectly updated my account ending in XXXX from a Paid in Full Status XXXX, XXXX - ( XXXX being the FINAL month reported, EIGHT MONTHS AGO ) to now updating it to show a CO ( charge off ) for XXXX, XXXX. This is technically impossible and completely inaccurate. 

There are 2 Issues Here to Resolve : 1 ) No Activity has happened since XX/XX/XXXX, and every month should report a NA 2 ) My Account was NEVER NEVER NEVER NEVER been a Charge Off I paid my account in full on XX/XX/XXXX. At that time, because I had fallen out of a 3-payment settlement when Capital One refused to give me a 2-week extension, I immediately had to scramble, beg, borrow, and use my unemployment funds to scrape together the ENTIRE FULL ACCOUNT BALANCE to pay it in full before a charge off. And I did so. I made the payment and it was before my account charged off. That has been verified multiple ( MULTIPLE ) times, including through a recorded Capital One conversation on XX/XX/XXXX, as well as a REFUND CHECK to me for {$57.00} because when I paid them on that day, I did EVERYTHING to ensure that I resolved it free and clear without trailing interest for the month, etc, making sure it was a {$0.00} balance and before the charge off. I went above and beyond to ensure a big excess payment so that they wouldn't be able to say I hadn't paid everything on that final day when I did, and that was, 100 % was before a charge off. 

Following this PIF payment, I received a check for the overpayment from Capital One in the amount of {$57.00} Following a different complaint to CFPB on Capital One about how they allowed an extension on my husband, and not me ( discrimination ), Capital One sent me a letter confirming that my Account was PAID IN FULL, and not a charge off. 
I downloaded my final statement., confirming no charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, it is crucial that all information reported is accurate and correct. 

I have previously informed your company about these inaccuracies, and I am pleased to inform you that the item in question has been successfully removed from one of my credit reports. However, it still remains on the other two reports, namely XXXX and Transunion. 

I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of distress. 

I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. 

Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution.

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 2023-02-17
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
To whom it may concern, I am writing to dispute a collection account that was opened fraudulently in my name. I recently discovered this account on my credit report and have reason to believe that it was opened without my knowledge or consent. 

I have never applied for or authorized any account with the company in question, nor have I ever received any services or products from them. Therefore, I do not owe any debt to the company. 

Furthermore, I have taken all necessary steps to protect my personal information and have never shared my personal details or account information with anyone. I believe that this account was opened as a result of identity theft or fraudulent activity. 

I am requesting that the collection agency remove this account from my credit report and cease all collection efforts immediately. I also request that you provide me with written confirmation that this matter has been resolved and that the fraudulent account has been removed from my credit report. 

I am willing to provide any additional information or documentation that may be required to support my claim. I appreciate your attention to this matter and look forward to a prompt resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I hate this! I already spent a lot of months sending disputes and filing complaint but I don't see any results from my disputes. This is really hurting me and giving stress to me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: Self Financial Inc.
State: KY
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 reporting act " SELF/LEAD XXXX, has violated my rights. 

- 15 USC 1681 section 602 states i have the right to privacy.

- 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

- 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: Emmett L. Goodman, Jr., LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We have made many attempts to reach XXXX to no avail and they are attempting to collect the incorrect amount regarding our account and have passed it to a law firm to collect illegally. We have made multiple attempts in trying to resolve this matter to no avail. When we went into agreement with XXXX with in XX/XX/2016 we were provided with a 12mth free interest program which is not being honored nor has it been provided to the E. L. Goodman LLC. They are attempting to collect the incorrect amount and we spoke to many representatives with in this law office who stated they would reach out to XXXX to request this information. However, I spoke to a lawyer in the E.L. Goodman office who was assigned the account who was very antagonistic and refused to reach back out to XXXX regarding the 12mth free interest component of the agreement. Although we signed an agreement, we were also provided with the caveat and the 12mth interest free was noted on our account at the opening of the account. We do not agree with the balance. We also attempted to explain to representatives within XXXX our extenuating medical and financial circurmstances encountered with our daughter who was hospitalized for over 34 Days in ICU and they were heartless, uncaring and discriminatory towards XXXX XXXX and U.S. Military Veterans who have served their Country. They are practicing very deceptive practices with their Collection Agency E. L. Goodman.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I made a wire transfer on XX/XX/2022 for {$20000.00}. I received an email confirmation from the bank that the wire was sent. The recipient never received it. Subsequently the bank told me it was held for compliance review. It has now been over 4 months and I can not get any meaningful response from Citibank. They tell me there is no person I can speak to and that they are under no time obligation to complete a compliance review.

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 2022-10-26
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
The dispute is with PAYPAL CREDIT/SYNCB, XXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX - XXXX. Account number XXXX XXXX XXXX XXXX, On XX/XX/XXXX, PAYPAL withdrew {$740.00} from my checking account. This transaction was not authorized. The charge on my checking account showed up as follows : XX/XX/XXXX - {$740.00} PAYPAL CREDIT - Paid with XXXXXXXX XXXX XXXX XXXX - Transaction ID XXXX. 

I request that the {$740.00} be returned to my XXXX XXXX, XXXX checking account. 

PAYPAL has been contacted via XXXX XXXX on XX/XX/XXXX with no response. 

XXXX XXXX XXXX was contacted XX/XX/XXXX & stated they would have to place a Hold on my checking account for up to 90 days to dispute the charge, but that is unacceptable for me to continue to pay bills online, etc,,, I appreciate your time & assistance in the resolving this dispute. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 monetary relief
Consumer complaint received 2023-10-21
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an auto loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/2023. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 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 XXXX 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 2018-10-16
Company: Credit Adjustments Inc
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My Federal Student loans are in Default and was taken over by Credit adjustment INC. This collection agency is refusing to work with me in repaying my loan and coming out of Default when they first reach out to me I receive a call requesting XXXX to be paid immediately which I had advised that I didn't have then they ask for XXXX he stated that if I didn't paid they will start garnishing my wages I advised the representative ( XXXX XXXX ) that I didn't have that amount of money as I'm just starting to get back on my feet my house was going into foreclosure but we were able to resolve the foreclosure issue. he then stated let me see if you qualify for the rehabilitation program then stated that it will be XXXX a month once again I advised that I can not afford that amount he then reminder me again that it would lead to 15 % of my wages to be garnish I stated that I couldn't pay that amount. The next day I call back spoke to another rep ( XXXX ) who stated that the previous rep work the account incorrectly and stated that I will only pay XXXX a month for the next 9 months she then requested for me to fax my expenses the way we when over it over the phone which I did then I receive a call back the next day by the previous rep asking me for more money then he went over the information again and stated yes you will pay XXXX I made my first payment on XX/XX/2018 then I call to make sure he receive that last document he needed then he stated that he was wrong with the amount he had me pay and it's XXXX a month I advised him that I do not want that amount withdrawn from my account I agree on XXXX he stated that unfortunately that was not the correct amount he then stated lets see if we have another program then he advised we can place on a payment of XXXX for the next 240 months when I calculated the amount after the 240 months its XXXX I told him I can not afford this amount he stated how about XXXX a month he advised there is nothing we can do for you so or you pay the XXXX or we will garnish your wages. This company is not willing to work with me at all I do want to come out of default but for a reasonable amount I went in default cause I was going through a hard time in my life with my home going through foreclosure, the passing of my younger brother, my dad going through XXXX XXXX and losing his benefits and an ill mother I do apologized I had a lot on my plate at the time but I'm back on my feet and want to take care of the matter but Credit adjustment is not willing to help me in this matter but more of threating me to garnish my wages.

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 2023-11-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have not received a direct deposit from Social Security that is due soon. I realize there is a issue but what about us who must pay bills. Are we left hanging out to dry and start loosing everything??

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