BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-10
Company: Experian Information Solutions Inc.
State: NY
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 have had a Home equity loan from XXXX XXXX since XXXX ( interest only payments until XXXX ). In XXXX it converted to interest and principal payments ( the monthly payment nearly doubled ). As I was now retired on a fixed income at that time, the new higher payments were a struggle to make. I applied to XXXX for a loan modification. This process was to say the least, agonizingly slow and laborious. However, after many months the modification was approved and my new monthly payment was reduced by half making it very affordable and putting my mind at ease. <P/>But here 's the problem. From XXXX of XXXX to XXXX. of XXXX the payments were getting ahead of me. I started to fall behind while waiting for the modification from XXXX to come through. When I could I would go to the local branch of XXXX and make payments of {$1000.00} dollars. In one of many phone conversations with the modification officer working my case, I mentioned making these payments. He said I did n't have to do that. He stated that any unpaid balance would be assimilated in to the modified loan. So I stopped making those payments. <P/>The modification was approved and I entered the 3 month trial payment period. Having made those trial payments on time, the final new modified loan was approved. And in deed, the previous balance was assimilated in to the new loan and the account show current. <P/>Now, here 's the rub. It seems that during the 3 month XXXX XXXX, XXXX and XXXX of XXXX XXXX trial period those payments did not go directly towards the loan balance. I 'm assuming they went in to some kind of holding account until the trial period was over. And, indeed that is what happened. But meanwhile the bank reported that not only were there late payments from XXXX XXXX to XXXX XXXX but they also reported as late, the trial period payments XXXX XXXX, XXXX and XXXX XXXX XXXX even though they were made on time. <P/>My credit rating has since gone downhill now. I have written to XXXX and even contacted the local XXXX branch manger to try and correct this problem. According to the Credit bureaus I 've contacted, this type of dispute has to be corrected by the bank. The bank has replied basically saying " Tough luck '' I 'm a XXXX year old retired Veteran. I may not have 7 years to wait for the credit report to " self '' clean the information. <P/>I 'm at a loss as to how and try to fix this problem. I WAS TOLD by the bank that I did n't have to make those payments and then they XXXX me ( and I 'm guessing a lot of others too ) by giving me a bad credit rating with no effort to fix it. <P/>I 'm at a loss!

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 2023-09-01
Company: EQUIFAX, INC.
State: CA
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:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX. Please remove this account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX  ( XX/XX/XXXX ) and XXXXXXXX XXXX ( XX/XX/XXXX ) made a hard pull on my credit report of TransUnion without my consent.

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 2019-11-04
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
double withdrawal of XXXX producing XXXX and excuse discussions by different represenatives as to the whereabouts of the deposit initially into TD Simple Savings. 

The request I made for an indemnification letter was being loomed around by he reps, they seemed to act as if it was not such thing. 

TD Simple Savings account XXXX routing XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: Pacific Union Financial, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Back in XX/XX/2017 I was approved for a loan modification, and shortly after I was approved I lost my job. At that time, I was driving trucks for a local trucking company. In trying to avoid filing for bankruptcy, I have tried to work things out with my mortgage company, and I finally came to the realization that I needed to list the property for sale. 
I have received a good offer from a buyer who is ready and willing to purchase the property, even with the repairs that need to be made to the property. Once I submitted the documentation to the mortgage company, they held onto it for weeks before they came back and said that they did not have enough time to review the file for the short sale. Now, if you ask me they would have had enough time had they not held on to the file for week and not given it to a processor. I am not asking for a handout, I am just asking for the bank to be fair and review the offer. I need your assistance in getting the bank to do what is right, and what is required by the government to assist homeowners when they are in financial trouble and can not afford to pay the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. Best regards, I remain

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I first had my loan serviced through XXXX XXXX, and when I found out about XXXX, I was employed through the XXXX Department XXXX XXXX XXXX. I was hired on XX/XX/2016, and made about a year of qualifying payments since the hire date. I then applied for XXXX, and was advised my loan servicer will be changed to XXXX, but was advised that the qualifying payments I had made being employed by XXXX to the XXXX XXXX-serviced loans would qualify towards my total. 

However, the story has changed. Now I'm being told the year+ I had made qualifying XXXX payments would not count towards the total, and for some reason my qualifying payment total keeps being reset to XXXX. I have made about XXXX payments thus far while being under XXXX, yet my number of payments is still XXXX. It seems like I have not made any progress towards XXXX at all, even after making payments while being employed under XXXX for more than XXXX years now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Unexpected or other fees

Complaint:
PayPal payments to international persons not fully provided as indicated by receipt. Recipient get deducted an amount that is not what I paid. XXXX instances, first : sent XXXX XXXX XXXX in XXXX but recipient was not given full XXXX XXXX, instead recipient received XXXX XXXX. I was charged the full exchange rate and had to make up the difference to the recipient. Today, I sent XXXX XXXX to recipient for a receipt showing a total of XXXX XXXX XXXX ( which is what I wanted to send ) at today 's exchange rate. The recipient did not receive XXXX but instead was given XXXX XXXX XXXX. I was charged fee for exchange rate and the recipient was shorted approx XXXX XXXX that I now have to again send. PayPal says they paid the full amounts each time to recipient. Not sure what is really going on but something is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: WELLS FARGO & COMPANY
State: CO
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:
In XX/XX/XXXX I contacted XXXX to correct a negative payment history on a credit card with Wells Fargo from XX/XX/XXXX. I provided the following information. 

In XX/XX/XXXX I was XXXX when all communication was secured for operational security. We were without internet access for approximately 40 days. During this time, the credit card payment was due, but I was unable to make the payment without internet access. As soon as access was restored, I promptly paid the bill in its entirety. 

XXXX  closed the investigation today. They added the addition to the comment section : " and dispute investigation completed, consumer disagrees. '' The comment could be construed that an investigation was actually conducted, which seems doubtful, and I disagreed with the results of the investigation. To my knowledge I have not been provided with any further information collected during the investigation such as a response from Wells Fargo. Dispute and disagree are synonymous, so not only could the comment be misconstrued, but it would seem that the entirety of the investigation was to add a comment documenting that I disagreed or disputed something, which required no investigation at all because the " investigation '' was a direct consequence of filing a dispute with the report. 

If XXXX or Wells Fargo had provided documentation or rational to the justification for the negative mark on my credit score, I would have been receptive to concluding this matter ; however, this resolution was recursive and evidences the insincere at best or false claim that XXXX actually investigated the matter. If an investigation did not take place, they have willfully neglected their responsibility to investigate this dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-03-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Please Refer to my complaint. I have found the mortgage number along with letters relating to my struggle in refinancing through HARP. My son was going through XXXX XXXX XXXX ( at XXXX ) around this time and I was dealing with a XXXX XXXX class action. The account of the mortgage was XXXX. I lost my family home because every time I would fax the COMPLETE set of Harp documents to Wells Fargo, they would tell me they didnt receive them. I was accustomed to doing document productions and transmitting them as a legal assistant at XXXX, XXXX XXXX, XXXX and XXXX, and more ( XXXX XXXXXXXX XXXX ) and I know I was getting the run around from Wells Fargo. I have correspondence relating to this horrendous time and I can feel my blood pressure riding as I type this. I deserve a serious look at this.

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 2020-11-11
Company: Experian Information Solutions Inc.
State: CO
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 submitted a dispute to remove an invalid account from my credit report and they have not resolved my dispute in time. 
I submitted the dispute on XX/XX/2020 It is passed the 30 days and this dispute is not complete. 
Experian report number is : XXXX I provided all extra documentation they asked for. When I contact Experian Im told they are still working on my dispute. This is illegal and a violation of my rights.

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 2021-04-15
Company: EQUIFAX, 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:
MY NAME IS XXXX XXXX XXXX. SOMEONE STOLE MY PERSONAL INFORMATION AND USED MY INFORMATION FRAUDULENT TO RECEIVE MEDICAL SERVICES. I HAVE ENCLOSED A POLICE REPORT AND FTC REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: CITIBANK, N.A.
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2023 I realized my credit limit was reduced from { {$12000.00} } to { {$6800.00} }. The result is a substantial injury to me by interrupting commerce and causing harm to my livelihood as I am the original creditor to this agreement as consumer credit was utilized and extended to open this account. In accordance with the FDIC Laws and Regulations, I assert there has been a Violation of TILA, FCRA, ECOA, CCPA. - Violation 15 USC 1637 ( I ) ( 2 ) In the case of any credit card account under an open-end consumer credit plan, a creditor shall provide a written notice of any significant change, as determined by rule of the XXXX, XXXX the creditor and the obligor, not later than 45 days prior to the effective date of the change. - Violation 1031 ( a ) and 1036 ( a ) ( 1 ) ( B ) of the CFPA An act or practice is unfair when it causes or is likely to cause substantial injury to a consumer which can not be reasonably avoided - 15 USC 1681 ( D ) ( 6 ) a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested, shall be disclosed to consumers Within thirty days prior to making changes. The harm associated with the actions by Citibank include a XXXX decrease in credit score, denial of funding for my business ( livelihood ) which limited the ability to maintain critical business continuity.

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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 this account has violated my rights. 

XXXXXXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2018-10-09
Company: CL Holdings LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I basically had a 2012 XXXX XXXX. It had XXXX miles on it. I paid XXXX off. It was repossessed. It was my first car loan. They took out a XXXX loan for a car that was on worth XXXX. I feel like this was predatory loaning. I basically paid for the car. They reposssed it when I lost my job. And put this balance in my credit. The starting price for car was XXXX. Im just wowed at the balance sitting in my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: SANTANDER HOLDINGS USA, INC.
State: MI
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:
On XXXX XXXX a hard inquiry was listed on my credit report. I contacted the company on XXXX XXXX I have not received any explanation back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX XXXX XXXX XXXXXXXX Number : # XXXX 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.

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 2021-04-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I submitted a complaint against Equifax XXXX COMPLAINT ID XXXX ) and they sent me my credit report. There are errors on it, and despite complaining to them prior, and also in my filed complaint, they do not acknowledge that while I have an account, I can not access any information, nor can I access information via telephone. On line, it keeps giving me a message that it is temporarily unavailable, and via phone, they state I am not recognized. In other words, on my complaint they simply pushed a button and sent me my credit report, but did nothing else to resolve the issue. On the phone, I get to the verification steps of loans, and since I do not have any, I answer no to all their questions, and then they tell me I can not be verified. And the credit report shows I do not have loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Experian Information Solutions Inc.
State: OH
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:
IhaveanaccountonmyfilethatisnotmineIfiledafraudalertmonthsagowiththecreditbureausIfiledapolicereportaswelltohavetheaccountdeletedfrommycreditreport.Pleaseseeattacheddocuments.Pleasedelete/removethefollowingaccounts:XXXX/XXXXXXXX#XXXX,XXXX/XXXXXXXX#XXXX,XXXXXXXXXXXXXXXX(XXXX)#XXXXPLEASEUPDATEMYCREDITREPORTASAP!

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 2019-11-04
Company: AMERICAN EXPRESS COMPANY
State: MA
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:
When I closed my American Express account I had a {$50.00} credit balance on it. American Express claims that it had refunded the money to me, but I never received any checks from them. 

American Express also claims in the attached letter that I never contacted it regarding the problems of my cards or other mailed items not being delivered to me. American Express is wrong since I contacted its customer service numerous times explaining that they must have been listing incorrect name and address on the mail that should have been addressed to me.

Company response to consumer: Closed with monetary relief