BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-22
Company: Sunlight Financial LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Sunlight complaint In XXXX XXXX, I signed an agreement for sunlight financial to finance my solar panel installation which was being completed by XXXX XXXX for approximately $ XXXX XXXX XXXX  did the initial installation ( panels etc ) in XX/XX/2022 but never completed all other required steps including state inspections. Regardless, Sunlight Financial proceeded to disburse funds to pink energy without first confirming with the person on the hook for repaying the loan to confirm the project was substantially complete. Fast forward - the solar system is not functioning due to incorrect installation but sunlight Financial has refused to admit wrong doing and stop payments. Multiple attempts to get them to reason and admit their lack of internal controls has resulted in this predicament has proven futile. Sunlight should have asked me to confirm completion of project prior to disbursement of funds. XXXX XXXX is now defunct and as a result, Im stuck with repaying a loan for something that does not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
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: Credit inquiries on your report that you don't recognize

Complaint:
Inquires i have no knowledge of with my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2023-01-14
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened an account XXXX, when i XXXX  to activate the card it started the account was restricted i then called chase and they told me the account was closed and the could not tell me why. I asked why hadnt I received a adverse action letter or anything in the mail on XX/XX/14

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account is paid and needs 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 2022-10-14
Company: Selene Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Myself and my business partner purchased a property from XXXX XXXX back in XXXX during the foreclosure redemption period. All funds were wired on XXXX. XXXX XXXX still transferred the loan to Selene finance at the end of XXXX. Upon knowing this we reached out to Selene finance at the beginning of XXXX Selene would not talk to us until they approve the 3rd party authorization that they received on XX/XX/XXXX. We were told it would take 5-7 days to process and it of course it took longer than that to approve the request. 
We had to make multiple phone calls with no clear answer on why it took longer to process. We are now on call probably 10 with no resolution. We spoke to a supervisor on XXXX who had us email her all the proof that we had to show the payoff to XXXX XXXX on XXXX. That was done. She was also confused about why XXXX XXXX transferred the loan and that she would have the funds that were in suspense applied to the loan so the loan could be closed. She said she would call us back by EOW and of course, that would now happen. We have made several calls and no one has been able to provide us with an update. We keep getting " call back in 3-4 days ''. We are currently on the phone ( XX/XX/XXXX XXXXXXXX XXXX ) waiting to be transferred to an escalation department. We have been on the phone approx 45 minutes waiting. At this point, I am also filing a complaint with the OCC because this is just ridiculous. I have a complaint opened against XXXX XXXX also, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Experian Information Solutions Inc.
State: MI
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 have a XXXX XXXX XXXX  that is listed on my credit report and the account is not mine as it is fraudulent. The account says XXXX XXXX and Ive had version phone service since XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2022-09-19
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Last XXXX I called PNC Bank customer service for my account number to receive my stimulus payment. The customer service agent gave the wrong account number. I contact the IRS, XXXX XXXX XXXX XXXX XXXX, and PNC bank to no avail. Its going on 2 years since they gave me the wrong account information, I want my stimulus payment deposited to my new account with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had two Mortgages with Wells Fargo Bank. The first Mortgage ( XXXX # : XXXX ) with a principal balance of {$720000.00} was paid off on XX/XX/2020. The 2nd Mortgage ( Loan # : XXXX ) with a balance of ~ {$280000.00} is still active. During the XXXX period in 2020, i took Covid-19 Deferral for both mortgages for the exact same period ( due to Covid Deferral my mortgage payments were deferred ). In 2020 i received a letter from Wells Fargo saying on my mortgage that is still active ( Loan # : XXXX ) Wells Fargo Overcharged me for Deferred Interest ( something to do with interest rate change occurrence ) and gave me a refund/interest rate adjustment of {$3900.00} and a check for {$370.00} for a total of {$4300.00}. 
I then contacted Wells Fargo and said this interest rate change occurrence also applied to the other mortgage which i paid off in ( Loan # XXXX ). This loan had a principal balance of {$720000.00} and then Wells Fargo made me pay {$740000.00} or + {$15000.00} due to interest and " other charges ''. I believe this includes Deferred interest due to Covid 19, and this interest calculation is incorrect ( made the same mistake as my current loan ). I wrote to Wells Fargo 3 times on this, and they have not responded. Since the mortgage is paid off they do not want to open a can of worms because if this mistake applies to all loans with Covid 19 Deferral that were paid off Wells Fargo will have a big liability on their hands. I would greatly appreciate your assistance in looking into the interest calculation for both loans ... and check if the mistake made on the loan where they gave me a refund applies to the larger loan. The dollars are very material for me. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Garcadia Financial LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
In accordance with 15 U.S. Code 1635, I, the alleged obligor, am hereby exercising my right to rescind the credit transaction which was allegedly executed on XX/XX/2021 for an auto refinance loan with a total of {$19000.00} between myself and Foursight Capital. This is because, Foursight Capital, the creditor, did not " clearly and conspicuously '' disclose, in accordance with regulations of the bureau, to me the alleged obligor, my right of rescission under 15 U.S. Code 1635. 

Note : this loan was first owned by XXXX XXXX XXXX who then sold loan to Foursight Capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Someone used my social security number to open a Bank of America credit card under my name WITHOUT my permission. I believe this to be identity theft. Also used an address that I have never lived at before. I do not associate with address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX fl XXXX. This is not my address and has never been my address

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 2023-08-31
Company: EdFinancial Services
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Last year before the Biden student loan relief plan had been announced, I made a payment of $ XXXX to EdFinancial. After the news of the Biden plan came out I requested a refund for those $ XXXX. I never got the refund, but my loan balance went up to the original amount. I have contacted Edfinancial by email multiple times and they say they are looking into it. Loan repayment starts soon and I still " owe '' the original amount. I have evidence of the payment I made, as well as evidence of EdFinancial acknowledging my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Open Dealer Exchange, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : Bureau : XXXX Creditor Name : 700 CREDITXXXX XXXX  Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you are in possession of any document that has authorized your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any such document is immediately mailed to my address listed above so that I may review it.

If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: VA
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 fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 ... ... ... ... section- ( 602a ) section- ( 604a ) section2 Equifax information services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I took a family trip to XXXX from XXXX XXXX on XX/XX/2022 and returned XX/XX/2022 ( XXXX XXXX XXXX ; have attached proof that I was in XXXX below. My second flight was cancelled due to weather so please refer to the other flight ). During my stay in XXXX I was notified via text from Wells Fargo of a transaction occurring in Florida and stating if this was me or not. It was obviously not me since I was in a different state so I called the number and had my card closed. To my surprise a total of 4 transactions had already gone through : XXXX ( XXXX XXXX ), XXXX ( XXXX store transaction ), XXXX ( XXXX XXXX ), and XXXX ( XXXX XXXX XXXX. All these transactions occurred on XX/XX/2022 for a total of {$310.00}. When I contacted Wells Fargo to submit a claim ( Claim # XXXX ) for my funds they concluded that they would not be refunding me because it was made by someone who used my PIN ( even though these can be found via a skimmer or other debit card reader ). Additionally, the card was in my possession with me in XXXX so not entirely sure how this could have happened. Any help will be appreciated and look forward to hearing from you soon.

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 2023-11-07
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: Self Financial Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
During the time of my XXXX  someone stole my identity. They have the wrong birth year on XXXX credit report and addresses. I have 4 accounts, XXXX XXXX XXXX {$590.00} on XXXX XXXX XXXX XXXX XXXX XXXX XXXX account I never approved or asked to be added to on XX/XX/XXXX and also Self financial /lead {$720.00} on XXXX XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX  on XXXX  Can you please investigate and remove from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was charged fees that are unexplained on my account. All it says is " Uncollected fees '' for {$2300.00} I have absolutely no explanation of these fees and the representative from the company could not explain them, just said they were owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: ALAMEDA MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
FDCP act and XXXX act violations are now in the XXXX XXXX XXXX of dollars for statutory damages. Civil code violations are adding up to over {$XXXX} in statutory damages. Criminal violations can be prosecuted my ME!!! 

For the XXXX time : where the XXXX did you apply my money. Escrow is insufficient. You are on a desist order to make accurate monthly accounts. Your complete disregard for the law is astonishing. What escrow? Taxes or XXXX or both. Where did u apply the money!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Ocwen Financial Corporation
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was instructed by XXXX XXXXXXXX to file a complaint with CFPB to assist me with my issue. 

In XXXX, PHH contacted me to inform me of a missed mortgage payment. When I asked for which month, the representative told me they did not have a date and that I needed to provide proof of all payments for the year. I contacted my bank and provided proof of payments for the year. Despite my calls for resolution I was told it was being researched/ reviewed. Months later I never received a formal response and they began reporting me as a month delinquent. This has prevented me from refinancing my mortgage and taking advantage of XXXX because they have continued to report me as delinquent without providing a date for over a decade. I am asking to have this matter resolved because according to PHH my loan has matured and I am responsible for paying off my mortgage this month ( XX/XX/XXXX ). Im prepared to pay off my mortgage as soon as they provide proof of the mortgage and the pay-off amount, which I have requested but have not received. I refuse to pay any late fees or an additional mortgage payment because I do not owe one. This mortgage company has exhibited a pattern of underhanded dealings throughput my mortgage. In XXXX, they attempted to foreclose on my XXXX mortgage claiming I had not made adequate payments due to a lack of homeowners insurance. I contacted the XXXX XXXX and proved that I was not in default due to a lack of homeowners insurance. In fact, for 3 months I had XXXX active policies. In the process I also uncovered that they were illegally increasing my mortgage by over $ XXXX and they could not explain the charges. So not only were they charging me and exaggerated amount for homeowners insurance I did not need but using a made up added monthly charge of over $ XXXX to force me into foreclosure. They acknowledged the error in charging me for unnecessary insurance but never explained the additional amount added to my mortgage, which I deem to be fraud. The XXXX XXXX did not take any action against them and they still keep part of my mortgage payment in suspension for years and reported me as delinquent until I repeated requested that the matter be addressed. In XXXX, XXXX XXXX did not advise mr to reach out to CFPB which could have been a tremendous help then but Im glad I was advised to do it now. 

In closing, Im asking the CPFB to assist me in getting this matter resolved and in the event fraudulent activity is taking place by PHH that the appropriate action is taken to prevent this behavior from affecting other hardworking borrowers.

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 2019-09-21
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: Their investigation did not fix an error on your report

Complaint:
Experian has put an illegal and fraudulent security freeze statement on my credit file. I have notified them in writing with copies of my ID and it was sent via certified mail and they refuse to remove it. They are in essence holding my credit file hostage. They are trying to make things difficult and are violating federal law. They are also refusing to report a valid AU tradeline on my credit report. Their intentions seem to be to hold my credit score down to intentionally cause me to be denied credit or to pay higher interest rates. This is the 3rd time I have asked them to remove the security alert statement and they are refusing to do so. Their illegal schemes need to be investigated. I have attached my DL, Social security card and my XXXX XXXX bill for verication if ID. I am demanding that the security alert and statement 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 2020-11-06
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I've been watching Experian play around with my credit score for years. It's clear their system is rigged against the consumer! I don't understand why they're allowed to control and manipulate something that dictates whether people can get loans, make purchases, and/or how much interest they will pay? Seems logical that they have some sort of incentives to do keep scores down.

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