BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
Company: LoanCare, LLC
State: CA
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:
Our mortgage was on autopay and when the final payment was due, it was not deducted from our account. We didnt receive any notice until XX/XX/XXXX and I immediately inquired and was informed that a cashiers check was required for final payment. We send a cashiers check on XX/XX/XXXX and was received by XXXX/LoanCare on XX/XX/XXXX. They have reported the XXXX payment as being late on our credit report and it is next to impossible to talk to anyone about this. We are purchasing another home and this single instance is keeping us from obtaining a mort.

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is 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 following items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} 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 2023-01-12
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I purchased a new car at XXXX XXXX in XXXX California on XX/XX/2022. Everything was fantastic with the dealer themselves but for some reason there was an issue with the small remaining balance that I wanted to finance. I did not know at that time that Hyundai Finance rejected my application because it was eventually financed through another company. We recieved XXXX 's rejection letter today. I thought it was a joke. My wife and I have credit scores over XXXX. In looking at the explainations it looks like they used any fabricated reason not to extend credit to us. I do not know if this cost us by paying a higher interest rate or not. It seems that this company is very arbitrary in the way they extend credit and should be investigated.

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 2021-11-18
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 there were two withdrawls made from my personal checking account in the amount of {$2500.00} each in two seperate areas in Florida. I live in XXXX Arizona and was not in Florida during the time the money was taken from my account. Wells Fargo did not notify me of any suspicious activity. I noticed the activity on my account and notified Wells Fargo of the withdrawls made and a claim was established. Since that time multiple claims regarding the same issue have been submitted and all claims have been denied by Wells Fargo with them saying there was nothing else they could do for me and suggested I contact the sheriff 's departments. I then contacted XXXX XXXX XXXX XXXX XXXX. as well as XXXX XXXX XXXX XXXX XXXX. Neither of the sheriff 's departments were able to help me recover my funds. I did receive a suspicious email saying a card was added to my XXXX XXXX, but I am unaware of what that is. At no time in my life have I ever given another person my personal information or been irresponsible with it. I have been trying to get my money back for months now with no help from Wells Fargo.

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 2023-08-02
Company: Experian Information Solutions Inc.
State: KY
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: Problem with personal statement of dispute

Complaint:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX Balance : {$1300.00}, XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}, DPT EDXXXX XXXX Balance : {$0.00}, DPT EDXXXX XXXX Balance XXXX {$0.00}, DPT EDXXXX XXXX Balance : {$0.00} XXXX DPT EDXXXX XXXX Balance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
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 XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-29
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
From about XX/XX/2021, we have had a harder time paying our mortgage before the end of the grace period. We have maintained our payments and kept it current by paying before the XXXX of the next month, when a new payment comes due. 

In the last 2 months, we struggled to pay by the first and the lateness progressed, so we reached out to the company to rectify our delinquency. 

The company requested documentation and we uploaded the information per their request. 

Their sole resolution to our issue was to delay 1 payment, change our mortgage payment to {$9.00} less than its current amount, to lengthen the loan repayment from XXXX XXXX XXXX years, AND require a forbearance amount of {$61000.00} due at the end of our loan, but doesnt accrue interest. 

Wow, what generosity. /sarcasm I am sickened and appalled that this is their resolution for moving a single payment to the end of the loan to bring it current. 

How many people has Rocket Mortgage, or others, screwed with such foolishness? Why are mortgage companies allowed to prey on consumers when we fall behind ; especially when our tax dollars bailed them out just over 10 years ago?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: TX
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:
Please explain and upload supporting evidence. I have disputed this with the bureaus and XXXX directly and they have not provided proof of debt and I want this removed immediately. account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: M&T BANK CORPORATION
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I was informed by M & T Bank via e-mail on XX/XX/XXXX XXXX XXXX PST that my mortgage now belongs to them effective XX/XX/XXXX and I should have received a welcome packet and information. I attempted to reach them via phone after the e-mail arrived, as no welcome packet ever came. The XXXX XXXX stated that they are attempting to collect a debt, and my home is in default. No one at M & T Bank answered the phone and I wasted hours in an automated XXXX XXXX with these threatening messages. 
I was not properly informed of this change ; being notified via e-mail 4 days before the transfer is not adequate. I have no account number with M & T Bank and no instructions on how to contact them, as they do not answer the phone and have not responded to e-mails. 
I was able to get in contacted with XXXX XXXXXXXX XXXX via telephone today XX/XX/XXXX and requested the payoff information. I do not want my house to end up in foreclosure due to this transfer, and will find a way or obtain a loan to pay off the mortgage. I requested the XXXX XXXXXXXX XXXX  staff member to figure out where this debt is coming from and why M & T Bank is stating my home is in default. She couldn't explain where M & T Bank is collecting their information. The XXXX XXXX XXXX employee stated I received an email informing me of the change on XX/XX/XXXX ; however, that e-mail was not received and no other notifications were provided by XXXX XXXXXXXX XXXX regarding my mortgage transfer. 
M & T Bank needs to do better, sending an e-mail with no account information or appropriate contact number is not acceptable. Homeowners are only left with trying to find away to have their mortgage paid off to prevent their home from going into foreclosure. M & T Bank has failed to provide the adequate resources necessary to continue with the mortgage process. Most likely they are an illegal operation who erroneously collect debts that do not exist, forces defaults, and forecloses on homes.

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 2023-01-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for false reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX  Account, # XXXX has violated my rights under 15 U.S. Code 1681 section 602 which states I have the right to privacy, 15 U.S. Code 1681 section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. This collection account is also being reported with several different open/closed/activity dates, balances and last payments dates which is a violation of FCRA and Metro 2 Compliance. I have disputed this several times in attempt to correct the inaccurate information that is being report, however they has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.

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 2022-10-29
Company: Aargon Agency, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Somebody I'm not sure who used my information to start a health club membership in XXXX XXXX I do not live there the balance is now XXXX it was started in 2020 the campy is called XXXX I have file a dispute in order to get it removed from my credit report

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 2023-04-03
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: Their investigation did not fix an error on your report

Complaint:
I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-10-29
Company: JPMORGAN CHASE & CO.
State: OK
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Late XXXX-early XXXX, I get a notice my savings account is going to be closed XX/XX/XXXX I called about 10 day closure notice XX/XX/XXXX tries to talk In person about closure. I was told the closure is already in process, and can't be stopped XX/XX/XXXX called again to try to get the funds from the account. 

XX/XX/XXXX scheduled meeting about the funds I never got. Told they would get back to me and they havent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Experian Information Solutions Inc.
State: FL
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:
My personal information needs to be updated and the unauthorized inquiries need to be deleted

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 2021-06-23
Company: EQUIFAX, INC.
State: NJ
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:
Sometime on XXXX, XXXX, after I went to a mortgage company, trying to buy a house, I found out that multiple collection accounts were on my credit report that I had not idea of. On XX/XX/2020, I started my first dispute with the credit bureaus to remove the accounts that were not mine. After a few disputes I got some letters from the credit bureaus requesting a Police Report, so, on XX/XX/2020, I went to file a Police Report. With the police report in my hands, after a few times of mailing to the Credit Bureaus, XXXX  and XXXX  finally removed the unknown accounts on my report. 
Unfortunately, EQUIFAX has been refuse to remove an account and that is allegedly because XXXX XXXX XXXX, is verifying the alleged debt, by the way, most of the accounts were with the above mentioned collection, so I am now contacting the CFPB because I need this last collection account out of my credit report, it is affecting me a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Good Day I am XXXX XXXX, XXXX, XXXX. 
Prior to XXXX, i make a reservation at the XXXX XXXX in XXXX, XXXX, a XXXX XXXX, The reservation was made with a Platinum American Express Card and a charge for XXXX XXXX 's was paid. Because of XXXX, we were not able to use the reservation and the hotel issued a voucher for us to use. We however, were not able to get back to XXXX and the Hotel was changing ownership. The hotel staff offered to transfer the XXXX XXXX to american express via an XXXX number and XXXX  number. I went on the Amex web site and got the information and forwarded it to the Hotel. All of this correspondence is via email. The hotel transferred the money to XXXX  number XXXX on XX/XX/2022 and was received by XXXX XXXX on XX/XX/2022. When i checked with American Express as to whether the funds were received, they told me that they do not deal with XXXXXXXX XXXX only XXXX XXXX and gave me a different XXXX  number. XXXX. I called XXXXXXXX XXXX and although very nice, they were unable to help in matter and suggested that the Hotel recall the transfer and reissue the refund to the new XXXX number, The Hotel financial staff, again were very nice but said they were unable to recall the transfer and that there was nothing else they could do. 
The funds are sitting in an account at XXXX XXXX that i am unable to access. I am looking for an next step to get my XXXX XXXX back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied withthe FairCredit Reporting Act law and continued to report inaccurate information on mycredit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELYFROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  NA ) 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