BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: Selene Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
XX/XX/2023 Email & US Certified Mail From : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. Email : XXXX Tel : XXXX Selene Finance LP, XXXX XXXX XXXX, XXXX, PA XXXX, To Whom It May Concern, LOAN NUMBER XXXX I am writing to express my profound disappointment and concern regarding the handling of my loan modification application, which has been pending for over six months. Today, after waiting an extensive period, I was informed that my application was not eligible based on the income-to-debt ratio. The lack of transparency, communication during the underwriting process ( there were zero communication ) and detailed explanation from your representative left me in a state of confusion and distress. 
It is imperative for customers like myself to have clarity and a comprehensive understanding of any decisions made concerning our financial standings, especially when we entrust institutions like Selene Finance with such crucial matters. The absence of detailed feedback makes it challenging for me to identify areas of improvement or to even rectify the situation. 
Therefore, I hereby submit my formal request to appeal the decision on my loan modification application. I urge Selene Finance to review my application comprehensively, and I am willing to provide any further information or documentation that may be required to support my appeal. 
In the spirit of fairness and transparency, I anticipate that Selene Finance will undertake a thorough review of my appeal and provide a detailed rationale for any decision made. Efficient communication and customer-centricity are vital attributes for financial institutions, and I hope my concerns are addressed promptly. 
Thank you for your immediate attention to this matter. I eagerly await your response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
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: Investigation took more than 30 days

Complaint:
Since XX/XX/2021, I mailed a letter to TransUnion to remove a dispute on the XXXX XXXX tradeline. I am in the process of refinancing and underwriting requires the removal of disputes from tradelines. I never received a response and made a complaint to the Consumer Financial Protection Bureau regarding the lack of response from TransUnion on XX/XX/XXXX, XXXX.TransUnion responded that they were putting a dispute on the tradeline instead of removing it! I again complained on XX/XX/2021. TransUnion responded on XX/XX/2021 that they were going to investigate and close out the complaint within thirty days and mail me the results. It is now XX/XX/2021 and I have not received a response. My refinance is on hold due to TransUnion 's failure to remove a dispute from my XXXX XXXX tradeline. It does not take five months to remove a dispute. Due to TransUnion 's failure to remove the dispute, I may lose the great rate I was offered. I need TransUnion to remove the dispute immediately and send me an updated credit report demonstrating that the dispute was removed. I await TransUnion 's response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have not authorized a series of inquiries that are showing up on my Credit report and am disputing them. All the listed companies that have requested a copy of my credit report on the letter attached do NOT HAVE my written authorization to view my Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: NC
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 am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 2022-11-18
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XXXX XXXX I was hit by another driver, 3 months later the vehicle was ready to be picked up which was not exactly true. The vehicle was sopposed to be repaired to atleast safe condition after the insurance company payed more to fix the vehicle than what is owed. I had to keep visiting the repair shop to fix what was not fixed. Around 4 times atleast. For suspension related issues and just poor work overall. Just recently the front assist light came up and also caused the cruise control to not function and after 2 weeks of trying to get a set date ( XXXX XXXX ) I was not able to take it in. I also believe it has frame damage. Since the accident unfortunately I did fall back on payments due to transportation and also the rental which was more than expected just because the vehicle needing more time at the repair shop. I was never reimbursed for the rental which was almost {$3000.00}. All this was mentioned to VW credit and they just wanted payment which I couldn't due to my situation. So I had no choice but to try and sell the vehicle once it was repaired and safe but The car was repossessed recently ( XXXX XXXX ) all while I was in the vehicle. I was taken out and told I had to give the car up for non payment which I completely understand. Any help is appreciated thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I got the following email from Chime this morning without any further explanation : Following a recent review of your Spending Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Spending Account will be closed on XX/XX/2021. 

If you have ACH Debits or recurring debit card payments, please notify the originators immediately to avoid disruption with your future payments. ACH debits and recurring debit card payments may be rejected after XX/XX/2021, however we still encourage you to redirect your ongoing direct deposits and bank transfers to avoid any delay in receiving your funds. 

When I try calling to speak with someone, it recognizes my phone number and hangs up on me. When I try logging in, it will not allow me. And when I email them they refer me to to reference their agreement titled Amendment and Cancellation in the Chime Deposit Account Agreement : XXXX : XXXX. 

I have money coming back to my debit card and that company told me to let Chime know but they are not getting me answers. I also have a bank transfer that is in process for {$6000.00} but I have no idea if that will bounce back to the origin bank or if that money will stay in limbo. I am shocked to see how many other people have had the same thing happen to them. In the past, Chime asked me for supporting documents when they tried saying I had unusual activity and I provided them with everything they asked for immediately. I need help and do not know who can help me at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Westlake Services, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
XX/XX/XXXX I applied for a car through XXXX. Was approved for a loan through XXXX XXXX of XXXX. I signed all paperwork and drove off the lot with my car. on a sunday spoke with them on a tuesday. They asked me how much I put down on a downpayment and if that payment was made in cash. Confirmed all personal information on the phone. Was told by agent on a recorded line that my deal went through my first payment was due in XX/XX/2023. I was told on XX/XX/XXXX by car dealer that the bank was holding back on their offer because when they verified my job it stated on leave, which insured I am still fully employed by this company. I sent over paycheck stubs. The company spoke with the hiring supervisor whom in fact confirmed my employment. I sent over a letter from my HR department showing proof I in fact am employed through XXXX XXXXXXXX. Never did the bank reach out to me to ask me about my employment showing on leave. I had to return this car after having my credit pulled and putting my money down I had drove over XXXX miles to pick the car up. Spent over an hour signing paperwork. After all that was submitted they still stated i needed to show a different form of income with everything that was provided. I ended up returning car to dealership a month later I received a denial letter from XXXX stating that they denied me for things on my credit ike payment history delinquencies, etc. This in fact was not true and I have proof. Also the dealer contacted and voiced his frustration with the process and told them I can i can seek legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is incorrect personal information on my credit report. I need the bureaus to update this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
paypal is holding our funds for over a year they are requesting credit card statements that was never used on our account and wont release donated money we got from others

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
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, 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 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 2022-10-06
Company: PLANET HOME LENDING, LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We took out a home equity loan with XXXX XXXX  we had a legal agreement in writing and were making payments of {$150.00} per month that were automatically taken out of my checking account every month a company called planet lending bought the loan and filed a foreclosure against my home. 
The original loan amount was {$30000.00} planet lending is demanding {$90000.00} or the home will be sold at auction. 
Our first mortgage with XXXXXXXX XXXX  is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from XXXX XXXX XXXX stating that I owe XXXX from an apartment complex that I moved out of. I paid the last XXXX rent on XX/XX/XXXX, I already provided a XXXX XXXX notice on XXXX XXXX. My move out date was XX/XX/XXXX. I returned both sets of keys and the office provided a document that stated they received my keys. In XXXX XXXX XXXX, I received a letter from this company. I called the company and they stated that they didnt know why I had a account with them but the lady stated that apartment complex sent me to collections for unpaid utilities. Mind you I paid everything before I left and the company charged me for utilities which was in my name and I transferred it to my new place. Im not responsible for a complex utilities if Im not occupying the property. This company is trying to collect on something that Im not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX, XXXX Account # 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25
Company: CCS Financial Services, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
This is XXXX XXXX. my phone number is XXXX. On XX/XX/XXXX, I got email saying my credite score decreased XXXX  points. I checked and found out XXXX send XXXX dollars debt to Credit Collection Serv. Actully this was not my debt. I divorced in XXXX, XXXX and I moved XXXX GA in XXXX, XXXX. I Started my Car insurance from XX/XX/XXXX in XXXX XXXX. 

But I got the phone call from XXXX in XXXX XXXX. I told them I had my car Insurance in XXXX XXXX  and I sent the statments of my car in XXXX XXXX to them. It was my exhusband '' s car Insurance. I gave the XXXX my exhusband phone number and i still called my exhusband about XXXXdollars debt. Then i did not pay any attention on this because it was not my Insurance. 

After I figured out the debt. I Just paid off on XX/XX/XXXX because I want to make my credit score back. They told me they will connect the credit comanies to repair my credit scrore back. they told me it takes 14-30 days to fix back. After XX/XX/XXXX, I did not see anything change about my credit. I called the credit collection company. -- CREDIT COLLECTION SERV. on the phone. They said it shew I paid off the the debt. and asked me to call Credit companies. I did, they told me call XXXX. I did too. but XXXX said there is not debt there. They don't do anything. I confused, I need help. I appreciate if you can help me. Thank you. Attached my car insurance in XXXX XXXX. ( XXXX asked me show my car insurance after XX/XX/XXXX )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation