BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-04
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
During my conversation with XXXX XXXX a loan officer I was told that the money for a home appraisal would be refunded into my bank account if the home was appraised for the value I had stated during initial workup. A second call to Wells Fargo a week after the appraisal occurred I had not received a refund I heard upon this call that it wouldn't be refunded rather applied to my loan?! This was not what was discussed so another week later I called again and was told this time that no refund would be occurring at this point I was transferred to consumer loss prevention or some such department where I received the run around for several more months. Finally after two weeks of me calling several agents repeatedly I hear that from the calls they were " able to trace '' they would not be refunding me and that based on something that I had signed I should have been aware. While I can't dispute potentially overlooking something in the paper work I can without a doubt say this was not the conversation I had on the phone and the lack of ethics this company has shown is shameful. I would like to know what my options as a consumer are to prevent others from experiencing the same scam I have and if there is any hope of recovering my losses ( highly doubt ). Even when I talked to XXXX the executive it makes no sense why I would provide the fee upfront if there was any chance of a rapid appraisal? I feel like I was taken advantage of.

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 2022-10-09
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( XXXX ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I disputed an accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX  XXXX/XXXX Now I have discovered that the items has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

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 2021-01-05
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: DE
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:
Ive filled out a dispute in regard to incorrect items on my credit report. Its been over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Signed up for the Chase Freedom cash-back credit card as they offer 5 % cash back on travel bookings. Booked 4 significantly expensive flights at {$2200.00} and {$650.00} only to find out that I didnt receive the 5 % rate since, I did not book through Chases travel portal website and instead got 1 %. No where was this stated so I missed out on the larger percentage. This is incredibly misleading and frustrating! Since the whole reason I went through the process of getting this card including dinging my credit score for an inquiry, was for this very travel purchase. When I called Chase, they told me nothing could be done and in the future to use the portal to get the 5 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was recently victim to fraud. There were two attempts on XX/XX/22. Someone tried to apply for credit in my name. I don't know how this happened as my credit is locked with all three entities. XXXX and XXXX caught it and notified me. I was able to place a fraud alert with them. 
The issues is I am not able to access my Experian account, even though I have a lock on it they still gave the creditor access to my report. I have tried several times by phone and had hours of endless searching for an email address, online service department, chat options and any other way for me to contact the company. None of the phone numbers I could find will transfer me to a live person to get the situation taken care of their system just hangs up on me and tells me to go to the website, which I am not able to access. When I try to get my Experian web account the password isn't working. I attempted a reset and get messages Experian is sending the information to an email that is not mine. 
Experian has made it impossible for consumers and especially consumers victim to fraud to get issues resolved. They do not provided valid phone numbers for resolution for multiple issues. Where is there accountability and responsibility to the consumers they monitor? 
1. I can not access my web account and the password reset is sending information to an email that is not mine.

2. customer service numbers are recorded and will not transfer to a live person to get resolution for complicated issues 3. no email or chat options are available to get a hold of the company for resolution and fraud alert to this serious and multifaceted issue 4. they are handing out my information and it appears the website or data basis have been compromised.

5.they are essential for my credit safety and reporting but have no way for me to get a hold of them when there is a serious issue.

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 2022-07-13
Company: Experian Information Solutions Inc.
State: NC
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 sixth endeavor to inform the Credit Bureaus that I was a victim of identity theft and I complain to question specific accounts in my document coming about because of the wrongdoing. The last letter I sent to Experian was XX/XX/XXXX. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. The Experian Credit Bureau took no action in order to remove the fraudulent accounts from my credit file and became non-compliant of the FCRA section 605b. Experian continued reporting these accounts without conducting proper verification which in many ways is a violation of the Federal Law : the Fair Credit Reporting Act. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to the Theft of my Identity. I am submitting this complaint so that Experian would take action and remove the following accounts completely from my Credit report : ( XXXX  XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX Date Opened : XX/XX/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 2023-10-12
Company: RoundPoint Mortgage Servicing LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
For the last XXXX months I have tried to contact round point mortgage, to no avail. 
I have contacted the XXXX  and filed a complaint twice in the last couple months, still no contact from roundpoint. 

I'd like to set up biweekly payments and I found a number to contact round point at, XXXX which happens to be a recording requesting your email address. I've left my email address and have still not heard from them. I figured it's just not going to happen as I have not been able to contact this company. 

In the meantime, today, I've received a letter from roundpoint stating " this is my second and final notice that their records show that my homeowner 's ( hazard ) insurance expired, and they do not have evidence that I've obtained new coverage. '' It goes on to say that they plan to buy insurance for my property. The insurance THEY buy will cost an estimated {$2600.00} annually, which may be significantly more expensive than insurance I can buy myself. 
They give a phone number of XXXX, after calling that number its a recording, just like the other XXXXtoll free number above. 
I've never let my insurance expire, and I've only ever received THIS notice, this is my first notice. 

I don't know what else to do? I found a number online last week to supposedly contact the President of roundpoint via email. I did send an email to that email address, addressing the issue I'm having wanting to make biweekly payments and not being able to reach anyone at roundpoint. Never heard a word, however not surprised. 
Now today, I get this letter stating I don't have ( hazard ) insurance. 

I'm at my wits ' end, I don't know what to do next, or how to get someone to help 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 2023-10-12
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, this creditor has violated my Rights. Under Act 15 U.S.C. 1681 section 602 states I have a right to Privacy, 15 U.S.C. 1681 section 604 A, section 2 it also states, A consumer reporting agency can not refurnish an account without my written instructions. Under 15 U.S.C. 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2022-07-13
Company: EQUIFAX, 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:
The XXXX XXXX XXXX Date : XX/XX/2021 company made unauthorized inquiry on my personal credit report. Since I did not authorize this company to obtain my credit report, I demand that this inquiry be deleted as soon as possible and my credit score be adjusted accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/XXXX I began a credit consumer transaction at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon my consumer Credit transaction information pertaining to my contract was not disclosed to me nor was I made aware of such things that my finance charge shouldve included XXXX insurance but did not. Subsection 15 USC 1605 states determination of finance charge. Exhibit C property damage liability insurance premiums are included in a finance charge. In my consumer credit transaction my finance charge did not include insurance. Furthermore I was never made aware nor informed about my rights to rescission period on XX/XX/XXXX when I initially made a cash down payment of {$1000.00} the sales rep that I work with Advertised to me that I had to make a down payment in order to obtain the XXXX XXXX XXXX. Although subsection 15 USC 1662 states advertising of a down payment in installments says, no advertisement to aid, promote or assist directly or indirectly in any extension of consumer credit may state that a specified down payment is required in connection with any extension of consumer credit. Which my consumer rights were clearly violated therefore being defrauded in regards to subsection 15 US C 60 802A. A notice of requirement obligation with respect to disclosures of personal information. I was not made aware that hi could opt out of this consumer credit transaction reporting to my consumer report by any third-party reporting agency. I did not give my consent to have my consumer credit transaction to be furnished on my report yet it has been furnished without my consent which is technically identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Comerica
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX  CARD XXXX XXXX XXXX XXXX INROLLMENT CARD WITHOUT INROLLMENT CARD THEN PLACE XXXX WAITING FOR SUPPLMENT SECUITY PAYMENT XXXX TAKE THERE MONEY XXXX XXXX XXXX  XXXX XXXX CARD CANELL SEND NEW CARD XXXX THEN INPUT ALERT ACCOUNT XXXX XXXX  EFT XXXX XXXX CARD XXXX A DUCUMENT FAX DMV XXXX COMPLAINT DUCUMENT NOT CLEAR REFUSE SEND NEW CARD CARD XXXX XXXX XXXX   XXXX DISRIMINATION RACE ALOS CREITED POOR AMEREICAN BOEN STATE WITHOUT CREITED CARD GRANTED UPON FEDRAL PAYMENTS DEPOSIT ACCOUNT USEING PRE PAID CARDS NEED BANK CARD XXXX XXXX  XXXX ROUTING XXXX CLOSE CARD XX/XX/2018 OPEN DEPOIST NEW YORK STATE SUPPLMENT SSP XXXX DEPOSIT ACOUNT REJECTED SEND BACK SENDER PAPER CHECK LEFT ACCOUNT XXXX I WAS MAKING PAYMENT ACCOUNT XXXX XXXX  ONTHER FIRM XXXX XXXX XXXXMASTER CARD RESTRCITION CARD BLOCK CARDS SEND FEDRAL PAYMENT BACK SENDER DEPARMENT TRERTY KID TOOK TRADE AUTOBOADY TTOK LOAD XXXX GOVERMENT CREITED BURURE ICAN GET CREITED CARD DAMGE NAME ONTHER XXXX XXXX ONTHER FIRM XXXX XXXX  XXXX ACCOUNT EXCESS CARDS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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:
In regards to loss of employment I asked lender for a deferment extension. This however extended the loan and paid off XXXX months that I missed it was not clear to me that XXXX months will be paid off but I will always be behind in payments because of the accumulation of interest. However fast forwarding to when I had to begin making payments again I was paying for the months that I supposedly missed. They then however reported my account as delinquent due to late payments when that was not apart of the agreement. The bigger issue is that I was told I will not be able to receive the documents that were signed. I was mislead within the process and it has affected my credit and personal life because I consistently make double payments but will stay in the negative which isnt legal or fair to me as a customer. I dont know what to do and I am in desperate need of help.

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 2023-06-06
Company: Experian Information Solutions Inc.
State: TX
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 accordance with the Fair Credit Reporting act 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  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
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:
The ITEMS stated below are still reporting on my XXXX and TransUnion credit report despite numerous written requests, which is against FCRA. The Bureaus continued to report the unsubstantiated & unverified information despite failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time frame required by law, failing to adequately examine the situation by using a third party as their verification source. I've tried to address this directly with XXXX and TransUnion Credit Bureaus, but despite my efforts, they have been deliberately neglectful and in violation of federal law. I need this situation to be resolved right away. Please delete the following elements from my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX : {$15000.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX BankruptcyReference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-01-11
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A chargeback was filed against my PayPal account on XX/XX/2022 for a service in the amount of {$330.00}. Despite responding to the dispute and providing proof the chargeback request was invalid, PayPal deducted the funds and also charge a {$50.00} dispute fee. I have attempted to reach out to PayPal several times over the last several months. Each time to no avail. I constantly get the run around and no over ever calls back and provides a response. Please see the attached proof of the completed service which was provided to PayPal XXXX  month ago. Ticket # XXXX. Furthermore, they have since placed the amount due to a collection agency without proper notification which is a clear violation of the XXXX and anytime I try to call them, my call is automatically directed to the collection agency. I once respected PayPal as a company but i am completely shocked and disgusted at the lack of integrity of PayPal. I REFUSE to do business with such a company and urge anyone reading this to do the same.

Company response to consumer: Closed with explanation