BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-03
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My interest rate has been 4.75 % since signing closing documents and I requested for a lower VA 30 year fixed APR. I contacted LoanDepot and asked for a lower APR because rates have lowered however LoanDepot will not lower my interest rate of 4.75 %. 

My mortgage payment has been {$1100.00} however without notification, LoanDepot raised my mortgage payment to {$1400.00} - raising my DTI ratio and credit utilization. When I contacted LoanDepot they told me that they paid County Taxes and when I asked what dollar amount was paid to the County and when - no response from LoanDepot. I contacted the Chief Deputy of the Office of XXXX XXXX XXXX, Tax Assessor-Collector and was told that no payment was received from LoanDepot and LoanDepot has not provided me with any documentation showing what they paid to the tax collector. I am exempt from taxes, so not sure what LoanDepot paid however I would like my account refunded and returned to the original contract terms and conditions. 

Loan Depot also added {$120.00} in Hazard Insurance to my mortgage payments which was not a part of the terms of the contract. I told LoanDepot that the Hazard Insurance is my insurance policy with XXXX - something I pay out of pocket and I asked for my mortgage payment to be returned to it's original amount. 

I contacted the main office in NJ and I am getting the run around and having a lot of trouble with loan servicing, payment processing and my escrow account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX 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 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 2020-10-08
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
Its reporting on all major companies XXXX, XXXX, XXXX, XXXX XXXX that I am behind on credit cards and accounts that I have played off or balances are incorrect I have proof of current accounts which I will post below in the evidence. Then I have an account that is old and it keeps reaccuring and I never did business with the company it was removed in XXXX, and resurfaced in XXXX of XXXX. 
XXXX XXXX  credit card Macy account card I literally begged and was hung up on and avoided from XXXX For Macys to close my account they report it to you as close yet continuing to charge me then I pay the account off once in. XXXX down to half requested to close and I look up and I have a XXXX $ plus bill I pay off XXXX on XX/XX/XXXX to settle the debt to a XXXX balance and they will not update it Citi bank gas card I updated and paid the balance {$220.00} on XX/XX/XXXX and they still have yet to update the payments on my accounts I will attach proof of these below its law to report accurate I formation on a debt according to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681 i ( a ) ]. 9 I am disputing the amount on these items and I asked that an update on all my credit card accounts be issued in an  investigation to the correct amount and to report XXXX balance and when the accounts were properly close and to a erase XXXX XXXX  card which is not mines it keeps reappearing after it's been removed in XXXX I added new lines with XXXX  XXXX yet they haven't updated and its withholding my score jts not fair that I have paid off accounts and they wo t update the information

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 2020-02-25
Company: SYNCHRONY FINANCIAL
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX i logged into my paypal acct ; although the payment screen on my mobile phone and desktop said " next auto pay '' XX/XX/XXXX - no payment came out - i have a screen shot of the desktop showing the issue. It would not allow me to screen capture on my mobile device. 
When I called to point out the problem - they stated i changed the autopay and it takes 30 days to get into the system. 
However their website site should not reflect XX/XX/XXXX if it was within 30 days - it should have reflected XX/XX/XXXX. 
Additionally, when I asked to speak to a manager they put me on hold and never got back to me or let me know how long it would be. As I am at work I had to drop @ 22 minutes 46 seconds. 
Because the payment is a day late, it will now affect the special financing of 6 months. 

So, I find it extremely deceptive that their payment Auot-payment screens dont reflect real time reality.

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 2021-07-20
Company: EQUIFAX, INC.
State: MS
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:
On XXXX I sent a letter to Equifax regarding inaccurate and negative information on my credit report. 

It has currently been 53 days and I have yet to receive a response. I feel like I'm being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 53 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
in accordance with the fair credit report act XXXX  account # XXXX, has violated my rights 15 usc 1681 section 602 states i have the right to privacy.

15

usc 1681 section 604 states 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a 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 2020-09-16
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$6500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX XXXX XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6500.00} -This is not my account.

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 2022-04-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Add statement from consumer to XXXX XXXX account. 

Dear CFPB, XXXX XXXX has consistently hounded and reported to the credit buraus with the intent to label me as a financial risk. 

The sad fact is that life happened to me. Unfortunately, in 2018 due to unemployment XXXX XXXX would not negotiate a payment plan. There was a balance of {$140.00} left before the bank would be required to refund me my {$1500.00} deposit on the secured card. 

In all common sense, why would I as a consumer deliberately throw away {$1500.00} of my own assets without any intention of recoupment.

The Federal Statutes are supposed to be in place to assist consumers and not to allow corporations to unduly take advantage. However, my case is just one of the many more situations out there in which corporations can run the roost, manipulate and fabricate records. 

So let this be an added document to my record when I apply to creditors in order to maintain and obtain needed resources, such as credit, housing, transportation etc. to care for myself and my aged parent. 

Despite a payment arrangement in place, upon arriving to make payments the account was closed. And this has been an ongoing dispute. XXXX XXXXs investigation in XXXX, claimed no voice recording or documentation was found in their database supporting that I attempted to pay the balance.. 
XXXX XXXX can continue to report up to their maximum seven ( 7 ) years seeing it brings them satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Wells Fargo checking account with an introductory bonus offer of {$250.00} for makin g 10 debi t transactions. The debit transactions were made, but there was no bonus offer to be seen. I feel that I was unfairly misled by 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 2022-04-28
Company: Experian Information Solutions Inc.
State: AR
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 following accounts have violated my rights XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  account # XXXX Unknown account # XXXX ( shows twice on XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15U.S.C 1681 Section 602 A States that I have the right to privacy.

15U>S>C 1681 Section 604 A Section 2 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 non-monetary relief
Consumer complaint received 2017-07-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I saw an I authorized charge of {$280.00} in my bank account made payable to Bestbuy. I called the Dispute department and notified them. The lady was being nice and told me if I could get someone from Bestbuy to verify those charges were n't mine, we can start a claim ( she also found another one of {$320.00} back in XX/XX/XXXX ). I called Bestbuy and got someone to look high and low for those charges with my name, address, and phone number. They could n't match them to anything under my name. We called Chase together, but the man who picked up did not want to open a claim because he thinks Bestbuy should investigate the fraud. I argues that since it 's proven by XXXX from Bestbuy that those charges are n't mine, we can start a claim to get my money back. He kept arguing and at one point said " how did anyone have my info to give to Bestbuy? '' I questioned him about identity theft, and honestly, I think I was being accused of cheating them. XXXX even helped out and said we could start a claim, and at one point he agreed but told me I still ca n't possibly get my money back, because they ca n't prove fraud. I was beyond XXXX at this point. With Bestbuy people proved that i did not authorize those charges and this man is still refusing to get my money back. It 's not {$60.00}, it is together {$600.00}. And the one in XX/XX/XXXX ca n't be done nothing about because it 's " more than 60 days. '' I know people who went a year without checking their account. If the same thing happened to any of them, are they saying those people should just forget about their money since the bank ca n't do nothing about it?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX of XXXX I called XXXX Toyota in XXXX XXXX, MD to lease a XXXX XXXX XXXX. After negotiating with the XXXX on the phone and agreeing on the terms for the specific model I wanted, I agreed to come to the dealership to sign the paperwork and take delivery of the vehicle. My daughter and I arrived at the dealership around XXXX pm. We waited several hours before we could be seen by the XXXX because he was helping a bunch of other people with their purchase. Once he finally got around to us, and we went to the finance office to sign the agreement, the XXXX told me he could not honor the rate he quote me on the phone because my credit score wasn't high enough. The rate he offered me significantly increased the monthly payment on the vehicle I wanted to lease. So he found a different vehicle that would get me closer to a monthly payment that worked for me. It was almost midnight by the time I signed the paperwork and left the dealership. 

Upon reflection of the series of events that transpired on the evening of XX/XX/XXXX and after reviewing the lease agreement, I discovered numerous Truth in Lending Act ( TILA ) and Fair Debt Collection Practice Act ( FDCPA ) violations. In the affidavit of Truth I attached I only outlined the TILA violations that were committed. The managers failed to provide me with the proper disclosures required by TILA. For example, the XXXX was suppose to disclose to me that I had the option of having the auto insurance included in the finance charge or pay for insurance out of my own pocket. They also failed to disclose my right of rescission and provided me with the form to rescind the agreement. However, my biggest grievance with the agreement is the fraudulent and deceptive nature of the agreement itself. I AM the original creditor and I granted the right to the creditor to extend my credit back to me. They had me believe I owed a debt when in fact I did not owe a debt. According to TILA, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. According to Maryland state law the warranty company offers warranty products to a consumer is suppose to be registered on the state 's website. The warranty company XXXX Toyota uses is Guaranteed Automotive Protection. They are not listed on the state 's website as a registered warranty company. This is another violation. 

On XX/XX/XXXX I sent a Affidavit of truth via certified mail to Toyota financial Services informing them that I was exercising my right to rescind the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: EQUIFAX, INC.
State: NJ
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 have been sending dispute letters asking for these egregious collections, incorrect auto loans, and student loans from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, and the Department of Education to be removed from my report as they have not provide the original credit agreements, original contracts, or promissory notes I supposedly signed for these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are all fraud accounts that were open without my permission. 
I spoke with XXXX Equifax and XXXX. But they refuse to remove these accounts out of my name. They keep giving me the run around.I sent a fraud affidavit and they are not removing these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: FIRST NATIONAL BANK OF OMAHA
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:
During my call with the creditor, they stated If I did not pay the debt in full I would lose my credit account and it would be reported to the credit reporting agency as late and placed into collections. I told the creditor that I did not have all the money and I would need to make a few small payments until I caught up. The creditor hung the phone up and began to report late payments. 
Under the federal Fair Credit Reporting Act ( 15 U.S.C. section 1681 and following ), you are obligated to investigatethis request within 30 days, and promptly give creditreporting agencies correct information if you find that information you have reported is incorrect or incomplete. I have enclosed the Consumer Financial Protection Bureaus notice to finisher of informationwhichdetails your responsibilitiesunder the Fair Credit Reporting Act as a furnisher of information to credit reportingagencies.This negative mark is damaging my credit. Please promptly contact XXXX, XXXX, and XXXX ( and any other credit reporting agency to which you reported this information ) and remove this information from my credit file.Please confirm within 20 days that you have directed these credit reportingagencies to remove this information.Thank you for your immediate attentionto this matter.

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 2017-09-28
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for american express business platinum card. the offer is to give me XXXX points when I spend XXXX. 

I have reached the min spend and was only given XXXX. I submitted a case ( case number XXXX ). It was closed WITHOUT my knowledge. I had no idea they had close my case without giving me any explanation. AMEX has refused to give me the rest of the points.
Each time I reach out to american express, they would try to tell me I already received the points when I have not. 

I have even provided the mailer RSVP code for the XXXX.

Company response to consumer: Closed with explanation