BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I enrolled at XXXX XXXX using federal funds and XXXX. I let the XXXX  know that I could no longer start the XXXX. The balance was paid through XXXX XXXX and XXXX  I called the XXXX concerning this several times. There was a balance due after I notified XXXX XXXX of my XXXX  enrollment status. I received a notice from my XXXX loan servicer from XXXX showing the loan was taken out.. I had no agreement with XXXX XXXX XXXX nor have I acknowledged that I owe them anything. However, this collection remains on my credit report. I do not owe XXXX XXXX anything. I do not owe XXXX XXXX XXXX  anything. I do not agree with this debt collector 's actions to put this on my credit report. This also shows up as a XXXX  loan on my credit report. The only notice I continue to receive is a notice saying that I owe a balance. I have disputed this account with the credit bureaus with no course of action. I've submitted and mailed many documents to XXXX, Transunion and 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 2021-08-09
Company: JPMORGAN CHASE & CO.
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Text Message XXXX ( XXXX ) XXXX " Chase Online : Report XXXX ( XXXX XXXX ) ( XXXX ) Your Online Banking has been temporarily restricted. Please visit XXXX XXXX  XXXX to verify your account. 

I don't have a Chase account. I deleted this!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2016 I filed bankruptcy, signed a reaffirmation agreement as required by law with Nationstar, They charged a {$250.00} legal fee, without discussing said fee with representation nor is this located anywhere in the reaffirmation agreement or loan paperwork. I filed a formal complaint with what is now Mr. Cooper, # XXXX. 

Lenders should not be allowed to cover their own legal costs, especially when the consumer could have made the mortgage part of the bankruptcy but chose not to, by passing illegal fees on to the consumer. I never agreed in any way to said fees not did my attorney. 

I appreciate your help in this matter and I am sure this company, whose reputation is already so bad they had to change names, has done this to many consumers illegally because they could n't interpret a mortgage agreement out of a wet paper bag. 

Appreciate your time, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: CrossCountry Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Cross country mortgage made significant errors in calculating our escrow payments during our refinance resulting in a current escrow shortage. The loan was closed in XX/XX/2020 and already in XX/XX/2020 the loan had a negative escrow by thousands of dollars. This alone appears to demonstrate negligence/recklessness in the calculation of the escrow amount. Our current mortgage payment increased {$500.00} as a result of their incorrect calculations. Cross country mortgage underwrote the loan. Cross country mortgage determined the monthly escrow amount. Cross country mortgage was competing with another lender and lowered our monthly mortgage payment in order to receive our business. The annual taxes have not changed. We received a letter informing us that our prior mortgage payment was short and that the current the mortgage payment increased {$500.00}. I called and spoke with someone at cross country mortgage and was told that when the loan was created {$2900.00} should have been collected at closing instead instead only {$1700.00} was collected. The agent informed me that the escrow payment went up by {$500.00} to cover the shortage which caused the mortgage payment to increase. The escrow shortage has now increased our mortgage payment significantly. Cross country mortgage told us that we had to contact the agent who created the loan. Even though he also works for cross country mortgage. I called the agent and he told me that he did not have access to the current escrow account. 

We have attached emails showing the closing costs and discussion around the escrow. We have also attached our most recent mortgage payment showing the increase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I ordered something via paypal for {$68.00} and disputed it on XX/XX/XXXX when i realized the company was a total fraud. paypal denied the dispute however i still have not received the merchandize and paypal facilited a fraudulent charge as well as fraudulent tax rates. PP D XXXX. XXXX are the paypal order numbers and dispute numbers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have a 30 days late payment in XX/XX/XXXX and XX/XX/XXXX XXXX XXXX   acoount # XXXX.I was never late.The information is incorrect.

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 2021-08-09
Company: SLM CORPORATION
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:
I have these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft DPT EDXXXX Account Number : XXXX This is not mine. 

2. Identity Theft SALLIE MAE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX/XXXX Account Number : XXXX This is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have excellent credit ( >820 ) and three times I have attempted to apply for the Citi Aadvantage card.  All three times I was sent an IRS form 4506T because they needed to " verify financial information ''. The first time I submitted an application on XX/XX/20 and they sent me the IRS form soon after, and after several months of not receiving a response and regularly checking my application status online, I called in XXXX to ask what was holding up the process. They told me my application had " expired '' because they did not inform me that ( according to them ) line 3 of the IRS form I submitted was illegible. Line 3 is  for current address, which they mailed the form to in the first place, so it seems odd they could not fill that in themselves. The representative I spoke to about this told me they could see the form and that it was illegible. I asked them if any part was legible and they said no, not a single letter. I asked them to read me something from Line 2 since I wrote it in the same handwriting and they refused to even acknowledge they could see line 2. I believe they were lying for some reason that they could see the form I submitted - for what purpose I have no idea. I was told I needed to re-apply, and of course a couple weeks later they sent me a new form 4506T.

The second time I submitted form 4506T they emailed me with with a denial notice because they " couldn't verify some of the information on [ my ] application ''. When I called to ask for an elaboration the representative again said they could not process the form 4506T due to an " attestation '' box not being checked ( their words exactly ) and that I would have to submit yet another 4506T, yet the IRS form was sent to me with all the relevant boxes checked already. This time the representative told me I could email an image of the IRS form instead of mailing in a physical one which I had done the first two time. This third time I simply sent an image of the exact same form I had submitted the second time to the email address the representative  provided. After two weeks I received in an email the exact same denial letter citing that they couldn't verify information.

I have jumped through hoops for a simple credit card application. As I mentioned, I have excellent credit, and I was honest about the information on my applications. I believe they are denying me credit for some other discriminatory reason.

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 2019-01-07
Company: Great American Finance Co
State: OH
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:
I have called three times nothing been done but let it sit on my credit its only hard inquiry and soft that I didnt authorize. Great American finance XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX  XX/XX/2017 XXXX/XXXX  XX/XX/2017

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX - Inquired on XX/XX/XXXX. 
CAPITAL ONE AUTO FIN - Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX - Inquired on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
I paid a merchant for a purchase made on XX/XX/2023. The bill amount was in XXXX, and the total amount was XXXX XXXX. PayPal 's buggy payment system charged me XXXX USD instead of charging the right amount after currency conversion. I contacted the merchant who is in agreement that PayPal did a mistake, and want the funds to be refunded to me. I tried contacting PayPal, and the phone line puts me on hour long waits with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Sent a notice to TD Bank on XX/XX/2020 that a checking account through their institution was fraudulently opened in my name. Sent this notice after my parents received the first account statement from TD Bank at their home address ( my previous address ). This was the XX/XX/2020 account statement that made me aware an account was opened fraudulently in my name. Requested that TD Bank close the unauthorized account and take steps to remove information about the account from my credit files. Requested a written correspondence explaining their findings and confirming the account was closed. 

Never received response from TD Bank. 

My parents received another account statement from TD Bank XXXX XX/XX/2020 account statement ) suggesting TD Bank has not taken any action after I initially notified them of the unauthorized account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2019-03-11
Company: JPMORGAN CHASE & CO.
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:
The following financial companies pulled my information and conducted hard inquiries on my account without my consent : Chase Bank : XX/XX/2018 XXXX XXXX : XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-28
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Just received a Notice of Default and Intent to Foreclose demanding a lump sum of money. The mortgage was transferred to them XX/XX/XXXX and they showed me 30 days late every month since and will not correct the credit report so we can't sell or refinance. I have lost several offers on the house and just found out we can refinance for 2.99 % and lower our payments but for this despicable company that is trying to steal our home and/or XXXX  us with all the harassment. We receive letters and threats every few days and always on Friday to wreck your weekend and always on holidays. My husband is a XXXX year old veteran with several medical conditions including XXXX ; and this company gave me an XXXX  and is interfering with me making a living and my jobs. I almost XXXX XXXX  every time I see a letter from them and/or do XXXX  XXXX  which is very painful for me since I have had XXXX XXXX. I can't believe you can't put them out of business and demand payment in full of our mortgages. I just mailed the XXXX payment on XX/XX/XXXX usps priority and they did not post it til XX/XX/XXXX so they could charge a late fee. How are you allowing them to remain in business. 
It also appears that this was triggered by your onboarding software, which I dispute as being legitimate and legal, and am requesting any and all information and details regarding the programming and software and what company or companies created it, are involved with it in any way, and whether they are a foreign company and have any affiliations with a foreign government. Specific details, names, addresses, dates, etc. 

I am attaching several exhibits.

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 2020-09-11
Company: WELLS FARGO & COMPANY
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX and XX/XX/XXXX, one unauthorized transaction occurred on each day. The first unauthorized transaction had a sum of {$500.00} and the second transaction had a sum of {$300.00}. Both transactions were accomplished through XXXX to a completely random email. I called the very same day to dispute the transactions with my bank ( Wells Fargo ). They told me they will file a claim and the issue should be resolved within 10 days ( Both transactions at the time were pending ). I called the next day to have my account number and online banking account replaced to prevent any more possible unauthorized transactions. I also mentioned to the specialist to make note my email that is tied to my online banking account has been under multiple attempts to sign in from other people besides me ( I have the XXXX alerts ). The specialist said this would benefit my case as this can mean my account was hacked. After 14 days when I first made the claim ( today ), I called to see what was going on with the claim. That is when they told me my claim was denied for I made both transactions and I was trying to trick the system. The account that received the amount is now unregistered with XXXX which makes it even more suspicious that it was not me who approved the transfer.

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 2019-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX  ; XXXX and Transunion are reporting incorrectly lates from XXXX, XXXX to XXXX, XXXX on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account was approved for a loan modification and during this period of getting the loan modification approved, this account should not have been reporting any late payments. This account has since been sold and should not be reporting on my credit report. This inaccurate reporting of lates on an account that has since been sold is seriously harming my credit score and this line item needs to be removed from my credit report. I have attached a copy of the loan modification documents for your reference. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.

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 2020-07-11
Company: Experian Information Solutions Inc.
State: CA
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:
I did not authorize XXXX  XXXX XXXX Auto Financing Companies to run a hard inquire credit check. I was not even in the country - for the dates the inquire was made ( Please see the attached docs ). Please have XXXX XXXX remove all inquiries appearing on my credit history.

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 2017-12-13
Company: NATIONSTAR MORTGAGE LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am concerned about the corrupt activity going on with Mr.Cooper formally XXXX XXXX  XXXX. The company lied about my earlier complaint suggesting that I had mistakenly authorized 3 loan payments in the month of XX/XX/XXXX. When I log into my account to view payment history they have failed to post the 3rd payment they illegally withdrew from my bank. After several calls and countless time on the phone with customer service representatives and supervisors, I have still not gotten my insufficient funds XXXX dollars paid back caused by their illegal withdraws on my account. I have provided a bank statement showing the fees as well as a voided check. This company did not pay the earlier overdraft fees of XXXX dollars which my bank paid when they withdrew the 2nd mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Experian Information Solutions Inc.
State: OH
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 MY 4TH ATTEMPT TO GET EXPERIAN TO TAKE MY SISTERS INFORMATION OFF OF MY CREDIT REPORT. THEY CHANGED MY NAME AS XXXX " XXXX XXXX '' AND CHANGED MY BIRTH YEAR TO HERS, AND ADDED ALL OF HER OUTSTANDING STUDENT LOANS TO MY REPORT. THEY SAID THEY FIXED IT, AND IT STILL REMAINS ON MY REPORT. IN FACT, THEY SEND ME MESSAGES THAT HER INFO IS ON HER REPORT. ONCE A MONTH EXPERIAN SENDS ME A MESSAGE THAT MY CREDIT SCORE DROPPED 150 POINTS AND THEY SHOW HER STUDENT LOANS ON MY REPORT, THEN 7 DAYS LATER I GET A NOTICE FROM EXPERIAN THAT MY CREDIT SCORE HAS JUMPED UP 150 POINTS. THEY PUT HER INFO ON, AND THEN TAKE IT OFF, EVERY MONTH.   I HAVE SUFFERED NUMEROUS INSTANCES OF FINANCIAL HARDSHIP BECAUSE OF THIS COMPANY. I APPLIED FOR A REFI ON MY HOME, AND WAS DENIED, WHICH PROMPTED ME TO FILE MY FIRST COMPLAINT AND THEY INDICATED THAT THEY FIXED IT, BUT THEN I APPLIED AGAIN FOR REFI, AND IT SHOWED UP AGAIN. NOW, I TRIED TO REFINANCE MY AUTO LOAN AND WAS DENIED FOR THAT NOW BECAUSE MY SISTERS STUDENT LOANS ARE ON MY 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 non-monetary relief