BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Transactions without my approval

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 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I was taken advantaged of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me finical injury, along with defamation of character I am unable to obtain my dream job due to these actions, I am completely unable to receive any lines of credit, these actions has also cost me any hope of receiving any SBA loans to help me through this crisis

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 2019-06-21
Company: JPMORGAN CHASE & CO.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Made payment electronically XX/XX/19 and it said would take 2 days to post. Showed posted XX/XX/19 and taken out of bank account. In the amount of {$9200.00}. On XX/XX/19 used the card and declined. Called the company and was told payment was on hold. We have had the card 3 months and payments have never been held. The decline could have cost me a client. They said they could place hold on our funds of payment at anytime. They have never placed a hold on our payment made by check. What if we was out of country and relied on this card? Its a Sapphire card and you have to have a certain rating to even get the card. The complaint department could care less. They are a big institution and can do whatever they want. They held my money up from me using it for 7 days. It was given to them from my bank, but they would not let me have my money, it was not a check to clear. This is a bad Chase Bank experience. I would recommend no matter how good the perks look, walk away. They lied saying it would take 2 days for payment to post, very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Monterey Financial Services LLC
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:
An account was open fraudulently with XXXX as the original creditor who than sold the account to Monterey financial services a collection agency. I have contacted them many times and informed them of the fraud. The major credit reporting agencies have agreed to remove the account. The account still remains as a negative trade line on my XXXX credit file. This needs to be corrected as Ive received correspondence that they will remove the account and still havent!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Refused to respond back/failed to investigate. Per FCRA, credit reporting agencies have 30 days to respond. XXXX said " give them 60 days '' and yet no response from them. It's been 3 months now. I am unable to move forward with applying for a home mortgage

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 2019-06-21
Company: Braviant Holdings, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
RE : Revocation of authorization for debits Company : Balance Credit To Whom It May Concern : Please stop taking automatic payments from my bank account for payments to my account with your company.. I am writing to inform you that I am revoking authorization for you to debit my account via electronic funds transfer : Send a mailing address so payments can be mailed. _ This revocation applies to any and all future debits. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: CL Holdings LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ask for a Debt Validation respectfully request that the office provides me with competent evidence that I had legal obligation to pay regarding the following account numbers XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: GREAT LAKES
State: OK
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:
In process of closing on home. Contacted XXXX because they are the only credit bureau that is reporting my student loan that has been paid off back on my credit file after was already removed and reflecting never late paid in full balance is now XXXX. they directed me to their website which doesn't allow you to open new investigation. Please help time is of essence. I am currently in process of closing on a property and my score dropped and now my debt to income ratio is 10 times higher.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Email notification of payment due reflected amount lower than the full amount actually due. I found this very misleading. If I hadnt double checked statement online, I may have initiated underpayment leading to interest charges. Actual due is {$290.00} Chase credit. 
Received today on XX/XX/19 : Your credit card payment is due soon Account ending in : XXXX Due date : XX/XX/2019 Minimum payment due : {$25.00} Statement balance as of XX/XX/2019 : {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: SYNCHRONY FINANCIAL
State: TX
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 applied for a Care Credit card to help pay for my XXXX procedure but I was denied. I noticed that when I received my denial letter it stated that I had a XXXX credit score which is false and I also noticed that it pulled a hard credit inquiry.

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 2019-06-21
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Last month I called Santander Bank to notify them I was selling my cooperative and my lawyer needed the Stock Certificate and Proprietary lease. The person I speak with on the phone ( a " supervisor named XXXX from Rhode Island ) said she had the document sin the system. I told her the closing was XXXX/XXXX/219 and she told me she put in XXXX/XXXX/2019 for wiggle room so I would receive the documents. I called the next day, spoke to them same person who confirmed everything was all set. My lawyer wanted to speak to the bank representative to ensure the documents are sent to him. He called a couple of days latter, conferenced me in and this supervisor said documents could not be released until the loan is in full. My lawyer and I question such a practice and usually the buyer has a check for the bank at closing. This person ( forgot the name as initially she would not give a name and then when someone in the background told her to make up a name, she XXXX one out ) insisted the HELOC must be paid in full before the transfer documents could be released. The next day I scoured over the contract and could not find where it said the loan must be paid in full before the property could be sold. I does not make sense for a mortgage. I again called Santander and spoke with a supervisor name " XXXX ''. I asked him about the clause about paying in full before I could sell my home and asked him t show me where in the contract this clause is. he had me on hold for 10 minutes, and then said he would call me back. He never did. I Saturday XX/XX/XXXX, I went into the XXXX branch to pay off the HELOC. I was told they do not take payoffs of loans on Saturday 's, only on business days. Due to my work schedule, I could not get to the bank until Friday XX/XX/XXXX. I paid off the loan and asked how long before I get my documents. I was told it takes 3 business days and then the request goes to the back office. The XXXX branch now says they have done everything, and can no longer assist. I called Santander today about my documents. I was told that because I paid with a check and not a cashiers check, I must wait 8 business days before they start processing the release of the documents. Why wasn't I told that when I went into the bank on XXXX XXXXI would have gotten a cashiers check. I was assured it was a 3 day wait. I may lose the sale of my home because of Santander. Where are my Stock certificate and Proprietary lease? I demand that Santander release them asap and over night them to me. My loan is paid off, the checks have cleared. Either Santander lost my documents and is stalling to make excuses and or they have poorly trained people who contradict each other.

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 2019-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
In process of closing on home. Contacted TransUnion because they are the only credit bureau that is reporting my student loan that has been paid off back on my credit file after was already removed and reflecting never late paid in full balance is now XXXX they directed me to their website which doesn't allow you to open new investigation. Please help time is of essence. I am currently in process of closing on a property and my score dropped and now my debt to income ratio is 10 times higher.

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 2017-12-28
Company: Atlanticus Services Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
After being sold on the idea of 0 % interest, then making an in-store purchase of {$660.00} to take advantage of the 0 % interest promo, we were shocked by a {$49.00} " Annual Fee '' being placed on our statement that we were not made aware of. Had we been made aware of the {$49.00} " Annual Fee '' we would have simply paid cash or used one of of our other 0 % interest cards that do not charge us ridiculous fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Experian Information Solutions 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:
It is unbelievable how BAD Experian is. I complained, # XXXX, wanting the permissible permission used to access my credit report on XX/XX/2017 by Experian and XXXX XXXX XXXX XXXX XXXX Experian replied back that I was complaining about an inquiry. Perhaps Experian is guilty of child labor violation. Perhaps Experian conveniently doesn't know how nor want to read. I did not complain about an inquiry but I complained Experian and XXXX XXXX XXXX XXXX didn't have permissible permission to access my credit report on XX/XX/2017. I requested a copy of the permissible permission. Normally over 5 years Experian tells me how much they appreciate me and the passes the buck to XXXX XXXX XXXX XXXX who then calls all my complaints as duplicate while never furnishing the permissible permission. Experian must be owned by XXXX or a 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 explanation
Consumer complaint received 2017-12-28
Company: VW Credit
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
This company claimed i signed paperwork as a joint acct.. and i didn't..they took my signature and ran me as the primary because my income was greater,, i was told they would only use my income to help applicant get loan and my info would only be used for identification purposes for income and in would no way be on the loan.. When loan was finalized they had use my signature as the primary applicant and would n't remove me, ,would n't send me a contract of where i signed as a primary and now have my in credit bureau for a repo .... If you look at paperwork you will see i never signed the primary or joint applicant part of the loan .... 

Creditor Information VW CREDIT XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2022 I submitted a claim to my insurance company for an incident. This was a hit-and-run, as the vehicle that hit ran off and was never located by the police. My insurance company did the appropriate investigation but it took some time. My insurance deemed the vehicle a total loss. 

On XX/XX/2022 a full payment of XXXX was submitted to Nissan from XXXX. 

I made XXXX payments while the insurance was working on the claim. 

On XX/XX/2022 a payment of XXXX was sent. 
On XX/XX/2022 the remaining balance of XXXX was paid in full. This is when I was notified of the remaining balance. 

Throughout the entire process, I was in communication with Nissan letting them know I was working with the insurance company. 

I asked them to review my credit and look at all of my past loans that were paid off, none of them had any late or missed payments. This is when I realized Nissan had reported a late payment. Nissan did not have much to say but " I'm sorry about that but we can not help you. '' This has caused me to get denied from obtaining a new vehicle loan 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Source Receivables Management LLC
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 status incorrect

Complaint:
XXXX used a bait and switch to lure customers. XXXX promised to pay all early termination and other fees for switching from other carriers to XXXX. However, XXXX failed to provide {$390.00} in promised fees as well as hundreds of dollars in service fees which it promised to refund due to repeated service failures and never delivered. XXXX also failed to refund purchase fees for returned equipment. As a result, XXXX was immediately canceled and service was switched back to XXXX where new telephones had to be purchased.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-28
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had this company credit card since XXXX and never missed a payment well on the months of XXXX and XXXX I had a tragic family event happened where a close family member XXXX XXXX  XXXX in a car accident and I tried paying to pay my bill but it wouldnt let me after several tries I was able to the next day but they gave me XXXX late payments and it damaged my credit drastically

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Rocket Mortgage, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had damage from Hurricane Ida. Rocket Mortgage has been horrible to deal with. My claim check was for {$64000.00}. Since the claim amount was over {$50000.00}, the check had to be made payable to both me and my mortgage, Rocket Mortgage. This whole process has been one ordeal after another. They kept my initial draw of {$50000.00} for almost a month refusing to direct deposit the funds into my checking account. I would call every week and was told a different excuse each time... ..they were short handed due to COVID and each time I called, the time frame for us to receive the check kept getting longer and longer ; my funds were sitting in my escrow account because a case worker had not been assigned. We are 75 % complete on the repairs and had to send photos via an online app. My balance they withheld from me is {$14000.00}. I have invoices for {$5000.00} for flooring and {$9000.00} for fencing. I tried to explain to the rep at Rocket Mortgage that I need the total of the balance to pay the contractors in order for them to start the work. They are only sending me a check for {$7400.00} and advised once the repairs are done 100 % they will send the balance withheld. I tried explaining to them that in order for me to complete the repairs at 100 %, I need the remaining balance. I also requested interest be paid on the balance as they withheld my money for 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received a call from my credit card Fraud Department ( Citi ) in XX/XX/XXXX that my credit card had been compromised and they closed the account and issued me a new card. There were a total of {$2300.00} of fraudulent charges on my account that I did not make and did not authorize. <P/>Citi investigated this matter and on XX/XX/XXXX I received a letter from them stating that they are reversing all the fraud charge claims I had previously submitted and that I am now responsible for the full amount of these charges and that their investigation is closed. Also their bill has no address to send certified mail only a XXXX  would be given where it is not possible to confirm any receipt. <P/>Also their bill does not include address to send billing disputes. <P/>I am requesting your help to resolve this matter with Citi bank

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 2019-11-19
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I graduated from the University of XXXX with a XXXX degree in XX/XX/XXXX and a XXXX degree in XX/XX/XXXX. During this time I incurred student loan debt. 

In XX/XX/XXXX I earned my XXXX XXXX in the XXXX XXXX and I am currently still serving on XXXX XXXX. 

Towards the end of XX/XX/XXXX I began paying my student loan debt and I have been paying for my student loan debt sin

ce XX/XX/XXXX. Late XX/XX/XXXX - early XX/XX/XXXX I applied for Public Service Loan Forgiveness ( PSLF ) program through FedLoanServicing. I did not get a denial letter. However the FedLoanServcing Agent told me that I was not eligible for loan forgiveness because I consolidated my student loan. 

I do not understand why I am not eligible for PSLF, simply because I consolidated my loan in order to afford paying for my loan. Otherwise, I am eligible for the program.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
American Honda has not provided the contract with my original signature when On XX/XX/2019, I sent them letters directly requesting them to provide me, my agreement. We sent letters to the credit bureaus asking for proof of the agreement and to validate the debt. And how was the investigation handle when I disputed this item on my credit file. I am asking them to provide proof of this account, or removed from my credit file. Or provide the original contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: ALLY FINANCIAL INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX 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 explanation