BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX, Transunion, and XXXX  are erroneously reporting public record BK XXXX on my credit report that was supposed to be removed and is not an accurate public record ... I have disputed this information with the bureaus who stated they were able to " verify '' accuracy with the furnisher which was a lie ... - US BKPT CT CA XXXX - WHO STATED THEY DO NOT REPORT OR UPDATE OR V XXXX XXXX ANY INFORMATION AT ALL TO CREDIT BUREAUS ... THUS YOUR STATEMENT OF " VALIDATING THE ACCURACY OF THIS ACCOUNT WITH THE REPORTING FURNISHER IS FALSE! ... " AFTER CONTACTING AUTHORITIES IN CHARGE OF REGULATIONS OF YOUR ORGANIZATIONS, I LEARNED TO. FIND OUT THAT IT IS XXXX XXXX PRIVATE COMPANY THAT COLLECTS AND SELLS THIS PUBLIC INFORMATION TO YOUR ORGANIZATION. I THEN CONTACTED THEM REQUESTING VALIDATION OF THIS ERRONEOUS ACCOUNT ON MY CREDIT REPORT ... 
- IN XXXX OF 2021 AFTER YOUR NUMEROUS WRITTEN VALIDATION ACKNOWLEDGMENTS OF ACCURACY OF THIS ACCOUNT, XXXX THE ACTUAL FURNUSHER OF THIS ACCOUNT TO YOUR ORGANIZATION, CONFIRMED IN WRITING THEY DO NOT AND DID NOT HAVE SUFFICIENT OR NONE INFORMATION ON THEIR RECORDS IN REGARDS TO THIS PUBLIC RECORDS # XXXX OR # XXXX THUS THEY CONFIRMED IN WRITING DELETION OF ANY AND ALL PUBLIC RECORDS RELATED TO MY SOCIAL SECURITY NUMBER.

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 2017-10-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I turned my XXXX XXXX XXXX into XXXX of XXXX on XXXX XXXX, 2016 in order to lease a new 2016 XXXX XXXX. The car that was turned in was in " as-new '' condition. 
The dealership inspected the car, then agreed to take the XXXX XXXX with the agreement that they would pay all remaining charges on the Lease, in order to get me into the new car. That included paying off remaining  payments and excess miles charges. I was never told how they would dispose of the car, but assumed they would sell it on their lot as a used vehicle. 
Eight months later I received a bill from Toyota Financial for excess  miles, damage to the car, and a bill for the remaining lease payments.
I have corresponded with Toyota Financial four times, as well as spoken to them on the phone, to clear this up but to no avail. They claim that the dealership never paid the excess miles, the remaining lease payments, and they turned in a damaged vehicle to them. They also claim they are unable to contact the dealership Since my dealings were only with employees of XXXX of XXXX, I contacted them to try to straighten this out at least three times in writing, and over the phone at least twice. 
No one in the Toyota Organization at any level has done anything to attempt to resolve this. This is a fraudulent attempt to extort money from me that is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I submitted a complaint with XXXX last XXXX XXXX XXXX about the inquiry that they made into my credit report. The XXXX responded with a letter that they obtained inquiry with my permission that the Loan depot gave to them. The loan depot agent told me that this is only a soft pull and not a hard pull since this is just a verification and once we move forward with the loan they will do a " hard pull '' Unfortunately they were not able to qualify me for the loan and left damage to my credit by leaving that hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I attempted to close an account with a remote bank - Ally Bank in XXXX XXXX, PA. 

As this was a trust account, the authorization process was much more complicated than the personal accounts I also had at the bank. With those accounts, I was able to transfer funds out of Ally via their website to my local bank. With the trust account, however, I was required to call the bank and go through a very detailed process to ensure that I was the trustee on the account. When we finally got through this process, they ensured me that they would be sending me the account balance via a check. They confirmed that on the day the account was closed ( XX/XX/2021 ) the account balance was {$12000.00} and that I'd have the check in a few days. 

After several months and several phone calls, they indicated that they had already sent the check, but I never received it. They then said they would need a notarized affidavit regarding the lost check, which I sent them on XX/XX/XXXX. Again, I did not receive any check. 

I contacted Ally again in XXXX and indicated that I had never received the check. The customer service rep finally found my affidavit and indicated that it had not been processed yet. After a long phone discussion and the significant delay in processing my request, Ally agreed to wire transfer the money to my XXXX XXXX account. I provided the routing and account numbers and waited. 

I called them again two weeks ago and again asked where my money was. They indicated that after agreeing to send me the funds via wire transfer, they'd changed their minds and in fact needed a different form of affidavit regarding the lost check and wouldn't be sending me my funds, even after a five month delay, numerous phone calls, long wait times, constant transfers amount their internal departments and many broken promises.

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 2022-03-30
Company: CORELOGIC INC
State: OR
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 applied for a mortgage with XXXX XXXX on XX/XX/2022 with a loan officer named XXXX XXXX ( XXXX  XXXX ). I authorized a credit report pull on this day and the loan officer completed the credit report pull on this day. On XX/XX/2022, the loan officer discovered that I was shopping around, and pulled my credit report XXXX more times ( in the same day ) to deliberately lower my score so that no other lenders could help me. Between XX/XX/2022 and XX/XX/2022, my score XXXX score dropped XXXX points with no other changes to my credit report other than the inquiries in question.

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 2022-03-30
Company: AMERICAN EXPRESS COMPANY
State: IL
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:
On numerous occasions American Express denied me credit and that's a violation of the equal opportunity credit act ( ECOA ). I gave American Express my social security number and I didn't get just compensation. This has been going on since XXXX to XXXX and I have evidence of this discrimination that I will provide. The equal credit opportunity act say that American Express can't make a decision base on my ability to pay back and that's just what they did.The Equal Credit Opportunity Act ( ECOA ) is federal civil rights law that prevents lenders from discriminating against credit applicants based on factors unrelated to their ability to repay. I have been discriminated against and American Express needs to remedy these situations ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After hours pediatrics has refused to remove a debt that has been paid and satisfied by the insurance companies. 

My son was seen at an urgent care and at the time had 2 insurance companies. XXXX was primary and paid according to contract. The 2nd company was XXXX XXXX and paid to contract leaving no patient responsibility. According to the doctors office, XXXX paid incorrectly and are now billing me. The issue is a contractual issue and although Ive provided the eobs from the company verifying there isnt any patient responsibility this company has decided to do what they want to do. 

reference number 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 2022-12-16
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
Upon checking my credit report, Ive noticed some unauthorized & unverified inquiries on my credit report according to the FCRA legally, these items must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: PA
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2017-10-29
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX violated the Fair Credit Reporting Act. XXXX XXXX XXXX furnished derogatory information to XXXX, XXXX and XXXX. They are required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing, that such furnishing of negative information was going to take place. This is required under the FCRA, section 623, subsection ( 7A ). XXXX XXXX XXXX did not comply to this statue.

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 2017-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted the company numerous of times to have the account information updated. That is still reporting incorrect and this is hurting my credit score. that dates should be updated from late to on time this is crazy that I have to keep going thru this with this company.They are not validating the account at all. They 're only verifying that the account is mine. The dates are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX please fix my account XXXX dont know what else to do.

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 2021-05-11
Company: EQUIFAX, INC.
State: AZ
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 got a late payment on my mortgage in XXXX. Reason was i changed my bank account info and autopayment didn't trigger. Upon checking with XXXX they said i have to allow one month for autopayment to kick off and have to make manual payment for 1st month. I have multiple mortgages and never had any late payments for years. Because of this late reporting it dropped my 74 points off credit scores, which is very impactful. This could have avoided if : - There was warning during autopay setup alerting off this requirement -There was a letter sent indicating late payment ( all i kept getting was regular statement which never caught attention ) - There was call made to make aware. 


Understanding nature of issue, i request my late reporting to be removed from credit.Adding XXXX as they were original mortgage company, XXXX is servicer. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: EQUIFAX, INC.
State: CA
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 noticed an unauthorized hard inquiry into my credit on my Equifax Credit Report. I disputed it, and roughly XXXX days later, they said they completed the investigation and left the inquiry on my file. I told them it is fraud, and I had contacted XXXX who confirmed someone had used my SSN and Name to open an account with them. Equifax refuses to do anything further about it and is dumping the problem totally on me. The only reason anyone was able to GET my information was BECAUSE of the massive Equifax data breach -- they need to be doing more to help people who have been impacted by the data breach and have had their information stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: HUNTINGTON NATIONAL BANK, THE
State: KY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Huntington Bank Credit Card Account number ending in XXXX - cardmember is an authorized user Dispute case reference number XXXX Transaction on XX/XX/2022 for {$110.00} with merchant XXXX flight cancelled no refund provided. 
Unable to resolve with merchant Disputed transaction with Huntington Sent documentation to support claim. 
Huntington says they didn't get the documentation Denied claim Huntington is engaging in unfair and deceptive practices. 
Pretends they did not receive the documentation I sent so they could decline the claim. 
Tried to call Huntington- has 45 minute to 1 hour wait time - making it impossible to speak with a representative to discuss.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Lending Club Corp
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Lending Club Bank formerly XXXX XXXX Account was frozen unknown time frame of when my checking account was first frozen. I attempted to log in but the system would not allow me to as shown in screen shots. I also tried a password reset but that did not work either. I also tried to use my debit card but that also doesnt work. 

Spoke to XXXX on XXXX did not have an answer for me said someone will get back to you in a few days I did not like that answer so she said she would talk to a manager to un freeze my account the same days. She advised me that she would get back to me within a few minutes that never happened. 

I called again on XXXX and spoke to a XXXX and all she did was put in a ticket to some mysterious review department and said the same thing that XXXX said, that someone would get back to me in a few days via email. 

I am not sure what operation they are running here but a normal bank would allow me to speak to someone and advise me of whats going on I am not sure what type of review I am under as they can not explain to me why my account is on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: WELLS FARGO & COMPANY
State: TX
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 checking account at Wells Fargo as a new customer on XX/XX/2019. I used a valid bonus offer code while applied the new checking account online and received the new account welcome letter along with Bonus Offer Disclosure and Additional Requirements. I met all the requirements that Bonus Offer Disclosure and Additional Requirements stated on 9XX/XX/2019 but I haven't received {$400.00} bonus as new customer opening a new checking account. 
I contacted their customer support and they replied to me that " I reviewed your credit for the promotion wasn't issued because the requirements of the campaign weren't met. This offer is intended for new checking customers only. You must have a valid bonus offer code.You are not eligible for this offer if : You are a current owner of a Wells Fargo consumer checking account, you are a Wells Fargo team member or if you have received a bonus for opening a Wells Fargo consumer checking account within the past 12months '' I asked them to check which requirements of the campaign weren't met : 1. I used a valid bonus offer code and received New account welcome letter along with bonus officer disclosure and requirements. 
2.I haven't received any bonus for opening a Wells Fargo consumer checking account within the past 12 months 3.I opened this account  on XX/XX/XXXX. I haven't any wells Fargo account opened at that time. 
XXXX. My employer sent my payroll of {$4000.00} using direct deposit to the checking account opened every month since XXXX. 

Since then, they never replied me back

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 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I am name is XXXX XXXX XXXX and this this complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$980.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX  XXXX Bankruptcy Reference # : XXXX Asset Amount : {$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 non-monetary relief
Consumer complaint received 2017-10-29
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:
All three major credit bureaus have illegally hoarded my person information without this my expressed written consent. Pursuant to the XXXX XXXX XXXX all 3 credit bureaus violated all privacy rights and allowed my personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared my personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace me. I would also like thank the CFPB for protecting her/his Personal, Family, and Household.

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 2017-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
All three major credit bureaus have illegally hoarded my person information without this my expressed written consent. Pursuant to the XXXX XXXX XXXX all 3 credit bureaus violated all privacy rights and allowed my personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared my personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace me. I would also like thank the CFPB for protecting her/his Personal, Family, and Household.

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