BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-10
Company: Sunlight Financial LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/2021 I signed a contract to have solar panels installed on the home I own. They partially installed the system on XX/XX/2021 and it is still not operating. It does not work. I have signed the dotted line so I have obligated myself for 20 years to pay for something they have failed to deliver on. The other concern I have is the federal tax credit you can get for going solar. They expect me to pay the tax credit amount on the loan by the XXXX month note. On the XXXX month they will add the tax credit to the loan amount I owe. The system was {$38000.00} tax credit {$9900.00} for total of $ XXXX. The companies I am dealing with is XXXX XXXX XXXX XXXX dba XXXX XXXX. Sunlight Financial, service provider is XXXX XXXX XXXX. 
I have made numerous calls, emails, text with no results. 
I requested a breakdown of how they came up with the total of the system {$38000.00}. They could not give me more than the contract I signed which does not give that detail information. There is a Promo Credit they are suppose to pay me in the amount of {$3400.00}. I inquired and it will take 6-8 weeks AFTER the 'PTO ' permit to operate is given. The county can not inspect the system before it is installed and working. It appears they wanted the funds released so they half done my install. Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: EQUIFAX, 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:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

For example, XXXX XXXX XXXX XX/XX/2016 {$760.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 correspondence with FCRA, XXXX and Transunion have violated my rights w/Account # XXXX alleged company : XXXX 15 usc section 1681 ( 602 ) ( a ) states i have a right to privacy 15 usc 1681 section ( 604 ) ( a ) ( 2 ) consumer agency can not furnish an acct without my written instructions 15 usc 1692f ( 1 ) unfair practices ; thus XXXX has violated my rights as well I have asked several times to remove inaccurate account, please remove

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 2021-11-10
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2021, I initiated a consumer credit transaction with Regions bank using my credit card as defined in 12 CFR 1026.2 and 15 USC 1602 ( i ). To my surprise I was denied my credit. Credit is a right as defined in Truth in Lending and to deny me my right because I in good faith exercised any right under the Consumer Protection Act is prohibited and discrimination which is a violation of 15 USC 1691 ( a ) ( 3 ). The inquiry on my consumer report and denial email is proof that a transaction occurred. A transaction was completed using my credit card and I never benefited from it, another violation of the Truth in Lending Act 15 USC 1602 ( p ). According to Regions Bank I was denied because of a credit score. Pursuant to 12 CFR 1002.0 ( b ) ( 2 ) I can not be denied because of company policy or because of a credit score. This discriminatory act taken against me has caused me XXXX XXXX  confusion, bouts of XXXXXXXX XXXX XXXX nights, and early XXXX XXXX from the 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 2020-12-21
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Submitted 2020 real taxes ( school ) to the mortgage company ( Loancare , LLC ) in XXXX of 2020 to be paid out of escrow account ( fully funded ). 

Received notice from my city school district in XXXX 2020, stating the taxes had not been paid and missed the discount period had they been paid by XXXX ( now {$100.00} more ). I first contacted Loancare , LLC in XXXX after receiving this notice. If the taxes were not paid by XXXX/XXXX/20, I would receive a 10 % penalty on the amount ( now {$500.00} more ). 

I have called Loancare , LLC every week since then to try to get these taxes paid, again out of the escrow account that is full funded. It is now XX/XX/XXXX20 and I still can not get these paid out my account and the city has indicated they will submit this matter to collections if not received by the end of the year. 

Every time I call Loancare , LLC, I am put on hold or passed around to " supervisors '' who tell me someone will call me back. I can only assume they are stealing the interest being earned on my escrow account and have no reason to pay my bills in accordance with the time required. I have called probably close to 20 times to get this matter addressed, each time with it being escalated without any resolution. 

My mortgage is current and I have provided all documentation required to resolve this issue, but they continue to hold my escrow account hostage.

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 2021-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX.D.O.B. XX/XX/XXXXSSN : XXXX XXXX XXXX, XXXX, Va, XXXXPhone number : XXXXEmail : XXXX XXXX XXXX ACC : XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Texas XXXX ACC # : XXXX The purpose of this email is to inform this credit bureau that I contacted XXXX XXXX about the settlement that was paid in the amount of {$260.00} to the collections agency of XXXX  XXXX. Once the debt was settled XXXX updated the settlement to my credit report. I asked both XXXX and XXXX XXXX to remove the settlement from my report and they refused.By law once a debt is paid it can be removed from a credit report if requestedPLEASE investigate and remove this settlement from my credit report.I attached a file of my receipt of payment for proof. 
Thank you 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 2022-04-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account does not belong to me. This account is fraud. Please delete it immediately. I have never even owned an account with XXXX XXXX. I have included my Identity theft report as requested by Equifax on XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I visited the Transunion website for an annual check of my credit report. I was not able to access the report after logging in. After I spoke with a representative, I was told that I would not have access to my report for three days due to a technical issue. I still do not have access to my credit 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 explanation
Consumer complaint received 2017-10-26
Company: Westlake Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX after reviewing my credit report I noticed an delinquent/collection account, of which I had no previous knowledge of appearing on both my XXXX and XXXX  credit report. The balance owed is reflected as {$1700.00} while XXXX reports the debt type as 'credit card, ' XXXX reports the debt type as 'installment. ' I immediately sent correspondence dated XX/XX/XXXX, ( see attached correspondence ) to the Wilshire Consumer asking them to follow FCRA requirements and validate the debt with a 'wet ink signature. ' I also requested any and all documents pertaining to the account that would further validate the debt in question. Additionally, I disputed the account with XXXX and XXXX. The results of the dispute returned as 'updated, ' as if Wilshire simply updated the account information. Unfortunately as of XX/XX/XXXX Wilshire Consumer has surpassed the 30 day timeframe instituted by FCRA, I 've received no response from Wilshire Consumer. 

Likewise, I contacted Wilshire Consumer via phone on XX/XX/XXXX and spoke to XXXX XXXX ( XXXX ) to request proof of the debt owed. I was told the information requested was available, however, 'originals ' would not be made available for my review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
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 sent a dispute letter to XXXX  and Equifax about several inquiries that were not initiated by me. I ask for verification and validation of the information. I had an existing fraud alert on my credit report but still ended up with inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: TD BANK US HOLDING COMPANY
State: CA
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:
On XX/XX/20, I discovered 2 suspicious pending transactions that occurred on XX/XX/20 & XX/XX/20 on my Target MasterCard & another transaction that went through from same vendor, XXXX XXXX XXXX on XX/XX/20 for around {$68.00}. I called Target XXXX customer service and spoke to XXXX ; therefore, my account was closed and I was issued a new card. The pending transactions did not go through and I was refunded the {$68.00}. However, I was waiting for a refund from XXXX for XXXX. I checked my XXXX account on XX/XX/20 and the refund was issued into XXXX store credit. I spoke to XXXX on XX/XX/20 and told him that I would like the refund back on my Target MasterCard. I spoke to XXXX from Target on XX/XX/20 and I was told that it would take 3-5 business days to show on my new Target MasterCard. However, this did not happen and I have been calling back and forth from XXXX to Target. XXXX from XXXX emailed me on XX/XX/20 that the refund has already been issued back on my card but Target has not posted it yet on my new MasterCard account. I was told by XXXX from Target on XX/XX/20 that it is showing on the old account on XX/XX/20. Then he transferred me to speak to XXXX who told me that I would have to wait 60 to 90 days for my refund because my old account is under fraud investigation. This does not make any sense why my refund needs to be under investigation. I feel that Target is ignoring me and making excuses not to give me back my refund. I also feel that I am have been taken advantage of. My experience with Target XXXX  is awful and I am not getting anywhere talking to them. I still have not received my refund. Please help me get my refund back and resolve this problem with Target as soon as possible. Thank you for your time and consideration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-10
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Comenity bank is harassing me multiple times a day for over a month by phone after I told them to stop. This had caused an incredible amounts of XXXX. It's abusive and has triggered my XXXX XXXX multiple times. I feel like they are XXXX  me and is a really bad business practice. My cellular carrier and I have records of all the incoming calls. I have blocked them and they keep on using different numbers including Restricted lines to bypass all my blocking efforts. It's abusive and making my life more difficult. I am XXXX and live on XXXX. Life during this pandemic is difficult enough for poor XXXX folks. This is making it impossible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01
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: Was not notified of investigation status or results

Complaint:
I submitted a dispute letter dated XX/XX/2022. It is now XX/XX/2022 and there has been no response. According to the FCRA, if there is no response from a creditor within 30 days of dispute, items must be removed

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 2017-10-26
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was sent an email from XXXX XXXX XXXX XXXX offering to apply a hardship forbearance to a payment I was running behind on. The email advised me to reply help and my account would then be reviewed for a hardship forbearance. On XX/XX/XXXX I received a notification from Nelnet advising my forbearance had been approved and my next payment would be due XX/XX/XXXX for my regular payment amount of {$160.00}. To confirm this, I also logged onto my Nelnet account to verify I no longer reflected a past due balance. Today ( XX/XX/XXXX ), I received a statement advising I have a past due balance as well as a subsequent balance due on XX/XX/XXXX. I called Nelnet to discuss the discrepancy and was advised by multiple agents that the system made an error and that I did not qualify for the previously offered and applied forbearance ( 3 days before my due date ) leaving me unprepared and subject to a negative credit mark for an error that was not on my part. Nelnet has advised there is nothing they can do to help me in this situation and they will review the system however, they will not be able to provide me with feedback on what went wrong and if its been fixed. This means myself and other unsuspecting borrowers are subject to experience this issue again in the future which is completely unacceptable for an organization that has the ability to impact credit reporting and the livelihoods of its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
CHASE BANK USA, N.A. without my verbal or written consent accessed my credit profile via XXXX XXXX and XXXX  XXXX ( XXXX ) separate times on at least these dates : XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I have on several occasions in good faith attempted to resolve this matter via documented telephone calls, U.S.P.S. Certified written NOTICES with Affidavit attached and emails, to no avail. I expressed my frustration with the situation and the several FCRA violations that were committed. 

At this time as an injured party I would like resolution and relief for these blatant violations and willful non-compliance as clearly stated in the FCRA. Also for CHASE BANK USA, N.A. to put  safeguards in place so this does not happen to any other consumers ... especially consumers like myself who have never had any prior Creditor-Debtor relationship with CHASE BANK USA, N.A.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: AMERICAN EXPRESS COMPANY
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:
On XX/XX/2023 I applied for credit with AMERICAN EXPRESS and was denied. This is a violation of Equal Credit Credit Opportunity Act which is codified in 12 CFR Part 1002, also a violation of 15 U.S.C 1681m. This is proof of fraudulent activity ( unauthorized use of credit card 15 USC 1602p. The Card applied for was an AMERICAN EXPRESS Amex Card with a {$50000.00} limit and 110,000.00 flyer miles.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: AL
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 correspondence with FCRA, Experian and XXXX have violated my rights w/Account # XXXX alleged company : XXXX 15 usc section 1681 ( 602 ) ( a ) states i have a right to privacy 15 usc 1681 section ( 604 ) ( a ) ( 2 ) consumer agency can not furnish an acct without my written instructions 15 usc 1692f ( 1 ) unfair practices ; thus XXXX has violated my rights as well I have asked several times to remove inaccurate account, please remove

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 2022-04-01
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AL
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 correspondence with FCRA, XXXX and XXXX have violated my rights w/Account # XXXX alleged company : XXXX 15 usc section 1681 ( 602 ) ( a ) states i have a right to privacy 15 usc 1681 section ( 604 ) ( a ) ( 2 ) consumer agency can not furnish an acct without my written instructions 15 usc 1692f ( 1 ) unfair practices ; thus XXXX has violated my rights as well I have asked several times to remove inaccurate account, please remove

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 2017-10-26
Company: CITIBANK, N.A.
State: IL
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 was looking at my XXXX annual credit report. I found that I have an unauthorized hard inquiry on my credit report. 
It shows on XX/XX/XXXX, Citibank NA, BEST BUY put a hard inquiry on my credit report. But I did n't apply any credit card or load from Citibank NA, BEST BUY in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal has closed my account for no reason on XX/XX/2022, and is not helping me with getting it back up and going. I'm not sure if this is a mistake but I assume it must be. I have not been able to get any help from them but I realized I could file a report here since I feel they are not doing their job properly and it is affecting me a great deal since I use PayPal very frequently. Also my balance is being held for six months, a total of {$81000.00}. The email linked to my PayPal account is XXXX. They state that my account was banned because of potential risk, however we have a .33 % chargeback rate ( 47 chargebacks out of XXXX transactions ), so this surely can't make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: BANK OF THE WEST
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a HELOC with Bank of the West and have been unable to repay the HELOC due to an inability to transfer funds from an external bank account to Bank of the West. The external transfer process on Bank of the West 's website is completely blank. There is no ability to even try to initiate a transfer. Without this ability, I'm unable to paydown my HELOC and am incurring interest that I should not be responsible for as it's due to a failure by the bank to enable a paydown. 

I tried calling the bank on XX/XX/22 and was stuck on hold for over 2 hours with no response from the 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 non-monetary relief
Consumer complaint received 2021-11-10
Company: National Credit Adjusters, LLC
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:
On XX/XX/2021 The National Credit Adjuster Agency report to XXXX a False and inaccurate address in wich I never leave and the other problem was that the National Credit Adjuster never sent me a notification of such collection From XXXX XXXX of a collection of Surge Credit card

Company response to consumer: Closed with explanation