BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have called for 3 months on getting these hard inquiries removed for my credit report on transunion/XXXX XXXX/ XXXX/XXXXXXXX XXXX : They keep stating that they have not received anything from ( XXXX XXXX XXXX ), or XXXX states they have sent an Electronic Deletion request to Transunion/ or they do not see any accounts with my name. It is wrong to keep giving the run around on hard working American Citizens that work for a good life. Please correct this and take it off my report. Transunion and XXXX/XXXX  need to have some type of responsibility to their short comings on customers credit/ lively hood. 

I spoke with ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and ... 

XXXX ID # XXXX today XX/XX/XXXX and she said she is sending a letter or electronic letter of deletion to Transunion. 

Have transunion/XXXX XXXX/ XXXX/XXXX/XXXX XXXX  Send me a letter of Deletion and Delete the following Fraudulent Hard Inquiries : XXXX  ( XXXX XXXX XXXX airlines/ travel entertainment ) XXXX  XXXX XXXX XXXX XXXX FL XXXX XXXX ( XXXX ) XXXX Date : Individual XX/XX/XXXX XXXX   Via XXXX  ( XXXX/XXXX  ) XXXX XXXX XXXX XXXX MD XXXX XXXX ( XXXX ) XXXX Date : Individual 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 explanation
Consumer complaint received 2018-03-29
Company: LD Holdings Group, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was contacted by LoanDepot.com , LLC and advised that I could refinance my VA loan with no cost to me. The representative went on to say that it is like contacting the bank and simply negotiating the interest rate down through a new streamline refinance program available to veterans. When I was uneasy about considering an adjustable ARM, he went on to say that if the rate goes up, I can simply use the streamline program to refi again. He even thanked me for my commitment and service, which, reflecting back, sickens me to think they boost up veterans like this only to take their money. The representative sent a link to the financial documents and all we had to do was review and accept them and they would process the loan. While reviewing the documents, which were received on XX/XX/2018, I noted that they tacked on almost {$15000.00} in fees and closing costs. I called the loan officer, XXXX XXXX XXXX  ( NMLS : XXXX ) and inquired about the additional cost. Like a good actor, he told me that he would need to get with the other representative ( XXXX? ) because something was not done correctly. He went as far as to state that " we can not include additional fees onto VA loans. '' XXXX XXXX  called back onXX/XX/XXXX. stating he fixed the fees and wanted to go over the documents on the phone vice doing it online as before. I was at an engagement so I called him back on the morning of XX/XX/XXXX. While reviewing the loan proposal, I noted there were no fees ; however, the loan amount was for {$240000.00} and I only needed {$230000.00} to refinance. When I told XXXX XXXX that I was not borrowing an additional {$13000.00} and that I just wanted to refinance under the original terms we discussed, he finally told me that the deal is that there is " no out of pocket, '' but that there would be additional charges. I told him that his company was being flat out dishonest to consumers and that I would not do business with them. He actually agreed that the other loan officer was dishonest with us. I can't imagine how many retired military members get suckered in to these scams and it should not be legal. The loan number is XXXX  and they did send me a loan package after the fact, which I can provide. I think they only sent me the loan docs to cover themselves since I told them I was reporting their tactics to the FTC. I am also available to answer any other questions you may have.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 havent been able to access my credit report, and once I called XXXX to discuss the problem no one wouldnt help me. It says that my info is wrong and I know for a fact that someone has been putting stuff on my credit which is the reason i cant access to dispute it.

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 2021-04-10
Company: Ready Capital Corporation
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
We applied for PPP2 loan which was approved and all documents and agreements were singed XX/XX/2021. We have not received the money to this date. ReadyCapital states that funds were rejected by our bank. XXXX XXXXXXXX XXXX shows no attempt to send money to our account. We have been trying to get in touch with ReadyCapital to sort this out, but nobody is answering the phone and emails are received with automated responses. We still have no money and we need the PPP Loan but can not even apply anywhere else because SBA shows we have received it already. ReadyCapital also processed our first PPP loan with them - without any issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: EQUIFAX, INC.
State: NC
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 sent a dispute to all 3 credit bureaus and they didn't comply in 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I transferred Scammed XXXX XXXX XXXX XXXX DL is XXXX XXXX money through XXXX. who said I have a XXXX House In XXXX. I used Bank Of America, he used XXXX XXXX. He gave me his name, email address and phone number. He said this was the service he was most comfortable with. Since I had used it before and he gave me all the details, I wasnt that concerned with it. I send {$800.00} for Deposit on XX/XX/2019 and asked me have of rent {$420.00} and send on XX/XX/2019 .The transfer went through. He called me about 3 days later to confirm he received the money and said he was send by mail the house keys the property address XXXX XXXX XXXX XXXX XXXX AZ XXXX, I didnt received any keys and I called him back, he answered right away and said just wait for 2 days. 
Of course, then the scammer disappeared. His phone was turned off ; he never responded to any emails. He was gone. 
My bank, Bank Of America, were not able or willing to do anything after I was scammed, I think The XXXX is Mother of Scammer and Bank Of America is Grand Father for the people scam the customer. 
Thank You

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 2018-02-16
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
XXXX XXXX called my cell at XXXX XXXX on XX/XX/XXXX. I did not answer the call nor did they leave a message. On XX/XX/XXXX they called again, this time at XXXX XXXX. At this time I asked them to never call me again at this time of the morning. I let the representative know I live in California and they were calling me too early. On XX/XX/XXXX I received another call, again at XXXX XXXX. I told the representative that I was reporting them as I have a right to a quiet morning. Also, the debt in question is over 8 years old and I'm not certain it is mine debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07
Company: EQUIFAX, INC.
State: AR
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 was trying to get my son a new vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Deposited approximately {$10.00}, XXXX from divorce settlement into secured credit card account with Wells Fargo. Account was closed and money was not returned. Approximately 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 2018-08-30
Company: PENNYMAC LOAN SERVICES, LLC.
State: ND
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Last XX/XX/2017 hurricane Irma hit Florida and the entire state was declared a disaster. A mortgage forebearance program was offered in which allowed you to not make your monthly mortgage payments and to my understanding the accrued payments and interest would simply be added on to the mortgage at the end of the forebearance period then I would resume making my monthly payments of XXXX. However PennyMac wanted a lump sum payment for all of it. What possible help would this program be to anyone? PennyMac then began foreclosure proceedings and informed me that I was responsible for all the charges involved with this if I wanted to keep my house. I negotiated a payment with them for around {$4500.00} to avoid them taking my house. I made a payment to them now starting in XXXX for my normal payment of {$360.00} hoping to continue with my normal monthly payments for the 26 years left on the note. PennyMac loan services called me Monday night and said I qualified for the modification program and my new payment would be {$330.00} but now mine would be a 40 mortgage loan. I am a XXXX XXXX and both these instances see like predatory lending to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: BANCO POPULAR DE PUERTO RICO
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 paid my account in full months ago. I requested a paid in full later and for my credit report to be updated. Nothing has been done as yet about this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2019-04-02
Company: American Credit Acceptance, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
End XX/XX/2017 XXXX  XXXX contract woman. I handed her XXXX. Then she showed me contract. First thing was ... you see this..this means I have to be nice to you. XXXX XXXX was with me and began recording the way she talked condescending to me. Contract woman refused to give me back my XXXX which was 6 months back pay of XXXX I'd given her telling me I could walk out XXXX lighter or sign for and buy truck. XXXX XXXX took full advantage of me, XXXX on medication. It was robbery and they refused to take it back because they had me coming back and forth and not doing what they said they'd do. XXXX down disappeared because selling price for XXXX XXXX  XXXX on contract was original XXXX. They added stuff I didn't want and she said too bad because its all been added. American acceptance charging 24.99 % interest. I've paid over XXXX but yet payoff is over XXXX .... 
They gave me no choice so I was stuck with no one to defend me. I just now found out who all to complain to! My health isn't good so I'm down more than up ... time passes me by. It was a crooked criminal deal and I was forced because she refused to give my XXXX is just handed her a few minutes earlier back. The only resolution would be to call the XXXX plus as paid in full. Or call it paid and buy back from me for XXXX or just a fair remedy for resolution from the humiliation of the treatment the way it was forced on me and telling me sign or walk away XXXX lighter. I want them both held accountable!! XXXX XXXX XXXX and American Credit Acceptance. I've got contract that I can send. There should also be federal laws regarding this criminal act against XXXX XXXX   XXXX person plus they especially she were discriminating against myself and my young friend from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was pre-approved for a conventional loan for an investment property on XX/XX/2020. Today is XX/XX/2020 and I have missed two closing dates and can not get an answer as to when I will be able to close. Due to the lack of communication between the lender, attorney 's office, real estate agents and I, I have been forced to pay an additional {$500.00} in due diligence money on top of the {$500.00} I originally paid. I am also currently paying rent for the home through a buyer 's possession negotiated so my renter 's could move in even though I have been unable to close. These renters were relocating from another state due to job relocation and needed a place to go. Now the seller is considering terminating my contract and I've done everything I can to move this process along. I have provided all the requested documentation several times over and have been asked to justify documentation provided multiple times. I have already been approved for the loan so I can't understand why I can't just close on move on from this. This is the last time I will ever get another loan through Freedom Mortgage and I am sick by the way I've been treated throughout this process. I was going to walk away and use a different lender but was talked into staying on the promise of closing on XX/XX/2020, which also was a lie.

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 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 submitted this complaint to update this suspicious information. Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-10
Company: OneMain Finance Corporation
State: LA
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:
Loss of job, house, and wages due to COVID- 19, Since then I have been declared XXXX XXXX  XXXX and now I am on a set income from the government and deemed totally XXXX. This account is not reporting correctly The balance should be XXXX not XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Kashia Services
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
The interest is actually not even calculated in APR ( which they advertise only on their contract at 780 % ). Biweekly and interest finances charges on the loan are excess of 20 % to 40 % of principle. Even paying the loan within two month would essential cost double of the principle. Of the initial payments of 300 dollars, pennies on the dollar are applied toward principle. The lender is compounding interest daily, assessing finance charges above lawful pay day lending limits, and is otherwise using predatory lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: EQUIFAX, INC.
State: MI
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: Problem getting your free annual credit report

Complaint:
On XX/XX/2019, I ordered my annual credit report by phone. This was after one year since my last year Equifax credit report was received, which was also not sent upon request through the annual credit report request process.

Equifax has now for years refused to send my annual credit report and the only reason I have received any of them from Equifax is because of my ongoing annual complaints filed with the CFPB.

I am once again this year requesting the CFPB to assist me in receiving my free annual credit report from Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29
Company: SYNCHRONY FINANCIAL
State: ME
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a credit monitoring alert stating I had an account over the limit. When I looked into it, it was for my XXXX XXXX XXXX. I knew I wasn't over the limit because I hadn't used the card. They lowered my credit limit to below my account balance without notifying me - had they notified me I would have paid the {$21.00} difference so it wouldn't have impacted my credit score. I don't think it's a fair practice for a company to lower your credit limit to below your balance and then report it to the credit agencies as over the limit. I received the notification they lowered my credit limit at least a week after I was notified via my credit motitoring alert. I am working to pay this card off because I don't like their practices. When I chatted with a representative online they said I would get the letter and it would tell me what to do in the letter. I'm not sure why he couldn't help me or get someone who could help me. With this age of online accounts and electronic notifications - which my account has a secure message area, why they couldn't sent that to me electronically, then I could have had the oppotuntity to remedy before they impacted my credit report. The company seems unphased - the XXXX card is through 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