BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-09
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: Their investigation did not fix an error on your report

Complaint:
I have had a Fraud Alert on all three of my credit reports for some time now and an alert that I was to be called if anyone tries to open an account in my name. I have been fighting Fraud accounts for months now. XXXX XXXX allowed someone to open a credit account without contacting me as directed, then the account become past due and the reported this on my Trans Union credit report as 30 days past due. I asked for Trans Union to correct this and they submitted a dispute I guess and came back with the company validated the debt, that 's it, how they validate an account I do not know. What I do know is that I have never had an account with XXXX and they did not call me to verify I requested this account be opened. I am not sure what else to do, I have had my life turned upside down because my information was stolen and I am the one who has to fix all this, and a company can just say its valid with no proof.

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 2019-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received an updated credit score through XXXX XXXX, which showed that my Transunion score had dropped 68 points. My score went from a XXXX to a XXXX the day after my bank reported our home refinance. I called the company to ask if that is a normal drop for a home refinance, since that big a drop seems like it would be a deterrent. I called the XXXX number provided by TransUnion on their website. I pressed zero to speak to a customer service representative. I explained my problem and they told me that my score is calculated by a formula that is automatic based on the information in my records. I asked if a 60 point drop is normal as that didn't sound right. I was told the same information, that my score is calculated by a formula that is automatic based on the information in my records. I asked if I could speak to someone who knew the formula and if that sum ( 60 points ) seemed correct. I was then told that nobody knows how it's calculated, it's automatic. I've worked hard to build my credit back up and this drop is disturbing and unnerving. The fact that nobody knows how this is calculated makes me feel like this is an arbitrary number that many important financial decisions are based on. I would like to know the formula, or know that the calculations are correct, and also the standard drop for a refinance. If this information is in error, it is detrimental and slanderous to my financial reputation. 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 2017-12-28
Company: WELLS FARGO & COMPANY
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Hi I had a Heloc with Wells Fargo & called on XX/XX/XXXX to ask for my pay off amount.They said it was XXXX plus XXXX a day after that.I went to their branch on XXXX XXXX in XXXX, Pa with a certified check for XXXX at XXXX XXXX est.The branch took my money & said the loan was paid off & closed.I went online the next day & it showed as a pending payment.I called Wells Fargo & said why is my loan still showing up online with a credit of XXXX, they said it takes a couple days & the branch did not ask me to sign a document that had to be signed.I called on XX/XX/XXXX & said how would I be getting my credit for XXXX & they said I would not be getting it back due to county fees.Why did they not tell me about these county fees when I asked for the payoff amount? Now I have to go back to the branch tomorrow in 0 degree weather because they dont know how to close out a loan.Also they said I would be credited the XXXX but on the phone call today XX/XX/XXXX they said nothing would be credited.I have been a loyal customer to this bank for 12 plus years & they are going to lose my mortgage, checking & savings account if they dont make this right.Thank you.Bottom line, I want my credit & a apology from management on this nightmare.

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 2019-08-05
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Comenity Bank/XXXX- This account was brought to current status and payment arrangements made, yet the company is still reporting it as past due on my credit reports even after contacting the company and addressing the problem. The rep collected money from me telling me my accounts were still active, only to find out later on that my accounts were actually charged off the day before. I brought the account to current, and have been paying monthly on time, yet they continue to report to the credit bureaus that I am past due. I had TWO other accounts with them that I had the same problem with and they were rectified through this platform.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XXXX i scheduled a transfer From savings to checking for XXXX For XXXX. 

On XXXX i discovered that my entire balance was transferred. 
I then called customer service And requested assistance to reverse the transfer and noted that it was scheduled for XXXX. 

I asked if any actions would result in any Fees. Customer service said that they would note the account about the problem and report technical problems. 

On XXXX bank charged my account a fee of XXXX. I. Then alerted customer service about the fee, and was told that they was not responsible for system errors. 

my satisfaction is that the bank Reverse the Fee, and fix their system as it relates to my account With a fee reversal. 

Account numbers 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 monetary relief
Consumer complaint received 2018-01-13
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Debt collection
Sub-product: Auto debt
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 I traded in my XX/XX/XXXX XXXX XXXX XXXX at XXXX XXXX XXXX. I paid USXXXX as a down payment .XXXX contacted XXXX XXXX XXXX and got the paid off information and based on that the gave me the new deal. The US XXXX should cover the remaining payments. In XX/XX/XXXX I received a notice dated XX/XX/XXXX trying to collect US XXXX when I called XXXX XXXX XXXX they told me that they have nothing to do with that and if I font pay the will send my account to collections. I explained that I made a deal with a dealership that belong to them and that they should contact the dealership. They did n't care. I called the dealership several times and have not get a response from them yet. 
Today I received a notification that this account is in collections dropping my credit score to XXXX. This is the 4th vehicle I get from this dealership and I have nothing to do with the communication between the dealer and XXXX XXXX XXXX when they call to get payoff information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-15
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Around XX/XX/XXXX, XXXX XXXX XXXX repossessed my vehicle and the account on my credit report is showing charged off. However, whenever I look at the payment dates made on my santander consumer USA account that I still have access to, it shows last date paid XX/XX/XXXX. Yet whenever i look at my credit reports for all 3 bureaus, it shows charge off. How can this be? From my understanding, if an account is 90 days late, then it can go into collections or charge off status. I have no idea what's going on and this is strange.

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 2020-02-08
Company: Choice Money Transfer, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I paid my utility bill ( XXXX  XXXX XXXX ) via XXXX XXXX, which is a partner agent Choice Money Transfer. I paid a bill of {$250.00} and the agent gave me a receipt of the transaction. She also told me that her system was down that time and she will make the transaction as soon as possible. 
I followed up with her on next day but she said her system was still down. 
I went to the store again on XX/XX/XXXX and found the store was closed. She hanged a notice saying that her system was down and she will open the store on XX/XX/XXXX. But since then the store never opened and the bill was never paid to XXXX XXXX XXXX. I got the same bill again with past due. 
I called their wire transfer agency ( Choice Money Transfer ) but they told me that they are only refunding customer who sent money to others. They are not taking any responsibility for bill payment. 

Address of XXXX XXXX : XXXX XXXX XXXX, XXXX, NJ XXXX Address of Choice Money Transfer : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX Phone :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX  XXXX took advantage of our perfect credit history and sold our loan off within 39 days after closing to what we have experienced to be a fraudulent incompetent servicer called Shellpoint Mortgage which I guess is owned by XXXX XXXX. We have tried to get support many times as they barely answer their phones, they lie about receiving simple documents such as auto pay for our loan, and never response to related fax or emails. This is disturbing as we own many houses and never had issues with normal banks but these two XXXX XXXX operations are trying it seems to force issues for home owners by not communicating now over 90 days to take auto payments perhaps attempting to force great credit worth experienced home buyers to be late so they can collect late fees. Unfortunately thats how this experience had been with XXXX XXXX now the servicer they passed us off too, shell point mortgage. 

Further they send threatening letters claiming our documented home insurance that we needed to close the loan with XXXX XXXX wasnt on File. We repeatedly called and sent emails to the requested communication emails with proof as did our insurance agent. Still no confirmation this was received to rectify their misappropriation of our documents they XXXX mortgage who sold us to this servicer should have organized and not harassed us by mail. They can mail stuff but cant respond when we many times to try to get them documents again to rectify their negligence. 

They werent even taking our information to set up an online account initially when we were transferred to shellpoint until a few days into our first Month under their contract ti service our loan. We couldnt get our new account information. Terrible fraud being perpetuated and negligence. We must investigate the process

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: SYNCHRONY FINANCIAL
State: FL
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:
Synchrony Bank although all cards paid on time and long ... They CLOSED all my accounts that I had for years. 

They are now showing I owe more than my Available Credit. 

No notice, no email. They said I was a risk. I was NEVER EVER late. 

This is not fair to me. They could have at least called or something. I sparingly used the cards and only my furniture card had the highest balance. 

I have worked for 5 years to rebuild my credit after Chapter XXXX. They just ruined this for me.

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 2017-11-09
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wrote letter to XXXX XXXX XXXX/XXXX XXXX requesting validation of debt and to provide legal validation as required by my state that I have an account with them or any liability to pay them. I do not have any obligations, contracts, agreements to pay and disputed this debt in its entirety via tracked mail directly to the company and they have provided no response validating my request. However they continue to place miscellaneous balance increases to my XXXX XXXX XXXX reports, XXXX has removed this from my reports as it is clearly a violation to report inaccurate information. This is an attempt to resolve this matter without further harm to my credit file and having to take additional action against XXXX and their illegal reporting practices. the last that I saw in my credit files was an amount of XXXX XXXX  which continuously increases little by little. Upon contacting the listed OC - original creditor I did receive a letter saying it has a 0 balance and has been with another company aside of this XXXX XXXX. it reflects a false balance, it reflects false responsibility, it reflects inaccurate dates which affect the Statute of Limitation of the credit agencies. This should be deleted from my file of XXXX  and XXXX as it is in violation of many reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Bridgecrest Acceptance Corporation
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Bridgecrest Acceptance Corporation has violated the law and has been deceptive. They did not follow The Truth In Lending 15 usc 1601 and have been lying about the finance charge 15 usc 1605. They are trying to collect cash in a consumer credit transaction with a finance charge involved. I even asked them to validate the debt 15 usc 1692g because in the initial communication they did not and they still have not. I also neve. I have let them know about their violations with a affidavit. They did not rebut the violations but just claimed they felt like they did nothing wrong, instead of thoroughly investigate the matter. Now they are threatening to take my car illegally. So now I will send a last affidavit stating these violations, a exhibit, and a final notice. I just want them to respect my consumer rights and the federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been paying navient for a little more that two years now and my payments just seem to go up. they started at around XXXX for three private student loans and are now around XXXX this is not a significant increase but when I 'm struggling to pay in the first place this makes a difference. i tried talking to them and they told me there was nothing they could do to lower it and the interest rates change so my payment does. I began to look into this more and came to realize that what i pay to my principle balance every month to three loans is around XXXX dollars and the other XXXX goes to interest alone. these loans total to around XXXX dollars. at this rate i will pay them off in about 90 years. this is ridiculous and when i discussed this with them they again said there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: EQUIFAX, INC.
State: GA
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: DISCOVER BANK
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was talking with XXXX XXXX for many months, we were gon na get married, get a house together, the whole being together, she needed money to get home and with the promise to pay it back in two weeks I wired {$10000.00} to an account in name of XXXX XXXX, I learned I was romance scammed, because I'm now XXXX  and she won't gove me my back, it's been 6 months. I have reported to all agencies that I know to report and nobody has gotten back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Keep Receiving calls from Diversified Consultants, two of the numbers calling from are : XXXX & XXXX. They are asking for XXXX XXXX. My name is XXXX XXXX. There is no XXXX that resides at my address. I 've told them 4+ times over the past month, but they continue to call and call. 

I do n't have any debt owed that is outstanding. XXXX is not a resident of this household. Please have them stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I entered into a consumer credit transaction with Regional Acceptance Corporation. I received a response from my CFPB complaint from that this account has been placed in cease and desist and it had my auto contract and monthly payments attached. After investigating my auto contract, I noticed there is a finance charge. Pursuant to 15 USC 1605, a finance charge shall be determined as the sum of all charges. Also, pursuant to 15 USC 1605 ( b ), my auto insurance should be included in the finance charge, I was also never informed of my right to rescission as well pursuant to 15 USC 1635. According to 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ), I am owed double the finance charge. According 15 USC 1611 ( 3 ), I am owed {$5000.00}. According to 15 USC 1635, I am also owed any earnest money or down payment I used during this consumer credit transaction.

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 2019-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On XX/XX/XXXX I sent trans union all the proper documents that i was to told to send to show that these accounts are fraud.

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 2019-06-25
Company: Figure Technologies, Inc
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Applied for a home equity loan with Figure, an on line lender. They did not tell me I needed flood insurance before they funded the loan into my account. I had sent them a copy of my home owners insurance as requested and at that point they said maybe I would need flood insurance. I got the email this morning saying my loan was in the process of being funded and that I would need flood insurance. When I checked my account I found the money already there. I called their customer service number XXXX and spoke with an XXXX and she said it was probably not a problem that it was a form letter. However she checked on it and came back to me and said that we did require flood insurance. She referred me to her supervisor XXXX. I asked him to take back the funding he said they could not do that since the three day recession period had passed but I was not informed during that period that I definitely needed the flood insurance. Had they informed me that I needed flood insurance when I sent them my homeowners insurance, I never would have taken the loan. I feel that their business practices are very misleading and shady. Now I'm told my only option is getting the flood insurance or paying off the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief