BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX financed our XXXX XXXX XXXX, in XX/XX/XXXX, I called XXXX and spoke with a representative to ask for assistance because my payment was late. The female representative noted my account and told me as long as I made the payment I did not have to worry about repossession of the vehicle. However, on approximately XX/XX/XXXX, my husband contacted XXXX XXXX XXXX to request a payoff of the XXXX XXXX XXXX, because he was attempting to trade the vehicle in for a vehicle with a more affordable payment. The man representative he spoke with, began telling my husband he needed to make a payment first. My husband explained he was not able to make a payment at the time, however I was going to make one. The representative still would not tell my husband the payoff amount. My husband then explained that he was trying to trade the vehicle in for another vehicle, which is why he was requesting the pay off amount, therefore the vehicle would be paid off in full. The representative and my husband exchanged words, however the representative never provided the vehicle payoff, he stated he would email it to my husband, which he did not do. He instead made a note in the account that my husband refused to make a payment and stated that my husband wanted the vehicle picked up, because we were purchasing a new one. My husband never stated that, however several days later our vehicle was repossed. I requested to speak with a supervisor immediately and requested the telephone call be reviewed because my husband had made no such request. The representative was simply upset because my husband could not make a payment while speaking with him, so he utilized his position to be vindictive and create unnecessary expenses to our family while we were already struggling. I never heard anything from my complaint or request to have the telephone call reviewed. To make matters worse I recently discovered XXXX placed a repossession on both my husband and my credit, which will affect us in a negative manner in more ways than one for years. Most XXXX representatives are professional and helpful, however some of them are abusive and utilize unfair tactics against loyal customers. The representatives always state the call is being monitored, however when they are being unprofessional the call can never be located.

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 2023-01-18
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Citibank-Bestbuy is not allowing me to apply payments to the balances with higher interest rates. The company applied my payment of {$300.00} to promotional balances with 0 % due to expire on XXXX XXXX, XXXX versus the revolving balance with 25.24 % interest due to start charging on XXXX XXXX, XXXX. I called the company on XX/XX/XXXX at XXXX XXXX and spoke with XXXX and asked that my {$300.00} payment above the minimum due be applied to the revolving amount so as not to incur interest charges that are set to start on XX/XX/XXXX. I told them I was aware of my promotional balance offer due to expire on XX/XX/XXXX and would be paying that balance off prior to the date since I still had several weeks. They refused to apply the amount to the revolving and said that any additional amounts sent in would be applied first to the expiring balance before the revolving balance. Those actions by the company forces me to pay off my promotional 0 % interest balance weeks before it is set to expire to have any additional payments be applied to my revolving 25.24 % interst balance. The company will be charging me interest beginning on XX/XX/XXXX on my revolving balance and still be applying my payments to the promotional balance that is still in effect till XX/XX/XXXX. To avoid interest charged on my revolving account, I have to first pay over {$1000.00} to apply towatds my promotional balance before XX/XX/XXXX and then pay the nearly {$300.00} of the revolving balance. My revolving balance is near {$300.00} and that is set to incur interest on XX/XX/XXXX yet I will have to pay near {$1300.00} by XX/XX/XXXX in order for that revolving not to incur interest. This will also force me to pay off my promotion balance by XX/XX/XXXX when that is not due till XX/XX/XXXX, nearly three additional weeks.

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 2019-08-10
Company: EQUIFAX, INC.
State: SC
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:
Companies : Eqifax, XXXX & XXXX. These companies continue to list old debts of mine that should NO longer appear on my credit reports due to their age. 

This has made my reports look much worse than they really are ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: EQUIFAX, INC.
State: TX
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:
These inquiries below are not mines. Some of these inquiries were deleted and reappered more than a year later. 




Inquiry details XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX  XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX   XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX   XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX   XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXXXXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXXXXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX XXXX Banks XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg.  Agencies XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
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: Their investigation did not fix an error on your report

Complaint:
These two accounts are wrong as stated below. 

Account more than 7 years old. Account is also not mines. 
XXXX XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$1000.00} Closed Account was issued a XXXX Should be XXXX balance. 
XXXX XXXX XXXX Closed : XX/XX/XXXX {$31000.00} Closed

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 2023-01-11
Company: TRUIST FINANCIAL CORPORATION
State: PA
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 tried explaining that the company gave out false information. I called XX/XX/XXXX ask my entire balance to pay to a XXXX balance. I paid the amount given. Later they added interest and fees resulting in a new balance i was not aware of. I thought my balance was XXXX as informed by the company so i did not have anything to pay. They reported my account 30 days late hurting my credit score XXXX points. I explained that the letter received in XXXX failed to mention any dates at all and a description of charges or what the new balance was. This is unfair to me because i would not know by when my account would be considered 30 days late. I ask them to remove the late on my credit due to wrong information provided to me by the bank and their employees.

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 2018-10-24
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed on my mortgage on XX/XX/2018. The mortgage company is Freedom mortgage. I held the the mortgage for approximately 10 years and never had a late fee. I was told that since I did not send my XXXX payment in, due to closing that was scheduled for XX/XX/2018, and it was over 30 days, they had no choice but to report against my credit. It was one day over 30 days when the mortgage was paid in full. 
Freedom mortgage XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: BMW Financial Services NA, LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
There is a credit balance in the amount of XXXX on my BMW Financial Services account. This is due to an over-payment in the amount of XXXX which has been used for payments due until today, XX/XX/XXXX. I called today to request either a check or a credit off my next auto-payment due on XX/XX/XXXX in the amount of XXXX. The rep whom I do not have the name of, a woman, put me on hold then got back on the line and told me to adjust my next payment due in order to use credit. I requested a check and was again put on hold for an extended amount of time, she did not get back on the line. I hung up. She appeared to be new and or inept as she did not seem to know what shes doing, had to put me on hold each time I asked a question. I need a check for credit amount of XXXX. The original form of payment, a XXXX XXXX checking account, is no longer open and credits can not be issued to 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 2023-01-11
Company: Experian Information Solutions Inc.
State: PA
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 constantly check my credit report and noticed that there are false and misleading information on this account that didn't meet credit reporting standards of being 100 % correct. 

XXXX. XXXX - XX/XX/20 XXXX This has damaged me and held me back for some time. Im demanding Cfpb to enforce correction of these items with removal of this fraudulent account.

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 2019-05-31
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX bought home for XXXX. Taxes doubled from previous home owner. I paid back taxes. I refinanced in end of XXXX. I explained to individual who was performing refinance that my taxes were not right and he assured me they were. My payment for mortgage was at XXXX give air take a few dollars. Now in XXXX of this year I received a notice from caliber home loans that my taxes went up and I had a {$2700.00} escrow shortage and my payments were going to be XXXX now. Thats a {$400.00} difference a month. I explained to them I informed the individual performing the refinance in XXXX that my taxes were wrong and he assured me they were not. Now I have been late the last two payments and as of today late on the 3rd. They are unwilling to help me out in any way. They told me to call the VA about getting the loan modified but when I called the VA they said it is not there decision and to call caliber and have them try to help me. I have tried to get help with this since i got the notice but have been unsuccessful. I am the sole provider for my family and make under XXXX a year right now. I had no issues paying the XXXX a month but going up XXXX a month on a mistake by them I am struggling really bad. I have had to use a credit card to pay for certain things. My credit was up at XXXX XXXX right before the late payments and now it is at XXXX and probably going to drop below that because I will have to pay past 30 days again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-09
Company: Experian Information Solutions Inc.
State: MD
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:
due to covid 19 i pulled a copy of my credit report and notices accounts i did not open in my name.

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 2019-06-03
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
The exchange rate that Western Union ( WU ) quoted was very much different than the local rate where the money was picked up. I sent {$300.00} and WU paid out {$460.00} BAM ( XXXX XXXX BAM ). However, the local rate is XXXX BAM for XXXX XXXX Therefore, WU made XXXX BAM ( if sold at XXXX local rate ) which equals about XXXX XXXX plus {$7.00} fee. After all WU made about XXXX $ profit which is hefty 10 % on transaction. This is very unfair practice and I am not sure why/where is WU getting this exchange rates before sending the money. There are millions of customers who are getting scammed into this practice/pattern. For the same transaction, XXXX charges XXXX $ and the exchange rate is XXXXBAM for XXXX , which is the same as the local exchange rate. I understand that rates change daily, in minutes, and hours ; however, I think XXXX intentionally quotes the exchange rates very low in order to generate more profits. This is unfair and deceptive practice by which XXXX generates millions of dollars and tells consumer that they are charged only XXXX . 

Money Sent XX/XX/2019 - Picked Up XX/XX/2019 in XXXX. WU did not have reasonable explanation for a such huge difference between exchange rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: MD
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Filed with PA Attorney General Office who recommended I contact you. The letter I sent them is stated below : Time-line 1. Opened checking account with TD ( XXXX PA, XXXX branch ) on XX/XX/2018 with {$100.00} cash and was only informed that any check deposits would clear in 2 days with me able to receive up to {$100.00} of the deposit right away. 
2. First payroll check deposited on XX/XX/2018 3. Next weekend ( XXXX XXXX ) I was in XXXX XXXX, and I noticed " holds '' placed on my account for 10 days. 
4. On XX/XX/XXXX I went into the XXXX branch and spoke with " XXXX   '' she made me feel that it was my employer 's bank that was holding my funds, my employer investigated it and stated with proof that the funds were released from XXXX to TD on XX/XX/2018. 
5. I immediately returned to the TD XXXX branch and informed them of this and " XXXX '' stated that the XXXX branch does not have a " branch manager '' who could advocate my case, I said that is ridiculous and attempted to contact TD 's customer service and was told my account was " frozen ''. 
6. I then realized that bills I set up for payment from this account would bounce and incur " overdraft fees ''. 
7. I really felt helpless TD had my money holding it I believe on purpose just to incur " overdraft fees '' a breech in public trust. 
8. I contacted my branch and the TD web site number and was told that TD has the right to hold MY MONEY for 10 days when they see fit. Yet TD never informed me, If I knew that I would not have set up my bills to be paid. 
9. While contacting TD via the internet I came across many customer complaints and I wish I would have viewed prior to my opening a new account. 
I believe TD operates under false pretenses take a look at : http : //www.tdbank.com/XXXX  " Bank Human - If something matters to humans, it matters to us '' TD Bank . Really, I don't think so ; something is definitely changing about the way TD operates. I am just a young guy who is trying to establish himself in this world and institutions that you trust your money need to be held accountable. 

Very Truly Yours, -- -- -- -- -- -- -- -- -- -- -- -- References : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and lots more if one has the time or resources that claim TD is not operating as expected regarding the public trust.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-23
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midwest Recovery Systems put something on my credit report for a payday loan I never took out. I received nothing in the mail and no attempt to contact me directly. It literally just showed up on my credit report this morning. There is no amount and no other information available. And after reaching out to the company itself, I still have not been given any credible information except that I would be able to pay over the phone with a credit card if I chose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: LEXISNEXIS
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: Reporting company used your report improperly

Complaint:
Ive disputed a XXXX XXXX XXXX XXXX XXXX  Reference number XXXX, XXXX with the credit bureaus XXXX, XXXX, and XXXX -Which one of them ( XXXX ) confirmed the public record was verified by the court. I asked XXXX to disclose their method of verification on the alleged bankruptcy they are reporting. They replied to me with the bankruptcy being verified. I then reached out to the courthouse and their correspondence to my letter was that they do not verify or validate information from consumers ' credit files. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation