BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX improperly and fraudulently accessed my credit report during discussions of purchasing a vehicle. I did not authorize a hard pull from their dealership or finance department. I stressed repeatedly that the only financial institution was authorized to pull my credit report was XXXX XXXX XXXX XXXX. XXXX XXXX disregarded my wishes and refuses to remove the inquiry.

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 2018-04-20
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX we applied for a mortgage with Wells Fargo Mortgage while not needing funding until house completion scheduled for six months later but wanted to lock in a good rate fearing an increase while waiting. Wells Fargo recommended 'XXXX XXXX ' which called for a minimum loan amount of {$400000.00}. and payment of an upfront fee of 1.25 % ( {$4200.00}. ) to lock rate for up to 12 months. The only stated reasons for a refund of this fee were failure to qualify or failure to appraise. We paid the fee, qualified for the loan, and the unbuilt house appraised but in XX/XX/XXXX the contractor decided to cancel construction and refunded our deposit. Wells Fargo Mortgage considered our request for a refund of {$4200.00}. for many months ( until XX/XX/XXXX ) and then informed us that no refund would be approved saying that our money had gone to a third party to purchase rate protection and could not be recouped from said third party.

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 2020-05-27
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
I work at a XXXX XXXX and I have been looking for a second car. Simultaneously my boyfriend was also looking for a car. I originally applied for a XXXX XXXX but I wasn't sure so I held on and he applied for a XXXX. He qualified on his own with his full time job but as he does XXXX XXXX  for my XXXX  I wanted to include that as supplemental income, the deal was rejected because the internal documents that we submitted to prove his supplemental income were rejected unfairly. The lender had us re-apply with only his full time job and then denied it on the same basis using the second application as proof of the fraud, which was their fault in the first place and the loan should have never been rejected. He decided to buy a different vehicle because of the mistreatment from Westlake and I decided to buy the XXXX because we had already paid for it and ordered the title and the business was out of that money, so I decided to take in on because I like the car. Even though I'm putting more than half down it's being rejected as a " straw purchase '' as if I'm buying it for my boyfriend, who is now just a friend and I am no longer in a relationship with. It is not a straw purchase. Westlake Financial is able to charge high interest because they hire bottom of the barrel people to give first time and second chance loans, unfortunately this means that mistakes are made and they are making mistakes over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Financial Credit Service, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XX/XX/2018 To whom it may concern : This is in reference to a company by the name of ARA , Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, allegedly representing XXXX XXXX XXXX. XXXX is now owned by XXXX whom I contacted immediately. There is absolutely no account in my name or my deceased husband of 25 years, be it current or delinquent. ARA is attempting to collect a non-existent debt of {$8600.00} which they are willing to settle for {$1000.00}. They have communicated with me first by telephone, and then by mail. I have explained to them that this account and the charges associated with it are erroneous. They continued to call and harass me. Therefore, I have reported this to my local police department, the US Attorney General 's Office and now your office. 

Thank you for your consideration in this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My name is XXXX XXXX and my bank Chime closed my account on XX/XX/XXXX. I was told there was a hold placed on XX/XX/XXXX. I sent all documents needed and waited patiently. After they closed my account they didn't tell me why or accept my calls everytime I called. They said I had to contact them via email to there support line. I have reached out via email for the last 2 months and only received automated responses. I've had to sell stock and other assets to make ends meet during this closure. They have sent me XXXX dollars that was in my credit builder account but nothing else. I had XXXX $ in my checking and XXXX $ in my savings.i feel robbed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: LoanCare, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My homeowners insurance was not paid by my escrow reserve account which is owned and administered by LOANCARE/XXXX. In conversations with LOANCARE/XXXX employees over the past couple of days. I learned that these companies did not do due diligence in paying my homeowners insurance for the mortgage of my family 's home despite having agreed to do so since agreeing to manage my mortgage and escrow account. The actions or inactions of either LOANCARE/XXXX  has resulted in the cancelation of my homeowners Insurance policy by XXXX XXXX. The truth of this situation was discovered by sheer accident not by the company but rather due to mortgage refinance that I initiated. In talking to employees at both LOANCARE/XXXX and XXXX I have been given contradictory information why and how this error occurred.

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 2021-01-22
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Well, I believe happened a big mistake and I became a real victim of identity theft. I kindly ask you to help me because of I do not recognize these accounts. I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XX/XX/2020 applied for covid relief with Ally Auto financial and was granted a 60 day period that would be applied to the end of my auto loan. Paid XXXX and XXXX payments but they are telling me there is a {$530.00} past due balance of interest for the deferral period which they will not move to end of loan like covid relief agreement stated. I am still unemployed at this time and they refuse to grant me any additional deferrals until I pay this past due interest balance. I did good to pay the car payments for two months since they refused to grant any future extensions.

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 2017-12-10
Company: World Omni Financial Corp.
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 was shocked when I reviewed my credit report and found late payment. 

30 days late as of XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/2021 I submitted a dispute to the 3 credit bureaus. They have yet to respond to my complaint. I need in written if they were able to verify the accurate of the accounts in my dispute. I need to know the following informations. 

How did you verify these inaccurate accounts? 

Did you talk to the court and if you did who did you talk with at the court? 

Were you required to pay a fee to obtain the bankruptcy papers? 

Can you provide me with the contact number and name of the person you talked to?

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 2020-12-09
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Hello I went to apply for a loan to help my mom out during this pandemic and I was denied. I have bank with this bank since I was XXXX and have the score the get the loan. Even my banker was confused because I have an auto loan with them and a home loan. I went and took a look at my credit and see so many accounts on there that are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these accounts and inquiries from my credit that are not mine XXXX XXXX XXXX. XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. The inquiries that are not mine are XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX   US SM BUS ADMIN 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 2017-12-16
Company: EQUIFAX, 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 had several accounts with XXXX XXXX when I filed for bankruptcy. Instead of XXXX reporting the accounts as included in the bankruptcy, they are reporting them as sent to collections. These accounts had never even been listed as 30 days late prior to my bankruptcy because they were current. They are not only reporting the accounts that were open at the time of the bankruptcy as sent to collections, but they have also taken accounts that had been paid and closed long before the bankruptcy was filed and are claiming the same with them as well instead of reporting them as closed at the consumer 's request and paid, never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 disputed the bankruptcy that is reporting on my credit report to all bureaus and their claim is that the bankruptcy was verified. I sent a letter to the bankruptcy clerk to ask the reporting guidelines and they responded that the courts don't report to the credit bureaus. So with that being said, the credit bureaus is falsely reporting a bankruptcy on my credit report and that is against FCRA Section 611 Subsection 5a

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 2019-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE CONTACTED THIS BUREAU 4 TIMES IN THE LAST 6 MONTHS REGARDING AN ACCOUNT FROM XXXX XXXX ON MY REPORT THAT DOES NOT BELONG TO ME. I HAVE SENT DISPUTE AFTER DISPUTE IN THE LAST 6 MONTHS AND RECEIVED NO RESULTS IN THE MIAL OR ONLINE OR OVER THE PHONE. THEY ARE STILL REPORTING AN ACCOUNT THAT IS NOT MINE AND IT IS AFFECTING ME FROM OBTAINING CREDIT.

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 2023-02-27
Company: Experian Information Solutions 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-20
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On my credit report I noticed 2 delinquent, and then derogatory, credit card accounts for 2 different Best Buy stores in IL and SD. I live in Colorado and have never shopped at a Best Buy. The cards were issued by CBNA.

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 2019-02-27
Company: EQUIFAX, INC.
State: TN
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:
Equifax is incorrectly reporting 120 days past due on XXXX - partial account number XXXX. This account has a {$0.00} balance and {$0.00} past due. It is impossible to be 120 days late on a loan that has a {$0.00} balance due. This error is having a negative impact on my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: NJ
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 noticed a XXXX Department of ED on my Credit Report in which I am not familiar with

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2020, PayPal unlawfully with no reason given put a 180 day hold on my account. At this time I was in dire need of my funds but was told that there was nothing I could do. After hundreds of calls over the next few months I was told I had to wait until the 180 day time frame was up and at that time my funds will be available to be withdrawn from the account. So what could I do I waited the very long period of time 6 months!! Putting me and my family in a horrible position! Well after the 6 months passed I received a notification via email ( in which is posted below via attachment ) that my funds are available to be withdrawn only to log in and find out that I can not and the error is still consistently happening I spoke with PayPal and they said I have to continue to wait with no given time frame or date on when Ill have my money. I have already once fully verified my account sending in my id and bank account statements along with Additional information there in no reason for PayPal to be holding my funds at this time. Please assist this isnt right

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On or around XXXX, XXXX, I applied and was granted a XXXX credit limit with American Express and transferred another credit card balance less than XXXX. Since then, I have made the minimum payment plus interest each month as indicated on my account. 
On or around XXXX XXXX, I forgot to make my monthly payment to American Express and have was fined a late fee of {$38.00} thus making my payment due immediately of {$62.00}. On XXXX XXXX, I received a phone call from a CSR from American Express to remind me of my payment due, to which I agreed to pay once I arrived home. Upon logging in to make the payment I noticed my credit limit decreased tremendously from XXXX to XXXX. I then called American Express to obtain verification to the change in credit limit and was informed that the change was not set in stone and that I can appeal to reverse the changes. The CSR rep was confused as to why my credit limit was decreased quoting that " he has seen other accounts in way worse condition, and should not have happened and the reasons they gave are questionable ''. I was then transferred to the Responsible Lending Department. Apparently, the Responsible Lending Department issued a change due to the FICO credit ( XXXX ) and the payment each month to balance were to high. I owe {$2200.00} which does not reflect the monthly payment made of {$62.00} that includes the {$38.00} late fee. After speaking with the Responsible Lending Department representative, he informed me that my option are to pay {$1100.00} between XXXX XXXX and XXXX XXXX and it would be best to use the card more often. According to my math, this is means paying appx {$340.00} per month. The Responsible Lending Department representative reported that my options are to make the payments or complete the document option which requires going over my financials. I am puzzled at their tactics in attempt to bully me into making a {$340.00} payment when the monthly payment amount does not reflect what the Responsible Lending Department representative stated is within their policy. I asked the Responsible Lending Department representative about the appeal/reverse option to which he stated the two options mentioned were the only ways to reverse my credit limit decrease. If I had known that not maxing out my American Express card would result in them bullying me and holding my credit limit for ransom I would have sought out other prestigious credit cards elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Io, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt. I attempted to contact original debtor ( XXXX XXXX ) but was informed that I needed to resolve this issue with the debt collection agency. I contacted the agency and was advised to complete a dispute.

Company response to consumer: Closed with explanation