BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
After submitting a police report and FTC Identity theft report the credit bureaus still have violated federal and state consumer protection laws and haven't removed the fraudulent accounts as of yet.

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 2019-07-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
In XXXX, I was a victim of Identity Theft. The perpetrator was somehow able to open an account with XXXX XXXX XXXX and was approved for a credit card that he then used at a local XXXX XXXX to purchase {$3100.00} worth of product. Once I learned of the identity theft I froze my credit, put out a fraud alert as well as reported to identitytheft.gov as well as reported to the local authorities. I called XXXX to let them know that the account that was opened under my name was a fraudulent account and they assured me that it would be closed immediately and I would not owe anything on it. They sent me a letter stating the closer of this account as well as an affidavit to fill out to assist them in going after the person who opened it. I filled out this affidavit and sent it through the mail as well as sent it through their email address XXXX. This affidavit included case numbers as well as a copy of my actual ID. 

However, I recently received a letter in the mail stating I owed on the closed account. I called them on Wednesday XX/XX/XXXX and asked why I received the letter and the lady could not tell me why. She said I would be removed from the collections queue. Today, XX/XX/2019 I got an alert that XXXX has sent a delinquent alert to Experian and it has been posted on my credit. At this point I feel I have to escalate this situation because XXXX, who assisted in an Identity Theft crime, is now turning to the victim to collect.

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 2020-05-06
Company: LD Holdings Group, LLC
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was referred to XXXX XXXX @ loanDepot On XXXX I applied for a loan with loanDepot because I XXXX told me he could lock my rate in at 2.875 %. I e-signed all documents and sent in required documents for underwriting. I received a commitment letter on XX/XX/XXXX from XXXX XXXX. XXXX XXXX called me on XX/XX/XXXX to let me know he was leaving the company and that XXXX XXXX ( processor ) & XXXX XXXX ( manager ) would be assisting me to closing. Then I received another XXXX to e-sign changing the the loan terms to a 30 fixed with a higher interest rate of 3.25 with {$11000.00} in points NOT WHAT I SIGNED UP FOR. I was told the product wasn't available due to the economic crisis caused by the corona virus. I feel this a bat & Switch and would like help getting what was promised to me in the commitment letter I received.I asking XXXX XXXX how they could lock my rate in & give me an approval letter & then change their minds after I gave them everything they requested and paid for appraisal. He said he would get me the 2.875 % on the XX/XX/XXXX arm but needed just few more item on the XXXX of XXXX. I had to pay my accountant to get the last items he said they needed to get my loan closed. I got him everything the next day Friday XX/XX/XXXX. On Monday of XX/XX/XXXX he sent an e-mail stating he's been beat up enough on my loan and wasn't going to do it but having said that he found someone that could. He wanted to e-mail all my income and asset documents to some guy at another bank. I said no and asked XXXX XXXX to help me at his new company. 

I have done many mortgages and business transactions and have never been treated so unprofessionally. No return call lies & failure to follow the practices required to be a loan office with regards to issuing proper notices handling of my personal document. 

He's actions cost me around {$5000.00} so I did ask him to reimburse me he as yet to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was trying to get a loan and they claimed I had to by gift cards with money they deposited to raise my credit score. Now the bank is making ME repay almost XXXX dollars they deposited into my account to buy cards from target. Now Wells Fargo has frozen my bank 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 2022-12-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2020-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are 8 late payments on my credit from XXXX XXXX XXXX regarding my payments. I ask for payments extension becouse i have a family emergencies and I have to pay other loans so they dont go to collection. Some payments there were revarse of froud in bank. The payments are from XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. Please help me fix this errors from my credit reports and have XXXX XXXX XXXX correct this mistakes. My name is XXXX XXXX account number 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 2021-01-24
Company: EQUIFAX, 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 saw inquiries on my credit report that i don't recognize, i sent mail to the three credit bureau on XX/XX/2020, to fix the problem. 
XX/XX/XXXX still didn't answer back to me. 
Equifax and XXXX  answer back telling that nothing was wrong the inquiries but was able to show me the prove that I initiate the inquiries. 
No documents, no email, nothing!!! 
this situation cause me prejudice, i try to buy a house and all these false inquiries on my credit report make my credit score drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The company is reporting adverse information to the credit reporting agencies ( Equifax, XXXX, XXXX  & XXXX. I send the company a dispute letter asking for proof of the adverse information they are reporting to the credit bureaus. The company provided a generic letter stating they are not able to change the delinquent ratings reported to the credit bureaus. The company did not provide any proof for the adverse information that they are reporting. I have disputed this issue several times with the credit reporting agencies ; and they claim they verified the information as accurate. The credit reporting agencies is verifying the information through there XXXX system with a code ( a electronic third party data base ) and not doing a reasonable investigation as stated in the Fair Credit Reporting Act. The company is responding to the credit reporting agencies with an XXXX code. The credit reporting agencies can not verified 100 percent of the information as accurate without any documentation or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: SYNCHRONY FINANCIAL
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My XXXX checking accounts are restricted. I have not received any information from the bank. When I contact the bank, they tell me they can not give me any information. My account la have been restricted since XX/XX/2020.

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 2020-07-22
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I currently have a mortgage with XXXX XXXX XXXX PHH Bank ). Two months ago my monthly mortgage payment was decreased because I was overpaying towards the escrow. My account is set up with flex pay in where my mortgagee payments are withdrawn from my account twice a month. PHH bank for the last two month has been charging my mortgage twice. They have charged my account twice for the flex pay and in addition charged the full monthly payment on the XXXX of the month. This has caused me to pay over {$100.00} in overdraft fee 's in my personal checking account and to date I've made XXXX calls to PHH and no one has been able to resolve my issue. I've been dealing with this stress for the past two month with no resolution. 

Now when I call I get told by the escalation department that one of the supervisors has my case open and they will send her a message to call me back. She should be calling my within 24-48hrs. We are now at 72hrs and I still haven't received a call back. 

Currently, my mortgage account states that I have a late payment which is not the case. In addition, I've received emails and letters from PHH stating that my account is over due and that they will be charging me a late fee and in addition a return payment fee because one of the payments was returned. I've never paid my mortgage late and/or missed a payment. 

I went to XXXX XXXX in person to see if anyone can assist me and was informed that the mortgages are handled by PHH and there is nothing they can do for me. 

I don't understand on how technology is so advanced now a days it has taken 2 months to fix the auto deduction on my account and difficult for me to find someone that can help. Everyone I speak to blames the other person and passes the buck. 

These past two month has been extremely overwhelming and stressful in trying to get this issue resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My ex wife opened a credit card on line with my name and used the XXXX credit XXXX did not tell me until we got divorced. XXXX she used my checks to pay the credit bill so bank is telling me its my problem I need to have e removed it is causing a lot of problem for me. Its still with XXXX bank not a collection agency. XXXX account was over XXXX XXXX XXXX. Should be deleted. Hope u can help Resolving this major problem I m having. Tyx in advance.

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 2018-04-18
Company: DISCOVER BANK
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I would like to file a formal complaint on how discover student loans has handled a payment on my account. On XX/XX/XXXX, I schedule a one-time payment of {$12000.00} to pay off my outstanding student loan through the DiscoverStudentLoans.com website and my log in. As of XX/XX/XXXX, the payment was pulled from my XXXX  Bank Account ending in XXXX and on XX/XX/XXXX I received confirmation from Discover that the payment in the correct amount was being applied to my loan. As of XX/XX/XXXX, the payment has yet to be applied. I have contacted via the phone and their message center multiple times each but keep getting asked to send in more documentation. They have not been diligent on follow-up of this matter. As a lender, this is unacceptable that any payment not be applied immediately to the account in which is was sent for. This makes we question whether all of my previous payments were applied accurately over the lifetime of this loan. I have attached my bank statement showing the payment, the confirmation letter, and screenshots of my online account where the payment has not been applied as of today. I am also sure that is was noted elsewhere that in XX/XX/XXXX Discover took incorrect payment amounts from what sounded like thousands of customers from the letter they sent out after having to reverse and re-withdraw XX/XX/XXXXpayments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have had a credit card with XXXX XXXX for approximately XXXX years. During which time, I have been having difficulty receiving the card in the mail. The card would be lost in the mail, and fraudulent charges made. 

XXXX would often take weeks to resolve this, and send numerous e-mails with conflicting information. Today, I notice XXXX took back a {$220.00} credit for XXXX of these fraudulent charges saying the merchant showed " information ''. Clearly, my card was stolen and used and thus, the merchant would have information about some purchase, which is not a surprise. I have not ordered nor received anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I previously opened a compliant on XXXX/XXXX/23 which XXXX, XXXX, and TransUnion did investigation and said the accounts were verified and accurate. 

XXXX XXXX # XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting may make any of the following items of information Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS. 15.U.S.C 1681 SECTION 602A- STATES THAT I HAVE A RIGHT TO PRIVACY. 15.U.S.C 1681 SECTION 604A SECTION 2 - IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021, I deposited my stimulus check into my checking account. The machine took my check and did not credit it to my account. Instead I received a receipt with a number to contact customer service. I called and a claim was filed and I was told the error would be resolved in 12 hours. Subsequently, I called the next morning as 12 hours had passed and was now told it would be 1-2 business days. The next day I receive a text message and notice in my mobile account requesting additional information. Therefore, I sent a copy of the receipt. I called back and now Im told it will take 10 days. Im appalled that in XX/XX/2021 it would take this long to resolve this issue. Undoubtedly we are referring to a check from the US government and it would take way longer to request another payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going Im not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks now but I just remembered I could report on here aw I feel they are not doing their job properly and it is XXXX me a grey deal as I used for talent quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation