BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-05
Company: FORD MOTOR CREDIT CO.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls are everyday -today ( Thursday ) at XXXX, yesterday Wednesday at XXXX, Tuesday XXXX -- it just never stops. I told them ( XXXX XXXX XXXXy ) to stop calling me. My case is in litigation because I purchased a lemon. I let them know the {$200.00} would most likely be solved then. They just never stop. The company sent me a payment for my " Troubles '' they sent it XXXX late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
TransUnion has been reporting inaccurate accounts on my consumer report XXXX XXXX XXXX ( I sent a letter in from the manager about this account isn't suppose to be on my report ). XXXX XXXX, XXXX, XXXX XXXX XXXX. TransUnion has admitted that they have received all of the documentation but has yet to remove these accounts from my consumer file. I have enclosed a copy of my FTC report as well

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 2023-08-02
Company: CITIZENS FINANCIAL GROUP, 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 received emails with personal loan offers that clearly stipulated that finding out my " rates '' WILL NOT affect my credit score as it won't be a hard inquiry. If I decide to go through with the application and select a loan product, then that's when the hard inquiry will occur. Well come to find out, they accessed my credit report ( hard inquiry ) without my concern, especially since I didn't select any of their personal loan offers given the sky high interest rates. I'm shocked to find that they have pulled my credit, and used it in ways I NEVER consented to. This includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CITIZENS BANKXXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: CITIBANK, N.A.
State: MA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am writing about a problem that I have had with getting Citibank to pay out a refund of {$2300.00} for a fraudulent charge made on my elderly mother 's credit card back on XX/XX/2022. Note that I have power of attorney for my mother 's account. Citibank has agreed that the charge was fraudulent and to pay the refund. However, they have stil not paid the refund as of XX/XX/XXXX. Each time I call them, they have indicated they have closed the issue, but, when questioned, agree that they have not paid the refund and reopen the issue, only to close it again without paying. The frustration is compounded by the fact that the fraudulent charge was allowed by Citibank despite the account already having been locked due to prior fraudulent charges that we noticed. This appears to be an error with Citibank 's fraud handling system. The system is designed so that recurring charges ( e.g. monthly membership fees ) can still be posted by vendors even if the account is locked, but the system makes mistakes and sometimes allows repeat fraudulent charges to be posted even if the account was locked from a prior report of fraudluent use of the credit card.

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 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In recently looking at my credit profile, I noticed there were inquiries on my report that was not done by me. Either the inquiries are fraudulent or attached to the wrong credit file. 

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 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 explanation
Consumer complaint received 2023-03-26
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:
4 hard inquiries have appeared on my credit report that I do not recognize and I believe are fraudulent. Two of : XXXX XXXX XXXX XXXXXXXX of : XXXXXXXX XXXX, and another of : XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Fraudulent charges were made to the following accounts. The statue allows for multiple reinvestigation. 

Account name XXXX  XXXX XXXX XXXX XXXX Account number Last XXXX XXXX The following inquiries are fraudulent. 

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 2023-07-29
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX  said I opened the credit card in 2017 at first I didn't remember it was so long ago but I have to consulting with my attorney we have determined it was fraud police were contacted also I contacted XXXX XXXX they said it was sold to XXXX XXXX XXXX XXXX I disputed both agencies because XXXX XXXX still reporting on my credit report so if it was sold why is it still reporting on my credit report also it is fraud I don't remember taking this credit card it is almost XXXX years old plus the balance is more than the credit card itself please fix this issue this is stopping me and my wife and my family from getting our home our first home I am XXXX it's hard for me and it's stressing me out the company is XXXX XXXX XXXX it is reporting twice on my credit report they are charging me twice XXXX XXXX XXXX is and also XXXX XXXX XXXX XXXX is charging for this fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We tried to payoff the account and were told there was no account yet there is a lean on the property. We have been trying for almost three weeks to close escrow yet Citibank wo n't respond to requests for payoff.

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 2023-07-29
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
Description of the problem : I have recently discovered that certain negative accounts that were legitimately removed from my credit report after a successful dispute have been re-reported by XXXX. 

Actions previously taken : I would like to point out that these accounts were previously disputed and removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Impact on my financial situation : The inclusion of this incorrect information on my credit report has had a significant negative impact on my ability to obtain favorable credit and loans. This has also affected my credit rating and consequently my opportunities to access essential financial products.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: SOUTHWEST FUNDING, LP
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Applied for a loan with Southwest Funding, a loan broker in XXXX, TX. The loan was quoted verbally on XXXX/XXXX/15 by XXXX XXXX as 3.25 % with total fees of {$1800.00} to be paid. This loan was XXXX option on the original GFE issued by XXXX XXXX, although the {$1800.00} in fees was higher than on the GFE. XXXX issued several subsequent GFE 's, each XXXX incorrect. As of the day of verbally being advised of loan approval, a correct GFE had not been received, however, we continued to proceed in good faith. A correct GFE was never received prior to closing. The final, incorrect, GFE, arrived via XXXX on XXXX/XXXX/15, the day of closing. Despite being advised of loan approval on Friday, XXXX XXXX and requesting both the corrected GFE and HUD statements several times between that date and our scheduled closing of XXXX/XXXX/15, they were not received in a timely manner. On XXXX/XXXX/15, the business day prior to closing, the HUD statement was received late afternoon. Upon review it was noted that again, the loan numbers were incorrect. There were origination charges and fees totaling {$4100.00}, or {$2300.00} more than quoted. A call to XXXX XXXX of Southwest Funding the morning of XXXX advised of the error and a correction requested. After reviewing with the loan processor, XXXX XXXX advised that the numbers were correct and that there were origination charges tied to this particular loan, which was not as she had verbally represented, or as had been stated on the original GFE. She also advised that we could change to another loan, but that would take a minimum of 3 days to process. As the closing was out of state and had already been delayed once, my husband and I would have to find another time to travel, incur additional expense, etc., we decided to go ahead with the closing even though the figures were incorrect and the loan was not the one that had been promised. 
Southwest Funding did refund {$470.00} which was the cost of the appraisal on the property, however, even with this refund, charges incurred were {$1800.00} more than originally quoted by Southwest Funding. 
Complaints : XXXX 's agent, XXXX XXXX did not provide the loan that was quoted, nor did she follow up with the actual lender to provide documentation in a timely manner, despite numerous requests for this documentation. 
XXXX XXXX did not provide the GFE on the loan that was purchased until the date of closing, at which point it was too late to make any corrections for their errors. 
An aside, XXXX advised that information from XXXX was sent via XXXX and e-mail, however, no e-mail was ever received from XXXX XXXX. 
I believe that both of these issues are unethical practices.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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 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 2023-06-05
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:
Dear Equifax, I am writing to request that the following accounts be removed from my credit profile : XXXX XXXX XXXX and Medical Collection. XXXX XXXX XXXX XXXX It has been more than 45 days since I first contacted you regarding these accounts, and they are still appearing on my credit report. 
I mentioned I was in a Data Breach Previously & also placed a security freeze on my account fraud alert. 
I updated personal information as such XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX providing my Address and as well as License for Proof of address and still theres things lingering on my account that clearly is no prove to have no connection or accurate proof to me in no way. 
I would appreciate it if you could remove these accounts as soon as possible and update my credit report accordingly. It is NOT MINE and defamation to me, due to the FCRA is also against the consumer law. This has been hindering me tremendously for far too long now. 
I WANT THIS GONE NOW so I can live my life without any financial hardship and anymore due to the negligence of the Equifax Credit Agency I am stuck in a dark place where I cant even obtain credit to help me in my dyer situations and that alone is not FAIR as a Honest and victimized individual. 
Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: AMERICAN EXPRESS COMPANY
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered items from a wholesaler, XXXX XXXX XXXX XXXX XXXX XXXX  worth {$4900.00} and {$700.00} respectively. The seller did not accept direct credit card payments and so I process the payment of my American express card through a payment processor, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 

The seller never shipped the items and did not honor a request for refund. After an internet search I discovered the seller, XXXX XXXX XXXX, operates in such a manner where they collect payment and do not honor orders from customers. I reported this issue to both the payment processor, XXXX XXXX and my credit card provider American Express. However, non of them was able to protect me and I was left to carry the entire burden and risk. 

Complaints from other customers regarding the wholesaler : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Ocwen Financial Corporation
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
After needing my roof replaced, XXXX a claim was submitted to my insurance XXXX  They settled the claim & all funds were disbursed to the contractor in full. 
There was, however a small amount of damage to interior bedrooms.XXXX sent money to cover repairing this damage to the mortgage co. PHH . Initially, I was to have a contractor repair this damage, after the roof was replaced, however he became ill & could not do this work. 
At this time I proceeded to repair all the damaged rooms myself, & informed PHH once it was completed so that they could have it inspected before releasing the remaining funds. They requested a document from the contractor explaining why he was unable to do the work. On multiple occasions I faxed PHH this information & was told the funds would be sent to me. 
After calling multiple times, I was told by different people in the resolution team that it was cleared for payment, after the management team okd it. I have spent many hours on the phone trying know what they need to finalize this matter but can not receive a return call All funds have been disbursed since end of XXXX & I need to finalize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I was sent a check to deposit and cash through my checking account at Wells Fargo Bank. The person I was cashing the check for stated that this woman made a purchase and owed him the money. But because he was out of the county he could not cash check. He said he had the owner of the check make it to me so I in turn could send the money to him. The check apparently was not sent by the owner of said account. This resulted in me being accused of fraud. At this time I am not allowed to open any checking accounts because of this. I got scammed. I even spoke to the owner of the check and told her what happened. She said she does not blame me. What action do I need to take to fix this problem?

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 2021-06-16
Company: EQUIFAX, INC.
State: IA
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:
My Equifax credit score dropped 40 points and I m in the middle of refinancing.I have a equity line with XXXX bank and I have paid them since I took it out.For the month of XXXX and XXXX it was paid past the due date however I did talk to XXXX XXXX First Vice President, Loss Mitigation Lending Compliance NMLS ID # XXXX and let him know there was some financial issues I was going through.I understand about the recent payments but i have done my very best to have it current despite the pandemic cutting our income by half.I talked to XXXX bank about it.I haven't even elected to defer or skip mortgages and paying every month.I need XXXX bank to send Equifax information showing that the payment is paid and the account is in current status otherwise I will not be able to refinance because of the derogatory remarks.I contacted them directly and no one even knew what I was talking about instead I got a statement from XXXX XXXXVice President, Branch Manager Direct XXXX showing a payment history.This account has been open since XX/XX/2017. 
Im not past due, I havent failed to pay a single payment, Im not in default I dont understand.I have contacted Equifax they need that information from hills bank showing its current for them to update the score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Lending Club Corp
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have a loan with lending club. First off, you should take a look at their banking info process ( adding my account ) It requires autopay and they have ( 2 times ) accepted my one time authorization over the phone and then fraudentently enrolled me in auto pay, resulting in OD fees with my bank. 

After I was 3 weeks late on a payment they " outsourced '' the loan and said I can not pay partial, only full payment to them. I called the outsourcing company who said they'd authorize a partial payment, it's been an entire week additional that they haven't drafted the funds, which now makes me worry that I am being reported without given the proper opportunity to reconcile the late payments as I'm a student working nights. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  agreed to a pay to delete. The XXXX account is still reporting as a charge-off/ collection and paid for less than agreed. The same account is reporting multiple times on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-01
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
equifax totaly messed up my vredit now repotying a 60 60 90 90 120 fays late on my reprt which is totally wrong switch it back

Company response to consumer: Closed with explanation