BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Transunion has a very deceptive website that does not inform the customer that they will be charged {$29.00} for monitoring. I was simply trying to create an account so that I could lock my report. I was not informed about being charged for a service.

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 2021-11-08
Company: Freedom Mortgage Company
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Tried 3 times already -- my XXXX NOW SHOWS LATE MORTGAGE for 60 days late XX/XX/XXXX for Freedom Mortgage paid off in XXXX of 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 2021-11-08
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/XXXX Experian sent XXXX XXXX XXXX a hard inquiry credit report on me that was not requested by me. It was a fraudster applying for a credit card in my name and address. They also submitted a Change of Address form to USPS and I called and disputed the COA with the Post office as well as submitted an on line dispute. I contacted XXXX and had them cancel the application, account and unlimited cash credit cards. Also, I put alerts on the 3 credit companies and locked and froze my credit reports.

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 2018-01-30
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: Their investigation did not fix an error on your report

Complaint:
Updated tradeline XXXX XXXX   Equifax XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD N/A Account closed by credit grantor Bankruptcy XX/XX/XXXX XXXX XX/XX/XXXX THIS ACCOUNT WAS NOT CHARGED OFF AND NOT CLOSED BY CREDIT GRANTOR ... ... THIS ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY AND HEREFORTH DISCHARGED UNDER THE FEDERAL BANKRUPTCY CODE. PLEASE ADJUST YOUR RECORDS ACCORDINGLY TO REFLECT THIS ERROR.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I deposited a check for XXXX on Sunday XX/XX/XXXX. This check was from XXXX  XXXX XXXX and written from Bank Of America as well so it should have cleared on time. It didnt. When I deposited it, it stated it would be available the next business day, which would be Tuesday XX/XX/XXXX because nothing processes Sunday night. When I deposited it, it also said it would cover transactions posting on XX/XX/XXXX. Well, as usual, BoA has lied to me again. The check that was supposed to clear today, XX/XX/XXXX now days it will clear on XX/XX/XXXX. But my main issue is they, once again, charged me an overdraft fee for something that posted on XX/XX/XXXX, even though I still have the email that CLEARLY states it will cover anything that posts XX/XX/XXXX. Im tired of BoA and the lies they tell and all the money they have quite literally stolen from my account. I will be closing my account with BoA as soon as my income taxes are deposited. I will be withdrawing all of my money and letting everyone I know NEVER to use BoA because they lie and steal from their customers.

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 2020-12-18
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XXXX of 2018, I was promoted a 0 % interest for 2 years on an item at Best Buy, using the Citi Bank My Best Buy credit card. I was immediately approved and made on time payments for two years. XX/XX/XXXX, I opened my account to make a payment, and noticed XXXX dollars interest had been applied. The promotion on my TV ran out, and it was deferred interest ( which was never vocalized to me ). When I called to ask about how to rectify the situation, I was told that I could pay off the XXXX dollars still owed. When I asked how this happened, the employee told me that my on time payments were applied to other purchases, and not the promotional item. They chose to allocate my payments to other purchases. Despite explaining that this is not allowed, the employee refused to let me enter a hardship program, until I said that legally, I was interested in pursuing another avenue. Once I was transferred to the hardship program department, they told me that the employee was misinformed and that I could enter the program. My account is currently closed, but I am still paying the interest that was accrued even though it was falsely advertised to me as not having interest.

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 2022-07-05
Company: DISCOVER BANK
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:
The following late payments are billing errors pursuant to 15 USC 1666b.

Under the GLB Act of 1999 nonpublic information such as late payments shouldn't be disclosed to any non affiliated third party such as credit reporting agency without my lawful consent 15 u.s.c 6802 --

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
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: Information belongs to someone else

Complaint:
Consumer Relations, After reviewing my credit report yesterday. I noticed that a employer was added to my credit report. XXXX XXXX  should not be on my credit report and please move ASAP. Not sure why employers and inquiries are on my report I don't have enough credit to apply for anything. All inquiries in the month of XXXX needs to be deleted. 

Thanks 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 2021-11-08
Company: Chime Financial Inc
State: TX
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 purchased what was described as an ONLINE XXXX service from a company described to me as an Online XXXX XXXX XXXX XXXX, and when I rceived the link for the business which i paid {$140.00} for, it was not as described. 
They had a 30 Day money back guarantee, and it was because of this that I felt secure purchasing the program. 
I used a Debit card provided to me by Chime for the purchase, I complained to chime within 7days that the item I received was not as described. i was surprised that Chime denied the claim without even stating on what Grounds the claim was denied. 
The company misrepresented themselves and the Service they were providing to me was XXXX XXXX XXXX  /A XXXX XXXX instead of an Online XXXX which they said they were offering me. 
They sent me many links to webinars and i asked many questions before send ing the payment and not once did they say it was XXXX XXXX. They constantly said its XXXX XXXX XXXX or while on vacation just using your phone for a few minute per day which is what i wanted. Plus they said a few hours a day and you could quit your job with this Online XXXX because of the money you would be making. 
I asked several times if I had to sell anything and what prouct it is, and they always responded to me that no selling was required. They do most of te work for me, but when i received the link which directed me to the webinar, it was not as described. It was XXXX XXXX/ XXXX XXXX. 
I immediately Contacted CHIME about the matter and they quickly denied my claim. 
i am on Social security and i felt scammed. I dont think people should get away stealing other peoples hard earned mone, so I filed another claim to CHIME and within 48 hours they once again denied the claim which i hardly believe they reviewed thorougfhly. 
I am appealing bto you to kindly assist me with this matter, because CHIME does not seem to care about helping their client. They sem to be more interested in siding with the Vendor for whtever their reasons. 
Thank you for you kind assistance. } Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello I had subjected my social security number and my credit scores to have a card with target and I had been using the card and then I paid the card off. All of a sudden I received a threatening letter from target saying I better use my card or they will close out my account. So I emailed them well customer service and said that is not fair and I had my credit jeopardized for this. So they ended up closing my card in XX/XX/2019 and I saw my credit report and it stated that that closed account has a negative impact on my credit score and report. I should not have to subject myself to financial distress for something that I dont need or want at that time. I have other credit financial responsibilities and I am not going to be forced to make credit card charges that I dont want to. That is the same thing as credit fraud or theft. Them making me make charges that I dont consent or agree to make to have their credit services and I am thinking about legal consultation. I have another credit store card snd it has been paid off longer then target and they have not done anything like that and they are a HIGH END STORE. I got no response from the second email asking why they really closed my dang account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Santander Consumer USA Holdings Inc.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I financed a new XXXX XXXX XXXX with {$5000.00} down payment ( total price {$53000.00} ) and 0 interest for 72 months at XX/XX/2019 at XXXX XXXX XXXX XXXX ( XXXX  , CO ). Today ( XX/XX/XXXX ) the dealer told me I must pay {$26000.00} more down payment otherwise I have to return the car, and charge {$99.00} dollar per day for the 10 days I drive. They have carefully checked my background before signing the contract. If they can not make the deal why not just tell me at the beginning? The monthly payment has not started yet ( will start from XX/XX/XXXX ) but they broke the contract already. I can not pay for the extra {$26000.00} dollars immediately. But if I return the car I need to pay {$1000.00} for the miles I drove these days ( just 200 miles ). This is absolutely a defraud and robbery. Assuming I have the money and paid for the extra down payment, what about after I drive for three months and they force me to fully pay for the car. If I don't have enough money at that time, they will charge me more money for the miles.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
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:
I m disappointed! I dont know how to delete it from my name I was checking my credit report and these accounts still on. Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
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: Problem with personal statement of dispute

Complaint:
A charge for {$29.00} that posted XX/XX/2020 on one of my accounts was not made by me, therefore I was not aware of the charge. I received no notification that I had a balance on my credit card XXXX the card was previously at {$0.00} XXXX from XXXX. The payment went 30 days delinquent in XXXX, which is how I found out about the charge in the first place. I paid down the balance to settle the account, thinking it was a membership fee until I investigated further and realized it was fraud. I have disputed this charge with Transunion and XXXX 3 times. Neither bureau has removed the derogatory mark from my report. My dispute with XXXX removed it on the first try, so their investigation obviously concluded the charge was fraud and verified my concern with the bank. 

With Transunion and XXXX being used so often by companies for credit checks, it is imperative that this inaccurate mark that has a massive impact on my credit score be removed immediately, for each bureau. It has already hampered my ability to attempt to consolidate my debt. These companies have a major responsibility to do better with so much power over ones financial health.

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 2021-11-08
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was THREATENED by PHH / XXXX XXXX XXXX to make sure and keep my appointments with my account Relationship XXXX by phone, XXXX XXXX, on XX/XX/XXXX at XXXX XXXX. I turned down a {$150.00} job to be by my phone, as to not miss this call. NO CALL CAME!!!! So I went through XXXX and high water to call them, only to be told each tome that I had no such loan. I finally got a hold of someone that stated that I missed my call! She stated that XXXX did call me and I was not home. This is untrue as my phone is working correctly, people have gotten a hold of me all morning, with no problem at all, no caller ID as to her phone # is on it, My voice mail has NO message from her, etc. I requested a new relationship XXXX from XXXX, and they denied me of that. I asked for a supervisor XXXX and they denied me of that. I asked to have the appointment today, as I already am off work and missed {$150.00}, and they made another appointment, so I have to not work again for XX/XX/XXXX. I have asked for a statement of payments, and they have denied me of that. I have filed with you before, and they have told both you and I that they are looking into it, and have not. I have filed for COVID help and they are " looking into it ''. I will lose my home by the time they stop playing games with me. Please help me to stay in my home, and not be XXXX!!!! Ocwen their parent company has had numerous class action suits against them for the same thing, but people are out of their homes before they settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this information multiple times. I want this removed immediately. Pursuant to 15 usc 1681i ( A ) the federal law says when an investigation is going this account should have been removed and it never was. Also according to 15 usc 1681 ( a ) ( e ) investigate consumer report says should be personal interviews done and I have not received any of that information. They didnt do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: DISCOVER BANK
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have tried many times to get this Company called Discover Fin SVCS LLC to remove this account from my Credit Report! {$910.00} Balance. Opened XX/XX/2014 ) I told them many times that my Identity was stolen due to identity theft!!! Now there calling my house and Harassing me and my family members? Can someone please look into this matter as soon as possible? Thank You!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-28
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My husband and I sold our home on XX/XX/XXXX we called the mortgage company XX/XX/XXXX regarding the update on our escrow account, the agent we speak to over the phone advice us that a refund will be send out and we will receive it by the end of XXXX. On XX/XX/XXXX we called again because we're wondering what happened to our escrow refund, again the agent told us it will be send out XX/XX/XXXX. It is now XX/XX/XXXX and we haven't receive a refund from our escrow account. We also concerned that we over paid the interest for the month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: BBVA FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
XXXX, XXXX, XXXX XXXX and compass bank have failed to do anything sent police report and hacking reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Experian Information Solutions Inc.
State: NJ
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:
Ive sent a letter on XXXX to all 3 major credit reporting agency regarding some inaccurate accounts on my credit report. its been 3 month and I have not gotten a response yet. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately.

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 2019-11-05
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:
I HAVE BEEN A VICTIM OF IDENTITY THEFT ALL OF THESE ACCOUNTS ARE FRAUD I DID NOT AUTHORIZE THESE ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.

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 2023-08-03
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I had a XXXX XXXX in XX/XX/2022. Several months ago I started to look into my credit reports. I saw several inquiries and collection agencies who had items being reported that were the same or duplicate reports. I sent US Priority mail to XXXX and XXXX regarding these issues. I never received any letters and or status regarding the report.I have also not seen any changes or new notes on these accounts. 

I want to know why my credit information is being shared with multiple unauthorized companies. In none of my credit applications did I agree to share my private personal information with whomever ( personal and or business ).

Company response to consumer: Closed with explanation