BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-04
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Cfpb should be more agrassiev against banks because they are going back to XXXX off the cunsumet with high interests rate and late fees and refuse to do anything in case of item not received I placed a order by XXXX on XX/XX/2018 because I never got it therefore I forgot about it now the XXXX XXXX wants me to file a police and go after who ever took it get my money that way resell they really thing I XXXX  to give me such XXXX advise

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 2016-09-27
Company: WELLS FARGO & COMPANY
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I sent money through XXXX which is linked to my debit card to a seller of a XXXX. I met this seller online through XXXX in a group normally used for buying/trading XXXX. I agreed to purchase a XXXX from a sellerlanc in the amount of {$160.00} total. I had a balance of about {$40.00} in my XXXX, which led me to pay {$120.00} from my bank. After waiting for a week and not receiving contact from the seller, I inquired to the group about the seller and if anyone else had issues with him. It turns out he was a scammer and other people had also been sold the same XXXX and not received anything and essentially, lost their money. I then turned to wells fargo to get them to request the money from XXXX and thus the sellers account. Twice I was denied their help after being told that I authorized the payment on my behalf. I explained that I did authorize the payment, but received no monetary value from the transaction, which would be covered in their ACH complaints form. I was no longer being contacted by wells fargo after being able to provide proof of the seller scamming myself and others.

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 2018-08-04
Company: AmeriHome Mortgage Company, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
They never responded to my emails, they are still charging me PMI even though I have LTV of 44 %. They have no customer service!! 
The " service '' is absolutely unacceptable. Quite possibly the worst service I have ever experienced. I have received different answers from every representative I have spoken with, after being on the phone for over 30 minutes of course, with no progress towards my problem ( on multiple occasions ). The need to have to constantly call back for the same problems over and over again because of internal mistakes and incompetence is at a level the likes of which I have never experienced in another business. In other words, there is clearly no training, no quality assurance, and absolutely nothing being done about the horrendous service. Judging by the other reviews, multitude of complaints, and my over one year of painful experience with this company, I would say it is a chronic issue with little to no improvement. To say I am displeased with my loan having been sold to this company for service is an extreme understatement. 
Would not recommend and wish we could move to another company. Have worked with quite a few mortgage companies over the years and never had trouble like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX reported my account as past due 90 days because I did not renew my income-based repayment plan. However, the documents were sent to XXXX on two occasions. I verified that the repayment plan was approved but they still reported my account as delinquent.

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 2016-10-26
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
We have never had a Wells Fargo account. 
I received and email from : WeIIsfargo Bank ( address : XXXXXXXXXXXX ) which said someone had unsuccessfully tried to access our account and referred us to : XXXX I am concerned that this may be a phish. 
Submitted FYI.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
This is my second complaint against the credit bureaus. Now they are asking for proof of who I am so I am sending it. I feel they are stalling and trying to by time I have attached my lease agreement and SSN card that should be proof enough.

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 2020-07-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was at XXXXXXXX XXXX XXXX today XX/XX/20 trying to buy my wife a necklace but I was denied from financing ; I was confused as to why I was not approved since I have always made it a priority to maintain good credit history. I looked through my credit report and I saw a few accounts that are not mine. The accounts are from XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. I have never opened any account with these companies and I did not allow anyone to open them in my name. I do not have any written/verbal contract with any of these companies and I did not benefit anything from these accounts such as money, goods, services or anything else and I never made any payments to these accounts. I am still trying to figure out who these accounts belong to but I have already filed a police report. I have filed this report to the best of my knowledge.

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 2020-07-09
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: Information belongs to someone else

Complaint:
I was at XXXXXXXX XXXX XXXX today XX/XX/20 trying to buy my wife a necklace but I was denied from financing ; I was confused as to why I was not approved since I have always made it a priority to maintain good credit history. I looked through my credit report and I saw a few accounts that are not mine. The accounts are from XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. I have never opened any account with these companies and I did not allow anyone to open them in my name. I do not have any written/verbal contract with any of these companies and I did not benefit anything from these accounts such as money, goods, services or anything else and I never made any payments to these accounts. I am still trying to figure out who these accounts belong to but I have already filed a police report. I have filed this report to the best of my knowledge.

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 2020-07-12
Company: EQUIFAX, INC.
State: DE
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:
Unauthorized inquiries on my equifax credit report that I did not authorized XX/XX/2019 XXXX XXXX, I did not authorize this inquiry. 

XX/XX/2019 XXXX XXXX XXXX  XXXX, I did not authorize this inquiry XX/XX/2019 XXXX, I did not authorize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
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:
Transunion continues to use the PACER system to check my bankruptcy information. PACER IS INCOMPLETE, ANYBODY CAN CREATE AN ACCOUNT, AND IS INACCURATE. The bankruptcy court showing my bankruptcy as dismissed has notified me that they do not share SSN 's to third parties SUCH AS the PACER system. In this case, how can you maintain a dismissed bankruptcy as accurate? How are you verifying this information? You need to go to the court and NOT PACER according to the fair credit reporting act. You are not validating this information correctly and it needs to be removed.

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 2018-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
have sensless information reporting on my credit thats not mones. student loan collection??? I need this removed from my credit.I feel the goverment dosent care about people and someone used my information h=getting this credit in my name I need it removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Potentially Negative Closed Account Name XXXX Account # XXXX Account Type Bank Credit Cards Balance {$860.00} Past Due {$860.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Unknown Account Name XXXX XXXX XXXX Account # XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX   Potentially Negative Closed Account Name XXXX XXXX XXXX   Account # XXXX Account Type Bank Credit Cards OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX  Potentially Negative Closed Account Name XXXX XXXX XXXX XXXX Account # XXXX  Account Type Student Loans Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Unknown Account Name XXXX XXXX XXXX Account # XXXX   Account Type Other Collection Agencies Balance {$2600.00} XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX , IA XXXX  Potentially Negative Closed Account Name XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  Account # XXXX  Account Type Federal Government Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Paid, was a collection account, insurance claim or government claim or was terminated for default XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX   Potentially Negative Closed Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX  XXXX Account Type All Banks Banks and S & Ls Balance {$860.00} {$860.00} Past Due {$860.00} {$860.00} Date Opened XX/XX/XXXX XX/XX/XXXX Account Status Closed Closed Mo. Payment {$0.00} {$0.00} Pay XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Unknown Account Name XXXX XXXX   XXXX Account # XXXX Account Type Factoring Data Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Potentially Negative Closed Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX   Account Type Federal Government Balance {$0.00} {$0.00} Past Due {$0.00} {$0.00} Date Opened XX/XX/XXXX XX/XX/XXXX Account Status Closed Closed Mo. Payment {$0.00} {$0.00} Payment Status High Balance {$2600.00} {$4000.00} Limit {$0.00} {$0.00} Terms P 36M 036 Months Comments XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Type Collection services Balance {$2600.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Mo. Payment {$0.00} Payment Status High Balance {$0.00} Limit {$0.00}

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 2019-03-08
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have my mortgage with Sun Trust Bank and have had some trying times with these people. Recently I was told by them that I didn't have Home Owners Insurance and that I had a lapse from XXXX XXXX thru XXXX XXXX. I called my HOI insurance agency and they sent proof that I did have HOI with them, they called Sun Trust and we made a three way conversation and the lady at XXXX XXXX advised them that I do have coverage through them and since I have allowed them to automatically withdraw the fee, there couldn't be a lapse. However, Sun Trust didn't wait for proof that I do have HOI and took out a {$45.00} HOI and added it on to my mortgage payment as fax charges!! I have had my escrow since I signed with Sun Trust and I believe they want it so they can add it on to their " cushion ''. I am trying to acquire another mortgage company but it takes time. I check the XXXX  and other agencies to make sure don't have a lot of complaints. 
I hope you can help to solve this problem for me. Thank you for time and effort. As an after thought, the 2008 housing debacle still looms in our minds, will it happen again? Some people said it could never happen!!

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 2023-03-01
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the validity of several accounts that have been reported on my credit report. The accounts in question are : XXXX XXXX XXXX XXXXNI XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX ACCEPT XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX CT FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX I believe that the reporting of these accounts is in violation of several laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

According to the FCRA, all information reported on my credit report must be accurate, complete, and verifiable. I have reason to believe that the information reported on these accounts is inaccurate and incomplete. Additionally, the FDCPA requires that all debt collectors treat consumers fairly and prohibits certain practices, such as harassment and misrepresentation. I believe that the reporting of these accounts may be a violation of the FDCPA. 

Therefore, I am requesting that you investigate these accounts and provide me with evidence that the reporting is accurate, complete, and verifiable. If you can not provide such evidence, I request that you remove these accounts from my credit report. 

Thank you for your attention to this matter. 

Sincerely, 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 2018-08-04
Company: CITIBANK, N.A.
State: CA
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:
Re : Hard Inquiry/Unverified on my behave I recently checked my credit report with XXXX, XXXX, XXXX.It reflects that an unauthorized Hard Inquiries from your company : CBNA Hard Inquiry done on : XX/XX/2017 Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY I mailed a letter to XXXX, XXXX, XXXX to Dispute center and to the Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX.I have not yet received any return correspondence from 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 2017-12-18
Company: National Bond And Collection Associates, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
i ( XXXX XXXX ) recieved a letter from XXXX XXXX XXXX XXXX telling me to make a payment of {$1200.00} for a debt that they bought from XXXX XXXX XXXX XXXX. But as i explained to XXXX XXXX XXXX XXXX that i never took anything worth that in no service. What service i did recieve from XXXX XXXX XXXX was paid for in full. i asked to submit any proof of any agreement that i have sign and non is provided but yet XXXX XXXX XXXX XXXX submitted this claim to XXXX without proof and XXXX put it in my credit report without any questions. 
i would like for your office to investigate this matter in a neutrel party please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2016-11-09
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I requested and received a payoff quote on my Hyundai XXXX lease in XXXX. The payoff was good through XXXX. I decided to buy out the lease, contact XXXX for the loan. XXXX and I followed the payoff letter instructions and the lease buyout amount of XXXX, XXXX was sent to and CASHED by Hyundai Motor Finance. 
Hyundai then sent the funds back to XXXX even though they cashed the check on XXXX XXXX, saying we could not buyout the lease in the manner that we did that I had to " go into the dealer. '' XXXX states that because they cashed the check, the loan funded and closed. So now we have to wait another 10 days before the money is refunded to XXXX. Once that happens, I have to pay additional money to XXXX to payoff the loan, then take out a second loan incurring additional loan fees payable to the state. 
On top of that, Hyundai is increasing the payoff quote, I have to make another payment to then instead of lowering my monthly as planned. 
Hyundai provided a payoff letter with instructions. We followed those instructions. They cashed the check from XXXX, creating a second lien on my vehicle which also cost me money. When I received an email that they were processing a payment, I called to have the payment stopped because they already received the payoff. It was only then that I was informed that they were refunding the payoff funds. 
I did in fact go to a dealer on the 4th to attempt to work this out. The dealer gave me a payoff quote of {$600.00} LESS than the original. Then when we called in, the payoff was {$40.00} MORE than the original. I feel like Hyundai did not properly provide payoff instructions, is not giving me a fair payoff quote now, is holding funds for up to two weeks, and as such is earning interest they should n't - while trying to collect as much on the payoff as they can. 

At this point, the funds are still with Hyundai, they are charging me more interest, XXXX can not do anything until Hyundai returns their funds ... And then I have to start all over.. at their dealer and pay a second loan fee to the state.

Company response to consumer: Closed