BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I want Trans Union, XXXX and XXXX to update my credit report with the following personal information : Employer : XXXX XXXX XXXX, Position : Chief Executive Officer ( CEO ) Annual Salary : {>= $1,000,000} ( $ XXXX ), Annual/Total Household Income : {>= $1,000,000} ( $ 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 2021-02-09
Company: Exeter Finance Corp.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX  XXXX XXXX TX XXXX XXXX  XXXX. XXXX  XXXX XXXX GA XXXX XX/XX/2021 RE : Social Security Number : XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by Exeter Finance in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see you have my account listed as a Derogatory and Charged off account. This account has already been disputed and removed from my XXXX credit report due to inaccuracies. 

I challenge the accuracy, compliance and reportability of this listing. 

Please validate this information with Exeter Finance and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, MD XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: PLANET HOME LENDING, LLC
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage from XXXX XXXX was sold to Planet Home Lending without my knowledge. I received a letter predated for XXXX but did not receive until XXXX. I had tried to stop the auto pay but even though PHL verified through emails that they had received the request and 2 of the PHL agents acknowledged that the auto payment would be stopped, it was not. I stopped payment until I could get the transfer information. Even though I have 60 days from XX/XX/XXXX to review and make any payments, PHL has sent threatening letters to me. The customer service agents speak with such a heavy accent I can not understand ( please listen to the recordings for XXXX. I have the initial letter dated XXXX but did not receive until XXXX. The biggest complaints entail the lack of customer courtesy that PHL did not send notification in a timely manner of the change of Mortgagers which caused major confusing coupled with the inadequate knowledge of my account along with the lack of adequate customer service. All these things could have been avoid with a adequate notice and knowledgeable customer service. I would also like to know my options for suing PLH for the threatening letters sent to me. XXXX XXXX, XXXX. Can furnish documentation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: JPMORGAN CHASE & CO.
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase closed my XXXX XXXX XXXX credit card without any prior warning or alert. I noticed that the account was closed on XX/XX/2021 when I signed into the account. This was a surprise to me as I do not have any problems or issues in my credit. I called Chase Customer Service and was told the account was closed on XX/XX/XXXX. I had accumulated rewards in the amount of {$250.00} and was told that I had 30 days from the date when the account was closed to access the rewards or they would be lost ( this was reiterated in writing on XX/XX/XXXX ). I was unable to access the rewards due to an error showing up on the website. In the XX/XX/XXXX phone call, I was told a request would be put in so that I could access the rewards. I also requested that they reinstate the account since I was not given notice and all my accounts and credit are in good standing. I called Chase again on XX/XX/XXXX and was told my account was reactivated and I may use the card and access the rewards. The account still appeared closed on my Chase portal but I was reassured that the account was open and the status showing on the website would update in a few days. On XX/XX/XXXX, I was able to transfer the rewards into the account which now shows as a credit of {$250.00} in the account. I attempted to use the card but it was declined. I received a letter on XX/XX/XXXX that I may not access the rewards and the account remained closed. This letter appears as the only letter in the Letters and Notifications folder in my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: ALLY FINANCIAL INC.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
1 ) Ally Financial have been allocating the payments I specifically designated as going towards the PRINCIPAL amount of the loan, to the Finance Charges Paid. By doing this they are collecting much more Finance Charges than they agreed upon. 
Please, see the attached payment history I received from Ally XXXX XX/XX/XXXX. 
For example please take a look at the last payment I made on XX/XX/XXXX, I had already paid XXXX payment due on XX/XX/XXXX. I designated the entire {$200.00} to the loan Principal, Ally allocated only {$170.00} to the principal and {$23.00} to Finance Charges Paid. 
This is not just this payment, please look at payment for : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX amount was allocated to the loan principal. 

2 ) Ally claim that I asked for 180 days extension to the loan, that is ABSOLUTELY FALSE. Please, see payment made on XX/XX/XXXX, then on XX/XX/XXXX, that is only 120 days. I called Ally in XXXX of XXXX asking if I can postpone my XX/XX/XXXX payment due to COVID 19, they offered me 3 additional months, they failed to explain that I will be charged all these outrageous Finance Charges. 

3 ) Ally took advantage of my circumstance, that I had only a couple of hours to either buy my leased car or turned on. Yes, I had some family emergency and I was working and XXXX XXXX told me it will be very simple to buy the car and finance it at the dealer. I had a very good job at the time, and my credit score was very good. Yes, I signed the agreement, however, the interest rate I charged was much higher than it should be. 

I am hoping by bringing all this up is that the CFPB take a strong action towards Ally Financial so they stop using these tactics.

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 2021-10-27
Company: CITIBANK, N.A.
State: FL
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 paid {$3500.00} to XXXX XXXX to provided website activity to sell books on XXXX. Was shown a XXXX video presentation how to sell books online " Business and cost '' I was told I would get support, and 2 software to access for XXXX sales ( arbitrage ) and trades and no further cost involved to start the business except for buying books. After accessing member area stipulations are different, must follow training for 1st 30 days, training videos are outdated from 2017, mentoring cost, other vendors fees, plus their offer refund policy 90 days double money back guarantee with weekly purchased of 4 books per week. After 6th day of watching outdated training videos, I wrote to ( XXXX XXXX XXXX | XXXX - Support Team XXXX ) about the training videos, and i ask for a refund and XXXX said i can not get back any money he insisted to keep with program that i dont want to continue anymore this is very difficult to folowing, that's why i wan na may money back. it looks like a scam to me, then is not responding any emails. I just want they refund the money. I contacted my credid card ( best buy city bank ) but they say i canceled it too late, but this is whog because i did cancel after 6 day, i called citi bank again they dont want to deal with this. 
Please help me, there is others with the same situation, this book trade company dont care about it. there is lots of complaints on XXXX XXXX XXXX 
than you!

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 2019-04-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am a XXXX and I sign for a loan with Wells Fargo practice Finance in 2015. I was given a payment Schedule that I have followed and paid on time until last month. My monthly payment went up about {$80.00} and when I asked for explanation. I was informed that this loan has adjusted interest rate and my interest rate of 4.35 % is now 5.9 % and it can actually go up over 7.5 %. This was hidden in a fine print and I was not aware of. On the first page of the loan agreement there is a large table which has block that include numbers of installments/ and amount of each installment and it clearly says 96 payment of {$1400.00}. I have tried to contact wells fargo to see if they can help me understand this sudden change. They responded by giving me 4 options which all include higher monthly payments, and prepayment penalties and application fees. I am outraged as this form of unethical practice and taking an advantage of consumers.

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 2022-09-11
Company: WESTERN UNION COMPANY, THE
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:
I attempted to open an account by calling Western Unio n in order to link my service provider information for the purpose of bill pay service needed to establish stability and provide assisstance with funding sources due to Covid 19 and severe hardships caused by identity theft of a Trust Beneficiary. 
Western Union refused to open my account by calling, after I explained to them that I am a victim of identity theft and that opening an account online is not an option for me due to the severe hacking of my devices and theft of my financial information in order for perpetrators to gain access and make unauthorized transactions for their own illegal benefit. 
Western Union has rejected all of my attempts to open an account and has not assissted me in opening an account. Even after I have provided them all of my identity verification documents requested by them. 
With an open account Western Union is under obligations to see to it that all transactions are approved and Western Union can be liable if issue at hand is not provided. 
Your assisstance is very much needed in this matter and if needed an investigation of their services. 
This is a severe issue due to severe hardships of Trust Beneficiaries and I would like to resolve this matter at your earliest convenience. I can be reached at XXXX for further discussions and/or information you may need. 
Thank You. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: ALLIANT CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I participated in : Open a certificate by XX/XX/XXXX plus maintain a minimum {$1000.00} certificate balance on XX/XX/XXXX to earn a {$100.00} bonus The promotional {$100.00} was due XX/XX/XXXX. It is now past due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: NY
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, Account : XXXX. 
. Has violated my rights. 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 agency may make any consumer report containing any of the following, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 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 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 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
TRANSUNION has committed Identity theft 15 U.S. Code 1681a ( 3 ), pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 1 ) TRANSUNION failed to obtain a consumer report for a purpose for which the consumer report is authorized to be furnished under Fair Credit Reporting Act, you have violated 15 U.S. Code 1681 ( b ) ( f ) ( 2 ) you have no certified purposes in accordance with section 1681e of the Fair Credit Reporting Act as a prospective user of the report through a general or specific certification, You have as also you have failed the requirement imposed under the Fair credit reporting act pursuant to 15 U.S. Code 1681e ( a ) and did not maintain reasonable procedures designed to avoid to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. You can be held liable Pursuant to 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) because you have willfully failed to comply with XXXX requirements imposed under the Fair Credit Reporting Act failed to respect my privacy as a consumer In addition you have obtained information on, i the consumer under false pretenses from XXXX  XXXX who is in fact acting as consumer report agency resulting in you may be fined under title 18 pursuant 15 U.S. Code 1681q

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 2022-09-11
Company: EQUIFAX, INC.
State: IA
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:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX Why are there so many missing fields of information? Did XXXX XXXX XXXX not supply that information to you? Shouldn't all data fields be complete? Either complete it or delete the whole account. 
XXXX XXXX is reporting the date last active as XX/XX/XXXX, Equifax is reporting it as XX/XX/XXXX, and XXXX is reporting the date last active as XX/XX/XXXX. Which date is it? It can't be all three? 

Why isn't XXXX XXXX reporting any payment history? Why isn't XXXX reporting any payment history? How can I be on time with my payment in XXXX of XXXX with Equifax but charged off the very next month? When was I reported late with XXXX XXXX or XXXX? What was my monthly payment for this account? When was my last payment received for this account? When was the date of first delinquency with all 3 consumer reporting agencies? 

Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Freedom Mortgage Company
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
With Freedom Mortgage ( who purchased my mortgage ), has refused to pay my private insurance provider ever since they have acquired my mortgage. The XXXX previous years, they have refused to pay my home insurance due to not receiving the declaration document from my insurance provider before paying the renewal invoice. I paid the insurance company myself at the end of XXXX, last year I had to fight with them to pay the insurance renewal invoice, while they were telling me it was the insurance company, and telling the insurance company that I myself wasn't following up on my end. I went to the insurance company and called the mortgage company in the presence of my insurance agent, which led to he said, she said ( an argument ). This year, they are claiming that they do not have the current property address on file, that's why they won't pay my insurance provider. My property address was changed in XXXXXXXX XXXX XXXXXXXX, to a XXXX address. I have sent them the XXXX XXXX change of address paperwork for the last XXXX years, in which they have not updated their system and the address was already in affect when they acquired the loan. Freedom Mortgage is using bulling tactics to provide me with insurance through them. I have also recently came out of the Forbearance plan, in which I receive calls to catch up on my mortgage, which starts in XXXXXXXX XXXX XXXXXXXX, and they are stating their system isn't updated to reflect this, but they can see it in there " notes ''. I want this yearly harassment to stop! They expect me to do my part, I want them to do there part.

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