BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-14
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XXXX XX/XX/XXXX my car was hit a total loss I was told by the dealer if payoff early then the price drop within the 36 months. Well I only had it almost 4 months bought in XX/XX/XXXX which can with a XXXX security to fix it with secure one somehow this was supposed to be 2 different contract but it wasn't it was with Westlake Financial so as this was settled with the insurance company XXXX the company was paid off XXXX plus XXXX down and the XXXX for the months which was XXXX which add to XXXX plus the XXXX on mechanical insurance they keep which not in the contract why they kept it i call they hang up in my face several time. I ask for management never get. They tell me nobody there and most of all it a total loss and still adding interest rate on a car i have no position of .and in the contract it's doesn't show on a total loss they can take the XXXX dollar it states after a year or XXXX mile which I didn't use also so they didn't follow the contract and still adding to my account makes my credit low and didn't put was paid out.

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 2020-09-14
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is the THIRD time i have had issues with this company. Back in XX/XX/2020 i set up a payment plan to pay off my debt. i told the rep to please take out {$85.00} every 2 weeks according to my pay dates. I was told the first time it would come out of my checking account and it never did. I called and confirmed the correct bank information and they confirmed that was what they had in their system as well. i am not sure why the money was never withdrawn. I called and set up the payment again and confirmed they can withdraw {$85.00} from my account every 2 weeks automatically. The bank information was viered and it was taken out 1 time. After that happened in the spring i submitted a complaint back in XXXX because the money was never taken out of my account. Even though i gave permisson to do so. I spoke to MS. XXXX who again confirmed with me that starting XX/XX/XXXX i would have money taken out of my account every 2 weeks starting XX/XX/2020. I later got a call from someone named XXXX i believe who asked if i wanted a payment to be set up. I told him the payment should have already been set up to take out {$85.00} every 2 weeks. IT WASNT SET UP! I confired with him the infomration AGAIN to have payment take out starting XXXX XXXX   and he ASSURED me that i would not have to repeatedly call back and it will be automatically taken out. That i would not have to worry and its been set up for payment every other week. Well now the ONLY PAYMENT THAT CAME OUT WAS ON XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: FIFTH THIRD FINANCIAL CORPORATION
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:
I tried to open a savings account with a credit union but was blocked due to a XXXX XXXX charge-off from Fifth Third Bank saying I owe {$140.00}. I have never had an account with Fifth Third Bank. In the past few years up till XXXX, I have had multiple credit checks without this issue being flagged. I have had first-time homeowner counseling with a HUD-approved non-profit in early XXXX and this issue was never flagged. 
In the past month, Fifth Third bought out MB Financial, which my parents had an account with in the past but their account was closed in 2014 and they paid any balance owed. I have never had an MB Financial account. Fifth Third Bank is claiming a balance on an account that never existed and is not  giving me documentation saying that I do not owe them the amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-04
Company: Experian Information Solutions 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:
Experian still has Identity theft accounts on my credit report. Still after 3 times of disputing they still not doing things right. My name is still not fixed. its XXXX XXXX XXXX XXXX Also they still have XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , 2 accounts from XXXX XXXX XXXXXXXX. These need to come off. I did receive a letter stating that XXXXXXXX XXXX was deleted off my credit report but its still on here. XXXX line of credit, XXXX, XXXX card not listed. XXXX and XXXX XXXX took off what was not mine and not its right but they still don have my XXXX   XXXX line or credit XXXX 's or XXXX card but its in the works of contacting to see if they can add them.

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 2019-07-19
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off my XXXX XXXX card i full then they started to collect interest on money i didn't owe which is negatively affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Selene Holdings LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We were having trouble paying the mortgage before this last time and was kind of forced to sign a contract that doubled the monthly payment and add a balloon payment if we fell behind again. When Covid hit we were behind one month. I called to let Selene Finance know what was going on. I was told to just keep making the payment with the late fees included until we could catch up. So we did that for the next six months until my wife lost her job because of Covid. I called Selene Finance to ask for help they said we would be fine as long we didn't get behind two months and if we did we could just make the double payment and foreclosure wound not start. I lost my job next but my wife started a new job. I called and asked if we could do a modification after I heard that some changes had been made because of Covid. I was told that they were not a bank and that my loan was owned by investors and they only offered certain packages. One being a forbearance plan that would again double my payment. At this point, I started to research Selene and talking to just one person, when she would call me back. I started to ask who the investors were and I never got an answer. Shortly after this on XX/XX/20 I was told that they were going to send me an application for loss mitigation. I started work again and I was not able to communicate with Selene because of my hours but my wife was in contact. She filled out all the paperwork and sent everything in the last thing I heard from the lady was we needed to fill out a couple more things. We never could get back in touch with the lady we were working with. but my wife said she spoke with someone who said they have a special forbearance that came up. It would suspend payments until XX/XX/20 then we would have to pay for six months. It was the same plan and the modification was never spoken of by them again. We were sent another contract to sign and send back. But we have reached out to you first.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: SC
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 Account XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 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 items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX I have called and spoken to on many occassions. In XXXX of XXXX I called and was told my account payment due would be froze due to XXXX. On my credit report it is showing a late or missed payment for this month. It was always told to the previously loan holder XXXX XXXX as well who didnt fix it. I have tried dozens of times. Please remove this from all credit reports. I should have no missed payments on this. Correct it or face civil legal action. The company last we spoke said they would fix it this was on XX/XX/XXXX when we last spoke. The rep said she would put plenty of notes and agreed she say the previous notes from XXXX showing i called in but it wasnt processed right. Its impacted my credit ever since. Please remove it and provide me a hard copy mailed letter and pdf attachment as well showing removed and no late payments or missed payments ever on this account. Thank you. Please also supply me legal subpoenas mailing address for my demand letters and future attorney mailings.

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 2018-03-04
Company: EQUIFAX, INC.
State: TN
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:
Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX   XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX   XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX  XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I have disputed these items by letters with all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX. I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America put a hold on a check that I deposit every month. It is a county check. I contacted the bank that the check was drawn on and they said the funds had already been given to Bank of America. Bank of America says they havent and they still will not release the funds.

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 2023-03-18
Company: EQUIFAX, INC.
State: IN
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
on XX/XX/2018, I went to PC Richard and purchased a XXXX Dryer for my home using a PC Richards credit card. One of the staff members took the dryer to my home that day using a hand-truck and told me I just had to give him {$30.00}. When I arrived home my husband informed me that our dryer was working, when he went to remove the old dryer he noticed it was unplugged. I went back to PC RICHARDS and found the same gentlemen who brought my machine and informed him that the one at home was working and asked him to return the new one. He did and to my knowledge that was the end of that. 

I applied for the credit card that same day when I was offered a discount if I did. The address on my state ID was outdated it appears, I called Synchrony to tell them about the issue and they stated the ID on file had my previous XXXX address so I am assuming that they sent the billing information there as well. Since I returned the Dryer I believed that was why I never received a bill. This account is now in collections with XXXX and impacting my credit.

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 2018-08-03
Company: Freedom Mortgage Company
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Today after years of saving and smart planning I called Freedom Mortgage to pay off my mortgage balance and they would not take my payment. Next, the want to charge me {$30.00} to have someone from the escrow department calculate my payoff amount and then they are supposed to send me an email me next week with a payoff amount. At that time, I then have to initiate a wire transfer from my bank in that payoff amount before a certain date. 

Payoffs are extremely easy to calculate and being charged an additional fee and additional interest charges to purposefully delay my payment is criminal. Your software can do that instantly and you can take an e-check instantly online or over the phone but they refuse to do it. 

they should be prosecuted for this business practice. This is intentional fraud to dissuade pay offs, keep customers in debt and nickle dime them for additional made up fees. 

Terrible. 
-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 2023-02-15
Company: Credit Karma, LLC
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I did my tax return on XXXX and was approved for a {$250.00} loan basically where they would give it to me and then take it out of my tax return when it came but I had to do it through Credit Karma Credit Karma locked my account told me that Im not approved for it after They had already said I was and now my money is in the account and they wont give it to me. They will not email me back when I call they kept repeating the same thing saying we can not comment on this. You have to talk to our special investigations through email and they never emailed me back. I asked to have the money transferred into my bank or to mail me a check and they are refusing I told them I need to pay my rent with them my money and they wont give it to me and wont pay late fees due to the fact that its their fault they wont give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: INTERCONTINENTAL EXCHANGE, INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
I have been threatened by the ICE cryptocurrency exchange at XXXX XXXX XXXX that if I didnt send a deposit of {$11000.00} USDT to the ICE cryptocurrency exchange by XXXX XXXX, I would be fined {$1000.00} per day until the deposit is made. 

I received an email from the ICE cryptocurrency exchange on XXXX outlying their demands, which I have included in this complaint with a screenshot of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I attempted to obtain credit cards from XXXX, XXXX, XXXX, etc. They informed me that EQUIFAX had collection items on my report. My request for credit was denied. Two of the items were placed by XXXX XXXX XXXX XXXX  XXXX XXXX. They apparently were for medical services. I was completely unaware of the collection items. XXXX XXXX are supposed to submit any claims to my health insurance company, XXXX XXXX XXXX XXXX. The amounts were for {$160.00} and {$1700.00}. They did not. I had requested reports from XXXX XXXX. Bur they reported me to EQUIFAX instead. There is also another item on the credit report that is completely unexplainable - to wit " revolving credit '' /

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: MI
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 am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that the Credit Bureaus immediately remove these fraudulent items from my credit report with the Credit Bureausr firm, or provide me with the exact source where the Credit Bureaus received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance Owed : {$0.00} - Previously Late/Open XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX. I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 recently obtained a copy of my credit report and noticed accounts and noticed accounts I did not authorized.

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 2020-06-15
Company: EQUIFAX, INC.
State: MI
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:
I submitted documentation to the three credit bureaus in XXXX involving fraudulent accounts on my credit report that do not belong to me.I didn't hear anything back from them, so I submitted a FTC report as well as filed a police report with the XXXX police ( # XXXX ), and I still have not got a response from them or anything and it is now XXXX. Below are the fraudulent accounts. 

DEPTEDXXXX XX/XX/XXXX {$2400.00} DEPTEDXXXX XX/XX/XXXX {$5500.00} DEPTEDXXXX XX/XX/XXXX {$2600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$340.00}

Company response to consumer: Closed with explanation