BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-18
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
A couple months after leasing my XXXX XXXX which I still have I paid the lease off in full. In XX/XX/2018 I moved from XXXX area to XXXX XXXX, AL. Evidently the taxes on a lease change based on where you live. I pulled my credit and a 30 day notice in XX/XX/2018 showed up on my lease that is paid off. Evidently I pay {$17.00} more per month in taxes on a lease payment than I do in XXXX in XXXX XXXX. I was never notified. No mail, no call, no notice. No nothing. Just found a 30 day on my credit. I called Nissan and rep said no problem this makes sense. I will submit for you to be taken off. I paid the {$150.00} in taxes for the rest of the term and received a letter stating that the 30 day will not be taken off and that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18
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 is missing that should be on the report

Complaint:
XX/XX/2018 was loaned {$970.00}. paid {$2400.00} at 530.588 % APR XX/XX/2018 was loaned {$1800.00}. paid XXXX at 416.852 % I took the loans because when I went in both times the clerks say they will report to Credit agencies. 
Which I think is normal. What they did not say is they only report if the person does not pay the loan in full. 

They did not clarify that only people that don't pay are reported and when people apply. 

If a consumer is trying to re-establish credit and pay a high interest rate there is no benefit to the consumer for loans with other agencies. 

This makes the consumer to be able to borrow from the same creditor at a higher rate. 

They misinformed the consumer by saying they do report to credit agencies. I want the loan company to report I paid in full and as agreed.

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 2018-09-12
Company: CITIBANK, N.A.
State: MN
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX, XX/XX/2018 From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, Phone : XXXX XXXX XXXX Sub : Complaint against Citibank for nullifying my check by mixing of refund of credit balance with standard purchases, a discriminatory and retaliatory action against me by Citibank. 

To : The Chairman, CFPB Dear Sir : A check was issued to me by the Citibank on XX/XX/2018 ( check # XXXX ) in the amount of {$66.00} as a refund of my credit balance. Before issuing the check the Citibank added this amount on XX/XX/2018, to the total of my standard purchases ( of 8 items, which comes to {$360.00} ), and thus increasing the total of standard purchases or charges from {$360.00} to {$430.00}, please see the row item purchases +XXXX under the header of Accounts Summary. You may also see this on XX/XX/2018 billing statement already sent to CFPB in XX/XX/2018 in pursuant to the case of Conditional credit, and is also shown below for quick reference : This action by the Citibank has nullified the check, issued to me on XX/XX/2018. Citibank must reissue a new check to me for he amount of {$66.00}. Because of discriminatory and retaliatory action by Citibank against me, I was forced to close my Diamond Preferred account, which I had been keeping, for last 24 years. 

Regards, XXXX XXXX XX/XX/XXXX STATEMENT ( Billing Period : XX/XX/18-XX/XX/18 ) Minimum payment due : {$0.00} New balance as of XX/XX/18 : - {$140.00} Payment due date : XX/XX/18 Accounts Summary : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Previous balance - {$360.00} Payments - {$0.00} Credits - {$210.00} Purchases + {$430.00} Cash advances + {$0.00} Fees + {$0.00} Interest + {$0.00} New balance - {$140.00} Trans Post date date Discription Amount _______________________________________ Payments, Credits and Adjustment -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX XX/XX/XXXX XXXX 's XXXX : - {$140.00} XX/XX/XXXX Refund Credit Balance : {$66.00} XX/XX/XXXX Citibank Conditional Credit for Dispute : - {$68.00} Standard Purchases : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XX/XX/XXXX XX/XX/XXXX Reverse XXXX *XXXX XXXX XXXX : {$68.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX : {$47.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX : {$24.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX : {$3.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX : {$15.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX : {$40.00} XX/XX/XXXX XX/XX/XXXX XXXX  : {$16.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX : {$140.00}

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 2018-11-18
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
XX/XX/2018 was loaned {$970.00}. paid {$2400.00} at 530.588 % APR XX/XX/2018 was loaned {$1800.00}. paid XXXX at 416.852 % I took the loans because when I went in both times the clerks say they will report to Credit agencies. 
Which I think is normal. What they did not say is they only report if the person does not pay the loan in full. 

They did not clarify that only people that don't pay are reported and when people apply. 

If a consumer is trying to re-establish credit and pay a high interest rate there is no benefit to the consumer for loans with other agencies. 

This makes the consumer to be able to borrow from the same creditor at a higher rate. 

They misinformed the consumer by saying they do report to credit agencies. I want the loan company to report I paid in full and as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
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: Account status incorrect

Complaint:
On XX/XX/XXXX, I received an email from XXXX XXXX with an " Important Account Status Notice of Credit Limit Reduction, '' notifying me that my credit line has been reduced from {$10000.00} to {$2000.00} based on information provided by Experian. I attempted to contact Experian today ( XX/XX/XXXX ), but their website does n't allow for an individual to make complaints, but only by " Company '' accounts. I called XXXX XXXX and spoke with a representative whose name I ca n't spell or pronounce, but who had informed me that my credit line was reduced by {$8000.00} because Experian is reporting that I am delinquent on one or more accounts. While I had contested the delinquency on an account, the credit provider stated that they had reported the correct information in that I was never delinquent. However, Experian continues to report the false information and has negatively affected my credit and credit rating. I have never been delinquent on any account for at least 45 years. This false reporting is creating a hardship for me.

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 2018-09-11
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
wells fargo dealer svcs account on my credit report is in a class action law suit with wells fargo were they messed up auto loan account because they charged for insurance I already had resulting in wrongful reposesion, and charge off on my credit for {$8900.00}. should have been removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-18
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2018 there was a credit inquiry that showed up on my XXXX account for a credit card from XXXX XXXX. I did not initiate this request. I called XXXX   and they told me I had to call the credit card company as they ( XXXX ) simply reports what is out there. I called Synchrony but wasn't able to get any resolution. 

On XX/XX/18 I was able to speak with someone at Synchrony who confirmed a card was taken out in my name and we closed the account down as I notified them that it was fraudulent. I spoke with a XXXX who told me Synchrony would notify the credit reporting agencies and that I would receive a letter in the mail from Synchrony detailing their findings.

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 2018-11-18
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX  XXXX are trying to collect on an invalid debt from XXXX XXXX. XXXX XXXX was paid in Full. I have submitted a separate complaint about XXXX XXXX and the incorrect balance due.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: EQUIFAX, INC.
State: TX
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 requested vailadation on XX/XX/XXXX from XXXX XXXX XXXX. And was sent back a letter stating it was with XXXX XXXX. In which I, sent them a letter to validation and instead I, was sent a offer to settle. Either company has sent me any validation to this debt. Also, I sent XXXX XXXXXXXX XXXX another letter stating that the account is still showing a balance and can they send me validation again. Never received it. I then sent a letter to XXXX on XX/XX/XXXX for validation and the same results but they only sent me a offer for a new card on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a Refi on an existing loan with Quicken Loans also a purchase loan for a new home. This was on approx. XX/XX/18 for both of these loans. I gave all relevant info and did the applications for both. Got a pre approval for the purchase loan. During the process I noticed that the fees on the loan closing estimate papers kept going up and was higher then what I believed was normal. I was told by the mortgage agent is usually higher on the estimate but it most of the time will go down. I completed all required paperwork got the appraisals done etc.. After doing this the loan interest rate changed after I was told I locked in the interest for 30 days. Then the closing costs and fees went higher. I brought it to the agent attention with Quicken loan and asked for a supervisor to contact me. That's when things took a turn, the supervisor that contacted me was less then polite. Because I continued to push the issue and claim that I was being guided into higher interest loans that my high credit score doesn't warrant my loan was denied. The official reason was that I couldn't prove that I had moved into my house for the Refi over 5 years ago. They wanted a phone bill in my name or proof of moving expenses. Quicken Loans cost me money for both home appraisals, time and almost cost me the house I was trying to purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made a purchase on XX/XX/XXXX to XXXX XXXX, I paid for a authentication service and encasing for a collectable, received my item back from XXXX ONLY to find out that it was not encased and was not given a grade, I disputed the charge on XX/XX/XXXX and submitted photos to my bank

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a certified letter to Diversified Consultants, XXXX XXXX XXXX, XXXX, FL XXXX requesting verification and disputing the allegation that I owe them {$580.00} on XX/XX/2018. As of this day I have not received requested information and the debt is not listed as a dispute with the reporting agencies. 

Copies of the letter and delivery receipt attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I have contacted all 3 credit companies and the department of education about getting my student loans either completely off my credit report or partially off it. Reason being is because 2 are pass the statue of limitations. XX/XX/XXXX-XX/XX/XXXX. They said that they will fall off in 10years. Ive asked them why 10years when its suppose to be 7years for it to stay on your credit report. Because its still on my credit report I simply can not get a house loan. All Im trying to do is move into a house with my kids and no one will assist in removing my student loans. I understand that I still will owe on the debt that I dont have a problem with but I cant not acquire credit with the student loans being on my credit report. The credit companies tell me they cant dispute them off and the student loan company says the same thing. No luck getting any assistance with this.

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 2019-09-04
Company: EQUIFAX, INC.
State: NC
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 a victim of identity theft from XX/XX/XXXX- on or about XX/XX/XXXX. The fraudster initiated numerous credit inquires by using my social security number, address, and name. I disputed the accounts through Equifax but they were deemed valid. The following accounts are fraudulent and need to be removed from my credit history : **XXXX XXXX IS VALID** XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX/ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear Sir/Madam, In conjunction with our original request with your office, for assistance to hold Wells Fargo Mortgage responsible for its willful negligence and illegal XXXX Home Improvement contract that we were forced to sign in order to have our closing. 
They deemed and validated their contractor who abandoned our first home renovation thereby placed our entire family in financial distress. Our family was XXXX for five ( 5 ) months and we still paid our mortgage and outstanding debts. Attached is further  documentation for your review. 
As of today, we are in the process of completing Wells Fargo financial hardship loan  modification application and we need your intervention with it. We have submitted documentation that my husband is a XXXX XXXX XXXX member, he had XXXX in XX/XX/XXXX, and his XXXX  stated so in a letter submitted to Wells Fargo. His work schedule has been significantly alter not due to health but due to work conditions. 
We have had Court judgments against us XXXX confiscated {$1000.00} out of our Wells Fargo account this XXXX that was towards our XX/XX/XXXX mortgage payment which is not paid and now we are in XXXX. 
Wells Fargo is currently requesting redundant documentation from us and we our appealing to your office to re-review our complaint and this additional documentation so we can have relief from this two year overly burdensome experience with Wells Fargo mortgage. 
We want our home! We have invested tears, sleepless nights, sweat equity and all our financial resources to make it our home. 
We appeal to your office to please review all newly submitted documentation and our original complaint to consider this appeal. 
We are grateful for your most recent assessments and awarding against Wells Fargo on XX/XX/XXXX. 
We pray for your consideration in our matter.

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 2017-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX I asked for my credit report and they keep changing the dates on trans union has me for XXXX XXXX services balance XXXX dollars XX/XX/XXXX as this is over 7 years old or older. I dont know how something can keep showing up over and over with different dates. XXXX has me down for Social Security has me down date is XX/XX/XXXX of XX/XX/XXXX. XXXX XX/XX/XXXX should be removed an the date has been over 7 years.

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 2017-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I spoke to a Fraud specialist of Transunion and told them about the inquirys that appear on my credit history that i dont recognized .i send them a police report and proof that i didnt apply for those inquirys and nothing happen they still appear on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: World Omni Financial Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX, Ga. I placed half of the purchase on credit cards and the other half I was convinced by XXXX was a good idea to finance through World Omni Financial d/b/a XXXX XXXX XXXX. I decided to finance the remaining amount, thinking it would build my credit to purchase a new home. 
In XX/XX/XXXX, I paid {$5000.00} on the XXXX XXXX only to find out a month later that {$2100.00} was the online posted amount to pay off the loan. I took the remaining amount of money from my bank account to pay off the loan so, I sent SETF a personal check ( # XXXX ) in the amount of {$2100.00}. I would never had taken the amount from my bank account to pay off the car had they not posted the incorrect amount on their website because it would have caused a hardship for me to pay the lump sum and still make payments to them. XXXX released the lien to the state of Georgia and the State of Georgia sent me the title to the car while XXXX also sent me a payoff letter stating that I had paid the account in full. 
About a month or more after I received the title, I received an email and a mailed invoice stating that I owed them more than {$5000.00} for the XXXX XXXX and have received emails and invoices monthly for a payment. After posting a " Closed-Paid and Closed '' account status on my credit, they reopened the account on my credit report. I called XXXX and spoke with XXXX who told me that they had made an accounting error but, that I would have to pay the amount that I had contracted for. She stated that they took full responsibility for the error. Taking full responsibility is not unloading the mistake onto the consumer. 
Please help me, as a consumer, eliminate these inappropriate business and accounting practices, as it can cause financial hardship to the average citizen. Please review their business practices for illegal activity with consumers and help me by finding that XXXX has performed inappropriate activities and should zero my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Experian Information Solutions 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:
I have attached my Drivers License and SS card showing my name is XXXX XXXX with last 4 digits and the Bankruptcy filed in XX/XX/2017 is not my Bankruptcy. I had submitted previously my identity theft report along with police report. Please delete the XX/XX/2017 Bankruptcy appear on my credit report. As you can see the names do not match and SS number is XXXX. 

I'm also disputing XXXX XXXX Bank According to the report, your showing my credit limit is {$500.00} and not the {$2000.00} that the credit limit is. I have attached a copy of my recent Credit Card statement that shows my proof.. 

I've tried to submit documents via Experian.com/XXXX but it is unsuccessful.

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