BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-25
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank 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 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2018-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Transunion and XXXX have lowered my credit score for no reason, AND ITS ERRORS, I have my credit card since XX/XX/2017 and have never missed a payment, and account always said ''good standing '', my score was a XXXX in XX/XX/2017 and went down to a XXXX, it should have gone up, so whats the problem i ask, why did they lower my score, since then i closed the account over 2 weeks ago and its showing a XXXX balance IS TOTALLY WRONG, THAT WAS A SECURED CREDIT CARD [ my money ], AND THE BANK SENT ME A CHECK FOR XXXX CENTS AND CLOSED THE ACCOUNT UPON MY REQUEST, NOW I WANT MY CREDIT SCORE RESTORED TO WHERE IT WAS BEFORE, this is total XXXX with major fraud, see pics of proof,

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 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The items listed are not my items

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 2019-09-23
Company: Finance of America Mortgage LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a cashout refinance mortgage loan with lending.com, through Finance of America Mortgage LLC on XX/XX/2019, promptly submitting all requested documentation. My husband and I have successfully finalized approximately 30 mortgage applications, 2 within the last 5 years, so we are very experienced with this process. This is the first consumer complaint I have filed in my lifetime. 

I complied with the stated request from the prospective lender : Here is what we need you to do for uswith the IRA asset in your name., we need you to set up a distribution of so we can get an approval. Once you close and this has funded, you can discontinue to the IRS ( sic ) distribution at your convenience.

Once that was done, the prospective lender issued a Closing Disclosure, issued XX/XX/2019 with a closing date of XX/XX/2019, with a loan amount of {$270000.00}, interest rate of 4.125 %, with points at .375 %. 

A few days later, I received an email which said I did not qualify for the loan specified in the Closing Disclosure after all ( which had been offered to me if I set up the IRA distribution ). Rather, I qualified for a significantly smaller loan. Additionally, I was offered 4 other loan options from which I could select. 

I called the president of lending.com, and discussed the numerous errors made by the lending staff throughout the application/closing process, most of which are documented by approximately 200 emails. 

Among the many errors are a {$700.00} appraisal fee as opposed to the {$470.00} signature-authorized VISA payment. Additionally, when a {$33000.00} closing cost was challenged by me, the lender explained it was only a typo. 

I told the president of XXXX that I believe I am a victim of age/sex discrimination in this transaction since I am a XXXX year old woman sole applicant. He said he would have two senior officers review my file. 

A few days later, I received yet another Closing Disclosure, issued XX/XX/XXXX with a closing date of XX/XX/XXXX, with the same loan amount, same interest rate, with points now at .5 % ( an increase of {$350.00} ) which I signed and submitted, pleased that the lender was honoring the companys previous commitment. 

The lender responded to my approval regarding the Closing Disclosure ofXX/XX/19 by  stating : That was simply a redisclosure. We need you to choose one of the 3 options that I gave you to move forward. ( 1 of the 4 options seems to be no longer available. ) We extended it for a short amount of time as a favor to youlikelihoodthere will be a significant cost to you to extend again ( He made no mention of the increased cost of {$350.00} ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-23
Company: U.S. BANCORP
State: DE
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
U.S. Bank tried to pull a quick trick and charge me for the plates that was returned on the vehicle at XXXX 'S XXXX AND XXXX in XXXX CT. They called the plate fee a lease termination payment due in which the vehicle was already returned and the account closed six months before they sent me their fake lease termination bill. Now they are starting to hit my credit with false claims that I owe them {$870.00} in which the payment has late fees etc. This banking company should be totally ashamed of their tactics. They even have the nerve to send me invoices for there so called end of lease term statements in which I immedialely file them in a round receptacle that resembles a trash can. 

On my credit report it shows all payments paid as agreed except the fake one above that they created six months after the keys and vehicle was already returned to the dealership listed above with the plates on it. Shameful tactics this banking company uses to ruin good people credit with their complete and total lies. They need to be held accountable to the fullest extent of the law.

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 2019-11-06
Company: Open Dealer Exchange, LLC
State: NV
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 never authorized this company to run my credit bureau reporting on XX/XX/2018

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 2017-12-13
Company: CITIBANK, N.A.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received notice on the last week in XX/XX/XXXX that my mortgage was being increased from XXXX to XXXX, and this is because I am required to have flood insurance. I called XXXX XXXX for a quote and they said they could insure me for XXXX instead of XXXX what XXXX is charging me. My mortgage payment would go down instead of up. I will loose my house if forced to pay XXXX, I am XXXX and on a fixed income. I have been trying to stop payment that XXXX took out of escrow, but they are not letting me cancel. I have been working on this for 3 weeks now. I have XXXX XXXX waiting for the funds, my new policy would start XXXX XXXX 2017. I thought I was supposed to have 30 to 60 days notice. I am scrambling to save my home. Can you help?

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 2021-07-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2019 Balance : 834 Reason : Identity theft Please remove it from my Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email on XX/XX/2021 thanking me for opening a new account with TD Bank, following that email there were 3 others updating the email, phone number and address. I called the number from the email and they closed the account immediately. I went down to the bank and tried to have the account pulled up with ID but they were only able to pull it up with my full social security number. I was asked to verify another name I would have used to open the account and when I gave them my maiden name XXXX, the teller verified that was correct. I do not have nor have I opened any accounts with TD bank in well over 5 years. Once I pulled credit report I have noticed other items that should not be on there either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Recently retired from the XXXX, my wife who was looking for a job was scammed for XXXX dollars. We called USAA and they told us its our fault so we have to pay. i was unhappy with the answer but immediately paid XXXX to the bank. I then set the account aside so i can make small payments on it. I had another account for bills, i was paid my retirement check and work check totalling about XXXX. This was to go immediately to rent and vehicle payments, but on XX/XX/XXXX USAA, without an email or letter decided to take ALL of my money and paid off that debt leaving me with XXXX dollars. It has been a week and i have no money no bills paid and struggling with my mental health. they have put me in severe hardship. When i called them they told me there is nothing they can do and it can not be reversed. I just want my bill money back so my family and i can survive and buy food.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2021 {$2400.00} was deposited into my account via a fraudulent transaction. I filed a fraud claim on XX/XX/2021

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 2019-11-06
Company: Risecredit, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I have borrowed {$3100.00} from Rise Credit but have paid back to date {$8600.00}. However, my balance showing on their web page is still {$1400.00} as of today XX/XX/XXXX. I sent them an e-mail about this today but I don't expect them to budge as they never have before. 

After I made the first few payments to Rise I asked what their interest rate was since my payments were going up each month and they quoted 198 percent. If that is so, how could I still owe them {$1400.00}. That interest rate is extremely high. Rise did not inform me of this interest rate at the beginning of the loan. 

As a widow since XXXX with XXXX children to raise and educate, this has had a terrible impact on my finances. 

Can you please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter to XXXX, Transunion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 an 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 orAny 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 of 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 non-monetary relief
Consumer complaint received 2019-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 a victim of identity theft and have tried to work with credit bureaus but they are not budging and allowing this to hurt my credit profile. Please help me fix these errors.

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 2019-11-06
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My husband called company, PHH Mortgage, on XX/XX/2019 to get payoff amount & paperwork to take the lien off of our home through the home equity line. That person said they would mail all the paper work & such within the next week. In the meantime, we received our regular monthly bill which had our pay off amount listed @ {$600.00}. I paid them {$600.00} on XX/XX/2019. For some unknown reason that payment was placed in " suspension '' for 1 month. On XX/XX/2019, I spoke with XXXX who stated she would take care of the problem & she did not know why the payment was placed in suspension. On XX/XX/2019, my husband spoke to XXXX, who said paperwork releasing the lien & signing off the loan had been faxed to us. However we do not have a fax so we know that was impossible. We told XXXX the payoff date would be no later than XX/XX/19. On XX/XX/2019, my husband spoke to XXXX for 20 minutes & got no resolution so he was transferred to a manager,  XXXX, who said he would investigate & call my husband XX/XX/19. Never called. In the meantime, we " accrued '' an additional {$3.00} in " finance charges ''. I have NEVER had to work so hard to give a finance company money!! From XX/XX/XXXX until XX/XX/XXXX, & we still haven't received lien release or confirmation of additional {$3.00} we paid due to their delay!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been a loyal customer with JCPenny and have had a store card with them for several years. Synchrony Bank is now the lender for JCPenny and I recently received a letter in the mail that my credit limit was reduced from {$1800.00} to {$100.00}. I have a perfect payment history on this credit card, I have never been late. The decision was based on several factors including : Not enough balance paid down over time on first mortgage accounts. Due to the Pandemic, my husband and I had to get hardship assistance on our mortgage. This was no fault of ours that we needed to get assistance. We were assured that this would not impact us negatively if we received hardship assistance on our mortgage. Synchrony Bank/JCPenny has made a permanent decision that impacts my credit score negatively because of temporary hardship assistance that we needed during a pandemic. Synchrony Bank/JCPenny should not have the ability to lower my limit during a pandemic based on hardship assistance that I received during a pandemic, I should not be punished permanently due to a temporary hardship that was no fault of mine. There should be a moratorium on credit limit decrease until after the pandemic.

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 2022-02-02
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: Old information reappears or never goes away

Complaint:
I have no idea who this debt collections company is that bought some debt and says it was mine. Ive told the the company over and over again it got deleted and reappear. I have been trying with the credit reporting agency to get this removed and they have not been responsive to my request. 

Several police reports were sent to Experian in the past they continue to allow this company to ruin my credit. 









Report Number XXXX Date Generated XX/XX/XXXX Before After Your information may have changed since XX/XX/XXXX Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$810.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$810.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$810.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history 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 Collection Payment history guide Collection as of XX/XX/XXXX to XX/XX/XXXX Historical info Original creditor XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Additional info The original amount of this account was {$810.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Comment Current : Completed investigation of FCRA dispute - consumer disagrees. 

Previous : None Reinvestigation info This item was updated from our processing of your dispute in XX/XX/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 2023-02-03
Company: Experian Information Solutions Inc.
State: GA
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:
XXXXm being asked by experian the fair credit reporting act states 15 USC 1681 a section number 2 specifically states that under the exclusion that consumers transactions or experiences are not included in a consumers report me being the consumer have read the laws that govern the fair credit reporting act I want to know how and why when its not legal to put things on my report such as late payments when the fair credit act states its not supposed to be on my report it is unfair and illegal to report transactions or experiences when the law state that this is excluded from my consumer report this is for experian and XXXX who both clearly dont know the law and/ or the definitions the burden of proof is on the creditor but Im being told illegally to give them a police report to remove the things that shouldnt even be on my report this is for the open sky credit cards that as stated is not mines and I have never seen nor touched this card Im asking that they prove that is is me which is impossible and there asking me to prove its not me thats not my job XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX phone number XXXX XXXX XXXX in the fair credit act it say that these companies are not governed and have assumed responsibility and have not been appointed the authority to furnish these things on my consumer report please read consumer report definition this account should be deleted and removed completely from my credit report this is illegal please remove immediately from my consumer report XXXX XXXX XXXX reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I ask that the cfpb stand firm in the laws In which govern these agencies to whom is tarnishing my reputation and destroying my credit worthiness.

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