BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX has the following incorrect addresses and names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX  has the following incorrect address : XXXXXXXX XXXX   XXXX XXXX XXXX, VA XXXX Transunion has the following incorrect addresses and names : XXXX XXXXXXXX XXXXXXXX XXXX  XXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX I have asked XXXX, XXXX  and Transunion numerous times to update my correct information because I do not reside at these addresses and these names do not belong to me. My requests continously are ignored. I want this incorrect inormation deleted immediately.

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 2020-09-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/20 I went to the XXXX XXXX Wells Fargo ATM machine in XXXX CA and requested {$200.00} cash withdraw. As I arrived I noticed a XXXX truck servicing the ATM machines, this site is at a former bank location and now is ATM only. Not knowing if the machines would be in service I proceeded to make my transaction and the machine appeared normal, no " not available at this time '' notices. I inserted my card, entered my pin and made a selection from the normal prompts. In this case I requested {$200.00} cash withdraw. As I took the cash out I though " this feels like more than {$200.00} '' when I counted the cash it was in fact {$400.00}. I though the machine malfunctioned as a result of something the XXXX people were doing. I have never taken more than {$300.00} and though {$300.00} was the maximum withdraw per day. As I was on my way to work and there is no actual bank at this location I figured I would access my account online after work and see if {$200.00} or {$400.00} was deducted from my account, to my dismay I discovered the bank claimed I had withdrawn {$700.00}. This is 100 % not true!!!!! I called the bank and told them the story, they said they would look into it and gave me a temporary credit of {$300.00} while they did there research. They then notified me there was no error on there end and took my {$300.00} back. So I tried to get some help from my local branch XXXX XX/XX/20 XXXX who requested to reopen my claim, then I was contacted by phone XX/XX/20 and told the claim was denied and it would not be investigated any further.

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 2021-10-11
Company: Diversified Adjustment Service, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Around XX/XX/2021 There was a debt added to my credit report in the amount of {$1900.00} from Diversified ADJ SVC, XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. 

I sent my Identity Theft Report to them on XX/XX/2021 because I did not recognize the alleged debt. I received back a letter from XXXX Fraud Management stating that they have completed an investigation and have denied my notarized Identity Theft Affidavits, forms, and identification that was sent to Diversified ADJ SVC originally. 

On XX/XX/2021, I responded to XXXX Fraud Management challenging the accuracy of this record and asked for them to send me proof that this account was opened under my SSN and not an EIN. I asked them in writing that if they could not produce said documentation that they remove this item from my credit report immediately. 

On XX/XX/2021, I received the same letter back from XXXX stating they denied my claim. 

This debt was not established by me under my social security number. XXXX is choosing not to submit to me the required documents that are related to this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The problem is with EQUIFAX I was denied credit with XXXX XXXX by EQUIFAX and requested a free credit report and score and an explanation why. My original complaint # XXXX-XXXX dated XX/XX/XXXX. Their first response was a request for payment contrary to my being entitled to a free report. I objected to this request by initiating a complaint with the CFPB. EQUIFAX sent me another request for more personal information but no report, score or explanation again. A few days later, EQUIFAX finally sent me a history of all my credit transactions. ALL of them were shown to be paid in full AS AGREED, indicating a perfect record. But still no SCORE or EXPLANATION for the denial. Why is it so difficult to tell me???? Their last number, a confirmation # XXXX, dated XX/XX/XXXX 


XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: ALLY FINANCIAL INC.
State: CO
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 applied for and received a auto loan for a used car. Subsequently I received a letter from ALLY Bank referencing credit freeze on my record with XXXX, which I authorized and their letter also reference XXXX XXXX. 
XXXX reported incorrect credit score and incorrect factors which affected my score as reported by XXXX. 
I have never heard of XXXX, never authorized them to be used or consulted regarding my credit score.

Their information is incorrect and there is no way to reach them without disclosing too much personal information. I do not want to release personal information to a company I have not chosen to use nor one I have never heard of. 
My credit score is readily available from XXXX XXXX and XXXX 
I my records deleted from 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 2020-10-13
Company: Chime Financial Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I received an email from Chime stating that I received a card and I never did and when I reached out to them they refused to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Friday XX/XX/2019 I spoke with XXXX XXXX regarding my credit report and inaccurate information thats reporting continues to shows verified. Also, my other concern was the unauthorized hard inquiries reporting on my credit report. He stated that I can not dispute my inquiries. I will have to contact the creditors. However, I explained that a few of the creditors I have been unsuccessful reaching due to inaccurate phone numbers. Also, I spoke with XXXX XXXX Bank and XXXX stated that he sent the request to delete the inquiry due to my complaint. I requested to speak with the Special Handling Dept and he stated they were closed and to contact them Monday. I also requested to remove all disputed remarks on my accounts. Today, I spoke with XXXX in Special Handling and still no success. I have reiterated the same issue and she noticed that a few accounts did not have valid contact information for a consumer to dispute. However, she still chose not to investigate. Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose for doing so since I did not apply for employment with your organization nor did I request credit from your organization.

Based on the evidence in my possession, this inquiry was performed under false pretenses.

I do hope that we can settle this matter. I request to remove the inquiry within one ( 1 ) business day of the receipt of this notice. Or will pursue further legal actions.

Here are the unauthorized inquiries : 1 ) XXXX XXXX XXXX 2 ) ALXXXX XXXX XXXX ( 2x ) 3 ) XXXX XXXX 4 ) XXXX XXXX XXXXT 5 ) CXXXX XXXX XXXX 6 ) XXXX XXXX XXXX ( 2x ) 7 ) XXXX XXXX XXXX 8 ) XXXX 9 ) XXXX XXXX XXXX 10 ) XXXX 11 ) XXXX XXXX   12 ) XXXX 13 ) XXXX 14 ) XXXX XXXX   EXPRESS PLEASE MAIL A COPY OF THE DELETIONS.

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 2020-09-24
Company: Paypal Holdings, Inc
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I gave PayPal my bank account information for the sole purpose of paying my PayPal credit card on XX/XX/2020. On XX/XX/XXXX, PayPal attempted to use my bank account to process an unauthorized charge from XXXX for a anti adware software that I had cancelled months prior. XXXX acknowledged that it had been cancelled. PayPal 's system keeps attempting to process the same charge but has started changing the name submitted to try to bypass the stop payment by the bank which is still ongoing as of today. In an internal message sent to me by PayPal they acknowledge that this charge that was unauthorized by me and stopped by me was still showing active in 2 places within their system. PayPal claims that has been closed and even though they have received the funds back from XXXX, they are still attempting to collect the funds from my bank. PayPal 's automated system doesn't even show the ongoing attempts to collect the unauthorized funds for me to dispute. Most importantly, PayPal will not allow me to remove, delete and disconnect my bank account from their system. This is abuse of power and fraud. I should not have to close my bank account of 20 years because of PayPal using it for unauthorized charges!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
The Title sent to me said I owed XXXX dollars. From the XXXX XXXX they sent me is full of incorrect information. The beginning balance was XXXX dollars. From XX/XX/XXXX the balance remained the same after being paid Each Month until XX/XX/XXXX. XX/XX/XXXX when balance changes. Then there are months of without them recording my payments. Then the XXXX XXXX charges, late fees, that Never Happened. I always used Debit Card. This is Fraudulent Accounting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On Monday XX/XX/XXXX I received an email with the following offer : " Open a Citi Accelerate Savings   Account with this exclusive offer Get started with : 2.36 % Annual Percentage Yield as of XX/XX/19. 
Plus, you can earn:10,000 XXXX XXXX AAdvantage bonus miles with required activities. '' The required activities were as follows : Earn XXXX AAdvantage bonus miles in two easy steps : 1.Open a new Citi Accelerate Savings Account with no limit on earnings. 
2.Use the Citi Mobile App for XXXX and log in to your new account at least two times within 30 days of opening your account to earn the XXXX AAdvantage bonus miles. 

I opened an account through the link provided in the email as I was instructed. I funded it and I made sure to download the app and check it multiple times, way more than the two times required because I wanted to make sure I qualified for the offer. 

I then called Citi to inquire on XX/XX/19 and was told that no such offer existed. I asked to speak with a manager who put me on hold and then came back with the same answer. I told them I was looking at the email with the offer terms as we spoke. I asked for an email address to forward the email as proof of the offer. She wouldn't give one out. I asked to transfer my call to whomever handles these offers. I was informed it was " the promotions department ''. I asked to be transferred to the promotions department and was told that they wouldn't accept my call. 

I was told I could open an inquiry and I did so. I received a letter in my account messages stating I didn't qualify for an offer that was completely different from the one I had originally inquired about. 

I feel completely misled by these bait and switch tactics. I did exactly as I was told to qualify for the offer and I would like my XXXX American  AAdvantage miles.

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 2019-05-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: KS
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 I purchased a cashier 's check in the amount of {$1100.00} for my regular mortgage payment. After leaving my bank, I noticed that I had had it made payable to XXXX XXXX XXXX XXXX XXXX, rather than Penny Mac Home Loans. I marked through the " XXXX '' and wrote " Penny '' above it. The check was mailed. On or about XX/XX/2019 I received a letter from PennyMac Loan Services, LLC stating that the check had been returned to my financial institution as " unpaid '' and that I needed to submit a payment. After receiving this letter, I tried contacting PennyMac on a weekly basis to see what had happened with my check. On XX/XX/2019, I went into my bank and spoke with an officer with the bank. She explained that the check had NOT been returned to the bank as " unpaid '', instead PennyMac deposited the check into their account with XXXX XXXX XXXX She assisted me in contacting PennyMac, and on XX/XX/2019 provided a copy of the front and back of the paid check. She also contacted, with my permission, PennyMac to try and resolve this issue. Over the past two months, at least four attempts have been made by myself and my bank officer to try and get this resolved. Representatives at PennyMac will tell me that the situation has been " escalated '', but that I am due for what amounts to the XXXX payment. Last Thursday, XX/XX/XXXX, I received a phone call from a XXXX at PennyMac who stated that the payment had not been made, all investigations were complete, and that if I did not make another payment I would be turned over to a collection agency, late charges assessed, and reported on my credit. I have made more than adequate efforts to resolve this issue. PennyMac deposited the check into their account, and without it being returned by the paying bank, it was a properly payable check, and yet they refuse to resolve this issue that they ultimately created in XX/XX/2019 ; it is now XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary ATTENTION : XXXX has notified XXXX XXXX XXXX to cease and desist all collection efforts against Mr. XXXX. PLEASE REMOVE THIS ITEM 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 explanation
Consumer complaint received 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Be it Notice to all, I am a consumer pursuant 15 usc 1681 ( a ) ( 4 ) and my federally protected rights have been violated. I have NEVER signed a " contract '' or PROMISSORY NOTE with XXXX XXXX XXXX. I believe them to be a 3rd party debt collector. I DEMAND to see a certificate of indebtedness as pursuant with 18 usc 8 all bills and certificates of indebtedness are the obligation of the federal corporation the United States. I also have NEVER given my written or oral consent for this item to be furnished on my consumer reports as pursuant with 15 usc 1681b. These violations are punishable by fine of {$1000.00} each pursuant 15 usc 1692k. I DEMAND that these items be removed from my consumer report as well as a refund for any funds this company coerced me into false paying them or pay me {$10000.00} for every minute that the alleged debt has been on my consumer 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 2018-09-10
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: Personal information incorrect

Complaint:
Incorrect phone numbers appear on my account.

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 2018-09-10
Company: Experian Information Solutions Inc.
State: PA
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 sent a letter on XX/XX/18 requesting XXXX XXXX XXXX XXXX to validate charge off of {$8600.00} and of another amount of {$5700.00} with similar situation. Never received a letter in regards to validation. A copy of the letter is attached.

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 2021-10-11
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We submitted our file for loss mitigation review. Our loan has not been modified. We fell behind due to medical issues and an accountant mismanaging my self employed business earnings.I am now on a payment plan wuith the IRS and i submitted this proof of hardship. To top it off, when covid hit, we shut down completely. This has been an extremelydifficulttime for us. On XXXX first we were advised by XXXX XXXX, that we needed to update the XXXX form and that they did not receivemy profit andloss. We resentin the information and got confirmation that it was received by Fay. Since XXXXWeve called continuously and were advised by each and every rep that the file is being reviewed. XXXX were suddenly advised that the file is now just sitting there. The representative also advised that they will not be reviewing the file as its too close to the sale date. All of a sudden they stopped the review of my file? Why when we called in weekly we advised that the file was being reviewed. How do they just stop doing their job?? How has every single representative given us inaccurate information? It is very obviouswhat is going on. Fay Servicing was dual tacking which is illegal.Dual tracking '' occurswhen a mortgage servicer continues to foreclose on a borrower 's home while simultaneously consideringthe borrower 's application for a loan modification or other foreclosure avoidance option.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
On or about XXXX of 2019 I contacted CIT Bank about 2 large IRA 5 year CD 's I had coming due in both XXXX and XXXX. I wanted to both negotiate renewal and combine the CD 's at either CIT Bank or another institution of my choice consummate with interest rates and terms offered. I was informed that CIT Bank would notify me by email and USPS mail with the terms and conditions of renewal and allow me to change them if necessary. I explained that given our intense schedule it was important I be notified in a timely manner as my Wife is a 25 year XXXX American Veteran being supplied with a Military Service Animal and we will be out of the country late XXXX to Early XXXX on a Transatlantic cruise. During our cruise I had Internet access and did not get any notifications from CIT. I check my Spam daily to prevent missing anything. I also am signed up with USPS Informed Delivery which provides me with an image of every piece of USPS mail I get in my box daily. For a period of 60 days I received no mail from CIT Bank at all. When we returned from our trip I checked the 2 accounts and they were auto renewed for 5 years with an interest rate reduction from 2.42 % to 1.74 %. I called CIT Bank and they verified both my email and street address and they were both correct. They claimed they mailed a renewal form and never got any return mail. They only offered to cancel the CD 's with a significant penalty as the total almost {$39000.00} combined. I escalated to a Manager who only offered to reduce the term to one year at 2.20 %. I explained I have an offer with another bank of 5 years at 3.50 % and I want them cashed in with no penalty. I informed them if they want to reduce any accrued interest already earned from the maturity dates to their lowest rate I was OK with that. They refused. They stated my 3 choices were pay the penalty, withdraw the money as an IRA early disbursement and pay the taxes or accept the shorter term. All 3 are unacceptable. Attached id an XXXX statement I got online. It is one page and shows balances only. There is no attached notification of renewal, penalties or requirements even though the statement is dated 8 days prior to the first renewal. Can you assist me in this matter?

Company response to consumer: Closed with explanation