BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-04
Company: JAN (LendUSA) Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We applied for a Mortgage Loan with LendUS starting XX/XX/2020 and we gave them everything they asked for and now it's time for our XXXX payment and they told us that we have to wait 15 days to sign loan documents which will make us have a late payment on our current mortgage. We asked why does it take 15 days when everything is complete. They told us Purchases take priority over refinance loans. That seems like discrimination to me. Whether purchasing or refinancing we both are customers so why are we treated differently. I just don't think it's right. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Please see my attached letter case # XXXX. 

Please do not publish this request if American Express and merchant or manufacturer accepts their mistakes and send me a replacement of delivered defective/irregular/damage furniture with the exact furniture that they specified on their schematic, advertised and guaranteed in their catalog/website. People makes mistakes but has to accept their mistakes and handle the customer fairly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-10
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
My wallet got stolen from me in the year of XXXX to XXXX j did a police report but it being so many years back I don't think they still have it on file so what do i do if someone is using my social security card and ID and getting things put in my name like things that are on my credit report is FALSE ... I need this fixed ASAP ...

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 2017-08-09
Company: Westcreek Financial
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I went to XXXX XXXX in XXXX, MD to purchase two mattresses. I was offered a credit application so I tried and was denied. The salesperson explained that the have another payment option through West Creek financial and we are able to do 3 months 6 months or 12 payment options. This would be paid from my bank account ACH withdrawals. We explained that I wanted the 6 month option so I do n't pay as much in fees. He agreed that the less time you have to pay the better. The total came to {$2400.00} and that we had to pay {$190.00} as my 1 payment in the store additional payments for 6 months will be paid biweekly from my bank account via ACH withdrawal. Fast forward 6 months I am still paying. According to my calculations XX/XX/XXXX should have been the last payment. My wife realized that West creek financial took out a payment of {$190.00} on XX/XX/XXXX. So when I got home from work we called West Creek Financial and spoke with the customer service agent. The agent explained that we do n't have a 6 month plan, you have a 12 month plan according to our records. I said you have it here on your pamphlet 6 months and that 's what I asked for. The agent said I have to pay 80 % interest on the total of the purchase for a total of {$4400.00} over 12 months or pay them {$1100.00} today to settle the interest. I told the agent that is robbery and no I did not sign up for that. He explained that he would reach out to the financial department and see what he could do. I thanked him and he said he would call back the next day to tell me or my wife the verdict from finance. He called back spoke with my wife and said the most he could do is lower it to {$930.00} if we pay today. My wife thanked him because he tried, but told him that we are submitting a complaint with CFPB. To date we have already paid {$2900.00} that 's {$470.00} over. That should cover the fees for the 6 months. Please help me with our situation with West Creek Financial in

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-02
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I had a number associated with my paypal that I changed. It was XXXX. I wrote the XXXX  to ask Paypal to lift this so I could change my number as I couldn't get into my account. They did not and will not. At the same time, they won't let me open a new one with my banks because my banks are attached to the old account with the email XXXX, so I want it closed as I can not even get in to close it and they won't either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have receive multiple calls per day from this phone number as an auto dialer. On most occasions where I did not answer a pre-recorded message was left as voicemail. On most occasions that I have attempted to answer I get several seconds of silence and then I'm hung up on. 
On the occasions that I do get an operator on the line, I have discussed payment arrangements with them and asked that in the future they did not have permission to use an auto dialer to contact me. None of these have resulted in the calls stopping. Each time I have to ask them to check their notes and that I have attempted to make arrangements for payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: National Credit Systems,Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a debt reporting on my account from national credit systems in the amount of {$4000.00} which is not a valid debt. Its a lease agreement signed with an electronic signature, no documentation related to the lease belongs to me clear indication of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: GUARANTEED RATE INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Guaranteed Rate Inc. continues to report my account as delinquent despite claiming in complaint id number XXXX XXXX that the matter has been corrected. 

Guaranteed Rate Inc. has not corrected the interest I am being charged. They merely credited my account with 2 payments in XXXX ( rather than applying the payment they lost in XXXX when it was made ) and they removed all the late fees they had been charging. Had the payment been applied in XXXX when it was made I would have been charged less interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery Associates has 5 accounts listed on my credit report that have not been verified. I wrote a letter on XX/XX/2019 to Portfolio Recovery Associates requesting them to provide me with validation, made pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, along with the corresponding local state laws. They have continued to attempt to collect debt with failure to provide proper verification under the Fair Debt Collection Practices Act and filed a Judgement against me after they received a second letter from me written on XX/XX/2019 requesting this same verification. Portfolio Recovery Associates is not licensed in the state in which I reside in which is Michigan. It is illegal for Portfolio Recovery Associates to collect in a state that they are not licensed in. I would like the 5 accounts with Portfolio Recovery Associates to be removed from my XXXX, XXXX and XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 sent a letter to each credit reporting agency on XX/XX/2022. a 609 letter to provide verifiable proof of negative items that are listed on my credit report. I sent a follow-up after 30 days and they have yet to reply with any update. I also understand they are required to notify me of your investigation results within 30 days

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 2017-12-12
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
XXXX XXXX XXXX has been avoiding my deferment requests. I have a XXXX XXXX loan and my child is currently attending school full-time for an XXXX degree. XXXX & XXXX is not doing their due diligence by not promptly handling my requests. When I call them, they always have a different reason for how I have n't completed the correct forms, but I simply followed the instructions on their website and from their representatives over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I pulled my credit report last night and i noticed several unauthorized inquires that do not belong to me. Please remove the inquires from my report as soon as possible, for these are results of identity theft. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX, I attempted to refinance my mortgage with Wells Fargo using the HAMP program. I believe I fit into the classic reason the program was established. I was current with my mortgage ( never a missed or late payment ), but had lost my job in XX/XX/XXXX. I worked for XXXX XXXX and my annual salary was XXXX {$XXXX}. In XX/XX/XXXX I gained employment, but at a significantly lower salary $ XXXX. Through hard work, I was able to quickly increase my salary and was making $ XXXX by XX/XX/XXXX. Even with the increase, I was struggling to make my mortgage payment, but again was never late. HAMP was designed to help people in my situation. The stated intent is to modify mortgage terms so that the monthly payment is no more than 31 % of a persons gross income. At the time I requested a refinance my payment was 38 % of my gross pay. I was denied and encouraged to apply for a HARP loan. I agreed ( desperate to skip a month with no payment ). I did get a slightly lower rate ( from 6 % to 5.125 % ), but my old loan was " interest only, '' so the net was a higher mortgage payment. After the process my payment moved to 39 % of my gross income. I attempted to resolve this years ago and never got a clear reason from Wells on why I did not receive a HAMP modification. I finally dropped it, but after the recent news that clearly shows Wells did/does not have the proper governance and controls in place, I am requesting someone review my situation. I have since moved and found another lender to work with, but believe I am the victim of UDAP and there are likely others in my situation.

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 2019-03-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Dear Sir/Madam, I opened an HSBC Advanced checking account on XX/XX/XXXX because of a bank promotion of sign-up bonus of {$350.00} upon completing all qualifying activities. I completed all the required activities and the bank did not deposit the bonus in my account per the published timelines. After following up for several weeks, I was told that I could not qualify as I had an open Home Line of Credit with them in the past 3 years. 
This is not true as I requested to close this account in XX/XX/XXXX during the refinancing of my home and I have paperwork to support it. For some reason, HSBC made an error and it does not shows up as closed in their system until much later. I am getting penalized for bank error as I moved {$10000.00} from an interest bearing account to HSBC checking account with no interest with an expectation of getting the sign-up bonus. 
I will appreciate if you could help me resolve this matter. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
accordance with the Fair Credit Reporting act 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

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 2018-03-01
Company: EQUIFAX, INC.
State: SC
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, XXXX XXXX, have attempted to have Equifax obey the law section 605b of the FCRA. 
This section of the law specifically deals with identity theft and how the reporting agency has to respond and act. 
The law gives them no later than 4 business days to block fraudulent items that I have identified. Equifax has things on their file for over 6 years that are no longer being reported yet they still have them on my file because they don't do the investigation properly or act according to the law. 
The cfpb close my two previous complaints because they were duplicates they claimed and that was wrong that's because Equifax ask for more time and it's past that 45 days that you gave them and yet they haven't acted according to law. 
I want Equifax specifically to talk about section 605b of the fcra and why they do not comply with that law even though they have all the parts of the law that I need to provide. I'm going to include them again with the CFPB and Equifax needs to say why they are not acting within 4 business days to block these items. 
The items are in the screenshots are, 2 XXXX XXXX XXXX, 1XXXX XXXX, 2 XXXX XXXX XXXX XXXX, 1XXXX XXXX XXXX, 1 XXXX XXXX XXXX, 1XXXX XXXX, 1XXXX, and others claimed before

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
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:
someone use my identity to get medial attention also open several accounts using my personal info with out my knowledge I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations 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 2020-05-26
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I'm having problems getting the credit bureaus to update my current address and removing old, outdated addresses reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I have had problems with the credit reporting agency removed the items off my report and allow a company to put it back on XXXX i was a victim of identity theft and i have sent them so many documents proving all this over and over the company is XXXX and they sold the account to a collection agency and the information is not mine they took it off twice and it is back again also XXXX XXXX same issue they dont have my social in there system only my name. XXXX is on all three report im so tired of waiting on them to put it back in despute over and over this is not fair and they are not doing things according to the fair credit act. And XXXX has inquiries on my report from identity theft and they date back 2/3 year i have sent all documents in I want them removed. This is too much stress to much.

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 2020-05-19
Company: EQUIFAX, 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:
someone use my identity to get medial attention also open several accounts using my personal info with out my knowledge I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Threatening My fianc and I with legal action for an unverified and unvalidated debt. 
We owe no collection to any person or corporate entity. They are harassing with threatening phone calls. Sending mail on legal letterhead. Office is filled with un-licensed people pretending to be attorneys which is an actionable offense. I would also like a complaint send to the Bar Association and Attorney General. 

Upon researching the firm, They have various complaints of unethical and illegal tactics all over the United States. 

The company is flagrantly violating peoples rights under the FCRA and committing criminal fraud and extortion. They are also violation due process and violated the civil rights of individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Experian Information Solutions Inc.
State: SC
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 was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

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