BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: OK
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:
This is my Follow-up complaint to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX Balance {$12000.00} ; XXXX  XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Southwest Business Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX I have been with SWBC for over 5 years. I have always used SWBC budget drafting and never had an issue until now. In XX/XX/XXXX, I refinanced my property at XXXX XXXX XXXX XXXX XXXX, GA XXXX and set up bi-weekly payments ( via automatic payments ) with SWBC in XX/XX/XXXX. 

Recently, I received a notice that I have a past due amount of {$2200.00} ( which is for the total month of XXXX. ) After speaking with XXXX customer service agents, they can not explain why the budget drafting did not occur. However, everyone sees my payment in XX/XX/XXXX of {$2200.00} which was required to establish the auto-draft to meet the XXXX month payment ahead requirement. 

Since SWBC did not set-up my budget drafting, I now owe {$6700.00} ( this includes XXXX and XXXX payment plus another {$2200.00} to reset auto drafting. ) Because the organization made an error with setting-up the auto-draft, I should not have to pay another {$2200.00} ( to be one month ahead ). I understand I need to pay XXXX and XXXX payments. I asked to make a payment arrangement via auto -draft so that I can pay for XXXX and XXXX. Additionally, I need my auto-draft to start this Friday ( XX/XX/XXXX ). 

I informed the company that I was sending an official complaint to the consumer financial protection bureau. 

I appreciate your attention to the matter and look forward to hearing from you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
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 belongs to someone else

Complaint:
I sent a request to Equifax Information Services, LLC and XXXX  XXXX XXXX XXXX  XXXX to have various discrepancies on my credit reports properly investigated and to have my information updated on XX/XX/2021 and never received any notice of such investigation from either company. I went online to their websites on XX/XX/2021 and attempted to dispute the information that way and they both are claiming to still be investigating. My credit reports are still very inaccurate and it is preventing me from getting decent credit offers and opportunities as I am currently in the process of purchasing a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 non-monetary relief
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15USC 1681 section 602 states i have the right to privacy 15 USC 1681 SECTION 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction 15 usc 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose

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 2022-02-28
Company: GUARANTEED RATE INC.
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My house significantly increase in value due to the renovations completed on the house. The valuation done by local tax collection department and also a fair value letter that was sent directly by the mortgage company showed that the house almost doubled in value and thus XXXX dropped significantly. Thus, I've reached out to the mortgage company in the beginning of XX/XX/2022 asking to remove PMI. The request is still with the mortgage company with no progress. I also can not get information on what is the reason of the hold up and by when this is going to be completed. Every time I call- which is weekly, they keep moving the date by when they expect this to be resolved. The request has been expedited XXXX weeks ago, but this did not seem to help. Meanwhile I keep paying PMI and I no longer should be paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: PNC Bank N.A.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I purchased a car on credit through Compass bank or better known as BBVA in XXXX of 2019. I have always paid my note ahead of time. I paid my loan up for 6 months and still made on time payments every month. Apparently, PNC bank purchased BBVA at some point and I had no clue until I got a bill that looked unfamiliar. So I called them and the lady explained that transition had happened and that I am behind on payments with them. I explained that cant be so and asked her to check financials of bbva to confirm. She said she didnt see any payments and that prompted me to ask, did I have a contract with them stating that I owe them any money at all. She said no, we dont have paperwork saying you owe us, we just simply purchased the company and took over the files. I asked, how did you get all this information on me but didnt get my payment history. She said we have what bbva gave us, which was inaccurate. I immediately went to the app to show her proof but bbva had wiped my account out. So I then asked for proof on paper that I owed them. I asked her to validate the debt to be sure Im paying the right people and to ease my mind before I pay someone whos scamming. I never received any documentation proving wholeheartedly that I owe them ( PNC ) anything. No contract in place at all and I feel like I wasnt in the wrong for confirming who Im paying and why before I did. After not proving anything, 3 months later, they repossessed my car at XXXX which is against the law as well. They never sent me a notice saying it was out for repo which is against the law on top of demanding money with no contract in place which is against the law. They did not follow common law nor consumer law so I feel like I should make an example out of this situation legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
jefferson capital system pushed fraudulent documents through courts said they served me at home but I was XXXX  I have copies of fraud documents and you can confirm I was in XXXX  you can confirm at XXXX they claimed to serve me XX/XX/XXXX XXXX in XXXX   from XX/XX/XXXX to XX/XX/XXXX this is intentional fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX  XXXX Balance Owed : {$21000.00} XXXX  XXXX Balance Owed : {$21000.00}

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 non-monetary relief
Consumer complaint received 2022-02-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for the Southwest Chase credit card when I was prompted to at checkout on Southwest 's website. The promotion was about a {$200.00} statement credit after first purchase, and then a miles promotion after spending xyz amount in the first few months. I was most interested in the {$200.00} statement credit, which shouldn't have an expiration date, according to the fine print. I got my card back in XXXX, paid the annual fee, but haven't had a reason to use the card until now ( booking flights ). I called a Chase representative to ask about my {$200.00} credit and she claimed I never had the promotional offer in the first place. I know this happens to a lot of people and I feel a little ridiculous falling into the trap, but for a company as big as Chase and Southwest, it seems absolutely ridiculous they can get away with this. I would cancel the card, but I don't want to ruin my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Remove the inaccuracy reporting on the following accounts : XXXXXXXX XXXX XXXX****, XXXX/XXXX  XXXX****, XXXX XXXX****, XXXX XXXX****, XXXX/XXXX XXXX****, XXXX/XXXX  XXXX****, XXXX XXXX XXXX****, XXXX XXXX XXXX**** ... 3 credit bureaus showing different high credit balance, where are these numbers come from? Remove the accounts because the payment did not show the correct history

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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I made the decision to close this credit card after numerous issues with XXXX XXXX issued by XXXX XXXX XXXX. I contacted them via phone to initiate the account closure and at about the same time revoked account access to my checking account with XXXX via a XXXX XXXX XXXX called XXXX. This app enables a company to see an account holders balance and transaction history within my personal checking account. The day of that call and prior to closing the account I used the lenders app to initiate the payment of the majority of the balance due them. 

Within days of closing the account I no longer had access to the XXXX XXXX XXXX or website for current account balance and to make debit payments from my XXXX  XXXX  account as payment to XXXX  XXXX. This lender also does not accept payments pushed from my bank to them via XXXX. I should also mention that auto pay was set up on this XXXX account to ensure that a payment due was never missed. 

Based on my experience, conversation with XXXX bank and my numerous attempts to get answers from XXXX, it appears that when I revoked permissions via XXXX this lender automatically stopped sending XXXX debits to XXXX for payments whether payments I requested or auto payments. They simply stopped and as a result have reported my account as delinquent, charged erroneous finance charges, refused to resolve the issues and made numerous claims that my bank reversed payments when in fact they reversed the payments and never submitted them into the XXXX clearinghouse. 

I was able to pay them {$320.00} via check on XX/XX/XXXX check number XXXX. They did successfully apply that payment to my account but now insist that i still have a balance for finance charges. They have also reported the account as 60 days late to the credit bureaus.

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 2022-02-28
Company: Santander Consumer USA Holdings Inc.
State: CA
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 loan was/is for a XXXX  XXXXXXXX XXXX XXXX The loan was a 72 month term paid via automatic withdrawals from checking account. The problems are with the last payment. 

Problem # 1. The last payment was not taken automatically as the first 71 payments were.

The payment was less then a full payment but not taken out. I called to inquire as to why this happened and was told this was " company policy '' as the amount was less then the full payment. This was never communicated to me in any way and I was forced to call a toll free automatic time waster to resolve and make a manual payment. 


Problem # 2 After wasting time on the phone I had to make a payment online that was a manual electronic payment. I have a confirmation number. Now the company is refusing to send the title for 20 business days after the loan is paid in full. The finial amount due and payment are the same. The customer service rep was on the phone with me while I entered the exact payment amount required to pay off loan. The fact the loan is paid in full is not in dispute. What is in dispute is they are refusing to immediately send the title, stating the " company policy '' requires 20 business days to release title plus mailing time. It is my understanding that California law required the title to be immediately handed over to the customer upon full payment. While I accept a few days delay 20 days is excessive. Again the fact the loan is paid in full is not in debate. 

The XXXX XXXX Santander Consumer USA XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over XXXX months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section XXXX -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per XXXX XXXX  XXXX prior to accounts being on my credit report, within XXXX days. Moreover, these accounts violate debt collections, abusive and unfair practices per section XXXX ( XXXX ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Both I and my spouse attempted to place a credit freeze with Experian. In both instances, we were denied to do this online. We had no issue with XXXX  or XXXX. 

The reason to do this as soon as possible is because I was contacted by a credit card issuer to confirm if I had requested a credit card from them which I did not. 

Thank you 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 2018-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
When attempting to close on the sale of our home in New York state, it was determined that Bank of America, failed to file a " discharge '' of the lien within the 30 day period allowed by New York State. We were then forced to purchase " title insurance '' for {$1100.00}, plus additional attorney  fees, delaying our final closing for several days. We filed a complaint with New York State Department of Financial Services asking for {$1100.00} + costs to reimburse us the additional monies we had to put forth to close on the sale of our home. Now, Bank of America, is requesting ; The Account Number of the loan ; full name and property address ; full name of the attorney representing us ; the date of expiration of our claim ; and a Statement authorizing Bank of America to contact our attorney.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: WELLS FARGO & COMPANY
State: WI
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: Problem with personal statement of dispute

Complaint:
CFPB CASE XXXX XXXX  CASE XXXX Date : XX/XX/XXXX Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, Wi XXXX Date of Birth : XX/XX/XXXX SSN # : XXXX Wells Fargo XXXX XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX : XXXX XX/XX/XXXX RE : REQUEST TO UPDATE CREDIT REPORT, PLEASE RUSH LOAN PENDING To Whom It May Concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove the disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed, to begin with or are no longer in dispute. 

I am asking the dispute comment to be removed from the following items : XXXX CARD SERVICES XXXX Once again ; This is not a request to investigate, but to update so I expect you to update my file as soon as possible and not the regular 30 day period you are allowed for disputes Truly, 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 non-monetary relief
Consumer complaint received 2020-03-04
Company: CITIBANK, N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My small business account was frozen by Citibank which decided ( arbitrarily ) that the business location I work from is a virtual location based on the address. The location I work from is a part of a shared office space, and has both physical offices as well as virtual offices. I use a physical office. 

Without notice, the account was frozen and I did not discover the freeze until I received a notice from an outside vendor of a rejected automatic payment. Upon contacting Citibank, the person in their branch was extremely helpful in trying to resolve this issue, as it was another department that had initiated this freeze.

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 2022-02-08
Company: Spring Oaks Capital, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with non-monetary relief