BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-13
Company: Movement Mortgage LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Loan Process/Getting Approved/Documents & Understated Costs : I want to make note that I am self employed. My husband and I were initially declined with our first lender due to that. We had to use XXXX because the listing agent saw an opportunity to send business to a friend as a negotiating tactic to give us time to find a new lender and complete underwriting our loan. 

During the process with XXXX, initial docs understated the PMI by 250 %. His assistant, XXXX, was very inexperienced and caused multiple delays ( i.e. not submitting documents according to standard procedures supplied by the bank, not submitting documents on time ). 

Neither he nor his assistant would answer our questions along the way ( i.e. updates on the status of the loan, why numbers didn't match in multiple documents, were documents submitted, questions concerning the type of conventional loan we were underwritten for, etc. ). Frequently we were told " we don't have an answer for you yet '' or " Unfortunately all I can say is that we are still working on the loan. '' XXXX understated deadlines for completion ( i.e. mortgage insurance underwriting being able to be completed in a couple hours ) to our Realtor. The morning of closing was when he and/or his assistant submitted insurance documents for approval ( avg turnaround for approval is 24-48 hours ). Our closing was delayed multiple times due to this. 

Early on in the process his assistant would give false information, my guess is due to lack of experience and knowledge in the industry or with our loan type which caused additional delays and frustrations. He expressed frustration with our asking questions throughout the process including legal jargon within his contracts. He stated we were taking time away from him working on our loan. I sent him a message stating until he answered a question about why the loan amount was changed I was not submitting a signed form. He called and yelled at me. During that phone conversation he threatened to not finish my loan intentionally ; I had a witness who was on 3-way that he was not aware of until later in the conversation. 

He was incredibly unprofessional and made sure that I felt uncomfortable and in the dark throughout the majority of the process. We had to call Movement to speak with a colleague in his office to get answers to what the agent said " were reasonable and normal questions '' and he apologized profusely on behalf of Movement Mortgage for our experience. 

XXXX had the VP of Movement Mortgage, XXXX, call me to try to intimidate me over the phone 3 times ( prior to me blocking his contact number XXXX to remove my review from XXXX versus asking about my experience. He stated " XXXX is a good guy and your review would hurt his business '', which was more important than customer relations and the liability to the company he was in his actions towards me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Skrill USA, Inc.
State: TX
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:
on XXXX we formally with a fax provided by the company, and acknowledge by them.they continued to take money from my account amounting to over {$5000.00} .They were granting a refund, but at the end refused to return the money. tried on several ocassions to reach a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This account was closed by mistake. I had intended to pay it to a {$0.00} balance with a debt consolidation loan, but the lender sent a letter to some of my creditors asking they they close the account without my knowledge or consent. I have tried repeatedly to correct this and am going through this issue with several creditors and have had no issue with most of them but I am being repeatedly told that Synchrony will not reopen the account for any reason even if the request was in error or unauthorized.

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 2020-08-27
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have paid Experian for their three bureau monitoring service. 

Since XXXX of 2020 Experian has not provided three bureau updates. I called in XXXX, I called today and a refund was denied. They could not update the reports manually and refused the refund back to XXXX. They keep billing me but do not provide the reports as advertised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-13
Company: Pinnacle Credit Services, LLC
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: Information belongs to someone else

Complaint:
m concern that my recent review of my credit report have items that I did not do nor charged .This have prevented me from future endeavors.I appreciated your time in looking into my issue and concern in a speedy way, Thank You in Advance,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After reviewing my credit reports in XX/XX/XXXX, I requested assistance in resolving continued negative credit bureau reporting that my loan is both 120+ days late, in collection or other negative reporting, all while being discharged under the XXXX XXXX XXXX XXXXXXXX ( XXXX  ) in XX/XX/XXXX, with a current XXXX balance due indicated. 

My XXXX  XXXX XXXX account, listed by the credit bureaus, continued to report false information, while the credit bureaus claim is the direct results of updates from XXXX  XXXX XXXX. It is being reported that my account is 120+ days late in XXXX ( XXXX ), after the XXXX XXXX  XXXX XXXX ( XXXX  ) discharge process in XX/XX/XXXX. 

My U.S. Dept of Edu account, listed by the credit bureaus, continue to report false information, while the credit bureaus claim is direct results of updates from U.S. Dept of Edu. It is being reported by XXXX, Experian XXXX XXXX  that my account is 120+ days late in XX/XX/XXXX. The XXXX  status under XX/XX/XXXX is " CO '' and under XX/XX/XXXX is " 120 ''. All of this, after the XXXX XXXX  XXXX XXXX ( XXXX  ) discharge process in XX/XX/XXXX. 

After attempting to find a solution by contacting numerous entities, I was unable to achieve a clear or timely response as to the responsible department ( s ) for reporting a veterans credit status, post-approval of the XXXX XXXX  XXXX XXXX ( XXXX  ) discharge process. 

Offices contacted include : Dep of Edu XXXX XXXX XXXX XXXX ( prompt 1 w/SSN ) XXXX  XXXX Loan XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX XXXX XXXX ( prompt 1 w/SSN ) Debt Mgmt XXXX XXXX XXXX XXXX ( prompt 0 w/o SSN ) I look forward to this matter being completely resolved by the immediate correction/update to my XXXX, Experian & XXXX  ; where this reporting is in error. 

Respectfully, XXXX XXXX veteran Thursday, 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 explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XX/XX/2021, I sent a letter to the courthouse asking do the report bankruptcy to the credit bureaus and I got a letter stating : They DO NOT REPORT any bankruptcies to anybody So If this the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate?? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from consumer. 
I have included letter to the court and letter from the court in this package. 
They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

According to : 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.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if 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 explanation
Consumer complaint received 2021-02-08
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX credit card issued by Citibank in 2017 was going fine until they started adding charges and amounts I did not incur, now they want {$560.00} for a credit line of {$300.00}. They have put a debt collection firm up my XXXX after I disputed the amount and tried to settle with Citibank but to no avail. 
Citibank has been a big problem as they ask for a huge amount that cant be paid then they go about painting you into a corner getting you to agree to terms that arent possible to keep until you demand they stop calling, this is after they have harrassed you for months. Then they put a debt collector on you who pulls the same stuff, it's impossible to get anything done with Citibank, they want blood when there's none to give. 
I

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 2021-02-08
Company: CURO Intermediate Holdings
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I, XXXX XXXX entered into a consumer credit transaction with Speedy Cash finance on XX/XX/2018. A consumer credit transaction is as transaction in which a finance charge is involved. Pursuant to 15 usc 1605 a finance charge is the sum of all charges I was not expecting a bill. I have been receiving bills from Speed Cash since XXXX which is a violation of 15 usc 1692b. Also, I sent them a certified letter in the mail, stating I wanted them cease and desist. They have received my letter on XXXX XXXX according to the stamp but have still got a withdraw out of my account from them on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: EQUIFAX, INC.
State: AL
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:
When the bogus accounts were first noticed. XX/XX/2019 I sent information to them as well as contacted them regarding the issues they first came back with information had been verified as accurate this information is not mine. I also spoke with a representative that stated that they would not investigate the fraudulent accounts they would send it to the creditor reporting and have them investigate it. I have notified the credit reporting agencies more than 3 times and they have yet to correct this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
The credit card company, Chase, closed my account and I can not longer use it. 
At the time is was closed the interest rate was 8.49 %. I have been making payments to pay off the balance that was due when they closed the account. 
Now I see they have raised my interest to 9.49 %. Now on this statement I see it has raised again to 9.74 %. Isn't there a law that says if they close the account I can pay off the balance that I owe under the same terms? ( 8.49 % ) I called them and talked to them and they said they can raise my interest rate even tho they closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2021-02-08
Company: RateGenius Loan Services Inc
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
In XXXX of 2020 I completed a refinance with rateGenius Loan Services , Inc. and I was told the new note holder is XXXX XXXX XXXX when I had to renew my DMV registration I was unable to because they had not paid and completed the title work process DMV keeps sending me emails of the required documentation missing and I keep sending it rateGenius Loan Services , Inc. they have not resolve this and I am scared of getting pulled over need to fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted Transunion to request a verification of information in my credit file. The following accounts are reporting inaccurately on my credit file : XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX. On credit file they are reporting these accounts are included in XXXX  in the pay status section on my credit report. In the remarks they included XXXX XXXX  and XXXX XXXX respectively. They also reported they closed XX/XX/XXXX and XX/XX/XXXX respectively. How can anyone file for to different XXXX ( XXXX XXXX then XXXX with two different creditors )? 
By law you can only file for one or there other XXXX! 

If they conducted an actual investigation wouldn't they discover these are two different XXXX? I dispute that I am liable for either of these accounts and they belong to XXXX XXXX XXXX XXXX. 

I have included documents with my legal name XXXX XXXX XXXX XXXX not 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 2020-07-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
on my loan with XXXX XXXX they reported me late 30 days for XX/XX/2020 they told me verbally on phone it would NOT be reported due to Covid I was a little late NEVER have been before I was waiting for unemployment to kick in I have never been late and was told they will not report they did and it took my score down on ALL # credit reports.

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 2020-08-27
Company: JPMORGAN CHASE & CO.
State: NJ
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:
On XX/XX/XXXX of 2020 I purchased a workout bench and ( 2 ) 90lb dumbbells from a site XXXX 

The price was very good, then started to think maybe it was too good of a price and I started to get worried. 

I received the order number XXXX confirmation email and being that I used XXXX to pay, using my credit card number I received that receipt as well. Both, showed my correct mailing address. 

XX/XX/XXXX. I emailed them asking when the soonest I can receive the item since I paid the extra expedited shipping. No answer. 
XX/XX/XXXX I email them to ask when it will be shipped and when I can expect it. No answer. 
XX/XX/XXXX I email again and state if I do not hear back on shipping details or some kind of communication that I would contact my credit card company and treat it as fraud. Again, no answer. 

I reached out to my credit card company. They issued a fraud claim and said they would look into it. In may time frame I was notified that they were in communication with the seller that that they showed proof of delivery.

The proof given was a USPS delivery notification of 1 package delivered to a mailbox in a town and hour away from me. That should have been enough to show it was not delivered. Wrong address and fitting a workout bench and ( 2 ) 90lb dumbbells in a mailbox. 
I disputed their resolution and mailed them the 3 unanswered emails and the XXXX receipt with correct address and receipt from my order, that shows the correct address. 

Chase credit cards supposedly looked into it again and determined their initial findings stand ; meaning they are treating it as non fraud and that it was delivered. 

So, If they had looked they would have seen it was the wrong address and a workout bench and dumbbells were delivered in a mailbox. Addtionally, the site I bought it from is now defunct and shutdown ; having just disappeared. I told chase this as well. 

The letter I received from chase states that per this resolution, they will no longer accept anymore correspondence on this matter. 

They amount of the purchase is {$180.00}. I chose Chase Credit cards, because of their fraud prevention. They did not protect me  and seems like they did not actually look into the matter as common sense would show this is blatant fraud from XXXX, per the receipt I received in part XXXX. I need your help to escalate to someone at Chase who has the common sense and authority to look at this again. You would think Chase would have looked into this and to protect its consumer. It appears they did not look into the matter, due to the blatant signs of fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-12
Company: PRESTIGE FINANCIAL SERVICES INC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In response to Prestige administration Chief Officer MrXXXX XXXX on XXXX XXXXand contacting him at XXXX. 
I don't have no contact with him as Prestige has violated my ADA Disability Civil Rights under Department of Justice. 
Prestige has no right in trying collecting {$10000.00} from me as the vehicle was return in excellent condition and Prestige knows that I am XXXX Lifetime and Retired and State and Federal Courts Judge orders of my Lifetime XXXX was provided to Prestige Administration. 

Prestige needs to delete the derogotory collection on my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX immediately. Charge Off/Collection. Prestige has implemented Charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: WELLS FARGO & COMPANY
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I am writing in regards to an old XXXX Loan that I received in XX/XX/XXXX. This loan was transferred to Wells Fargo and from there the problems began. When I signed my contract with XXXX it stated that I had either 180 days after the time I graduated or no more than 5 1/2 years after the Disbursement date to start repaying listed in the contract. I signed the contract with XXXX in XX/XX/XXXX. Wells Fargo violated this contract by attempting to collect it in XXXX while I was still in school and under the 5 1/2 years deferment period. According to the 66 month term while in school they should have not started to try to collect until XX/XX/XXXX as that is 66 months or 5 1/2 years after disbursement. Wells Fargo was unwilling to  work with me to help get my account straight and was a nightmare to work with. They have recently charged off my account and I want them to remove the Charge off from my account as they violated their own contract by attempting to collect prior to the date specified in the contract. I am in possession of the contract that has this language in it.

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