BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency 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 non-monetary relief
Consumer complaint received 2020-07-14
Company: ALLY FINANCIAL INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After I locked into a rate ( as the loan agent guided me through the web side ), I noticed that the bank fees has increased and also lender credit was not there any more. Instead there were more to put out of my pocket. They did not notify me about it but wanted to upload paper works to move through the applications process ( emails attached ). 
When I brought that to their attention, they said the mistajke happened due to an overlap in their website due to XXXX of XXXX holiday! Finally after more e-mails they agreed to go back to my lock rate with same pay out of my pocket. 
Then the loan officer stated that he can not pull my XXXX  credit due to is is forzen. I have checked my self ayt XXXXsite and also talked to two XXXX  agents and verified that the credit file is Unlocked and not frozen. As I went back to the loan agent, he told me to go through another sister company of theirs as they only requires 2 credit scores ( but their fees are much higher! ). I am assuming that this bank advertised false rate and now they are back paddling with any excuses they can get. 
I still have 40 days locked at that rate and the loan agent is actually telling me that he will not be able to get the XXXX  credit score by himself and blaming on XXXX  ( again, I verified with experian that is not true ). 
this is a huge waste of my time for two weeks in between my job to get all the paper work submitted to them and they can not keep their advertise loan rate with the out of pocket expenses for me. First they increased the estimated cash to close without my knowledge and now they are not able to pull my credit report ( which is not Locked ). 

Kindly see the e-mail exchanges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 
154.s.c 1681 section 602 A states I have the right to privacy.

15 U.S.C section 602A section 2 It also states a consumer reporting agency can not furnished 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 2020-07-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
From XX/XX/XXXX, XXXX- XX/XX/2020 I noticed that my card was blocked at the end of XX/XX/XXXX. I was sent a letter on XX/XX/XXXX that they would soon be closing my accounts and wouldn't have any access to my funds.Apparently, there were deposits made to my account that were not associated with my account name, which flagged the fraud department I believe. However, I was told in order to lift the block from my account I was to bring proof to the Chase Branch that I was to receive these deposits. However, they never clarified what type of documents to bring in. These deposits ( $ XXXX ) were made as a wire transfer I believe. But, I was under the impression that any wire deposits or any deposits made to my account by another person would be verified by the bank. After that I was told that Chase would end their relationship with me and would soon close my account after review and would mail a check with my remaining balance. However, because I used the funds deposited in my account that weren't associated with my name I would be responsible to pay back that amount. But, I was told that my account would be sent to collections to set up payment. The issue is that all the money I had was put in Chase bank and I have no source of income now. I wanted my money that I had before the deposits were made. The original balance of my account before this was about ( $ XXXX-XXXX ) that I had saved and was a part of my unemployment that I had received. I asked if I could have my final deposits and then set up a payment plan with collections, if I was to repay back the bank. But, it seems that Chase has taken all the money in my account without providing a payment option. This has left me with no money to my name and it seems more realistic to provide the consumer with their remaining funds and to set up a payment plan with collections rather than to take all the remaining balance of an account. The representative on the phone that I spoke with could not help me or provide me with any clear answers. I would hope that I could just have my life savings back and set up a payment plan with Chase rather than being cleared out of all my money as I am currently unemployed especially during this pandemic with no other form of income than what I had in my Chase bank account. I am waiting to see if I will even receive any money back from Chase and the wait times to speak with anyone are over an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Lockhart, Morris & Montgomery Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I do not know Lockhart, Morris & Montgomery , Inc., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, nor have I ever done business with them. Still they call and use abusive language and threats. Every single month they post new collection accounts to my credit account that degrade my credit score despite a dispute in place. I have asked XXXX to stop posting the bogus hits on my credit but they refuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
For the billing statement due for XX/XX/, the amount due was {$68.00}. I paid {$35.00}. For the bill due XX/XX/, I paid {$33.00}, per the online BALANCE DUE ON THE ACCOUNT. I paid it, then receive a bill saying I owe {$1.00} in interest. 

I have two questions : Why, if you credited my payment for XXXX for {$33.00} less than 5 days after my XXXX payment, why do I owe interest? Your representative said I was 4 days late, when in fact I was paying off the card EARLY. If the balance due is {$33.00}, your company should accept {$33.00} as a final payment. A balance due is what I owe you. PERIOD. Why did you charge me interest, when I paid off the card? Interest for the ENTIRE month of XXXX was {$1.00}.

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 monetary relief
Consumer complaint received 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency 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 2020-07-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX  In the FCRA 611 - 15 U.S.C. 1681i ( 5 ) ( A ) ( i ) ( ii ) ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The number for this item has no number, how can I contact them to discuss with the about the account? 

Please remove from my 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 2017-06-22
Company: Navient Solutions, LLC.
State: LA
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 recently applied f or FAFSA after 13 years of being out of School. I noticed that I had and subsidized loan listed out with Navient per the FAFSA website  which is correct because I am making payments.   XXXX  I contacted Navient and they stated that the lo an is Unsubsidized but ha ve not presented proof. I called on yesterday and was repeatedly told the loan was unsubsidized. I called today and was told that navient would contact  XXXX   XXXX  and provide me with proof that the consolidated loan was unsubsidized. Navient charged me interest on a loan that was deferred and subsidized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: LA
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:
Per FCRA 15 USC 1681 604 A no consumer reporting agency shall furnish any information relating to any consumer if the person knows or has reasonable cause to believe the information is inacurate.

15 USC 1681 604 a 2 has also been violated. I have disputed sevral times with these companies, and they have reported the infoemtion is accurate but have failed to provide accuracy. I have attatched a copy of my consumer file. Please remove this inaccurate information. I am also another victim of a data breach. i have attatched my record.

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 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone in XXXX  and TransUnion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 

My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX My name is XXXX XXXX XXXX My phone number is 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 2018-03-12
Company: SLM CORPORATION
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Hi there, My name is XXXX XXXX and I have just started repaying my student loans. I have been paying {$25.00} each month ( or more ) to keep my interest from growing on each of my loans. Although I've been proactive in this my interest rate with XXXX XXXX is 10.75 % on my first loan of {$9700.00}, 10.75 % for {$9400.00}, and 8.625 % for my final loan of {$6100.00}. I looked into refinancing but am unable to since I don't have much of a credit history to be able to refinance. My first payments were withdrawn this past month on XX/XX/XXXX and this is not including my government loans that mount up to $ XXXX. Please let me know if you have any questions, I'm happy to pass along any additional information. 

Best, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Investigation did not fix error on my Transunion 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 2019-06-05
Company: Experian Information Solutions 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 attempted to get a personal loan due to the fact that, XXXX XXXX sent some solicitations to obtain a personal loan. I received a few solicitations and I should pick the best one to use for my personal loan. Applying for the loan, a credit check would take place to check your status, A SOFT PULL that basically will not hurt your credit. All the companies stated the same message that is a soft pull and will not affect the credit. Doing that checking with a couple companies without giving any authorization for a HARD PULL. few companies ran my credit to compete for my business and it looks from my credit report, they have ran a hard pull inquires 13 times and this in turn dropped my credit by almost 80 points. Now I am trying to refinance and dropping my credit score to a point below the 600 score put me in a very awkward position. Now I never consented to a hard pull inquires and definitely not to 13 inquires. Please I need your help with this situation. This situation is ruining my chances to refinance and causing me a very distressful position. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14
Company: WELLS FARGO & COMPANY
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:
On XX/XX/2020, I reached out to Wells Fargo in an attempt to refinance a current vehicle loan. After a hard inquiry on my credit, I was informed that I was approved and given my new monthly payment along with APR. I was told to check my mail as I would receive correspondence that way and to continue to make normal payments. After a few months I had not received anything nor did I receive emails or phone calls. On XX/XX/XXXX, I reached out to Wells Fargo to inquire about the delay. The first representative " XXXX '' informed me that Wells Fargo was no longer exercising refinance options for customers and that I should take my business to another financial institution. I asked to be forwarded to a supervisor and upon transfer was hung up on. After calling back, I asked to be transferred to where they were attempting to transfer me to which was the escalation department. After a brief transfer and a long pause, someone answered the phone with the greeting, " hello '' without identifying themselves. I explained my situation and stated my desire to have the hard inquiry removed from my credit since my refinance was not going to be honored. The escalation employee told me that I needed to write someone else within Wells Fargo despite being forwarded to the correct department able to handle my inquiry. The representative seemed to have had the impression that it was my fault that my refinance did not work out despite myself being informed by the previous representative that refinance options ceased on XX/XX/2020, which meant I was only given three days to respond to correspondence I never received. The escalation employee informed me that they attempted to call my cell phone but only got the busy signal. I find that hard to believe as my cell phone is always on me and always on therefore they would have never gotten a busy signal and I do believe this was an error on their part as they have the correct mailing address on file for me.

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 2020-07-14
Company: ACQ Holdings, LLC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a payday loan in XXXX of 2016. I made months of payments. When I asked, after many, many, many payments, what my payoff amount was, I learned that not XXXX cent of the hundreds of dollars I had paid back, for a {$600.00} loan, had not been applied to the principle. Not XXXX cent! I quit paying out of frustration at getting no explanation. We are currently in litigation. I find, in court, that most of the court cases are for EasyCashASAP. So, I am not the only person. I simply would like for their practices to be investigated. Thank you. Also, I do NOT want a response from them!! Therefore I will not be passing along my loan number. Just please check them out!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have been trying to buy a car so today XX/XX/20 I went to the XXXX XXXX and when they ran my credit to see if I qualified for an auto loan I was told I did not qualify because there were too many accounts with negative credit history on my credit. I looked through each account and there are five accounts and a few inquiries on my credit report that do not belong to me ; I don't know why those accounts/inquiries are on my credit report or who they belong to but I did not authorize anyone to open them on my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I contribute to any payments made towards these accounts. I have already filed a police report in regards to these unauthorized accounts.

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 2020-10-20
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The loandepot closed my refinance but didn't fund the loan for 3 days after the date of closing and I had to pay interest at previous mortgage company and with loan depot for same 3 days twice! 

I talked to the title company and they said they didn't get approval to do final funding for that time period and refunded 1 day 's interest but remaining 2 days I followed up with loan depot and they kind of agreed and opened ticket but now wouldn't respond for more than XXXX months and tell me anything about refund of XXXX $ XXXX XXXX $ interest per day x 2 days )

Company response to consumer: Closed with explanation