BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-15
Company: Garrison Investment Group
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Foundation Finance erroneously opened a loan account as a third party lender for deck repair by XXXX XXXX XXXX XXXX. I was informed XXXX that the loan had been denied. In XXXX, XXXX made me aware that if there was not a verification call with Foundation, that the loan would be voided ( there was no loan to begin with ), and we would have to pay them directly. I do not have a loan, and did not complete the loan process with Foundation. I've asked Foundation to remove this account, and they've refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: Experian Information Solutions 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:
XXXX XXXX filed a correction to my creit report to XXXX XXXX. the report is wrong because XXXX have no complaint about a late charge. This was not removed from my credit report. Also experian credit report has the same erronance report on my credit file. I would appreciate this error being resolved.

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 2020-10-21
Company: Ralis Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or before XX/XX/2020 I made an inquiry to Owning to refinance our home mortgage. I provided all of the required information to the representative, XXXX XXXX. I told the representative two very crucial factors : 1. My husband has lost his primary employment due to COVID but was woking as pert time adjunct faculty at XXXX XXXX XXXX University, and was still subsequently receiving unemployment benefits. The representative stated that this should not be an issue so long as he was still employed. 

2. My husband and I attended XXXX XXXX  and had federal student loans. Since the cost of law school is so extensive the monthly payment that is reported on our credit report is far beyond what we actually pay. I explained to the representative that we only pay 10 % of our income as we are on a federal income baed student loan repayment program. She said she would communicate this information to the underwriter. This is imperative because in the calculation of our debt to income ratio the representative stated that we were over the threshold of 50 %. Yet our student loan debt reported was in excess of {$1600.00} for my self and my husband in which we pay XXXX and XXXX monthly respectively. 

I asked the representative to communicate this to the underwriters and to let them know that we would provide authenticating payment history of our student loan payments, income based repay-payment plan, and any other supporting documents and I was told to " contact the credit bureaus to fix an inaccuracies ''. 

I can not be the first borrower who is under an income based repayment plan. We have never run into this issue in the past with other lenders. Also, I have never received notification of the denial or the reason for the denial. I only found out this information after i contacted the representative directly. 

The responses that I have received from the representative have been very antagonistic and almost accusatory that this is my issue that I need to resolve. I have never come across a company that was so unwilling to assist in a home refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: MD
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 following accounts listed below has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Md XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX NJ XXXX XXXX U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 SECTION 604A Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-08-09
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo falsely and fraudulently adversities an incorrect and made up limit for new XXXX recipients who have been verified that they later refuse to honor - ostensibly for my protection. However, when I called to ask what was the issue the phone bankers had no answer. Thus, the only valid answer is that Wells Fargo is extremely disorganized and has no idea what its doing, or worse, I am being illegally discriminated against and Wells Fargo is covering this up now by feigning extreme incompetence just like they did in the fake interview scandal that is now being criminally investigated. At the very least, this issue should have been escalated and investigated- which it was not because maybe Wells Fargo is just a lazy bank.

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 2022-02-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The company is reporting an incorrect high balance on my credit report. I have sent multiple letters to them in regards to this. They have failed to respond which is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account was deleted and Re-inserted onto my credit reports. I am including documentation to support my claim of violating my Re-Insertion rights per the FCRA. I was never notified in writing that this account would be re-Inserted. There will also be a document that was received from the Creditor when I asked for Validation and their refusal to investigate the account.

The Credit Reporting agencies are also refusing to Validate the accounts by providing me with a contract with my signature of said account. 

XX/XX/2019 Dispute sent to the Credit Bureaus disputing the account listed on my Credit report. 
XX/XX/2019 dispute results received and the accounts were removed. 

Since the accounts have been Re-inserted without explanation or Validation. 
Please Delete per FCRA 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 2022-12-21
Company: Experian Information Solutions 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 : This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2020-10-21
Company: JPMORGAN CHASE & CO.
State: NV
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, my husband and I leased a vehicle through XXXX XXXX XXXX XXXX/JP Morgan Chase Bank, N.A. A copy of the lease is attached. 

Section 6 Lease Payments clearly states our first lease payment in the amount of {$1000.00} was made that day, to be followed by 32 payments in the amount of {$1000.00} each, totaling {$35000.00}.

INSTEAD OF 33 PAYMENTS IN THE AMOUNT OF {$1000.00} TOTALING {$35000.00} AS CLEARLY STATED IN THE LEASE,  XXXX  XXXX XXXX XXXX/JP MORGAN CHASE BANK, N.A., COLLECTED 34 PAYMENTS IN THE AMOUNT OF {$1000.00} TOTALING {$36000.00}. 

The automatic withdrawal of the lease payments from our bank account began on XX/XX/XXXX and should have ended with the XX/XX/XXXX withdrawal. Instead, and although the leased vehicle had since been turned in, XXXX XXXX XXXX XXXX/JP Morgan Chase Bank, N.A. deducted an additional payment in the  amount of {$1000.00} on XX/XX/XXXX. 

I phoned XXXX  XXXX XXXX XXXX/JP Morgan Chase Bank, N.A. in XX/XX/XXXX and informed them of this error. They acknowledged the error and stated a refund would be issued to us in the amount of {$1000.00}.

When the refund was never received, we followed up with XXXX XXXX XXXX XXXX/JP Morgan Chase Bank, N.A. Instead of refunding the amount of the additional payment of {$1000.00} to us, we were told the credit had been issued to XXXX XXXX XXXX XXXX, the dealership to whom the leased vehicle had been returned. In speaking with XXXX XXXX, the General Manager of XXXX  XXXX XXXX XXXX, the dealership has no record of receiving this credit. 

Although the lease was in our names and the money, including the overpayment, was withdrawn from our bank accounts, the representatives at XXXX XXXX XXXX XXXX/JP Morgan Chase Bank, N.A. were extremely rude, condescending and refused to provide any details on our lease transactions or payment history. When we continued to press for details, they hung up on us.

I am attaching redacted bank statements indicating the first lease  payment being withdrawn from our bank account on XX/XX/XXXX and the last lease payment being withdrawn from our account on XX/XX/XXXX as proof that a total of 34 payments, not 33 as  stated in the lease agreement, were paid or withdrawn from our account by XXXX XXXX XXXX XXXX/JP Morgan Chase  Bank, N.A. 

The vehicle was purchased from XXXX XXXX XXXX XXXX/JP Morgan Chase Bank, N.A. by XXXX XXXX XXXX XXXX, the dealership who accepted the lease return. Therefore, there should be no disposition fee.

I would request that the overpayment of {$1000.00} be refunded to us immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-21
Company: Shellpoint Partners, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been overcharge by Shellpoint  Mortgage for fees and late charges as of XX/XX/XXXX in excess of {$1800.00}. I've asked several times for an explanation since XX/XX/XXXX from the company, but have not received a response. I charges are incorrect and without merit. I have had this mortgage for over 20 years and I have experience nothing but problem since it was transferred to ShellPoint  Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Someone has all my information my social security number. My emails and passwords And my checking account information. There has been money withdrawn. And loans taken out in my name that I never authorized. And emails sent from my email. Ive also had quite a few reversals in my account that I would never dispute because theyre necessary. I contacted my bank and they froze my account. I had to get a new bank now. But idk what is going on. Its hurting my credit tho and money is tied up. Idk how this happened

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: TRANSWORLD SYSTEMS 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:
There are 2 fraudulent collection accounts on my credit ( XXXX XXXX and XXXX XXXX XXXX XXXX. These accounts are not mine. They were NOT open by me, utilized, nor paid by me. Please remove them from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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: Personal information incorrect

Complaint:
I was looking over my credit report and found an address that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do their website. To make the process of deletion easier, here is the address that I am currently seeing listed which I would like removed please : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXX. XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Once you have deleted the inaccuracies names and address from my credit report, please send me a copy of my updated report. 

Thank you 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 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is my final attempt to supply court documentation to XXXX ( XXXX XXXX # XXXX ) and TRANSUNION ( XXXX XXXX # # XXXX ) regarding a recent lawsuit with XXXX XXXX. An ORDER OF DISMISSAL WAS GRANTED by the court. The lawsuit was DISMISSED WITH PREJUDICE ; meaning, I DO NOT OWE the debt. Proper court documents are being provided AGAIN ( see attached ). I am NOT liable for this negative tradeline AND it should be permanently deleted from my credit file. I have contacted my attorney, XXXX XXXX XXXX in XXXX XXXX, TX and considering a lawsuit for willful non-compliance ( FCRA-616 ), IF this item is not removed.

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 2021-05-07
Company: Experian Information Solutions Inc.
State: NJ
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:
On XXXX, 2020, I pulled my credit report from XXXX and went over it and found out multiple accounts that were not mine, several years ago, I lost my personal documents, that could be a reason of why those unknown accounts were on my credit report. I am currently dealing with Identity Theft Issue with the credit bureaus since I found out, I am almost done, except that I recently review my updated credit report and found out that an account that is part of Identity theft and that was removed last month came back on my report alleged account XXXX, so I am asking to please remove it from my credit report, they remove it once, so why they brought it back if the account does not belong to 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 2023-03-14
Company: DISCOVER BANK
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I Spoke to a customer service rep with Discover personal Loans at XXXX XXXX on XX/XX/23 and I was notified that I was pre approved for a personal loan in the amount of {$25000.00}. I asked the customer service rep to confirm a number of times before proceeding with the loan if my credit was pre approved, as I did not want to risk being denied and my credit being adversely affected. I was assured by the customer service rep a number of times that unless in the unlikely event that there were any changes to my credit between the soft pull and the subsequent hard pull, that my credit was pre approved. In addition, I was asked what documents I would need to provide in the verification process for the final loan disbursement, and I was told none. I was led to believe that the hard pull was only a formality. I agreed to proceed only to be notified that there is a long list of documents needed in order to proceed. I complied with all requests and was later notified that my request had been denied due to the fact that they were " UNABLE TO VERIFY CREDIT/APPLICATION INFORMATION ''. In addition an a later phone call with a XXXX named XXXX at approximately XXXX XXXX, I was notified that I had never been pre approved, I had only been given a hypothetical rate should I have been later approved. 

The main issue of my complaint is that Discover personal loans in their Deceptive marketing, as well as over the phone from their customer service XXXX led me to believe that I was pre-approved so that I would apply for a loan. I had no prior relationship with Discover, I therefore would not have applied blindly were it not for them assuring me that I was pre-approved. It is unjust that my credit score be negatively impacted by a hard pull that was conducted over false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I tried to pay my XX/XX/2018 monthly loan bill but Santander system isnot working and will not take paymnt. They say that they are open at XXXX and I called before going to work but the recording says they are still closed. I can not call them when I am at work and Santander onlinewill not take my payment. They are making me pay monthly bill late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Yamaha Motor Finance Corporation USA
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I was receiving normal monthly statements/bills. My last paper statement/bill was received in XXXX. Around the end of XXXX I realized that I had not received a statement/bill for a little while. On XX/XX/XXXX, I called Yamaha Financial Services and eventually spoke withe a representative. I told the rep that I had not received a bill and asked why. I was told that they switched to electronic statements. I DID NOT receive notification about this nor did I sign a consent form to receive statements electronically. I told the rep that I never received any written or email communication about this. Turns out, Yamaha Financial Services DOES NOT have my email address on file. You can not send a bill electronically if you do not have an address to send it to. I then told the rep that I want paper statements mailed to me and that I also needed to make a payment. He provided my payment amount {$250.00} for  XXXX but failed to provide late fees that had accrued. I told him that i normally pay {$260.00} so I made my normal payment thinking everything was okay and then I received a past due notice in the mail. It was dated the XXXX and I called the XXXX so I disregarded the notice, but I kept it for my records because it had instructions to be able to access my account online. I normally shred my bills after I pay them so I did not have my account number to gain access to the online account, which is another reason I kept the letter. After I received notification from XXXX that I had a loan reporting past due, I logged into my online Yamaha account to find out that I was past due a late fee that the rep failed to mention that I owed. I called Yamaha Financial on XX/XX/XXXX and again asked about the paper statements, the rep verified again that they do not have my email address on file, and he also didn't ask for it. I told them that I wanted the late fees waived, and that I wanted paper statements. After him giving canned apologies and not being able to help me, I was eventually placed on hold for several minutes and then the call was disconnected. This was a 30 minute ordeal. I would like to know why I was given my normal payment amount and not the total amount including late fees of {$39.00}. Which turned out to be {$79.00}  because I made the payment after the XXXX due date. I have had the loan since 2013 and have never missed a payment. Now I have a past due payment on my credit report which I have to waste time to dispute and I am still not receiving paper statements after requesting them. I also really want to know why and how they decided to provide electronic statements without my permission and without having my email address.

Company response to consumer: Closed with explanation