BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 complaint is for the timeshare company XXXX. I've previously disputed this account and was deleted from my credit reports under XXXX XXXX TransUnion, but reappeared and is reporting negative again. I want this to be removed as it is very illegal to add on removed fraud accounts. This inaccurate account is being reported in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again. Furthermore, I spoke with their employees who were introduced to be someone other than a sales person & also claimed not to work on commission. Unfortunately I can't remember the names of the people I spoke with. I was told that I'm actually making a good financial investment, especially because it have some tax benefits similar to owning a 2nd home. Plus, resale value would go up. They said I can also earn money from it, getting rental income. I was lured when they also promised that I'll never have to pay maintenance fees again. They made me believe I was being given the privelege of getting this special offer because they needed to get " corporate approval '' to give me the price being offered. I felt pressured and rush when they told me it's my last chance to upgrade at the lowest price. They had me open a credit card for this. They promised free vacations bonus, which I never received at all. They didn't even discussed how to cancel, or made me aware as to how many days I have in order to cancel. I've sent request to cancel but they never cancelled it. I already have medical conditions such as XXXX and XXXX, & it simply doesn't help when I'm experiencing financial difficulties caused by this timeshare, plus my credit score is going down because of this as well. It's very stressful having this timeshare, they've put me to collections, I can't even get a loan because of this. I am a victim of the XXXX timeshare scam. They told me that timeshares are fantastic investment, which is untrue. There was a high-pressure time shaper presentation that lured me in with the promise of a cheap vacation. I was told by the salesman how the program is good & the points. The sales person told us XXXX XXXX XXXX XXXX XXXX, which paid for {$18000.00} could get us 20 nights at all kinds of beautiful resorts every year throughout our lifetime, at any time, which was untrue as we were not able to find any availability when we try to book. We were defrauded & lied to. This is the biggest scam I encountered.

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 2021-03-02
Company: American First Finance, 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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/19 mortgage application with Bank of America was processed and loan estimate was agreed upon both verbally (via phone) and in writing (confirmation for rate lock) at XXXXXXXX. However, the next day (XX/XX/19) it was requested that I write an email to loan officer falsifying that I had been offered same interest rate by competing bank in an effort to justify Bank of America extending and confirming their offer the day prior (XX/XX/19). This request was unethical as there had been no discussion about said competing bank offering the interest rate. When questioned about the request, the loan officer implied that this would be the only way I could get my desired interest rate and continue in my application process. When the loan officer was questioned about the previously discussed and confirmed interest rate from afternoon before (XX/XX/19) it was then discovered that in fact the rate had not been locked in and it would only be locked in if the email was submitted in writing for his records. This represented a very compromising position as I was in escrow and didn’t have much time to waste. However, I refused to falsify records for the sake of protecting the loan officer from the judgment of his colleagues and the leaders of mortgage sector of BOA. I requested that the bank honor the offer that was extended onXX/XX/19 but this request could not be granted. As a result of this unethical practice I ended my mortgage application with Bank of America and had to find another lender during the escrow process. It is unfortunate if this represents a common practice by banks to compete for business by requesting potential customers go on record with a lie to protect their officers. I would like to go on record with consumer financial protection bureau to make them aware of this unethical mortgage lending practice as it appears it may be common practice.

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 2020-12-08
Company: BARCLAYS BANK DELAWARE
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 unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX, XXXX  XXXX add a hard inquiry on my credit report per XXXX. On XXXX. XXXX, XXXX, BARCLAYS BANK DELAWARE add a hard inquiry on my credit report per XXXX. On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2023-09-28
Company: Block, Inc.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
There was 4 transactions from my business account with Square/Block date ranges XXXX. Only one of the transactions were valid in the amount of {$800.00}. I have filed disputes for the remaining three of {$840.00} ( charged twice which transaction has been provisionally credited already ) and {$760.00}. The one in question of {$760.00} was denied and the reason stated was the card was used with chip and based on my response the card was in my possession. 

That is inaccurate, because I reviewed the form that I submitted, and it states that I responded to the question as the card was not in my possession, but I had made purchases with the merchant before. I have the screenshot of the form I submitted and the company 's response. 

I lost my wallet and yes the card was used after the time I presented the card for the valid transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I need my funds to be available tomorrow not XX/XX/2023. The bank put a six days hold on my account for depositing my place of employment check. It was deposited on Saturday XX/XX/2023. I never had to wait six days for a check to be cashed. I have a negative balance in my account that needs to be satisfied and I have bills and children to feed. I need my money ASAP, like today I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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 am not familiar with the inquiries mentioned, and I kindly request that you address this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Ocwen Financial Corporation
State: KS
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
1. Recently I tried to ascertain the payoff balance of my mortgage. I requested both the amount needed if I refinanced or just paid off the loan. ( the possibility of sale of property was not included nor needed ). And I requested a copy of what they say my mortgage says.

2. They contacted an appraiser who never came and stated that my mortgage payoff balance would include any growth in value just as if I were selling it. No where on my mortgage does it indicate that.

3. There have been several attempts by myself through the CFPB to resolve the issues with the principal balance and they have still not been resolved. 
- The company did a review and did show credits reversing many ( but not all ) of the illegal fees I had been assessed during the life of the mortgage. Those fees should go back to approximately XXXX when I paid extra to the principal and it was misapplied and showed me in arears. Also, I tried to work on a payment plan to catch up the payment they said was late and that extra money just disappeared. 
Where the company did show that it was reversing those charges, the actual credits did not show up anywhere on the account. They did not lower the principal balance nor do they show up crediting any other portion of the account.

-There are 4 mentions of Share Waive Adjustments. At the time those started showing the principal balance was listed as XXXX. 
The only one to actual credit to the account was the XXXX. 
There is another listing of XXXX right after that but does nothing to the balance. 
There are three ( 3 ) more listed on XX/XX/XXXX, XX/XX/XXXX of XXXX and XX/XX/XXXX of XXXX that show they are supposed to be credited to the account principal but are not. 
The information provided to me for tax purposes and on the mortgage are twice the amount of XXXX. 
4. When they have made corrections to the account they do not go back and readjust the principal and interest calculations. They are still charging me interest on a higher amount than I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
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: Was not notified of investigation status or results

Complaint:
I submitted a formal written request to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) on/around XX/XX/2020 and a second written request was sent via certified mail on XX/XX/2020 seeking the deletion of erroneous and inaccurate information contained in my credit file. 
In my letter sent and received by XXXX, TransUnion and XXXX  on XX/XX/2020, I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 5 months from my first written request and more than 3 months since my second written request and I still have not received any responses.

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 2023-09-26
Company: Palisades Funding Corporation
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
the loan amount was not was we agreed on, the bank still owes a credit for the overpayment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Harris & Harris, Ltd.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I contacted a third party debt collection agency and was discussing my account with them on XX/XX/2019. They did not read the mini miranda to me and I specifically asked them if they are a debt collection agency. They said all they have to do is state that the phone call is being recorded. The company is Harris & Harris. The phone number for them is XXXX. The amount discussed was {$4800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: Experian Information Solutions Inc.
State: CA
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: Didn't receive services that were advertised

Complaint:
This is like my 3rd or 4rh time filing the same complaint against the same credit agencies. Im still having to reset my passwords every day or Im getting locked out of my account this happens every day and yall say its going to be fixed and nothing has happened and Im getting tired of it. Im paying for stuff I cant access. Im also paying to update my credit report every day thats not working. These credit agencies are no good I bet if I had to log in to pay a bill it would log me in real easy. Of I continue to have his issue like I have been Im goi g to see what type of legal action I can take against XX/XX/XXXX, XX/XX/XXXXand experian. This been going on 2 months now every since I did my identity theft report and disputed thing that was not mines. I e been on the phone all day everyday with these companies and nothing is getting resolved. XX/XX/XXXX says they do t have enough credit on me to provide me a score and respfuse to let my credit company report my payments. And there allowing it to go down andXX/XX/XXXXjust refuses to do anything. My profile cant. E locked because I have a dispute thats been open since XX/XX/XXXX and they wont tell me anything so while there not doing anything my information can be accessed all because I cant lock my profile. If its like hat hen I fathers all 3 agencies remove my freezes and credit locks off there site because its doing more hard then good and here not protecting anyone from identity theft so whats the point. Just remove my stuff you have my permission since no one is not doing anything.its tiring and XXXX me off. If my identity it stolen again or my reports are access by someone I didnt give permission too I will be filing a lawsuit against anyone involved. Thats mean XXXX 3 credit agencies and all the consumer websites thats Involved in making decisions on my personal reports. 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 explanation
Consumer complaint received 2023-11-28
Company: DISCOVER BANK
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received email stating I will receive my security deposit for the secured card {$300.00} in XX/XX/2023. I have not receive my security deposit back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Didn't receive services that were advertised

Complaint:
This is like my 3rd or 4rh time filing the same complaint against the same credit agencies. Im still having to reset my passwords every day or Im getting locked out of my account this happens every day and yall say its going to be fixed and nothing has happened and Im getting tired of it. Im paying for stuff I cant access. Im also paying to update my credit report every day thats not working. These credit agencies are no good I bet if I had to log in to pay a bill it would log me in real easy. Of I continue to have his issue like I have been Im goi g to see what type of legal action I can take against transunion, XX/XX/XXXXand XX/XX/XXXX. This been going on 2 months now every since I did my identity theft report and disputed thing that was not mines. I e been on the phone all day everyday with these companies and nothing is getting resolved. XX/XX/XXXX says they do t have enough credit on me to provide me a score and respfuse to let my credit company report my payments. And there allowing it to go down and transunion just refuses to do anything. My profile cant. E locked because I have a dispute thats been open since XX/XX/XXXX and they wont tell me anything so while there not doing anything my information can be accessed all because I cant lock my profile. If its like hat hen I fathers all 3 agencies remove my freezes and credit locks off there site because its doing more hard then good and here not protecting anyone from identity theft so whats the point. Just remove my stuff you have my permission since no one is not doing anything.its tiring and XXXX me off. If my identity it stolen again or my reports are access by someone I didnt give permission too I will be filing a lawsuit against anyone involved. Thats mean XXXX 3 credit agencies and all the consumer websites thats Involved in making decisions on my personal reports. 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 explanation
Consumer complaint received 2018-02-27
Company: EQUIFAX, INC.
State: AL
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:
To comply with the Uniform Commercial Code in a state, a UCC-1 Financing Statement must be filed with the Secretary of State, by anyone who makes a claim against any other person in the area of commerce. All government agencies, ( city , county, state and federal ), operate in commerce and all of them are private corporations ( persons ). I am enclosing a copy of a UCC-11 Information Request to show proof that there is no public record of any debt being owed to any corporations. Due to these findings it is imperative that any credit reporting bureau that are listing this inaccurate account on my report, be removed/deleted immediately being that there is no evidence to show that a debt is owed to them. I hope you find the enclosed information sufficient to conduct your investigation so that you may enforce the laws designed to protect the public from misleading or unlawful business practices.

Below you will find the account that are currently being disputed : XXXX ACCOUNT NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I checked my Chase online banking and saw XXXX wire transfers that i was not awared nor authorized them. Their amount are XXXX XXXX XXXX and XXXX dollars. XX/XX/XXXX ONLINE DOMESTIC WIRE TRANSFER VIA : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX : XXXX XX/XX/XXXX Outgoing wire transfer - {$10000.00} XX/XX/XXXX ONLINE DOMESTIC WIRE TRANSFER VIA : XXXX XXXX XXXX XXXX  : XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Outgoing wire transfer - {$40000.00} XX/XX/XXXX ONLINE DOMESTIC WIRE TRANSFER VIA : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX : XXXX XX/XX/XXXX Outgoing wire transfer - {$45000.00} XX/XX/XXXX ONLINE DOMESTIC WIRE TRANSFER VIA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Outgoing wire transfer - {$35000.00} I already asked the bank to investigate, but they were very late to ask me to provide wire fraud claim, then i sent the claim on XX/XX/XXXX. Until now, they're still saying the claim is in investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-20
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: Account status incorrect

Complaint:
The 3 Main credit reporting agencies are reporting false information. 
the following inquiries are being reported fraudulently. 

XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX  Mortgage Brokers Inquiry date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX XXXX XXXX -XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Fairway Independent Mortgage Corporation
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have Fairway mortgage, and every year they send me a bill for a mortgage shortfall, and every year I pay the difference to keep my monthly payment the same, AND every they receive the check,,, with the coupon,,, and deposit,,, and then proceed to turn me over to debt collection for that amount that was paid from the monthly amount. 
This has become chronic and when you call their so called customer service,,, they can never manage to get someone on the phone to fix the situation!!!

Company response to consumer: Closed with explanation