BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-31
Company: Diversified Consultants, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I disputed this account months back in the amount of {$160.00}. I had two collection accounts with this agency to which they could not prove it was mine. They deleted one off and as I'm checking my credit this one is still up. They only sent me copies of statements but no signature, signed original contract, they didn't send me a signed copy of the buying of the debt and license to collect in my state. Now they are reporting to the agencies as 100 % verified but they know a copy of a statement is not proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

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 2022-01-04
Company: Experian Information Solutions 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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. This was over 60 days ago and I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) of the Fair Credit Reporting Act plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this situation has caused men. My information was also impacted by the XXXX data breach and may have got into the 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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-07-19
Company: EQUIFAX, INC.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hello, My name is XXXX XXXX. The following items I have attached are items in my report that I need deleted. I am a victim of identity theft and did not make nor authorized these charges. I ask that the items be deleted to correct my credit report. I have already reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as I am attempting to purchase a home and can not do so with these inaccurate items.

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 2022-07-19
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We recently purchased our home, XXXX XXXX XXXX, XXXX, XXXX  using Rocket Mortgage. My husband and I were led to believe during several conversations via phone and email with broker XXXX XXXX that after closing and making XXXX payments we could take the proceeds from the home we were selling and apply them to the XXXX XXXX XXXX for a recast of payments. We made our second payment XX/XX/XXXX XXXX XXXX  weekend ) so contacted Rocket XX/XX/XXXX to recast the mortgage. We were told we would be contacted within XXXX hours to proceed. After XXXX days we co reacted them again and are now being told it will likely be XXXX before we will see a reduction in our payment despite being told to send them our money now. This will result in over {$3000.00} addition in interest payments to Rocket. None of this was indicated by XXXX XXXX prior to closing. He indictated this would be an easy quick process. Had we been told we would be paying minimally 5 months of the large mortgage rate despite having the assets to pay on the principal we would never have gone this route. They are profiting by misleading their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I made an appointment at a bank of America branch after being paid for my vehicle to cash a check for {$8000.00}. The check was written on their bank, and I don't deal with a local bank at this time. They refused to cash it because I did not have an account with them and did not want to even see the ID I brought with me that included, drivers license, passport, and XXXXXXXX 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 2021-05-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied and was approved a Chase Sapphire Preferred credit card on XX/XX/XXXX. On XX/XX/XXXX, I was billed an annual fee of {$95.00}. As of today XX/XX/XXXX, I still have not received the card from Chase in the mail, and therefore can not activate the card to use any of the benefits associated with the card. I notified Chase in early XXXX that I never receive the card and asked the annual fee charge to be postponed by one month. My request was denied twice because " This fee ensures you receive all the benefits that come with your card and is non-refundable as long as your account is open, '' quoting from the reply I received from Chase. 

I found Chase practice to be unfair and deceptive. First, I could not use any of the benefits for the month of XXXX because I never receive the card to activate. How could I have used any of its benefits while I don't have the card and the card is not activated? The account can be open from Chase 's view, but it is not open from the consumer 's point of view because it can not be utilized. Second, while other card issuers used express mail carrier or sent tracking information, Chase did neither in sending out the card after approval. This makes it very difficult for me to determine when I should expect the card or it has been lost.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-12
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
The original contract said I would not be charged interest for six months, but they charged me all along. Then, when I closed the account the charged me a lump sum of interest over XXXX dollars. The interest charge was only suppose to be at 14 % apr. but its 24 %. I have complained to the company but they say there is nothing they can do.

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 2021-04-14
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I LOST THE ABILITY TO LOG INTO MY ACCOUNT WITH COINBASE EARY XXXX, TRIED TO RESET MY PASSWORD THEN DISABLED THE ACCOUNT ACCIDENTLEY AFTER CALLING THEIR CUSTOMER SERVICE PHONE NUMBER. 
I FILLED A HELP REQUEST MANY TIMES, I RECIEVED AN E MAIL RESPONSE STATING THAT THE ISSUE WILL BE HANDLED IN 4-5 DAYS. 
SINCE THEN NO RESPONSE

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
on XX/XX/2019 CARE CREDIT customer service rep gave my care credit account number to the office manager ( XXXX ) at XXXX XXXX XXXX XXXX when i was unable to get that number a day before she called to obtain it. She is also the only one that can change the interest rate on this account. I beleive that i was not given an interest rate according to my credit score as it was at the time nearly 800. which should get a much lower interest rate then 16.90 %. I also have asked to have my accloun t number not listed on my monthly invoices and that has not been done either. I believe that sychrony bank, care cr4edit and XXXX. XXXX XXXX dds are ingaging in preditgory lending, unethical and deseptive business practics.

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 2021-12-09
Company: Consumer Portfolio Services, Inc.
State: UT
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:
Consumer Portfolio Services has been reporting late payments to the credit bureaus it sends my information to. This reporting is false and should be removed. I have called the company multiple times explaining how this is inaccurate and they tell me it's an issue with their automated reporting that they are working on fixing ; however, these false statements have continued to appear on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: MA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit score was adjusted last month back to what it should be : no missed payment ever. It also went back to a XXXX credit score. However, it appears that fix was short-lived. My score just dropped another XXXX points and it says I have a late payment recorded by XXXX in XXXX. This is only happening at Transunion. Transunion says XXXX late payment in XXXX and my credit score is XXXX. XXXX says no late payment and a XXXX XXXX of XXXX. XXXX shows no late payments and a credit score of XXXX. Transunion score went up approximately XXXX points last month when this issue was finally resolved. However, it came crashing back down XXXX points again this month. I'm not sure how Transunion corrected this on their end but then started again incorrectly reporting a late penalty but it was fixed and now it's not. I need help with this ASAP. This issue has been going on for over XXXX months now. We are actively shopping for a new vehicle and I should be getting the most favorable rates with my XXXX credit score. The Transunion score of XXXX is extremely detrimental to my ability to get a loan and at the rates I should be able to get.

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 2021-02-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
The end of XXXX beginning of XXXX I did not recognize a transaction on my 5/3 XXXX prepaid card to where my XXXX dollars was transferred from my checking to my card I called XXXX as I was on my way to the bank the young lady I was speaking with decided to place a fraud alerts on my card which intern blocked me from retrieving my money by the time I made it to the bank I was told that it would take 45  days in order for me to receive my money I have waited the 45  days which was XX/XX/XXXX and steel as of XX/XX/XXXX I am unable to retrieve my money from XXXX XXXX XXXX  card they continue to give me the run around now Im being told that it can take up to 90  days I have explained from the beginning that I made the transaction by mistake and that I had my XXXX card in my Possession and that I never ask for a fraud alert to be place on my card. I keep getting the runaround from them no one can tell me why I cant retrieve my money from them. Its a Constance different story every time even after trying to resolve this with 5/3 today after being in one of there branch for over an hour no one could explain why they are holding on to my money. I dont wont to wait another day on them to release my funds. I receive updates on my XXXX card on the amount available but it it really not available because they have a hold on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: American First Finance, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I purchased a sofa from XXXX XXXX and was approved through American First Finance. I was not told that I had a buyout option within 100 days. I found out on XX/XX/XXXX that my balance doubled. I called American First Finance and they told me that I could pay off the balance of {$330.00} instead of the {$880.00}. I called tonight XX/XX/20 and was told that I could not pay the {$330.00} and that I would have to pay the {$880.00}. I am so upset! I work hard and was willing to pay that amount today and could not. This is not fair for hard-working people trying to do the right thing. This is false advertising. They should make every consumer aware of their terms UPFRONT. Now I am being forced to pay double the amount on a sofa. I could've gone to a rental place to pay that ridiculous. I was not expecting this. I feel that they're taking advantage of the consumer. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I didnt authorize no one to use my information and its seem like someone chose to do want they wanted instead of what should be done

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 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX Balance {$1000.00} XXXX XXXXXXXXBalance {$0.00} XXXX XXXX-Balance {$0.00} XXXX XXXXXXXXBalance {$0.00} XXXXBalance {$450.00} XXXX Balance {$410.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-17
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have been asking wells fargo for over 1 year to answer questions & they refuse to answer. In XX/XX/2005, my XXXX & XXXXyr old now deceased parents were coerced into a 30 yr. refi via 2 telemarketers : XXXX XXXX & XXXX XXXX . My mother suffered from XXXX & my father from XXXX XXXX & were taking prescription medication which causes confusion & worsen XXXX in the elderly. Wells has been paid {$71000.00} on an {$81000.00} 30 yr loan. It was a bad loan doomed to fail. A loan w/unclean hands, equitable estoppel & unconscionability. A criminal violation of CT predatory lending laws. I was quit claimed my parent 's home & paid on the loan for 3yrs. 6mos. until learning of the loan 's inception. That is when I stopped paying & began asking wells fargo questions. Out of desperation & under stress from Wells, I sought a reverse mtg. All the reverse would lend was {$20000.00}. This would have brought the loan total to {$91000.00}. Wells refused the offer. They knew my parents at their advanced ages could not live 1yr let alone 30yrs. & only cared about their commission. The telemarketers never offered my parents mtg protection ins. or another program to suit their needs. They offered a loan to 2 elderly people that would render them into foreclosure or homelessness. I won't pay for a criminal violation.

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 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 recently reviewed a copy of my credit report and found fraudulent accounts on my credit report. I know for a fact that I have been a victim of identity theft. I have not authorized or open any of these accounts. There has been car loans opened in my name as well as utility accounts, credit cards, and cell phones. I have contacted each one of the companies, and each credit reporting agency about this. The fraud accounts that are showing on my credit report are as follows : XXXX XXXX XXXX {$360.00} XXXX XXXX  {$7800.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX {$4500.00} XXXX XXXX {$15000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-16
Company: EQUIFAX, INC.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Sent XXXX letter XXXX received response XXXX. Collection company was unable to locate account and not able to verify. Which under the XXXX act if they are unable to varify the debt must be deleted. XXXX letter included all info they needed to locate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Performant Financial Corporation
State: IN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, three days before my agreed-upon rehabilitation payment of {$640.00} was due, I called Performant Recovery Corp. to explain that my financial situation had changed and that I needed a new audit of an income-based payment. A service representative indicated that they would cancel the payment on the XXXX, and re-audit my income and expenses to formulate a new payment, advising that a payment wouldn't come out until they reached a new amount. On XX/XX/XXXX, a date not authorized for a transaction, {$640.00}, an amount no longer authorized, was withdrawn from my personal checking account. I'm told on XX/XX/17 that amount was withdrawn in error, and that they are re-issuing a refund that won't be processed for 60 days or so. The debit on my account left my checking account negative and was 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 explanation