BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-26
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased an appliance from bestbuy in XXXX that was defected and in XXXX after weeks of being tossed around finally they agreed to replace it. the same unit had the same problem after handful of uses .Apparently, this model is defected. However, Bestbuy does not want to deal with it. XXXX washer should not breakdown after 4 washes. I refuse to repair XXXX unit that is brand new. That is unacceptable. However, Bestbuy is brushing me off I called Citibank to dispute the charge for the unit since I got this credit card from bestbuy when I was purchasing the unit. On the phone 3 days ago they informed me that since the charge is few months old I have to put it in writing. SO I did. 
They called me 3 days later from President 's office  that they can not help me and I have to go back to bestbuy. This is absolutely unacceptable since they have to protect the consumer. The woman named XXXX XXXX who kept telling me that she is from President 's  office and there is no one else to go to and she will not talk to me about this again just told me that " it is what it is ''. 
There have been couple of other occassions in past few yrs that a purchase was 3-4 months old and any other credit card company such as XXXX XXXX XXXX or XXXX XXXX reviewed the case and determined that the defected unit should have been addressed by the store and stepped in to protect the consumer. However, since Bestbuy and Citibank work together to sell products they refuse to step in. I asked her for their management and review of policies and the woman said she will send me in 2 weeks and there is no one above her for me to talk to. I have seen numerous reviews by other consumers complaining of the same issue with this credit card company. Unbelievable! 

This is clearly a defected unit and I am left with {$1000.00} charge and no help.

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 2018-01-03
Company: Credit Plus Inc
State: PA
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:
XXXX XXXX 2016 they submitted a hard credit inquiry against my credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: EQUIFAX, INC.
State: NC
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 dispute letter to Equifax by certified mail on XXXX/XXXX/XXXX XXXX, and it was received by the company on XXXX/XXXX/XXXX at XXXX. My letter of dispute addressed the incorrect addresses listed on my Equifax report along with additional accounts listed. I sent with my letter my picture ID for my current and previous addresses to show that the additional addresses listed do not belong to me. I also sent in other verifying documents of my address such as utility and insurance bills. I called Equifax at XXXX on XXXX/XXXX/XXXX at XXXX to inquire about why I have not received a response to my disputes. I was on the phone for XXXX hour and XXXX minutes. The representative stated that they received my information but the disputes were not investigated. I asked to speak to a XXXX where I was on hold again for over XXXX minutes. The next person who answered stated the same thing, that it was received but that they only updated the spelling of my name and my current address. I asked by they did not send me any correspondence and she said nothing else was investigated and she does not know why. It has been over 60 days now and I still have not received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I tried to get credit for XXXX XXXX and they turned me down because there is a security Freeze on my account for my protection. They flat refuse to recheck my credit. Then Experian refused to provide a credit report based on the Date being today that XXXX rejected my credit application, XXXX/XXXX/XXXX as invalid date for requesting a credit report for an adverse action taken against me as I was notified instantly by XXXX that I was refused credit and need to pay full price for a cell phone, and Experian instantly refused to provide a report indicating why. Both XXXX and Experian credit reporting agency are at fault here.

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 2019-07-06
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:
I submitted a dispute concerning inaccurate and fraudulent inquiries and account on my credit report. I submitted proof of my correct information and the Creditor asked Equifax to remove the inaccurate item and they have not done so. They have also kept the inquiries on my credit report when they are not inquiries I initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've been trying to have a closed/ charged off auto loan removed from my credit profile. I have contacted the credit agency and also sent out a 609 letter to verify that the account is indeed mine. I haven't heard anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
Hello, My name is XXXX XXXX. I recently purchased a vehicle from XXXX XXXX of XXXX XXXX. They used TD Auto to help me finance the car. When I purchased the vehicle, I was informed by XXXX XXXX, the sales agent, that she would enroll me in a protection plan ( the XXXX protection plan ), and if I decided within several days that I did not want the plan, I could call back and unwind the plan. I did not understand the cost of the plan until later, and I did not realize that I really had no need for the plan until after purchasing the vehicle. So I immediately contacted XXXX to undo the plan - I have not been able to get in contact with her, and have not heard from her since. I need this expensive {$2900.00} protection plan undone and credited back to the loan. 

I was also charged a reconditioning fee of {$1000.00}. I was told by XXXX that this is a mandatory fee and the car could not be sold in Maryland without the fee. I objected, but did not have much of a choice at the time other than to accept the fee. After researching the fee further, there is no " requirement '' for such a fee, and the " reconditioning '' was not needed - I could have opted out. As such, I want this fee reimbursed as well and credited to my loan. 

I have been misled about these two add ons and I would like TD Auto to work with XXXX XXXX of XXXX XXXX to have these two fees reimbursed/credited to my loan. I have submitted a XXXX XXXX   XXXX complaint against XXXX XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
I discovered illegal unapproved accounts on my profile report. I'm concerned that you've included the following information in my credit profile and that you've forgotten to follow reasonable procedures to ensure the most extreme possible accuracy in the credit reports you provide. Credit reporting rules require agencies to provide only accurate credit data. Each step should be taken to ensure that the data given is completely accurate and correct. The accompanying data should be researched in this manner. After carefully pulling my credit report from your service, I am having significant difficulty locating inaccurate/invalidated accounts. I am unaware of these items or false information since my personal information was impacted by the XXXX data breach and may have ended up in the wrong hands. You are filing reports recklessly and inaccurately, in violation of the FRCA. I am aware that you lack legal standing as a federally protected consumer, and that you can not retain an attorney to represent you against me. 
I will seek a default judgment and bring a class action lawsuit against the corporation for violations, stress, and XXXX XXXX  on behalf of at least 1 % of the corporation, pursuant to TILA 1640, OR ANY OTHER AMOUNT OF DAMAGES UNDER 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 2017-12-27
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Bayview loan servicing, not reporting our current mortgage status, we own our home, Bayview showing on our credit bureau history, we lost our home in s chapter XXXX Bankruptcy discharged on XX/XX/XXXX. We have been current with our mortgage, and due to an attorney error, s letter to reaffirm our mortgage debt was not filed withBayview, s letter of intent to keep this debt, as well as s car was filed. This error was not found by Bayview or myself till I pulled s credit report almost s year after Chapter XXXX was discharged. Bayview refuses to report to credit bureaus accurate information, due to the missing reaffirmation letter. We modified our mortgage XX/XX/XXXX We pay on time, but Bayview continues to show we lost our home in a chapter XXXX Bankruptcy! I have since sent them the copy of the reaffirmation of debt letter, my attorney is no longer employed with the law firm we used. I have sent all three credit bureaus, 10 years of payment history on our mortgage, deed, ad well as property tax statements. They will not change info on credit report. Bayview loan servicing, had recieved the documentation and continues to not report to credit bureaus. This is wrong.. they will not work with us due to human error. We pay our mortgage every month, have for years, but on our credit report Bayview shows we are not home owners! This is bad business practice. Our credit report needs to reflect that we are home owners and we pay on time. I have sent the reaffirmation letter to there company, but they will not acknowledge they have recieved it. They are a very disorganized company, and our credit is being destroyed. They need to correct our credit report, we did not lose our home before, during or after Bankruptcy. Our home and vehicle are exempt under BK laws. They new we had no intentions of losing our home. Bayview loan servicing are disorganized and take weeks or even months to handle complaints. I have been fighting to get our home ownership back onto credit file for almost three years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
showing missed payments that were n't missed and this account is closed and purchased by XXXX and reporting old factual data

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 2022-02-01
Company: Experian Information Solutions Inc.
State: NJ
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:
On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2017-10-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Different numbers calls me multiple times I 've already told them to get my name out of the list but the calls still do n't stop

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Experian Information Solutions Inc.
State: AR
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:
Experian continues to report a XXXX XXXX account on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything. I contacted the creditor which is XXXX XXXX and they sent me the attached letter stating that they are unable to find an account for me. THIS IS NOT MY DEBT! I WANT THIS ACCOUNT REMOVED FROM MY EXPERIAN CREDIT REPORT IMMEDIATELY!

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 2017-10-04
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I asked ditech to waive a late fee applied to my account in XXXX via a QWR because I never received the notice of a rate increase and their site was down on XX/XX/XXXX ( a Sunday ) when I tried to log in to confirm my payment amount. I sent in my regular payment that did not reflect the increase and it remained unapplied, my account considered late. I received a notice of default and threats to foreclose. I send in the difference with my next payment and filed a QWR requesting they waive the late fee because I did not receive the notice and their site was down onXX/XX/XXXX. Ditech agreed to waive the late fee in their response to my QWR. 

Each month I log onto ditech.com to confirm my payment amount and today found a transaction dated XX/XX/XXXX titled 'reallocation ' that backed out months of payments and the XXXX late fee. It appears these payments were not reapplied to my account because my principle balance increased from {$120000.00} posted onXX/XX/XXXX to {$120000.00} ( an increase of {$1200.00} ) reallocated onXX/XX/XXXXand I was assessed another late fee. 

XXXX I called customer service for an explanation and to correct the reallocation. XXXX waived the additional late fee added to my account and confirmed the increased principle payment shown online matches their systems. She could not explain why backing out a {$33.00} late fee would increase my principle balance by {$1200.00}. Nor could she correct the problem. 

Given Ditech ( formerly greentree ) reputation, I am of concerned of being accused of defaulting even though my mortgage is current and losing my home because of an administrative error on their part. Given the customer service reps insistence that an principle balance increase of {$1200.00} is correct in waiving a {$33.00} late fee, I dont expect Ditech to behave within the law. 

I appreciate your assistance in correcting Ditech 's administrive error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX, XXXX, all of my student loan and fafsa money was transferred from my account without my consent. I contacted Wells Fargo the minute I received the email saying all my money was gone. They opened up a claim and when I called on XXXX XXXX, XXXX, they informed me that the wrong type of claim was opened but they would open an online claim and it would be resolved within 10 days. My rent is due on XXXX XXXX, XXXX and they sent me to a branch to get a provisional credit. The branch XXXX advised me that I could not get a provisional credig but I could apply for a new student loan. I did not find this very professional as they have caused me to be without money to eat or pay for my necessities.

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 2020-04-24
Company: Experian Information Solutions Inc.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

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 2021-06-10
Company: Fay Servicing, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We fell behind due to hour reduction at our jobs due to covid. I am the only one on the mortgage. My husband just contributes money to it. I got 3 payments behind, I contacted the company, they sent me a loan modification application. I filled it out including only my income and a small amount of what my husband actually contributes because I had gotten the loan on my income, so I wasn't adding much of his, even though I have more money of his at my access. They denied my modification, so I told them I actually had more income from my husband, who is not on the mortgage, and they wanted a paystub for him. He is a contracted worker, and gets paid per job. Why did they need his paystub? He is not on the loan. Then I got a call from an outside agency that said my house was in foreclosure, I said no, because I am filing an updated modification. So I called the mortgage company, they confirmed the foreclosure and said that they can foreclose even if modification is in process. I know this to be false. What can I do, and do quickly?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

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 2017-10-05
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XXXX XXXX I received a general credit card XXXX not store credit card ) from Nordstrom 's I did neither apply for nor want.

Upon contacting Nordstrom 's and talking to " XXXX '' on XXXX/XXXX/XXXX, I was told that since I " did not opt out by XXXX XXXX, XXXX '' from getting this card in a letter that they claim was mailed to me, this entitled Nordstrom 's to " upgrade me to a XXXX card ''. 

Not only was I traveling on business from XXXX through mid XXXX and had no chance to review my mail until some time after my return, I do not recall getting such a letter. Regardless of whether I did or not, a company should not be entitled to issue a credit cards without my knowing or approval. As the result of this object able practice, an inquiry showed up on my credit report on XXXX/XXXX/XXXX from TD Bank USA/ Nordstrom .

I have built an excellent credit history/ score ( above 800 before this incident ) over decades and carefully monitor my credit. Having this inquiry on my record lowered my credit score by 19 points, not to mention that, had the credit card been lost or stolen, I would never have know because I did not expect it. 

I immediately requested this unauthorized credit card to be closed - along with my Nordstrom 's store card which I would have retained otherwise. This may have further reduced my credit score.

I strongly object to Nordstrom 's deceptive practice without regard for the consumer 's credit record or risk of identity theft.

Company response to consumer: Closed with explanation