BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I, consumer, XXXX XXXX received a alert from credit karma on XX/XX/XXXX in regards to a closed account. XXXX XXXX closed my account with a balance although the balance was paid in full. I sent my payment via certified mail and they received it on XX/XX/XXXX at XXXX. I spoke with a representative on XX/XX/XXXX and she stated that they will do a investigation on a lost payment. I never received a call back or anything in the mail in regards to the investigation being closed. There is no third party involved so this is me, the consumer, telling you for a fact that the payment was received by 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 2022-02-18
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX  ACCOUNT WAS OPENED FRAUDULENTLY USING MY PERSONAL INFORMATION. SOMEONE STOLE MY INFORMATION AND OPENED THE CREDIT CARD, I NEVER BOUGHT ANYTHING USING THAT CARD, THE CHARGES AND THE ACCOUNT IS FRAUDULENT. I AM XXXX AND AS A PROFESSIONAL I HAVE NEVER APPLIED FOR THIS CARD, NEVER BOUGHT ANY MERCHANDIZE FROM THAT STORE. THIS CARD WAS OPENED FRAUDULENTLY, I NEVER APPLIED FOR THAT CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please be advised that as of XX/XX/2022 as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries : 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 2017-07-10
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
ATTN : SPECIALIZED LOAN SERVICING : The response packets were received. We have found irregularities and are requesting a correction for the second request in the CFPB complaint # XXXX dated XX/XX/XXXX that ask for the first time SLS sent us the note version with the XXXX XXXX XXXX endorsement, SLS replied with it being their response dated XX/XX/XXXX to our communication dated XX/XX/XXXX. This is wrong! that communication contained mortgage assistance and foreclosure forms no note or disclosure statement. We explained about the breaches and problems that had been encountered and why we felt the need for special consideration for lower rate and principle reduction as found was given to XXXX XXXX XXXX for the predatory lending of XXXX. The copy SLS kept providing had a clause allowing signature only to permit the rate reduction. WE have never accepted the first version copy or second version copy as what was signed or agreed too. Now with the found reprinting, simulations, falsification etc., There is need for investigation.

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 2022-02-18
Company: EQUIFAX, INC.
State: IN
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:
I, consumer, XXXX XXXX received a alert from XXXX XXXX on XX/XX/XXXX in regards to a closed account. XXXX XXXX closed my account with a balance although the balance was paid in full. I sent my payment via certified mail and they received it on XX/XX/XXXX at XXXX. I spoke with a representative on XX/XX/XXXX and she stated that they will do a investigation on a lost payment. I never received a call back or anything in the mail in regards to the investigation being closed. There is no third party involved so this is me, the consumer, telling you for a fact that the payment was received by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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:
On XX/XX/XXXX I made a regularly scheduled payment by the due date. On XX/XX/XXXX I paid off my credit card in full except for a pending charge of {$26.00}. On the morning of XX/XX/XXXX I checked my account and it showed a balance of {$26.00}. On the evening of XX/XX/XXXX I checked my balance again to find an interest fee of {$100.00}. I promptly called capital one to remove that charge since my payment had cleared on the XXXX before the new cycle started. They refused to remove it and were simply patronizing and rude. I asked to speak to a supervisor who was more rude than the first. He explained the interest rate was based on the average daily balance and that it would take 2 months to see those fees based off of my average daily balance go down. I proffered that I would never be able to pay off my credit card based on their predatory interest practices. He then further explained I could take my business elsewhere. I have been their customer for almost 18 years and in that time I have never missed a payment or been Late with a Payment. I asked to speak with someone above him and he said that was not allowed. Capital One needs to be investigated for their predatory lending practices and exorbitant interest fees and their complete lack of customer service. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I received a payment from a sale and wanted to pay off my loan with SLS. I called them multiple times and requested a payoff statement ( was not even informed that they charged you for a statement ). 
I was not receiving their fax so I kept calling back and requesting the payoff statement. 
I finally received it and paid off the loan. 
I received a statement with multiple, odd charges, and was charged 6 times for a payoff statement on the same loan. 
I phoned 5 times, was able to get 1 of those charges reversed and was sent a check for {$25.00} When I phoned back wanting to speak with someone about reimbursing the rest of it, I was told I had to write a letter to XXXX I did so twice and never received an answer. 
I would like to be reimbursed for the {$100.00} in payoff fees and the charged {$18.00} in fees (? no  explanation of what they were for ) I feel they owe me {$110.00}

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 explanation
Consumer complaint received 2022-02-18
Company: AmeriCollect
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I attempted to access the payment history on my account and received a message that stated, " Please call the Bankruptcy Department at XXXX for assistance. '' On XX/XX/XXXX I called the number above and was transferred to XXXX XXXX XXXX, which is a third party company that handles all bankruptcy accounts for Ditech Financial. I spoke with XXXX XXXX xt XXXX, a representative for XXXX XXXX XXXX. XXXX XXXX informed me that my case was showing that I was still in bankruptcy. I informed XXXX XXXX that my bankruptcy had been discharged in XX/XX/XXXX. She placed me on hold and researched and found that my bankruptcy had been discharged XX/XX/XXXX. She stated that her company should not have received my account because they began handling all bankruptcy cases for Ditech Financial on XX/XX/XXXX. I asked how long would it take to remove the bankruptcy from my account. XXXX XXXX stated 3 months for Ditech to audit the account. I asked for a supervisor and was transferred to XXXX XXXX ( he did not give me a last name ). He stated that what XXXX XXXX had previously stated was true and he apologized for the inconvenience. He agreed to escalate the case and told me that he would contact the Consumer Financial Protection Bureau and file a formal complaint. My concern is that I can not contact Ditech Financial directly because my account status remains in bankruptcy and all of my calls route directly to XXXX XXXX XXXX. I am also concerned that a third party company has received my personal account information in error. Both Ditech Financial and XXXX XXXX XXXX were negligent. Ditech Financial was negligent because my account should have never been sent to XXXX XXXX XXXX. XXXX XXXX XXXX was  negligent because they never reviewed my account to see if it was in bankruptcy. XXXX XXXX told me that I can check back any time to check on the status of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
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 information incorrect

Complaint:
I have an Inquire from XXXX XXXX on XX/XX/2017 which I do not recognize. I did not and have not approved this in any manner. This information was reported incorrectly on my credit report and is affecting my score. 
The inaccuracy has had negative effects on my score and consequently on my relationship with creditors. I am requesting that the item be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/11 I received emails from XXXX XXXX and XXXX  that my credit report changed. I logged in and looked and found that someone put an account on my credit reports that was opened in XXXX. I never opened any accounts in XXXX and I also noticed my social security number was reported as incorrectly on my XXXX  report. I was never sent a right to dispute this collection account or any validality of what was put on my credit report per the law states. The name of the account is 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 2017-11-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is a FHA loan serviced by Wells Fargo. I have had my loan since XX/XX/XXXX. My mortgage payment has always been {$970.00} In XX/XX/XXXX, Wells Fargo notified me by mail that my account had a negative escrow amount due to increased property taxes. They decided to raise my payment to {$1300.00} per month. This is an increase of {$410.00} per month. I am on a fixed income and live a simple life. I called them and explained to them there was no way I could afford this increase. They said to try to make the payment. 

I started looking at refinance options with other lenders. The month of XX/XX/XXXX, XX/XX/XXXX., XX/XX/XXXX. and XX/XX/XXXX.  I continued to make my regular mortgage payment of {$970.00}. In XX/XX/XXXX. I paid a little more as I had a bit extra. My payment for that month was {$1000.00}. I was able to obtain a refinance approval with a Lender. We were ready to draw loan documents. The Lender pulled a back up credit for the Wells Fargo mortgage. They informed me that Wells Fargo was reporting me being 30 days late on my mortgage. I showed the bank all my receipts. I went to the XXXX branch today and stated my case. I spoke to a supervisor in the Loan Servicing Department. 

They informed me that they did receive my payments, ( which were made in the branch ). However, they did not apply them to the principal and interest They were placed in " unapplied funds '' account. This allows them to take my payment and apply it to the negative escrow. I informed them that was not disclosed to me at the time I made my payment nor did I agree to this. The Supervisor, said to fax a letter and they would investigate. 

In the mean time, I am unable to proceed with my new approved loan as Wells Fargo is showing me 30 days late in XXXX. I am enclosing all the documentation I have. All I ask is that Wells Fargo apply my payments to the my loan balance and not report me late. 

I became aware that the property taxes went up due to a HERO loan I took out for Solar Panels. This loan is tied to the property taxes. They file an addendum to my tax bill. This cause my property taxes to go up. This new refinance will pay off the HERO loan and save me over {$500.00} a month. I am XXXX years old. Have a humble life with a small house in XXXX County. Wells Fargo is not acting out on the customers best interest. They will be paid off including the negative escrow balance. I ask that they retract the late payment and apply all my payments to my loan. Lack of disclosure, poor management of applied payments and incorrect negative credit reporting have all caused a financial hardship.

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 2020-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
The amount on the card was XXXX and I only spent XXXX but the amount balance after the transaction was XXXX. I then proceeded to call the company to file a complaint and I was on hold for a long time. There was no answer so I decided to file a complaint to consumer finance and I was given a specialist from Bank of America but he only called once and I called back after maybe 5 minutes and he did not answer. Ever since Ive been leaving voicemails because when I call it goes straight to voicemail and he has not called me back. Its been almost two months and no response.

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 2022-03-01
Company: EQUIFAX, INC.
State: IN
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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was checking my credit report and these accounts still on.. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: NEW WORLD COLLECTIONS, INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
During the month of XXXX I have received 4 various XXXX XXXX credit cards taken out in my name that I did not apply for. I have spoken with XXXX XXXX and the cards have been closed. On XX/XX/2019 I received notification that a hard inquiry from Capital One was made to both XXXX   and XXXX. I DID NOT make this inquiry or have any part in this. I am actually in XXXX on vacation and have been since XX/XX/2019. I have worked very hard to maintain good credit and am very concerned. I am unsure how to proceed with this issue and would greatly appreciate any suggestions on how to resolve this problem. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-10
Company: Carvana Group, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XXXX XXXX, 2017 went online as an referral to purchase vehicle from Carvana ; on the first call there was system issues with security questions to get me verified after 24 hours that was resolved. I did everything that they request uploaded documents 3-way call with bank to verify funds. Car was delivered a week after delivery a rep called stating that my contract had not been signed ( after I did a total of XXXX via links provided online ) I advised rep that purchase price did not reflect the {$500.00} discount for being referred my vehicle did not come with gas card nor had I received referral code so that I can refer others as I had been referred. She stated another contract would be drafted and email it arrived I did as I was suppose to signed the contract. Received payment details in mail made first payment as agreed to lender now on X/XX/2017 was contacted by rep stating their accounting team did an audit and it revealed that my down payment was never collected due to a " SYSTEM GLITCH '' she wanted to process payment I advised that I was out of town on vacation and would call to resolve issues once I get home review banking documents etc was in a public place was n't a good time to discuss personal business she continued with my payment just be made to keep contract valid and did I not notice the draft, do n't i have online banking so I can review or can we call bank on 3-way to review transaction I declined and told rep again that I am in a public setting away from home it was n't a good time. My complaint is system related it is not a consumer issue and they should not be called and harassed about a financial matter that was on their end it took them 2 months to discover the error and no one has mentioned the {$500.00} discount I was to receive off purchase price for being referred nor have I yet to receive {$100.00} per referral for the 5 people I referred to Carvana. Was advised to tell people to give my name city and state and they will receive {$500.00} off purchase price and I would receive {$100.00} for the referral so the way I see it that Carvana owes me {$1000.00} ( {$500.00} off my purchase price and {$500.00} for my referrals ) also my gas card that every one receives with purchase. I also did not receive an owners manual was advised that it would be emailed to me and that I would receive gift card for gas in the mail which none of the above has happen. I have received numerous calls and emails threatening my contract. Which I have made 2 payments to finance company ; just do not want to wake up to a repo etc due to their system issues. Their system didnt draft my down payment, process my gift card, or referral credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am submitting this on my behalf without any third parties. I am a victim of identity theft, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days. TRANSUNION website is denying me from submitting disputes online when I didnt give my consent for this account, XXXX XXXX XXXX, to be furnished in the first place. Any person, which includes an organization, who willfully and knowingly obtains information on a consumer, like me, from another consumer reporting agency, without the written instructions or authorization pursuant to 15 U.S.C. 1681b, is information obtained under false pretenses. You have no lawful authority, this is a crime under title 18, and fines are described in 18 U.S.C. 3571.

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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have made many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and delete it from my personal credit file. 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