BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-22
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for refinance with my current lender Freedom mortgage. I left voice mails in XX/XX/2019 for refinance option without any response. I did another time, but still no response. I finally reach out again around XX/XX/XXXX, I finally got a nice gentleman helped me with refinance application. We submitted all documents almost immediately. A few days went by, I didn't hear anything. I reached out to the gentleman helped me, and was told we had a new loan processor. I emailed multiple time and left multiple voicemails to the new loan processor and had no reply at all. I called refinance department and was place on hold for 35 mins, I finally hung up. I called again on XX/XX/XXXX was and told we got a new loan processor, i left her a voicemail, and got no reply again. I called her again and had no answer. I called the customer service and was told to hold for refinance department. I was on hold for another 45 mins and no one answered. It's been a long and frustrating process with no response at all. I believe it's my legal right to request a copy of my appraisal report at least.

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 2023-05-09
Company: Certegy Holdings, LLC
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
On XXXX XX/XX/2023, Certegy Check Services , Inc declined XXXX XXXX Cashier 's Check Number XXXX dated XXXX XX/XX/2023 at the Customer Service desk at the XXXX on XXXX XXXX XXXX XXXX in XXXX, WA. This is the first instance whereby any check cashing place declined and refused to cash a certified XXXX XXXX cashier 's check. Said issue raises red flags for a number of reasons. First, Certegy Check Services , Inc questions the integrity and solvency of XXXX XXXX Bank, which concerns me in light of recent bank failures. Second, Certegy Check Services , Inc refused to cash a certified XXXX XXXX check issued to a XXXX American woman. Certegy Check Services , Inc alerted all check cashing places not to cash any checks with my credentials. In essence, Certegy Check Services blacklisted me from cashing checks nationwide with zero reason.

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 2023-02-20
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I made a purchase for a pair of sneakers for my daughter through XXXX with an online seller. I never received the shoes and I paid the seller {$150.00} through XXXX. When I contacted Regions to file a claim, I was told unfortunately I am out of luck. The only way they would complete a claim is if it were a debit card transaction. I explained that I had not received the product but the representative stated it didnt matter because XXXX is a third party. XXXX is helping people crooks steal from innocent, hardworking people. It is not fair for someone to take money from me and I do not receive the product/service in return.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items with the bureaus on XX/XX/2022, and XX/XX/2022, but they did not remove them. 

Sec. 602 I have a right to privacy XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : 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 2020-05-06
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX {$7700.00}

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 2023-01-31
Company: Access Loan Services Inc.
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
O was looking for a loan a personal loan and I found an add on XXXX about a compang that grant personal loans. I contacted the on theyre website and after I complyed with theyre demands and payed XXXX XXXX XXXX upfront fees they didnt gjve anything and they dont answer to my emails Www.accessloanservice.com XXXX XXXX XXXX the persoan witch I payed the money in a XXXX account

Company response to consumer: Untimely response
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act the list of accounts below has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy Account name : XXXX XXXX Account # XXXX, balance {$990.00} Account name : XXXX  XXXX Account # XXXX, status Account closed 15 U.S.C 1681 section 604 A section 2 it also states A consumer reporting agency can not furnish a Account without my written instructions 15 U.S.C 1681s -2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
Company: Affirm Holdings, Inc
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had an online savings account with Affirm for almost a year now. I opened the account with Affirm being that they were paying a high interest rate. I have never made any withdrawals from the account just deposits, usually to round up the amount. 
Just recently Affirm raised their rate of interest that they were paying on their savings account so I transferred {$200000.00} from another XXXX of my online savings accounts. I have been doing this same thing for years now and never, ever encountered any problems with any of my accounts being frozen. 
When I called Affirm a few weeks ago in regards to why my account was frozen they informed me they were investigating. I told them I felt like I was being treated as a criminal for no wrong doing and that if they wanted to monitor my account for suspicious activity that was fine but to freeze my account because I had transferred a large deposit was unacceptable. I told them that most banks treated me as an elite customer for the amount of money I had on deposit with them but with Affirm I am being treated as a criminal, like my money was obtained illegally. I feel they have no right to be holding my money, I have done nothing wrong and I am certainly not a criminal. It is my business how I earn my money and not theirs. I could understand if their was a lot of transactions taking place either withdralals or a lot of large deposits. But the only reason I had a large transfer was because they were offering a higher rate than most other online savings accounts. 
I have spoken to numerous respresentatives over the past two weeks and have demanded they release my money but to no avail, all they keep telling me is the same thing, " they are investigating and it could take 3-5 days ''. I even have spoken with two Supervisors and when I ask to speak to that particular department that is handling the investigation they tell me they do not talk directly to customers. I had a representative today tell me that basically everytime I call in I am putting my case back into 'cue ' meaning that the process starts all over again. 
I am so very upset over all of this and can not believe that they can continue to hold my money, money that I have worked hard and earned legally. I feel that they are not a reputable online savings bank and should not be able to continue offering their banking services online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This account is a payday loan masked as an installment. I borrowed {$3000.00} and have made payments totaling {$2300.00} and continue to make payments of {$110.00} every two weeks through a payment arrangement. They claim I still owe them {$4600.00}.

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 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XX/XX/21 I sent a certified letter to TransUnion in which receipt had been confirmed on XX/XX/21, to dispute the inquiries listed on my credit report and request that they removed in their entirety. I had received no response from TransUnion nor any update to my credit report as a result. After XXXX days with no response, I sent a second certificated letter to TransUnion on XX/XX/21 in which receipt had been confirmed on XX/XX/21 to follow up again on my inquiry disputes and requested a second time for them to remove them from my credit report. 

As of today on XX/XX/21 I have not heard any official response from TransUnion nor any updates to my credit report stating they were working on my disputes and legally they are required to remove all of my inquiries from my 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 non-monetary relief
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm here to ask for your assistance with regards to my dispute XXXX days ago. I wasn't notified of any investigation taking place nor it's results. I hope that the accounts mentioned on my dispute will be deleted since all of them were misleading and falsely reported as being mine. Also, it's already past their investigation so everything must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Experian Information Solutions 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. XXXX XXXX {$390.00} XXXX  XXXX {$1000.00} XXXX XXXX {$480.00} XXXX/XXXX  XXXX {$620.00} XXXX/XXXX  XXXX {$4100.00} XXXX XXXX XXXX XXXX {$420.00} XXXX  XXXX XXXX {$950.00} XXXX  XXXX {$7900.00} XXXX XXXX {$1200.00} XXXX XXXX {$410.00} XXXX/XXXX  XXXX {$1200.00} XXXX/XXXX  XXXX {$1200.00}

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 2023-05-22
Company: FIRST HAWAIIAN, INC.
State: NV
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:
I paid off my Car Loan with First Hawaiian Bank on XX/XX/23 and was told that my credit should update at the end of XXXX because it usually takes a month now it's almost end of XXXX and my credit report is still showing that my loan is open and owing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: OH
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 have been trying to dispute an address that I believe to be a part of litigation in identity theft from a breach in 2017. And according to this they are not taking the proper step under the FCA to investigate, accurate information as well to withholding proof on how the information was obtained, re-adding previously deleted information, unwilling to verify an address, place on account through identity theft or fraud

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 2018-08-08
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
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:
I have submitted information and spoke to managers @ XXXX and they continue to deny or ignore my requests. They have failed to provide me with proof that XXXX XXXX XXXX is the person that authorized the inquiries.

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 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In addition to continued multiple complaints with Consumer Financial Protection Bureau, please accept this as intent to also file complaint with FTC against XXXX XXXX XXXX XXXX President 's Office, XXXX, and Transunion as conspiracy to evade the Fair Credit Reporting Act. The attached undated permission is viewed as complete and acceptable permissible permission to be used once if not multiple times to access my credit and private information repeatedly ; time after time. Transunion, XXXX, and their client, XXXX XXXX XXXX President 's Office, believe an incomplete document without date is unnecessary for permissible permission to access American 's Private Information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treaty payment on a credit card account under an open end consumer credit plan as late for purpose.

this is exactly what it say. a

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In XXXX my car was repossessed. I was never notified by Santander of any action being taken. Pursuant to Georgia Law 10-1-36 it states a deficincy can not be claimed unless all of the required notices were properly sent. I requested the legal certified documents from Santander on XX/XX/XXXX via XXXX  showing proper protocol was taken. My letter was delivered on XX/XX/XXXX. I received a response from a secondhand company XXXX XXXX on XX/XX/XXXX, which was a settlement letter. No certified documents have been provided like requested in the 14 day time frame which considers the deficiency null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Td bank was contacted on XX/XX/2020 regarding a purchase return XXXX transaction. Td claims account went negative and charged overdraft fees. Upon logging into account found that balance was XXXX on same date I posted amount XXXX to cover the amount. Td then stated they charged overdrafts for charges on the account that were not authorized for the overdraft protection as I opted out of this. They claimed its required on all accounts. This seems like they are stacking their overdraft fees as I paid the overdraft on the same day it posted and post more funds to cover the balance I would request that td bank refund the XXXX dollars thats removed from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-26
Company: Kikoff Inc.
State: AZ
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 have been trying to buy a car and i was denied due to damages to my credit according 15 USC 1681 Law That is deformation to my character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
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 information incorrect

Complaint:
Last 2 years I have tried to no avail to challenge my accounts on the credit reporting agencies. I also retained XXXX XXXX which is a credit repair company and they had little to no luck

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 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TransUnion. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/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 2020-07-22
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I pay my Comenity/Victoria 's Secret Credit Card through my bill payer. I set up a payment to pay my balance in full by the due date. The due date was XX/XX/XXXX. The payment posted on XX/XX/XXXX. I was charged {$2.00} interest on this one day late payment. 

Since I had paid my balance in full and had not made any further purchases, I haven't looked at my account since then. 

On XX/XX/2020, I received a phone call from Comenity stating I had a balance of {$50.00}. They wanted me to pay over the phone. I was shocked because I had paid my balance in full in XXXX. I told the representative, I couldn't believe I owed them and I would review my account. 

Reviewing my account, I saw that the payment posted ONE DAY LATE. They charged me A finance charge of {$2.00}, increasing up to {$50.00} I emailed them and told them I would pay the {$2.00} but I didn't think I was responsible for all the additional fees. Most companies would waive the fees, since it was probably the bank 's fault for getting there one day late. 

I have attached the statements.

Company response to consumer: Closed with explanation