BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-11
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 fraud alerts or security freezes

Complaint:
This form only allowed me to mention one problem but I have had two with Experian : By way of background, I have a long and positive credit history. 
1. I received a letter from Experian that a creditor had reported a change to my name, address or SSN. I obtained my credit report and found address and employer errors. I sent in the corrections along with a copy of their letter and my personal information. 
I received a reply that said they were unable to locate credit information about me because I either didn't provide sufficient ID info or I haven't established a credit history. How does this make sense? 
2. I bought a XXXX membership that included a bonus if I got a XXXX credit card. XXXX said I needed to unfreeze my Experian account. I called Experian, followed the prompts for a temporary freeze lifting, and provided the correct PIN and identifying information to the recorded voice. I was then told by the recording that I needed to write to Experian with a list of documentation to get the freeze lifted. Why put me through the paces on the call? Why jump through so many hoops for a 48 hour unfreeze? I gave up on the XXXX card, bad for me and bad for business.

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 2019-04-11
Company: WELLS FARGO & COMPANY
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On or around XXXX of XX/XX/2019 I started receiving overdraft fees from automatic payments that would not cancel from the company. When I contacted Wells Fargo they refused to refund my over draft fees, they refused to close my account and refused to try and stop any unauthorized charges coming through my account. This went on for several months resulting in over {$1000.00} in overdraft fees and leaving me unable to recover my account. Eventually Wells Fargo closed my account only after they were able to allow many overdraft fees to accumulate in their favor. Now I am unable to login into my account to recover any financial documents for taxes and proof of the fraud they are committing.

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 2019-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX is listing loans not taken out with them, showing incorrect balances. All loans were with XXXX XXXX, which split to XXXX in 2014 ; however both XXXX XXXX and XXXX list the same loans, therefore each loan listed twice on credit report, once as XXXX XXXX and once as XXXX. One loan listed twice which makes loan balances seen twice the balance. All loans on credit report were paid by government insurance and should show no balances at all. XXXX updated credit report monthly with balances still showing. Most debt is past the statute of limitations on originating debt. XXXX is ruining my credit by showing high balances that do not exist and listing each account twice to seem as twice the debt.

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 2019-04-11
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I ordered a dress using my TD Bank Debit Card from company online company @ XXXX from their website XXXX on XX/XX/XXXX and paid XXXX. Throughout the course of the next 3 months the company gave numerous excuses via email as to why delivery of my dress was delayed ( I have all emails printed ). 

Finally I asked to cancel my order and for the money to be refunded to the card I used when the order was placed. I never received a refund. When I emailed the company again to ask about my refund I had been blocked. 

On XX/XX/XXXX after being unable to email the company I filed a dispute with through TD Bank. 

On XX/XX/XXXX I sent all necessary information including the emails where the merchant acknowledges they never sent my dress and promised me a refund for my unfulfilled order. I was given a provisional credit and told a thorough investigation would ensue. 

Three months later on XX/XX/XXXX TD Bank denied my dispute and reversed the provisional credit causing overdraft fees. I called that weekend as was told a new claim for the same dispute would be opened and to to call back on Monday to find out why initial claim was closed. I resent supporting documents on this day. 

On XX/XX/XXXX, at approximately XXXX XXXX I called TD Bank to ask why my dispute was closed. I was transferred to a supervisor named " XXXX '' who first told me my dispute was closed due to not receiving supporting documents. Supervisor XXXX later changed the reason the dispute was closed to because the original transaction date of the charge took place more than 60 days ago. Supervisor  XXXX was curt and short with inconsistent explanations. Supervisor XXXX stated she can not reverse the provisional credit and refused to waive the overdraft fees caused as a result. I told supervisor XXXX I felt this was unfair and that TD Bank is being negligent by refusing to investigate this matter and adding further hardships by charging me fees. 

On XX/XX/XXXX, I entered a TD Bank branch location XXXX XXXX XXXX XXXX, XXXX, FL XXXX and spoke with a branch manager who agreed to waive the over draft fees. The branch manger was unable to provide a provisional credit or provide any insight on the ongoing dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-01
Company: JPMORGAN CHASE & CO.
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
My husband and I were traveling XXXX, XXXX this summer. It was happening XXXX of XXXX, XXXX. We had lunch at the restaurant named " XXXX XXXX XXXX '' and meals for two was charged XXXX euros. I paid with my card but somehow it seems that the manager was printing too long receipts. But we were only presented with the bill of XXXX euros so I signed without any doubt and left the restaurant. Later that night we found that it was charged twice of one with XXXX euros ( correct transaction ) and the other transaction was also made with XXXX euros. I did neither sign for the XXXX euros bill nor the bill was presented to us. We ran back to the restaurant to make a claim that there was a mistake that we were charged twice and the manager repeatedly apologized and promised us that he would make sure to fix the issue to cancel the wrong transaction. Our flight was the day after ( XXXX ) and we came back home in the XXXX. 
But obviously the manager did not keep his words to cancel the transaction and the credit card company XXXX Chase XXXX went through to make a total charge of XXXX euros for lunch at the restaurant. 
We filed the dispute to the credit card company explaining what happened to us while trying to get hold of the restaurant through emails, homepage contact, and international call. But the restaurant was completely out of reach. They never replied to any emails and complaints and never answered the phone. 
The arrangement of the credit card company was also very incompetent and disappointing. Though this case was such a typical fraud that some of the XXXX  restaurants are still trying to rip off the foreigners, Chase only contacted the restaurant and received the bill of XXXX euros with the fake signature that they must have counterfeited. I asked Chase to request itemized receipt to make XXXX euros because there is no way that lunch for two should end up that expensive one, but Chase was completely doing nothing and said they could n't do anything to help us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-11
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX is listing loans not taken out with them, showing incorrect balances. All loans were with XXXX XXXX, which split to XXXX in 2014 ; however both XXXX XXXX and XXXX list the same loans, therefore each loan listed twice on credit report, once as XXXX XXXX and once as XXXX. One loan listed twice which makes loan balances seen twice the balance. All loans on credit report were paid by government insurance and should show no balances at all. XXXX updated credit report monthly with balances still showing. Most debt is past the statute of limitations on originating debt. XXXX is ruining my credit by showing high balances that do not exist and listing each account twice to seem as twice the debt.

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 2018-09-06
Company: WRJ Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
We had issues making payments on this high interest predatory loan. When we expressed our concern to the store manager XXXX XXXX we were met with condescending remarks and threats. 
Additionally XXXX and store employees at the XXXX location for XXXX XXXX XXXX   XXXX  were very open and quick to disclose ver personal and private debt information to my associates and family. When advised them to stop doing so we were met with additional condescending remarks.

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 2019-04-11
Company: EQUIFAX, INC.
State: IL
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:
XXXX is listing loans not taken out with them, showing incorrect balances. All loans were with XXXX XXXX, which split to XXXX in 2014 ; however both XXXX XXXX and XXXX list the same loans, therefore each loan listed twice on credit report, once as XXXX XXXX and once as XXXX. One loan listed twice which makes loan balances seen twice the balance. All loans on credit report were paid by government insurance and should show no balances at all. XXXX updated credit report monthly with balances still showing. Most debt is past the statute of limitations on originating debt. XXXX is ruining my credit by showing high balances that do not exist and listing each account twice to seem as twice the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: JPMORGAN CHASE & CO.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a notice from Chase Bank that they are increasing my mortgage payment by {$100.00} per month due to an escrow analysis they did. They said they require a " cushion '' amount. I did not apply for the mortgage through Chase at Closing. My mortgage was sold to them. There was no required " cushion '' with the original lender. I am a XXXX senior citizen on a fixed income and I can not afford the {$100.00} per month increase. Now I fear I will lose my house. I thought the increase was a result of removing my car from XXXX XXXX who also holds my homeowners policy so I put my car back with XXXX XXXX and sent the refund to Chase Bank for the escrow account but Chase is now saying the {$800.00} payment did not decrease the monthly mortgage payment. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Out of work due to an injury that occurred at work. The doctor did n't release me to return to work yet and I am still following doctor '' s treatments and therapy.

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 2019-04-11
Company: GreenSky, LLC
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX, I applied for a Consumer Store Credit Card with XXXX XXXX. My credit inquiry should have been conducted by XXXX for review. Instead it was conducted by GreenSky Trade Credit, without my consent to do a credit inquiry. I did not apply for a " XXXX XXXX Credit Card '' My application was strictly for a Consumer credit card. I attempted to resolve this matter with Green Sky. Was told by agent to call Credit Reporting Agency. In which is XXXX. XXXX advised that company is responsible for action to remove/ delete inquiry from my report, considering it was not authorized. Please reference Application number XXXX. My request is for immediate removal of this unauthorized inquiry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
TransUnion wont let me cancel my account and is charging me for a {$1.00} service as of XX/XX/2018 2018

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 2019-04-11
Company: VW Credit
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
When I purchased my car I called VW to ask them if for some reason I had to move or leave the country due to work/school, if I would be able to transfer my loan to someone else fully. I was told over the phone that it was not a problem at all. Now I am being told that I would still be listed as the co-owner and responsible. There are too many people giving me different answers and now I may be stuck with a car that I bought based on different information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am not disputing the validity of this account number XXXX or asking you to perform any verification but rather requesting you to correct the way this account is reporting to EQUIFAX and XXXX  XXXX Please note, this account is reporting accurately on XXXX. The Current STATUS is still reporting a delinquency " STATUS '' XXXX days past due. This reporting is inaccurate as the current STATUS should reflect that this account has been PAID or Pays As Agrees. Please see the inaccurate reporting of the current " Status '' of this paid closed account on the attachment 1.Per the Credit Reporting Resources Guide, current STATUS is clearly defined as a snapshot of the account status as the last reporting and does not reflect any prior historical status. A delinquent account will show its current delinquency as the current STATUS. However, when Paid or Settled, the current STATUS is bumped to PAID ( or paid/settled for less ). It is no longer a delinquency STATUS. The current STATUS of XXXX Days Past Due is not reporting correctly. Please see the Status on the attachment 1a ) Current STATUS should and must be updated to PAID or Settled to reflect the current STATUS. If an account shows a delinquency STATUS, such as a monthly delinquency STATUS or a STATUS XXXX Days Past Due, is then PAID the current STATUS is then UPDATED to PAID ( or paid/settled for less ) and is no longer once of any delinquency but rather now shows PAID. The prior delinquency is then shifted to ACCOUNT HISTORY WITH STATUS CODES. Please see Account History with Status codes. 
2. FCRA 623 ( a ) ( 2 ) requires creditors to promptly update their reporting to show a new current STATUS of PAID ( or paid/settled for less ).

2a ) CLOSED STATUS is not sufficient to inform FICO that this account is no longer delinquent as delinquencies can continue to accrue and be reported on closed accounts.

2a ) To purposely and willfully report inaccurate accounting is a violation of the law.

2b ) Correcting the inaccurate reporting of the STATUS is an easily correctible matter.

2c ) This inaccurate reporting is causing me harm and is causing mortgage lenders to view the account as if the current STATUS is XXXX Days Past Due and has caused my mortgage scores on both Equifax and XXXX   to be significantly lower than XXXX because the current STATUS do not reflect the accurate reporting of PAID or Pays As Agreed. Please see highlighted area. 
2d ) Updating the account under ADDITIONAL INFORMATION ; Account Transferred or sold is not sufficient to inform FICO that this account is Paid and Closed under Current STATUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Ad Astra Recovery Services Inc
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a debt collection for an account that I do not recognize. I have never applied for loans with this company mentioned in the remarks. The information being reported is completely inaccurate. This debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I modified my 1st loan in XXXX/ XXXX through the Department Of Justice settlement due to loss of income. It took several years to obtain the modification. I was told that my 2nd lien ( home equity line ) had been charged off and forgiven " liquidated ''. My first lien was lowered to the current market value. I have not received any correspondence from the 2nd lien holder for the past 5 years nor has the 2nd lien been reported on my credit report. Earlier this year I obtained a home equity line through XXXX XXXX. We assumed that XXXX  was in 2nd position. In XX/XX/XXXX I learned that a NOD and Election to Sell had been recorded against my property. I was not properly served. The assignment from XXXX to XXXX XXXX is fraudulent. That assignment was allegedly notarized in XXXX but not recorded until XX/XX/XXXX. XXXX XXXX  was not affiliated with XXXX in XXXX. SLS, the servicer for the 2nd, won't release any documents to me. I have requested a copy of the letter that XXXX sent to me stating my loan had been charged off and liquidated. Furthermore, I was provided a document showing that I had modified the 2nd in XXXX and that my balance had increased from {$95000.00} to {$220000.00} in less than 2 years. This is not my signature on the document and how could an equity line increase that much in less than 2 years. The clock is ticking and I am not getting any explanation from the 2nd lien holder. See attached letter.

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 2020-06-27
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: Was not notified of investigation status or results

Complaint:
this process took more than 30 days on XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, TransUnion, XXXX. 

I did not hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these people yet

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 2018-09-06
Company: GVA Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was looking for a small loan at a time of need. I was contacted by this company through my email after my search on XXXX. The loan was taken out XXXX for a XXXX loan. I have paid back XXXX. At the time I was not aware i was approved. It was just deposited in my account after i submitted the application. I have searched and tried to contact them and unable to reach. I can not find a copy of agreement which was never sent. I have paid close to double. The interest is ridiculous and im assuming a year which would take this 5 times. BEWARE OF LOAN SHARKs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: EQUIFAX, 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:
XXXX XXXX XXXX Account XXXX XX/XX/2019 It showing a 30 late payment for XXXX. I was never late

Company response to consumer: Closed with explanation