BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-16
Company: EQUIFAX, INC.
State: CA
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:
Hey on XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo Loan # XXXX Property Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX I was notified about a foreclosure/auction close to two years ago and the door locks on this unoccupied property have been changed at that time. I moved to another state 4 years ago. Now to my surprise I heard from a realtor who tells me there was no foreclosure. How could that be? I thought all this time there was a foreclosure and the home was sold at an auction. I also saw that the home was on the market for sale but I never put it up for sale at that time. No notification from Wells Fargo or the attorneys they assigned ( XXXX XXXX XXXX ). The bank seems to have been conveniently charging interest on this account that apparently never reached a foreclosure and now I can never pay off the balance they created. I also have doubts I can ever convince the investor to accept a short sale ( so far they've denied it when I had received an offer ). This entire situation seems to be a scam as I've received no notifications from either Wells Fargo or their Lawyers and I think they are purposefully delaying foreclosing on the home so they can charge me additional interest. Could they also be doing this to other people with a similar situation? I hope you can help. 

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 explanation
Consumer complaint received 2017-06-02
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied for the Walmart  Credit Card on    XXXX   XXXX   XXXX  .  In the fine print, it states that you have to make your purchase the day of your approval to take advantage of the 20 % off your first order promotion. It instructs you to click on link to apply discount which I did, when I went to check out, it did not apply the discount so I did not place order. I called the customer service line and they said I have to wait for email link. It is now   XXXX   XXXX   XXXX     and I did not receive my link. I did receive my card today,   XXXX   XXXX   XXXX    . Before placing an order I called customer service to inquire about promotion discount email and they said there should be a coupon with the new card, there was nothing. They instructed me to place the order and call back wi thin 3-5 business days to notify them of the order and they would note my account and I would see the credit to my account in 2 billing cycles. I place my order with Walmart. The transaction go  t denied. I continued to try to place the order with my new card and it was denied. I then called customer service again. They said they see the order amount on my account and that the order had gone through. I then called Walmart and told them what Walmart Credit Card   custome r service told me and they confirmed that the order did NOT go through and they see nothing on my account. I then called Walmart Credit Card customer service back again and explained what Walmart told me. I then remained on hold for a long time while they   confirmed what Walmart told me. The rep from Walmart Credit Card customer service to ld me that there was nothing they could do for me except to wait for the pending charge to leave my account. Now leaving me with no option to pay for my large order before my trip I have to leave for needing most of these items. This whole process seems very unethical and un-managed.

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 2017-06-02
Company: Westlake Services, LLC
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: Account information incorrect

Complaint:
West lake financial services located in California is reported on all  XXXX  of my major bureau credit reports as a closed unpaid account ... I have disputed this amount with them and have requested on numerous occasions that they send a validation of the debt and why they feel I owe that amount. The most recent call was on   XXXX   XXXX   at  XXXX  in which proper proof of this amount was not provided instead I was negotiated at a different price then listed on my credit and they would remove the account completely from my credit. I found this very strange and when I asked for paper work and proof I was told it would be emailed to me. I never received the email I called 4 days later and was told someone would call me back. I am requesting they either send proof of why they feel I owe this or request they remove it as it is hurting my credit and I am trying very hard to rebuild it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: DISCOVER BANK
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My granddaughter secured a private student loan from Discover in  XXXX in the amount of {$12000.00}. I am her grandmother and a co-signer. In the spring of XXXX, we started paying back the loan in the amount of {$130.00} monthly. My granddaughter does not make payments in time however, Discover does not charge late fees. I have got her up-to-date a few times but this week, I got a payment stub and began looking at the entire loan history. Loan was for {$12000.00} ; says total paid has been {$6100.00} ; total principal amount is {$2200.00} ; current balance is {$11000.00}. That reflects a decrease of only {$500.00}. How are we ever going to pay off this loan if in a approx. 4 year period, only {$500.00} has ACTUALLY been applied to the principal? I have tried to get Discover to explain how payments are applied but get no satisfaction. I think they are charging interest upon deferred interest upon daily interest, etc. I need to know if what they are doing is perfectly legal and how my granddaughter can get this loan paid off knowing that only pennies are going to decrease the loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: Experian Information Solutions Inc.
State: ND
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 credit bureau is reporting that I owe {$410.00} for an account under the name "  XXXX    XXXX     XXXX    XXXX   XXXX   ''. My report shows that it was opened in  XX/XX/XXXX  with an account number of "  XXXX  ''. I have never had any business dealings with this company and do not understand why this is being reported to my credit. I have never received any bills or letters in the mail explaining that I owe this debt or even why I owe it. This is not my account and I do not have a delinquent debt with this company. I have disputed this with the credit bureau numerous t imes ( si nce  XX/XX/XXXX   ) only  to receive bogus responses saying that the account has been verified? I 've done research of my own and I even called this company using the phone number provided in the credit bureau response letters. The representatives I have spoken to can not find an account that matches my personal information. Clearly something is not right. I need this to be addressed immediately. It should not take this long to conduct a proper investigation and confirm that this account is not mine.

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 2021-11-16
Company: ENOVA INTERNATIONAL, INC.
State: GA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The information you provided is different from other bureaus. This account is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureau. Also, please reinvestigate the whole information. Lets fix this immediately. The Bureau is obliged to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: World Acceptance Corporation
State: GA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The WORLD FINANCE CORPORATIO account is reporting late, yet it is closed and the balance is XXXX as reported in my Credit Bureaus. Lets review this now. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: MARINER FINANCE, LLC
State: GA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This just proves that XXXX Credit Bureaus lacks proper record keeping. Now, this account is reported to be late, yet it is closed and the balance is XXXX. Lets change this immediately. The Bureau is required to verify for themselves but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: AXIA FINANCIAL, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my condo mortgage earlier this year through  Axia Financial. My loan officer  was  XXXX   XXXX .  <P/> I was given a rate ( that I was told I was locked in at with no other stipulations ) and terms of the loan refinance and the ball was in my court to follow through with the actual signing to close the deal.  <P/> When I followed up to go through with the loan refinance I was told that the window for locking in the rate had passed and that I would have to pay {$500.00} + dollars to keep the rate that I was quoted previously, when I had not been told this time deadline previously. At the very least that seems shady.  <P/> Moving forward, the first notary that was sent to my house had the wrong loan terms.  <P/> Next, I was told that I would get a roughly {$2500.00} check back from my old escrow. I received a check for only {$300.00}.  <P/> On top of that I have now spent countless hours of my own time calling into my new bank because the insurance given to the new mortagage bank was incorrect and I ws told that my personal content insurance and property taxes would be handled through an escrow account, which I paid. Now my mortgage bank,  XXXX  is telling me I do n't even have an escrow account.  <P/> On top of that, I was told multiple times by  XXXX   XXXX  that I was insured and that my escrow company had the money to pay my insurance. I was sent a letter from  XXXX  that I was insured. When I was in fact not ensured because  XXXX  did not pay my insurance company. To further complicate the matter during that time I had a {$3000.00} mtn bike stolen.  <P/> I have since learning about the fact that I was not insured purchased my own insurance and have spent countless hours on the phone with my insurance company, my bank and none of the information that anyone has received through my refinance process has been correct and now I am left to sort it out.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: QuadPay
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Ive emailed this company a dozen time and I can't get any response. I can not access my account they keep sending me emails saying I have bills due and I can't login to my account!! I emailed, I called!!, I used the chat and I can't get any support.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: LA
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:
I, XXXX XXXX, a federally protected consumer, am filing this complaint against XXXX XXXX XXXX and there is no third party involved. I have sent out a letter to XXXX XXXX XXXX mailed certified dating XX/XX/XXXX. XXXX XXXX XXXX is in violation in regards to the information being furnished on my consumer report. I, the consumer, never gave XXXX XXXX XXXX any written consent nor authority to report to my consumer report. NO CONSENT = IDENTITY THEFT. The following fraudulent inquiries from XXXX XXXX XXXX. I did not initiate, authorize, benefit from, nor consent to any of the listed inquiries and I demand they be removed from my consumer report IMMEDIATELY, as they are a result of identity theft. 1. XXXX XXXX XXXX : XX/XX/XXXX AND XX/XX/XXXX. These fraudulent items on my consumer report is preventing me from having an equitable consumer report and causing great troubles obtaining personal property for my household needs. If XXXX XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to furnish these inquiries, I DEMAND these fraudulent, unauthorized inquiries be remove from my consumer report within FOUR ( 4 ) DAYS! If my demands are not met, I will hold XXXX XXXX XXXX CIVILLY LIABLE UNDER 15 USC 1681N FOR WILLFUL NONCOMPLIANCE AND AGGRAVATED IDENTITY THEFT PURSUANT TO 15 USC 1681A ( Q ) ( 3 ). Attached is an FTC IDENTITY THEFT REPORT AND THE ORIGINAL CORRESPONDENCE SENT TO XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 financed a product with XXXX. The credit bureaus have listed XXXX as a credit card which is incorrect. This is not a revolving account but a product that was financed for the exact amount of the cost of the product. 

Listing XXXX as a credit card issuer, has resulted in my credit score being lowered and other creditors denying me credit.

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 2019-08-07
Company: Experian Information Solutions Inc.
State: UT
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:
Attempt to dispute an invalid Hard Inquiry on my Experian Credit Report. Called 8 different phone numbers before finally talking to a person. On their website unable to dispute hard inquiries said to call but calling provided no solution. Representative would not put the dispute in the system and told me I had to call the Bank who made the hard inquiry but i had already done that and they said they had no record of the inquiry. Experian would not provide more information about the Hard Inquiry and provided no recourse for me to file a dispute in violation of the Fair Credit Reporting Act. 
This is the copy from the Hard inquiry : " XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online ''

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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 with product or service terms changing

Complaint:
Transunion dark web illegal activity tldr ; Transunion has two separate websites and trick users. One is a marketing site XXXX XXXX XXXX XXXX XXXX where they try to get ppl to buy a {$25.00} product, and then phish for more information. The other seems like the regular websites. They also deceive users into thinking the sites are the same ( they are not, the log in info is different, you can't use the same credentials on both sites ) and XXXX XXXX results produces the " ads '' result first so it tricks users into clicking that first. 

Details : I XXXX 'd " Transunion '' in the search bar. 

XXXX returned two results as you can see from the image ( https : XXXX ) The top result is an " ad ''. It goes to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' The bottom result in XXXX search looks the same, but it goes to a different site : XXXX XXXX : XXXX '' I clicked on the top result because it says it's the " official site '' It brings me to a marketing page ( image here : XXXX XXXX XXXX ) I clicked " Get Started Now '' I brought me to another page to sign up ( image here : XXXX XXXX XXXX  ) I am already a user, ( or so I think ) so I click " Login Now '' This brings me to XXXX XXXX XXXX which looks like XXXX XXXX XXXX XXXX XXXX' I log in and it brings me to a home page that is basically trying to upsell me to buy a {$25.00} product https XXXX XXXX XXXX XXXX XXXX They also have a Profile section and other sections to try and get you to fill in personal information about yourself so they can collect it XXXX XXXX XXXX XXXX  Additionally, if you login on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the credentials dont match the credentials for username and pw for the marketing site XXXX XXXX XXXX 

It looks like theres precedent here with Transunion in the past : hXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On XX/XX/XXXX XXXX  at XXXX XXXX. I spoke to XXXX XXXX from XXXX XXXX XXXXXXXX XXXX XXXX. I was inquiring about a refinance on a property in XXXX, Arizona. I explained that I did not want this to affect my FICA score so I did not want a Hard Inquiry. He responded that he understood, we had a pleasant conversation I explained I was looking for some options with high equity and low income. He said he was winding up the night and would continue this tomorrow on Friday XX/XX/XXXX he said he would call me first thing at XXXX. I never heard from Mr . XXXX again. Instead, I received an email on Saturday XX/XX/XXXX that stated they could sweeten the deal and I've been speaking to Mr . XXXX but haven't applied for a loan yet ( attached ). During this period, I received a warning that i had a hard inquiry and my FICA score has decreased significantly. On Monday XX/XX/ I received a text which was very unprofessional stating he was XXXX from XXXX XXXX XXXX XXXX. At this point with my FICA effected and now this text I was concerned my Social Security and other private information was being used illegally. I responded to XXXX that I wanted he last name, telephone number and extension. I received a text on Tuesday at XXXX XXXX with the information I requested. ( attached ). I also received an email from him ( XXXX XXXX XXXX XXXX NMLS  XXXX  XXXX at XXXX stating my loan was reviewed and unable to offer funding. ( attached ) ALL THIS AND I NEVER AUTHORIZED. I was finally able to talk to XXXX via telephone and explained my situation and understood he is handling this currently, he offered no explanation what was happening with Mr . XXXX and why this all started without my authorization, in fact two days after I spoke to Mr . XXXX I received an email stating no loan has been started, then three days later I received a letter from him stating loan application was not able to fund do to non activity. He had no explanation why I received this letter and told me that the letter was automatically generated because of inactive account. All this happened from Thursday XXXX XXXX to Tuesday XX/XX/XXXX early morning.

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