BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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.

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 2020-12-02
Company: LoanCare, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have contacted Loancare over and over again and asked for a call that is not a generic toll free number and does not go to the right people. I believe that they are ignoring me and have decided not to give me the modified percentage to what the market reflects at this time in an attempt to continue with predatory percentages and pricing. I have sent payments, 4 letters to CEO XXXX XXXX COO and some administrative consumer person asking for assistance. I get generic letters 2 pages long which do not address any of my questions and requests. My interest rate is 4.5 % and we should be able to get it to 2.75 % based on current offers. This is an abuse of their own rules which offers a modified rate program and since my wife and I have FICO scores in the XXXX range we easily qualify. I continue to wait for an answer and an offer but we are not going to wait any longer and will take action if you can not help us. We are also prepared to pay down the existing loan by {$40000.00} to show good faith now that we sold another property.

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 2019-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/18 I filed a complaint with the CFPB regarding the request for investigation I made with two credit bureaus, report # XXXX ( TU ) and XXXX ( XXXX ). 

I received a response from the CFPB that despite multiple attempts on my part over the course of several months for XXXX  and Transunion stalling that they would still be given another 90-days. Well guess what, today is day 90 and they have NOT responded or deleted the unverified information from my report. 

HOW ARE THEY ALLOWED TO DO THIS? I am again asking for your support in having this deleted. 

MAKE THEM COMPLY WITH THE LAW. I can't keep keeping up with this. I shouldn't have to. It's stressful and harming my score. If you can't make this happen what other government agency do I complain to? This is ridiculous at this point, they have not done a reasonable investigation nor complied in a timely manner!

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 2020-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX, Transunio, and XXXX  have continuously verified accounts listed within my consumer credit report as accurate when the accounts in question do not belong to me and are reporting in error. 

The following items should be removed from my report IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   There are also 17 unauthorized hard inquireis listed within my consumer credit report which should be removed also. 

Please note that I have made plans to retain an attorney and provide copies of my police report, credit reports, and written statements if this matter is not resolved with the credit reporting bureaus as they never seem to take any consumers credit serious as they are making money off of this issue.

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 2022-02-24
Company: Block, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Cash app /Square disabled my card 3 weeks ago and it hasnt been fixed yet... I keep Filing complaints a d nothing is happening... I am unable to pay my bills ... Due to this I have about 5 bills that are recurring monthly and I am getting notified about late fees and stuff because of this .... 

The card has been activated I have used it ... I am just tired of this ... It needs to be fixed ... If its not fixed soon ... I will be failing a federal lawsuit... They need to compensate me for my late fees and the inconvenience Pastor XXXX XXXX XXXX $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had applied for a home loan in beginning of XXXX. I was assured that I was going to get a Mortage Rate of 3.625 % on the phone with XXXX XXXX from WellsFargo XXXXXXXX XXXX XXXXXXXX. He assured me no matter what the rate goes up to, I would be getting this rate as long as I complete the application with him today. I completed the application with him on XX/XX/2022 on the phone. Everything was submitted that day. I even submitted the comparator Loan estimate from another company to match the rate. I was assured as long as I submit the comparator loan estimate, I would get that rate with no questions asked. Then the first loan estimate I received from Wells Fargo had a larger mortgage rate than what I was told and considerable more in Loan points to buy down the rate. There was also a mention of Lender credit of {$3500.00} that was entered incorrectly as a Seller credit to confuse me to think that I am getting a credit. 
I asked Wells Fargo to switch the mortgage consultant from XXXX to another person because I was not getting a timely response to my questions. The second mortgage consultant was XXXX XXXX XXXX. XXXX XXXX XXXXXXXX. 

When I inquired further, Wells Fargo told me the credit was no longer available even though I was promised by XXXX they would match the comparator loan estimate including the lender credit of {$3500.00}. At this time I needed to speak with the Manager of Both XXXX and XXXX who is XXXX XXXX XXXX ID XXXX. I was not able to resolve the issue which is the false information I was given to sign up for a loan when I could have spent my time with other mortgage lenders. This has resulted in lost time and unnecessary credit checks done on my account. I want Wells Fargo to honor what they had said in the beginning on XX/XX/XXXX about giving me a loan at 3.625 % with no points and a lender credit of {$3500.00}.

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 non-monetary relief
Consumer complaint received 2017-05-31
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Loan  Care, LLC,   XXXX   XXXX   XXXX ,   XXXX    XXXX , VA  XXXX  Re : Loan  XXXX  Loa  n Care had fabricated ( 1 ) a payoff, ( 2 ) a delinquent and ( 3 ) a default all at the same time ; whereas evidence indicated none of the above is true.
<P/>
My record also indicated that Loan Care has mess-up of the same mortgage account about a year ago, and dragged long enough to correct it. When the mess-up was cleared you had irresponsibly posted a derogatory on your customers credit file for the mistake you initiated.
<P/>
It is apparent that Loan Care never service their customers account seriously and professionally.
<P/>
The attachment will give a full of the complaint.

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 2017-05-31
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
To Whom It  May  Concern : O n    XX/XX/XXXX  I got  a letter in the mail from  XXXX   XXXX  at the time that notified me that I had been approved as a cosigner for my cousin for {$4500.00}. Who was going to college in  XXXX ,  XXXX  to become a   XXXX   XXXX  . I told my cousin at the time that I normally do n't cosign for anyone for anything. She came to me as a last result because her mother could n't cosign for her because her bad credit. She needed this loan to help her finish getting her degree. I told my cousin that I live on a fixed inco me ( SSI ) fr om month to month and that I value my credit history. That I would agree to be her cosigner only if she paid her loan payments every month on time. That she would n't do anything to mess up my credit while she was paying off her student loan. Since  XXXX   XXXX   XXXX  sold my cousin 's account t o Navient. I ha ve also had a child in  XXXX  who has special needs so I really stay on top of my cousin paying her loan payments. For the past 2 months my cousin has been late on her payments or have n't paid her full payment but paid something on what she owe. My cousin in the past has been normally very responsible about paying her bills. Each time Navient call me or mail me something. I call or text my cousin and sometimes even send her picture text o f letters of Navient  threatening my credit and turning account over to collection agencies. I ask my cousin is there anything going on with her finances and t hat Navient  offers deferred payments if she needs help or to just call them and make a payment arrangement . Navient has been harassing me for a little over a week now. Navient calls my home  phone everyday even on Saturday and Sundays. They call back to back  up to 7-8 times a day  everyday, as early as    XXXX   XXXX   XXXX   XXXX   XXXX    and as late as     XXXX   XXXX   XXXX   XXXX   XXXX  . I have talked to  Navient  representatives a few time when they have called so much and explained this same situation to them. They tell me that they 'll stop calling me and give me enough time to talk with my cousin so that she can make a payment but they do n't. Some  of Navient representatives have had nasty attitudes, have been pushy, and unsympathetic. Navient ha s been threatening on the point of blackmailing when it comes to reporting this on my credit history and turning it over to a collection agency. I 'm trying to keep anything n egative from Navient fro m going on my credit report unnecessarily. I pay my own bills on time and I need my credit to stay in good standing in the event I need to get something for my child who has special needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: EQUIFAX, INC.
State: NY
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:
XXXX, XXXX, and Equifax have continuously verified accounts listed within my consumer credit report as accurate when the accounts in question do not belong to me and are reporting in error. 

The following items should be removed from my report IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are also 17 unauthorized hard inquireis listed within my consumer credit report which should be removed also. 

Please note that I have made plans to retain an attorney and provide copies of my police report, credit reports, and written statements if this matter is not resolved with the credit reporting bureaus as they never seem to take any consumers credit serious as they are making money off of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
There is a false claim against me that has effected my credit score negatively. It is a credit card account. I have never knew anything about this account. Someone has committed fraud and needs to be held responsible. When I received a bill in the mail about an account I never knew existed I did some investigating. As of now on this account it says there is {$5500.00} due balance. How is that even possible when it says there is a {$2000.00} limit? It also says the account was closed on XX/XX/2019. And on XX/XX/2019 the account had a {$0.00} balance due. This makes no sense. All I can say is my credit score needs to be fixed and I never even knew about this account. Please see the attached images I have attached to support my claims.

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 2016-07-23
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ
Product: Consumer Loan
Sub-product: Personal line of credit
Issue: Account terms and changes

Complaint:
Springleaf Financial Services placed several inquiries on my credit report as a result of someone submitting an application, using my personal information, without my consent. The dates of these inquiries are : XXXX XXXX, 2015 XXXX XXXX, 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
XX/XX/XXXX I transitioned to a new job. My final paycheck from my previous employer was delayed and with several items due on XXXX/XXXX/16 including state taxes, I opted to cash a convenience check from XXXX XXXX XXXX/XXXX at Chase bank. The check was deposited on XXXX/XXXX/16 and returned by Chase on XXXX/XXXX/16. XXXX XXXX maintained that the check was cashed. Chase maintained that the check was returned. I have been stuck in the middle without the requested funds or a credit to my XXXX XXXX for two billing cycles. I have incurred interest charges and fees on monies posted to the credit card, incurred late fees on items including mortgage payment and have outstanding payments due ( including late fees ) on several outstanding items as I have tried diligently to resolve this. Additionally, I have spent HOURS on the phone and in the Chase branches on 3 occasions trying to find a solution. I have no idea how one would " compensate '' me or " make me whole '' from one of the most frustrating situations of my adult life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 have already send complaints and letters to the bureaus and to the companies and they never response to my request to provide proof of validation, payment history and all the results of the investigation but they never provide any of the request I sent. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date opened 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 2020-01-17
Company: LEXISNEXIS
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I keep not being able to be verified by the many company that use lexisnexus and it is causing a huge headache and is a huge pain in the XXXX. This company is so difficult to get in touch with and does not understand that when they make a mistake it affects peoples lives tremendously. All of the money that they are making they should invest more of it to make sure people have easy access to their own report and easy to correct incorrect information. A company that pays can easily get information instantly about you but it can take months for you to get your own.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Have had a Kohl 's credit card for years, the card has always been on auto pay. I was ill last month so didn't check my statement. Today I received a letter from Kohl 's saying that they had temporarily suspended my account due to non payment. I tried to log onto the account and was unable to, so I called the number on the letter, made the payment of {XXXX}, asked why it was no longer on auto pay and was told that since I had a XXXX  balance a few months ago it kicked me off of auto pay. I asked how I was supposed to know that and didn't receive an answer. Asked to have the late fees removed and they agreed. Asked how I could access my account and was transferred to customer service where I was told that someone had manually taken me off of auto pay, wasn't me I would have no reason to do that. Asked why I couldn't access my account as all the info I entered was correct and was told that they had sent a new card to me in XXXX and I would have to use those numbers. Explained that I did not receive a new card and if they had sent out a new card how was it I was able to use the old one? Was told that I could always use the old one which made no sense. Asked for a supervisor was basically told that they always let you use the old card in case you want to give it to a relative to use. So theoretically you could have several old cards laying around and give them to others to use. ( who does that? ) Told me that they sent me an email each month to access my statement, asked her how I was supposed to access my statement when I couldn't get into the account and I wanted to be able to access my statement today. Told me I couldn't. Also told me that I had been reported to the credit bureau as being late two months. When I told her that I wouldn't have been late if they hadn't kicked me off of auto pay she told me that they had a new program which had fouled things up. I informed her that they needed a new programmer and because of their incompetence their programming problem had now become my problem and I didn't appreciate it. Again no answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-26
Company: ADP Inc.
State: CA
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:
After submitting a complaint to the CFPB, # XXXX, ADP responded XXXX paying a portion of the outstanding payments to the IRS and California XXXX XXXX Department XXXX XXXX. ADP promised to pay the penalty and interest charges that were incurred because of the error ADP had made in XX/XX/XXXX. I have sent many emails after the partial payments had been made, but I am getting no response from the company. As noted in the previous complaint, email is the only method for reaching ADP. The penalty and interest charges are still accruing at the IRS. The XXXX penalty and interest charges were paid by me and are no longer accruing, but they should be reimbursed to me by ADP. The combined charges are approximately {$8000.00}. Your agency deemed the case closed after contacting someone from ADP. It is clearly not closed as ADP has only met a part of their responsibilities. 

My intention has been to close my business and associated banking account at the end of this year, as I will be retiring. It is my understanding that ADP needs the bank account open to reimburse me for the penalty and interest charges. This will incur an additional {$800.00} estimated payment to the California XXXX, plus an additional tax return running about {$1000.00} ( based on past charges ). I believe ADP should reimburse me for these costs if they do not reimburse the other charges before the end of XXXX. 

It is unreasonable for ADP to take almost a full year to make amends for their error. I have tried diligently to work with them, but it was not until I contacted the CFPB that some response was made. I assume you can retrieve the details of my earlier complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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, XXXX  XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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. 

Furthermore, XXXX  XXXX XXXX is reporting conflicting information on my report. In the Additional Information Section it states, " Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$5500.00} ; '' however, they are reporting an amount due of {$9900.00} as of XX/XX/XXXX. Please review the attachment as confirmation of these facts.

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