BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-09
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
To Whom It May Concern : I recently ( within the past two weeks ) signed up for a credit card with Union Bank XXXX XXXX and received the card Thursday, XX/XX/2022. In the paperwork that was sent to me with the card, the Summary of Credit Terms states in large font and in bold a " 0.00 % Introductory APR for the first 15 moths that your account is open '' under " Annual Percentage Rate ( APR ) for Purchases. Additionally, this Summary of Credit Terms states ( in bold ) a " 0.00 % Introductory APR for the first 15 moths that your account is open '' under " APR for Balance Transfers ''. Nowhere on the form does it say that using the card for a purchase after doing a balance transfer will nullify both 0.00 % promotional offers. 

Yesterday ( XXXX XXXX ), I called in to do a balance transfer and transferred {$2800.00} from my XXXX credit card, although I would have preferred to do it via paper or online form but was not able to do so on the Union Bank website ( https : XXXX ). I repeatedly had difficulty understanding the Union Bank employee 's speech and repeatedly made this clear ( our conversation was in English, and I speak fluent English as a first language ), and I did not hear any new warnings that ( despite not mentioning it the Summary of Credit Terms issued to me this week ) that if I use the credit card for a purchase after doing a balance transfer that I would be liable for a 9.99 % interest rate for not only the balance transfer but also all new purchases. I would not have realized it until today ( XX/XX/XXXX ) when I called in to transfer {$4000.00} from my other credit card and was clearly told the terms, which I feel are unfair and so I declined to transfer the additional balance. I spoke with two Union Bank representatives today ( XX/XX/XXXX ) and clearly expressed that I felt I had been misled and that I do NOT agree to paying this bank interest in the first month when the Summary of Credit Terms clearly states that the APR for both purchases and balance transfers are 0.00 % for the first 15 months that my account is open. I was told that I could file a complaint with the company but there is nothing else they or I could do, and now I have to wait 10 business days to hear back from them. Again, this is false advertising at the very least, and completely predatory behavior in my view as a consumer. 

Any help with this issue would be appreciated, I am more than happy to provide a copy of the Summary of Credit Terms that I refer to, please see attached. 

Best Regards, 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 2020-04-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In XX/XX/2017 I filed bankruptcy and at that time my attorney attempted to get my Texas Home Equity Loan reaffirmed in the same manor in which she had gotten my auto loan reaffirmed. Wells Fargo Bank refused to reaffirm the loan and when I inquired why they refused to do so, they replied to me that my attorney never requested for my loan to be reaffirmed. I have made several attempts to clarify this issue and I have filed several complaints about this issue to the bank and through cfpb and this issue is still unresolved. 
I have been making regular monthly payments ever since the bankruptcy and since Wells Fargo refused to reaffirm the loan, these payments do not show up on any of the three major credit reporting bureaus, and this is severely damaging to my credit score which in turn causes me to be denied credit or to pay a much higher interest rate, which has caused me severe financial and emotional worries.

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 2022-01-05
Company: EQUIFAX, INC.
State: AR
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In 2012 I receiv ed a letter from IRS with some owe balance for a place I have work in the past year.Icall them right away to find out they ask me if I have work in that company and I did not recognize so they star an investigation at the same time they suggest me to check my credit report and I fund about  XXXX  accounts open with my information so I star working with the bureaus   XXXX   XXXX   help me lot but Experian Is been a bad experience because every time I called they ask me to mail the same documents over and over and made modifications but is not working I feel like bounce ball between Experian and This companies last time I spoke with experian They ask me to file a new police report with account information and this will remove everything from my file so I sent my FTC report Police report copies from IRS as a proof that I was victim of Identity thief, I need your help to get my relief in my credit situation Thanks for your time

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 2021-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My complaint is that the account is reported as {$760.00} dollars past due to XXXX and showing charge offs on XXXX  and XXXX when the account has been completely paid off. however they have failed to provide proof of this debt and it is hurting me and my ability to finance a new home. I have specifically requested the final account statement and automized statement showing option proceeds and final balance after all fees applied, the value of this loan or debt should be resolved as XXXX balance and reported as satisfied or paid in full. this account has been reporting inaccurately for the past few years years and it has been hurting me and credit the entire time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Hi, I received an email from Chime in XX/XX/2021 about a debit card that was being sent to my address. I did not open any such account in addition, that address they had on file was old. I immediately emailed them and told them I did not open an account. 
I am currently undergoing other complaints of someone opening up bank accounts in my name, using my old address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, money was taken out of our business account fraudulently. Wells Fargo will not reimburse the money even though it was stolen money.

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 2017-06-18
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
i have tried to shut off autopay on my federal loans but with no success. i recently paid my loans in full but they still took my autopay of {$140.00}. now my loans are over paid but they have n't returned my {$140.00}. i would like my money back with interest. i feel like if i borrow their money and they charge me the ungodly interest that they charge me that if they borrow my money, which they have, i should be able to do the same to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
We purchased a home XX/XX/XXXX. Every payment was made on time. On XX/XX/XXXX my wife and I got XXXX. We have an online XXXX XXXX the industry shut leaving us no way to produce XXXX. On XX/XX/XXXX I applied for a mortgage forbearance. Since I thought it would take some time I went ahead and paid XX/XX/XXXX. The forbearance was approved. Unbeknownst to me they started it in XXXX rather than XXXX, XXXX and XXXX. I didnt need the forbearance for XXXX since it was paid. I have made payment on time every month since the forbearance. They are now showing my account to be 30 days late and are charging me late fees. My credit score went from the high XXXX 's to the XXXX 's. My credit is impeccable I have not made a late payment in over 20 years.

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 2018-04-22
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:
Ive recently contacted Equifax about the inaccurate reporting they have showing on my credit file asking them to remove these inaccurate alleged accounts they claim are mine. Equifax hasnt complied with the Fair Credit Reporting Act, they have not removed these inaccurate and unproven alleged accounts. I want to make the CFPB aware of Equifax willful non compliance in case I have to move forward with a civil suit against Equifax. 

To Equifax please delete these inaccurate accounts immediately. 

The alleged accounts are XXXX XXXX XXXXXXXX XXXX, XXXX XXXX  XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-18
Company: CORNERSTONE MORTGAGE, INC.
State: KS
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX. Ch.XXXX - Medical hardship XX/XX/XXXX Initiated loan modification requests due to medical hardship XX/XX/XXXX Loan modification granted with provisions for escrow of property and home insurance. No breakout of interest vs. principal loan term extended 14 months to capitalize missed payments in Spring of XX/XX/XXXX during family medical hardship shared. XX/XX/XXXX, XXXX XXXX contacted Cornerstone on balance owed and pending home sale. XX/XX/XXXX and XX/XX/XXXX- sent requests to Cornerstone requesting monthly informational statements and only received payment coupon for the month. XX/XX/XXXX. Signing with title company to facilitate sale of home. Balance stated on payoff is NOT what was shared on XX/XX/XXXX phone call, a variance that is not explained in the payoff sheet. Home is scheduled to transfer possession on XX/XX/XXXX. XXXX XXXX / Cornerstone Mortgage even after the discharge on XX/XX/XXXX and repeated calls was not forthcoming in balances owed or payments made by owner. This has created an additional hardship as we close on our home.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was really shocked when looking at my credit report and found a late payment on the following date : XX/XX/2018 I don't even know how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have disputed A Charge on my credit Report with Transunion over a dozen times! I have a fraud warning on my report which I dont understand why thy removed it without my consent. I last disputed with transunion on XX/XX/XXXX regarding the charge with XXXX XXXX for the amount of {$2900.00} I have submitted manually and electronically through various services such as XXXX XXXX, Also directly with transunion over the phone regarding the disputed information! transunion has failed to supply me with factual accuracy information from this company who has reported against me! I told them that I need proof that the company has a signed contract and identification proving that I am whom they are litigating! I have given transunion over 4 months to properly support this information or remove it and neither is done transunion sent me a report on XX/XX/XXXX with open account information! not a disputed decision And I am demanding that any And all information reported be sent to me on this company behalf!

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 2018-12-08
Company: HYUNDAI CAPITAL AMERICA
State: NC
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/2018 I WENT INTO XXXX XXXX XXXX TO TRY TO PURCHASE AN CAR. I WAS VERY PACIFIC TO NOT RUN MY CREDIT MORE THAN TWICE TO FIND OUT THE NEXT DAY THAT MY CREDIT WAS RAN 8 TIMES. I WAS APPROVED THROUGH ONE LENDER XXXX XXXX BUT THREE WEEKS LATER THE LENDER DECIDED TO DECLINE THE LOAN. THEN WHILE I WAS AT WORK UNAWARE WHAT WAS GOING ON XXXX  XXXX XXXX DECIDED TO RUN MY CREDIT 3 MORE TIMES WITHOUT MY CONSENT. THIS HAS DAMAGED MY CREDIT SCORE SOME MORE. THESE ARE THE COMPANIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( RAN TWICE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hello XXXX XXXX  has a innorrect remork on my credit I told them to remove it they said ok. But its still showing REPO. My car was never late and never a REPO. Please update. 

I never had a XXXX, XXXX or XXXX XXXX This isnt my XXXX XXXX Only one payment was made. I would never ruin my credit. 
XXXX isnt late or I dont owe remove from my credit XXXX? I dont have a XXXX account I live with my mom she has her own utlities. This is hurting me getting a mortgage please help me.

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 2021-10-27
Company: EQUIFAX, INC.
State: NJ
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:
We purchased a home XX/XX/XXXX. Every payment was made on time. On XX/XX/XXXX my wife and I got XXXX. We have an XXXX XXXX XXXX, the industry shut leaving us no way to XXXX XXXX. On XX/XX/XXXX I applied for a mortgage forbearance. Since I thought it would take some time I went ahead and paid XX/XX/XXXX. The forbearance was approved. Unbeknownst to me they started it in XXXX rather than XXXX, XXXX and XXXX. I didnt need the forbearance for XXXX since it was paid. I have made payment on time every month since the forbearance. They are now showing my account to be 30 days late and are charging me late fees. My credit score went from the high 800 's to the 600 's. My credit is impeccable I have not made a late payment in over 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I originally filed a complaint under  XXXX . The company responded and closed my complaint. I have an issue with their response. In it they advised they reached out to me and informed me of who to contact to try to handle this issue. That is further from the truth. I  received one sing le call from  XXXX   XXXX  who advised me that they received my complaint and I should receive a decision via mail and if I had further questions to contact him at  XXXX  extension  XXXX . I asked  XXXX   XXXX  if they will be able to lower my payments, g o twelve months with no interest, or even a possible settlement, but he advised me he did not know and that I would have to wait for the department who handles these issues to reach out to me. The only reas on he called was to save face that he contacted me, yet offered NO resolution. He provided false information to the CFPB in their correspondence under my last case number since he did not provide me collections, or any information during that phone call. All my information came days later when the CFPB showed their response and attached letter from the company. That phone call was only to let me know they received my complaint and that was it.

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 2017-06-18
Company: ID Analytics, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
SageStream , LLC ( who ever they are ) was used by XXXX XXXX on a car purchase. With all the major CRA I have high scores and good credit. These Sagestream people report a much lower score which denied my deal.
When I contact SageStream all you get is a recording and nobody ever calls you back.
In order to get a copy of the perverted information they say they have on you, they want you to send in all types of copies of identification. How do I know who these people are? Every Law enforcement agency in the country says DO NOT GIVE ANY INFORMATION to people or companies you do not know.
All the other CRA 's have a online or phone system to see your information if you were denied credit. Not these phonies. Why do you allow companies like this to exist? They should all follow the same rules.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I reached out to Transunion & was informed that they were deleting the fraudulent inquiries within 24 hours however they are still on my credit report.

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 2020-11-04
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am greatly concerned in regards to a matter I have been trying to resolve. 
My account Ally Financial Account # XXXX is reporting what I feel is inaccurate data. 
The date of first delinquency is not listed, The payment status showing a collection/charge off. Yet no payment history is listed prior to XX/XX/2020. I have reached out to Ally Financial to which I got a response dated XX/XX/2020 stating that they have received my request for more information yet I have gotten no other communication from Ally.

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 2018-12-08
Company: WELLS FARGO & COMPANY
State: NC
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/2018 I WENT INTO XXXX  XXXX XXXX TO TRY TO PURCHASE AN CAR. I WAS VERY PACIFIC TO NOT RUN MY CREDIT MORE THAN TWICE TO FIND OUT THE NEXT DAY THAT MY CREDIT WAS RAN 8 TIMES. I WAS APPROVED THROUGH ONE LENDER XXXX XXXX BUT THREE WEEKS LATER THE LENDER DECIDED TO DECLINE THE LOAN. THEN WHILE I WAS AT WORK UNAWARE WHAT WAS GOING ON XXXX XXXX XXXX DECIDED TO RUN MY CREDIT 3 MORE TIMES WITHOUT MY CONSENT. THIS HAS DAMAGED MY CREDIT SCORE SOME MORE. THESE ARE THE COMPANIES XXXX XXXX WELLS FARGO DEALERSHIP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( RAN TWICE ) XXXX XXXX XXXX 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