BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-30
Company: SUN WEST MORTGAGE COMPANY, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have requested to contact to the CEO a number of times but with no regard. Sun West Mortgage Company ( XXXXXXXXXXXX, XXXXXXXXXXXX and XXXXXXXXXXXX ) did the following. 

XXXX. Had me sign a loan application where they led me to believe there was no closing cost leaving XXXX section blank and claiming at that point it was no money to closing cost loan. 
XXXX. XXXX was done saying XXXX thing and then XXXX months later it was noted as an error. XXXX months with no follow up. We had a weekly request in on what is going on with the refinance and every week Sun West claim was all good and still in the process. 
XXXX. Requested a number of additional things from such as my bank statements when the federal loan requirements say not to ask for thisXXXX. XXXX XXXX has claimed after the fact that something was mailed to me with the closing cost back XX/XX/XXXX. This did not happen. Nobody has seen what she is claiming. I asked for my signature on it somewhere which does n't exist. Only my signature on a loan application with the XXXX area blank is what they can find. 
XXXX. CEO refusal to follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-04-22
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone had broken into my account and made withdrawals, and took out XXXX $ from an ATM. They used the money to do grocery shopping at XXXX and XXXX using XXXX XXXX to pay for the items. That person knew how to get into my account and knew my PIN and the bank is doing nothing to help and will not give back the money. They did not do an investigation, nor has they did not check cameras during the time of the crime. In the meantime of the crime, I was at work. No one has my card or my phone, however.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-01
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On  XXXX   XXXX   2017 , my paychec k ( direct deposit ) {$1300.00} was transferred to my ( adult ) daughter 's account without my permission. I was told by the bank that my daughter added me to her account as a joint owner. I never gave Navy Fed  eral CU authorization to add me nor did I sign any agreement. In order to be eligible to open an account with Navy Federal, you need to be related to a member. I gave her my information so that she would qualify but not to be added to her account. When she signed up, she provided my info and the account was set up incorrectly. I spoke with two different supervisors and my daughter went in to the bank in the city she lives in and spoke with a branch manager. The y all said the same thing, they could not return the funds to my account because I was responsible for her account. I explained to a supervisor named  XXXX  that I had not given authorization to be added to her account and her response was " you should not have given your daughter your information. '' I am unsure of what I could do have this issue corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-07
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: Was not notified of investigation status or results

Complaint:
Hello I sent my dispute letter to Trans union, XXXX and XXXX on XX/XX/2021. I have not heard back about my dispute its become a really stressful waiting and not getting the issue fixed. The credit bureaus are in violation being that they have 30 days to respond back but I have not heard back from them.

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 2016-02-09
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complain because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts i disputed. 
Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) - they are required to " ... promptly delete all information Which can not be verified. " that i have disputed. please resolve this manner as soon as possible. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
The Debt Pertaining to XXXX by XXXX has been previously deleted off of my Credit Report. 
However, as of XX/XX/XXXX, they reinserted the debt I have disputed with Equifax as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have been receiving mail from CapitalOne addressed to me, and to another individual I do not know, and has never lived at my address. I am a credit card customer with CapitalOne. 
I originally contacted CapitalOne on XXXX/XXXX/15 regarding this issue. They took information from me, including numbers off the mailing. They also had me put the letter back in the mail as return to sender attn fraud dept. 
I was told they would investigate and get back to me. I have yet to hear from them. 
On XXXX/XXXX/15, I received another letter from CapitalOne - addressed to me and the same person I do not know again. I contacted CapitalOne again, and was bounced from department to department, and hung up on/disconnected twice. I also attempted to resolve the issue through there online chat, where I was told to call again. 
I attempted calling the fraud department directly, which answered very promptly, but was told they could not help me and transferred me to another dead call. 
I attempted to contact CapitalOne multiple additional times. Each time, a message stated they were experiencing long wait times. After several hours of trying to get a human on the line that could actually explain what was going on, I gave up for the day. 
I do n't know if this is fraud related, but somehow CapitalOne has my name and address associated with another individual. This does not seem like something that should be occurring.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I was sued without any notice with a debt collection from Capital One. The debt was several years old. I came to work one day to see a garnishment on my pay stub that put me in to a pretty bad financial situation. I had tried to work with the settlement attorney to see if any other arrangements could be made, but they would not hear or accept my offers. 

After this went on for a few months, I got a call from the settlement attorney telling me about great settlement offers. I contacted my payroll department at work to find out the garnishment was revoked due to an incorrect filing. My payroll department did not release any funds to the attorney from the garnishment, and will be returning the funds back to me. I had called the settlement attorney to let them know this information. They refused to give me an amount to pay off the settlement, and are wanting me to attempt to set the offer amount in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX   XXXX  had inputted an inquiry on my credit report without my authorization.

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 2016-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
I became delinquent on my account while I was in XXXX for XXXX treatment. Because of my condition I had a very hard time keeping my bills straight. During my 5 months of XXXX my father and grandfather died. I was under so much stress and fighting for my life. Once I discovered my account was delinquent I contacted Capital One and paid my account IN FULL. I spoke with them about what had happened. They agreed to not report my late payments. They closed my account and opened a new one. However, they have NEVER stopped reporting the negative account even after the assured me they would stop. In fact, for months they were reporting XXXX accounts - both negative! For over a year I have been sending them letters and they refuse to address the phone conversations I had with their employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax has XXXX Bank XXXX credit card account still listed as open and showed a 97 % utilization high rate that is bringing my rate down. XXXX XXXX showed this account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: MD
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 ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my disputed of accounts in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Reinvestigate these reported accounts and repaired it in my personal file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TMX Finance LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a payday loan from Title Max for the amount of XXXX. I got the loan near closing operation time at that point I was insured that I would only be paying back {$380.00}. The loan occurred in XXXX of XXXX  My first payment was scheduled for XXXX which I verified XXXX separate times. I spoke to a XXXX XXXX XXXX XXXX. I was repeatedly assured that {$380.00} was the entire payoff amount. Which is the only reason I agreed to the loan. My bank account was unknowingly attached to the loan without permission. I was rushed out the door after processing the loan which the details were vague. I also was not provided with a contract. When I called to request payment information the representative was vauge and informed me that they didn't know what the payments amounts were. Titlemax then started to attach predatory taxes and fees to the loan. I was then becoming harassed by ridiculous amounts of unsolicited phone calls and harassing letters in the mail. I will be sending titlemax a cease and desist notice. I feel I have been predatorily targeted. To be specific a " XXXX XXXX XXXX '' is the individual who unecessarily makes harassing phone calls using a threatening tone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: TN
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint:
my daughter is only XXXX years old. 
She has already received scholarship notifications. My wife shredded them. 
My daughter knows how to use the internet, better than I can. Equifax does not answer the phone. I will mail photocopies of the documents you require, as well as attach them to what ever this is. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted the three credit bureaus on XX/XX/2022 to inquire about some inquiries that I do not recognize. I asked the credit bureaus to provide me with a credit application because I don't recall making such inquires. I asked them to verify and send me proof of the credit inquires because I don't believe the creditor or the credit bureaus are abiding by the law of permissible purpose, because I don't recall ever making such a request for my credit to report to be pulled. I've sent multiple letters to all three bureaus and I did not receive anything back from XXXX in which I know they are illegally Ignoring me. XXXX sent something back stating I have to contact the creditor directly and Equifax never got back with me either. I have mail receipts via USPS and It says it was delivered to them. I've sent multiple letter addressing the issue and they have done nothing at all but violate the FCRA. I took the matter in my own hands and reached out to each creditor and none of them can verify the credit application used to determine the inquiry they listed. I believe the credit bureaus are not reading my request and are just sending out pre template responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted the three credit bureaus on XX/XX/2022 to inquire about some inquiries that I do not recognize. I asked the credit bureaus to provide me with a credit application because I don't recall making such inquires. I asked them to verify and send me proof of the credit inquires because I don't believe the creditor or the credit bureaus are abiding by the law of permissible purpose, because I don't recall ever making such a request for my credit to report to be pulled. I've sent multiple letters to all three bureaus and I did not receive anything back from XXXX in which I know they are illegally Ignoring me. Transunion sent something back stating I have to contact the creditor directly and XXXX never got back with me either. I have mail receipts via USPS and It says it was delivered to them. I've sent multiple letter addressing the issue and they have done nothing at all but violate the FCRA. I took the matter in my own hands and reached out to each creditor and none of them can verify the credit application used to determine the inquiry they listed. I believe the credit bureaus are not reading my request and are just sending out pre template responses.

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 2016-09-30
Company: Paypal Holdings, Inc
State: CT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I called Paypal Credit earlier today, XX/XX/XXXX, to accept a settlement amount of XXXX which is supposed to be accepted by XX/XX/XXXX. The rep in collections, XXXX, first stated the amount is due in full and then stated an amount of XXXX over 6 months. I have a payment scheduled in the amount of XXXX for XX/XX/XXXX, I explained to him that I do not have XXXX to pay a month. If I did, my account would not have become delinquent. As you can see, Paypal Credit and their reps are asinine to say the least, they also tend to lie. Previously, one rep lied about a cease and desist on the account, there was never one placed as numerous other reps spoken to subsequently did not mention it and were willing to discuss account with me. In closing, please advise Paypal Credit I accept settlement amount of XXXX as there is several fraudulent orders to XXXX which runs into the thousands. However, I do not have full amount up front and can not afford XXXX a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
On XX/XX/XXXX, I wrote to the bureaus providing my personal information. However, no corrections were made.

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 2022-07-26
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I won XXXX in a sweepstakes game an my money was deposited into my chime account an then chimeclosed my account leaving me unable to access my money

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: Paypal Holdings, Inc
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
I recently received a phone call from PayPal Credit regarding an outstanding balance of {$140.00} for " PayPal Credit '' purchase I made in XXXX 2015. I have NEVER used PayPal credit before - only PayPal as connected to my debit card or bank account. Typically, this was for payment to individuals. This specific {$45.00} payment was to a friend who has a baked goods company and she baked and delivered an order for me. I paid via PayPal, as I have done several times prior. Then I received this phone call and a statement in the mail in XXXX 2015 with a {$140.00} balance, because I chose to pay with PayPal credit. I did NOT know there was a credit option via PayPal. This is VERY misleading and deceiving and I am not going to pay {$100.00} worth of late fees for something I thought I paid for in XXXX 2015. I had no way of knowing this purchase was going to be via a credit account - I would n't have done that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-06
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
i checked my credit yesterday because i was going to apply for a home loan. i used an online site service to obtain a report and noticed several fraudulent accounts and inquiries that i didn't authorize and have no knowledge of. 

The first account Discover Bank and it was opened in XXXX of XXXX the account number is XXXX and the account was closed on XXXX of XXXX. The balance of this account is {$6400.00} and i found out about it yesterday. 

The next set of fraudulent information came in the form of inquiries on my credit report : XXXX card services - XX/XX/XXXX XXXX card services - XX/XX/XXXX XXXX card services - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am being violated as a consumer, my child support is showing as a collection on my Experian report, but I have never been late, and all the other bureaus are showing I have never been late I don't know where Experian gets this info from. I have tried fixing this error numerous times. How can this be a collection and current? Experian is not checking with the furnisher as they should. Experian responded in the last complaint that they did which is a lie because I reached out to the furnisher, and I'm told to dispute with Experian

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