BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-02
Company: Experian Information Solutions Inc.
State: AR
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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. 

DEPTEDXXXX XXXX {$4500.00} XXXX XXXX   XXXX {$0.00} DEPTXXXX XXXX {$1100.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX XXXX XXXX {$550.00} DEPTXXXX XXXX {$3500.00} XXXX  XXXX {$9500.00} XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX  XXXX   XXXX {$440.00} XXXX XXXX XXXX XXXXXXXX {$130.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$63.00} XXXX XXXX XXXX {$300.00} XXXX XXXX {$440.00} XXXX XXXX {$4500.00} XXXX  XXXX {$6000.00}

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 explanation
Consumer complaint received 2019-12-02
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I currently have an auto loan with Ally Financial. I am near the end of my loan and am ready to pay-off the loan. Now that I am ready to pay-off my loan, Ally has added late-fees to my loan. These 'late fees ' began in XXXX thru current. However, these fees never showed in the current balance due. When I contacted Ally for an explanation of these fees and why they were never included in my current balance due they said that as a convenience to their customers they put the late fees on the end of the loan. But as a customer it would have been easier for me to pay any late fees when I paid my car note each month instead of them accumulating any late fees thru the life of my loan and sticking them onto the end of my loan. I called Ally on XX/XX/XXXX in an attempt to pay-off my loan but the pay-off amount given online was not the same as the pay-off amount given my the CSR I spoke with at Ally. I requested that the late fees be waived since my current balance due never reflected any late fees and they Ally said that you can only request that late fees be waived once over the life of the loan and I exhausted that request in XX/XX/XXXX. But I was unaware that I had late fees so how could I request that my late fees be waived when I was unaware of any late fees on my loan? Also, my payment history shows several months of over payment of my loan but the over payment amount was never applied to the 'late fees ' on the loan.

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 2022-09-10
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 Equifax and XXXX all have different information on these accounts even though they are paid in full i advised them with certified letter 3 times all three times the answer came back verified not sure how it can be verified if the three bureaus different info and also all three say account is not in dispute when clearly they are and they say it is not in dispute when i have letters and emails showing they are

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I found these unauthorized inquires on my credit report. 
Bank of America XX/XX/XXXX Bank of America XX/XX/XXXX Bank of America XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 2017-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Have not investigated the accounts nor removed accounts that I listed as a result of identity theft

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 2022-04-14
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
Confirmation of the inability of this agency to report timely or accurately! Score was XXXX a day or so ago now dropped even while all of outstanding debts PAID! Credit bureau-XXXX XXXX bureau-XXXX Equifax bureau-XXXX XXXX As of Today XXXX FAIR XXXX POINTS XXXX XXXX TOTAL DEBT {$18000.00} CREDIT USAGE 89 %. How pathetic they do not pull correct balances ndpost. In my opinion indicative of a desire to keep scores low for millions!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX 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 602 A states : 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 2016-04-19
Company: SECURITY FINANCE CORP
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I called on last week about my account with Security Fiance in XXXX SC I called one week I owed {$140.00}. I made a payment and I called again it stated I owed {$170.00} nobody could explain to me about how the late fees work because that is over XXXX of late fees in the last 3 weeks. I contacted the consumer complaint department for Security Fiance and they contacted the Regional Manager. I had missed calls from him so I called him back on XXXX/XXXX/16. I told him nobody could explain it to me and it sound like late fees was backed dated. He explain to me that some people do not understand how to explain it. Then he started in a firm tone. You are young woman and you are messing up your credit. I told him excuse me sir I understand, but I did not call for you to preach to me about my situation, because you do not know what have taken place with me. I told him I have been out of work for a year, and I have paid a XXXX account to down to XXXX. The Regional Manger stated that he did not like my tone. I told him just because I still own you money in a calm manor does not mean that you can disrespect me or any other customers. I told him I am a adult, and I am not a child. He went on stating that people that are not in business do not understand. I told him I work in business, and I am a educated person that is not slow of understanding if you explain to me. The Regional Manager threaten and stated he will put my account as a hard account. He threaten a deceptive practice because of our conversation. Yes, my account is late but I have been paying on it, and no further action have been made my balance left is a {$170.00}. He threaten me with a deceptive practice which I am not for sure how this can turn out what he may do with my account or have on my credit. I have made multiple payments and requested receipts to be mail due to me working temporary positions their office be close when I get off no receipt of proof showing my payments been entering. How do I know if the amount have not been adjusted without record of balance.

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 2016-02-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Wells Fargo Bank is reporting a foreclosure on a property that my wife and I use to own. We were never foreclosed on with Wells Fargo. This is false and incorrect reporting on our credit report. At the time the foreclosure was reported, we did not own the 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 2022-04-14
Company: CrossCountry Mortgage LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX # XXXX made several materially false statements about his ability to offer a construction loan in order to secure my application. After receiving my application, he retracted all previous statements and informed me that he could not assist me. XXXX misrepresentations led me to apply with Cross Country XXXX # XXXX which negatively impacted my credit score and creditworthiness with other lenders. XXXX misrepresentations include : - credit score requirements - interest rate - cash at closing requirements - down payment requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AR
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
On XXXX/XXXX/16, I sent {$760.00} via MoneyGram. The receiver rejected the funds and they were returned to MoneyGram. As of today, MoneyGram has failed to return the funds to me and everytime I contact them I receive a different story. I have asked to speak with someone in charge that can make decisions and I am told there is no one to speak with. MoneyGram has been holding onto money that is rightfully mine for over 10 days. The money needs to be returned along with the fee I was charged for sending it. This issue has taken me away from my job for 2 days trying to get it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
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: Personal information incorrect

Complaint:
1. The following personal information is incorrect Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2015 XXXX XXXX XXXX XXXX, GA XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On approximately XX/XX/2022 I paid off my XXXX credit card and had zero utilization. At that time I had a credit score in the range of XXXX on all 3 bureaus. However, as soon as I paid my credit card off, XXXX informed the credit bureaus ( although it was after they had already completed an updated report to the bureaus at the end of my billing cycle on XX/XX/XXXX ). On approximately XX/XX/XXXX, and again on XX/XX/XXXX, my scores on ALL of the bureaus dropped between XXXX XXXX points and the reason given was because I had a zero utilization rate on 1 of my credit cards. I have a mortgage, car note, credit cards and other mixes of credit that I have been paying timely and often more than is requiredyet the credit bureaus and their scoring algorithms have punished me for paying off a card that was subsequently given an automatic limit increase. So, now my score has been damaged all because I paid my credit card down to zero. I didnt close the accountI just paid it off. The bureaus wouldnt give me any other help or explanation other than to read my credit report thoroughlywhich I do on a weekly basis, so I didnt need them to offer that useless advice. Subsequently, I decided to increase my utilization rate to 3 percent in hopes that the new utilization would increase my scorebut NOit dropped it an additional 2 points, so Im absolutely and totally confused as to how the credit bureaus and scoring algorithms can drop a consumers scores when NOTHING changed on their credit history other than paying off the card. This makes absolutely no sense to me and it is as though the bureaus and their scoring algorithms are intentionally vague and convoluted in order to keep customers in debt. According to everything I have read, my score should not have decreased for paying in a timely manner, especially when there were no other factors involved. It is criminal how the credit bureaus and scoring algorithms are allowed to exploit consumers to keep them in bondage and paying outlandish interest rates.

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 2016-09-15
Company: STERLING JEWELERS, INC.
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
This company will contact me and let it go by the way side for several months then they will contact me then let it go by the way side. The debt is invalid because it happened way beyond the statutes of limitations, but they continue to call and harass me. The woman on the other line was vile, unprofessional, and inappropriate over the phone. She called me a thief, told me to pay my bill, and that there is no way I was able to speak to an upper management at the company. She obviously get 's her XXXX at upsetting peoples day. I was at work and have a family to provide for. This is complete XXXX, and hope they get their license pulled. I will pray that the people at this company find a better way to make a living, no one deserves this treatment. Period.

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 2022-04-14
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:
1. The following personal information is incorrect Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2015 XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXXXXXX 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
Consumer complaint received 2022-09-10
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a CD online with Citi on XX/XX/XXXX for {$5000.00}. When I tried accessing my account online which I created during CD registration/application, it has error. It's now XX/XX/XXXX. I've called Citi customer service at least 5 times on different days and they keep saying different things. I also don't know my account number because they wouldn't mail me a letter containing it until after a month.

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 2017-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Delete, delete, delete.. ALL bureaus are suppose to have physical copies of all documentation from the creditors for the accounts they choose to report. So by not having a sign contract with a third party collection is illegal for them to collect on a debt, that 's " not contracted '' with them. Last but no least, THE RIGHT OF SUBROGATION DOES NOT EXIST FOR A STRANGER TO THE TRANSACTIO
N. 73 AmJur 2nd, Section 90.
3rd party collectors are NOT ON ORGINAL CREDITOR CONTRACT!
Never sign a legal binding contract : .Cant show internal verification, so please delete immediately. " so Canceled contract '' as another dispute reason .They do not have a contract with the entity they purchased the debt from along with contract rights.

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 2020-04-02
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: Old information reappears or never goes away

Complaint:
My Credit reports are showing a LARGE list of accounts which are all student loan related. 
The issue that i have is, they are past the statue of limitations to report them.

the way the companies got AROUND that, is they show " new '' activity in the last 2 years, and say payments were made when no payments were. So they stay on my Credit file because the companies RE AGED them illegally by lying thru the reporting. They show months reporting ok ( when no payments were made ), but in the payments received under it it says XXXX When you look at terms they list XXXX per month paid monthly. Some were even CLOSED Before the update date. how do you update on a closed account? 

There are SO many Accounts from them that i would be here if i listed all them.. because they are ALL wrong and ALL past the statue of limitations. They did this just to keep them on my file. Which is against the law.

If they do not remove these, i will be looking for an attorney to go to court over this. As it is hindering my chances of receiving credit. It is like this on ALL 3 of my reports.

XXXX  ( report confirmation XXXX ) TransUnion ( File number XXXX ) XXXX  ( Report number XXXX ) I have highlighted the Transunion report to show examples of what i am talking about, the other 2 reports show the same thing and between the 3 its about 40+ accounts, which is too much to list here but you will get the idea from the transunion

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 2020-04-02
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have tried to do a loan modification for years with RoundPoint. We were approved 3 times for federal assistance programs only to be denied by their investors. Recently I have tried to apply for a loan modification have have submitted the applications 4 times because they seem to not process the documents on time and state the application is now expired and have us reapply. Because we had so many issues with their documentation process we started working with XXXX a HUD approved agency. We are encountering the same problems were we submitted the same documents 3 times and they insisted have not been received. XXXX advised is to file a 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 2015-06-05
Company: WELLS FARGO & COMPANY
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
The loan is through Wells Fargo. I am the co-signer. My son has been under employed or unemployed for nearly 3 years. As the co-signer, I am keeping the loan current. However, I have asked Wells numerous times to send me a billing, allow me access via on line or something so that I know what is due and when. They say I need to have the primary account holder change the address or take other steps. They acknowledge that my obligation is not activated until it is past due. However, they call me when the account goes 10 or 14 days past due and then hit me with a $ XXXX {$30.00} late fee. It seems unfair that due to their system limitations and/or unwillingness to get me timely information, I get stuck with a late fee. They also have informed me that as of the end of every month they report to credit agencies. Based on that information, that means they are regularly showing a negative impact of my credit rating. I am the only thing standing between Wells Fargo and a charge off yet I get negative comments on my credit report and hit with late fees. Does this seem reasonable?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief