BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-29
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: Investigation took more than 30 days

Complaint:
On XXXX I mailed off letters disputing negative information found on my credit reports. It's been more than 30 days and I still haven't received any information in regard to the account 's that were disputed. I am aware that credit reporting agencies have 30 days to respond to disputes but TransUnion has not followed up with me in a timely manner. Therefore I'm submitting this complaint in hopes to having my issue be addressed and corrected. 

I have attached to this complaint the original letter mailed off and my only two forms of i.d . 
verifying that this complaint is indeed from me and not a third party.

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 2020-10-04
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, 2020, I refinanced my mortgage with NewRez. Note that I already had my existing mortgage with NewRez and had hoped this would make the process simpler than switching mortgage companies. Unfortunately, during the refinancing process, NewRez made numerous intentional errors on all of the paperwork. In general, they kept trying to add services and fees onto my mortgage that I did not want to include ( e.g. homeowners insurance, homeowners association fees ) - I informed NewRez that these fees are not part of my current mortgage and that I do not want them to be included in my mortgage because I pay them myself. The only items that were to be included in the new mortgage were the principal payment, the interest, and an escrow account for my property taxes. I informed NewRez numerous times ( verbally and in writing ) that I did not want these items to be included, and I refused to sign the refinancing paperwork on numerous occasions because they kept trying to sneak items into the mortgage. Finally, NewRez seemed to have corrected the paperwork and I agreed to sign the final closing papers. However, since the loan closed, I've learned that NewRez has not abided by the terms of the signed mortgage papers. Unfortunately, NewRez set up my account incorrectly based on how they wanted my loan to be originally ( including adding these services that I did not want ) and never contacted the county where I pay my property taxes that I have an impound account. NewRez claims they have fixed the errors but when I log onto my account on the NewRez web site, I do not see that any corrections have been made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have been a customer of Comenity/ XXXX   XXXX  for two years and never ever have I been so frustrated and   XXXX   off to be a customer. I have been requesting for the p ast two day s for a credit limit increase and I have been deal t with one hurdle after the other. I have my account blocked because I have been  a victim of ID Fraud they asked for me to lift the freeze and I did yesterday when I was instructed to call back I was told that I could not request a credit limit increase because the process of the credit bureau instructing Comenity that my credit report is free of the freeze would be up to 45 days and that it would take a supervisor to again call me back on another day to verify that I was requesting the credit limit increase. I called the person that I was speaking to out and said I have many other credit cards and no it does n't take that long for a freeze to be removed for you guys to see my credit report. I got really frustrated and requested that my account to be closed because apparently you do n't believe in keeping your companies happy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Global Lending Services LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This lender repeatedly attempts to, and successfully does, collect " late fees '' when I do not in fact owe late fees, and refuses to correctly set up and use the auto-pay feature to deliberately charge me late fees to my fund. I say " deliberately '' because every attempt I make to remedy this in advance, and anticipate this issue, this company disregards it and fails to draft their money from my account according to our agreement. I have proof of autopay setup successfully, that the funds are in my account, and that they still intend on charging a late fee for this installment payment. 

This has caused very serious harm to my credit report, and, to their obvious benefit, causes me to lose money to them in the form of late fees and now I am stuck with this loan because no one will refinance a loan on a " delinquent '' payer. 

To begin with the more recent example, today I can see on my account that my payment method is already set on my online account ; I can see that my bank account information ( with routing and account number ) is correct on the " one-time payment '' feature, and also the " autopay '' feature. I can also see the history of my payments from XX/XX/2021 - XXXX. Nevertheless, it states that I owe them late fees and my payment has increased to cover the late charges. There is no explanation given. 

If one calls, one will be routed to someone that can make payments, but that person can not discuss issues with billing, that will be another person, but the person that discusses issues with billing can only discuss issues with billing methods and autopay problems, so they route you to another person, who can only discuss issues with the previous billing, and so on. You will finally be told that you must write a letter to Global Lending Services. 

I have written four letters now to Global Lending Services, and none have been successful in prying information to them that *they* are the ones with the ability and agreed-upon responsibility for drafting my account correctly. 

Now I have several " late '' or " missed '' payments on my credit report which are incorrect, and they refuse to remedy or correct this by mail, by phone, or of course in person as they do not have a physical location. 

Also, they do not actually let you pay online, and if you call the center they wish to add a convenience fee, otherwise, they refuse to draft your money. I set up auto-pay years ago when I first got the loan to avoid convenience fees, late fees, and delinquencies on my credit report -- all of which this lender does do anyway ; which is to their benefit : this practice of theirs increases their revenue from me, and prevents me from refinancing elsewhere, as it has today. 

One does not have the time and money to constantly deal with them and their call center.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: LD Holdings Group, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced my mortgage with Loan Depot on XX/XX/2021 ; however, Loan Depot did not pay off my existing mortgage with XXXX XXXX the same day and instead waited until XX/XX/2021 to pay off my existing mortgage. As a result, I paid interest charges to both Loan Depot and XXXX XXXX for 3 days ( XX/XX/2021 - XX/XX/2021 ). 

I have contacted Loan Depot multiple times about this issue but have have not received a response. 

In addition to failing to receive a response on this issue, Loan Depot also failed to pay the property taxes on this account from the associated escrow account for this loan. As a result, I had to pay the taxes directly to avoid being charged interest and penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: Chime Financial Inc
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Someone stole my bag, with my debit card, phone and identification. I don't normally use chime, and didn't know the XXXX XXXX deposited {$9200.00} on XX/XX/XXXX of 2022. 

However I believe I was targeted by a gang of XXXX XXXX  who live and operate out of XXXX XXXX XXXX, which is the XXXX XXXX XXXX in XXXX, MA. 

over the period of a few days they managed to steal all of my money, 114 transactions at XXXX. Ordering foodThe b, and other items. 

I filed a police report with XXXX XXXX, and detective XXXX was unable to recover any video camera footage. 

The bank Chime is trying to claim no error occured and that my funds where authorized. 

I went to the XXXX XXXX store someone made a purchase at and they claimed to have a copy of the receipt the perpetrator signed. Forensic analysis would show the signature is not mine. 

The bank is refusing to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: Experian Information Solutions Inc.
State: PA
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:
15 USC1681 Section 602 have right to privacy 15 YSC 1681 Section 604 A Section 2 : It also states A consumer reporting agency can not furnish account Without my written instructions 15 USC 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 explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: IL
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 HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT, THEY ARE BELOW. 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 2016-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX ran my credit and eveything that i disputed was back on my reports XXXX XXXX XXXX ran it for XXXX XXXX I was suppose to receive all XXXX reports I only receive XXXX I then called TransUnion and XXXX they wanted proof I sent proof again they wanted proof this has been going on the last three years. It makes my pre-approvals XXXX. i get a pre-approval then credit reports put dispute back on report after removing it. Help me please

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 2015-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This account has been disputed previously in regards to the Account Type ( charge card ). It not has a status of Paid - when it should be PAID and Closed. 

XXXX - XXXX XXXX. 

Please update the status to reflect its true closure, and where TU has added PAY HISTORY through to today -correct the same.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
TransUnion is reporting many unauthorized inquiries without my consent. I have reached out to following companies below for removal including I have contacted TransUnion, however TransUnion has refused as well as TransUnion did not provide my sign consent for any inquiries listed below. 



XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX, 2022 XXXX XXXX  XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX, 2022 XXXX XXXX  XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX  XXXX XXXX XX/XX/2022

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 2022-09-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-29
Company: Unifin Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am XXXX XXXX XXXX and am submitting this complaint myself with no third party. I, XXXX XXXX XXXX, consumer, sentient sovereign and original creditor of an account using my open-end credit plan. 

The following United States Codes UNIFIN has not abided by : 1 ) 15 USC 1602g : XX/XX/XXXX, UNIFIN XXXXlaims XXXX XXXX doing business as XXXX was the original creditor and they are the current creditor, 2 ) 15 USC 1692e : XX/XX/XXXX, UNIFIN claims XXXX XXXX doing business as XXXX was the original creditor and they are the current creditor, 3 ) 18 USC 1961 racketeering and extortion through interstate commerce, 4 ) 15 USC 1692j : deceptive forms creating a false belief of debt owed when all debt are obligations of the United States per 18 USC 8. 

I was notified of this transgression of my rights specifically 15 USC 1601- the Truth in Lending Act by UNIFIN INCORPORATED doing business as UNIFIN on XX/XX/XXXX via US mail. According to 15 USC 1602 definitions of the Truth in Lending Act, I, as a natural sentient possessing an open-end credit plan was harmed by XXXX XXXX doing business as XXXX adverse action was taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00} per occurrence per offence. XXXX XXXX doing business as XXXX and UNIFIN doing business as UNIFIN is now civilly liable to pay me for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
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: Account information incorrect

Complaint:
XXXXXXXX XXXX XXXX account was paid and they are refusing to update my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I requested my free annual credit report from transunion after requesting and receiving my credit reports from the other two only to be told that I had already requested and been given my transunion report. They told me I could buy one though .... I HAVE NOT already received this report. I always get them in XXXX 's, there is no reason I ever would have gotten just one, let alone the transunion report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX I checked my credit report and all of the inquires were deleted and i checked my credit report today and my score went down.

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 2022-05-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 my debt card was used to make three unauthorized ATM withdraws in the amounts of {$200.00}, {$200.00} and {$100.00} at two different locations. On XX/XX/2022 one unauthorized ATM withdraw was made in the amount of {$500.00}. On XX/XX/2022 4 more unauthorized ATM withdraws were made in the amount of {$500.00}, {$200.00}, {$200.00}, and {$100.00}. On XXXX XXXX the debit card was used to make purchase for {$170.00} and on XX/XX/2022 a charge was made for {$8.00} was made. On XX/XX/2022 I realized that the card had been stolen and i immediately called the Chase Fraud Dept to notify them of the unauthorized transactions that were made. Chase reimbursed the debt card amounts of {$170.00} and {$8.00}. I was told that a investigation would be made for the unauthorized ATM withdraws. They informed me after 10 days that they would temporarily reimburse me for those withdraws. I have never made a ATM withdraw using any chase card before so I had not set up a pass word to do and ATM withdraws. After the 10 days went by I noticed that none of the ATM withdraws were refunded so i called the fraud dept again and was told that the request was denied and the case was closed and could not be reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I logged on to XXXX and noticed that it said there are XXXX credit card accounts. XXXX is not mine. It is a XXXX XXXX XXXX card, opened XXXX XXXX, 2003 ( I would have been XXXX years old when this account opened ). It currently has over XXXX $ in debt and the address for this account is in XXXX XXXX, Texas. I 've never lived there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: ALLY FINANCIAL INC.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Ally Financial bank has been calling me regarding my auto loan, they have been charging me many many fees, late fees, late charges, etc on my car loan. I have asked to have all loan fees in writing to me on several different occasions, XXXX, 2016, XXXX 2016, and XXXX 2016. They have not done so. They say they will, but they have never sent out anything in writing to me so I can review all the over charges I am accruing. They say it is on my statement which is not true. My statement only shows me the latest over fee, nothing more. I am tired of the rude and mean behavior on the phone, they have put my car in collections, refused to work with me on keeping my car and threatened me that " someone '' will come get my car from me. If they can not show an accounting of all the fees I have been charged, then I should not have to pay them, but they argue and are aggressive on the phone not allowing me to speak at all, and lying to me about how they will send all the overcharges out to me, but never do. I have paid off the car loan, I had to pay all of the fees to obtain my car because they refused to take any of them off at all. They would not even consider it, they treated me like I was a criminal, an ingrate, and were very rude and unfriendly. They have made thousands of dollars from this loan, but I am the one who has paid all the fees with no accounting from them. I want to know what I paid and if these fees were reasonable. They already charge a high rate of interest for the loan, it is unconscionable that I or anyone should have to succumb to their demeaning behaviors and horrible costumer service. They were not helpful nor did they want to be. All they want is for the consumer to pay without regard for any accounting of what we are paying, and treating us without regard to our rights as consumers. I will never bank with this bank ever again, and I think they need to be investigated for their fraudulent banking activities and aggressive and rude tactics.

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 2015-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank of America did an unexpected or unauthorized automated payment from my personal account to my inactive past due small business credit card account that had been inactive for months. The amount of the transfer is {$490.00} and happened XXXX XXXX, 2015.

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