BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have reached out to TransUnion about the unauthorized/unknown inquiries that are on my credit report. They have failed to adhere to my request. In the FCRA. 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. The information i am submitting is posted below. 

Name : XXXX XXXX XXXX Date : XX/XX/XXXX Name 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 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 2022-06-11
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/XXXX paypal paid XXXX XXXX {$39.00} I filed a dispute on this under item not received. PayPal has not fully processed the dispute and they keep trying to pull this amount from my Checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-18
Company: Experian Information Solutions Inc.
State: MI
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:
On XXXX XXXX XXXX XXXX was hired by me to dispute a charge off with XXXX XXXX on my experian report. It is not almost 60 days later and no response to the letter requesting that debt be removed. It is not mine it is my ex husbands debt XXXX and XXXX have removed it easily. 
XXXX XXXX stayed both experian and XXXX XXXX were contacted and still not response. I have found XXXX XXXX to have handled the entire situation fraudently as the way it is reported is incorrect as well, they have not validated the debt despite repeated attempts. 
Anyhow the debt is required to be removed by experian according to FCRA due to XXXX  ignoring the investigation and it still has not been done. 
My right to buy a home is altered by this company lack of efficiency with handling the matter as the continued disregard to remove keeps going on. XXXX did not respond so remove it!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi 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 2017-10-18
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
My current minimum due was {$25.00} a month for my Jcpenny 's account. I submitted payments on time. Jcpennys changed the terms of my account without informing me in writing in XXXX XXXX. They then accessed late payments, which increased my monthly minimum payments. Despite my continuous payment of my account, I was still considered delinquent. I requested for my account to be removed from electronic statements. My account is still enrolled in that billing process. Electronic billing eliminates hard copies, which eliminated me receiving my updated terms. In addition to those issues the late fees caused my account to be reported delinquent on my credit report. I am expected to pay {$120.00} for a bank error on XXXX. My account was paid on time, but my terms were changed without proper written notice.

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 2021-07-23
Company: EQUIFAX, INC.
State: PA
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 am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law.Since I have not received any documentation from the original creditors please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: Experian Information Solutions Inc.
State: VA
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:
Complaint Description : XXXX Invoice dispute on 2019 XXXX County Personal Property Tax Invoice. Tax is not owed due to sale of the vehicle. XXXX invoiced consumer after the account was closed and paid in full. 

I purchased my XXXX Lease and all outstanding payments were paid in full at time of the transaction ; I had a XXXX balance and no late payments. After the vehicle was sold from a Lease and the account closed, XXXX invoiced for 12 months of XXXX County Personal Property Tax in the amount of {$350.00}. This amount is disputed due to sale of the vehicle. The amount is owed as a refund by XXXX County due to the vehicle sales date. Per XXXX County Treasury Office, it is XXXX XXXX   responsibility to request and collect a refund from XXXX County. 

XXXX was not able to provide the prorated amount due until XXXX County refunded tax collected. On XXXX XXXX, 2019, XXXX County refunded {$270.00}. To date, I have not received from XXXX a revised statement showing my balance due with the XXXX County applied credit. I did receive a letter dated XX/XX/XXXX, as a dunning notice to pay {$79.00} within 30 day. {$84.00} was paid XXXX XXXX, 2019 confirmation # XXXX within the terms of the letter. XXXX incorrectly reported to the Credit Bureau 60 days delinquent. My prorated portion of the payment was made timely, within 30-days.. 

After purchasing my XXXX Lease, XXXX County Tax Department Invoiced me directly for the same vehicle for 2019 Personal Property TAX due {$260.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-25
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
XX/XX/2021 - XXXX-XXXX  I filed a complaint against Wells Fargo as I had called and let them know about my financial situation and asked if we could lower the payments or if there was any other assistance. The rep was quite mean and told me there was nothing they could do and I had to make the payments or they would keep posting to my credit report ( which is really hurting my credit score or ability to get any financial help ). XXXX XXXX from Wells Fargo responded with the attached letter saying he didn't have any record of the phone call but informed me to call and that they could provide additional assistance with the payment options. I then called him several times and never got to speak to him. I then called customer service AGAIN and was told AGAIN there was nothing they could do for me and that they do not provide refinancing at this time and I had to come up with the $ XXXX/month. I have lost almost all of XXXX XXXX during Covid and my income has been severely slashed. Im trying to rebuild the XXXX but it has been tough. I'm not sure why XXXX would say they could help me but the reps say they can not.

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 2017-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Capital one credit card amount {$3500.00} account ending XXXX this account does not belong to me XXXX newyork this account does n't belong to me ask them to verify it they could n't they just said they have no way Of saying I did n't benefit From Whatever products that they sold

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: SYNCHRONY FINANCIAL
State: NY
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:
I ordered a washing machine from Lowe 's during the summer of 2019. Unfortunately, the delivery driver did not have the proper insurance and the building refused the delivery. The washing machine was returned to Lowe 's. Rather than credit my account for the returned appliance, Lowe 's decided to issue me a gift card in the amount of the value of the returned washing machine. When I called the credit card company to inform them that I had never received the gift card, they told me that they would open an investigation. So far, the original purchase amount of {$1100.00} plus interest and fees is being reported to credit bureaus. I am shown as being delinquent in payments. 

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 monetary relief
Consumer complaint received 2021-07-23
Company: LD Holdings Group, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We initiated an application to refinance the loan on our investment property ( aka, the family home we were unable to sell during the financial crisis and had to make a rental to avoid foreclosure ). We initiated the application with Loan Depot, LLC ; the application is still in process but nearing completion. Loan Depot changed the Mortgagee Insured on our property 's insurance policy, removing the existing Mortgagee, prior to completion of the loan application, prior to closing, and prior to having any financial risk that was appropriate to insure. The existing mortgagee has been deprived on its rightful place and coverage, and will likely initiate forced-place insurance to cover this change. This forced place insurance we will have to pay for, at greatly increased rates, without regard to the existing insurance that we have paid for. Loan Depot had no authorization to make this change, did not communicate this, and did not request permission from us. Loan Depot 's response to our objection is 'this is just something we do, we want to get things rolling early '. I am deeply concerned that they do this as an SOP and that this is not a human error but a conscious and consistent policy. This was so stated by the Loan Depot representative when challenged on why this was done. They are risking injury to us, to our mortgagee, and all consumers who use them along with their mortgagees, when they alter existing financial contracts prior to completing the mortgage process at a formal closing. What happens in the interim when there is an insurable loss at the property and the mortgagee is NOT named on the policy, but Loan Depot is? Loan Depot has no business being insured prior to closing and has no business removing our existing mortgagee from our insure prior to Closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: WHEELS FINANCIAL GROUP, LLC.
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: Old information reappears or never goes away

Complaint:
XXXX XXXX or XXXX has reported on my credit report over 4 times. I have asked them to remove the credit line reporting and they refuse. This is damaging my credit as others see this and might try to subject me to high interest loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Last Reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$1800.00} High Balance {$1800.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
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: Reporting company used your report improperly

Complaint:
Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency, using their online too I was listed as one of those whose data was compromised. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers, and credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a U.S. website application vulnerability to gain access to certain files from mid-XX/XX/XXXXthrough XX/XX/XXXX of this year. The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers.
Equifax Inc. did not inform those affected in a clear and timely manner, nor have they provided clarity or made effort to rectify their problem. They are placing the onus on those affected to right their wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I were current with our mortgage payments until the start of Covid-19. 
Wells-Fargo , our servicer for FANNY MAY as a lander, placed us in Covid-19 Forbearance Plan in XX/XX/XXXX. Throughout pandemic we got constant extensions of the program. Wells-Fargo never contacted us to inform that the program is ending and to discuss our options. 
After we contacted them proactively they refused to exit us from Covid-19 Forbearance Plan, since, according to their record, we were still in active bankruptcy ( our bankruptcy was concluded in XXXX ). 
Before, during and After the bankruptcy proceedings we stayed current with our mortgage. 
Wells-Fargo wold not accept our assertions that we were no longer in XXXX and took them over 3 moths to confirm that we no longer in XXXX. Throughout this entire process we were in constant phone contact with them. Once the issue of active bankruptcy was resolved, instead of resuming the process of exiting Covid-19 Forbearance Plan they chose to issue a default notice for the entire period ( from XX/XX/XXXX to today ). For the last several moths we were directed from one department to another and it seems that none of them have authority or ability to resolve this matter Our Covid-19 financial problems were successfully resolved. We are willing and able to continue making current payments under the terms of our loan. Instead of giving us this opportunity they are taking steps toward foreclosure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I previously submitted a complaint with the CFPB. I learned today from XXXX, through your office, my complaint was denied. She read me the letter from the bank 's representative, XXXX XXXX. I have talked with XXXX XXXX since my complaint was filed at least twice and he never mentioned the reasons for their denial. I am outraged and appalled. Never had the bank or any of its representatives mentioned to me that my loan was submitted through the Community Reinvestment Act ( CRA ). My loan, I learned today, was approved through XXXX as my income was " too high '' to qualify for the CRA. As a result, the {$2500.00} credit that was continuously stated on the bank loan documents is not being refunded. My closing costs were almost doubled to {$11000.00} due to the CRA denial ( $ XXXX {$2500.00} = {$6100.00} ). Not only that, but during my conversation s with XXXX XXXX, I pointed out the bank delayed the closing of the mortgage loan with continuous requests for multiple XXXX 's bank statements, pay-stubs from my wife, two P & S extensions from the sellers, which caused substantial extra costs for rental and condominium fees. I was fortunate this did not cause the sale to collapse. I 'm attaching previous documents submitted as well as additional information. I expect the bank to refund these additional fees and expenses which has resulted in substantial costs to close the loan in XXXX 2016. Not only that, they ignored my initial requests last year, on multiple occasions, which I also mentioned to XXXX XXXX. All his seeming assurances to me were apparently just a time stall tactic. I hope that this new complaint is speedily resolved to my satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: GreenSky, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I purchased windows from XXXX XXXX XXXX from XXXX, Texas on XX/XX/2020. The representative XXXX XXXX told me the windows would cost XXXX. I ordered a total of 9 windows and the representative quoted me XXXX for the following : 6-double hung windows measuring approximately 31.5 inches by 52.5 inches. 
2-double hung windows measuring approximately 36 inches by 52.5 inches 1-picture frame window measuring 27 inches by 52.5 inches. The rep stated that picture framed windows were cheaper than double-hung windows. I asked if I would receive an invoice and he said yes. 
I measured the windows myself because I never received an invoice from XXXX XXXX XXXX  even though I asked numerous times. The representative completed the forms for financing through Greensky. I was approved and I was told that I would have to start paying in 4 months. The windows were installed in XXXX and when the installer came to install the windows there was a mistake with the windows I ordered. Instead of getting a picture frame window for the window measuring 27 inches by 52.5 inches, I got a double-hung window and 1 picture framed window measuring 36 inches by 52.5 inches. I told the installer to just leave the smaller-sized double-hung window and since they already had to order another window I requested to just replace the larger double-hung window to match the picture-framed window. I received an email later the next week from Greensky asking me to accept the charge of XXXX. I declined because I did not get an invoice from XXXX and I should have received an adjustment for the cost since I received 2 large picture-framed windows because of XXXX XXXX  error. Greensky representative said she would investigate the matter. After a week, a Greensky rep told me that they closed the investigation and I had to pay the XXXX because that is what I agreed. I feel like Greensky did not try to dispute the charge on my behalf. I did call XXXX and I spoke to someone in finance and they stated that no one had inquired about the charge and they would let me know. As of today, no one from XXXX XXXX  has contacted me. I just want to be billed correctly. I feel like I am paying more than what I should and I'm in the dark of what the charges because I never received an invoice. Today I received a billing statement from Greensky and it indicated that I had to make my first payment by XX/XX/2020. My issues are with both XXXX XXXX XXXX from XXXX, Texas, and Greensky. 
In my statement, they ran my credit for a purchase of XXXX. I never approved that much to be run on my credit. There were several inquiries into my credit. This also needs to be investigated. The statement indicates that I was credited XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: EQUIFAX, INC.
State: IN
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 asked equifax several times to remove hard inquires that do not belong to me and they refuse. The ones that do n't belong to me are XXXX XXXX XXXX and XXXX XXXX XXXX XXXX dated XXXX17 and XXXX XXXX dated XXXX/17.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXXXXXX XXXX and I am submitting this complaint on behalf of myself without any influence to a third party or agency. The debt collection company falls under the FDCPA and they have violated several federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Last 4 SSN : XXXX The following account was charged off as of XX/XX/XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account ( s ) : XXXX XXXX XXXX Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation