BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
Working withtransynion XXXX  and the loan accounts show that they closed with XXXX  then show that there is a balance. Also XXXX can not show a XXXX  as collections even from the beginning. Therefore there should not be a balance after XXXX  and or in collections for false information.

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 2022-10-14
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a letter dated XX/XX/XXXX from Wells Fargo Home Mortgage and a check in the amount of {$1500.00} ( attached ). 

This was in regards to a home refinance loan # XXXX which closed on XX/XX/XXXX and was paid in full in XX/XX/XXXX for our home in XXXX XXXX, MN. 

The letter was vague other than during an audit, they determined a pricing error had occurred during the mortgage re-financing process. ( See Attached file titled " XXXX Well Fargo Mortgage Refund '' ) I was confused and on XX/XX/XXXX I made mutliple calls to the telephone number listed if I had any questions. Of the two Wells Fargo representatives I spoke wth, neither could answer any of my questions. Ultimately, I was advised to write a letter to their " Written Correspondence '' address. ( See Attached file titled " XXXX XXXX Loan questions '' ) I created a letter and mailed it to Wells Fargo Home Mortgage XXXX XXXX XXXX, IA on XX/XX/XXXX. I erroneously reported Loan # XXXX- it should have ended in XXXX. 

WIthin a week or so I received a call from Wells Fargo representative XXXX XXXX who told me she was in the Executive Office. She indicated she was hoping to have answers for me by end of month. XXXX called a second time and left a message. Lastly she called me on XX/XX/XXXX and indicated she could answer none of my questions because the information was considered as " propietary information ''.

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 2016-05-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
In XX/XX/XXXX my wife and I received a home equality loan from HFC\Beneficial Finance for {$20000.00}. We signed did sign the contract to be paid at an 8 %. The agent took it to the back to make a copy to which he fold and put it in an envelope. Thinking this is a reputable company we did n't think to open the contract and look again. We made the payments every month up until XX/XX/XXXX when I inquired to the new company XXXX to why I am still getting a bill. That when I found out that the agent had changed the contract by putting a XXXX in front of the XXXX making it 18 %. I would 've never signed an 18 % contract. This was not typed it is in pen. We had already paid over {$26000.00} and they 're claiming we still owe over {$16000.00} making the pay back over {$43000.00}. Since then I have moved and ca n't find my copy of the document. But I feel I have fulfilled my commitment to this loan and more, and I do not owe anything else. I 'm a XXXX and this is hindering my security clearance investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I got a letter from Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX They said they are collecting a debt of {$710.00} and if I do n't pay it they ill report it to Credit Bureaus. They did n't tell me what the debt is from. When I called the number on the bill it went to voice mail. I 'm not sure if this is a legitimate company. I googled the name of the company and found another number to contact them. Gave them the reference number on the letter representative wanted my social security number, which I refused to give it to him. He said he ca n't help me if I do n't give it to him. I said I do n't know if this is a legit company. He transferred me, the next person verified my social and said they will send a more detailed report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: EQUIFAX, INC.
State: IN
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. The of of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681. Account number XXXX 15 U.S.C 1681 section 602 A states I have the rights 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 1681 c. ( a ) ( 5 ) section states : no consumer reporting containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the reports by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that information is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: EQUIFAX, INC.
State: MD
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:
THE XXXX XXXX  AUTO FINANCE - XX/XX/2018 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: U.S. BANCORP
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX and XXXX, US Bank ( XXXX ) XXXX out of XXXX, XXXX called my phone however I didn't answer. I don't have any financial products with them so there is no reason for the call unless they are trying to sell me something. I checked my credit report this morning ( XX/XX/2022 ) and US Bank ran my credit. I know I have a freeze on my credit due to previous possible fraud, so they have to verify it was me. I called US Bank this morning and they said they never ran my credit. So how did it get on my report? 

Also, XXXX XXXX ( XXXX ) XXXX out of XXXX XXXX  called me the same day and I talk to one of their representatives a specifically told the I am not interested in any loan products. I looked at my XXXX credit report and they also ran my credit. When I called them I was told they run your credit first and then call you for permission to run. What? So again what's the purpose of a credit freeze if they are allowed to run your credit without verifying it's you? 

How many other companies are doing this?

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 2020-03-28
Company: Experian Information Solutions Inc.
State: NJ
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 have 3 accounts reporting on my credit profile and I have no idea what they are! 2 XXXX, and 1 XXXX Accounts. I have never did business with these companies. I contacted Experian and advised them that I was concerned about these accounts they are reporting and requested that the accounts be investigated and validated. My first attempt at this was XXXX, and to date keep getting a response that these accounts are verified as mine but no proof has been provided. I even reached out the the both XXXX, and XXXX in which XXXX responded with some type of bill and said the original creditor validated the debt. I then provided this information to Experian thinking they would resolve the issue because XXXX did not provide proof of validation as stated in the FDCPA and the FCRA. XXXX never responded at all! At this point I dont know what to do and how to get this resolved due to Experian not taking the time to investigate and correct the reporting of these accounts. I contacted the other Bureaus in which they removed the accounts immediately, I cant quite understand what information Experian has that the other bureaus doesnt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: DISCOVER BANK
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Discover Financial Services LLC failed to validate their account and Discover Financial Services LLC have no knowledge of who opened the alleged account. AGENT NAME ( Fraud and dispute department ) requested the authorized representative for IDENTITY THEFT VICTIM to sign the name 3 times on documents provided by Discover Financial Services LLC and send in identification on an account that is listed as closed & charge off. ( IDENTITY THEFT VICTIM ) is a victim of identity theft and will not disclose any private information without proof of a previous contractual agreement with Discover Financial Services ; signed wet-ink. Discover Financial Services LLC received insurance payments each time the account was charged off. AGENT NAME was informed that the call was being monitored and recorded also. Discover Financial Services LLC failed validated their alleged account.

Discover Financial services LLCs representatives failed to request an address, phone number, answers to security questions or anything that could actually identify IDENTITY THEFT VICTIM. 

Discover Financial Services LLC is NOW conducting fraudulent credit practices by updating information on IDENTITY THEFT VICTIM 's credit file without verification of data. Discover Financial Services LLC has also been proven to be a fraudulent card member service company that violates its alleged clients rights. 

On XX/XX/2021 an email was received from AGENT NAME of the Executive Office of Customer Advocacy. Identity theft victim has no idea who the email came from. Only the CEO of Discover Financial Services received an email. This email will also be added to the proof of failed validation attempts from Discover financial services. 

all supporting documents will be uploaded per requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-28
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I attended XXXX XXXX Spring of 2007. I took out private loan but didn't clearly understand the paperwork that was assigned to me. Recently I see XXXX closed down and had to settle out of court to either forgive or waive the loan balance. Current balance is {$11000.00}. With the recent lawsuit and settlement I would like to know if I qualify and to have Navient remove the loan off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: MS
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:
THIS FRAUDULENT ACCOUNT IS LISTED ON MY CREDIT REPORT THAT I HAVE NO KNOWLEDGE OF NOR SIGNED MY SIGNATURE FOR. MY INFORMATION WAS USED IN A RECENT DATA BREACH I HAVE NO BUSINESS WITH THIS COMPANY.

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 2018-07-01
Company: Finance System of Green Bay, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, my fianc and I each received a letter from Finance System of Green Bay Inc. stating that we owe a debt of {$1600.00} from our previous apartment. I sent them a letter stating that we were not aware we owed any money to our old landlord, XXXX XXXX XXXX. XXXX XXXX threatened to sue us two months after we moved out, via phone call from their lawyer, XX/XX/XXXX, for a balance they said we owed. I told them we didnt owe the debt. That was the last time we heard from them, ever. We have been waiting for XXXX XXXX to send us papers for 3 years and the first time we have heard about this debt was just recently. Finance of Green Bay sent us a response of the itemized statement, rules and regulations and lease we signed that we received on XX/XX/XXXX. They called a few weeks later, sometime before mid-XX/XX/XXXX, and I told them we would not be paying this because we had planned on fighting it. I have all of my documents I got from XXXX XXXX  and the voicemail threatening to sue us. Since the debt was taken over by a collector, I cant fight XXXX XXXX. Finance of Green Bay is not who we have a complaint with, its XXXX XXXX  we have the issue with and dont feel as though we owe Finance of Green Bay anything since we werent made aware of our debt before it was grabbed by a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: FISHER FINANCIAL GROUP, INCORPORATED
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a refinance of my home mortgage with XXXX XXXX XXXX ( company based in Arizona ). I started this process in XXXX of 2014. To date, they have failed to complete the transaction. There have been multiple issues along the way. First, I was told that I would be able to combine my XXXX and XXXX mortgage at a rate of 4 %. After being told that, I started the application process. Shortly after that, I was told the combined loan was not available because I have made a withdrawal from my Home Equity Line of Credit ( HELOC ) in the last year. I had disclosed that fact prior to this time and I was told that an exception would be made because the overall balance on the line of credit had decreased over time ( in other words, I had paid back more on the line that I had taken out ). Even still, I was denied the original offer ( made by XXXX XXXX ). We then proceeded to refinance my primary loan to a rate of 4 %. During this process, there were delays on the part of XXXX XXXX XXXX. They failed to clear their own XXXX XXXX in a timely fashion that resulted in the appraisal of the subject property to expire. By that time, the lender in question had rescinded their offer of 4 %. Instead, a rate of 4.25 % was offered. I was then told that a second lender ( XXXX XXXX ) had offered to refinance the primary loan at 4 %. The process was started again, with a XXXX appraisal. As of today, I was told that upon final review before closing that 4 % was no longer available. Again, I was offered 4.25 %. 

The whole process seems fraudulent to me. A way to delay the process such that loans with best rates are delayed so that they are cleared to close only when rates go up. How can a company take 7 month to process a loan?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-16
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
XXXX XXXX XXXX took {$6000.00} from my bank account last week. The first withdrawal was under my consent. The additional XXXX withdrawals were not. 
plan meant I was required to sign up for XXXX XXXX which is an electronic direct withdrawal from my bank account monthly for the AGREED upon amount. 

I set the additional payment online via echeck, hit submit ONCE, and got XXXX confirmation number. Fast forward to yesterday and XXXX has withdrawn an additional {$6000.00} dollars from my bank account using the SAME check number. The amount of catastrophe this has caused is unmeasurable. 

In all, XXXX made XXXX {$6000.00} withdrawals in two days from my account using the same Echeck number, a total of {$18000.00} dollars of which only XXXX installment was returned leaving me - {$12000.00} and unable to pay my bills on time. 

I spoke with XXXX at XXXX yesterday who informed me the 'refund ' process takes 30 days and my best bet is to speak with my bank. 

My bank account is now negative thousands of dollars and I can not pay my rent, buy groceries and will be late on and charged fees for a number of other loan and utility accounts. 

I spent a significant amount of time on the phone with several Santander Bank representatives yesterday ( XXXX, XXXX, XXXX ) who while I 'm sure did their best to provide customer service told me the business could process a refund no faster than 10 days and it could take up to 45 days to resolve. 
The bank allowed an issuance of the same echeck on three separate transactions. 
It took the bank a full week to inform me my account had been overdrawn to this point. In the 10 years I 've had my account, it 's been overdrawn once, by {$2.00}, and you mean to tell me there were no red flags when {$18000.00} was withdrawn in two days bringing my account far into the red? 
I was also informed that I could not be given a temporary balance adjustment in the meantime AND that the overdraw fees being charged to my negative many thousands of dollars account could only be resolved after the fact in another entirely separate dispute. I was also told that the bank would not assist me in speaking with XXXX to resolve the conflict. 

I have been a customer of Santander Bank since 2006 and will be closing my account with them as soon as this is resolved.

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
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: MI
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 want to report Identity Theft that has been going on for years without my knowledge. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I have never opened up or authorized. I did lose my wallet back in XXXX. I had my drivers license along with my social security card in my wallet. Someone has been using my identity without me knowing. I never opened an account with the follow companies ; XXXX Opened XX/XX/XXXX for {$210000.00}, XXXX Opened XX/XX/XXXX for XXXX, XXXX XXXXXXXX Opened XX/XX/XXXX for {$300.00}, XXXX XXXX  Opened XX/XX/XXXX {$300.00}XXXX XXXX XXXXXXXX Opened XX/XX/XXXX for {$200.00}, XXXXXXXX XXXX Opened XX/XX/XXXX for {$2500.00}, XXXX XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX for {$330.00}, or XXXX Opened XX/XX/XXXX. Ive sent in disputes for these items before. Ive went to the XXXX Police Department in Michigan to get police reports made of the theft, previous sent in CFPB claims, and Ive also filed FTC reports as well which are both attached below. These last accounts have yet to come off

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 2017-02-01
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a new Citi regular checking account in XXXX 2016, with promotion code XXXX, to earn {$400.00} bonus for new account by depositing {$15000.00}. I confirmed my eligibility for this offer and the deadline for initial fund through contacting with customer service online. And I deposited {$15000.00} before the end of XXXX 2016. I maintained the same balance for 30 days and waited until XXXX. I contacted with customer service again in early XXXX to check when the bonus will be posted to my account. The customer service said it would be XXXX XXXX. But it was still not posted. I requested again on XXXX XXXX, however, they said I 'm not eligible for this promotion any more. I 'm disappointed about how could they reply with different answers before and after. I totally followed the required terms and confirmed with them before.

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 2017-03-20
Company: General Motors Financial Company, Inc.
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I applied for XXXX auto loan with your firm and have my credit FROZEN per State and Federal Law. I was informed by GM Financial credit department that on XX/XX/2016 they were unable to pull my report and that I needed to unlock my credit again .... This LIE repeated on XX/XX/2016 and XX/XX/2016. I was deceived by GM Financial into unlocking my report when they clearly ran my credit multiple times when ONLY one time was warranted and authorized. 
GM Financial credit department made a false and deceptive statement to me creating financial damage, stress and harm. 
I have seen with my own eyes that your company in fact lied and deceived me on : GM FINANCIAL Inquiry Date XX/XX/2016 GM FINANCIAL Inquiry Date XX/XX/2016 GM FINANCIAL Inquiry Date XX/XX/2016 ran unauthorized credit report on me. At no time did I ever authorize them to run my credit more than once in FACT I HAD IT FROZEN. 
They have made it impossible for me to refinance my home mortgage that I need to do NOW! Your blatant false statements and actions against my credit are unconscionable and need to be corrected at ONCE!

Company response to consumer: Closed with non-monetary relief