BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-27
Company: FIRST HAWAIIAN, INC.
State: HI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was the victim of a scam recently, I 've had my account at First Hawaiian Bank for less than a year and I 've never had too much money in it as I am only XXXX and just making my way in life. I was sent a fraudulent check by someone I thought I could trust for {$2600.00} which I deposited into my account via teller. I was instructed to use this money for an employer who would be moving in to my area to get his apartment ready for him and his family. I was told the funds from the check would be immediately available the day after. I withdrew {$2200.00} the next morning and sent it to who I was told was my employers " landlord and agent. '' I became suspicious of him when he became exceedingly demanding and I told him I would n't continue until he arrived, this only enraged him and he threatened to call the authorities on me and said I was trying to take advantage of someone who was deaf. Out of fear I withdrew the rest of the money {$380.00} to be done with it and sent it to the same person. Days later I receive a call from my bank telling me my check had bounced. But I had already sent this guy money! I just do n't understand how the bank can give me a loan, which is what they did, without my knowledge or agreeing! I feel cheated by my bank for not protecting me, not only has this left me with a big debt on my shoulders but it 's emotionally tolling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I tried to check my credit report with TransUnion on XX/XX/20. Their website used deceptive tactics, routing me to sign up for credit monitoring service without ever stating that it would charge me {$19.00} per month. Their website asked for my credit card information, however the website never notified me that TransUnion would charge me a monthly fee, and it instead appeared that my credit card information was needed to obtain my credit report. When I received my TransUnion credit report, I never received any notification that I had signed up for a monthly fee, nor did I receive an email receipt stating this charge. When I checked my credit card transactions the next day, a {$19.00} charge was listed from TransUnion. I then went to the TransUnion website, logged in, and found it exceedingly difficult to cancel this subscription, as the link was hidden away in a page ostensibly unrelated to billing or subscription services. I then called TransUnion to dispute the charge, however I remained on hold for over an hour. 

After looking into this issue, it appears that TransUnion has used similar tactics to have customers unknowingly sign up for services in the past ( see an example here, which I found was written up on cleveland.com https : 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 monetary relief
Consumer complaint received 2020-04-09
Company: JDJ Investments, INC.
State: TX
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 have an account with XXXX XXXX XXXX. I was in a XXXX  XXXX situation and had to abruptly relocate. The account was closed in XX/XX/XXXX. It shows I owed {$700.00}. On my credit report, it is showing that I opened the account in XX/XX/XXXX with CBS Collections. I have never opened an account with this company. I have disputed this and asked that they please report that this account was opened over 5 years ago, but it shows that the account is accurate. They are reporting monthly on my credit report. I do not even acknowledge this debt with the apartments. This has severely interrupted my life as it impacts my ability to secure housing in my name. Please help me with this matter.

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 2016-03-01
Company: Sortis Financial, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Dear Sir/Ma'am I have been in an endless loop of modification process originating with XXXX XXXX who sold to XXXX who sold to Clear Spring - all institutions inviting us into a modification process only to strategically refuse us. They each have given us hope and put us through endless paperwork and anguish to only lead us on then to reject us. 
Over the years with XXXX we encountered endless loops of miscommunications and misinformation. We were making payments to XXXX when they abruptly stopped accepting payments from us. We were in mid process of a modification process with XXXX when they informed us they sold us to XXXX. We were encouraged by XXXX to pursue another modification process only to be denied and sold to Clear Spring. Clear Spring encouraged us into a modification process only to swiftly deny us and swiftly put us into a foreclosure process. 
Our Loan Number with Clear Spring is # XXXX. 
- a few years back an unfortunate event brought on by the demise of the housing investment market which was led by the unfortunate policies of the mortgage banking institutions led us subsequently into the bankruptcy process - we struggled to remain strong as a family. We compiled our dignity back and moved forward. As a result our marriage suffered but we struggled to rebuild our lives. Out of our Bankruptcy plan in XXXX 2012 the judge specified in the plan for our primary residence was to do a modification with XXXX. This is item XXXX in our plan - to retain Homestead property for modification process with XXXX XXXX XXXX - # XXXX. This did n't happen XXXX swiftly denied us and sold us. I am a XXXX and a military veteran. I have proudly put our children and family first and I have stayed employed at multiple XXXX jobs to allow our children to remain in our home we love. 
- We have been denied after exhausting process with different institutions for one reason after another which I believe was just to get us into the foreclosure process for the banks. XXXX denied us because we went through bankruptcy - which they knew going into the modification. Clear Spring simply said investor - XXXX XXXX XXXX - declines to consider the request for a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: Caliber Home Loans, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Once again, my mortgage company, Caliber Home Loans, has failed to pay a tax that is covered by the escrow funds I pay. Once again they will pay this tax late resulting in late payments that my account has to cover.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: PNC Bank N.A.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: LEXISNEXIS
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/2022 I contacted XXXX XXXX of XXXX to attain XXXX XXXX quotes for me. While going thru my auto history he informed of a claim that was showing up on my record for XX/XX/2022 that I had no recollection of. He explained and sent me the screen shot of the information from Lexis Nexis. I then contacted my insurance company to see if they we're guilty of putting this fraudulent incident on this report XXXX was alerting me to and they said their system showed nothing and I got a written from them saying such. I called Lexis Nexis and explained the situation to them and asked them to provide me with the information that they have on file for XX/XX/2022 and these people are trained to either not listen, or not help. He said he could send me a copy of my report. I received a letter from LexisNexis with information on how I could view my report online however when I tried to access it the web page said the PIN could not be authenticated. Someone is causing me additional time and money that I don't have because these large companies can just post false information with no repercussions. And when the victims they are spreading disinformation about contact them to get the information they share with others about YOU they won't provide it and will go out of their way to be useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am writing about Captial One 's management of a disputed charge. In the end, I have learned that if you physically hand your card to someone that the merchant can charge your card any amount they would like without having to offer an explanation for the validity of the charge. 

On XX/XX/2020, my husband traveled to XXXX, XXXX and took a car from the international airport to a hotel. He tried to pay for the charge with his Capital One card and was told that the card was declined. He then paid cash for the ride ( and did not get a receipt ). I woke up that morning and saw a notification that our card was charged {$1200.00} twice, one of which was declined. I immediately called Capital One. When I called, I received a message of potential fraud on our account and was transferred to the fraud department. I spoke with a representative. My husband and I had a three way conference call and explained what had occurred. My husband told the representative that he had paid the driver {$40.00} US in cash after being told the card was declined. At that time, the charge for {$1200.00} was reversed. 

On XX/XX/2020, I received a call from Capital One saying that the charge was not fraud because my husband had physically handed the card to the driver, a fact we had never denied. Apparently we should have been referred to the dispute department and not the fraud department. 

On XX/XX/2020, I faxed a dispute form with an explanation of what had occurred. We have no documentation of having paid {$40.00} cash for the ride. However, I asked for an explanation of why my husband had been charged {$1200.00} for a ride from the airport to a hotel. I received no explanation, and the charge was rebilled on XX/XX/2020. 

I noticed the re-bill on XX/XX/2020 and called to see if I could get an explanation of the denial and if I had any other options for disputing the charge. After a couple of hours on the phone, the people on the phone said they had no additional information, and I never received a written explanation. I wrote a final letter on XX/XX/2020 asking for an explanation of the charge and have not received any response. I have included copies of my correspondence with Capital One and the final lettter I wrote on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I had a bankruptcy show up on my XXXX report that was never filed by me. I have gotten XXXX XXXX to remove this from my file. They've written me two letters and sent me my personal file showing no bankruptcy. I've provided this to XXXX  on multiple occasions, including via fax and electronically and they will not remove this blatantly false record from my credit report. XXXX   's online portal for uploading supporting documents won't work and Transunion 's online dispute function is completely broken. I need this record removed by all 3 bureaus.

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 2020-03-02
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I received the Citicards secured Visa card in XX/XX/2018, several years before I was blessed to have a healthy baby girl. Later when I experienced the birth of my daughter and while going to school for a better career to support my family, I became disorganized with respect to making timely payments with Citicards. I fully recognize my responsibility with respect to payable accounts and have worked diligently to rehabilitate my relationship with Citicards since that time. I have only one late payment dating back to XX/XX/2018 that I am asking to be removed from my credit reports because of situations announced above.

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 2022-09-14
Company: WELLS FARGO & COMPANY
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
Had tax refund deposited direct from irs to wells fargoXXXX for the last 3 years, did the same this year only XXXX changed their policy about XXXX  personal and business accounts and now Im not eligable for direct deposit. I call paypal and they say when direct deposits are rejected that they automatically send funds back to issuing bank, call wells fargo and they cant find the account number that ive used through them for 3 years so I call the issuing bank ( XXXX XXXX ) for the irs and they show the date they sent to wells fargo and also provide me a trace number but show that wells fargo has not sent the money back to XXXX XXXX I've ran around in circles for 3 months trying to find my money and can't get answers from anyone.

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 2018-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 submitted letters in XXXX  2017, XXXX 2017, XXXX  2017 .... These companies still have fraudulent information on my credit report.

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 2017-10-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient cancelled my autopay for my loans because I 'm too close to paying them off. So I restarted autopay. Then they lowered the payment amount without contacting me. Then they cancelled the payments again. It took me months to figure it out and now I still have loans to pay when I should have finished months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: TX
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:
I am a a natural person, I am a human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, In XXXX, I had my home raised above the FEMA guidelines in order to lower my XXXX Insurance costs ..., During this period in time, my house note was increased because of the insurance company increasing my coverage in the following : In XXXX, my insurance went from {$530.00} yr. to {$2000.00} yr. 
In XXXX, my insurance went from {$2000.00} yr, to XXXX yr. 
In XXXX, my insurance went from {$4000.00} yr. to {$6000.00} yr. 
And in XXXX, it went from {$6000.00} to {$8000.00} yr... 

The insurance company 's name now is called XXXX ..., It went through several names before it came to this name... 

In the process of raising my home, I had to get a survey, and a elevation certificate which I presented ..., They proclaimed that I should take it up with the insurance co. meanwhile, my insurance was being escrowed, which reflected the increase in my monthly mortgage...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ( Original Creditor : FLORIDA XXXX ) XXXX ; XXXX XXXX ( Original Creditor : FLORIDA 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 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX XXXX # XXXX this is the 4th time I have request legal and proper documentation from this company concerning this fraudulent unverified account that I never even heard back any type of information to even do a simple investigation.

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 2017-02-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Issue : Equifax is not capable of spelling my name correctly. In XXXX 2016 I wrote letter requesting correction, with proof. They responded by spelling my name wrong. I send another letter XXXX 2016, again they responded by spelling my name wrong. We did all this again in XXXX. They have just responded ... again ... .with the wrong name. I had mostly given up on having my name spelled correctly, but can not get the complimentary XXXX score from XXXX, with the name not matching. Can you help me please to get Equifax to spell my name correctly?

Company response to consumer: Closed with non-monetary relief