BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-29
Company: TFS FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I recently learned why this year 's XXXX XXXX XXXX annual premium jumped from an accepted premium of {$2100.00} ( XX/XX/XXXX ) to {$2300.00} ( XX/XX/XXXX ). According to the XXXX representative, on XX/XX/XXXX, they mentioned that my mortgagee, Third federal Savings Bank, called XXXX on XX/XX/XXXX and said that our single-family home insurance should be an HO6 policy! Also, interestingly XXXX claimed that no changes can take place unless they first speak with the mortgagor. 
XXXX is the agency that found XXXX for me after I learned that my previous insurer, XXXX, of 2 years increased my annual premium by {$800.00} est ; Previously, our initial insurer, XXXX XXXX annual premium increased from {$600.00} est to $ XXXX. No reason for the tremendous rate increases because no claims have been paid to me by any of the home insurers. I have been associated with XXXX agency for over 20 years and they have found me my home insurer providers. Please investigate this financial harm attempt ; I feel that this is another example that our XXXX has attempted to again cause me financial harm; Please refer to the previously filed complaint about Third Federal not honoring the XXXX loan modification at the end of our last approved forbearance. Also, XXXX is the third home insurance company I have had at our current 19+ year residence. Please investigate if my home insurance premium has increased because of my mortgagees interference. XXXX XXXX should be helpful, because they have my insurance records of the harsh premium increases that forced me to apply and switch to new insurers. Your help in this situation will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Experian Information Solutions Inc.
State: FL
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:
I wrote Experian a dispute letter on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  and they have failed to se nd ONE Response letter. FU RTHERMORE, they have stopped providing me reports on my credit monitoring. I ca n't even see my Experian report anymore after I disputed with them. Sounds like they are punishing me for disputing their incorrect 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 non-monetary relief
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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:
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 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX The following personal information is incorrect

Company response to consumer: In progress
Consumer complaint received 2020-08-05
Company: CBC Companies, 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 recently obtained a copy of my credit report from XXXX, XXXX, and XXXX through annual credit reports. It indicated that a credit inquiry was made by your company. However, this inquiry was not authorized by me I did not apply for a home on XX/XX/XXXX. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 

Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. Please send me a letter stating that you did so feel free to upload it XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Whenever I rent a car or hotel Chime Bank doesn't put back into my account the money taken out for security deposits. They have been doing it all year in two different accounts and are refusing to discuss the matter or provide any way to resolve the issue with dispute or even simply email. They won't answer questions about them changing the statements and accounting errors thet just lie and play games they have stolen from me over {$5000.00}. I have been trying for three weeks to speak to someone and they won't allow it.

They will lie and say the funds were released or act as if the funds are bit actually cash but those are lies they have told me as well. Ask them in that event to show you the deposit hold release and the amount of the balance after it. They have not shown me any documentation showing they gave out a XXXX  back if these holds with two exceptions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Consumer Financial Services
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2015, Consumer Financial Services added a derogatory mark on my credit report Per XXXX. Upon Further research, this account was sold to my knowledge and I am no longer responsible for this account. Debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Consumer Financial Services has violated my rights as a consumer and im requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed damages on my credit report. According to the 15 U.S.C1681 law, there should not be any damages reported to my credit report. This is a deformation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was victom to fraud/scam on XX/XX/23. I thought I was purchasing items off of XXXX from a friend, however the friends account had been hacked so it was not them selling but a scammer. When I learned it was a scam ( within an hour of the transaction ) which was initiated through XXXX ( which is connected to my fifth third checking account i tried to cancel via XXXX but that showed a completed status and XXXX stated I needed to contact my bank. I contacted my bank as the transaction had not shown up. I informed them of what had happened and I wanted to get ahead of the situation before anything could be processed. They stated they could not do anything and I needed to wait until it showed up on the account and to call back the next day. I called the next day ( XX/XX/23 ) as it showed a pending status. I asked if I could do a stop payment and I was told stop payments didn't always go through and the best thing I should do would be to call back after the payment processed and file a dispute. I again informed them of every detail that had happened and wanted to know the best option/route to take for a fraudulent claim. They again told me to call back after the payment had processed and I could file then. 
I called again on XX/XX/23 after the payment had processed as i was instructed to do and tried to file a a fraud claim and was told I could not file a dispute because I initated the transaction and I needed to contact the merchant ( scammer ) to get my funds back. Fifth Third said there was nothing they could do, to which I don't understand why I was told to call back and file after payment had processed or to even try to contact the person who had hacked an account and, made a fraudulent claim to try to get my money back? I thought the banks were supposed to help in cases of fraud. 
I had even went and reported the case on the ReportFraud.ftc.gov website and gave the Report Number to the individual at Fifth Third. Hopefully with the paypal account that was provided they may be able to track down the individual and put a stop from this happening to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: NY
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 federal credit 's bureau act, this creditor has violated my rights under 15 USC section 602 states I have the rights to privacy. 15 USC 1681 section 604A section 2, it also states that consumer agency can not furnish my account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and 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 2022-04-02
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2022, I successfully opened a Citi Priority account online due to receiving a personalized ad from Citibank offering {$1500.00} bonus for opening account and funding the account with {$200000.00}. I was successfully able to fund the account from my XXXX XXXX  account and Citibank did not require any further verification of identity in order to successfully open and fund the account at that time. By XX/XX/XXXX, the I could see online that my funds became available on my mobile app and web browser. On XX/XX/XXXX, I received a letter from Citibank dated XX/XX/XXXX stating Citibank Fraud Prevention was not able to verify recent activity on my Citibank account and asked to speak to me directly by called the provided number XXXX options 2, 5. When I called this number, the representatives I spoke with were very difficult to understand and sounded as if they operated overseas. After asking all verification questions to access my account they then proceeded to tell me that the account could not be verified and abruptly hung up. 

This occurred repeatedly between the dates XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, I drove to the closest Citibank Branch and asked to speak with the branch manager to see if he could assist me with accessing my account. I was asked to present my California 's Drivers License, and Citibank Debit card matching my account, which I did. The branch manager then called the same phone number XXXX and let the fraud prevention team know I was trying to access my account and that he had verified my identity by my California 's Drivers License and Citibank Debit card. However despite all of this, Citibank was unable to verify my identity and could not remove the block on my account. 

On XX/XX/XXXX, I visited the Citibank Branch again and spoke with the branch manager, XXXX XXXX. After speaking with the fraud prevention team supervisor on the phone, Citibank announced that they were closing my account on the phone. However, I have not received any letter or written documentation stating this. Citibank is also unwilling/unable to provide any documentation or letter stating that they are closing my account. They keep saying that they are going to close my account within 30-60 days but they can not provide concrete dates of when my account would be closed and when the 30-60 day time period would start or end for me to receive a check in the mail.

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 2023-06-24
Company: EQUIFAX, 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:
Sent letter to Equifax still refused to follow demands of the law which are my rights.... To Whom this concern. Please forward to person of interest. I am writing to dispute. [ XXXX XXXXXXXX XXXX balance XXXX account XXXX, XXXX XXXX  BALANCE ACCOUNT ID XXXX, XXXX XXXX XXXX XXXX ACCOUNT ID XXXX, XXXX XXXX XXXX XXXX ACCOUNT ID XXXX ] on credit report. The balance listed on the account is incorrect and it is causing false representation from gain things AS IN A HOME FOR MY FAIMLY AND NEW CREDIT. THIS IS TH CONSISTENT HARASSMENT TO KEEP ME FROM SUCESS. YOU MUST DELETE the account, you are NOT AUTHORIZED TO RETAIN NOR REPORT, doing either is a CLEAR INFRACTION of the FCRA and certainly UNJUST INFRINGEMENTS upon my CONSUMER and or CIVIL RIGHTS, either being REMEDIABLE in a CIVIL COURT via MONETARY AWARDS to me for EACH VIOLATION and EACH PERIOD of which you CONTINUE YOUR MIS-REPORTING of this OBVIOUS and ILLEGAL MIS-INFORMATION. YOU MUST ANNUL the ACCOUNT ALLEGATION and ALL ASPECTS of it TODAY, HERE AND NOW so DO SO to RETURN to or RETAIN lawful REPORTING!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XX/XX/2021 XXXX XXXX, Transunion, has not complied with the ( FCRA ) 30day investigation rules and has not Verified anything

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 2023-02-14
Company: ALLY FINANCIAL INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023 I was contacted by a phone number that, when researched, appeared to be connected with XXXX  XXXX XXXX. The " agent '' told me that an account was opened in my name and a check was deposited and two XXXX payments were made. Once I confirmed all events were not authorized by me, they said I was the victim of fraud and issued me a claim number and transferred me to XXXX customer service. XXXX told me I needed to send the " code '' XXXX to the XXXX Cancellation Dept email address. When I did not get a confirmation code from Ally, as they instructed would be necessary, they called back the following day ( XX/XX/2023 ) with a " supervisor '' and had me send " code XXXX '' to " XXXX XXXX. '' All these codes were ultimately payments, one for {$5000.00} and the following for {$1900.00}, totaling {$6900.00}. Ally proceeded to lock my XXXX account. The so-called XXXX customer service agent instructed me to call Ally to have my XXXX account unlocked, Ally informed me I was the victim of fraud and froze my account for one week. 

My account was unlocked on XX/XX/2023. Since then, Ally 's Fraud Investigators have not contacted me after multiple requests to speak to them directly. The fraud analyst says that I can not be refunded by Ally and that XXXX XXXX XXXX is responsible, though I do not have an account with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
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:
In  XXXX   XXXX , we filed a complaint with th e Consumer Protection Agency  against   XXXX   XXXX  . The  CPA  took the case and got involve d ( CFPB Case No .  XXXX  ). On  XXXX   XXXX ,  XXXX , we received a letter from  XXXX , who finally admitted to a bookkeeping error on their part. They had missed a payment that we made in  XXXX  of  XXXX  and were reporting fo r over two ye  ars that our payment was late and were charging us late fees. We thank the CPA  for their help. Unfortunately, this problem still persists. We sold the home that this loan was connected to on  XXXX   XXXX ,  XXXX  and the loan with  XXXX  was subsequently paid off. I have copies of all documents relating to this loan payoff. In  XXXX  's  XXXX   XXXX ,  XXXX  letter they state that they are going to contact Equifax and  XXXX  to fix our credit report. I know you will not be shocked to find out that they did n't do it. Not only that, they have not report to the credit reporting agencies that the loan has been paid off.  XXXX  's credit report still shows an open loan to  XXXX  in the amount of $  XXXX . We recently applied for a loan wi th    XXXX   XXXX   XXXX   XXXX   and were rejected because of the  XXXX  mark on the credit report. I have tried to reach out to  XXXX  to get them to fix this once more and have gotten no where with it. I am begging you to please intervene on our behalf once again to get this fixed. This error is ruining  XXXX  's credit and hindering us from getting a loan. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: NC
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: Problem with product or service terms changing

Complaint:
i would just like to complain about how XXXX  the credit score system is that when you finish paying off a loan even without ever missing a payment your credit score drops instead of going up i finished paying off my installment loan from XXXX XXXX and my score dropped by XXXX points an 8 month loan reported on my credit report on experian today XX/XX/2022 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 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently pulled a copy of my credit report on-line and found that you are reporting the following inaccurate information in my file that is negatively affecting my credit score. I have sent 10 previous letters to the credit bureau requesting the documentation used to verify the dispute. And remove inaccurate information from my file and have failed to do so. I believe thats a violation of the FCRA In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

To prevent any confusion the accounts are listed below 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 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 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 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 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 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 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 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 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 2017-05-11
Company: AAA Auto Title Loans, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I received a loan from Cash1,  XXXX , NV. Im struggling to pay the amounts. This company asked for a check for " Visual purposes '' for my file. I told them I do not use that bank. The young woman said that they will photo copy my debit card and they only use that for payments. Iv been notified by this company by email that they have taken the amount due from my debit card.They also been depositing the check I left! I now get emails, calls, and text from this company stating that Im past due! Calls from their " legal '' department as well. They have violated my privacy and violated the 3rd party act in the FDCPA. I have had a family member see my text from these people which violates my privacy. Now everyone knows my business

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Saturday, XX/XX/2023, I began corresponding with XXXX XXXX in regards to a cleaning lead from XXXX. XXXX is a company which states they screen individuals ( small businesses ) seeking services. This is not a FREE service, I paid almost {$200.00} for the credits. 

XXXX stated I had to pay a surety linkage fee to secure the project ( cleaning XXXX properties starting today, XXXX, XX/XX/2023, ending in XXXX thereafter. The surety fee was {$440.00} which was paid to XXXX XXXX by an email address via XXXX. The XXXX payment was to XXXX XXXX for {$300.00} for the lock box codes to enter the properties to clean. 

To no avail, I contacted XXXX on XXXX they reported XXXX account as fraudulent & to call my bank. I called my bank yesterday & today yet they said its a cash transaction. I called XXXX again today to speak with management yet was given an email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation