BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX XXXX : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. TIA

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 2023-11-16
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am the a XXXX for a nonprofit Florida XXXX  named XXXX XXXX XXXX XXXX XXXX XXXX whose EIN is XXXX. This corporation had a checking account with TD Bank, of which I am a XXXX, that had a balance of {$570.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) since XX/XX/XXXX. The account has had no activity since XX/XX/XXXX. I visited a branch of TD Bank in XXXX, Florida Wednesday, XX/XX/XXXXXXXX  to close the account out and donate the balance of the account to another non-profit organization. The tellar pretened to have trouble finding the account because the account, she said had been inactive for so long. She asked me for my social security number and I told her that this is a non-profit organization and I am only a XXXX  on the account, and that my social security number would not be associated with the account. She continued to predend that she could not locate the account in her system even though I gave a her a blank business check with the account number on it. I unwittingly relented and finally gave her my social security number to try to help her find the account. After I gave her my social security number she informed me that the account was in closed and had been turned over to TD Banks collection department and that the organization owed {$69.00} ( XXXX XXXX XXXX XXXX XXXX  ). The tellar falsely represented her purpose for collecting my social security number with the intent of surrepticiously using it to collect on a debt. Apparently TD Bank had been charging a periodic fee on this account which exhausted the existing balance and overdrafted the acount. TD Bank had a policy of no fees on this account as long as it had a running balance of at least {$500.00} ( XXXX XXXX XXXX XXXX XXXX XXXX ). I never received bank statements in the mail nor did I recieve a notice about the overdraft due to fees on the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-16
Company: Affirm Holdings, Inc
State: OR
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I purchased a renewed phone on XXXX from a seller? And a finance company who misled me and returned phone and affirm stated they refunded? Or reversed loan that didn't exist? But still charging me and reported in accurate information to XXXX? Was harrassed through text and email daily and calls were hung up on and emails to help center unanswered??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The USAA Bank Fraud Resolution Team Refuses to Investigate and Require Immediate Termination of ALL Illegal Visa Credit Card Accounts Immediately in Written Disclosure by Federal Law in Consumer Securities Lender Inequities ( USAA Bank XXXX XXXX XXXX ) This Criminal USAA Bank Identity Theft was Confirmed by USAA Bank Auditor on XX/XX/2022 Without Resolution because the USAA Bank Admitted that Additional Visa Credit Card Accounts required Internal Employee Audit ( Character Assination by Conspiracy in Illegal USAA Deployment Classification Scam ) This Fraud and Character Assination involves the Texas Attorney General Greg Paxton that Is Required to Provide An immediate Court Order to USAA Federal Savings Bank in Conspiracy Theft Of Multiple Unauthorized Visa Credit XXXX in XXXX XXXX XXXX by Illegal Deployment Classification XXXX ) Contact The Attorney General AND Demand Action against USAA Bank for A Malicious Financial Fraud without Resolution for 24 Months!!! 
USAA Bank Member Advocacy XXXX XXXX is Required to Terminate ALL Fraudulent Accounts Immediately! 
Her Personal USAA Business Telephone Contact is ( XXXX ) XXXX USAA Federal Savings Bank Fraud Agent XXXX XXXX has Not Returned Voicemail Messages for Seven Months and is Obstruction of Justice in XXXX XXXX XXXX The FBI is Conducting A Criminal Identity Theft Investigation in USAA Bank Relocation in XXXX XXXX Nevada by Agent XXXX in XX/XX/2022 by Claimant in Recorded Deposition Investigatiing USAA Bank In illegaXXXX XXXX XXXX XXXX with Case Number This Identity Theft Crime was Submitted Online to the Consumer Financial Protection Agency in Washington DC ( FBI Washington DC ) with Case number To Investigate the USAA Bank in XXXX XXXX Texas in XXXX XXXX XXXX!! 
XXXX XXXX XXXX XXXX Due Process of Law!!! 

















XXXX XXXX XXXX on This Character Assination by USAA Bank XXXX XXXX XXXX XXXX Due Process of Law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I mailed a dispute XX/XX/2023 to Experian the letter was recieved on XX/XX/XXXX I did not have a full acccout number for this degatory claim and no attempt to reclaim to this debt and also no notfication was sent that this debt was going to collections

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 2023-01-23
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I mailed a letter to Experian on XX/XX/2022 asking that they remove all of the incorrect and inaccurate addresses listed on my credit report because I am afraid that I'm susceptible to identity theft and fraud! They did NOT remove all of the incorrect addresses off of my credit report! According to the FCRA, my credit report must be 100 percent accurate and verifiable. And consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. I only have ONE address, but Experian has kept all other incorrect and inaccurate addresses on my report after I already asked them to remove them! I even verified my address by sending them a copy of my license and verifiable utility bill! Experian is in TOTAL violation of my rights to accurate credit reporting!

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 2023-11-16
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
Did a refinance with XXXX XXXX was paying on XXXXXXXX XXXX  mortgage learned that during the refinance process property loan got sold off from loan care to XXXX XXXX. The loan never got closed. XXXX XXXX put the loan into a foreclosure property was being sold off due to the. And in foreclosure, customer had to pay {$10000.00} hire an attorney to try to resolve and customer was paying XXXXXXXX XXXX  mortgage while XXXX XXXX was for closing on the property mortgage companies are stating that its customers fault but customer did everything right the check was sent back to XXXX XXXX never XXXX XXXX is saying that customer give false information but customer never gave false information and customer should not have to pay {$10000.00} to get her house at a foreclosure if the job is done right

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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX Balance : {$29000.00} ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : -.

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 2022-07-10
Company: CHARLES SCHWAB CORPORATION, THE
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I attempted to access my account online to check my balance. There was a message telling me that the bank needed to verify my identity and to call XXXX. I called and the man asked me several questions that would verify my identity. After about XXXX minutes of questions, he informed me that he would forward a report to the verification department and that it would take 3-5 business days to resolve. In the meantime, I then could see that I had no access to my account. I attempted to go to an atm machine, but after 3 attempts in three different bank ATM machines, I had no access. 
I returned home and called the above mentioned number, and this time spoke to a woman. I told her that this was not acceptable. I was upset, but at no time did I use any vile language, nor did I use language that was threatening. I told her that I was traveling in XXXX and that I needed access to money immediately. She suggested that I go to a branch of my bank to identify myself. I told her that I am traveling and that there is no branch of the bank here. I once again, in firm but not violent terms, told her that I could not go XXXX days without access to my money. I asked her what else she needed to identify myself. I waited for an answer, but I discovered that she had hung up on me! 
So I called back the above mentioned number, and now complained to a third person about the original problem, but also now that an agent had hung up on me. 
I want to know : 1. Is it legal for them to put a hold on my account, while they " resolve '' a problem, when I had answered all questions regarding my identity. 
2. What else could they, behind the scenes, be investigating? The very nature of their questions should indicate to them that only the person on the account could possibly answer them. 
3. What actions may I take against the bank so that this does not happen?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-23
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been being harassed about a debt that I did not owe. This alleged debt is dated XX/XX/2017. I have requested on multiple occasions for this falsely reported debt to be validated and have been ignored and finally received a response that not only proves the debt is not owed by me but violates my rights under HIPPA laws. This document that will be included not only shows I had a XX/XX/XXXXbalance with this agency, it exposes my personal medical history the infringes on my rights under hippa law! 

The documents shows that the patient in question owed a XX/XX/XXXXbalance and was covered by medical insurance at the time of the procedure/appointments. Furthermore these documents show misleading and false medical information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: CITIBANK, N.A.
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:
Earlier in XXXX of this year, I logged into my Citibank account and discovered unauthorized transactions for more than {$17000.00} on a credit card that I never use. 
No security alerts were ever triggered by Citibank. 

I immediately contacted their fraud department and because the number of individual transactions was over XXXX and I don't use this card I simply told the XXXX that I am disputing all charges. 
The person in charge of the investigation was XXXX XXXX. 

Almost 2 months have passed and all but XXXX transactions have been refunded. 
The outstanding transactions are XXXX balance transfers to an unknown bank account on XX/XX/21 in the amount of {$5000.00} as well as on XX/XX/21 in the amount of {$4700.00} in addition to a balance transfer fee of {$290.00} charged by Citibank on XX/XX/21. 

Because of this outstanding balance {$9900.00} still appearing on my account I have a payment due date of {$150.00} for tomorrow, XX/XX/XXXX. 

I called Citibank today and they claimed that I never disputed the balance transfers which is a lie. 
They also told me the name of their XXXX is XXXX XXXX which does not match the name I was given previously. 
The person I talked to also had no case number on file which must be a lie. 

I had a similar problem with this bank a couple years ago when someone stole my XXXX XXXX and made a few XXXX dollars worth of purchases. 
I had disputed all purchases and when I called back a month or so later the bank claimed that I never disputed the charges which was a lie. 

It appears that this is a common practice at this bank which is the reason for submitting this complaint. 

I hope you will be able to assist in getting these charges reversed.

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 2023-11-16
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
Did a refinance with XXXXXXXX XXXX XXXX XXXX held the mortgage on the property but the refinance loan never got paid off which made customer go into foreclosure. Customer had to pay out of pocket {$10000.00} to pull house out of foreclosure. Customer contacted Mr. Cooper Mr. Coopers manager said it would be resolved, was never resolved due to the foreclosure. Customers credit has been damaged and customer had to pay XXXX fees as well as pay an additional {$10000.00} to get property out a foreclosuref When if the refinance wouldve been paid off customer wouldve never had to pay anything. Customer contacted Mr. Cooper  to inform him what was going on Mr. Cooper  contact the title company went rounds for almost a year and problem never got resolved talked to multiple managers managers told customer it would be resolved and it never got resolved. Were just companies and Title Company is putting the problem on customer when customer did everything that she needed to do to resolve the issue so customer feels that one of the company should take responsibility of the problem customer we shouldnt have to pay {$10000.00} additional to have her refinance close the year later after closing day while paying the mortgage with

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Bread Financial Holdings, Inc.
State: TN
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:
The acct opened in XXXX 2019. I received the bill and it was way over the amount of services from the beginning at over XXXX. I disputed the amount was brought down to {$920.00} of which I paid in full. I was recovering from XXXX and need some detail work after XXXX. I later pulled my detail charges and found that the original balance I should have paid was {$550.00} ( XXXX+XXXX ) .The other charges were for a different XXXX that has already been paid in full as well in the day of service. Comenity Capital Bank has since closed my acct, sold it to XXXX, and stating that I still owe {$260.00}. How can that be if I overpaid them in the first place. I have proof and I can not get an answer from either of them on how they plan to correct their error. I have been turned down for 2 credit cards and can not get my home refinance with this incorrect information on my credit report of which they refuse to remove. I have placed a dispute with XXXX and it will not be settled until XX/XX/XXXX but I do not have that kind of time because I have 90 day to get my home refinance or I have to sell it by court order. I have been trying for over a month to get this issued resolved and I can do without this stress and XXXX since I am still recovering from XXXX and XXXX  I am on a time crunch and it seems that they have no intentions of changing the false report they created. Not only did I over pay {$360.00} they sold the account to a debt collector that is charging me another {$260.00}. This is is devastating, very stressful during what should be a happy time, and time consuming to file all of these complaints and all they needed to do was the right thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: Self Financial Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
SELF / LEAD - XXXX - {$0.00} SELF / LEAD - XXXX - {$0.00} XXXX XXXX XXXX  - {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX {$450.00} SELFINC/LEAD - XXXX - {$150.00} SELFINC/LEAD - XXXX - {$150.00} On XXXX  I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being take advantage of and ignoredonmydisputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
There was a withdrawal of {$1000.00} from my Bank of America PrePaid card that I myself did not make in XXXX XXXX. I called to make a claim regarding that XXXX XXXX and they told that they would look into it, XXXX XXXX I received a letter stating that my claim was closed. I called again to have the claim reopened since I did not make that withdrawal. They have asked me to send in a photo of my ID to compare to security cameras where the withdraw was made, as well as call back every week to check in. As of today XX/XX/XXXX I still have not received my credit. I have done everything they asked me and they keep giving me different stories everytime I call.

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