BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-12
Company: WELLS FARGO & COMPANY
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In XX/XX/XXXX I voluntarily surrendered my ex-wife 's vehicle which was purchased in XXXX. At the time I was told the vehicle would be sold by private disposition and I would be notified at a later date if there was a balance remaining. I never received anything. I pulled my credit report and saw an entry from Wells Fargo Dealer Services stating I owe {$890.00}. I contacted them by written letter dated XX/XX/XXXX to find out what this was about which was sent certified via XXXX and was signed for on XX/XX/XXXX. I did not receive a response so I contacted them again by written letter dated XX/XX/XXXX, also sent certified via XXXX  and was signed for on XX/XX/XXXX. Still no response so I contacted them again by written letter dated XX/XX/XXXX, also sent certified via XXXX and was signed for on XX/XX/XXXX. I finally received a response from them via a letter dated XX/XX/XXXX. In this letter they enclosed some documentation including the Voluntary Surrender agreement which I originally signed. There were several other items I had never seen before including a Notice of Our Plan to Sell Property, a letter dated XX/XX/XXXX, a letter dated XX/XX/XXXX, a letter dated XX/XX/XXXX and a letter dated XX/XX/XXXX. All of this correspondence was sent to an address I moved from previously and my current address was clearly shown on all correspondence I had sent them. Please note that the first letter they state they sent previously was dated prior to any correspondence I had sent. This letter also stated that more than 2 years after the sale of the vehicle, on XX/XX/XXXX, they received a refund from a service contract I purchased with my vehicle which reduced my balance by {$450.00} so my balance due is {$440.00}. I responded with a written letter dated XX/XX/XXXX sent certified via XXXX and signed for on XX/XX/XXXX requesting, again, that they remove all references to this account from my credit profiles since they were negligent in sending me anything previously about a balance due and I would agree to pay this balance. I received a letter from them dated XX/XX/XXXX stating they needed more time to complete their research and they expected to be able to respond by XX/XX/XXXX. When no response came, I followed up again, by certified letter sent via XXXX dated XX/XX/XXXX and signed for on XX/XX/XXXX, again requesting resolution to this matter. I received another letter dated XX/XX/XXXX also stating they need more time to complete their research and they expect to be able to respond by XX/XX/XXXX. This has gone on long enough and I feel these are simply stall tactics. I would appreciate any assistance you can give to remedy this situation.

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 2023-06-28
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Citicard has blocked my card since early XXXX because the " fraud department '' can not " authenticate '' me. As a result I now want to cancel my card and receive back a prorata portion of my annual fee ( {$40.00} ). But Citibank fraud department ( to which I am automatically connected ) refuses to do so, even though there are NO charges outstanding and card payments are completely up to date. Citicard has no problem " authenticating '' me when I make a payment on the card - I did so today. It is absurd that this bank makes it easy to take money from me but will not undertake the services for which I am paying. As a result my frustration makes me want to cancel the card ( I can not use it ) but they won't even allow me to do that. When I contact the fraud department they need to call me back. My home number is not an " acceptable '' number for that purpose. When the agent calls my business line the call does not go through. She is clearly working from home and has a technology issue. It is disgraceful that Citicard discriminates against military veterans in this way

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 2023-06-10
Company: EQUIFAX, INC.
State: CT
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XX/XX/XXXX, I called transunion to dispute charge off that is over 7 years old and should be removed, they are telling me they checked with XXXX  and they reported this XX/XX/XXXX, XXXX has no record of this and this is charge off from over 7 years ago, i told them again this is charge off and over 7 years ago and should be charged off and XXXX has no record of them checking and XXXX  does not have my records since it has been over 7 years ago, i have open dispute with transunion on this item, they still need to remove both items in dispute, over 7 years old

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 2021-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I placed an online order at XXXX for a pair of XXXX Shoes in Size XXXX on XX/XX/2021 in the amount of {$120.00} using my Bank of America Debit Card linked to checking account. However, the merchant has shipped me a pair of XXXX Shoes in Size XXXX ( incorrect size ). After numerous emails, the merchant has provided me with a return shipping label, promising me to issue my refund immediately upon receipt of the incorrect item they had shipped me. I have shipped the item back using the return shipping label with XXXX tracking number XXXX. The package was received back on Monday, XX/XX/2021 by the merchant as the XXXX tracking number indicates. However, the merchant is now refusing to issue my refund. I have asked Bank of America to open a claim against the merchant, and retrieve my funds as I am no longer in possession of the item, and I have proof that the item has been returned to the merchant. Bank of America opened a claim. However, without taking into account the details I provided, they closed the case and reversed the temporary credit they had issued for me. The fund has been debited from my checking account even though I have returned the item, and Bank of America is not helping me to get my money back, and is not treating me fairly. I am asking CFPB to resolve the issue for me and retrieve my funds for this incorrect item, which I returned and Bank of America has failed to close the case in my favor despite all the evidence I have provided.

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 2022-10-18
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello and thank you for helping out with my mortgage loan ( # XXXX ). 

I was struggling like most individuals when the pandemic began and had began the forbearance plan, for 15 months I was in the plan and had a payment of nearly {$28000.00} made to bring my mortgage current. 

At the time when I contacted United Wholesale Mortgage, which some customer service representatives were kind however most were really rude and did not help at all and still are not helping which is why I've had to resort to filing this complaint. 

I was promised that after this payment I could use the remaining 3 months of forbearance and after the plan ends, UWM would place the past due amount to the principal balance and resume my payments on XX/XX/XXXX. 

Prior to XX/XX/XXXX, I proactively reached out again to UWM to ensure what to do next and seek for what was promised and had a rude gentleman tell me " well you need to qualify for it first ''. 

Qualify for what? I was on the forbearance plan and was told the unpaid 3 months would be added to my principal and I would resume XX/XX/XXXX with my payments due. 

It's not fair and got papers saying I need to sign away for a short sale? There's no need for that. 

I am please seeking help, I am only requesting for the unpaid 3 months to be placed onto the principal balance so I can resume payments as I was promised especially after making that payment that was originally due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: American Credit Acceptance, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am enrolled in auto pay with this company, due to system issues they have failed to draft my account on the payment date. I called the company and they confirmed and reassured me no payment was due. Today XX/XX/XXXX I noticed that auto pay did not draft again and gave them a call. They are telling me I am behind 16 days because of an issue on their end. They did not disclosed any issues to me! I live paycheck to paycheck and now I am behind on my payment and can not pay it! This is the XXXX time this happens since the loan was sold to this company without my knowledge in XXXX! I do not want them adding payments to the back of my loan that matures in XX/XX/XXXX I want the tittle to my car and this loan account CLOSED! I do not want to deal with this disgrace of a company. I never had any issues prior to American Acceptance managing my loan!

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 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Privacy and confidentiality under the 15 USC 1681 Account XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXl # XXXX, XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.C.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person Shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I was informed by an unrelated party that on XX/XX/2021 an estranged family member was able to access my loan account, financial information, and allowed to make changes to the communication preferences such as changed the email to here and the phone to hers, and I wasnt XXXX to get into my account. They insisted it was the borrower ( me ) who made these changes on XX/XX/2021. They should never have allowed any of this to occur. My privacy has been totally violated and its irreparable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Square Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I used Cash App to purchase some stock. On XX/XX/2021, at XXXX, I sold {$360.00} of stock. I have a screen shot of this sale showing the date, time, and value. Cash App only deposited {$300.00} in to my account. I have sent multiple emails to Cash App customer service - they have only responded twice, and in those responses only said " we are reviewing this ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The 5th 3rd Bank placed a hold on a check deposited from a XXXX Account which cleared the next day. They place a XXXX hold on the check, claiming that it takes 9 days for the Federal Reserve to instruct them if funds have cleared. When I indicated that the Federal Reserve clears funds every night at midnight - they then changed the story to the FDIC - when I explained the FDIC doesn't hold funds - they refused to further answer any questions regarding the funds and indicated I would have to wait until they decided to withdraw a hold. 
I asked that since they finally admitted that the hold was by Fifth Third Bank and neither government agencies- the lady said she can not pull a hold - in fact, Fifth Third gives full authority for a supervisor or Branch Manager to pull holds.

At this time, the funds are misappropriated and misplaced illegally by Fifth Third Bank and they can not identify where the funds are now held.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: EQUIFAX, INC.
State: NV
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened a zelle account with my phone number several years ago and used it for a while with no problem. Then my co worker sent me {$150.00} for a part we split the cost of. I went to log in and was told my account was blocked due to suspicious activity. I called zelle and sat on hold for several hours. I finally spoke to someone who acted like this happens all the time. I answered all the questions and my account was supposedly ready to use. I checked and no same thing. I've tried with them 2 more times and no avail. So i decided to not use them and count the {$150.00} as a loss. Now several years later I still have the same phone number and email and my account is still blocked. I need it to get paid through work. I am very nervous though that zelle is going to steal more money from me than they already have.

Company response to consumer: Closed with explanation