BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-19
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I filed a dispute several times and never received a response from XXXX XXXX and I sent them letters twice in the last 6 months and I am tried of it. They never responded to me an I allowed them more than enough time even past the time the law allows. I noticed that you are reporting this item on my consumer reports as a charge-off with a balance. I am writing to understand which portion of this alleged debt was charged off or cancelled because I do not recall receiving a 1099-C. From my understanding, I am supposed to receive a cancellation of debt tax document so I can report this amount on my taxes.

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 2022-11-18
Company: Amscot Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
On XX/XX/2022 I visited store XXXX in XXXX Florida to make my final payment. I am in possession of the receipt which shows {$0.00} remaining balance. Approximately a week after making my final payment, I am barraged by phone calls from the local store that I still owe on this payday loan. For months I have asked for an accounting ledger showing debits/payments to substantiate their claim that I still owe them money- Amscot refuses to do so. 

I have a receipt signed by an employee which proves the debt was paid in full - at this point I believe the agent who received the money from me stole the cash from the company and did not apply it to my account. 

Amscot refuses to show any type of paperwork to substantiate their claim that I do in fact still owe them on this debt, despite the fact I have provided them the receipt multiple times via email and in store.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hello, I have a XXXX checking account with Bank of America. OnXX/XX/XXXX. I used my ATM card for 4 transactions, there was more than enough money in the account to cover the charges. XX/XX/XXXX was a Saturday. On Monday XX/XX/XXXX, I purchased gas, at the time there was {$5.00} in my account. The gas purchased over drafted my account and I understand this charge is my fault. I am not disputing this charge. However, all of the charges made over the weekend were charged overdraft fees as well. The gas purchase had n't even hit my account yet. On Tuesday XX/XX/XXXX, I received a deposit of {$140.00}. Bank of America charged 4 NSF fees to that credit leaving a balance of {$9.00} in my account. I have spoken to the bank several times regarding the processing of transactions, I 've been told they do n't process in the order they occur. I am a XXXX XXXX XXXX struggling to break even. The fees in question are unlawful. Please look into 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 monetary relief
Consumer complaint received 2023-06-24
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with my mortgage company to keep my house. And I was just informed that my house is suppose to go up for auction in aug..no one has told me anything..it is court documents I have never been served..never appeared in court..nothing..Midland mortgage is doing some underhand things. I need answers if my house is in foreclosure why do I not know about it. Why am I going thru all of these hoops for Midland mortgage. I am so upset. Someone needs to contact me asap..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
In XX/XX/XXXX I financed a used XXXX XXXX rogue for XXXX with a monthly payment of XXXX plus car insurance XXXX was on time with the car insurance and my car note .when the pandemic came about my hours at work were shorter so I applied for liability until I I get a better job or more hours.Soon after my car was hit so I had to pay out of pocket insurance .About a year later my car got stolen.I did the right paperwork and followed every step.About 6 months later I received a letter from the finance company.I was told to pay a percentage because the car wasnt recovered.I gave up but I was still tryna pay them so I started paying atleast half and what I could. About XXXX later I was watching the news and seen my car amongst other ghost cars that was hidden and took by XXXX XXXX I called XXXX told them everything and was told my car not there. Immediately I called the finance company and I told them and they told me I still have to pay.I believe they recovered the car and still trying to make me overpay for their car I barely had. I asked to gps the vehicle they told me they took it off a year before I brought it. They were no help and rude. Lastly my car was repossessed before and I found it there when they lied and said it wasnt.

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 2022-11-11
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, 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:
Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. 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. 

FOR EXPERIAN XXXX XXXX XXXX, XXXX {$220.00} XXXX XXXX XXXXXXXX XXXX, XXXX {$4100.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 explanation
Consumer complaint received 2023-03-16
Company: LEXISNEXIS
State: IL
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 my credit report from each of the four major credit reporting agencies ; lexis nexis, XXXX, XXXX  and XXXX. Ive discovered a bankruptcy was listed under my name. I had no idea my information was given to the credit bureaus without getting permission nor any acknowledgment. I contacted all four credit bureaus, sent out dispute notices and they was unable to rectify the situation. According to the 15 U.S.C 1681 a.1.a law there should not be any damages to my report and its a defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Betterment LLC
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2022 I had two ( 2 ) accounts with Betterment and closed both accounts. In one case the funds were easily transferred to an existing linked account. In the other case the bank refused to transfer my funds to the existing linked account but rather forced me to provide a scanned colored photocopy of my government issued ID as well as a bank statement of a bank NOT linked to my account. I expressed concern submitting such a document and photograph especially regarding an account that was NOT associated or linked to this account. The bank refused to release my funds unless I did so. 

Being forced to produce a government issued ID and a bank statement of an external bank unrelated to Betterment seemed both unfair and high suspicious. Such documents raise concerns for Homeland Security as well. 

Since the bank was able to release funds quickly and easily when I closed one account it did not make sense, they refused to do so on the other account without me providing sensitive information. I now have concerns that my ID and bank statement may have compromised my security and I am suspicious why it was needed. 

I requested for Betterment Bank to release my funds as they did with my other account only a day or 2 earlier but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage payment has doubled due to the fact that the escrow collected was not satisfactory to pay the tax bill. The escrow collected was on projected {$630.00} of taxes. The actual tax bill was {$4800.00}. Now my mortgage has gone from {$860.00} to {$1700.00} overnight. 

How was escrow of the property so far off? I feel that the lender INTENTIONALLY did not estimate taxes for a new construction to make the sale! The loan was for a new construction investment property, so why didn't the lender use comps in the area for an estimated tax bill rather than use the land value of the lot? 

Why was I not informed of this in XXXX when the tax bill was paid by the escrow? Now I have a {$6300.00} shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My US Bank Savings account was hacked online on XX/XX/20. There were transactions that were made that I did not authorize. Some of the charges were reversed with the exception of XXXX XXXX transactions in which they denied my claim stating they were authorized by fingerprint authentification. I have called several times to speak with a manager and I pretty much have been getting the run around because I have yet to speak with one. The crazy thing is 5 days prior to my account being hacked, I received an alert on my phone stating information changed on my account, and if I did not make the change to call the bank. When I called the bank nothing was never verified and she told me it was probably a delayed alert.

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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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/2022 ) I sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts 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 2022-11-18
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Im having a issue with my TD Bank business account, the ban are now put a alart or hold on the account so that im unable to do any withdrawals or make any kinds of transactions or payment, please remove the alart or any hold immediately, and please contact me at XXXX or XXXX if you have any questions or email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 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

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 2023-09-11
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
Please provide me with a document that proves you sold the loan on XX/XX/XXXX  to XXXX XXXX 

I need more than your letter. Your promises and representations deceptively and fraudulently change at your discretion. 

Please provide me with a proof of sale or transfer document. With the exact date not just a month. I need an exact date on the sale or transfer of the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: TX
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:
I just got a copy of my credit report and noticed some inquiries that I have no knowledge of or give consent to. According to Section 604 of the FCRA, would you kindly provide me with permissible purpose, proof that I initiated these inquiries, and written authorization for all inquiries listed on my credit report? If you have NO PROOF, I demand immediate deletion from my credit report. 

I have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization, and have failed to provide a permissible purpose. Since, they do not have my authorization, written or verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose. 

According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete.

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 2023-12-16
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have been a customer of XXXX for a long time and always availed and enjoyed the rewards and perks they offer through their store credit card. So I know they are good with those offers and also know how to use them. But with last two purchases, I was supposed to get extra {$10.00} and {$25.00} extra scratch off offers but they never materialized. They usually send these after 3-4 weeks so there is a significant lag before I can call and ask them. When I finally chatted with the agent, she agreed I should get them and gave me a phone number to call, I called that number XXXX ( XXXX ) XXXX ) but the agents there told me those are promotional offers and no longer active so they can't do anything about them. They are going by a script but I should have some recourse where if I did not get what was promised, I should be able to reach someone and able to resolve. But the Agent on the line said there is no supervisor that will take my call. Her number is XXXX. The two purchases I made are : XXXX. XXXX XXXX XXXX XXXX ( purchased on XX/XX/XXXX XXXX  ) for {$260.00} and XXXX. XXXX XXXX XXXX XXXX ( purchased on ( XX/XX/ ) for {$130.00}.

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 2022-11-18
Company: Experian Information Solutions Inc.
State: MA
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:
There is an account being reported by XXXX XXXX  which was opened on XX/XX/2022 with an original creditor as XXXX  in the amount of {$140.00}. I have had this fraudulent account removed several times. Experian is being negligent by reporting this account. I have never done business with XXXX. Experian has not done their part and I'm tired of Experian reporting accounts have not been verified properly or investigated properly. My attorney and I am prepared to file charges against Experian for violating the FCRA.

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 2023-12-16
Company: Chime Financial Inc
State: KY
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:
On XX/XX/23 my Chime account was hacked. I began receiving thousands of texts nonstop, to prevent me from receiving notifications from my bank. I called chime support because my phone number, email and password to my account was changed during this period. They were able to change my account email, then I was hung up on. I called again to dispute the transactions and was told to call back in an hour because they were having server problems with my account. I called a third time and was told nothing could be resolved. I highly suspect that inside sources of chime stole my information/money. I have transactions being made from XXXX XXXX. I have a charge from XXXX of {$1500.00}, another from XXXX XXXX of {$40.00}, XXXX XXXX XXXX of {$42.00}. Please help and publish this so others are warned to avoid this bank.

Company response to consumer: Closed with explanation