BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WI
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:
I wil need to go back through my phone records for dates. If it comes to that I will. I recently moved XX/XX/XXXX. During my move I purchased a home and had trouble getting closing information from 5/3 bank that the title company said that they never have these problems. After I moved I switch my checking and savings account from 5/3 to  XXXX XXXX. I had to call them three times and numerous emails to close 2 savings accounts and one checking account. They charged me fees in the interim because of their incompetence which I paid to avoid credit issues I also stopped my credit card acoount with 5/3 bank after I had another fraudulent charge. They said they wanted to send me another card. I told them NOT TO SEND THE CARD! They did not send the card. The card has charged on it and I never received the card! I talked to their security department and their no coustomer service department for over 1 hour and got nowhere. I just received another threat to get payment for something I never purchased. I told them to send me an affidavit and they have not. HELP PLEASE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, Mo XXXX Attn XXXX : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX/SEEDFI it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). 

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I am herby requesting all above disclosures required by Federal. Since you failed with supplying these documents as the federal regulations states, delete the above account from my three consumer reports. 

XXXX XXXX ( All Rights Reserved )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.

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 2023-09-07
Company: Global Lending Services LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Global Lending group has been calling XXXX times a day from XXXX XXXX to the present day. I have set up payment arrangements and they continue to call XXXX times day even after payment arrangements have been set. This is considered harassment by the Fair Credit Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: CITIBANK, N.A.
State: FL
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 cant remember when I started noticing all these inquires on my account but when I did, I took action immediately by contacting each company asking them to remove these inquires because it wasnt me.

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 2020-02-07
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been attempting to sell m home via a short sale since XXXX of 2019. My lender Mr. Cooper has not cooperated with me throughout this entire process. My realtor has been assigned several negotiators and each time the short sale process had to start over. The last negotiator that was assigned had been giving my realtor false information via XXXX. One example being that my property had to go through a short sale valuation program via XXXX. She told my realtor several times that she was waiting for a date for the property to go through the program when the whole time the property was denied for the program. Secondly my property has had at least 8 valuations done, both appraisals and BPO 's, all consistently coming in around the same value. Several different offers were submitted for full price of the value. They were denied because either the negotiator/lender allowed the values to expire or excessive fees as the lender stated. My realtor worked to get the fees removed or reduced as Mr. Cooper asked and resubmitted the offer. The negotiator has allowed the offer to sit on her desk for over 30 days stating the internal system wont update and that she cant do anything until Mr. Cooper fixes the system. Now I have a sale date and the lender wont stop the sale date to review and approve the latest offer. To me it feel as though Mr. Cooper is trying to force me into foreclosure instead of helping me as they state they will. The negotiator XXXX XXXX is pretty much very non responsive and doesn't really seem to care about my situation as well as the rest of Mr. Cooper 's staff. I have done everything that has been asked of me. I have called Mr. Cooper several times to try and assist my realtor to help move the process along with selling my property but haven't gotten anywhere. To me it doesn't make any sense that I have a BPO done on my property on XX/XX/XXXX and on XX/XX/XXXX, the internal system for Mr. Cooper is not updated to show that value and therefore the negotiator chooses not to do anything with my file other than says she has to wait until the system is updated and the valuation is updated. That's 30 days that has been lost and the amount of time we have been waiting on an answer in reference to the offer that was submitred with the fees waived or lessened as Mr. Cooper asked. Its also mind boggling to me that all the offers that were denied, were denied pretty much immediately but this one has been delayed or ignored after all instructions were followed after being told what was need by Mr Cooper. Mr. Cooper and the negotiator XXXX XXXX needs to be held accountable for this. I am losing my home to foreclosure and they aren't willing to help only willing to push me further into foreclosure. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The list of accounts below has violated my federally protected consumer rights to accurate reporting and right to privacy and confidentiality under 15 U.S.C. 1681. This section states I have the right to privacy. Furthermore, Section 604 A Section 2 of the same statute states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any adverse item of information that antedates the report by more than seven years. Additionally, the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies ( CRAs ) to have reasonable procedures in place to ensure that information they provide to third parties is accurate and up-to-date, as stated in 15 U.S.C. 1681s-2 ( A ) ( 1 ). Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) also states that 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. 

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 2022-07-22
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
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:
I have a car loan with TOYOTA MOTOR CREDIT ( XXXX XXXX ) and I was using their new FINACIAL app to pay the monthly installments. However, due to an error in their FINACIAL app, I was paying more than double the monthly installment to the extent that the due date on the paper statements, I received from the company, was three months from the statement date!! My XXXX credit report shows that the reported monthly installments by TOYOTA MOTOR CREDIT was XXXX on some months which means that the account was over paid!! 

I contacted TOYOTA MOTOR CREDIT ( which also takes care of XXXX loans, like mine ) and they admitted that their FINACIAL app was not working properly and they waived the late fee on my account as I told them I had to stop using their app for payment until I avoid any over payments from my Bank account, during the course of such switch, a payment was not promptly sent!!. 

The credit report history for my payment with TOYOTA is Crystal clear and shows the over payment on the account. 

Now the payment is current without any over payment since I stopped using the app and started paying directly from my bank account. 

I disputed the late payment with TOYOTA and they apologized of the false reporting of the late payment on the account without admitting to the error on their newly developed app. 

I need my credit report to be cleared from this late payment as I explained the reason behind it earlier. Also, I have other revolving accounts on my credit report that are all have perfect status.. 

My credit was more than XXXX before reporting the late payment and it is now XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Please see the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2018-11-03
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX I received a letter from XXXX stating that I should expect to receive a PSLF tracking statement sometime after 90 days. 
XXXX I had not received my tracking statement. I called XXXX to ask about it and was told I should get it within the month. 
XXXX I had not received my tracking statement. I called XXXX was told that I should expect it in 5 months. I was verbally told that 44 of my payments would qualify for PSLF and that there were 24 payments that XXXX wasn't sure about. I was concerned about the 24 uncertain payments, but without my tracking statement, it was hard to have a discussion about them. 
XXXX I had not received my tracking statement. I called XXXX and was told that I should receive it in 10 days. 
XXXX I had not received my tracking statement. I called XXXX was told that my statement was still being processed and that XXXX could provide no timeline for completing it. I was verbally told that at least 5 of my payments would not count because they were in " paid ahead status '' and that they would need to be " manually reviewed '' taking 6 months to a year. I had never heard of paid ahead status and was deeply concerned and confused. 
XXXX After doing some research about paid ahead status, I called XXXX back. I was verbally given even more confusing information about which payments do and do not count toward my PSLF due to paid ahead status. I requested that all of the previous paid ahead statuses be fixed ( I knew I had never under-paid ). I was told that no future payments would be marked as paid ahead and that the previous payments would be fixed by XX/XX/XXXX. I again requested my PSLF tracking statement. I was told I could expect to receive it in 7-10 business days. 
XXXX I went to pay my loans and discovered that I had again been put in paid ahead status. 
XXXX I called XXXX. I was again told that paid ahead status would be permanently removed from future payments and that all previous paid ahead payments would be fixed. 
XXXX I have not received my PSLF tracking statement. I have not received any notice that previous paid ahead status payments have been fixed. Frustrated by my inability to get results from XXXX, I am submitting a CFPB complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I HAVE HAD A CHECKING ACCOUNT WTH WELLS FARGO BANK FOR YRS WHEN I CHECKED MY BALANCE ON XX/XX/XXXX FOUND OUT FROM BANK RECORDING THEY TOOK OUT XXXX DOLLARS NEVER HEARD THAT ON MY REC BEFORE CALLED BANK AND FOUND OUT THAT THEY HAVE BEEN TAKING THAT MUCH OUT SINCE XX/XX/XXXX I GOT BANK TO GIVE ME XX/XX/XXXX TO XX/XX/XXXX DOLLARS I WANT TOTAL OF XXXX TO BE GIVEN BACK THERE WAS NEVER A NOTICE RE THIS FEE I CALL THE RECORDING AND THIS WAS THE FIRST TIME I HEARD OF BANK TAKING A FEE

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 2023-02-23
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:
n accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality. 

XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NE XXXX acct * XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NE XXXX acct * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX acct * XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ut XXXX acct * XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX acct * XXXX Transunion Account XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ut XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, Ca XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX, Al XXXX XXXX of XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, NE XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ut XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX, Al XXXX 15 U.S.C. 1681 section 602 A : state I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an 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 2019-02-06
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2018, a fraudulent deduction was debited to my debit account. a ridiculous fee of {$600.00}. XXXX cents was taken out of my account for a XXXX taxi ride. I do not have a XXXX app. I own my own car. I went to the bank the next day ( Citibank on XXXX XXXX XXXX, ny ) I reported the theft and since then after numerous phone calls to their credit fraud dept. I have been given the runaround. I have called at least 6 times. When you talk to the agent they will not give you their full name ( only their first name and usually some bogus coded info ) The last time I called, the rep told me much to my astonishment that the case was closed. When I complained, she said that she would e-mail the fraud dept. and they would send me a letter in a week. It is impossible to talk to a person directly involved in the case. Everything is e-mails being sent to the parties that could resolve the problem. Citibank is like a secret society purposely set up to pilfer a client 's money. I paid a 30 year home mortgage to citibank at 9.75 percent. I have been a customer for probably 40 years and this is how they treat me. Any banking institution should have flagged such a ridicuous amount for a taxi ride. I am retired on a fixed income. I, virtually have no savings. Please tell me how I an retrieve my purloined funds. 
Appreciatively,

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 2023-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I applied for a federal business loan and was approved. Bank of America rejected the way the FEDERAL GOVERNMENT sent the funds to my bank account which was a personal account. I applied for a FEDERAL business loan and was approved for a FEDERAL business loan. I am, and was at the time of application a fully functional business as I had filed yearly taxes XXXX years prior to the year 2020. Bank of America made a huge deal about the account I chose to receive the funds. They in turn closed my bank account, returned my loan amount back to the issuer and then reported me to XXXX as Suspected fraud and the status of the XXXX account shows as Closed : Paid in Full as if I owed them a balance. BOA also reported me to XXXX XXXX as check account fraud and the XXXX XXXX  account is shows Unpaid. This information is inaccurate as there was NO FRAUD and there was no money to be paid back to any banking institution.

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 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
First and foremost I am the original creditor 15 USC 1692 ( 4 ). I am the originator and the consumer. 
Secondly, XXXX mailed me a signed consumer contract on XX/XX/2022, which is not sufficient evidence of a debt. All that means is a credit transaction took place. 
According to case law, Pacific F.C.U v Kaunaone, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ).

My rights as a consumer have been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report Account # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. 

I am demanding that XXXX XXXX produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ).

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