BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
Company: Global Lending Services LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I purchased the car and since very first day I was mislead with price it was not posted on the vehicle. 
Contract was misleading representation, it was false ad deceptive, unfair methods of competition, I was required to give a downpayment when it is not required when a credit S.S has being processed or checked. I was charged more apr than they were suppose to have charged and XXXX charges as well. Finance company audited the dealership and was forced to cancel the first contract and prepare a new one in which dealership didnt notified me nor asked me to come in to the dealership to sign a new contract with changes. I received by us mail the new contract w proof of check of difference send to finance company and they mailed me another check for there over charge w the XXXX, I called XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX about the matter several times w in the month, no one was interested, untilXXXX XXXXXXXX it was a Thursday and Friday before the car was repossessed on XX/XX/XXXX they hurried and got the car repossessed because I threatened to sue for fraud and defamation. I told them the car was mine and I didnt have an obligation to pay since contract has no wet signature from me the living person with a soul I am XXXX XXXX XXXX the beneficiary l want my security back ( car ) XXXX XXXX XXXX  back asap as they frauded me and stold my car. 

No one from global lending called me nor reached out to me until two weeks later letting me know my security was to be sold in auction on XX/XX/XXXX. Giving me less than a week to try and solve this matter, No one from repossession company has contacted me to allow me my personal belongings nor where they are located. I have been treated unfairly and inhumane under title 15 truth and lending act, I have been frauded and mislead as well. I also do not have any contract or written statements with the third party company repossession company nations recovery services inc, nor have I consented to them stealing my car security. I want my car back and i want the auction to be stopped

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
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: Information belongs to someone else

Complaint:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to XXXX and XXXX XXXX Compliance. Data Furnisher is in Violation of FCBA XXXX XXXX Code SS XXXX and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-07-06
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I signed up for a U.S. merchant service on XX/XX/19 for and this has been nothing but a nightmare. I feel I've been scammed. The lady who talked to me to initially onboard said that I have been way too much with other processors and she said " you'll pay almost nothing with us! ". She said that all I would EVER pay was a small percentage ( 0.5 % or so? ) for each transaction, that was to be ALL that I would every pay. No mention of monthly charges or additional charges, EVER. So she told me to just sign a docu-sign and I did. Then a few days later, a surprise, I get a payment hardware in the mail WHICH I NEVER ASKED FOR. I also saw a charge for {$53.00}. Somehow I found someone to complain to on US Bank site and the person named XXXX XXXX XXXX agreed that I was unjustly charged for something I never agreed on and promised a refund ( screenshot attached ). Weeks go by and I don't see the refund. I contact him again twice, but he decided to completely ghost on me. Today, a month and a half later, still no refund. Then, on XXXX, I see another new charge for {$35.00} labeled " XXXX XXXX XXXX XXXX XXXX XXXX '', which I have no idea what for. What the onboarding lady said was that you pay only when you use the service, in a tiny percentage. They just keep taking money from me for no reason. This is completely unacceptable. I can not remember the lady 's name but her phone number I have on record is ( 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 monetary relief
Consumer complaint received 2019-03-03
Company: Navient Solutions, LLC.
State: CT
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:
Parent Plus Loan Original Amount {$110000.00} dated XX/XX/XXXX has been PAID IN FULL for over four ( 4 ) years. Recently received a statement from Navient ( which was also sent to the State of Connecticut ) showing that we owe money on this loan which has been PAID IN FULL. Letters and statements have been received from Sallie Mae and Navient in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX confirming this. 

Currently unable to download the letters on this site at this time. 
Error Message Received XX/XX/XXXX : The webpage at https : //complaint.consumerfinance.gov/submit-a-complaint/XXXXFileAttach might be temporarily down or it may have moved permanently to a new web address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: CITIBANK, N.A.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened an account with Citi on XX/XX/XXXX and the requirements for a bonus were to deposit XXXX for 30 days. Promo code was XXXX. {$15000.00} deposit landed at Citi on XX/XX/XXXX. From that point they said I had to wait 120 days to see the {$400.00} credit. That would have been XX/XX/XXXX. I have all the chat logs that said i have completed all the requirements and they are currently " Investigating '' my account. This has been the worst customer experience with a bank that I have ever experienced and should be criminal. I have given them everything that they have asked for and still no solution. 

Info at XXXX, XX/XX/XXXX : Welcome A Citi representative will help you in approximately 58 minutes 0 seconds. 
Info at XXXX, XX/XX/XXXX : Within this chat window, do not share such information as your security word or expiration date. To help safeguard your account, we may send you a secure, electronic form you can use for sensitive information.

This chat may be recorded or monitored. 

You are now chatting with XXXX. 
XXXX at XXXX, XX/XX/XXXX : Welcome to Citi Live Chat. We appreciate the opportunity to serve you. I will be glad to check this for you. 
XXXX at XXXX, XX/XX/XXXX : May I ask you to confirm only the last 2 digits of the Citibank account number in question? 
You at XXXX, XX/XX/XXXX : XXXX XXXX at XXXX, XX/XX/XXXX : Thank you. 
XXXX at XXXX, XX/XX/XXXX : Please allow me a few minutes while I review your account. 
You at XXXX, XX/XX/XXXX : Thank you You at XXXX, XX/XX/XXXX : Anything? 
XXXX at XXXX, XX/XX/XXXX : Thank you for your patience. I have confirmed you have met the deposit requirement and have maintained it for 60 days which was completed yesterday. Please note per the offer terms : " If you are an eligible client and enroll and fulfill required activities, you can earn a Cash Bonus. If you fulfill the required activities for this offer and meet all other conditions then the cash bonus will be credited to your new checking account within 90 calendar days from the date you complete all required activities. '' As such, please allow 90 days from XX/XX/XXXX, which would be XX/XX/XXXX for fulfillment. 
XXXX at XXXX, XX/XX/XXXX : Mr. XXXX, are you still there? Do you have any other questions for me today? 
You at XXXX, XX/XX/XXXX : Yes You at XXXX, XX/XX/XXXX : Thank you very much for the assistance today You at XXXX, XX/XX/XXXX : That was all. 

As you can see from this chat log they did not follow their own terms. It should have been XX/XX/XXXX as the last legal day that the bonus would have posted.

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 2023-08-18
Company: EQUIFAX, 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:
My credit report is showing late payments to XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX . Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage company offer me a 90 day furlo due to covid they assured me that I would have options after the 90 days. Prior to that I was not behind on my payments. After the 90 days they was not willing to work with me on no level. I file for a modification and was denied I file for a payment plan again denied. All this started in XX/XX/XXXX. I Applied for assistant with the XXXX XXXX XXXX XXXX XXXX  three months later I was approved. On XX/XX/XXXX they sent a check to PHH Mortgage in the amount of {$6800.00} and another payment on XX/XX/XXXX in the amount of {$820.00} however my account still have not being brought current. I call every week for eight weeks only for each person to tell me something different they admit they have the funds but have not applied it to my account. They initially said it would take 14 days for the loan servicing department to apply the funds to my account. In the mean they would not take any payments from me making me get further behind. Yet no current update. I am a senior citizens and very worry about my home. I have live in this house for 21 years I have never got an accurate amount on how much i still owe my balance still show the amount I paid for the house in XXXX upon closing. I have an escrow account and they been taken out for that but not paying the taxes, please help me understand what is going on. 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 explanation
Consumer complaint received 2023-08-23
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: Their investigation did not fix an error on your report

Complaint:
I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : 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 2021-09-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been a working man and I family man my whole life. I have never had any issues in the past with paying our bills. My family and I went through some really tough time and lost our jobs do to the pandemic and COVID 19, it has truly been a massive struggle to survive. We are starting to get Back on our feet and able to make our payments but We have been calling for almost two months to try and resolve this issue with no result. They keep giving me the run around and tell me to check with them in A week or two. We applied for a plan that they are offering and have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In XX/XX/XXXX I notified Equifax to remove a old consumer statement from XXXX on my record and they say it will be removed within 72 hours or less it is now XX/XX/XXXX and the Consumer Statement is still on my Account after requesting 7 Times for the Consumer Statement to be removed! I need urgent assistance from the CFPB to completely Remove the Consumer Statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 are XXXX duplicate accounts open on my Trans Union and XXXX XXXX XXXX by XXXX XXXX XXXX agency with the same account number and XXXX different amounts. I disputed them but the somehow the credit reporting agency 's determined they were valid? Not sure how that could be? The original account was opened on XX/XX/XXXX account # XXXX in the amount of {$450.00} dollars. The second account was opened on XX/XX/XXXX account # XXXX in the amount of {$460.00} dollars. I disputed these accounts again before sending you this complaint. Although as usual XXXX is having problems with their website. They need to be closed down there is nothing but problems with them. Please have these accounts removed. The credit reporting agency 's should not be able to get away with this. Please protect my rights as a consumer.

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 2023-05-27
Company: Experian Information Solutions 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:
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. 

XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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, 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.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 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 2023-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
I was open this credit card and start using it. Everything was fine until someone stolen the card and make a purchases plus make a payments. Plus they charged XXXX $ for fast card delivery, what a shame. 

Today I say again a lot of unauthorized transaction plus my account restricted with no reason. I called them and understood nothing. They need to call somebody's bank??? what??? I said that it's fraud and someone making purchases and make payments.Not me. So, for now my card restricted, I don't have it in my hands because I loose it with my phone in somewhere. Parking lot or something.Why they can not help people? On the phone he said 7-10 business day to wait. For what???? Payments canceled. What a shame

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-23
Company: Experian Information Solutions 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 am disputing the following accounts listed on my credit report. After receiving a letter stating I was a victim of Identy theft I found the following accounts reporting.

XXXX XXXX XXXX Fraud Account XXXX XXXX XXXX this is not my account I never had a account with this company.

XXXX XXXX XXXX I have no knowledge of this account XXXX XXXX XXXX this account is being reported as authorize user I never gave any consent to be added to anyone 's credit I have no knowledge of this account please remove it also XXXX XXXX is reporting the same way I do understand how someone else credit card is reporting on my credit report without my consent.

XXXX XXXX is a collection account I have no knowledge of this account I have disputed this account with the company as XXXX XXXX XXXX is also reporting a collection account on my credit this account also is being disputed as Fraud I am request it to be removed from reporting. 
I have also attached my FTC please see attachment

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 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-09-27
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My account with TD Bank kept getting {$15.00} fees charged to me. After I contacted the management they informed me that if I kept over {$100.00} in my account there would be no fees. charged. I spoke with the manager at the XXXX MD branch and they reversed one of my three {$15.00} fees. The very next day after my account was credited they took another {$15.00} from my account on XXXX. They said no matter how much money I put into my account they would take another {$15.00} from me. It's automatic. The reason my account dropped below {$100.00} was due to them taking out the fees. This is a never-ending cycle. I lost over {$45.00} from their aggressive bank practice.

Company response to consumer: Closed with explanation