BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-12
Company: Credit Karma, LLC
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My complaint is with CREDIT KARMA MONEY SAVINGS ACCOUNT. This company fraudulently lies to their members and holds the members money by using an outdated federal reserve requirement as the excuse. First they only allow XXXX transfers a month from a savings account and blames it on the federal reserve. Next in order to get your money out of the savings account it states you must close your savings account but before you do that you must link an external bank account so once they close your account the balance will be transferred to the linked external account. They state the balance can not be transferred to your money spend account which is like your credit karma checking account. While linking your external bank account they use a company called plaid to do the linking. First plaid asks you to find your bank in a list of supported banks. In my case it is chime bank which is on the list. Then it asks for you login credentials for your bank account and then it links the two. When linked it states SUCCESS your accounts are linked press continue once pressed it says there is a problem linking and an error message is shown saying try again later. No matter how many times you try you get the same message. Contacted XXXX they said problem is not on their end must be XXXX XXXX. Contacted credit karma and they reply with instructions to try again and they are looking into it. Then they reply again saying that XXXX  is not a supported bank and I explained that plaid stated if your bank is not on their list it's not supported but chime is in their list and the bank account links up then error message. So contact them again and they ask for ne to take screen shots and send them to them and once you do send them all correspondence stops completely. So I call credit karma and tell them that they are wrong for holding people 's money in the savings accounts and wont let them do anything with their money and using false information to back their fraud up and I tell them about the federal reserve requirements being lifted in XXXX of 2020 and demand them to resolve ny issues and the customer service rep tells me she can close my savings account for me and transfer the balance to my credit karma money spend account. I told them they just went against all their policies and said they would do what they said they couldnt do to thousands of members. I have screenshots if all the proof of the chime bank being linked and federal reserve requirement being lifted and the credit karma message saying you are only allowed 6 transfers because the federal reserve only allows that many a month. Doing research on this I have found thousands of consumers on blogs and posts trying to get access to their .money only to be lied and cheated by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX Mr. Cooper Loan Number XXXX Dear Sir/Madam , I'm writing this letter to file a complaint against my mortgage company Mr. Cooper ( Nationstar Mortgage Holdings Inc. ) , as I feel I've been a victim of predatory business practices. 

I'm currently in XXXX XXXX bankruptcy. My mortgage and auto loan are not in the XXXX. Back in XX/XX/XXXX, I got 3 months behind and requested a repayment plan. My XXXX attorney wanted {$1000.00} to do this ; however, I didn't have the funds. So, she instructed me to deal directly with Mr. Cooper 's appointed lawyers ( below ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX ) XXXX XXXX I negotiated a repayment plan with them ( Please see attached email and Motion for Relief ). I signed the document and sent the document back. I agreed on making my regular mortgage payment, plus an additional payment of {$890.00} till XX/XX/XXXX to cover the past due balance, plus they added close to {$1500.00} in 'junk fees ''. However, a few months later, I had a lawyer review the document. She informed me that the paper I signed wasn't just for the repayment plan ; it also included that I waived my rights, and they could fast-track a foreclose. Neither my lawyer nor Mr. Cooper 's attorneys ever told me that -I was waiving my rights. If that had been cleared, I would never have agreed to the repayment plan. 

( I tried reading the document ; however, I must agree the legal language was beyond my comprehension ). I'm sure Mr. Cooper knows there is plenty of equity on the property, and I assume that's why they pulled a fast one to take advantage of my situation. 

In XXXX, I got approved for Emergency Mortgage Assistance through XXXX XXXX, CO ( please see the approval email and communication ). On XX/XX/XXXX, they mailed Mr. Cooper a check ( check number # XXXX ) through their bank for {$6000.00}. According to Mr. Cooper, they never received the check, which is untrue as according to the XXXX XXXX Emergency Mortgage Assistance Advisor ( XXXX XXXX ), Mr. Cooper not only received the check but also even cashed it. I've spent many hours with Mr. Cooper with no luck. Recently The XXXX XXXX Emergency Mortgage Assistance emailed and faxed Mr. Cooper a copy of the cleared check. As per Mr. Cooper 's representative " XXXX '' ( out of AZ ( XXXX ) XXXX ), she is going to request an investigation, and she couldn't tell me how long it would take. 

My take on this is Mr. Cooper intentionally did this so they could start a fast-track foreclosure ( as I mentioned earlier, how they duped me in signing ) as there is a good amount of equity on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
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: Investigation took more than 30 days

Complaint:
Hi I am XXXX XXXX submitting this 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. 

XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1600.00} XXXX XXXXXXXX XX/XX/XXXX {$27.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$570.00} 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 non-monetary relief
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was a victim of identity theft. I sent XXXX, TransUnion, and XXXX my FTC report on XXXX/XXXX/2022. According to 15 USC 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the 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 non-monetary relief
Consumer complaint received 2020-06-16
Company: TD BANK US HOLDING COMPANY
State: GA
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 am the XXXX of a XXXX XXXX XXXX XXXX  in XXXX, GA. I currently have around XXXX vehicles financed through various banks. All of these vehicles are on auto draft with these institutions and always have been. Recently, one of the vehicles was at final payment and for some reason TD did not auto draft the account for payment. 60 days later we received a letter in the mail saying payment on that vehicle was delinquent. My finance director contacted them and immediately paid off the balance. We reached out to their customer support and they confirmed that we did nothing wrong and that maybe because of Covid-19 something happened in their system. The customer service rep was obviously working from home at that time. He recommended we file a dispute through the credit bureaus and directly to TD. The TD dispute claim just came back and they are stating they are denying the claim - XXXX as of XX/XX/XXXX. I contacted TD today XX/XX/XXXX and talked to a customer service rep. They said that we were notified when we bought the vehicle back in XXXX that the final payment would need to be a check. This is absolute nonsense and should not be a part of any process. I don't even have the same finance director now that I did back in XXXX. 

This process is absolutely Predatory. I have not missed a payment for anything in over 15 years. I take the value of my credit to be sacred and one of the most important things in life. This one mistake on the part of TD Auto dropped my rating precipitously. The fact that a lower credit score rating directly benefits companies like TD Auto Finance should be investigated by the CFPB as a fraudulent practice meant to harm consumers and XXXX XXXX  like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: MARINER FINANCE, LLC
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:
Title loan/personal loan ( not sure at this point ) .. Paid off, called local office no balance, company changed names/mgmt from XXXX XXXX to Mariner Finance.. You cam and can tget anyone to answer their phones and forced to leave message on random general voicemail. Now all of a sudden it sen to collections by Mariner to Colection agency called 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 2022-07-22
Company: EQUIFAX, 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:
I submitted a complaint last XX/XX/2022 to remove : ( ), which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these items again. XXXX XXXX Balance : {$400.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$500.00} ; XXXX XXXX {$10000.00} XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX : {$750.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$460.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 6048 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166613 : A creditor may not treat a payment on a credit card plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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'd like you to remove negative information from my credit report that isn't mine. I have filed an Identity Theft Report, which I have included to this letter, saying that these accounts are not mine and that my identity may have been stolen. I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information!

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 2022-12-22
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX : Dear Sir or Madam/To Whom It May Concern, On Today I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported erroneously. In 2022 your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed in 2022 ( To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the negative items, as originally requested. Below are the items I am disputing. I never opened an affirm account. I never opened an XXXX account. I never opened an XXXX account. I never opened account called XXXX XXXX XXXX. Please update XXXX XXXX XXXX. XXXX we brought current so please update this asap. We updated XXXX XXXX XXXX XXXX with a loan modification/settlement. Please correct my credit report by law you must report correct information.

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 2018-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
When l checked my XXXX  Credit Report, l noticed that on XX/XX/2017 an unknown inquiry was made by BANK OF AMERICA which l have no idea about it.

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 2023-12-12
Company: Amsher Collection Services, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my Rights

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1800.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00}

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 non-monetary relief
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been struggling to survive like many Americans. With inflation, the cost of living, food, medical expenses - I have very little to nothing on a quite frequent basis. My personal checking at Wells Fargo was just closed d/t approximately- {$210.00} balance. Meanwhile, they send me a notice that they have collected upwards of {$1500.00} in overdraft fees from me this year alone. To know they have taken away more than what I make in a weeks ' time is beyond hard to overcome. They have constantly left me to suffer, my car nearly getting repossessed, me nearly becoming homeless all on account of their fees. I have called them crying and begging for some of the money back, even enough to just break-even but they constantly decline. I am absolutely outranged that my account has been closed over money to me that should be there. They imposed these fees sometimes XXXX per day of {$35.00} - for someone with my salary and needs there is no way to overcome that setback. To know that they closed my account for so little money, after taking so much of my hard-earned money was extremely disheartening. I even explained how I live XXXX states away from the closest branch/ATM to deposit cash into and still not a single person cared. I can not physically drive to XXXX XXXX from XXXX just to deposit money I hardly have, into an account that does not respect me and continues to drive fees at me. I nearly lost it all in my life.

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 2023-12-12
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
citi said I would need to provide a copy of a police report and a copy of this report.

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