BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent Bank Of America a letter onXX/XX/XXXXand I am requesting that someone please investigate the matter ASAP.

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 2022-05-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification with Select Portfolio Servicing ( SPS ). I used XXXX XXXX XXXX ( XXXX ) as my mediator. I have been trying to find help for over 10 years. XXXX contacted SPS in XXXX of 2021. My interest rate would change from 4 % to 8.85 % in XXXX of 2021. My monthly payment would go from {$1100.00} to {$1900.00}. 

Plus I have {$100000.00} in back interest due from my loan with XXXX who sold the loan to XXXX XXXX. The cause of back interest is related to the loss of my job and my wife 's job due to XXXX ( as descibed below ). 

My wife and I refinanced the mortgage XXXX years ago to pay for her XXXX XXXX XXXX XXXX  XXXX. The refinance was with XXXX. This is all prior to the XXXX XXXX XXXX. I stayed at home with my wife during her XXXX for over a XXXX year period. I was XXXX XXXX XXXX months after my wife XXXX I did not find a job for XXXX years. 

In XXXX of 2021, XXXX spoke with SPS to put my mortgage into forbearance. My credit score dropped from XXXX to XXXX by XXXX because SPS did NOT report to the credit services/bureaus that I had was in forbearance. 

SPS offered to keep my loan interest at 4 % if I rolled the {$100000.00} into the total loan of {$310000.00} ( value of house is {$210000.00} + {$100000.00} ). If I accepted the offer XXXX would be paid {$6000.00} for their services. I refused the offer. 

XXXX then offerd to do a forensic audit for {$4700.00}. I paid for the audit and an expert witness statement. They found that there are illegalities with the processing of the mortgage exchange beteeen the various finance companies. XXXX believes that I can use the forensic report as leverage to negotiate with SPS or to sue the finance companies. 

What I want/need : someone to review the forensic report, if their findings are accurate, I want to file a lawsuit against XXXX, XXXX, and SPS finance companies regarding all the misconduct and possible predatory loan practices involved. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: CITIBANK, N.A.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My CITI credit card company has not refunded the following fraudulent transactions totaling {$130.00} which occurred while I was out of country on vacation. I notified them prior to the travel vide travel notice reference # XXXX dated XX/XX/XXXX. 

XX/XX/XXXX : XXXX - XXXX XXXX XXXX XXXX CA - {$57.00} XX/XX/XXXX : XXXX - XXXX XXXX XXXX XXXX CA - {$75.00} The last 4 digits of the credit card account number are XXXX. 
Here 's what I did so far : 1. Mailed written request for dispute via USPS certified mail dated XX/XX/XXXX. 
2. Called the customer service in XXXX to follow-up on my case and was informed that nobody has looked into my case yet. 
3. Called the customer service for a 2nd time in XXXX and after 2 hours on the phone a representative said they would look into it and did not provide a time line for resolution. 

It has been 3 months since I initiated the dispute.

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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX Acct. # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US 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 2020-10-04
Company: TCF NATIONAL BANK
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
OnXX/XX/XXXX I refinanced to loans from TCF to XXXX. XXXX sent two checks to TCF. TCF cashed both checks but only paid off one loan. I have contacted TCF multiple times but they have not paid off the loan. I have requested a time of resolution but can not get a straight answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: BARCLAYS BANK DELAWARE
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I disputed two charges made with my Barclays Bank Delaware Credit Card to a marketing service company called XXXX for a total of {$3300.00} and Barclays failed to perform the chargeback even though I provided Barclays with sufficient explanation and evidence showing that XXXX was conducting unfair business practices ; making false statements about me accepting their terms and its no-refund policy ; and ultimately failing to deliver the benefit I paid for. 

I paid XXXX  {$3300.00} ( one charge for {$3100.00} on XX/XX/2019 and one for {$170.00} on XX/XX/2019 ) in advance for 32 video testimonial posts by XXXX XXXX on their XXXX   pages to be seen by their followers to promote the sale of my product ( the XXXX XXXX XXXX XXXX  : XXXX ). XXXX advertises and claims on the home page of their website ( XXXX XXXX XXXX ) : The content created on XXXX converts audiences to paid customers. 

I received zero ( 0 ) video testimonials I am entitled to a full refund for the total of {$3300.00}. To date, XXXX has issued only a partial refund of {$670.00}. 

I am also entitled to reimbursement of {$1500.00} worth of lost product shipped ( AND {$240.00} lost shipping and handling fees ) to XXXX that kept the product and did not post or were not approved to post as a result of not meeting content approval requirements. 

PLEASE ATTACHED UPLOAD DOCUMENT FOR FULL DETAILS AND SUPPORTING DOCUMENTS

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: BARCLAYS BANK DELAWARE
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022 I ordered a rental car through the XXXX website for an upcoming trip to XXXX, Hawaii on XX/XX/2022. I never input any credit card information into the reservation, but I did have a XXXX issued credit card through Barclays still active. On XX/XX/XXXX, I called XXXX to cancel the reservation due to my doctor 's recommendations that I not take a very, long flight at that time. I was told that the reservation was not able to be cancelled as it was non-refundable. I offered to present a doctor 's note that I was unable to make the trip for health reasons. I asked to dispute the charge since it was such a short time from original booking. I was told I couldn't dispute the charge because the charge wasn't on my credit card yet. I asked that my XXXX Barclays credit card to be cancelled at that time. I thought that was the end of the situation. The following month I received a bill from XXXX Barclays for {$400.00}. Once a credit card is cancelled charges should not be allowed on the account. I called Barclays to dispute, they told me to call XXXX. XXXX told me to call the local car dealer to dispute. All parties were unable to resolve this issue despite multiple attempts on my part. Now it is 4 months later and I am being charged interest for a service that was never provided. My credit score has been effected too because of this. I have excellent credit history with a XXXX XXXX over XXXX most months. Subsequently, my credit has dropped XXXX points. I would like to question the unscrupulousness of said company and request that an inquiry be made into their fraudulent business practices that effect the consumer negatively.

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 2023-01-30
Company: Westlake Services, LLC
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am a natural person and federally protected consumer. On XX/XX/XXXX XXXX XXXX committed grand theft & and stole my XXXX XXXX XXXX in connection to a consumer credit transaction that was entered into on XX/XX/XXXX. This transaction was PAID IN FULL by my SSN and signature pursuant to 15 usc 1602 ( l ) .There is/was no consideration ( 12 cfr 1026.4 ) ( 15usc1640b ) given by XXXX XXXX in the creation of this fraudulent loan only an implicit attempt to extort an exorbitant amount of money from yet another uninformed, unsuspecting consumer. No loan of purchase money was ever given to me by XXXX XXXX only an extension of MY credit. Because this pertinent information, as well as ( 15 usc 1638 ( a ) ( 2A ) ( 3B ) ( 5 ) ) disclosures of amount financed, finance charge and total payments was never given, I have been charged continuously over the last 4 years for extra fees, late payments and repossession fees, all of which should have been included in the finance charge. My rights have been violated over and over from the start by XXXX XXXX. And here I am after loan maturation as of XX/XX/XXXX, out of over {$16000.00}, currently without a vehicle with a clear and free title, and in jeopardy of losing my job due to my vehicle being stolen and held for ransom. A {$4500.00} cash down payment that was said to be required as a condition of acceptance paid by me was already accepted and added to the total sale price as part of this fraudulent contract ( violation of 15usc1605 ( a ), 15usc1692.806 ( 1 ) 807 ( 2 ) ( a ) ( b ) ). XXXX XXXX is alleging I owe another {$2000.00} of which {$1500.00} must be paid to redeem my car or it will be " charged off ''. Documentary evidence will show the original contract with only my signature and none from XXXX XXXX, the entire package of documents given to me at the time of signature at the dealership, as well as my payment history with XXXX XXXX. This is an URGENT matter as they are holding my car hostage. I just want and need my vehicle back free and clear of any liens, my account status reflecting Paid in Full and on time, and either my down payment or twice the finance charge back pursuant to 15usc1640. There was never any debt associated with this consumer credit transaction. The debt only arose after being mislead into signing this fraudulent contract.

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: CA
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:
My name is XXXX XXXX, a federally protected consumer and natural person, I'm aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX XXXX XXXX  Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX XXXX XXXX Account Number : XXXX 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 4. Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX 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 5. Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX 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 6. Account Name : XXXX XXXX XXXX Account Number : XXXX 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 7. Account Name : XXXX XXXX XXXX Account Number : XXXX 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 8. Account Name : XXXX XXXX XXXX Account Number : XXXX 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 2022-05-03
Company: Experian Information Solutions Inc.
State: TN
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:
To whom it may concern, In accordance with the Fair Credit Reporting act XXXX Account # 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
XXXX, GA XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXXXX/XX/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 2022-05-03
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 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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
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, XXXXXXXX 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 or 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 2019-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 have repeatedly disputed this account, the charges that led to the charge off and ultimate attempts at collecting this debt are a result of identity theft. Capital One continues to validate this debt and mark it as Dispute Resolved with the Credit Bureaus, even though they have ceased collection activities and the collection account was removed from my credit. IF THEY REMOVED AND CEASED ACTION ON THE COLLECTION ACCOUNT WHY DOES THE ORIGINAL ACCOUNT STILL SHOW ON MY CREDIT? Why am I being punished by FRAUD!! No one else must repeatedly dispute an account, my friends have told me a simple phone call usually suffices with Capital One, why do I have to write them and send it certified mail and incur more expenses? What makes my case any different from the other people who have had Identity Theft issues?? I feel like my rights may being violated in so many ways. The FDCPA and FCRA are very clear on what YOU must do in this event I am requesting yet again that you DO YOUR JOB! And delete the following account IMMEDIATELY, as per my rights under federal laws!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX 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 2022-10-07
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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  XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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