BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-18
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I setup XXXX to move money around XX/XX/XXXX or XXXX and put through a transaction to my nephew, who uses the same bank I do. Instead of his receiving the money right away, as advertised, it took three days. 

I called TD Customer service and was told when first setting it up, that's their policy. 

Today, Thursday, XX/XX/XXXX, I went to send money to my daughter-in-law, and found out she will not get the funds until Tuesday, XX/XX/XXXX. Making the service useless to me, and also not as advertised. 

Now, a person at the branch told me that the first transaction to a new recipient takes 3 days. That's not as advertised. Not as promised. And makes no sense at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Over the past 2 months I have sent 2 letters to the credit bureaus about accounts in collections. I asked for validation and original contracts for each collection. The accounts still remain and have not been fully validated.

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 2015-07-09
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX originated XXXX loans for this customer at time of purchase XXXX years ago and is currently servicing only the XXXX mortgage. The XXXX lien with loan number XXXX was sold to XXXX then to Aurora Loan Service which is no longer in business but their loans were transferred to Nation Star. I called Nation Star and they can not locate the loan at all. The customer has never had correspondence with the mortgage company and stated no payments were made on this mortgage. I would like to file a complaint against Nation Star Mortgage on the customer 's behalf and request that they release this XXXX mortgage lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Shellpoint Partners, LLC
State: PA
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, Shellpoint Mortgages Servicing, has violated my rights.

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment under an open-end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
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 XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Yesterday in XX/XX/XXXX. I contacted Columbia debt recovery genesis about a lease they said I owed money on for a rental back in XXXX XXXX. I explained to them I NEVER lived anywhere named XXXXXXXX XXXX XXXX they explained they had a contract showing I did so I asked to see that exact contract. The rep said XXXX XXXXXXXX XXXX  ring a bell? I said yes, but that this was not about XXXX XXXX it was about XXXX XXXX, he then told me that their customer service department must of messed up and put In a different code to link my debt to XXXXXXXX XXXX It was suppose to go to XXXX XXXXs. I said so it took you guys XXXXhree years and me fighting to have this taken off as no debt owed cause you put it to XXXX XXXX? He then stated that is was just a code entered wrong and they would go change the name on the debt. I said you cant do that! You cant just change the name! He said that I also moved out on XX/XX/XXXX of XXXX XXXX  but I moved out XX/XX/XXXX and was month to month I have the copy of the original lease. I asked for them to send me the documents they have and he said he couldnt cause that department was closed but that he was looking at the paperwork. Everything he stated was a lie. Then he accused my husband of staying at the apartments for 12 days leading up to XX/XX/XXXXXXXX I said my husband moved when I moved! He said it must be nice to have had someone pay your rent for those XXXX months. At that point I got upset as I was the one that continued to pay my rent. There was also a lease that was agreed upon by the regional at positive investments ( the company prior to XXXXXXXX XXXX taking over ) that ended XX/XX/XXXXXXXX XXXX XXXX They clearly took the lease that was originally voided that ended XX/XX/XXXX and used that one as a way to collect more money. There was a note on that lease stating that, that lease agreement was voided the one dated XX/XX/XXXX was the actual lease. Also my information was sold to this company and they are the original owner of any DEBT!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, 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 XXXX XXXX XXXX XXXXXXXX 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 ALSO, I am a victim of ID Theft which I can provide a police report to show this account is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, 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:
The Credit reporting agency : EQUIFAX is posting my " Personal Financial Information '' and transaction history without my written consent. This reporting has caused me " EXTREME FINANCIAL INJURY '' and continues to harm my ability to carry out my personal, family and household purposes. I have disputed their report recently and all I got back from their alleged investigation, that took more than 30 days, was verified! '' There is no explanation for this verification process ; as no one from this agency has communicated with me regarding this unknown process. Nor, who authorized them to violate my privacy by telling anyone, with an Internet connection, what Im doing with my private financial matters and who I chose to do business with. I want to know who is paying you to report this and where you are getting this information from? I now know that the Government states that you are not a government entity that has Federal Government approval from them to do what you do. Here are my demands : I want this agency to provide me with documentation of verified and validated proof of my LEGAL and LAWFUL obligation to pay what they are reporting on. A report stating verified is no longer acceptable to me, nor does it establish a LAWFUL response. You have 7 calendar days from the date of this submission to produce this documentation. Failure to comply with my demand in the time frame that I have set for you will result in Arbitration or Litigation in U.S. District Court. Your work hurts people and I will no longer abide by some company who isnt authorized by me to report anything on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: GOLDMAN SACHS BANK USA
State: NE
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 an old credit card account listed on XXXX as " APPLE CARD/GS BANK USA '' listed as " Open '' which is incorrect. The account was closed three to four months ago and I let XXXX know that it is being incorrectly reported as open when in fact it has been closed for a long time. This account was never reported as late or anything like that. 

XXXX verified within 24 hours that the account is indeed open, despite me sending a copy of a letter from the creditor, dated three months back, that the account is closed. I am not sure why they think the creditor letter 's lack credibility. I am not sure if they bothered to even read the letter I provided them from the creditor. It clearly states the account was closed. It was at my direct request. 

I submitted a second dispute with much of this information contained herein and called XXXX dispute department to ask a few questions to see if I can get this resolved correctly this time. 

The XXXX representative claims XXXX contacted the original creditor who verified the account was open. I do not believe this is truthful. He then stated I filed the wrong kind dispute the first time. The dispute was under category " account closed '' He said the second dispute was the right category. It's the same category both times. I question whether he even looked at the first dispute. 

He became argumentative very quickly after I pointed out it's essentially the exact same dispute a second time. It took several requests to have him let me speak with a supervisor. After holding for a while, the representative stated he can not wait more than five minutes and so I need to wait for a call back to speak with a supervisor. 

Given they can not be bothered with reading a letter in PDF format from the original credit, I doubt it even matters IF a supervisor even calls back. 

XXXX is blatantly violating the FCRA by not investigating a dispute that has obvious merit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 submitting this CFPB complaint to request that the Credit Bureaus remove the disputed Accounts and information that resulted due to identity theft. Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information that some Credit Bureaus provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Also, the Credit Bureaus have claimed that the disputed items are verified and are reporting accurate information on my Credit file. However, the Credit Bureaus have failed to send me copies of proof of verification or any documents bearing my signature. I am now submitting this CFPB Complaint to request that the Credit Bureaus remove the following disputed accounts and information completely from my Credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$510.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2100.00}

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 2022-07-25
Company: Global Lending Services LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX and was financed through global lending services. My son co signed the loan for me. I was told at the time of signing i would be on the loan to rebuild my credit. I recently found out i am not on the loan although my paperwork from the car dealership says so. i need global lending to add me to the loan so it reports me to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On or around XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX for 5  years at a very high interest rate of over 17 %. So I refinanced the loan with America first credit union. 
I recently checked my credit report and the account with XXXX XXXX is listed as CLOSED even though it was paid in full. 

On or around XX/XX/XXXX America First paid off the loan on my behalf with XXXX XXXX and refinanced my XXXX XXXX XXXX thru American First CU for 2 years. 

On or around XX/XX/XXXX I again refinanced the remaining year of the XXXX XXXX XXXX with XXXX XXXX XXXX XXXX. The loan was paid off in full by XXXX XXXX XXXX XXXX. 

Just like XXXX XXXX  listed the account as CLOSEDso did America First Credit Union listed the account Closed I have recently learned that closed accounts dings your credit reports big time. 

I have been on the phone with America First to change this but they insist the loan to them was not paid off by me therefore but closed out. I totally disagree with this because the loan between America First and myself was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
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:
The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX Balance : {$62.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00}

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 2022-11-07
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: Investigation took more than 30 days

Complaint:
According to my consumer report I received dated XX/XX/2022 and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX XXXX such authority.

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 2023-01-24
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
AMEX, my XXXX report states that I have 5 hard inquiries from you guys. I did not apply for an AMEX product in the last 3 years. Please send me a letter via mail to the address on my CFPB file addressing XXXX to have those hard inquiries removed please. 
Again, - XXXX wanted me to contact AMEX - Get AMEX to mail me a letter address XXXX to have those AMEX hard inquiries deleted, as they were not mine. 
- If possible, please expedite the mail. 
Thank you As on my credit report, the dates from AMEX were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-19
Company: Block, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Last year XXXX XXXX XXXX was merged into Cash App Tax. I tried to access it through XXXX XXXX, I was unable to and my data was shared with XXXX XXXX without my permission including personal identification information such as SSN and date of birth. I then tried to access my taxes through Cash App, however I am unable to. After verifying with a code to my email, the app asks for a code sent to an old phone number. There are no other options provided to access the account and despite already providing a code I am unable to log into the account. There is no option to contact customer support to assist. There is only a chat with a bot that provides the same response and does not connect to anyone representing Cash App. My Tax forms for previous years are stored with this company, I did not want that but the forms were shared by XXXX XXXX as a result of them " merging '' although now they claim to be XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I was informed inXX/XX/XXXX by Direct Express that a new Direct Express card would be issued for my Social Security account payment in XX/XX/XXXXXXXXWhen I did not receive the new card with my XX/XX/XXXX and XX/XX/XXXX Social Security funds, I called Direct Express in twice in XX/XX/XXXX. I was informed that my deposits were made and the documentation reflected several cash withdrawal, charges to department stores, Charges by XXXX and a variety of other establishments. Also, these charges were made in many Cities all over California and in the State of Georgia, which I have not traveled to at anytime as documented. I informed the representative that I did not receive the card or those funds and had to be an error or the victim of fraud. The representative informed me she would investigate the claim and issued a claim number. The amount of XX/XX/XXXX and XX/XX/XXXX Totaling XXXX contested. Direct Express canceled the alleged cards they had for me on file and issued a new card. The last card is active and I have recieved funds for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I received a response regarding my claim from Direct Express and was told they had determined that they had not committed in error and my claim was denied. I filed a escalation claim to Direct Express with the same request and the supervisor stated that the case was re-reviewed and the claim was denied again. They stated " no error was committed on their part ''. Also, they summarily stated the claim was denied and case closed. 
I filed a Police report at the XXXX XXXX XXXX Police departmentXX/XX/XXXXXXXX. 
I also submitted notarized signed documents attesting to my claim. 
As a XX/XX/XXXX citizen, working in the system since XXXX, I am insulted by their lack of support, interest and professionalism for my financial well being. As a result of their lack of and no apparent interest in a clear investigation, I am now in a financial bind with basic needs unmet, medical bills and emotional distress. I am requesting your assistance to help me resolve this matter and over turn their unprofessional findings, resulting in XX/XX/XXXX citizen abuse and neglect.

Company response to consumer: Closed with explanation