BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-08
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: Account status incorrect

Complaint:
I am a victim of identity theft. For the past 12 months, I have sent multiple letters to the 3 credit bureaus ( XXXX, XXXX, Transunion ) with no luck. 

As of XX/XX/XXXX, My credit report shows inaccurate information. 

My SS, driver license information was illegally used to open multiple unauthorized accounts under my name. 

My bank ATM/Debit card was cloned/stolen and was used for unauthorized transactions on multiple occasions. 

For this reason, I was forced to change my cell phone number, close all my bank accounts, notify the IRS, all credit bureaus, and notify the respective authorities. 

I did not authorize any transactions on rafter this date, and I did not authorize anyone else to use my ATM/Debit card in any way. 

I am notifying you, according to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my lost or cloned/stolen ATM/Debit Card and unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. 

I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : List of unauthorized transactions. 
I am attaching a copy of each of the following documents to this letter : 1. A  copy of my Identity Theft Report which includes : my FTC Identity Theft Report IRS Notice CP01 Police Case/Report I am requesting that you remove this information from my credit report. 

Please also notify me in writing of the results of your investigation or if you have any questions regarding this notice or my requests. 

As applicable please send me written confirmation that you removed this information from my credit report. 

Account Number : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  Current Creditor : XXXX XXXX XXXX Balance : {$0.00} Account Number : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Merchant : XXXX Original Creditor : XXXX Current Creditor : XXXX XXXX XXXX, XXXX Balance : {$0.00} Account Number Ending In XXXX File XXXX Creditor : XXXX XXXX Current Creditor : XXXX XXXX XXXX, XXXX. 
Balance : {$0.00} Account Number : XXXX Original Creditor : XXXX XXXX XXXX Current Creditor : ( XXXX ) XXXX   XXXX XXXX A DIVISION OF XXXX, XXXX Balance : {$0.00} Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Status Transferred, closed. 
Status Updated XX/XX/XXXX Balance : {$0.00} Thank you for your help.

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 2023-03-30
Company: Selene Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PROBLEM SUMMARY : I paid {$7000.00} as an advance " Escrow '' payment for the entire XXXX calendar year ( {$590.00} per month x 12 ) on XX/XX/XXXX. After the payment was processed I was informed that it could not be applied to cover the Escrow for XXXX without refinancing my mortgage loan. I declined to refinance the loan and requested a full refund of {$7000.00} in XX/XX/XXXX however " Selence Finance '' will not refund my money. I have spoken to 5 or 6 representatives and filled out the appropriate paperwork at least 3 times and was told I completed the paperwork successfully however my money has not been refunded. The representatives will not allow me to speak to their supervisor or anyone in management to resolve this issue. 

DETAILS After making numerous calls to " Selene Finance '' and speaking to different " Representatives '' in XXXX and XX/XX/XXXX regarding paying my " Escrow '' in advance for the entire XXXX calendar year and being informed of the necessary steps to take, I moved forward on XX/XX/XXXX and made an " Escrow Payment '' ONLY of {$7000.00} designated as funds targeted to cover all 12 months of " Escrow '' for XXXX. This amount equaled a monthly " Escrow Payment '' of {$590.00} per month for XXXX thru XX/XX/XXXX. As of XX/XX/XXXX the payment completed processing and showed up on my account as an " Escrow Payment ''. However I received a communication from Selene Finance in the middle of XX/XX/XXXX that my " Mortgage Payment '' would increase in XXXX to cover a projected XXXX shortfall of {$840.00}. When I requested that the money be taken from the {$7000.00}, I was informed that my " Escrow '' could not be paid in advance for XXXX unless I restructured my mortgage loan which would require a refinance of the loan. I declined to refinance the loan and requested a full refund of {$7000.00}. 
A representative gave me instructions to fill out the appropriate document which I did. After the form was processed I called " Selene '' and a representative verified that it was completed properly and told me the money would be refunded in 7-10 business days. This didn't happen. When I inquired why my refund hadn't occurred a " Selene Representative '' told me I needed to repeat the process so I repeated the process a 2nd time with no results and inquired again about my missing refund. A representative instructed me to repeat the process ( a third time ), which I did and got the same results. I have made at least 10 calls and spent several hours trying to resolve this issue unsuccessfully. I have repeatedly asked to speak to a " Supervisor '' or someone in " management '' and no one will patch me through to management. I am at my wits end. 
Please help me to get my {$7000.00} refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I recieved a debit card and also 2 sets of checks from TD Bank for accounts I never opened. I don't have any accounts with TD Bank! I notified TD Bank and they said the accounts were closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10
Company: EQUIFAX, INC.
State: SC
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/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 46 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 46 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
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: Account status incorrect

Complaint:
XXXX XXXX XXXX WAS PAID IN FULL IN THE AMOUNT OF {$24000.00} ACCT # XXXX DATE OPEN XX/XX/2014.

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 2017-09-14
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I found XXXX XXXXXXXX XXXX on my XXXX XXXX report. I do not recognize this company or ever having done business with them. Under Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: BARCLAYS BANK DELAWARE
State: ND
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 been the victim of Identity Theft twice in the past two years. I am an emeritus professor of economics, semi-retired, currently living ( temporarily ) in XXXX, but with close ties and citizenship in the United States. 

My credit record has always been flawless and I have never missed a payment on anything! However, my FICO score today is only XXXX. It had always been very high before this sudden string of identity theft incidents, all occurring within the United States.. 

I reported the problem to XXXX, and after two months of continuous communication, they sent me very positive results. However, they left the addresses and some traces of the fraudulent actions in my record. It also appears that they have not reported this problem to other agencies, as I believe they are supposed to do. Perhaps that is the reason why my FICO score remains so low today. 

I appreciate any help you may offer. Thank you in advance. 

Sincerely, 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 2020-07-07
Company: Flagstar Bank, N.A.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
FlagStar Bank has already placed my loan in forbearance, which simply means that from XX/XX/2020-XX/XX/2020 ( 6 months ), should I be unable to pay, I will not experience any late fees or negative credit reporting ( any pay by phone fees will also be waived during this time ).

But I received a letter from Flagstar, which stated " As of the date of this letter, we have not received the monthly payment for the loan listed above and your account is past due. The total amount due is {$1700.00}, which includes late charges. If we do not receive the total amount due before the end of the month, your account will be in default and may be reported to the credit bureaus as such. This type of delinquency may negatively impact your credit scores and your ability to obtain credit or other services in the future. 
PLEASE DON'T DELAY. To avoid default on your mortgage obligation, call us today at ( XXXX ) XXXX, Monday-Friday XXXX XXXXXXXX XXXX ET to arrange payment before the end of the month. The longer you wait, or the further you fall behind on payment, the harder it will be to find a solution. " Don't know why Flagstar sent letters to threaten the customers to pay mortgage after they placed loan in forbearance program. Under CARES Act, You will not accrue fees, penalties, or interest beyond the amounts already scheduled or calculated based on the terms of your mortgage.

The CARES Act also protects you from some negative information on your credit report because of any mortgage relief or assistance related to the COVID-19 emergency. During the period covered by the CARES Act, the CARES Act requires your mortgage servicer to report your account as current if your account was current at the time of the forbearance and if you meet the terms of your mortgage relief ; or if your account was delinquent before the COVID-19 emergency, to maintain the same delinquent status. If you bring your account current during the forbearance, your mortgage servicer must report the loan as current.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid 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 purchased a XXXX card and loaded {$500.00} on the card. I opened the package, and the glue inside holding the papers to the card would not budge, so I had to use my key to get it off, and in doing so I scratched the stripe on the card, and I also scratched on of the 3 digits included int he CVV code. I called their customer service number super frustrated, but they were able to replace the card and stated they would mail me one out. They did, but when I got my card there was over {$92.00} missing out of mt {$500.00}. I live in XXXX, AZ, and the charges were all in the state of Colorado. Apparently my original card was still active, and I was told not to toss it, so I still have it. I activated my new card and called their customer service department. I held for over an hour and a half only to be spoken to with disrespect, and a lack of empathy. I do not understand how they can get away with this. After researching their company, I found tons of customer 's who have been through the same. I was told to mail in a dispute form and pictures of my DL just to get my money back. I am doing that, but I am filing this complaint to ensure this company does what is right and research this claim and loads my funds on to my working card 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 2021-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a checking account with Capitol One, and my job has already sent my direct deposit to them, they have not deposited it in my account, nor do they know where my money is. I have direct deposit with another bank with a set amount, my direct deposit has already been deposited but nothing from Capitol One.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I received an alert from XXXX, a free credit monitoring service, stating that a company, XXXX XXXX XXXX, pulled my credit report. I did not recognize the company name, nor did I recently apply for credit or services with them. So I immediately contacted Experian and disputed the matter. Experian said that only XXXX XXXX XXXX can request for deletion of the disputed inquiry. They suggested that I contact the XXXX XXXX XXXX. 

On XX/XX/XXXX I called the company to speak with the owner or manager. The person who picked up the phone by the name of " XXXX '' ( not sure if that was really her name ) refused to give the phone to the manager. She insisted that I told her what the call was about. So I told her that I was calling regarding my credit report that their company obtained without my permission. She asked for my name and then she said, " Oh I ran the credit because you applied for housing with us in XXXX, and in XX/XX/XXXX you told us to keep your name on our list. '' Suddenly I realized that this woman was the woman who took it upon herself to run my credit without my authorization. 

My response was, " My authorization was good only in XXXX when I applied for housing with your company. It did not give you the permission to run my credit report anytime you want. '' XXXX was very defensive and she just kept on saying, " But you wanted your name to remain on the list. '' Then I said, " Requesting to have my name remain on your list does not mean that you have my authorization to run an inquiry on my credit anytime you want! '' The woman did not acknowledge mistake. She was just defensive and trying to convince me that she did not do anything wrong. 

Bottom line, XXXX did not allow me to speak with the manager of the company, and this is the reason why I would like CFPB to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
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: Their investigation did not fix an error on your report

Complaint:
I have been letting Transunion know that the accounts for XXXX XXXX & the inquiries on the identity theft report are not mine & need to be deleted. I keep getting the run around and items still reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX Credit Acceptance Corp. Canceled auto payments that had been reoccurring since XX/XX/XXXX for payments on a vehicle loan. I was not contacted or notified for two months. In XX/XX/XXXX once contacted I talked with a credit Acceptance Corp employee via telephone. I explained no payment should be missed because of the authorized auto payments that were set up to endure the length of the entire loan. She investigated the issue and told me verbally that yes it had been canceled by them and she stated she thought that was strange. However, if I did not pay 11??  ..dollars that my vehicle was already in repo. On principle and what I believe to be repetitive criminal business practices I cooperated with the repo. 
Upon credit acceptance auctioning the vehicle and including what I paid into the loan they made roughly XXXX dollars on a vehicle window priced at XXXX. Considering their shady practices I consider it a win for them. Yet, they have me in collections for an additional XXXX. 
This company has many negative reviews on XXXX, XXXX and I assume with your organization as well. 
Attached is a letter from credit acceptance stated that I had canceled via XXXX XXXX. I had no idea it even went through XXXX XXXX. What good sense financial institution would use a middle man to due transaction outside a bank. It would be much easier for a simple man like myself to call my back to end payments. 
Perhaps they use XXXX XXXX to allow for the gap to make these claims. I have heard that XXXX XXXX only runs two years of autopay continuously then it has to be reset up. I guarantee. Credit Acceptance not only knew this but uses it to reclaim and resell cars. 
Even if it was accidental the contract I signed authorized autopay for the entire 48 month duration of the loan and I never canceled the payments and never missed a payment. They canceled it or knew through all their previous dealings with XXXX XXXX the policies and procedures of XXXX XXXX to the extent they failed to notify me of such so that I could have avoided this mess and still have my vehicle that I loved! 

Thank you for you time.

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 2019-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Transunion decreased my credit score by16 points on XX/XX/2019 for no valid reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: FORD MOTOR CREDIT CO.
State: TX
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 am an XXXX  and won a car for winning the 2018 XXXX XXXX  of the Year competition in XXXX, as well as a XXXX XXXX. 
I ended up upgrading to a XXXX XXXX, so this car is very memorable to me and my son ( single mother ). I have communicated with Ford Motor Credit regarding my difficulty in paying the car notes via telephone on numerous occasions. They allowed me a deferment of two months during COVID and no extra help since then. I called back to let them know that I was displaced out of my apartment due to a carpet beetle infestation and had to spend over {$3000.00} trying to remedy the situation myself. On XX/XX/XXXX I made my last payment ( see attached ), missed XXXX due to unable to live in my apartment ( bot flies have infested my skin from my apartment and I have fighting an uphill battle with expenses in general. My account representative with Ford Credit instructed me to at least pay something, which is what I did on the XXXX, didnt post until XXXX. I also made a payment the previous month on XXXX ( see attached ). Yet, XX/XX/XXXX it was taken back without any concern. I have a XXXX XXXX called XXXX and now I dont have a car at all!!! When I called today on XXXX to figure out what I owed, I was told by Redemption that I had to pay it off to get it back in the amount of {$28000.00}. I cant afford that as an XXXX? I have a son at home and this is an emergency state we are in. Please help.

Company response to consumer: Closed with non-monetary relief