BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-19
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, Money was being fraudulently withdrawn out of saving. I stated to bank that car was broken into and my money, atm card, and other personal item was stolen. I even gave them the police report for car being broke into. 
I never received a fraud alert or monthly bank helping my be alert of withdrawals until it was to late. Only bank statement I received were for XXXX when I realized money was being taken from me periodically. 

Bank denied my dispute. How can someone steal money from you and bank dont not want to 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 2021-12-09
Company: Avid Acceptance, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
My car was repossessed on XX/XX/2021. I was given until XXXX before it would be taken to the auction. I went to my lawyer to have my bankruptcy amended to include the car because I wanted to retain the car. I went to my lawyer on XX/XX/XXXX to begin the process. My lawyer was very negligent in answering my phones calls and keeping our appointments. I let Avid know that my intention was to keep the vehicle. I was told by several of their employees that they would note my account and assist me as much as they could. Their bankruptcy department was also negligent in responding to my calls and texts as well. I was still being told the car was not at the auction. My lawyer submitted the necessary paperwork on XX/XX/XXXX. Avid still was not communicating. Even after the car was taken to auction I still attempted to get it back but they said they couldn't reach my lawyer.

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 2018-10-04
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My car, a XXXX XXXX XXXX ( XXXX ) was paid off since XXXX this year to TD Bank. I make the call to receive the car title and they told me it was going to take a couple weeks to receive it. Since then, I have contacted the bank several times to get the car title but nobody told me that there was anything pending. They confirmed several times the vehicle was paid off but the title was just taking long. After months passed, we ( My Husband and I ) decided to sell the car and requested once more the title from the bank but this time they told us we have to pay the dealer fees that were pending. Never in the past had they communicated this to me, nor do they sent any papers about missing fees! I told them to send me a bill of the pending charges through mail or fax, they Bank told me they were going to do it, but never did. I have requested a couple more times to send me proof of the pending charges so I can make the payment but they havent provided any bill, statement, or proof that something is still remaining/pending on the car to this date. I am unable to sell my vehicle because the bank refuses to send me the car title even though it was already completely paid off. I have financed other car in the past and consulted with friends and family, but they have never heard of dealer fees being paid separately after the car was already paid. Bank hasn't sent any documentation at all so I'm unable to attach any. Also I am unable to access my online account because they closed it when the car was paid off ( last payment confirmation number : XXXX on XX/XX/2018 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I sent a complaint to this company for furnishing items unlawfully on my consumer report. I have not heard from this company, and they continue to furnish items that violate my rights as a consumer. 18 U.S Code 1341 Frauds and swindles. This company has no regards for federal law. I have accumulated multiple violations on this company 's behalf. Including 18 U.S Code 1028A aggravated identity theft, 18 U.S Code 872 Extortion, 18 U.S Code 880 Receiving proceeds of extortion, 18 U.S Code 1972 Racketeering, 28 U.S Code 4101 Deformation of character. That's not to mention the FCRA and the violations this company preformed by sharing my information without my consent.

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 2017-04-18
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed a public record for removal on  XXXX   XXXX ,   XXXX   online, in regards to  XXXX  bankruptcies on my credit report that was not factual, and I received a response for both public records that they completed the request on  XXXX   XXXX ,   XXXX  . According to the FCRA Rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it s tates that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 8 days after the dispute, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this public record display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for the public records. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: GCFS, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
A renewal of judgment was filed, after tXXXX XXXX XXXX XXXX  years and payments totaling over XXXX}, XXXX the balance owed is {$XXXX}. Yet a letter was mailed stating the outstanding cost of {XXXX}, but the total balance is {XXXX. Another letter was mailed stating it was $ XXXX. 

XXXX practices of depriving ones rights, without due process of law are their inconsistency of practices by denial of the adequate opportunity to be heard, by improper serves Denial to disclose the original contract or if it is written they are authorized to continue accruing interest of the charged-off debt. 

XXXX does not provide monthly or periodic billing statements to validate their claim so, you never know the account status. Other than as I learned when they go to sue you again after XXXX years. 

Their statement and motto as written : The life of a California judgment is XXXX years. 
It is our policy to renew our judgments every XXXX to XXXX years indefinitely. Is intimating and convoluted form of harassment. 

XXXX has taken the same practices as XXXX XXXX, by being a third-party collector. I am not sure they are able to collect on top of interest. XXXX should have been included with the XXXX XXXX lawsuit. Because they are XXXX XXXX under a different name and collections practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: CL Holdings LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX has filed a suit in court but has not contacted me about any debt I owe them, I will answer the suit but they should come with the contract. I have never entered into a contract with XXXX XXXX a debt buying company. I am asking for them to verify debt with the original contract with my signature. They have failed to verify or notify me of said debt but have proceeded to file suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Nationstar DBA Mr. Cooper has unethical accounting practices to attempt to mislead the courts when a client files a Chapter XXXX bankruptcy repayment. I have been attempting to resolve a matter related to an accounting error in a ledger Mr. Cooper shares with its local attorneys at XXXX XXXX since Fall XXXX. it appears that every three to six months this error in a ledger just continues to pop back at XXXX XXXX to increase fees and attempt to misleading everyone reviewing the finding. I have had to file several complaints with the Consumer Financial Protection Bureau ( CFPB ). Anyone reviewing the complaints will see that Mr .

Cooper has only provided attempts at misleading information to favor them. Just be advised this company knows which states to pull these misleading practices. Review fines paid to the CFPB over the last 10 years, It has been investigated and noted that the accounting system for Mr. Cooper does not accurately account for most bankruptcy repayment cases. See ledgers. 

If compared Mr. Cooper 's attorney could have this matter corrected asap. But it appears that misinformation and additional fees are what both parties want. I have provided receipts dating back to XX/XX/2019. Still, no one at XXXX XXXX or Mr. Cooper is willing to correct this error in accounting. Please compare the realigned ledger with the ledger emailed by XXXX XXXX. You will see that one incorrectly placed line in an excel ledger can cause cascading errors in accounting. 

It is important for all bankruptcy repayment plan clients to review their statements in fine detail for accounting errors and additional charges. 

Attachments : - realigned payment sheet - XXXX reply letter XXXX - XXXX XXXX XXXX ** Please note this response letter was sent to my attorney 's office after I requested the status of correction of errors in the ledger. ** Please review my complaints with CFPB for Mr. Cooper at least two have gone unanswered ( even after 6+ months ) and at least four other attempts to provide misinformation that does not compare with the audio recording of the Mr. Cooper bankruptcy department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: LEXISNEXIS
State: VA
Product: Credit reporting 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.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The company is Synchrony Bank. I just had a mix of store cards and open loop cards across XXXX plus accounts, closed today. On the phone with them I wasnt given a reason. I have XXXX late payments, every single payment has been on time across all accounts. All accounts, save one, just received limit increases. If this is an algorithm, then why give an increase and then close the account? I have less than XXXX XXXX dollars combined I just put on a few cards, so its not a utilization or payment history issue. Ultimately, I would love to have the accounts reinstated at their current limits, with no more company interference on these accounts until an actual issue arises. Paying off the accounts should not be penalized by closing the accounts, especially after receiving increases across the board. I am good enough for an increase with high limits but not good enough to keep the accounts??? This has happened to several people, good and poor Credit scores alike, high and low limits alike and is a very predatory tactic, poor algorithm logic and not a single person to actually check the computer on its logic is insanity. The only reason there is a arbitration clause in their contract is to protect them from a class action lawsuit they would most certainly get if otherwise.

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 2022-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I was awarded money from XXXX that took over a year because issues with them and account created already after a year state of NJ helped me get XXXX for XXXX back dated with amount of XXXX. The card issue from bank of America never able to work or use called bank security questions when answer with my answer timed out I then as instructed went to bank of America with 2 forms id. Spoke with XXXX told XXXX was available. A new card would come in mail new card received and during activation I was then routed to live person after speaking with them I again was told new card frozen go back bank. After 5 times after the 2nd card my account still remained frozen and told contact sponsor. XXXX told me not them call bank multiple calls with bank of America to XXXX with no status change money never able access. Last check I received XXXX tax year with XXXX left and XX/XX/2021 was last payment. I'm still XXXX over a year outside not able get emergency housing or assistance because they see the amounts never able to access. Also state help XXXX not able to help with housing shelter. I've suffered loss of money pp ersonall items and XXXX heyh grately affected by this. Please help me the efforts from XXXX and now state legislature very emotionless with end of most calls sate I'm sorry and will pass this email on to higher ups. I not only. Read that issue from bank frozen accounts was fined by state and that a review for people effected and proven true money was set for claimed people over year I've slept outside XXXX by people in my community. I think fair my money plus XXXX suffer XXXX XXXX XXXX done

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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 writing this to inform that this account is reporting false and inaccurate information and needs to be removed by law immediately. This account is showing 3 different last active dates which is false and inaccurate, against the law. Also showing last payment date false information. This account is also showing false information for the last reported date. This account needs to be removed immediately or I will continue this investigation. THIS ACCOUNT ALSO SHOWS 3 DIFFERENT DATES FOR ACCOUNT OPENED. THIS IS AGAINST THE LAW. 

Account # XXXX Account name. XXXX XXXX LAW 15 U.S.C. 1681x 15 U.S. Code 1679c

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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, account XXXX XXXX acct # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX 15 U.S.C . 1681 Section 602 A states I have a right to privacy 15 U.S.C. 1681 Section 604 A section 2 It states a consumer reporting agency can not furnish a account without 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 2017-04-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Inaccurate Information, no d ocumentation received, company agreed in writing they would delete and has not been done. paid accounts are showing as late payments, old accounts continue to be reported and they are paid and closed and are more t han 7 yrs old.   XXXX  is the worst they wont delete anything or respond to inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will XXXX XXXX XXXX XXXX  and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. 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 2022-07-19
Company: Google Compare Credit Cards Inc.
State: FL
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 bought a XXXX XXXX XXXX for online shopping and added to my XXXX. My XXXX was hacked and the money was spent at google play. I checked all my google play accounts and nothing. I then asked for the stolen money to be refunded and google denied my claim and failed to provide me with google play account info it was spent on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: EQUIFAX, INC.
State: PA
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:
Hello, I come to you yet again in the hopes that you will actually do your jobs and hammer these XXXX XXXX XXXX  XXXX credit bureaus. Sorry for the aggressive language but I am XXXX tired of having my life XXXX  because people don't do their jobs!!!! 

The Following collection Amounts were ALL PAID IN FULL OR SETTLED FOR DELETE. EQUIFAX AND XXXX  ESPECIALLY HAVE NOT UPDATED A XXXX THING. I AM TRYING TO GET A XXXX  XXXX MORTGAGE AND NEED IT DONE ASAP!!!!!! 

XXXX  XXXX {$120.00} paid in full for XXXX XXXX XXXX. {$170.00} Paid in full for Delete XXXX XXXX. Original {$450.00} Settled for Delete XXXX. Was {$150.00}. Settled for Delete There should literally be NO COLLECTIONS on my reports anywhere anymore. I PAID AND OR SETTLED EVERY SINGLE ONE OF THEM FOR DELETE.!!!!!! GET THEM THE XXXX OFF NOW! PLEASE!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to bring to your attention the unresolved issue concerning late payment accounts on my credit report. Despite previous attempts to rectify these discrepancies, they remain unaddressed. The ongoing issue with late payment account remains unresolved, causing concerns and potential financial repercussions. I kindly request a thorough review and prompt resolution of these issues to ensure the accuracy and fairness of my credit report. Your immediate attention to this matter is greatly appreciated. 


XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation