BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-06
Company: DISCOVER BANK
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I received an email from Discover Bank stating if I didn't contact them by XXXX ET that {$4000.00} would be wire transferred out of my savings account. Thinking it was a scam I didn't call the phone number on the email, instead I looked up their number on the Discover Bank website. 

I was informed at that time ( before XXXX ET ) that there was indeed a {$4000.00} wire transfer request. After several security questions Discover realized I was in fact the owner of the savings account. They stated that they would stop the wire transfer. I was given a new Savings account number and my savings balance was transferred to the new account. Apparently, around the same time, the scammer was also on a call to Discover, I guess verifying the transfer. 

I took action and put a security freeze and fraud alert on all the credit agencies. 

On XX/XX/XXXX, I found out the transfer was made when I checked the Discover Bank website and noticed my account was missing {$4000.00} ( {$30.00} transfer fee ). I talked to the Discover Bank fraud department ( " XXXX '' ) on XX/XX/XXXX. I was told by someone at Discover that the {$4000.00} would be back in my account within 7 to 10 days. 

I reviewed a new credit report and the scammer 's address was now on my credit report. 

I emailed, called-left a message, and emailed again the XXXX XXXX Police Department. No response as yet. 

During this time ( XX/XX/XXXX - XX/XX/XXXX ) I've received several emails and phone calls from Discover only to realize the scammer is still in contact with Discover and the scammer has been able to change passwords and change security answers. She was also able to change my new verbal password! No one was supposed to get through if they were unable to provide the verbal password and the scammer was able to change it!!!! 

I checked my savings account online everyday. When the time had passed I called again and they said it just takes time. 

Kept checking my account, no changes, called back several more times. On or about XX/XX/XXXX the Discover rep said it takes time, they are waiting for a response from the bank recipient. While the representative wasn't exactly rude, his tone and things he said made me feel that I may never get the money back. 

I talked to the Discover Bank fraud department rep " XXXX '' today ( XX/XX/2019 ) and was told that the {$4000.00} wire transfer was not covered, basically telling me I may never see that money again. 

I called XXXX XXXX 's consumer team and they referred me to the State Banking Authority and a message referred me to Consumer Finance. 

While not mentioned above, I will also be filing a complaint against Discover Card as my credit account was also compromised. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-04
Company: Klima, Peters & Daly, P.A.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Due to financial hardships, I decided to turn in a car I could no longer afford. The car was returned to the lending company and an agreement made to pay monthly payments in the amount of {$50.00}. A few months into the arrangement, I was asked to increase my payments. I refused because I did not want to agree to a payment I could not afford. Therefore I continued making payments until XX/XX/2019. In XXXX of 2019 the company stop accepting my payments. My online account was disabled and I was told by a collection representative that payments were no longer being accepted and they were pursuing another means of collecting the payment. I tried for several weeks to speak with a supervisor. I was talked to in a very unprofessional manner from several representatives to include the supervisor. I asked for statements and records of my account and was never sent that information. In XXXX I received an email from my HR department notifying me of a garnishment for this account. Days later I received a letter from the company about the garnishment. I attempted to appeal the decision and make several settlement offers but each offer was denied and countered with an amount not much less than the balance this company claim I owed. I've since attempted to offer a settlement but again was countered with an amount not much less than one of the balances this company has reported I owed. The amount the company says I owe is always higher than the amount reported to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Specialized Loan Servicing Holdings LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
HELLO, I HAVE BEEN WORKING WITH SPECIALIZED LOAN SERVING FOR 2 YEARS TO GET A LOAN MODIFICATION. MY HOME HAS BEEN IN FORECLOSURE SINCE XX/XX/XXXX. I SUBMITTED ALL THE REQUIRED DOCUMENTS FOR THE MODIFICATION. I DIDNT HEAR FROM THEM UNTIL A COUPLE DAYS BEFORE THE SALE DATE WHICH FORCED ME TO HAVE TO FILE BANKRUPTCY TO SAVE MY HOME THE FIRST TIME. MY BANKRUPTCY WAS DISMISSED, I AGAIN STARTED THE PROCESS OF THE MODIFICATION. I ALREADY HAD ALL THE DOCUMENTS EXCEPT THE UPDATED BANK STATEMENTS THAT I OBTAINED, AND SUBMITTED AGAIN. MY HOME DID NOT HAVE A SALE DATE WHICH MEANT I HAD ENOUGH TIME TO GET THE DOCUMENTS SUBMITTED, AND A DECISION. AFTER WEEKS OF WORKING WITH MY POINT OF CONTACT PERSON I WAS TOLD I ONLY NEED 2 DOCUMENTS WHICH I SENT OVER THE SAME DAY. I FOLLOWED UP 2 DAYS LATER TO BE INFORMED THAT THERE WAS NO WAY THAT THE LOAN WOULD BE APPROVED DUE TO THE TERMS OF LOAN. MY HOME DID NOT HAVE A SALE DATE WHILE IN THE PROCESS I RECEIVED A SALE DATE THAT ONLY GAVE ME 2 WEEKS TO GET THE MODIFICATION DECISIONED. I WAS TOLD THEY NEED 37 DAYS. WELL IF YOU GIVE A HOME A SALE DATE WITHIN 21 DAYS HOW WILL YOUR EVER HAVE 37 DAYS TO REVIEW THE INFORMAITON? THAT IS FRAUDLENT, AND UNFAIR TO THE PERSON WHO IS TRYING TO SAVE THEIR HOMW. I HAVE WORKED 2 YEARS ON GETTING MY LOAN MODIFIED TO FIND OUT 4 DAYS BEFORE THE SALE OF MY HOME THAT THERE WAS NO WAY FOR ME TO QUALIFY. THE MORTGAGE SERVICER SAID SHE WOULD LISTEN TO ME AND ENTERTAIN ME WHILE I CRIED IN DISBELIEF OF WHAT I HAD EXPERIENCED. SHE THOUGHT THAT THE SITUATION I WAS IN WAS ENTERTAINING AND AT ONE POINT LAUGHED. I FEEL THIS IS AN UNETHICAL PRACTICE WITH MORTGAGE SERVICERS NOT BEING TRUTHFUL, AND LEADING YOU ON, AND FURTHERMORE GIVING YOU THE RUN AROUND WHILE YOU ARE TRYING TO SAVE YOUR HOME. I AM FACING FORECLOSURE ON XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: FIRST UNITED BANK AND TRUST COMPANY
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Lost or stolen money order

Complaint:
XXXX of this year I had a bank account checking account ( XXXX ) closed with first United Bank and trust XXXX XXXX Oklahoma XXXX anyways I had done a job for a gentleman long story short you know paying me with a cashier 's check from a XXXX bank anyways I deposited the check on the XXXX of XX/XX/2023 ( it was credited it was credited to my account I left it in there for as long as the bank teller told me to. But anyways as soon as I withdrew a cashier 's check worth {$2100.00} the bank proceeded to call me and tell me that it bounced now I just don't understand that because that machine that they run it through should have caught it right away like I've seen scam checks go through the bank and the bank never credits the account if it's a scam check so my my whole argument but this is why was it in the green why was it credited to my account if it was fraud? First United Bank and trust company XXXX XXXX has been very rude threw this whole ordeal I do construction I don't deal with money like that you know I did a job somebody paid me I deposited it and I spent the money of course it's not my job to catch a scam it's the bank 's job I mean really when you get down to the nitty gritty the bank gets the money from me and any other individual that does business with them so I just I would like this whole deal cleaned up and fixed so I can open a business account and get a business loan and continue my life thank you very much that's all I've got to say if you need my input for anything else you have my credentials

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: MD
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:
I reviewed my Consumer Reports and noticed that I had a late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Account # XXXX Late Payment 30 Days XX/XX/2020 Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
TRANSUNION ARE REPORTING ALL OF THE ITEMS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME AND I HAVE REACHED OUT AND ASK THAT THEY BE INVESTIGATED AND REMOVED. 

XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Finance ) XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX NA ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Home shopping ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  ( XXXX ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXXXXXX 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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 


Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2018-03-09
Company: Navient Solutions, LLC.
State: VA
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:
XXXX XXXX XXXX cards and XXXX XXXX XXXX XXXX   Account Number : XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXXto XX/XX/XXXX and they were aware.

Account Number : XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, I was on chat and the representative agreed to delete my late payments per me being laid off during the times and my husband death.

Car Loan : ACCOUNT NUMBER XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX Can you please contact all 3 credit bureaus to have this removed and a new report sent to me.

Also on all three credit bureaus Navient and XXXX reported me late on XX/XX/XXXXto XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX but my loans were in deferment and forbearance they lost paperwork and per them failing to update previous info., they are in violation of Section 623 ( a ) 2 ) of the FCRA . I have contacted them on 4 seperate occasions. I would like those late deleted.

Also, I would like the original signed copy of every loan that is on my report if this can not be provided, remove all of all credit reports.

Thus I am filing this with every credit bureau and need you assistance because the credit bureaus have ignored my request on 4 occasions and have failed to supply requested documents or verify within the 30 days time frame. 



Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: ALLY FINANCIAL INC.
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or about XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX for {$10000.00}, financed through Ally Financial. A XXXX XXXX XXXX, XXXX : XXXX. The vehicle was repossessed on or about XX/XX/XXXX. 

A dispute letter has been mailed to Ally and XXXX XXXX disputing the full amount of {$10000.00} for vehicle that Ally is requesting me to pay. Because the vehicle has been sold, I should not owe the full amount. Allys account number XXXX. 

In addition, after the vehicle was repossessed, I did not receive any notices, and after the vehicle was sold I did not receive anything showing what the vehicle sold for : below is what I should have received from the financer, but I did not receive anything. 

1 ) Notices should have states that they have the car in their possession and that the car will be sold to recover the amount owed ( this is called the Notice of Sale, which I did not receive. ) This notice should have been sent to me within ten days of their possession of the vehicle. Since they did not provide me with this information they can be barred from collecting on a deficiency judgment. 

2 ) After the vehicle was sold the lender then is required to send me a second notice, stating the amount that they credited me from the resale, as well as a cancellation notice of the original sales contract. 
Additionally, there were GAP Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the Ally states I own. 

Additionally, there were GAP Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the Ally states I own. 

When a finance company finances a vehicle then repossess it, they can not collect all of the money on the vehicle what it was initially sold for. Once the vehicle is sold, the finance company must provide proof the vehicle was in their repossessed and proof the vehicle was sold and how much the vehicle was sold for minus the initially sell of the vehicle. 

It is unfair to collect all the money of a sold vehicle and then ruin a person 's credit for seven-years from a vehicle that is sold.

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 2023-04-14
Company: Experian Information Solutions Inc.
State: IL
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Bridgecrest Acceptance Corporation
State: FL
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:
I purchased a car with XXXX and used their preferred finance company, Bridgecrest. I decided to refinance my loan with my XXXX XXXX XXXX XXXX about 3 months later, in order to save on my monthly payment and rate. The loan was funded by XXXX XXXX and they sent my payoff to BridgeCrest. On XXXX I looked online and saw that my loan was paid in full with BridgeCrest, so I called and requested a payoff letter. They advised me that they could not provide me a payoff letter until 10 business days after the check they received from XXXX XXXX. Being that they had recently received my payment of {$530.00} on XXXX, i asked about the over payment refund, the representative advised me that any overpayment will be refunded to my after 10 business day. So they will continue to charge me a per diem for the next 10 business days, which is XXXX per day, even though they show my loan as paid off online as of XXXX. This is not only unethical, the customer is defrauded by their deceptive practices.

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 2023-04-14
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:
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 XXXX bank XXXX account # XXXX credit XXXX XXXX XXXXXXXX : account # XXXX XXXX XXXX : account XXXX XXXX XXXX : account # XXXXXXXX XXXX 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 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 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 2020-01-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts are fraudulent : XXXX XXXX XXXX - {$190.00}

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 2018-02-12
Company: BARCLAYS BANK DELAWARE
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Initial application for XXXX XXXX XXXX card filed on XX/XX/18. 

Message received on XX/XX/XXXX to contact issuer for additional data. Spoke to Barclays on XX/XX/XXXX and was told that the credit report freeze I had placed with XXXX would need to be lifted for the card application move forward. 

Contacted credity agency and had freeze lifted and credit report was received by the card agency. 

Was then referred to their identification component as the freeze would now require me to submit additional identification proof. I was instructed to send them a copy of my driver 's license as well as a copy, front and and back, of my Social Security card. I agreed to the D/L copy but would not agree to photocopy my SSN card as doing so is in direct contradiction of current Social Security Administration guidance as noted in POMS RM XXXX and asked for an alternative document that could be used. 

The response was that there are no alternatives and that refusing to supply the data would result in a denial of my application. 

Requiring the submission of a copy of a document that the issuing agency suggest should never be photocopied is inappropriate. Either agency instructions should be altered or the credit card company should be required to provide applicants who wish to follow agency guidance with alternative. 

The tracking number for my applcation with Barclays is 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