BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I recently traded in my XXXX XXXX for {$10000.00}, and financed for a {$25000.00} XXXX XXXX XXXX. The finance manager financed for {$22000.00} and added unauthorized GAP and protection package. The lender stated that on their end it looks like I did not put down a deposit for the car at all. I called the finance manager almost daily and left messages requesting the added packages be cancelled, and to discuss why the loan amount was so high. He never returned my calls until I threatened legal action via small claims. He finally sent the cancellation paperwork for me to sign, but never sent any follow up or confirmation. He refused to discuss the loan amount and laughed when I said I have rights. He spoke to me in a very patronizing way while attempting to further manipulate me into a deal I did not want. While handling my paperwork he " disclosed '' that his mother passed away the week before. This is a tactic used to distract and manipulate. He also asked me to meet up for coffee the next day to " finish up paperwork ''. When I finally got in touch with him, after over a month of attempts, he stated that he had been on vacation because of his mothers death. Excuses and manipulation to avoid accountability and responsibility. 

The XXXX was also sold to me with a bad battery that I had to replace out of pocket a month to the day I bought the XXXX. The battery was over 5 years old and the dealership just changed the sticker on it. The dealership put in writing that they would refund the cost and have yet to do so. When I call, the sales team members refuse to transfer me to the manager and they are often very aggressive and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
All three credit reporting agencies are reporting an incorrect balance on my credit card. The balance on my XXXX XXXX XXXX XXXX XXXX has been approx. {$13000.00} for several months. The agencies are reporting a balance of approx {$19000.00}. They corrected the inaccuracy couple of months ago, only to return to the incorrect reporting of the $ XXXX+ figure a couple of weeks later

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. Equifax are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am requesting that my credit report dispute be reviewed. This is the 3rd attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reporting inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. 

Please do not delete my credit report as this is a request to correct certain error on my credit report that I am pointing out to you. 

I take my credit report status very serious as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. 

Please review and correct or review and delete the inaccurate information asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX Account Details Account status Closed Type Mobile Home I have never had a mobile home nor manufactured home. This account is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio they made an agreement to settle my account yet they are still holding a balance on my credit report I've deputed the charge yet they report late charge off charges I've sent the credit bureaus copy of money order and proof of settlement payment yet it's still reported on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023, I mailed Resurgent Capital Services L.P/LVNV Funding LLC an initial letter requesting full debt validation of the alleged debts in question : Account # XXXX, # XXXX, # XXXX, # XXXX ) via Certified Mail. Resurgent Capital Services L.P/LVNV Funding LLC received my initial letter on XX/XX/2023. After XXXX days, I did not receive a response from Resurgent Capital Services L.P/LVNV Funding LLC , so I mailed my second letter requesting full validation for the alleged debts in question again via Certified Mail on XX/XX/2023. Resurgent Capital Services L.P/LVNV Funding LLC received my second letter on XX/XX/2023. After waiting for an additional XXXX days, Resurgent Capital Services L.P/LVNV Funding LLC failed to send their responses. 

On XX/XX/2023, I received a letter from Resurgent Capital Services L.P. stating that the alleged debt was placed in their prelegal collection track on XX/XX/2023 and will soon be reviewed for further action and may be forwarded to an attorney to review for possible lawsuit. I have never received any correspondence for my previous requests for proper debt validation of said debt from Resurgent Capital Services L.P. and now I am being threatened with legal action when this company has yet to properly validate alleged debt ( s ). Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify the alleged debt ( s ). I enclose copies of my requests to the collection agency, asking them to validate these alleged debts, and the receipts showing that I sent these letters certified mail. These debts are not mine and I was given no evidence of my obligation to pay this debt to this collection agency. As a consumer, it deeply concerns me that, despite my written disputes and the absence of proper debt validation, Resurgent Capital Services/LVNV Funding LLC has continued to report these alleged debt ( s ) on my credit reports as of XX/XX/2023, which is considered a collection activity, according to 15 U.S.C. 1692g ( b ). This persistent reporting constitutes a clear violation of the FDCPA and is causing me significant distress. I do not know who Resurgent Capital Services/LVNV Funding LLC is, nor have I ever done business with them or been lent any money by this agency for me to owe such alleged debt ( s ) nor do I agree with these alleged debt ( s ) on my reports as I never signed anything with such agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To whom it may concern, I have been banking with Bank of America for close to 3 years.

I have requested my claim to be looked at 3 times now, all 3 times they have closed, and not paid me back.

Two transactions of {$500.00} equaling {$1000.00} have been FRAUDUENTLY deducted from my checking account from XXXX  to bitcoin. 
As I explained to the first and second representative I spoke with I woke up Friday XX/XX/2021 to {$1000.00} GONE. 
Someone hacked into my XXXX  account and withdrew 2 {$500.00} payments from my checking account to my XXXX  account, put it into Bitcoin than immediately withdrew the funds.

I wrote XXXX  support to report it I got absolutely no help they gave me the run around. I called my Bank ( Bank of America ) who is SUPPOSED TO SECURE and PROTECT my account.

I did not get any alerts asking if I approved this transaction, nor any phone calls verifying if this was my transaction. I am very upset with the service I have received thus far.

MY FAMILY AND I HAVE BEEN FINANCIALLY AND EMOTIONALLY AFFECTED BY THIS FRAUDULENT activity that my bank ( bank of America ) did NOT PROTECT ME FROM.

From what I have been told the reason for denial was- 1 : Due to my account not being drained- it literally was, my deposit was {$1000.00} on XX/XX/XXXX. 
If there was enough in there for the scammers to pull another {$500.00} than XXXX sure they would have taken that too. 
2 : 2nd reason was because I used XXXX before- OF COURSE I HAVE USED XXXX! 
But! NOT FOR BITCOIN. I have sent an attachment to the bank of all transactions I have made through that app and it CLEARLY showed that NEVER have I purchased from Bit coin.

Also as you can see in the screenshot these people transferred the balance immediately out of Bitcoin.

I need my HARD EARNED MONEY Refunded now!!! 

As soon as I get this resolved I am closing this bank account with BANK OF AMERICA. I refuse to be treated as though I dont matter. 
I have called and asked for help multiple times and this bank clearly does NOT value their card holders. 

If I need to go the legal route trust me I will as I will not let some fraudster take MY hard earned money that i work hard for to support my FAMILY.

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 2023-08-05
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage holder ( Mr. Cooper Nation Star ) did not pay the homeowners insurance through the escrow account that is in place. I was notified from the insurance company ( XXXX ) that my policy was not enforce due to non-payment and i needed to make a payment to keep it that way.. I contacted the mortgage company they said they no longer accept them because their rating had dropped. They failed to inform me with a letter and admitted they found no evidence of sending me a letter. They have accepted that insurance for the last few years. The policy is a fair price with great coverage from a reputable company. It is getting more difficult to obtain homeowners in California and the price is doubled if not tripled to get some. They were the ones who dropped the ball by not informing me and giving time to find comparable/fairly priced insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started an online application for a loan through XXXX bank but then called to clarify whether they finance manufactured homes and found out they do not so wanted to delete my application. I erroneously started a new application in an effort to delete the current one. 

I have asked M & T 8 times ( 7 time by email and one phone call on Friday, XX/XX/2021 ) to please stop sending multiple email per day and now followed by multiple calls to finish my application. On the call, the M & T I advised that she will remove me from the the solicitation '' list yet the calls and email continue and I find this extremely harassing 's and a form of predatory lending and

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 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
1. ) I have requested it in writing with appropriate identification that they remove. The fraud alert that they are reporting on my credit report. They have refused to remove it.

2. ) they refuse to remove addresses that I am not nor have ever been associated with and specifically XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-11-12
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
We called Chrysler Capital to get the payoff for my wifes 'XX/XX/2019XXXX XXXX. We were told to remit a cashiers ' check from our bank in that amount and have it sent next day certified mail, which we did. The cashiers ' check arrived 2 days later and was credited to our account that night. Two days later we checked again and saw the same thing and that our account was paid in full. 

Three weeks later all credit reporting showed the account was still not paid. Got back online to Chrysler Capital and found that the cashiers check had been credited then removed from our account three days later. No email was sent, no letters received, no calls from Chrysler Capital. We called them and got the runaround that we never made a payment, then the check was made our wrong, then that our bank ( XXXX XXXX XXXX XXXX ) denied the check, which per XXXX XXXX, is not true, as a cashiers ' check is seen as cash. No one from Chrysler Capital contacted our bank, and we verified that the image of the check was correct with routing and account numbers. 

So now, until i can wait out the time until XXXX XXXX considers this a lost check, I am out {$18000.00}. Chrysler 's advice? Send them a personal check in the same amount. This is ridiculous and bordering on the criminal. It doesn't help that Chrysler Capital allows no payoffs more than {$2900.00}. I'm disgusted. And from what I have seen online, they probably should have been investigated before this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: EQUIFAX, INC.
State: AR
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 am writing to file a complaint regarding inaccurate account on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected : 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 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 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 2021-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I already have disputed the inaccurate information and not even to receive a response back. There are names that do not belong to me and inaccurate information reporting on my credit file. Is anything going to be done??

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My ex spouse took a lease and i had nothingTo do with and XXXX already deleted the loan from their report and my TransUnion and XXXX to follow suit.  I need this deleted rom all reports.

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 2023-11-18
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not consent to nor benefit from the following inquiries on my consumer report : XXXX XX/XX/2022, XXXX XX/XX/2022, and XXXX XXXX XXXX This is not a duplicate complaint. Do not close this complaint without a proper investigation.

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 2021-02-28
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged fraudulently twice the same dame by XXXX on XX/XX/2020 for two different amounts for the same rental we vacated because the advertised lake access from the property was not attainable because the property tram to the late was broken. We spoke to XXXX the area manager that promised a full refund. Only one of the two charges was refunded and the other discounted as a sham transaction. Citi failed to properly ascertain what transpired and has reported against me to the credit bureaus improperly and continues to send me billing. I understand XXXX does this type of fraudulent charges regularly.

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 2023-09-30
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
On XXXX  XX/XX/2023 by way of recorded conversation I was informed by a Wells Fargo Preservation Representative that XXXX XXXX was wrong for putting my residence on the Sheriffs Sale list on XX/XX/2023. However Wells Fargo is refusing to contact them to confirm this issue. Despite them yet claiming that my residence is no longer in Foreclosure. Then I receives an email from Wells Fargo claiming that theres an issue with the Title. Well prior to getting the first month Trial Payment they knew there was an issue with the title. Concerning my step father XXXX XXXX committing fraud with forgery on the note.

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 2022-01-12
Company: Flagstar Bank, N.A.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I started the process to remove my mortgage PMI on XX/XX/21 with FlagStar Bank after they sent me a C-4 Annual Notice PMI disclosure - steps to remove it. I've lived in my home three years, made extra payments, made significant improvements, home values have increased, on-time payment history. I followed the steps sent to me by the lender by sending an email to initiate the request to " XXXX '' On XX/XX/21, I received a letter detailing next steps and requesting a check for {$150.00} to complete a home valuation. That was completed and an onsite home valuation was completed XX/XX/21 by a broker- XXXX XXXX. He had a XXXX hour turn around to report his findings, get paid for his services and confirmed to me on XX/XX/21 it was done. Out of his hands. 

My letter said I'll be notified within 30 calendar days after we receive property evaluation. Well, as of XX/XX/21- they haven't received it. 

I called FlagStar Bank XX/XX/21 for status update and they said there was a note as of XX/XX/21XXXX XXXX XXXX  didn't have an update on the home valuation. FlagStar said it was out of their hands. I need to wait more time - first call said 30 days - from the home valuation. 

I've done everything I can do and it seems like my request to remove PMI is unnecessarily delayed for unknown reasons, everyone is saying it's out of our hands and I can't get a proper status update. Feel like someone has dropped the ball.

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 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
" Equifax computer systems were struck by a cyberattack that may have affected about 13 million U.S. customers from XX/XX/XXXX-XX/XX/XXXX. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' According to Equifax, my information may have been compromised.

Company response to consumer: Closed with explanation