BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I paid the settlement offer on this account on XX/XX/2018. They will not close the account or updated the XXXX balance to the account.

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 2023-02-07
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I did not apply for any credit cards, and had hard inquiries on the following : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 


15 USC 1681 section 602 states i have the right to privacy.

15 USC1681 section 604 A section 2 : It also states that consumer reporting agency can not furnish a account without my written instructions.

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

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 2023-02-13
Company: Comerica
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
1. XXXX charged my DirectExpress account for {$99.00} XXXX XXXX, XXXX and when I complained, XXXX promised a refund and said refunded. Then they recharged card again on XXXX XXXX, XXXX. I tried to do a dispute with Direct Express and could get no help. They just canceled the card and mailing a new card but not fixing the problem. Direct Express says they are open 24/7 but consumers get nobody to help.

Tried to dispute 2 transactions and nobody answered when Direct Express cancel3d and ordered new card 2. XXXX XXXX XXXX sold a policy over the phone to me in XXXX XXXX. I am XXXX and deaf on phone. They charged me on Direct Express a monthly bill of XXXX which I immediately tried to cancel with XXXX XXXX XXXX and Direct Express. I am being billed again by both Direct Express monthly and can not stop it because nobody from Direct Express is accessible to dispute and XXXX XXXX XXXX is inaccessible. I am on XXXX, XXXX, XXXX State of Colorado long-term XXXX and can not afford private life insurance. I was confused by the agent, did not understand because of my deafness. This billing from XXXX XXXX XXXX needs to stop and a refund issued regarding a policy number XXXX immediately to me based upon XXXX XXXX XXXX defrauding an XXXX XXXX XXXX female. 
Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I believe Wells Fargo fraudulent created and implemented a false Forbearance agreement on my mortgage then sold the mortgage to a servicing company.

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 2016-09-09
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I own a condominium, which is a rental ( it is currently rented ). The XXXX mortgage is owned by Ditech. 

A little history : When I purchased the condo in 2002 ( before husband and I were married ), I financed it through Ditech, before they were taken over by Greentree. They were incredibly efficient, and I never had an issue with them. Fast forward a few years, they were taken over by Greentree, and THEN the problems started. I have paid our mortgages ( for our rental, and our own house ) every two weeks, on the days we get paid, for years. I send a 1/2 payment, which helps our finances run smoothly, AND I send a little extra, so the full payment is always a little extra. Well, when Greentree took over the old Ditech, I started receiving these snarky notices in the mail stating my account was past due, and my statements reflected I was over 30 days behind. I thought, good grief! Has my trusted credit union wronged me? I double checked my payment history on my credit union 's website ( I pay everything online ). All payments were sent, exactly when I scheduled them, AND the money was deducted from my account. 

I contacted Ditech and asked what the heck was going on with my account. They explained, that since I paid my bill in partial payments, the incomplete payments were placed in an " unapplied funds '' purgatory. What they failed to do, was post these unapplied funds to my account in a timely fashion, so I wound up in the hell- fire land of late fees and phone calls demanding payment. 

I thought this situation was pure comedy. Was this happening??? Here we were, being super responsible, paying bills on the dot every two weeks, PAYING EXTRA, but they STILL put my account in the bad place. They claimed there computer system " could not process partial payments ... '' They literally said this. I freaked out. I did battle on the phone about once per month, to get them to APPLY my payments to my account. 

Fast forward again, Greentree was taken over by the second iteration of Ditech, and now this happening all over again. My mortgage is XXXX per month. I send {$400.00}, religiously, every other Friday. I checked their website, which clearly shows my excellent payment history, but when I clicked on the " details '' button for each payment, several of the payments showed in " Unapplied Funds '' meaning, they have literally NOT applied SEVERAL payments to my mortgage account, going back to XX/XX/XXXX!!! What?!?!?! And I am receiving these snarky notices again, that my account is past due. 


This whole thing is soooooo beyond frustrating. I hope you can help. 

The property address this complaint is related to is : XXXX XXXX XXXX # XXXX XXXX, CA XXXX Thank you! 
XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2022 the Bank of America closed my checking account with {$1900.00} in it. They said they would send in a special request to have it released, but it would take 3 days for approval. Today, XX/XX/2022, I called them again to get that money. Again, they said it would take a special request and I was to call them again to see when it would be released. To call them is to hold at 20 minutes each time and I want my money!

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 monetary relief
Consumer complaint received 2019-08-30
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
For over 15 years, I have been a TD Bank customer, the past 9 years I have been living and working in XXXX, GA. Prior to that I had a visited branches in NJ, NY and ME. 
For the past 5 years, I have only used TD Bank online and have not been into a TD Branch as there wasnt a branch even remotely close to my Georgia address. 

In XX/XX/XXXX, I moved abroad ( XXXX, XXXX ) with my Company, and received a new mobile number and am now at my new address. 

I am experiencing the following issues : - The online system does not recognize the computer Im logging in from, and requires a text with a code be sent to my disconnected cell phone number in order to authenticate the login credentials ( user ID and Password ) that Ive been using continuously these past years. As Im unable to validate my credentials using my old cell number, TD Bank will not allow me to log into my account. 
- When I call the Customer Service Center I am asked to provide my Branch Password, it has been explained to me that this is the password I use at the branch I go to, I explain that I havent been to a branch in years and am told that the only way I can unlock my account, change my phone numbers, update my address or really accomplish anything is by going to a branch. I have escalated this up to a supervisor multiple times and am told different things each time, but it always ends with I have to go to a branch. 

Since XX/XX/XXXX, TD Bank has locked me out of my accounts, with no way to regain access other than to visit a branch on the XXXX XXXX of the United States. 

I dont plan to travel back to the United States until the Summer of XXXX, even then I will only be on the XXXX XXXX without access to a branch. 

Please provide instruction/direction on how to regain access to my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: DISCOVER BANK
State: NC
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:
Discover has been dragging my dispute out since XX/XX/2020, which they have made a final conclusion on XX/XX/2020, despite incontrovertible evidence showing that the merchant was paid twice and was supposed to refund the amount back to my card ; in other words Discover was supposed to credit back the amount that was charged to my credit card by the merchant because the receipts showed that my company had paid the merchant ( XXXX XXXX ) for my stay. To give more clarity, this was a 'paid by other means ' dispute for which I had to prove through documentation that the merchant was paid twice. I provided said documentation by sending XXXX   receipts which showed the account it was paid out of, the merchant it was paid to ( XXXX XXXX ), and the date/time it was paid which also outlines it was the same day that my credit card was charged. I had followed up every other week to check on the status of this dispute and every time I spoke with a representative I was told a supervisor would give me a call within 72 hours. Some representatives gave a slightly different narrative and said a supervisor would call me within 24 hours, or 48 hours, and even in some cases I was told they would get back to me within a week. 5 months later and I was still waiting on a phone call. They have been ducking and dodging me for the past 6 months now while I've been struggling and diligently calling to push for a resolution because I had submitted all of the requested documents. When I was finally able to get a hold of a supervisor a few weeks ago, he had expressed to me that " if I was part of the back office and I had reviewed your case there would have been no question that I would have decided in your favor '', but unfortunately it wasn't his decision even though it should have been because he stuck to the facts of my case, and those facts are that I had sent in receipts and even had my company send a letter stating they had paid for my stay at XXXX  XXXX and therefore my credit card should have been adjusted to show a refund. It bewilders me that Discover would make a decision in favor of the merchant despite me providing proof for me case. It almost seems like Discover bank is in the business of protecting the merchants and not their cardholders nowadays. 

Anyway, I will attach all the documents and receipts below that argue for my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, 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:
My name is XXXX XXXX. I have attached my complaint and not put it here because I have figures to support my complaint that can not be attached in this area. Please see attached. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I recently opened a brand new Venmo account. My girlfriend sent me {$30.00} and when i tried to transfer it out Venmo said my account is frozen. I contacted them and they told me to send my ID and SSN. I do that and the answer i got was that my account is permanently deactivated and that the money ( {$30.00} ) will remain in the account and will not be released. How can they just steal money on a brand new account? its not making sense to me. What could i have possibly done to deserve that on a brand new account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-23
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I tried fixing this problem since XX/XX/2020 the " EXPERIAN '' did not do their job send them many requests and waited months.I had letter from " XXXX XXXX '' showing there are not reporting late payments for XX/XX/XXXX 2020.i am attaching letter as a proof from " XXXX XXXX '' I hope they fix this Chaos 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 non-monetary relief
Consumer complaint received 2020-10-23
Company: CULLEN/FROST BANKERS, INC.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing

Complaint:
I have gotten a check from frost bank in Texas and yes its real but I can find no bank close to me that do third party check far as me signing it over in my mom name or some one I know I dont care about the percentage of me being charged I just need my money before its to late and I cant cash my check I lost my ID, birth certificate, and social sercurity card now I dont know what to do until XXXX thats when my ID comes please help look around and see if its some where I can cash my check all I ask please I bag y'all please I went to almost every credit bank and still cant get it done its not right that I have a check and cant cash it when im way in XXXX XXXX , va and the frost bank way in Texas it should be a way this can be fixed some way and some how

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: EQUIFAX, 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:
The following accounts were never a past due, I never made a late payment on the accounts ever, change this, reverse the late payments I have a good relationship with these creditors. Not to mention they will not give me an explanation as to why they wont fix this erroneous inaccurate claim that has affected my credit score. CFPB please step up and fix this ASAP XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
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:
Notice for Proof of Claim Account : CREDIT COLLECTION SVCS XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The following payment history is reporting in inaccurate on all three credit bureaus every month cause a extreme effect on my credit 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 2020-12-06
Company: Continental Finance Company, LLC
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: Account information incorrect

Complaint:
Im going through a credit repair place that is making my payments for me and in XXXX and XXXX of this year the original creditor continental finance placed late payments on my report Ive called 3 times and disputed through credit bureaus nothing I keep getting the run around from them one person tells me I have no late payments and then another person tells me I do have them so I got the check numbers from my credit repair service XXXX  XXXX  XXXX for the 2 months XXXX check no:XXXX  they sent it out XX/XX/XXXX and it cleared on XX/XX/XXXX and XXXX check no:XXXX sent out on XX/XX/XXXX and cleared on XX/XX/XXXX and my payment date is the XXXX of every month for my account ending in 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