BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-20
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My checking account was hacked and a total of {$1400.00} was fraudulently withdrawn from my checking account ..I made 2 claims, the claim # is XXXX for the lost {$1000.00} and bank records will show my claim of {$440.00} the day of the incident. I was told I would be given a provisional credit, to which I have not received. The bank closed the hacked account for security reasons and reopened another checking account. 

I am a victim of a crime XXXX from losing my purse. Funds from my checking accounts were stolen. I am facing a hardship and need my account credited. I am Requesting the rules and regulations concerning provisional credits and the time frame allocated for such credits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-07
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I got a loan for a truck in XXXX, XXXX. Even though I was told the truck was still under warranty, a warranty in the amount of XXXX was placed on the loan of the truck. During the first part of the loan, I attempted to use the warranty but no one would accept the warranty. When I informed the lender, no action was taken. In XXXX, after filing a complaint with Michigan XXXX, the lender provided me with a number regarding the warranty. I contacted them and sent a letter in getting it off my loan. It was XXXX XXXX, XXXX it was finally cancelled. they only gave me XXXX of the warranty. I know they do n't have any information because I was told I could change the billing date from the XXXX to the end of the month but later I was told it could not be done. When they contact me they always ask me the same questions, why am I am late and it is not in the records.

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 2022-11-11
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: Information belongs to someone else

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus 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 and delete this immediately : 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 explanation
Consumer complaint received 2017-11-16
Company: WELLS FARGO & COMPANY
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Initially filled a complaint on here about Wells Fargo keeping a check issued to me from my insurance company to fix my house. I tried to contact them several different times, at which point Wells Fargo responded that they were researching it. I now hold 7 letters from them, explaining that they are researching. However, on XXXX XXXX, XXXX, my home of 17 yrs was bought at foreclosure auction for XXXX by none other than Wells Fargo!!! The home appraised at almost XXXX. Plus they have my insurance check for almost XXXX .... 
Wells Fargo has become the worst mortgage/bank in America!! And after reading over comments on XXXX, they have foreclosed on many more houses, just like mine. If any other company got caught stealing like this, they would be in jail for embezzlement. Making up fake accts, stealing insurance checks, bad car repos ... I mean, when is someone going to investigate and make Wells Fargo stop these practices that are so illegal?????

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: U.S. BANCORP
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: Credit inquiries on your report that you don't recognize

Complaint:
Last week, on Wednesday, XX/XX/2019 this bank ran our credit - sought a credit report - and they were not approved to do so. 

We gave permission for XXXX and/or the local XXXX dealer to provide financing ; but did not authorize any other party or another third party to have access to our information/credit. 

XXXX XXXX XXXX in XXXX, OH gave these companies permission to run our credit, but we did not authorize that ; nor did we expect that to happen. 

We were told XXXX would be our lender, but I guess they couldn't match what our bank offered us and they looked and looked for someone that would ; but failed.

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 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Credit Bureaus had not responded to my repeated requests for them to fix my credit file by totally erasing the items brought about by the theft of my identity. The letter I sent on XX/XX/XXXX to the Credit Bureaus was already my 11th written appeal to the Credit Bureaus for them to take action and correct my Credit File. When I sent a copy of the FTC report, it was made clear that the credit bureaus are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending my complaint to help with organizing a legal response. I will give my records to my lawyer to start a legal action if the Credit Bureaus decide not to stop the other items listed below that are responding incorrectly due to fraud. If it's not too much difficulty, abide by the law because it's my intention to not pursue any legal activities. I need the following items removed now : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance {$6200.00} - XXXX XXXX Balance $ XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$15000.00} XXXXXXXX XXXX XXXX Balance {$19000.00} XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance - XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6500.00} XXXX XXXX XXXX Balance {$9700.00} XXXXXXXX XXXX XXXX Balance {$3200.00} XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXXXXXX Balance $ - XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$3700.00}

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 2019-03-19
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My husband and I recently separated. On XX/XX/2019, I paid my car payment ( {$620.00} ) out of mine and my husbands joint account. On XX/XX/XXXX, I noticed the payment had been reversed and put back into our joint account. I called Navy Federal Credit Union and found out he had called and reversed the payment. On XX/XX/XXXX, I transferred the {$620.00} to my account ( his name is not on that account and has never been on that account ) and paid my car payment again. When I checked my account the next morning, the payment had been reversed again. This time, the money went back to an account that I do not have access too. Therefore I was unable to get that money back. NFCU told me that since his name was on the loan, that he was entitled to the money on that loan. However, my problem is that when the payment was reversed, it should have never been put into an account other than the one that it came out of. I spoke with a few different people at NFCU and was never able to get this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX  XXXX has a Installment loan that is on my TRANSUNION report that is NOT MINE. I called XXXX Customer Service and asked them what this loan was for and they told me it was for a XXXX XXXX XXXX XXXX XXXX XXXX GA, I live in XXXX XXXX XXXX. XXXX hours away. I asked for the address on file and it was from a old address on a house I sold 9 months ago, I asked for the DOB on file and it was NOT my DOB, I asked for the SS # on file and the rep said they could not provide it for me but it was not the one I gave them. I asked for them to send me a copy of the signed loan agreement and it has a credit score of XXXX on it as of XX/XX/XXXX. My score was higher than that on XX/XX/XXXX in TRANSUNION bureau, proving the SS @ on file on this loan is NOT MINE. So basically XXXXXXXX XXXX XXXXXXXX are doing fake loans on unsuspecting consumers using just their old address and putting in fake SS # and DOBs. I contacted TRANSUNION and filed a dispute and they said it was up to creditor to remove. XXXX wanted me to file a Police report and send in copy of my DL to them, no way I am sending them this info when they are already committing fraud, making up fake loans. 
How can you have a Installment loan on my credit report when the loan : 1. Doesnt have correct DOB 2, Doesnt have my signed consent 3. Doesnt have correct SS # 4. Doesnt have my correct address 5. Doesnt have a photo ID of me If they had a copy of my Drivers License the DOB would be right would it not?

This is blatant lender fraud. Making up and funding loans on unsuspecting customers using bits of information.

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 2023-09-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting 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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NCXXXX ; XXXX  XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX I am deeply disturbed by how Trans Union, XXXX, and XXXX have violated my rights and continue to do so without care. Who is going to govern them? 

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 an 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 or 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 data is inaccurate. 

I would like {$1000.00} for every violation on my report and for all inaccurate information to be deleted from my consumer report.

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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
All three credit bureaus XXXX XXXX Trans Union are showing my Student loans with balances in which my loans has been paid in full. This adverse information is harming my credit report with this inaccurate information 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 non-monetary relief
Consumer complaint received 2018-04-08
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This complain is follow up on previous complain CFPB Case # XXXX On XX/XX/XXXX I contacted Citi Bank in regards to 5 transactions on my account which I did not authorize & I don't know where my money went. Those transactions were following dates & amounts : XX/XX/XXXX {$13000.00} XX/XX/XXXX {$15000.00} XX/XX/XXXX {$16000.00} XX/XX/XXXX {$18000.00} XX/XX/XXXX {$18000.00} Total amount I disputed was {$80000.00}, Citi Bank gave me a name where those transaction went through & I did not recognize that name. Citi Bank advise me that they will investigate it & credit my account. I even called that bank also & i was told that there was no account under my name at that bank told me in order to investigate I have to file dispute with Citi Bank. I was told that I need to open a new account and close old one. 
I opened new account with Citi Bank at XXXX branch, after few days they closed my account also & nobody knew any answer & was told that I would get a check in the mail. 
on XX/XX/XXXX I received a check in the amount of {$83000.00} which i deposit in my capital one account which was later returned as stop payment. Since than I am getting run around from Citi Bank. 
I just need my money back & Citi Bank is claiming that those ach transactions I did it, than I need proof if I did it, what kind of investigation Citi Bank did it & which account money went to because that bank did not have any record for that. 
In my opinion Citi Bank took my money or they lost it somewhere. 
I am trying to sort out with Consumer Financial & Citi Bank otherwise I am going to take legal action against Citi Bank.

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 2015-07-20
Company: ORG GC GP Buyer, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They never leave a voicemail. I 've filed for bankruptcy and therefore any and all collections MUST STOP. I have n't had a collection call since XXXX and these people just started 4 days ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Had valid transaction in XXXX. Sender ( family member ) had fraud in their debit card and filed a fraud claim on specific venmo transactions with his bank. Appears  XXXX indicated all past two month XXXX Venmo are fraud and my credit he sent was part of it. Without a message or warning Venmo attempted to recall the funds from my account and now froze My account as it now negative based in the incorrect claim by XXXX. Without any explanation from Venmo im now calling and getting the run around from Venmo and now im told provide evidence. Why was this first not requested during their investigation and with a broad stroke im now locked out for 30-75 days and labled a fraudster. What kind of customer service is this Venmo? Beyond frustrating and poor customer service

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This process was incredibly painful. I started a refi with Amerisave on XX/XX/XXXX with XXXX XXXX paying {$500.00} to start the process. The lack of internal communication, lack of responding to numerous e-mails and phone calls where I was asking for clarification of documents needed and/or explanation of why the process is taking so long and what I can do to get things moving is infuriating. There was an entire month from middle of XXXX to the middle of XXXX that went by with zero movement. I feel like I drove this entire process. I have e-mails and statements to support this claim and phone records can be checked to see the shear amount of phone calls I made during this process. 

On XX/XX/XXXX, 4 months after beginning the process, I was told my quoted rate of 3.125 % expired. Apparently, this rate was not locked and I was given no advisory advise as to what to do so nothing would change. My credit report expired, so Amerisave ran my credit again and it dropped 20 points. I am not sure why, but thats a topic for another time. Because of this my rate jumped to 3.5 % as well as did points. Points went from {$1200.00} to {$4700.00}. I was told by XXXX XXXX that is because of the Market. This increase in interest rate caused my payment to go up by $ 107 month which is over {$38000.00} over the life of the loan. Amerisave did give me a {$3800.00} concession to try and justify the increase in rate and points.

Amerisave also made me keep my money in a very low interest account requesting bank statements often with what appears to have no intention on closing in a reasonable amount of time. I feel like I was taken advantage of and this was a bait and switch. 

I was caught in this ongoing cycle month after month and I could not get answers why. I have submitted 59 documents since this began and dealt with 7 different people from loan originator ( XXXX XXXX who was replaced by XXXX XXXX ) to loan processor ( XXXX XXXX who was replaced by XXXX XXXX ) to Mortgage Sales Manager XXXX XXXX ), Processing Manager ( XXXX XXXX ) and even the Mortgage Sales Manager 's boss ( XXXX XXXX ). I have even spoke to the title company XXXX multiple times and they are ready to close, but were waiting on documents from Amerisave. 

This refi is going to save me {$1100.00} month ( originally {$1200.00} ) and every day that went by where I do not close is costing me money. I finally closed on XX/XX/XXXX. 5 months and 5 days after beginning the process with absolutely no awareness that it was going to take this long. I was told about 3 months to close. I would have gone somewhere else, but they had my {$500.00} nonrefundable application fee.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: FL
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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$24000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: VT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have repeatedly attempted to correct inaccurate and incorrect information on my consumer report, to no avail. This is my final attempt before i take it to court. 

SEE ATTACHED LETTER

Company response to consumer: Closed with non-monetary relief