BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: NY
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'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: AAA Collections
State: SD
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I live in XXXX, South Dakota. I have XXXX XXXX  daughters at home, ages XXXX and XXXX. I have a XXXX year old son that lives on his own with roommates. Last week his entire paycheck and bank account was emptied wrongfully for a garnishment which i know nothing about. The problem is THIS week, my minor daughter 's savings account was emptied of {$700.00}, everything she had. We just returned from XXXX  where she was in the hospital for XXXX and she is unable to work or go to school 3 months. She saved this before her XXXX from working so she could pay for her car, insurance and school items she needed. She was supposed to put a deposit on a trip with her class next year and now she no longer has it and can not pay her bills. My daughter is severely distressed and when looking at her account it said garnishment XXXX XXXX. I called the bank that allowed the money to be taken, XXXX XXXX, XXXX, SD, and they said it was XXXX 's garnishment and they can not talk to me about it. I stated it was stolen from MY XXXX  child so i am involved. Still no answer. They stated it was AAA Collections in XXXX XXXX SD. They, too, will not give answers because it is my son 's collection issue, not mine, and he is an adult. Regardless of my opinions about the fraud also happening to him right now with this company leaving him with any way to pay car payment or get food, my frustration and anger is at the theft of the {$700.00} from my daughter XXXX XXXX. None of us know what this is about nor did we get letters explaining. Not only that, my son did not receive a letter explaining so he can fight it or at least make payments. AAA Collections in XXXX XXXX, South Dakota has caused severe hardship on 2 families and it is cold and heartless, especially in these trying times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: SC
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 items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 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 2021-01-25
Company: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
when reviewing my XXXX XXXX account I noticed that there was a credit report from XXXX for the amount of XXXX. I called XXXX to see what this account was in reference to, they stated this was a cell phone bill, Which I have never has a cell phone with XXXX that was not pre-paid. they stated it was short term account I ask if they had my signature or Id on file they stated they could not give me no information because they transferred the collection over to Jeffery Capital System lLC. They gave me the number. My first attempt was to despute on XXXX XXXX which they denied. I than Reached out to Jeffery Capital on XX/XX/XXXX to try and resolve the debit, Because I am working on my credit score to purchase a home. I spoke with XXXX who stated that they could reduce the Bill to XXXX dollars if paid in full, I requested that they send me a letter with the company letter head stating if I was to pay this Debt in the amount of XXXX they would take the collect of XXXX off of my credit report. The response I got was " we are unable to do this. '' I did not at this time feel comfortable paying this amount without it in writing, providing that I do not believe this was my debt in the first place. 
On XX/XX/XXXX I tried calling the Company again to settle the debt once again because this is affecting my credit score, I spoke with XXXX Who stated that the debt was no longer with them, she would give me another number to call. Which I was never notified that this has been transferred. On my credit report it has Jeffery Capitals system LLC as the debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05
Company: ACQ Holdings, LLC.
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Daily I receive emails, phone calls, including at work, and text messages claiming attempts to reach me have failed and threatening to take next steps. I have documented proof that I have emailed and written to them on numerous occasions indicating that I want to resolve the debt but need payment plan options and to contact me by email. The only response I get is a continuation of emails and phone calls and texts indicating their numerous attempts to contact me have failed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
After Citi fraudulently stole {$2900.00} and refused to refund me despite my multiple appeals, I filed a CFPB complaint. As retaliation, they closed my account the night of XX/XX/XXXX, the day before XXXX of XXXX weekend. These cowards refused to provide me with the true explanation, but I finally found out it was retaliation through some digging. 

On XX/XX/XXXX, I received a letter that I would receive my funds from the closed account no later than 10 business from the date ( XX/XX/XXXX ). I called on the 8th business day, and was assured I would receive my funds by the XXXX. I did not. I tried to call again today, and it appears the bank has blocked my number and stolen these funds as well ... ..

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 2020-07-23
Company: WELLS FARGO & COMPANY
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
my name is XXXX. I have a checking account and credit card at Wells Fargo bank. It was the end of the month, and I was about to make a payment to pay off my Wells Fargo credit card. When I signed in, I saw that my checking account was extremely low, and i was not sure why. I checked to see why. I saw that there was a transaction that was NOT authorized by me. the transaction amount was XXXX dollars. it was a bill pay for a XXXX account. the transaction is described as " Bill Pay XXXX XXXX   Services on-Line XXXX on XXXX '' .I do NOT have a XXXX  account. I freaked out, because I never made that transaction, so I made a call immediately to the fraud department. They said that they will do an investigation. Wells Fargo sent a message in the mail saying that your claim has been denied, because they were unable to reach me. I went to the local Wells Fargo, and I found out that the phone numbers that were on file were not mine. they re-opened the investigation, and they said " our research of the transaction shows that it was requested through a secure online banking session using your username and password ". The employee that works in the fraud department told us to try and contact XXXX  to see if they can help you identify the person. We contacted them, and they refused to give us any information, because we do not have an account with them. we went back to the Wells Fargo bank to try and get the phone numbers that was on my account that wasn't mine. They also refused to give us the numbers. Every time we tried to solve the issue, they refused to help us, so they closed the case, and they did not want to re-open the claim. I really need this money. I worked extremely hard for it, and I got nothing out of it. I have a son that needs to go to college, and he needs some of the 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 explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX FXXXX 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 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 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 2018-11-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/18 I reported a fraudulent transaction made on my debit card in the amount of {$150.00}. A fraud report was made case # XXXX and I was told to destroy my card because it was blocked and could not be used and I did. 

On XX/XX/18 I received an email stating that a purchase was just made at a XXXX XXXX with my 5th 3rd debut card. I called 5th 3rd and the fraud department me informed me that my debit card had not been blocked and they could not see why it was not blocked in their system. If the card would have been blocked as they told me it was yesterday then I would not be dealing with another fraud incident. This situation is placing stress on me and my family as we have bills scheduled to draft and groceries to purchase which I can not do so now. 
I spoke with Supervisor XXXX ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
i got a letter in the mail today from citizens Bank saying I was denied credit. The problem is that I never applied for credit card with them and furthermore I have had a fraud alert on my credit report with all XXXX bureaus stating that I have had people submitting fraudulent applications in my name and in case anybody applies for a credit card under my name to call me first and verify that is me before they run my credit!! Needless to say I never received a call yet they still ran my credit which severely impacts my credit score. when I tried calling them I just keep getting rerouted and rerouted from Department to Department until eventually I got a departmnent that was closed!! This should be illegal ... what is the whole point of a fraud alert if they do n't follow the rules??!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-27
Company: CFM Group LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I just checked my credit score online and noticed a collection agency named CFM group was trying to collect a balance of {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: C & E Financial Group, Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a XXXX XXXX XXXXXXXX XXXX XXXX veteran after serving in XXXX in XXXX. I was XXXX XXXX in XXXX. Today, my XXXX-old son is a XXXX  in the XXXX XXXX stationed in the west coast. He and I know all about doing the right thing when no one is looking. 

After attempting to refinance my VA home loan with the above-mentioned broker, it has come to light that they do not care about doing the right thing when no none is looking nor do they care about doing right by our military veterans. 

XXXX XXXX is an agent of mortgage broker, C & E Financial Group , Inc. DBA Vintage Lending. XXXX XXXX is the owner of Vintage Lending. In XXXX of XXXX, with my explicit consent, Vintage Lending refinanced my VA backed mortgage from 6.25 % to 2.75 %. As a XXXX XXXX XXXXXXXX veteran, I am exempt from different fees, including property taxes. 

On XX/XX/XXXX, I emailed XXXX to inquire about the refinance interest rates he was currently offering to which he replied 1.75 %. I did not hear from XXXX until XX/XX/XXXX, when I emailed him asking about a hard credit inquiry notification I had just received. A hard credit inquiry I did not give explicit permission for. I explained to XXXX that after calling XXXX XXXX at XXXX, they explained to me the hard credit inquiry was processed by C & E Financial Group of Utah. XXXX then calls me and explains that he helped himself to my social security number by searching my file, typing my social security number into his computer and processing a hard credit inquiry. Misleading and unethical business practices. 

In the legally obtained recorded phone call, XXXX admits to his misleading, unethical, reckless and unauthorized business practices. He also mentions that if I refinance with them again, I would not be charged any fees because I am XXXX XXXX XXXXXXXX. The thing is, I was XXXX XXXX XXXXXXXX when they refinanced me the first time and I was charged over {$5000.00} in fees. It sounds like their VA loans need auditing to ensure our veterans are not being taken advantage of. 

Resolution sought : This mortgage broker should be investigated by having all their VA loans audited and disqualified from processing anymore VA mortgages.

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 2017-03-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR
Product: Credit card
Issue: Sale of account

Complaint:
we received a XXXX from XXXX for XX/XX/XXXX on an account that was settled for less than amount due in XX/XX/XXXX with HSBC/Beneficial. Since it has been over 7 years no one has any documentation ( only required to keep for 7 years ) and they can not sell an account to XXXX that is no longer collectable. I have included the XXXX credit reports that do not show this account at all as my guess is that they removed it when it was settled instead of reporting it as such as well as the response from the CFPB case # XXXX cfpb dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is reporting incorrectly that I am 120 days past due on XXXX partial account number XXXX. ( Please see page 20 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2021-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Bank of America. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9000.00}. 
Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2019-11-19
Company: Westlake Services, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This company keeps calling me saying that they have not received my last two payments. I have talked to them many times and have emailed them copies of the cancelled checks with their stamp and bank account # on the back. I have never been late with a payment but this company takes forever to process a payment. It is the only company in the world that doesn't take on line bill payments. You can pay online with a check but it is through third party companies. I would be shocked if this wasn't a XXXX   XXXX  for XXXX  XXXX, except that they don't seem smart enough. 
See attached checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: WRJ Holdings, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
For on time payments made XX/XX/2020 and XX/XX/2020, the amount applied to principal was incorrect. More was applied to interest than principal. I compared the amortization schedule given at closing to the print out of payments made through the course of the loan. I approached XXXX XXXX about the discrepancy and was told she would reach out to her boss. After several calls I was able to reach her and she informed me her boss would not make any adjustments. For XX/XX/2020, of the XXXX payment made, XXXX was applied to principal ; however, according to the amortization schedule, XXXX should have been applied to principal. For XX/XX/2020, of the XXXX payment made, XXXX was applied to principal ; however, according to the amortization schedule, XXXX should have been applied to principal. We were totally ignored and brushed off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Truck was in an accident in XX/XX/2020. XXXX XXXX took 3 months to finally say the car was a total loss. I asked them numerous times if they were in contact with XXXX who held the note on the truck. They assured me that they were and my credit would not be affected. I now have missed payments on my credit report and my score has dropped 100 points from over a 700 to barely 600. This issue is still not resolved and is affecting my finances. It is still on my report that account is still active when i have a paper from progressive saying its a total loss and is being paid off. Neither XXXX  or XXXX will help me in anyway. My next step is to take legal action

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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act Account number XXXX has violated my rights.15 U.S.C Section 602A states I have the right to privacy. 15 U.S.C Section 602A states a consumer reporting agency can not furnish an account without my written instruction in this case 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