BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
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/XXXX, I noticed several charges that were showing in my banking app with fifth third bank. I immediately disabled my debit card and called them. The bank was closed so I had to wait until the next day to report these charges that I did not make or in any way authorize to be made. I spoke to a bank representative who was nice and polite, and I explained that I did not make these charges. He told me not to worry and I would receive a temporary credit in the next few days while an investigation took place. The following day I went into my app to check my balance as I still had over a XXXXXXXX XXXX in my account and needed to pick up a few things for my children. I was not able to access my account, so I called the bank and was connected to the fraud department. The representative was very hostile and informed me my account was closed and I was deemed a fraud risk and I could not access my money and I would receive a check in the mail within 30 days. She also told me my claim was denied and I would not be getting my funds back. The bank made this decision within 24 hours without any investigation. The following day I went to the bank to speak to someone who could help I spoke to a manger who was doing everything he could to help me. He attempted to open a new account and move my funds but was not able too, so he called the fraud department and was told I was blocked from ever having an account with them ever again. After he hung up with the fraud department, he explained that this is common with claims that involve XXXX  app. He said that all claims were denied involving XXXX  app and I would have to fight for my funds to be returned. That same day I filed a police report and contacted a lawyer for fair shake to get advice. The electronic fund transfer act requires a financial institution to give the victim a temporary credit no longer then 10 business days from the date the theft was reported. I did not receive this credit in the time frame stated by federal law. My credit card payments i had made were returned, leaving me with fees and potentially damaging my credit, which I feel was on purpose and vindictive. Due to the bank and its fraudulent practices me and my children will face a struggle and potential eviction as my rent money is gone and were left with nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Experian Information Solutions Inc.
State: AL
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 respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. 
The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Reason : NOT Metro 2 Compliant there not USC 1692g compliant.

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 2023-08-03
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I've already filed this same complaint with your agency and you referred my case to the Office of the Comptroller of the Currency which referred me BACK to you! At this point, I've been going back and forth with you on this matter since XXXX XXXX Who can help me? PLEASE : REFER TO CASE # XXXX OR # XXXX As I said before : As part of a XXXX  XXXX payment plan from XX/XX/XXXX, to XX/XX/XXXX, I provided over {$30000.00} in payments to Citimortgage ( through a Trustee ) and XXXX  did not apply those payments to the loan. XXXX then proceeded to sell my mortgage loan to XXXX and then XXXX Mortgage ( current service provider ) for more than the original loan amount. I made over three years of mortgage payments and was not given any credit for those payments. I feel as if Citimortgage basically robbed me of {$30000.00} and once they changed my loan provider to CENLAR, I had to start from the beginning as if the mortgage loan was brand new. XXXX collected my mortgage payments, kept the money, and never applied all that money to the original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TMX Finance LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
In XX/XX/2021 my vehicle was taken for being 30 days late during the pandemic. No notice left, no contact with me. I owed {$1500.00} left on the account. I paid $ 1500+ when I got it back. Now years later after I tried to get my title back and contact them I wake up and my car is gone? Called the police to report it and they said even if it was repossessed they have 30 minutes to notify them of any repossessions. Title max is telling me that I cant get it back without paying {$3000.00} my entire loan amount or its sold in 10 days. THEY TOOK IT FROM AN ADDRESS WHERE I CARE FOR AN XXXX  WOMAN FOR WORK. I was literally at WORK. All of my personal stuff. My wallet. Etc. there isnt even a Titlemax in Illinois!!! But they keep telling me to call them. My heart is broken. From the beginning its been horrendous. The day I got my loan they didnt even give me what I was fully qualified for because they didnt want to restart the loan because it was closing time. They CHANGED my income to be more because they said they cant charge me more than a certain percentage of my income for my monthly payments. I have tried and tried to call and reach someone to speak about these obscurities and no one can help me. They give me a number to call for Illinois and it only ever says Im calling after hours. My original loan amount was {$3000.00}. I made at least half the payments before they took it the first time and paid them over {$1500.00} when they took it. Now I owe them $ 3,000+??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
XX/XX/XXXX I purchased a XXXX XXXX XXXX from US Auto Sales in XXXX S.C.. In XXXX my wife was laid off from her job, and began the search immediately. We had a small cushion to get by on and still maintain our finances. XXXX things had begun to tighten up and we started to get behind. By XXXX US Auto had disabled our car, not allowing my wife to look for work. Come mid XXXX or early XXXX we had seen on the news that all US Auto dealerships were closed. I began calling numbers given to find what was going on, however the numbers were leading to businesses in New Jersey, Texas. None dealing with autos. By the end of XXXX I recieved an email from US Auto to start forwarding my payment to Westlake Portfolio Management. I instantly XXXX this company to find nothing but horror stories for reviews of others that had the same scenario happen only to pay off the vehicle only to be told to pay thousands more to receive their titles or never receive them. Upon investigating further I called the XXXX which held the warranties and gap coverage to find US Auto had not paid for the warranties a year before I had even purchased this vehicle, this made my contract null and void the very minute I applied the ink to it. This was Breech number 1. This contract also states that any changes whatsoever would have to be signed by myself and US Auto, when the contracts were supposedly bought by XXXX this was breech number 2.

XXXX has yet to call me, I have had a few emails and three letters delivered I am now being threatened to have my car repoed. 
I refuse to pay another XXXX, to either of these companies because they have committed fraud!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 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 itemsXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12
Company: BANK OF THE WEST
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Bank Of the West Wants my Bank User Name and Pasword to take money out of my Bank account to Pay Rent the Bank could XXXX all my Money XXXX XXXX XXXX  mailed RPM Rental my Rent Check that RPM mails to Bank of the West gets the check late and charge me {$130.00} Fee RPM said to Mail the Check to Bank West Return the Check to my Mom Adress in Minnesota I Had XXXX XXXX mail 2 months Rent to RPM RPM wont give me there Routing Number XXXX  XXXX took around {$1000.00} Dollars to Lease me the Apartment I asked fore Help Paying Rent Calling Bank Of the West most all there Employees Hang up on XXXX XXXX Have XXXX XXXX in XXXX nobody can file a lawsuit against a bank treats everyone Terable 9 years I often move to a Foreign Country Every 90 Days the First Day you are in the Country a Rental Complany or XXXX XXXX take you to and apartment you give them {$2500.00} Cash and Rent the apartment there 100 % Helpful XXXX Credit Check XXXX Fees everything Helpfull Return to America and Everyone Treats you Terrible Call RPM Rental and Send them a email gets XXXX response you have to go there

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase negligently merged my savings, checking and morgage account with multiple fradulant accounts with another person or persons fraudulently impersonating as me! Although those other XXXX XXXX, California, NY, NJ and CT use either no social security number, an EIN number or another fradulant social security number, they are all under MY PROFILE. I have begged CHASE via phone and in person to separate me from this money laudering, they refuse. I want proof in writing ALL these fradulant accounts are closed AND I want proof my morgage account was CLOSED. I have proof it was paid in full but nothing stating it was closed. Chase has ignored both requests

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: GOLDMAN SACHS BANK USA
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
We made XXXX XXXX come to our house and talk about installing solar panels on our house.XXXX  XXXX.We were approved for the loan.XXXX Green Sky gave XXXX XXXX money to buy the equipment.Without verification from usXXXX XXXX  panels where installed.Green Sky paid XXXX XXXXWe where told Electric company had to come out and install new meterXXXX Electric company came out.installed new meter XXXX XXXX was paid. Without verification that the work was completed.Solar panels are still not working and we are getting higher electric bills .We have call both companies over 10 times and no one has resolved the problem.They also try to i stall a smaller unit than the one we had contacted for our house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I'm currently a victim of a scam. 

Here 's the story : On XX/XX/XXXX, I got a phone call from a gentlemen posing as a Bank of America representative, informing me that I was currently a victim of fraudulent activity. 

Because I bank with BOA and the fact that he was able to call my phone, using a number that is linked to BOA, I panicked and began following the instructions he provided. 

He told me that a money transfer for the amun of {$3500.00} was being scheduled through XXXX, from my savings account, to an IP address in XXXX. He then said in order to stop tue transfer from happening, I would have to empty out my savings account, which had a total of {$2300.00}. He said that my funds would be sent to the customer service manager of XXXX ( who was " handling '' my case ), until the investigation concluded. After which point, my funds would then be transferred back to my account. 

Long story short, it turned out to be a scam and my savings was wiped cleaned. I opened a claim with BOA the following day and they said that the contingency on getting my money back, would be based upon whether or not they are able to retrieve the funds from the financial institution, that my funds were sent to. Needless to say, I was very unsatisfied and unsettled with that response and the case is on-going. I have a strong feeling that I will not be getting my money back. 

I understand that this is partially my fault, as I didn't do my due diligence initially, by gathering more information before just handing over my money. However, I feel that there is space for Bank of America to hold accountability as well. The mere fact that someone was able to call my phone using a number that is linked to the financial institution that I Bank with, is a problem. 

I need this incident reported and I'm hoping to receive my money back.

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 2021-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Winding down to closing with the home loan up to Friday I had sent multiple emails and my loan officer and document specialist were out of office ( I plan to close the following Monday. The supervisor of the loan officer was not returning my call. I had yet to receive an accurate closing disclosure with the correct rates. There was also no communication from my loan officer to my real estate agent/ title company. As far as an online loan experience this whole process has been terrible. With little communication, no replacements for my loan officer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-15
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX XXXX XXXX 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX XXXX Balance : {$250.00}

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 explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$17000.00}

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