BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-03
Company: BB&T CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I have already reported XXXX as unauthorized. On XX/XX/2018, a new charge came through again on my account after they reversed the charge from 2 weeks ago they resubmitted it again and the bank processed the charge. Again, I have asked them to reissue me a new account and have not heard anything. I also complained about XXXX deducting from my account and told that it would be reversed and have not heard anything but was accessed ( 2 ) OD charges in the amount of {$72.00}. This to me is unfair and unfortunate on my behalf. I need this credited back into my account and no further XXXX or XXXX transactions honored.

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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 XXXX XXXX XXXX XXXX Account # 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.

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 2022-08-15
Company: Tower Loan of Mississippi, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I admittedly over extended myself with this loan they kept offering to re write the loan so I could pay some get caught up and extend the payment I can not afford it I have asked for a reduced payment or some kind of work out, they always tell me that I have ti bring a full payment which I can not I am willing to pay but XXXX calls me multiple times a day he has called me a XXXX, threatened to come to my house and work. I have at times told hi I would bring money but cant bring what they are asking for so he says no that wont work. Today I got a letter in the mail from an attorney which I plan to call and work out something if I can, but XXXX called me again yelled at me said I was lying and said he would see me in court. Oh and then he told me how much he would be taking out of my paycheck, I really need this harassment to stop but he wont I am afraid to even take any payment in there or have contact with him. I just need help so this harassment is affecting my home life as well as my work life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
We have wells Fargo credit card we made our payment on about XX/XX/XXXX on XX/XX/XXXX we paid off the credit card with interest now they are wanting over a XXXX dollars in interest after we paid it off with all the interest we were told to pay at the time of payoff

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 2021-09-23
Company: EQUIFAX, INC.
State: MA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: LendUp Loans LLC
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Lend up / XXXX XXXX Last month I filled out an application for a credit card with Lend up credit card service, to see what kind of interest and the credit limit would be, I called and canceled immediately before the account was even opened, I told them I did not want a account with there services, yet they set an account up in my name with a credit card that was never used, never no money exchange to Lend up / XXXX XXXX or money to me. This is a scam to get people involved in there unfair credit habits and to take advantage of the credit consumers that try to build there credit. This company is a total scam. Please remove from all three credit bureaus as I never had a account with or paid any money to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: FL
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:
In response to Experian 's Request and complaint ID I have attached the documents as requested. 
Experian Itemized Violations Invoice and XXXX, the Consumers " Actual Damages '' in response to the violations at hand. It is clear and concise how I have opted out of a credit authorization however due to the willful and intentional negligence of the agents at XXXX XXXX XXXX XXXX I have endured multiple injuries causing an overall downfall in my right to receive goods for my personal use ( Regulation Z ). It is their duty and performance to make accurate decisions especially in consumer credit transactions.

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 2022-07-13
Company: ROBINHOOD MARKETS INC.
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
On XX/XX/2021 I issued a check from my investment company Robin Hood in the amount of {$4700.00} to be made payable to XXXX XXXX XXXX XXXX XXXX. This check was made payable to pay off my auto loan In full. The money was successfully deducted from my investment account. On XX/XX/2021 the check was returned unpaid from XXXX XXXX. The money was never returned back to my Robin Hood investment account. Robin Hood stated when I asked them what happened to my money upon review, we verified that youve attempted to deposit the check multiple times. The check was endorsed twice and the first one was successfully deposited by XXXX XXXXXXXX XXXX on XXXX while the second endorsement was returned by XXXX XXXX finance. I retrieved a copy of the sequence from Robinhood and the money was successfully deposited into a bank account through XXXX XXXX  XXXX on XX/XX/2021. I have the sequence number the bank account number but when I called XXXX XXXX XXXXXXXX they would not disclose any information to me as to where my money went. I have been in contact with Robinhood, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX but nobody will trace what happened to my money. I have lost {$4700.00} and can not receive any assistance from anybody.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: EQUIFAX, INC.
State: NC
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:
There is a hard inquiry for XXXX XXXX  on my Equifax credit report that I did not make. I have never had any dealings with this company. I call XXXX XXXX XXXX they have no information regarding me. I called Equifax XXXX and they said call XXXX  XXXX and that they could not dispute hard inquiries. This inquiry is dated XX/XX/XXXX on Equifax. 

Inquiry details XXXX XXXX Inquiry from XXXX XXXX, XXXX - Telephone Companies This inquiry could stay on your report unti XXXX XXXX. 
See an error? 
Find out how to dispute a hard inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I tried 7 ti  mes to obtain a loan modification for my Citimortgage loan and was declined time and again until the last attempt. When I read the " fine print '' buried in the agreement I discovered that there was no actual relief granted to me. All the bank did was defer a portion of my balance so that I would have a nearly {$250000.00} balloon payment in 15 years.
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I 've enclosed a copy of the letter I recently sent to Citibank by certified mail demanding a recasting of the terms of my mortgage because of the mistreatment I received during my countless efforts to get mortgage relief. My letter was ignored by Citibank.

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 2022-08-15
Company: American Credit Acceptance, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
When I went to try and trade my car in for a lower payment I found out that my payoff amount is higher than my remaining loan. I called to find out why and they said I was paying off the interest first before principle. I told them that they were suppose to split it and I even made an extra monthly payment and put principle only and they applied it to interest only. I looked up the contract and there is no where on it that states that they pay interest first. This is also happening to my girlfriend as well and we have the same company. My interest rate is 28 % and hers is 26 % which is very high. The company is American credit acceptance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Original company was with XXXX finance company on or about XX/XX/2015 and now owned by Cavalry port balance of {$9900.00} was changed off. The Debt is to old to Legally collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THEY HAVE ALL 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 2019-11-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
USAA manages my checking and investment accounts. 6 days XXXX XX/XX/2019 I requested a transfer of XXXX dollars from a mutual fund with USAA to my checking account with USAA. USAA at present has no record of the funds, can not find the funds and is stating it may be several weeks before the funds can be found. 
I feel this is unacceptable and feel there may have been a theft of funds by the USAA employees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Hanna Holdings Inc
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Howard Hanna mo rtgage wanted me to close  XXXX  credit cards and pay them in full at  XXXX  bank and give proof that it occurred. They did n't specify how the proof was needed.   XXXX   credit cards were paid in full and closed prior to closing however the mortgage company then further detailed that the credit card company had to email me a letter stating that this occurred. That was against the guidelines of the card company. They would only send a letter which could take weeks that stated that the account was closed. I pleaded with them but they would not budge. They did agree to verbally explain that they were paid and closed but the mortgage company would not allow that to happen. I 've tried to explain that they are requiring me to provide something that can not be provided. I now worry that the loan will not close because of this and I wo n't get the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
TRANS UNION IS IN VIOLATION OF BREAKING THE LAW, CONSUMER LAW AND RIGHTS, A SERIOUS BREACH OF TRUST. TRANS UNION YOU HAVE VIOLATED THE TRUTH AND LENDING ACT AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO TRANSUNION ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL XXXX BUREAUS ( TRANS UNION, XXXX, AND XXXX ) IS IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. REMOVE ANY PERSONAL INFORMATION THAT YOU DID NOT GET PERMISSION FROM ME OFF OF MY CREDIT REPORT AGAIN YOU HAVE VIOLATED 18 USC 1028 A AGGRAVATED IDENTITY THEFT. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND1DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT 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 2022-08-13
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hi : I had taken a student loan from XXXX XXXX for financing my XXXX  degree. Firstmark Services is the current service provider for XXXX. I have XXXX student loan accounts with XXXX, XXXX for the first year and the other for the second year of study. The money was provided by XXXX in XXXX installments. 

Based on the agreement with XXXX at the start of the loan, I am entitled to 3 years of forbearance period on each of the XXXX accounts mentioned above. I called up Firstmark Services on XX/XX/2022 and was informed that XXXX of my accounts has 12 months of forbearance left and the other has 7 months left. 

However, for the last couple of months the XXXX servicing team is refusing to apply the remaining forbearance period on my account. They are falsely stating that I am entitled to only 2 years of forbearance on each account. 

Furthermore, they are asking for sensitive personal information such as the names of the companies that I have applied for a job to, personal bank statements etc. I have also been informed by external recruiters that XXXX has divulged my personal information to them. This is very disturbing. 

The XXXX servicing team is not authorized to handle my account in any case. After my loans were disbursed, the operations of my account were transferred to Firstmark Services. The current interference of the XXXX servicing team is illegal and I suspect they may not be affiliated with the actual company. It is a very real possibility that the acts of the XXXX servicing team constitute some kind of fraud. 

I have tried to reach the senior leadership at XXXX to gain more information on this matter but have not received any response or reply from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Flagstar Bank, N.A.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I opened a checking account at XXXX XXXX in XXXX. Later, this checking account was transferred to Flagstar bank in later XX/XX/XXXX because XXXX XXXX sold some of their customers to Flagstar. Since there are no branches of Flagstar near my previous city - XXXX, XXXX, I stopped to use the checking account of Flagstar. I transferred all my money out of this checking account and keep XXXX balance on it in XXXX, XXXX. In XX/XX/XXXX, I moved to XXXX and I found my XXXX reports me having debt from Flagstar. I called the customer services of Flagstar. They told me they started charging me several dollars from someday XXXX or XX/XX/XXXX due to the XXXX  balance or whatever. After about 20 or 20 days they closed my checking account and sent a debt of {$170.00} to a collection company on XX/XX/XXXX. I have no idea about the penalty fee of XXXX balance of the checking account. I have never heard the fee neither. Also, I have never been notified by mail or email about the charges on my account. However, in order not to influence or ruin my credit history, I directly paid the debt but I still have no idea about the charge. Recently, I requested a report from XXXX  and found the reported information on the debt is about abusing account. I don't think I abused the bank account and I should not be charged for the unreasonable fee. I think the bank intentionally charge people and close their account without any notice.

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 2022-08-13
Company: EQUIFAX, INC.
State: GA
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:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. 1 never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I was forced to use private loans to pay for college in XX/XX/2004 with XXXX XXXX XXXX. The loans were sold to Transworld. I have defaulted on the loans and I, along with my father who co-signed, am now being sued by XXXX. They have harassed me over the last couple of years, threats to my father and myself to take our property. We have received robo calls non-stop which even continued since the court papers were issued. XXXX had several cases against me, 4 of which have been dismissed due to their failure to appear in court. The 5th case is due in court this month after being continued several times at the request of their attorney. I'm trying to research the complaints against XXXX because I believe I am a victim of false documentation and falsified affidavits along with being sued past the NC Statute of Limitations. According to their paperwork, my last loan payment was in XX/XX/2009 and XX/XX/2011, court papers were filed in XX/XX/2015.

Company response to consumer: Closed with explanation