BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am a victim of Identity Theft and I am submitting this complaint regarding the unauthorized Inquiries I found in my reports. The following inquiries are not affiliated with me nor I received any money, goods, or services as a result of identity theft or they authorized by me. The TransUnion, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i and section 605b, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXXXXXX 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 2022-09-27
Company: AutoMoney, Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I opened this loan on XXXX XXXX they since XXXX XXXX they are not allowing me to pay the loan off with early payoff ... .Since Fridaay XX/XX/22 I have been attempting to obtain my vehicle 's title that, but Automoney is refusing to accept my payoff for the amount they informed me was {$800.00} on XX/XX/22. Since XX/XX/22 I attempted to make a debit transaction from which a secretary at the XXXX  XXXX XXXX location, rudely hung up on me, while I was attempting to get information pertaining to the huge gap from what I was told compared to the amount my 1 month old loan was. The have charged my loan {$250.00} more than what I was told it would be and I waanted to receive answers but all I have been able to receive were rebuttals in the form of hanging up on me, to not answering the phone nor taking my payoff causing me to prolong getting my title causing a later and higher payment and not allowing me to make a payment is a violation because they would then state that the payment is late or try to take repo my vehicle when they are not allowing me to pay the title off. These people have avoided me paying off this 1 month old title loan when I have contacted their corporate and their district manager whom corparte had call me shortly after that corporate was to have a male distric mangager call me but he never called and sent a message through a XXXX employee at number XXXX that I need to stop calling them, thats when i got upset, but I said they are problaby in violation from that issue so let me write them through this channel yet their practices are nothing like the docuemnt states they are charging more thatn what they signing paaper states and I should not be made pay additional daily fees when I am have an early payoff but they wont even allow me to pay it off i have called 5 stores including corporate and my assumption is they are preventing me from paying it off early and dont want me to pay it off through my debit card which makes me think why are they trying to cause me to add more money to a loan i have paid {$150.00} dollars for a {$710.00} loan yet i still owe {$790.00} with this early payout that is not right and they are refusing me to pay it off i shouldnt have to pay anything since they are violating not allowing me to pay then they will make look as if i paid late, but this is a early payoff please looking into all the codes they are violating..and showing no sign of a early pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
The date that I sent the money to the scammer : XX/XX/XXXX Amount of money sent : {$2500.00} What happened : I got scammed through XXXX and mobile check deposit from the Bank of America XXXX. There was this guy appearing to be a recruiter for XXXX and he sent the part-time recruitment information to my school email address, with a weekly wage of {$500.00}. I was too careless to notice it was a phishing attempt ( because it was sent to my school email address, and the sender 's email address has the domain .edu so I thought it was legit ), so I replied by stating that I was interested in getting the part-time job. I did what I was told for my first task, which was to deposit a check using my bank app to transfer the money to the email address of the organization he is supporting through XXXX. He said the money will be received by the charity organization to purchase things for children, and I believed that! For the details, first I was told to send the money to XXXX, but it didn't go through, so he told me to send it to XXXX and it went through. He then told me to send him the screenshots of the confirmation of payment to another email address. I actually didn't know how the check works, because after I deposited the check into my account, I saw the fund was available in my bank account the next day and I thought the check was approved. But it turned out that the bank had to verify the check for a couple of days after that, and because it was a fake check, my money was deducted from my account. Until that time did I realize I was scammed. 

Action that I took : I went to the nearest Bank of America branch at XXXX XXXX XXXX XXXX, XXXX, NC XXXX, on XX/XX/XXXX, to report and ask if there would be any solution for this, such as a refund for a scam. But they refused to refund, saying it was me being careless that I transferred the money on my own, so they can not do anything about it.

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 2022-08-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been affirmed that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
( Original Creditor : XXXX XXXX ) XXXX Balance : {$39000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX : {$1000.00}

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 2022-12-09
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2022, I sent a domestic wire transfer from Chase to XXXX XXXXn the amount of {$70000.00}. XXXX has restricted my account. On XX/XX/2022, I requested that Chase retail wire transfer dept. recall the {$70000.00} from XXXX and transfer to my Chase checking account ending in XXXX. Chase has not contacted XXXX nor has XXXX sent back my funds to my Chase account. Chase inquiry # XXXX. XXXX case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I got behind in my vehicle loan beginning with the  XXXX  payment. I scheduled  XXXX  months of payments to come out on Friday  XXXX   XXXX   XXXX  . I had an issue with my other car loan with a repossession and had to get the vehicle back so my fianc could work. I paid almost {$2000.00} in fees for  XXXX  with them. Then they took out {$650.00} unexpectedly on my account at the same time  First Investors tr ied to take their payments. The bank paid the lower amount  XXXX  {$650.00}  ) and returned the First Investors payments. I am distraught and confused. I called First Investors as  soon as I realized what happened  XXXX  prior to them receiving the returned payment ) this morning. I was told that I do not qualify for a deferment based on having  XXXX  in   XXXX   of last year. Also, if I do not have a payment in by the end of  XXXX , they will send me a harsh letter demanding {$1400.00} from me or repossession. There is nothing they can do to help me per my account  XXXX ,  XXXX . Now, here 's some background and frustration . First Investors is a subprime loan lender who banks off of people in despera te measures trying to get a loan so they can work and have transportation. With my interest rate and payment amounts of {$510.00} a month, I am paying more than 3 times what the vehicle is worth. It 's highway robbery and they can not help their customers more in these financial situations? They have to understand that their customers are paying 3 times as much in monthly payments as a normal consumer would. I understand these loans are risky but at the same time, but {$510.00} a month for my vehicle is outrageous. I was promised when I got to the car that I could refinance for lower payment and now that is definitely not the case.

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 2022-08-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been affirmed that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX 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 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous account being reported on my File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/2022 and to inform them that I am halfway of taking legal action and sue Transunion for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is 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 2017-04-26
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I rented my basement to a gentleman and without my permission or knowledge he intercepted my mail, got my personal information and fraudulently used my name to open an account. I called them and they refused to listen to me, instead demanded a form of payment. I am a sing le mother   XXXX   XXXX   due to current health issues. I have no income, I even said if I could get this resolved with a manager, they refused. They refused to acknowledge that I was not at that location. This is a fraudulent charge and needs to be removed from my credit report ASAP. I want this removed from my credit report, and the charge removed, this is a fraudulent account. I need to resolve this in order to provide for my family. Please report this company as unable to attend to customer needs and refusing to provide escalation when needed. Someone open this fraudulently and I called them and they refused to listen to me, instead demanded a form of payment. I am a single mother   XXXX   XXXX   due to current health issues. I have no income, I even said if I could get this resolved with a manager, they refused. They refused to acknowledge that I was not at that location. This is a fraudulent charge and needs t o be removed from my credit report ASAP. I want this removed from my credit report, and the charge removed, this is a fraudulent account. I need to resolve this in order to provide for my family.

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 2022-08-01
Company: EQUIFAX, INC.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous account being reported on my File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/2022 and to inform them that I am halfway of taking legal action and sue Equifax for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, 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:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report inviolation of federal law. Please remove or update the following accounts completely frommy Credit Reports : XXXX 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 2022-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please read attached document " Bank of America Complaint to cfpb '' due to graphics unable to show in this format. Sorry for the inconvenience.

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 2022-12-09
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened checkings account with citibank 2 months ago, deposited almost XXXX thousands dollars! Few days later I tried to transfer {$500.00} from my citi bank to XXXX XXXX They kept on suspending my account! Called the technical support guys and they told me everything was fine and I could go ahead and transfer the money. After few tries they just closed my account for fraudulent activity, I had almost {$4700.00} dollars on the account! Been calling them for past 2 months they keep on ignoring me or hang up the phone on my face plus I ordered account statements they did not send anything except for a letter saying your photo copy request and. Reference no.

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 2022-09-27
Company: Spring Oaks Capital, LLC
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls at least XXXX a day from all different numbers. This amount was written off by the original creditor and purchased by Spring Oaks Capital LLC. Will not stop calling even after I've asked multiple times for them to stop. They are now also sending emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
End of XXXX, i discover that someone did a lot of withdraw totally XXXX in my Citibank account that dont have debit card and never had in XXXX  years a debit like those. This bank account wasnt used. We only had sent money to another account to pay bills. This was an account that we keep more amount of money and nobody has acess only I. 
Then they immediately refund the money and we block that account. And we move all amount to another citibank account that has debits for online commerce and everything. That is the account that occur the payments and everything. Then on XXXX XXXX citibank withdraw XXXX and move into compromissed account and paid those debits. 
I call yesterday XXXX hours and nothing. Today i opened XXXX claim and they told me that they wont refund because my case was not favorable and because this they withdraw the money without any consent. They never sent me a message. I dont know how they could withdraw from this account because i never did on XXXX  years. I dont have any relationship with the companies that make debits there. I fill out a police report also that number is XXXX. Now i had customer that deposit XXXX in this citibank account and citibank dont send me this money back also. I urge need help to solve this. Its my name, its my company name.

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 2022-12-09
Company: GOLDMAN SACHS BANK USA
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Sometime back in XXXX, Marcus by Goldman Sachs stopped sending me paper statements. Because of this I missed a payment. Marcus suspended my card. I immediately paid off the card and closed the account because I felt like that was a terrible way to do business. I never received another paper statement and I had a positive balance of {$.00} on the account when it closed. Several months later, I noticed that my credit score had dropped by XXXX points because Marcus reported my account as delinquent. Turns out they had charged me some sort of bogus interest fee after the account was closed. I had no idea it was even there. This has started a cycle of " missed '' payments, late fees, and interest charges. I have been trying to work with Marcus to get this resolved. I was advised by XXXX of the Managers to make a payment for the balance to stop all of the interest. I was told it would be refunded when the dispute was settled. I finally received a check for that payment back, and then this month, they charged me a late fee on the money that they just sent me a check for. I have called and tried to get to someone who can reverse everything and am getting nowhere. I need them to get my credit fixed ASAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-23
Company: PRIMARY RESIDENTIAL MORTGAGE
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Home buying is supposed to be a happy and exciting process, for us it hasnt been thanks to PRMI to be more specific XXXX XXXX. She has single handedly sabotaged our closing on our first house. She was upset that we switched lenders and fraudly got a case file on our house and put in incorrect information intentionally to stop our process, which has so far worked because this is the third time our closing has been delayed thanks to her fraudulent ways. I personally called her boss, XXXX XXXX, who was polite but very dissmissive of our complaints and seen that XXXX did no wrong. XXXX isnt the word, im livid and just outright upset that my family which include two small children are still living in an apartment complex that has a shooting every night and has had our personal vehicles vandalized because XXXX wouldnt take no for an answer. She needs to be fired and her boss needs to pay attention to how she is ruining dreams for innocent people.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation