BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-22
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX {$15000.00} was wirelessly transferred out of my Citibank checking account without my authorization. I did not receive any alerts from Citibank by text, phone or email when this transfer occurred. I noticed the missing funds when I checked my account that evening. In addition, I was also charged for the wireless transaction that I did not authorize. I immediately called the Citibank fraud unit and informed them of the fraudulent activity on my account. I also completed an affidavit at my local branch on XX/XX/XXXX. I filed a XXXX  report at my local precinct that week. The fraud department at Citibank notified me that even though they have evidence that this transfer was fraudulent, they need to investigate further and that this investigation could take up to 60 days. I called weekly to get an update and ask for escalation however, I got the same response each week " We have a lot of cases and you have to wait ''. They also told me that the investigator completed the investigation and they are waiting for an approval from the back office team. The investigation took over 90 days, which exceeded their 60 day time frame. 

On XX/XX/XXXX I received a decision letter on Fraud Claim from Citibank ( Claim Number # XXXX ) with the following message, " We have completed our investigation of your fraud claim. Please note that it has been denied. Our decision was based on " You did not take adequate steps to safeguard your account ''. 

I do not agree with this decision. My account information including my debit card and banking checks were not lost or stolen. I in no way did not take steps to safeguard my account. A wire transfer was completed without my authorization. There is no way I could have prevented this event from occurring. Citibank confirmed that it was fraudulent but are placing the blame on me. My funds at Citibank are FDIC insured up to {$250000.00} and yet they will not return my funds to me. 

I am going through economical hardship and Citibank has been not sensitive or helpful in navigating this process, even though I have been a client of theirs for over 20 years.

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 2017-05-26
Company: Source Receivables Management LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Source  Receivables just reported a collection account on my report. Prior to reporting it, they did n't send me a notice of right to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I've been contacting Equifax for over XXXX months trying to change my address. First I tried to do it online by downloading documents on but it wouldn't work. The website was not taking my documents. I've spoken with a customer service representative from Equifax at least XXXX times and I still haven't gotten anything resolved. After I couldn't download the documents on the website when I was speaking with the customer service representative on the phone. They sent me a link to click on to see if I can send it that way that didn't work. So I called Equifax and find out what I can do other than download the documents they told me to send in a copy of my social security card my driver 's license and a copy of a utility bill which I sent in XXXX months ago I've been calling trying to find out whether they received it. Or find out whether there's has been any update and I keep getting the runaround from them. I've been going through this process for over XXXX months now and I haven't gotten any results. The address that they have for me on file is not the correct address I have lived XXXX places since that address. I'm at my Wit 's end and I don't know what else to do I sent in my information. Which I checked with them and they saying hat they did not get it and there's no update. At the time that I did call for the update I asked them to send me out a credit report. Which I didn't get, they sent me a bunch of papers explaining some stuff that I didn't even ask for. And the only thing that they sent me as far as a credit report they didn't send anything as far as my personal information on a credit report all they sent me only a list of inquiries. The customer service is terrible and I don't know how to solve my problem they have my address down is something that it is not. And I haven't been able to change it. This is really frustrating. I don't know what to do I need advice on what I need to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: MA
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:
My name is XXXX XXXX XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND LATE PAYMENTS from my credit report immediately. I have been trying to remove this inaccurate information for over 9 months now, please update and comply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act, 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 an 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 non-monetary relief
Consumer complaint received 2017-01-26
Company: GREAT LAKES
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My student loan payments were being applied to a loan that did n't exist during a period of time in the beginning of my loan payments. The loan company thanked me for catching this error but did n't move the payments back over. I 'm not sure where the money went but I was then told I was well behind on my monthly payments. Again, payments were being drawn out and applied to a loan that does n't exist. On numerous occasions through XXXX they 've pushed forbearance as an only option for me with my student loans. I 've tried income based payments but whenever I gave my amount ( XXXX ) they 'd always tell me that I made too much to help lower my payments which then put me into forbearance. Currently there is a loan out there for " {$2500.00} '' that now is going up at 24 % a year in interest but I was only made aware of this loan in the past 6 months but it 's apparently from 2009 and the creditor is the XXXX. I ca n't get proof of the loan paperwork nor do I recall ever taking a loan out through my own University ; plus I 'd of never applied for a {$2500.00} loan due to not needing those funds. Now this loan has gone up to {$5000.00} and increasing each year until it 's paid off. I 've tried to work with the XXXX but have gotten nothing but payment requests back. The Agency used my resume from a job application in Michigan to track down my employers and ask them if I was still employed. Consistently harassed by phone calls for payments I 've stated I ca n't make, documentation sent out for wage garnishment. The Agency harassing my parents for payments or work information. After looking at all my Federal Loans Online the amounts listed are much more than would be required for schooling and no matter the amounts paid there is no relief in sight to get help moving the balances down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: Altisource Portfolio Solutions, S.à r.l.
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
We closed on our home on XXXX XXXX, 2015, signed a HUD statement and loan documents, wired funds to the title company, were given keys to the home and told we were closed and could move in. XXXX hours after closing, we had to go back and resign a HUD, and the statement reflected we were to be reimbursed money, which we still have n't received to this date. On or about XXXX XXXX, 2015, we were contacted by XXXX XXXX at XXXX Mortgage Company, who stated they received their loan proceeds funds back that day, even though she has signed loan documents in her file. XXXX then proceeded to tell me we needed to sign an early occupancy and extended closing date form and that all would be good to go. On or about XXXX XXXX, I was contacted by my real estate agent informing me that we needed to move out immediately because there was a mix up between our lender and title company and that we did not technically close as the deed still has not been filed. On or about XXXX XXXX, I learned that my lender sent our loan funds to the wrong company, being a sister company of XXXX XXXX XXXX XXXX XXXX and the sister company never sent those funds to the XXXX GA branch. Therefore the title company never recorded the deed or mortgage documents. However, we have been living in the home since XXXX XXXX, 2015, and no one ever contacted us to say there was an issue before XXXX XXXX or that we needed to move out until on or about XXXX XXXX. No one has ever refunded our funds we wired to the title company, where is that money? Dry closings are supposed to be illegal in the State of Nebraska, had the laws been followed, we would n't have been able to close, as that title company did not have the funds in their account, only mine and my husbands funds were in their account. My lender will now not provide me with any documentation, ignoring my phone calls and that I need to talk to her boss, who will not return phone calls either. Now, my family is out on the street until something is resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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, 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 2022-07-17
Company: Fidelity National Information Services, Inc. (FNIS)
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:
ChexSystem continue to report and unauthorized inquiry from XXXX XXXX XXXX that I didnt apply for and didnt authorize XXXX XXXX  XXXX or any other company to pull my consumer report. This inquiry is unauthorized and fraudulent. Chexsystem is violating my federally protected consumer rights by continuing to report this fraudulent and unauthorized inquiry after I have explained why this inquiry is fraudulent and unauthorized. The company doesnt have a contact number on the report so I couldnt contact them via phone. This inquiry that is being reported by Chexsystem is totally fraudulent and unauthorized and violate my consumer rights under the FCRA.

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 2016-12-22
Company: TMX Finance LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Myself and the staff at my job have ask them to stop calling the work phone after they have call 5-10x in one day\ in less than 10 seconds apart. 
You ask who they are and they get really rude and aggressive. 
After explaining to XXXX at Web-cash that we ca n't accept any personal calls at work he became even more aggressive. 
I 've explained that i ca n't talk about person business at work. and I 'm not even sure if I 've ever had a loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concern, The reason for this letter it to dispute multiple unauthorized inquiries on my credit report. On XX/XX/XXXX, I retrieved a copy of my credit report TransUnion and discovered multiple unauthorized inquiries that I have no knowledge that is on my consumer report. 
Because I did not apply for credit with XXXX XXXX  INQUIRY DATE : XX/XX/XXXX ; XXXXXXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX  INQUIRY DATE : XX/XX/XXXX ; XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXXXXXX INQUIRY DATE : XX/XX/XXXXXXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX XXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/XXXX ; AND XXXX XXXXXXXX INQUIRY DATE : XX/XX/XXXX ; I have also reached out asking that they remove the inquiry from my credit profile.

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 2016-02-11
Company: PRESTIGE FINANCIAL SERVICES INC
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Well I got a loan on a XXXX Toyota Corolla. The Dealer told me to drive the car for one year and pay on time.He told me I could refinance. That did not happen. I pay XXXX a month for 72months. By the time I get through paying for that car. I will have given them {$37000.00} Which is outragous I have already given them over XXXX dollars.

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 2020-03-13
Company: Santander Consumer USA 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: Investigation took more than 30 days

Complaint:
I had a payment plan in motion and up to date with Santander for an auto loan and they repoed my car regardless of our verbal agreement. I have went back and forth disputing and it has ruined my credit I cant even get a credit card to buy school clothes! There are class action law suits Im getting involved in after I research more.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfers
Sub-product: International money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
I had money transferred from a foreign account in XXXX to our ( my wife 's and mine ) checking account in the US. The incoming wire transfer was recorded on XXXX/XXXX/2015. Our bank applied an interchange rate of XXXX. However, between XXXX and XXXX, the recorded interchange bank rate on publicly available forex sites was never fluctuating below XXXX ( XXXX = XXXX US ). Based on the applied interbank rate, we lost ca. XXXX US- $ to the bank. After following up with our bank, we discovered that since it is not a regulated part to the banking business, that banks apply the interbank rate they deem appropriate to make money. However, we are already paying money in regards to sender 's fee and other. At the same time, a similar transfer at a lower amount in XXXX was n't subject to the same interbank exchange rate. The rate was the same as the information shared by XXXX trade sites.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2019, I applied for a {$40000.00} auto loan. Due to starting a new job, I provided to Navy a copy of 1 check consisting of two week pay ( {$8800.00} ) and my offer letter detailing that my yearly salary is {$190000.00}. It is clear that I am able to afford a loan of this type. But according to Navy personal, because I am on a contract I do not qualify for a loan and was denied. After speaking with them, I requested to modify the loan terms to {$20000.00} and 1 year loan. That too was denied. This is America, therefore, not every job is guaranteed. I was told, due to the fact that there is an expiration date to my contract I would not qualify for a loan. As a part of that offer letter, it states the possibility of extension. For every contractor, work is based on a length of time. Navy Federal has discriminated against me. And, most federal jobs today are based on contract. Navy Federal is denying those with the ability to pay loans solely because they are on a contract. 

I would like to have the discrimination practices stop by Navy Federal Credit Union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
It has been over 4 MONTHS since my last complaint about receiving my CREDIT " FILE '' and Transunion still has not sent it to me at all. They only sent me my ''CREDIT REPORT '' and at this point are playing games with me. If TRANSUNION does not send me my ''FILE '', also known as CREDIT FILE, within seven days of seeing this complaint LITIGATION WILL BE BROUGHT UPON THEM IMMEDIATELY!! TRANSUNION is now in violation of 15 USC 1681g ( a ) and 15 USC 1681g ( a ) ( 1 ).

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 2016-07-19
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On or about XXXX XXXX, XXXX, I contacted the lien holder of my vehicle, a 2014 Hyundai Sonata, to inform them of a recent financial problem I experienced during my home buying process. I spoke to an account manager by the name of XXXX or XXXX and informed them that a homebuilder in the XXXX area refused to return earnest money I applied against an inventory home. The builder refused to sell the house to me and I immediately requested a refund. I am currently 18 months into Chapter XXXX bankruptcy and I made arrangements to double my monthly car payment of {$440.00} for an {$890.00} payment to be debited from my checking account in XXXX. Prestige Financial debited the XXXX payments and then reported my account 30 days for the month of XXXX. I requested stating that payment arrangements were made and that according to the account manager, I would not be reported late to XXXX and XXXX. I believe that Prestige Financial and my bankruptcy attorney failed to work with me in good faith to prevent this devastating situation from occurring. I am still very much involved in my home buying process and I am extremely distressed by the conduct of Prestige Financial in regards to the handling of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: GREAT LAKES
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been making my payments via automatic deposit. I have set it up so that I pay more than what is due. I recently noticed that my account said that my next payment is not due for another XXXX months. I had intended the extra money per month to go towards the principle of the loan. I called Great Lakes and asked them to do this. The customer service lady gave me the run around and eventually told me she could not do that. However, Great lakes website says that I CAN in fact do that and that there is no penalty in doing so. They are charging me interest daily and I tried to explain that I did not want to get charged daily interest on a principle that I was trying to pay down.

Company response to consumer: Closed with explanation