BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was not sent in error I am a consumer by law and I am frustrated. As of today its been over 90 days and they have yet taken any action to correct the inaccuracies. They Violated The United States Code Law under permissible purpose. I never gave them any written consent to report anything on my consumer report no consent is identity theft.

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 2022-05-19
Company: Open Dealer Exchange, LLC
State: VA
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:
On XX/XX/2021, I went to the dealership looking for a car. I found the car I like. My sales person told me that he was only going to run my credit through XXXX XXXX XXXX XXXX. I ended up with more than 10 hard inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: TENET HEALTHCARE CORPORATION
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Received a call from this company saying they were going to sue me for a XXXX dollar debt. I thought it was a scam until I seen it on my credit report. Told me they will garnish also my wages if I did n't set up a method of payment that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: ALLY FINANCIAL INC.
State: NY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
To Whom it May Concern, Enclosed is documentation regarding our dispute with Ally Bank. We had a 36 month lease agreement with Ally on automatic bill pay with our bank. Ally bank took {$99.00} out of our account for the last payment so we assumed that was the balance due. Then we got a bill claiming the balance due plus late fees which we paid. We tried to get them to waive the late fee. They refused. Then we received a bill for the XXXX ding in the windshield. We asked them for a receipt as our insurance company said they would pay it. They refused to give us a bill. Now they are adding late fees to the billAttached is the documentation. 
Thank you for any help you can give us, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Per attached XX/XX/XXXX Transunion confirmation-File # XXXX, my credit File had an Extended Security Freeze with assigned PIN ( applies to all XXXX Bureaus ). XX/XX/XXXX I requested annual credit report and XX/XX/XXXX Transunion responded they had already provided to me. Transunion has 1 ) requested {$11.00} fee from me, which I do not owe since I never got my annual credit report, 2 ) violated my privacy releasing my ENTIRE credit report to an UNKNOWN PARTY without A ) ANY SECURITY FREEZE verification B ) not to MY ONLY VALID MAILING ADDRESS C ) nor to MY VALID EMAIL 3 ) Could be fraudulent reflecting data but unable to determine until I have my transunion report. At a minimum, I will require Lifetime Free Credit Monitoring be provided as I have police reports, etc. filed with XX/XX/XXXX letter ( all documents sent cert/return receipt. ) This is totally unacceptable and you can not speak to a human being regarding dispute & /or potential Fraud. How can this be ACCEPTABLE. 


, 3 ) violated Privacy and, which they had not. Transunion DID NOT follow their Security Freeze protocols and breached my privacy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My wife filed for bankruptcy years ago.The mortgage company put a lien on our home and she paid it off. The bank sent a letter stating the debt was paid in full but now they will not remove the lien. This has been going on for two years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

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 2022-10-02
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was being charged a {$36.00} insufficient fee on XXXX cents at Regions bank starting 2019. I went to a local branch and nothing could be done. They suddenly stopped but I was not reimbursed the money I was already charged.

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 2016-11-05
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I was overdraft XXXX at XXXX $ via PNC for a bill that their website claims is paid. They defaulted my bill pay to an account that was empty but attached to XXXX with XXXX $ in it. They have been pulling slimy maneuvers like this for far too long with me, and I 've had it. I just had to put XXXX $ in an account to cover a bill that was originally XXXX XXXX They tacked on an additional XXXX $ in fees because they bounced the payment from my account XXXX. The thing that tops this cake is that i spoke with someone on the XXXX with PNC and the last thing she told me was that it was taken care of and i would be reimbursed ; that was a 20min conversation. Today i spoke with someone, and that was another 30 min of my day, just to have her tell me that someone would be in touch within 3 business days. 

Just a month ago I lost my wallet, had to put money in my account so i would n't overdraft, they charged my account XXXX for a card on the spot, without telling me! Just charged my account. So i had to pay XXXX, to use the atm, so they could not charge me XXXX $ overnight for a XXXX $ discrepancy. All because they charge me XXXX $ overtime I use a teller. 

Its a travesty.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: STONEGATE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My wife XXXX purchased a house a little less than XXXX years ago. We were approved for the loan and the appraisal was completed and we closed on the property. The house is a XXXX level property with internal stairs connecting the XXXX XXXX XXXX floors. An external staircase allowed for access to the XXXX XXXX XXXX level. The appraiser did not make any deduction in the appraisal for the external staircase. 
We refinance the house several months ago and during the appraisal process, the appraiser for the refinance did not fully recognize the sq.ft. of the XXXX floor, since you have to use an exterior staircase to access that space- essentially using a different method for appraising the property. The difference in market value is approximately {$57000.00}. I have made complaints to both appraisers and the lender- with no satisfactory actions to date. The inconsistency of the process and the seemingly arbitrary way of deciding what is allowed and what is not puts the consumer in a disadvantage especially when the consumer does not control any part of this process. I am seeking restitution of {$57000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have never lived at one of the addresses on my credit report : XXXX XXXX XXXX. 
XXXX XXXX, In 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 2015-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
countrywide mortgage took a pre existing home equity loan for XXXX dollars and without my consent or knowledge changed the loan balance to XXXX dollars in which I, ve been paying for since 2007. the loan was sold to bank of America and than to XXXX I, ve pursued this matter vigorously to where bank ok America has investigated this complaint thru it, s CEO president XXXX XXXX XXXX who informed me after a thourough investigation she had no other options but to refer this case to their fraude dept. I was told by XXXX that after 30 to 60 days that the fraude dept would be in contact with me, it, s been close to a year now with no contact, I, ve tried contacting XXXX since than with no success. I, ve filed a complaint by mail with CFPB with no success, I, ve attempted to employ the FBI to look into this obvious case of bank fraude with no response. bank of America has turned this case over to the fraude dept and I, am still paying as of this date for a fraudulent loan

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Bank of America is allowing fraud since a merchant received items back and has kept my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: FL
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 has been a stream of accounts opened under my name and social security number. I did not recognize nor authorize any of these accounts that I have reported. 


XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) the following inquiries are fraudulent ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Initially all of my consolidated loans totaled to be approx. XXXX. However, since my loans have been with Navient and the loans have been in deferment and forbearance, my total has increased to over XXXX with the interest. I am now repaying loan on the Income based repayment plan, but I am not able to see how this is decreasing my principle amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Delinquent account

Complaint:
on XX/XX/2017 I went into the Macys store in XXXX in XXXX Illinois to make my payment in full that was due XX/XX/2017. The payment was done by electronic check and when the payment cleared on my bank statement I destroyed the check. Macys sent me a bill the following month that st5ated no payment was made and billed me late fees and finance charges. Macys took my money and applied it somewhere but not to my account. I contacted XXXX bank and filed fraud claim number XXXX on XXXX to date macys has my money and XXXX has not advised if they were able to trace the funds.

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 2016-09-03
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/2016, US Bank sent me a letter stating that, I owe them {$1200.00}, they already closed the account, but I 'm the one responsible to pay them back. It was really out of blue, cuz I 've never opened an account with US Bank. So I went to the US Bank Branch in XXXX and found out the account was opened online, and I immediately assumed that my former roommate XXXX XXXX XXXX XXXX did it as he was arrested for Identity Theft and Commercial Crime on XXXX/XXXX/2016. After his arrest, we found images of my Social Security Card and Drive License along with other victims 's on his computer. So I explained all this to the Branch manager and opened a claim for fraudulent open account. During investigation while I was there at the Branch, the Branch manager pulled out records of a few deposited checks in that closed account, including fake checks which XXXX XXXX made himself and a stolen paycheck from my neighbor. So I asked the Branch manager for copies of the check images for me to file a police report with, but she refused to give them to me, her excuse was that she did n't have permission to which was an obvious lie as they claim it was " my account '', why would n't she and I have permission to access " my own account ''? Anyway I left the branch after I filed the claim. Upon request, I followed up with my statement and a police report I made a day after at the XXXX Branch. But after a week or so, US Bank sent me a letter stating that, they closed the claim not in my favor, the accounts were not open fraudulently, and it is a civil matter between me and my roommate. After that I called US Bank many times to ask them for explanation, they could n't even give me any detailed explanation but was only basically saying that it was my fault for having allowed my roommate to gain access to my personal information, which seems like total nonsense to me. Then I asked the supervisor of the claim department over the phone to provide evidence they have to prove I was really the one who they believe opened the account, but she came up with excuses trying to avoid getting into that conversation. 
I, Ran He as a victim is being treated unfairly by US Bank whom does n't care about right or wrong, but is only concerned about regaining their loss. To me, this is not only about money but also justice that needs be justified and solved in a righteous way!

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 2017-01-03
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I XXXX Started working with XXXX around XX/XX/2016 on a home loan I were often given misleading information on the American mortgage program I asked XXXX twice can you buy any where you want in the state of XXXX he told me yes the biggest misleading information that was given was after I had gone under contract in XX/XX/2016 the realestate agent submitted a inspection objection addressing safety concern and items that needed to be fixed the items would be the owners responseability to repair I received a message from XXXX saying the appraisal has come in and it is subject to gutter down spouts I called XXXX and I asked him are theese the only items that need to be fixed to obtain the loan he told me yes so I called the realestate agent to let her know so she said let me verify this with XXXX so she verified it and we replaced the inspection objection with gutter, downspouts and extensions XXXX notifies me by email a couple of days after the inspection objection had been replaced and after verifying with him that those were the only items that needed to be fixed he sent me an email with all of the items we originally asked the sellers agent to have the owner to fix and then he said I would have to escrow for the repairs and that it XXXX affect my debt to income ratio this misleading information was caused by 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 monetary relief
Consumer complaint received 2018-05-28
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, as I checked my XXXX XXXX account, I noticed that a 'derogatory remark ' was added to my credit reports from XXXX and XXXX . The collection agency that placed the 'derogatory remark ' on my credit reports is Paramount Recovery, which is located at XXXX XXXX XXXX. , XXXX XXXX, XXXX , TX XXXX. I immediately sent a debt validation letter ( certified mail with return receipt ) to Paramount Recovery requesting validation of the debt as well as HIPPA authorization due to this being an alleged medical debt. Paramount Recovery acknowledged receipt of my debt validation letter by signing the certified mail return receipt ( green card ) and dating it for XX/XX/XXXX. The representative from Paramount Recovery who signed the certified mail return receipt was " XXXX XXXX. '' From XX/XX/XXXX until present, I haven't received any communication from Paramount Recovery regarding my debt validation letter or have received any of the requested information stated in my debt validation letter. Paramount Recovery did temporarily delete the 'derogatory remark ' from both credit reports ( XXXX and XXXX ), but reinserted the 'derogatory remark ' a few days later. I have NEVER received any proper/prior written notification from Paramount Recovery regarding this account. They just one day decided to insert this 'derogatory remark. ' Also, they have placed this 'derogatory remark ' on my credit reports without any account number from the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: U.S. BANCORP
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
The escrow account was negative in the amount of {$1000.00} for homeowners Insurance was XXXX payoff. I do n't agree with the amount.

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 2015-10-20
Company: U.S. BANCORP
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
XXXXMy name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ( XXXX ) XXXX cellOn or about XX/XX/XXXX my XXXX company transferred funds into my bank account at U S Bank. But my bank decided yo hold my funds, close my account and they are refusing to release my funds. I have spoken with the following bank representatives several times to secure my funds. But they insist that they have the right to put me on Chex XXXX, hold my funds, and are refusing to let me draw out my money! This has caused my mortgage to bounce because I need my money! 



I am on XXXX. I have XXXX XXXX and a XXXX XXXX. It is hard for me to walk! Please help me to recover my funds which the bank is holding unnecessarily long! It has been almost 30 days! 



The Bank representatives who are holding my funds : XXXX XXXX XXXX Brach Manager U S Bank XXXX. XXXX XXXXBoth have this telno XXXXThank you for any help you can give me! 



I need to be taken off of XXXX ( I do n't owe the bank anything not even fees ) I need my funds released immediately! 

Please help me! 

How do I get removed from XXXX? I do n't owe my bank anything! 




XXXX XXXX Check hold XXXX XXXX XXXX Dept XXXX U S Bank

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: U.S. BANCORP
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We never received our property tax check. We called US Bank in XX/XX/XXXX. US Bank told us they were fed exing the property tax check. We never received it, and followed up with US Bank in XX/XX/XXXX. US Bank promised to wire funds directly to the government where the property taxes were to be paid. We received confirmation from US Bank that the property taxes were paid XX/XX/XXXX XXXX. In XX/XX/XXXX we received a notice from our village that the property taxes were not paid. Followed up with US Bank XXXX XXXX. US Bank noticed that only {$80.00} was wired for our taxes. They said they would cover any penalties and pay the taxes. Followed up with village today, XXXX XXXX, and taxes are still not paid. Followed up with US Bank. They are now still researching.

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