BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-17
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Let me start this by stating I am a XXXX XXXX and the pure mishandling and complete non help I have received is ridiculous. On XX/XX/XXXX, I received a notification from my XXXX app that my XXXX  delivery was on the way. I hadnt ordered this but somehow my card had been charged twice for a chipotle delivery to a California address and pickup in NJ. The amounts were {$93.00} and {$48.00}. I reported it to my bank immediately and they stated that they couldnt do anything because the charges were pending. I continually called back until they were able to actually create a claim. The claim was created then they informed me that they couldnt complete the refund because the charges were authorized. I called again and created a new claim which as of today I found out no one ever refiled my claim. I received a new card and now here is another fraudulent activity spotted. On XX/XX/XXXX there was a fraudulent charge for XXXX  for {$89.00}. As well On today ( XX/XX/XXXX ) a charge for {$820.00} with XXXX XXXX. I looked up this business it is a business for truckers to use an account to get diesel for their trucks. As previously stated I AM A XXXX XXXX, I dont even know a truck driver. I immediately called my bank and tried to dispute the charges but I received the same response that they couldnt do anything because the charges were pending. I asked to speak to a manager, and she told me there was no manager available. I will be removing my money and putting it in another bank account. Not to mention that on XX/XX/XXXX I received a text message from a number saying there was fraudulent activity on my account. It was someone posing as Truist because I then received a call from a number asking for my user Id and password which Truist never does. TRUIST HAS DONE ABSOLUTELY nothing to assist or help me to retrieve my money in fact I feel as though they are in on the scam and fraudulent activity they are allowing and doing absolutely nothing to assist or stop it. They just continually send new cards and do nothing about the issue. As previously stated, I am an XXXX I need every penny that I make. This is sad and disheartening that this is what the world has come to. I am filing a police report because that is the only way my problem will be solved.

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 2016-01-25
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My loan was transferred to Green Tree LLC/Ditech.During the time with Green Tree now Ditech I was asked to send documents etc for Modification evaluation which I did, the latest being in XXXX 2015. A letter I received from Ditech dated XXXX indicated they had received everything and that the evaluation could take approx. 30 days. Now on XXXX XXXX I received another letter saying I was not eligible for HAMP etc. A short time for a real evaluation to take place. Previously I had received to Trial Modification offers which were declined because the amount asked for was in fact higher than my original mortgage payment. Both were neither reasonable or manageable based on our current financial situation. My acceptance would surely have resulted in another default. I think it is time for a Servicer change, a Principal Reduction Alternative ( PRA ) or a Cancellation of the debt with the understanding that in 7 years I would deed the house over to XXXX XXXX. Someone needs to be creative regarding a modification for us like paying 10 % of our gross income for an agreed up time frame ... ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Resurgent Capital Services L.P.
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 act LVNV FUNDING LLC # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My ATM Debit card was used to make unauthorized purchases. The purchases occurred on XX/XX/2020 and XX/XX/2020. On XX/XX/2020 I realized that my ATM Debit card was missing and I reported this to Bank Of America. Bank of America opened up a Fraud Claim. I also went to the police department and filed a theft report. After hearing nothing from Bank of America on my fraud claim, and receiving no funds back into my account on XX/XX/2020 I called Bank of America and they told me to send them a detained explanation of what fraud occurred, and to include a list of the transactions that were fraud. On XX/XX/2020 I faxed Bank of America the requested explanation and transaction list of fraud. On XX/XX/2020 I received a letter from Bank of America dated XX/XX/2020 in which they denied and closed my fraud claim. On XX/XX/2020 I call Bank of America fraud department and expressed total dissatisfaction with the denial of my fraud claim. The bank rep. re-opened the fraud claim. I continue to wait for resolution from Bank of America. XX/XX/2020 I called Bank of America fraud dept. and got no where. Therefore I faxed another letter to Bank of America XX/XX/2020 with and the repeated details. I called Bank of America fraud dept. on XX/XX/2020 and spoke with rep. in TX named XXXX, he stated to me investigation looks good and they have issued provisional funds. I called Bank of America fraud department on XX/XX/2020 spoke with XXXX and she re-opened the fraud claim, ( she told me it had been closed ). On XX/XX/2020 I sent another fax with letter to Bank of America Fraud department and attached transactions that I say are fraud. In the meantime I was unable to log on to my bank account and found that Bank of America had sense closed my account. I received a letter from Bank of America dated XX/XX/2020 telling me my account has been closed. It is now XX/XX/2020 and I have be left without any money to live on, I had {$55000.00} in my bank account this does not including what was taken from me in fraud. Bank of America has not given me my money, they have closed my bank account and most importantly not honored my fraud claim. It is important to mention that since filing my thief report with the police department they have investigated, found evidence of theft from video surveillance cameras, identified a perpetrator and sent the file to the district attorney.

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 2016-09-16
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I, XXXX XXXX, am extremely disappointment with DITECH representatives and all the miscommunication I have been receiving. On XXXX XXXX, 2016 my legal representative from XXXX XXXX XXXX had a phone call from XXXX extension XXXX who is my single point of contact. She requested the Non- Borrower credit authorization form, but never specified that DITECH required a legal form, she told XXXX XXXX XXXX XXXX XXXX that it could be a hand writing authorization. Yesterday XXXX XXXX XXXX called to do a follow up regarding my case and was told that my file was submitted to the under- writer, but that the Non- Borrower income presented was not going to be used due to that fact the Non - Borrower credit authorization form was n't acceptable. I 've been trying to get a Lon Modification for that last year and has been denied for income purposed. I need my daughter 's income to be used in the review. I ask you to please take into consideration my daughter 's income, who is my contributor.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: CA
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-07-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Subject : XXXX and XXXX XXXX 's Account Number XXXX This letter is to dispute the correspondence dated XXXX XXXX, 2016, where XXXX XXXX with Wells Fargo Recovery Group determined our account was handled appropriately and he found no errors in servicing our account. 
I respectfully, XXXX XXXX can in fact prove without a reasonable of a doubt that Wells Fargo Loan Mitigation department and the assigned loan modification rep, XXXX XXXX, misplaced legal documents needed on our account and ignored numerous incoming phone calls / voice messages requesting confirmation on the requested documents needed to proceed with my loan modification request. 
I am asking this denial be over turned and reopened as well as all phone logs/records to show I did in fact call multiple times and left multiple messages on XXXX XXXX voicemail of which all were ignored. To refuse to reopen this matter is wrong and would amount to predatory lending practices and a violation of the lending laws. 
Please advise as soon as possible if you are agreeable to rethink your denial letter in getting back our home and to avoid further legal action here on our part. We have done everything asked of us and in a timely manner. This was my second time to request a loan modification with the first time being fully completed with no issues or missing documents. In addition, I have all backup paperwork sent in to Wells Fargo and phone logs recorded on all conversations that were answered and not answered by XXXX XXXX. I look for your response soon and If you need anything further, please contact me at XXXX or email me at XXXXXXXXXXXX

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 2016-11-15
Company: ALLY FINANCIAL INC.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Vehicle was traded in and paid in full by XXXX XXXX XXXX XXXX and Ally Financial released the title to the dealership ( which in turn went to auction ). Ally financial continues to contact and harass me after advising them to stop. They released the title and I no longer own vehicle.

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 2022-09-15
Company: NAVY FEDERAL CREDIT UNION
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 have been a member with navy since XXXX but since XXXX of XXXX there has been ongoing issue with my accounts one was with a hotel that stayed at during may they were supposed to give me my XXXX deposit back which they later than took from my account even after i showed them all the transactions from the account there is nothing in the account that a deposit was given back to me from this hotel called the XXXX XXXX  i told navy that they did not give me back my deposit of XXXX for my stay there so navy just took the deposit back from my account which was not my fault that the hotel did not give me my deposit back i even reached to the hotel about this but nothing was done so now i feel like at this point they will not give me my money back right now i'm struggling and i can barely get by as it is i really need my money back because this is such an inconvenience especially since I'm on XXXX and I'm not able to work and only get but so much so its not like i have money to get by i wish navy would understand that as well i feel like they are playing with my money and don't care what i'm going through and i really need my money back from the hotel stay promplty

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX  and Transunion should not be reporting me as an authorized user on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-09-26
Company: EQUIFAX, INC.
State: PA
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I received a Motion for Writ of Possession dated XX/XX/XXXX show a certificate of service in mail and I have reached out to the mortgage company several times and we was in the process of modifying the loan. I am a victim of Predator Lending. The deed of Trust identified Lender as America 's Wholesale Lender and Stated that XXXX '' ) was acting solely as a nominee for Lender and Lender 's Successors and assigns '' and was ". I was giving an " Adjustable Rate Rider '' ranging from 8.5 % XXXX 2 years, 10 % interest payment XXXX XXXX ), 11.50 % ( payment XXXX ) and 12.875 % ( from payment XXXX to the end of the loan ). In XX/XX/XXXX I purchase a home with a mortgage loan XXXX {$370000.00} and XXXX {$90000.00} mortgage with the same company. 

I am not sure what happened where I stand right now my children are going to be homeless to the fact that your company refused to modified my loan. Worst thing that when I thought they were in the process of modifying my loan instead they decided to foreclosed and sold my home without notifying me the process. I believe my note is an Unendorsed Note by XXXX. My loan documentations is an open book XXXX XXXX XXXX XXXX XXXX. 
Green tree and Bank XXXX when i asked to speak to someone regarding because of my language barrier i get the run around. I went to the court they informed me that they have a court date on XX/XX/XXXX @ XXXX. And they stated that your home was sold since XXXX we do not have to contact you or serve you. If you received the Writ that means you was notified. I received the Writ thru regular mail dated XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I applied for a personal loan today XX/XX/2021 and I was not approved because apparently there are some accounts reflecting badly on my credit report. The accounts are from several different companies all of which I do not have any contract or agreement with. The accounts listed on this report do not belong to me nor did I benefit anything from them being opened in my name such as money, goods, services or any other benefit. I also did not make any payments towards these accounts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

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 2016-09-29
Company: World Acceptance Corporation
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took a loan from word Finance. I made several payment and could not continue paying it off. They filed a law suit against me to garnish my pay check. They have my address, they sent the paper at my work address. They served me while I am at work and it is against the company policy I have been placed on probation at work. I called the head office of Word Finance to talk to them. Spoke to XXXX she said will send me a paper to come with a payment and never send the paper and since I did not receive it I went to court. That is when I saw a lady saying I am here to file a garnishment to have their money back. She did not have any clue about the conversation I had with home office and no communication at all between their representative. The judge heard both of us and she could not answer any question. The judge told her to really be careful before they served someone paperwork. They judge did not like the idea they served me while I was at work. He told me I am leaving in XXXX county they will transfer my case to XXXX county. They charge the debt off my credit report as a bad debt and they want to garnish my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: EQUIFAX, INC.
State: PA
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:
XXXX I am I`m a victim of Identity theft. I am enclosing my Driver 's license, Identity theft report where I listed all the charges that I did not make from Federal Trade Commission and a notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Through XXXX I received notice that there has been a hard inquiry on my TransUnion report from XXXX in XXXX, WA XXXX XXXX XXXX XXXX XXXX. 
Neither I nor anyone in my family has had any contact with XXXX and have not authorized them to institute a credit check. Our mobile service is through XXXX and we live XXXX. I would like this removed from my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX I filed for Chapter XXXX bankruptcy as I had lost my job and needed relief from unsecured creditors. I was granted this relief in XXXX XXXX. My mortgage is serviced by Ditech financial. This loan has never been late or short in any way since taking out the mortgage in XXXX. After filing the BK the statements changed to a notice for " informational purposes only ''. I understand this because of the BK but it has now been discharged and Ditech is not reporting the payments to the credit boroughs so the good payment record I have with them is not showing. I am trying to get back on my feet and have always done right by Ditech. They refuse to let me know the payoff amount and will not report to the credit boroughs. They still happily take my money each month though.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: AL
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:
On XXXX/XXXX/XXXX I submitted a CFPB report for Experian because they are listing inquires on my credit report. In the CFPB response they stated that the inquires that I am disputing aren't on my credit file, in which they are lying. I believe this is a prewritten response they did not even look at my credit report. I submitted evidence of the proof in the attachments. They also never responded to any of my letters I have sent them and I know they received them because I put a certified tracking on them via USPS. I have contacted all of the creditors that are on my credit report and not XXXX of them could provide me with a document of any credit application with my signature on it. I asked the same for Experian who keeps ignoring my request. I believe they are lying to keep this inaccurate information on my credit report. I am going to put each inquire along with the dates in this complaint and I am going to provide proof that i tried to handle this with the company. 

The inquires that Experian stated that was not on my credit file in the last CFPB complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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