BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
It should not take 60 days, as reported by TransUnion, to correct my true Credit Card balances when any increase is reflected in a matter of days. This is excessive and completely unacceptable.

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 2017-06-13
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I would like to know why  XXXX   XXXX  is still employed at wells fargo. It was proven she lied about me harassing her in the   XXXX   XXXX   location  XXXX   XXXX . And she keeps on having her family members harass my son and spread false accusations about him and me.  XXXX   XXXX  has never been able to stop harassing me and my son, she keeps coming around us even though she do n't live across  the street f rom us anymore. If me and my son harass her so much why is she coming around me. Why does  XXXX   XXXX  keep getting protected and it was bias why wells fargo closed my checking account, because  XXXX   XXXX  influenced them to do so. And how   XXXX   XXXX   sent me a threatening letter tell me I harassed their district  manager. Her  husband  XXXX   XXXX  nearly hit me while I was cutting my grass he when he was backing up in  his drive  way.  XXXX   XXXX  has slandered my name all through wells fargo looked at my personal information and telling it to her family. She wants to keep coming around me and falsely accusing me of harassing her.

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 2019-12-02
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
At the beginning of XXXX, I receive a statement from Nordstrom and the amount was XXXX. I checked the details of my transactions. I did not used this card to buy anything. Someone used my information to purchased stuffs in the store. I called them to file a report, and canceled my card on XX/XX/, 2019.  However, they did not solve the problem. They said I needed to send a document to update my case, and I sent it twice. They told me they didnt receive it. I always caring about my case and kept following. They told me all the thing I needed to do is wait. The statement was increased month by month. They just holding my case, and they couldnt do anything about it. I was so frustrated and disappointed about Nordstrom. It was a fraud statement, but Nordstrom was holding my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: CL Holdings LLC
State: PA
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 a Fair credit reporting act [ XXXX XXXX XXXX # XXXX has violated my rights. 
[ JEFFCAPSYS ACCOUNT # XXXX has violated my rights. 
[ JEFFERSON CAPITAL SYST ACCOUNT # XXXX has violated my rights. 
Under 15 USC 1681 section 602 states, I have the right to privacy.

15 USC 1681 section 604A Section 2 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 2022-03-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
As of XX/XX/22 my wells fargo credit card ending in XXXX was brought current. However, Wells Fargo is still reporting a past due balance of {$1500.00} to the credit bureaus. Since XX/XX/XXXX I have made additional payments to which the current balance is now {$720.00}. 

The current information on all 3 of my credit reports is inaccurate. This account is not longer past due and currently has a balance of {$720.00}. 

Wells Fargo Credit Card ending in XXXX Last four of my social security number are 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 explanation
Consumer complaint received 2022-09-08
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
So I have been in contact with this company. Even went to court about this which was against the law. They are not XXXX XXXX compliant. They are in violation of 15 USC 1681b, 15 USC 1681e ( b ), and 15 USC 1681. This was paid in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being. I have rights under 15 U.S.C 1681 Equifax is governed by 15 U.S.C 1681 and they violated my rights numerous of times. 

I demand the accounts listed below to be removed because according to 15 USC 1681, I have the right to privacy and I did not give written permission to furnish these accounts : XXXX XXXX XXXX Acct # XXXX XXXX XXXXl Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Equifax deleted items out of my credit report without my consent. The loan XXXX  should be furnished on my report and today XX/XX/2022 it was removed with my consent as a consumer. I spoke with Equifax and they stated that they have the right to do whatever they want to do, which is incorrect because I am the consumer I have the right to tell Reporting Agencies what should be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My name is XXXXXXXX XXXX.I am an XXXXXXXX XXXX and i have been with XXXX for more than 6years. 
In XXXX i got a SBA LOAN and i was approved as an Independent contractor.The funds was deposited in my checking account with Citibank, i used some for utility bills that i had pending because of the pandemic [ COVID 19 ] then i transferred the remaining money to my savings account which is also with Citibank. 
A couple of days later i realized that my savings and checking accounts has been frozen without prior notification, i immediately contacted Citibank in regard to the accounts and they said they were investigating. 
After a year and half i was contacted by the attorney general that Citibank has released the funds in my checking account and the money was given to me in XXXX. 
I contacted Citibank after that to ask them about the funds in my savings account and they responded that they had returned it to SBA LOAN, I called the SBA OFFICE to be sure they had gotten the money but they said they did not receive any money from Citibank. 
By XX/XX/XXXX i am expected to start my loan repayment which is the problems i have now because i didnt even get to use the money. 
I would really appreciate your help in looking into this matter as i am so helpless and troubled right now.

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 2022-09-08
Company: JPMORGAN CHASE & CO.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I took a car loan out for a used XXXX XXXX with Chase Auto in XXXX of XXXX. I have been paying {$470.00} per month for more than two years. I did miss one payment due to an issue with my bank direct deposit. I called them and rectified the issue and paid the month that had not been taken out with direct deposit and provided them with the correct information. They said they would make a note that the payment was made on time, but apparently that did not happen on their end. 

Recently I had a baby and have been out of work. I fell behind on my payments and was getting the money together to bring myself current. On XX/XX/XXXX they came to my house at night and repossessed my car. I am now unable to get to my baby 's doctor appointments or to a new job. I called them twice and said I would pay the past due amount immediately. They told me they would not work with me and that I had to pay the full {$20000.00} plus all the storage and other fees to the company that repossessed the car. I can not pay the full amount of the vehicle but I can bring everything current and pay the full monthly amount going forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
XXXX XXXX a XXXX year old man thought that he was purchasing a Brand New XXXX in XXXX 2014, he agreed to pay approximately {$30000.00} for the car. XXXX XXXX did not realize this was a lease and grossly over-paid. Once the papers were read we explained to him that it was a lease not a sale and the price of the car was {$22000.00} and not XXXX he paid. XXXX XXXX requested the Lease Agreement for the car and was sent a illegible agreement which was not included in his original paperwork. It appears that the Dealership changed hands and now is controlled by someone new, furthermore, XXXX XXXX was sent to a collection Agency which has demanded an additional XXXX on a car not worth more than XXXX and XXXX received nearly 40K. The Dealer contacted the customer and said we can sell it for more than you can, which did not happen. After reading the contract with a magnifying glass it is in contradiction with the demand for the additional XXXX the contract says that the amount collected after the completion of the lease is no more than XXXX. This is Elder Abuse in the worse way and XXXX should be held to a higher standard beginning with including the contract up front and a clear explanation of the lease. The dealer also included a Contract Cancellation Option Agreement which clearly says for " Used Motor Vehicle Purchases Only '' XXXX XXXX car was supposedly " Brand New '' So it is unclear why this document was included.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I have exercised my right to rescind and revoked all Powers Of Attorney that was given to dealer. Also have notified Kia Finance and have yet to receive any response. 

NOTICE OF DISPUTE is in the Attached Documents along with Proof of claim.

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 2017-06-20
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested verification and validation per my right under the FDCPA section 809 a and b. This is your direct dispute. I am demanding proof of this debt. I have never had  XXXX . My account number  XXXX  according to the inaccurate information on my credit  report.. My  address is  XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX   XXXX  This company collection practices are very abusive and deceptive as well. Trying to talk to anyone is a nightmare and they are very rude and hateful. I am aware I can seek actual and statutory damages against you and your client. If I must file a civil lawsuit I will to protect my rights. As I am sure I am not the only consumer whose rights has been violated by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I HAVE SENT   XXXX   XXXX   SEVERAL CERTIFIED LETTERS. THE LAST ONE I SENT WHICH WAS  XXXX / XXXX /   17  (  2 MOTHS AGO ) I SPECIFICALLY STATED TO PROVIDE ME WITH THE RECORDS AND  DOCUMENTATION THEY USED TO VERIFY THE NEGATIVE AND BOGUS INFORMATION AS ACCURATE UNDER THE DISPUTE MADE WITH THE CREDIT BUREAUS. I ALSO WENT INTO THE BRANCH WHERE OBTAINED THE LOAN AND THEY DIDNT HAVE ANY RECORDS/STATEMENTS TO GIVE ME!!!! I NEEDED TO SEE MY CONTRACT FOR THE TERMS AND CONDITION, LENGTH OF THE LOAN ETC ALSO MY PAY HISTORY BUT OF COURSE NEITHER HEADQUARTERS OR BRANCH COULDNT PROVIDE ME ANYTHING BUT STILL REPORTING FALSE INFO TO THESE CREDIT BUREAUS WHICH IS HURTING ME MENTALLY, PHYISCALLY AND FINANCIALLY!!!   I HAVE ATTACHED THE CREDIT REPORT FROM  XXXX  AND EQUIFAX.  XXXX   XXXX  STATED THAT MY REMAINING BALANCE IS {$710.00}. IF I PAID {$83.00} ON TIME FOR  XXXX  &  XXXX  THE BALANCE IS ABOUT {$660.00}. I NEED THIS ACCOUNT INVESTIGATED ALONG WITH MY CONTRACT, PAY HISTORY AND TERMS ASAP!!!! PLEASE DO NOT SEND ME ANY FALSE INFORMATION!!!   THIS IS THE LAST TIME I WILL BE ASKING TO HAVE THIS ACCOUNT REMOVE FROM ALL  XXXX  CREDIT BUREAUS. MY NEXT STEP IS SUING ACCORDING TO FCRA!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2017-06-20
Company: TD BANK US HOLDING COMPANY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I used TD bank to provide a mortgage ( 75 % ) on a coop in the upper east side of  XXXX . At the end of  XXXX , TD provided a rate lock-in at 4.125 % for 60 days. The process of getting a commitment letter from TD ( so that it could go to the board ) took forever, Each request for info was provided within 24 hrs, yet each time it went back to the underwriter, and another set of documents was requested. Even the appraisal process was drawn out. The appraisal was done on  XX/XX/XXXX , yet the appraisal was not approved by TD for another 11 days. There is a term for this -- Moral hazard. The bank gains advantage in rate lock in fees if it delays the processing. It took TD almost 6 weeks from the initial rate lock in at the end of   XXXX   to the time they issued the approval letter that I needed for the coop. By the middle of  XXXX , it was clear that signing would not occur by the end of the lock in period, so I emailed my mortgage broker at TD a request to extend the rate lock-in period at no cost, because of the extenuating circumstances. He replied that he would look into the matter, and sure enough a few days later the documents from TD showed an extension of one month ( end of  XXXX  ).
<P/>
At closing, I was surprised to see a rate lock in charge of over {$2000.00}. This corresponded to 6 periods of 5 days, each at {$340.00}. The signing took place on  XX/XX/XXXX , and TD did return half the amount. My position is that it was the result of slow processing by the bank that caused the need for a rate lock -in extension in the first place, and that if I ask for a no cost extension, and it is granted without specifying that indeed it would cost me, then this is not correct. Not saying " No, this will cost you '' and then providing the service is equivalent to consenting to my request.
<P/>
An example of moral hazard in this context is available at (   XXXX   XXXX   ) :   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Empowerment Ventures, LLC
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
XXXX XXXX,2017 Unauthorized atm transactions were being processed on my account more than {$1400.00} was taking out my account! I have an account with rushcard I did everything possible to prove & show to them i didnt authorize these transactions Im still getting a hard time & want to get the lawn involved now

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I began contacting them and submitting info for the IBR in XXXX once completed school. I had been placed on an IBR with the understanding after so many payments it will be forgiven. I was n't ever advised that consolidating the loans be in my best interest at any point. When I became employed with a XXXX XXXX and the public service forgiveness was available I contacted again to see whether it be benficial to consolidate ( in XXXX ) and even though the forgiveness is sooner I was advised that it not be in my best interest since I was already three years into the forgiveness of the traditional forgiveness. It has not yet been approved for the public service forgiveness but it has been filed and the consolidation has been completed. I was able to have two years out of the way already had I not been stirred in the wrong direction in XXXX but either way am having to start the forgiveness period over since doing the consolidation ( in XXXX ). I was not ever advised of the best route to take since graduation with high interest loans have increased by XXXX. XXXX XXXX had been original loan serviced and is now navient. I also have found that even though XXXX XXXX XXXX claims to be credited university having a career in the field in which I attended college has not happened. So many things here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern, My mortgage payment in XXXX was about {$1500.00} per month. XXXX it was dropped to {$1400.00}, but starting in XX/XX/XXXX my mortgage will be $ 1,627.The mortgage company failed to inform me of 2 times the property tax increase. XXXX XXXX of XXXX XXXX only assessed my property {$4000.00} more in XX/XX/XXXX. Now that they underestimated the monthly amount to put into escrow to cover taxes and insurance, they say that it is not there fault and I should pay for their mistake. In addi they still take the same {$330.00} a month for escrow taxes and insurance to this day knowing this will still put me in the negative next year. This big corporation with all these accountants didn't realize that this would be an issue? Please inform them that I should not be responsible for their mistakes. 

RegardsXXXX 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 explanation
Consumer complaint received 2021-05-03
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Quicken Loans has a serious issue with home insurance not purchased by them, probably because they want to force you to buy their insurance as they are probably receiving commissions from the insurance companies they are working with. 
Because I had problems last year with this issue, I got Quicken Loans to inform me that I could go myself to https : //www.mycoverageinfo.com/QuickenLoans and upload my own insurance policy documents. 
I uploaded the insurance policy on XX/XX/2021. Anyway, Quicken Loans went ahead and purchased an insurance policy with XXXX XXXX XXXX XXXX on my behalf claiming that they had not received the policy I had submitted. I called on XX/XX/2021, at XXXX ET to complain and I was instructed to upload the policy again today, on the same website, which I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief