BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
According to the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-11-20
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my car lease through XXXX XX/XX/2022. I've called multiple times to the lease-end department as well as the title department. I've been on hold for a record of over 3 hours at a time with the title department, with no one picking up. When I've reached the lease-end team, they tell me they can't help. They told me they have sent my title to the IL and MD XXXX and provided me a tracking number that is fake. The tracking number does not track on USPSXXXX and when I call the XXXX XXXX XXXX XXXX XXXX in both locations, they do not have a title on file for me. At this stage, Hyundai is giving me the run around, after a year of paying off my lease, and refuses to mail me my title. Should this complaint go unanswered, I plan on filing a police report and pursuing legal action.

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 2023-09-09
Company: ERC
State: PA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern ; I have recently reviewed my credit report and had noticed huge discrepancies. I have noticed your agency, ERC, as a collector of debts, attempting to collect a debt I am not aware of. Back in XXXX I have reached out via email to recover proof of the original purchase agreement with signatures from all parties from ERC but never received a letter of debt validation from your agency. I believe you are legally bound to do so before collecting on said debt. I, as a consumer, has the right to validate and or dispute the alleged debt. If youd be so kind to provide me with a few things as proof of validation of the alleged debt owed and any late payments accrued I would greatly appreciate it. 
A copy of the original contract or original purchase agreement that created the alleged debt. if the original contract is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders. 
In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership, Proof of chain of ownership must be from the original creditor to the current alleged owner without any break in the chain. 
Also include a full accounting history from the original creditor including the date and leading amount of each payment and the Date of First Delinquency to the collection status. 
lf any interest or fees have accrued or been added onto the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement. 
Proof you are legally allowed to collect on alleged debt in the state of Pennsylvania, including collect on alleged Third-Party Debt Collection Bonds. 
Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including any copies of the original notice and any letter tracking your firm maintains. FTC vs XXXX XXXX XXXX make clear that it " debt parking without proper notices is a violation of consumers rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 sent a dispute letter certified mail out to XXXX, XXXX, and Transunion regarding incorrect addresses. Unfortunately they are refusing to remove the inaccurate addresses.

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 2023-11-28
Company: OPTUM BANK, INC.
State: OK
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Company was contacted XX/XX/XXXX, I said I want to move the funds out of Optum financial, I was told to go to the app and request a reimbursement. This was done, after a few weeks the funds did not arrive, I contact them again and was told it was best to close account, I was sent a form and a mailing address, the rep said this was the only option. I filled out the form and mailed it off. The funds still did not come, I contacted them and was informed it needed to be liquidated before funds could be sent out, this was not told on the previous calls. I then learned an electronic way to send it docs was available. I followed instructions to liquidate funds and was assured the check would be sent out. That was on XX/XX/XXXX. In the mean time they have taken XXXX dollars a month since XXXX when they knew I was trying to terminate the relationship shop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Crow Creek Sioux Tribe
State: MA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was approved for a loan of {$940.00} on XX/XX/2023. Since then, I have paid amounts of {$270.00} every two weeks starting on XX/XX/2023-XX/XX/2023 ( a total of 9 payments equaling {$2400.00} ). At this point, I will never be able to pay off the less than {$1000.00} that I borrowed due to the extremely high interest. I feel as if I am being robbed all for {$940.00} that I needed to quickly put a first, last, security depodit, and broker 's fee for housing. I need this to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received an SBA loan in the amount of {$140000.00} on XX/XX/XXXX of XXXX. It was deposited into my Citibank account # XXXX. After a week or so, Citibank froze my account. I went to the branch where I was informed that there was a fraud investigation pending. I verified myself as the account holder and was told to check back in a week. I went back to the branch and was told they would be closing my account and sending me a check for the remaining balance within 7 days. After 10 days I went back to the branch and they told me that they were sending the funds back to the SBA. They refused to provide me with any paperwork reflecting what they were going to do with the funds. Last month, XXXX of XXXX I was able to log on to my SBA loan portal and noticed that my balance was still reflecting the entire amount of {$140000.00}. I called the SBA and told them what happened. They told me they have not received any funds back from Citibank for my account. I called the bank and have been getting the runaround for a month. Sometimes they just say they can't help me because my account is under investigation and they just hang up on me. Other times they tell me they are going to get more info and to wait for an email or a call that never comes. I have called over 20 times and am still not able to find what the next step is to get them to either release the funds to me or send it back to the SBA. I am now paying interest for money that Citibank is holding on to. Their customer service has no clue how to handle my situation, they keep transferring me to different departments and the branch says they are not able to do anything for me. So I can not got to the branch or call Citibank to get help. I don't know what other option there is for me at this point. They should not be able to do this to their customers. They are holding onto funds that do not belong to them. I would like for them to either release the funds to me or send it back to the SBA so my interest payment reflect the amount I was actually able to use.

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 2023-09-11
Company: Bridgecrest Acceptance Corporation
State: OK
Product: Credit reporting 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:
I have never applied for a credit loan or car loan with this company yet they have my credit report and have been using it. And told me when I called to clear it up to " call the police '' and they would do nothing to help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-09-11
Company: John C. Heath, Attorney at Law, PLLC
State: IL
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Charged upfront or unexpected fees

Complaint:
I started using Lexington law credit repair service 2014 in hopes of getting my credit fix to buy a home, car and to have better credit overall. I was under the impression that I would have to pay XXXX and they will start working on my credit and then I seen that my debit card was charged {$60.00} a week later and the fees got higher as I went on monthly. I did reach out several times to ask about fees but I never got a real answer and I was always left confused. I even tried to add my brother on my account one year the company was advertising that if I have someone who would like credit repair but somehow I was charged more. It took years for anything to be deleted and some of my debt reappeared. I was just overall confused about how Lexington law credit repair worked. I would call in to check on my account but I always felt lost. Yes I do feel completely ripped off of my money I spent, time and also the embarrassment of being denied mostly everything i applied for but still having high hopes in Lexington law to help me out. I would like my money and the extra fees that I was charged for that was not properly explained to me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have been banking with Truist for over a year now. This is the second or fourth time this has happened. I've had issues with them and handling my money and assets. I went into the local bank and spoke with the bankers no justice. I disputed the charges and they investigated and they sent me a letter from the Truist Enterprise Fraud Management and the letter states are unable to credit my money back to my account. We have problem. The amount that was unauthorized from my account was XXXX. I am definitely going to contact some legal advice.

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 2023-09-11
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-01-09
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
To Whom It May Concern, I booked a reservation to rent a vehicle thru XXXX ; the actual car rental company was XXXX, and XXXX is brokerage company. The amount was {$350.00} charged to my American Express on XX/XX/XXXX, XXXX for vehicle rental for the first week of XX/XX/2022. When I called XXXX to confirm our reservation prior to departure to XXXX, XXXX from XXXX, I was told that my reservation cancelled. So I had to rent/book a vehicle with another car rental company. Nevertheless, XXXX still charged me for {$350.00} When I called American Express to dispute the transaction after I got back from my trip to XXXX in XX/XX/2022, I was told by American Express that I have to try to resolve the issue directly with the XXXX. I took advice from American Express and I attempted to reach out to XXXX multiple times ; unfortunately, it did/does not have valid email or XXXX number for billing department and/or public relation so I could dispute myself with XXXX 

As the negative result from XXXX, I reached out the American Express 4-5 times, to dispute the transaction ; unfortunately, the American Express refused to help me with the issue because the transaction has been over 60-day window. 

I wasn't aware such a law that required a dispute must be submitted in writing within 60-day. Moreover, the reason it is over 60-day window because I took advice from the American Express to dispute by myself. 

I am exhausted with all the options ; thus, I am reaching to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter and hope the Agency can help me with the issue. Thank you in advance for your help and time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-11
Company: Advance America, Cash Advance Centers, Inc.
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
After borrowing the money, two days later they sent the check to my bank, I tried talking to them of their mistake, they ignored me and my account was closed due to this problem. 
in the end I lost money, after I started receiving phone calls like crazy I asked them to stop but they didn't. long story short this eventually ended up on my credit report as a debt not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Huntington Debt Holding LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Company by the name Huntington Debt Holdings, LLC has emailed me before XXXX to tell about a debt. I had reviewed the email and it was sent at XXXX my time.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
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: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I HAVE NO KNOWLEDGE OF THESE ACCOUNTS. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 

XXXX, XXXXXXXX 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 explanation
Consumer complaint received 2023-09-11
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I am applying for a home equity loan through XXXX XXXX XXXX XXXX. They are asking for a current statement of account, PennyMac can not generate a new statement showing everything is current until XXXX. I will lose the opportunity I am requesting a loan for if it is delayed a month because PennyMac can not provide a current statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Charges made to my Wells Fargo credit card out of state where I live.

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 2022-11-17
Company: EQUIFAX, INC.
State: LA
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've identified accounts on my report that are a result of identity theft. These items are not related to any transactions completed that I've made. XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I've received dozens and dozens of calls and voicemails from MCM. I do not owe any debt to any company, now or ever. Many of the messages were garbled and did not say who they were asking for or what they were calling about. In one message they asked for someone named XXXX, so they are calling the wrong number because that's not my name. They leave a callback number XXXX with instructions but when I call them back -- immediately when they call me on the weekends, or during business hours during the week -- I get a recording saying I should call back during business hours. No matter when I call them back to get my phone number off their lists, they do not answer the phone. I've blocked every number they try calling from but they just call from a new number and leave the same message for someone I don't know.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: Chime Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
Sendwave is the company name. 
I sent money to XXXX twice with this company and they did not deliver the money. It appears they are trading with peoples money when you send money through their service. They will keep your money for a whole week and then send it back to you as undeliverable. In 2 weeks they could not deliver {$300.00} dollars to XXXX bank in local currency. Not to mention also the fact that they deliberately extend the hold phone time to their customers service with average being 40 mins. Transfer reference number. 
XXXX ).

Company response to consumer: Closed with non-monetary relief