BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

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 2023-05-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
We have an issue several times with checking account. Funds being low. Approximately XX/XX/2023 - XX/XX/2023

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 2023-10-22
Company: Westlake Services, LLC
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Westlake is constantly contacting me. there allowed to contact me once in a month. I have a credit repair that reaches out to them. They can not harass me calling me constantly.

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 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The accounts listed below were due to identity fraud/theft and I am not responsible for them. Thus accounts, inquries must be removed asap. per 15 usc 1681b you all are in violation and breaking the law because I did not authorize the companies to even furnish this information. Much less the wrong information at that!

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 2023-05-07
Company: Genesis FS Card Services, Inc.
State: IL
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 company has continued to report this account onto my credit report. This account is also reporting inaccurate information. I would just like for this account to be deleted and removed from my credit report. I didnt give permission to have these accounts furnished to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX : Account XXXX Violated my FCRA rights

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX XXXX XXXX XXXXXXXX

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 submitted this complaint to update this suspicious information. 3 Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX  XXXX Balance Owed : {$48000.00} ;

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX : {$680.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$350.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XX/XX/2022.

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 2023-02-19
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
Since I got this mortgage with chase, they report it to the credit agencies as revolving debt, like a credit card. They also tell me that I am not paying the principal amount fast enough since the first month of the loan, even though I pay exactly what my mortgage bill says to pay. I have a letter from Chase stating debt is reported as a mortgage but on my chase app it says just the opposite. Because of this I have lost XXXX points in my credit score even though my record now is better than it was before I got this mortgage. My car loan is reported the same way, with revolving debt and not as a collateralized loan. Nobody at chase I've talked to can answer any of these questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: CCS Financial Services, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
CCS is reporting two debts in my name ; and on my credit report. One for The General Insurnace and the other for XXXX XXXX XXXX XXXX. Both of these are fraudulent. I did not sign up for these services. CCS, the XXXX and XXXX XXXX have all failed to provide documentation to verify this is my debt. I asked for a signed agreement, invoice, payment history, etc. I have not received any verification, other than CCS telling the Credit Bureau that they are " verified. '' Please have CCS remove this from my credit report as IT IS FRAUDULENT. My original dispute was filed on XX/XX/2023. I plan to file a lawsuit XX/XX/2023, if this is not corrected.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: ALLY FINANCIAL INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Had an XXXX credit card which was recently bought out by ALLY, noticed the payments went from {$210.00} due a month XXXX for XXXX based on balance of {$5700.00} at XXXX XXXX with interest fee of {$1500.00}. 
THEN, in XXXX when ALLY sent a bill with {$310.00} due for month based on balance of {$8400.00} with interest fee of {$220.00} and balance on bill shows {$5700.00}? That is {$2600.00} over balance? When I called she said " it's was due to transfer but he would send to credit office to report back. First of all I never wanted an Ally credit card. Now I feel like they are doing something totally unethical. How do I transfer my balance to another credit card?

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 2023-07-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
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:
My Citizen account was. erroneously reported to my credit report over {$6.00} past due. I called when the payment was due to get the past due amount so I can make a payment to avoid a 30 day report on my credit report. I was told I had to pay {$160.00} which I did. I woke up today to find that citizen pay reported my account XXXX  line of credit as past due by {$6.00}. This is not my mistake but it is a mistake by the customer service agent. I have been a sick and out of work and I have been doing whatever I can to avoid situations like this. As a result of this mistake my credit dropped by XXXX points. I put in several disputes to all three reporting agencies and citizen bank refuses To remove this erroneous and unjust information. Every month they report a different month that was past due they have ruined my credit over {$6.00}. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: MIDFIRST BANK
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
{$17000.00} of principle only payments not applied. Fraudulently stated they have not received XXXX and XXXX payments although my bank stated the checks has been received by MM and cashed. I have reached out to MM gave them dates, check numbers and dollar amounts sent. This is a criminal company that need to be investigated. XXXX XXXX XXXX XXXX  has hundreds of complaints similar to mine. There is no online email address to inquire about issues, which I assume so that they can avoid a paper trail and deny that they received anything just like they have for my payments. I will only supply additional information upon their request.

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 2023-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
They letting a store atm keep extra charging me fees

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 2023-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I made an over the counter check deposit on XX/XX/23. My receipt and the teller stated that funds would be available the next day. The FAQs on the website also state that any holds placed on a deposit would be stated on receipt. My receipt said no such date of any hold only a credit that would be available XX/XX/23. This check is from the XXXX, upon speaking with BOA reps I was told that XXXX is standard check cashing policy. My mobile app says XXXX. I am late on several payments, and services have been disconnected. I could not eat lunch, while working to build a highway out of town. I have been embarrassed by multiple decline messages. I was unable to cash my paycheck due to insufficient funds. My mobile app is showing my check deposit as a negative. I have had to take out loans to buy my children school clothes etc., which has caused a breakup between myself and significant other. Multiple fees and amounts have been taken from account in the past. I have the bank statements to show where I was scammed and reported it before any transaction and BOA let someone in my account and made me pay for it. Help me please, and Thank you in advance.

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 2023-08-01
Company: Seattle Service Bureau, Inc
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX, XXXX, I made a purchase in the amount of {$1700.00} from XXXX. In XXXX I received my products. In XXXX, I was contacted by XXXX 'Chargebacks ' department who informed me the payment was not made for my XXXX items, in the total of {$1700.00}. I was asked to provide bank statements, which I provided in XXXX, XXXX, and again in XXXX, XXXX. After initially sending in my bank statements via email, I was the target of harassing language and was hung up on by XXXX of the XXXX Chargebacks agents. I took my bank statements into my neighborhood XXXX and provided them to a management team member who called Chargebacks on my behalf and told them my bank statements legitimately showed I paid for my items. Later, a different agent contacted me and I was asked to initiate a three-way call with my bank, XXXX XXXX XXXX, which I did and at which point my bank confirmed the amount in question was charged to my account and the funds did transfer from my account to XXXX ( XXXX XXXX  ). At the end of this three-way call, the XXXX Chargebacks agent informed me that from what he determined, I was not at fault and the XXXX legal team would have to contact my bank directly since the problem was not mine. ( XXXX bank is who XXXX banks with ) Regardless of the agent 's statement to me, my 'debt ' was sent to a collection agency, National Service Bureau , Inc. ( NSBI ). During our initial phone conversation, the NSBI agent, XXXX XXXX, raised his voice, yelled at me that he was sending my account to collections due to my lack of cooperation, and hung up on me. I called back and was forced to apologize just so he would tell me why I was sent to collections. He told me it was my fault XXXX XXXX had not received their funds and it was my responsibility to prove the debt was paid. This was regardless of the fact that I had provided XXXX months of bank statements. I provided NSBI another copy of my bank statements showing the amount had been charged to my checking account as well as a letter from XXXX XXXX XXXX confirming the charge/transaction was completed on my end. Since XXXX, I have made multiple attempts to contact NSBI, with no response. I continue to receive letters in the mail stating the debt has been sent to collections. I do NOT owe this debt. I have paid for my items and request this harassment and erroneous debt collection stops.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX reached out to me via email informing me that he works for Citizen bank mortgage and would offer competitive rate. After several back and forth regarding the mortgage rates, I decided to go with XXXX XXXX ( Citizen Bank ) as my mortgage lender since they were offering me 3.875 % for 7 years and after that variable interest rate ( per market rates at that time ) ie 7 year ARM at XXXX points. I had similar offers from other lenders. However, I decided to go forward with XXXX as he promised a quicker closing time. The initial closing was planned for XXXX XX/XX/2022. Prior to that I received closing documents from Citizen bank which mentioned the interest rate of 3.875 % for 7 year ARM ; however costing me XXXX points which were worth XXXX USD. I brought it to XXXX 's notice and he said that I should not worry as it was a mistake. He will make sure that these points are taken off prior to closing. I had driven to XXXX NY from XXXX MA ( my residence at that time ) the day prior to closing to make the final walk through the house. However, I was informed by my lawyer that the bank cancelled the closing ( scheduled for XXXX XX/XX/2022 ) as they did not want to take off the XXXX points. 
After multiple attempts the bank finally gave me new closing date of XXXX XX/XX/2022. Since the cancellation of the closing, XXXX stopped answering my calls. I, after getting in contact with his supervisor, was able to get in touch with him and he again said that he will try to take off the points. 
As my lease in XXXX was coming to end me, my wife, my then XXXX daughter, my parents and my dog drove from XXXX MA to XXXX NY on XXXX XX/XX/2022. We had to rent out XXXX for XXXX and XXXX XX/XX/2022. I did not receive closing numbers till in the office of the lawyer around XXXX XXXX at the time of closing. The XXXX points worth XXXX usd was still on my mortgage and I did not have time to go through numbers before to refute. As me and all my above family desperately needed a place to stay ( and XXXX was expensive-receipt attached ), I felt compelled to sign the papers. 
Now that I have settled in and I feel that XXXX and Citizen bank made a false promise to get my business. I feel that I deserve back the XXXX USD I paid for those XXXX points which initially they had promised they will not apply on my loan. In addition, I would like Citizen bank to reimburse my XXXX charges ( XXXXXXXX XXXX ) which were incurred due to cancellation of closing the XXXX time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
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 2023-08-04
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a vehicle in XX/XX/XXXX from a dealership and when I purchased it I also purchased XXXX XXXX and a Warranty Contract and Collateral Insurance. In XX/XX/XXXX I broke down while out of town and called the Warranty Company to have the car towed and was told that they could not honor my contract because the company I bought the car from never paid them, That is also when I found out that they suddenly went out of business. About a week later I received a email from a company saying that they were now servicing my contract and said XXXX owed {$24000.00} which is my original contract amount. I have paid all of my payments of {$520.00} and also put {$1500.00} as a downpayment. The new company told me that they didn't have a copy of my contract but wanted me to make a payment. I told them that I wasn't paying them anything until they could provide me with a valadation of debt and copy of my contract and information on the XXXX XXXX and Warranty Company. They sent me a copy of a payment history that did not have any payments on it. I feel they breeched our agreement by not providing the service that they said they would and by not applying any of the payments to my account

Company response to consumer: Closed with explanation