BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : 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 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 2017-01-24
Company: CCS Financial Services, Inc.
State: ME
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I only found out about Credit Collection Services trying to collect payment from me because they reported to a credit bureau before ever notifying me by mail or phone. I disputed this collection with the credit reporting agency XX/XX/XXXX. I subsequently received a call from Credit Collection Services, and I told them that I needed proof of the debt in writing. On XX/XX/XXXX, they mailed me an XX/XX/XXXX XXXX statement for XXXX XXXX XXXX, XXXX IL with the amount of {$53.00} due. There is no explanation of what the charge is for at all, but my balance prior to XX/XX/XXXX is listed as - {$9.00} on the statement, and charges of {$62.00} were added XX/XX/XXXX, but there is not explanation of what these charges are for. I have not lived at that address since XX/XX/XXXX!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it 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
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Request of XXXX of XXXX!! 

On XXXX I requested an investigation from Transunion regarding inaccurate/fraudulent item on my credit report ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) that's being reported erroneously. On XXXX Transunion sent a letter that the investigation was completed, and the item was not deleted and had been verified. I'm flabbergasted because I don't understand how they arrived at this conclusion since this information is definitely incorrect and is fraud per the FTC identity theft report that was sent to them. 

This request is under FCRA 611 ( a ) ( 7 ) for the description of the procedure used by Transunion in providing all information to the creditor associated with my previous dispute under FCRA 611 ( a ) filed with Transunion on XXXX. 

Please provide me with all the information you used for the investigation, required by FCRA 611 on how you actually verified this fraudulent item. 

Please reply within XXXX  days or delete the negative item I originally requested!!! 
Stop playing games with my livelihood and follow the law and send me detailed information on how you arrived at your conclusion. All information should be sent to the CFPB and to the email I provided to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account with Bank of America was paid off XXXX  years ago. Bank of America was suppose to remove off credit report. Account still shows closed on 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 explanation
Consumer complaint received 2020-07-14
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have purchased from a scammer for one of the golden retriever puppies online for {$750.00} via Zelle on XX/XX/2020 and then sent {$1100.00} for shipping insurance via XXXX XXXX app @ Zelle. I have just talked with XXXX about a possible refund on XX/XX/2020, but they have told me that they are not responsible for Zelle. I have also contacted Zelle to try to reverse my transaction, but the company told me that the money has already been transferred, and a refund was not possible. I trusted the bank for Fraud protection and thought that Zelle which is included in the XXXX XXXX  app not covering authorized fraud/scam. It should not be the case and Zelle should put out a statement that they do not cover fraud/scam damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Remitly, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have process the amount of XXXX $ for medical emergency to pay medical bill and for prescribe medication it was urgent amount transfer so I accept sending the required amount in express manner As soon as possible and it promises that I will get into account in few minutes, and other side the patient is waiting to get the amount so that she can pay medical bills, the transaction I made was on XXXX XXXX XXXX pm CST time zone, and today is XXXX XXXX still I didnt recive my amount to the person, I tried calling them multiple time but every time there saying will process in next few hours, I heard this multiple when ever I called but its not yet processed, i request them to transfer my call to supervisor so I get answers that she is in a meeting will call me in next 15 mins but till now I have recive any call yet, the higher team doesnt want to come On call, it look like scam to keep people money and take interest on that amount, I request you guys to take a strict action towards them. Still my money havent been process today is 6th day. I need compensation from them, because of cheating on me and keep my money for there person interest. Plz take serious action on them and I want my money being processed and compensation for this on going delay

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I noticed a fraudulent charge on my checking account with Capital One Bank. I ccalled and was told to come in and close the account. The account had a XXXX babalance and nothing pending. I closed the account. The banker cut the cardI have the paper where the account was closed. Now I am getting letters from CCapital one with NSF charges on the account after it was closed. I called thebank several times and was told that it is being taken care of. Now the feesare up to XXXX dollars. I spoke with a supervisor and she stated thatit was their mistake and for me to come in and close the account. 
I do n't want to do that because I already closed the account. Now she wantme to pay the fees and then close the account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-28
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX XXXX charged me a cleaning fee of {$270.00} because they claimed I smoked in their room. I have not smoked in 19 years and most definitely did not smoke in their room on that occasion. I filed a dispute with my Citi card and they temporarily gave me a credit while they investigated. After a few weeks they sided with the merchant and reinstated the {$270.00} charge. 
I quite simply do not think I should pay for something I did n't do. 
I have been a Citi card holder for 30 years but I immediately cancelled my card. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX. My father XXXX XXXX passed away XXXX XXXX, 2015. In his last will and testament he appointed me ( XXXX XXXX, his son ) as the executor of the estate. He had XXXX accounts with Chase bank with the total amount of {$280.00}. I attempted to retrieve and close out the accounts as the executor of the estate by providing the bank with a copy of the will and a copy of the death certificate. However, I was told by bank officials that they could not disperse the funds unless I filed with probate. The cost of the application to file with probate is {$150.00}, not to mention, I would have to take a day off from work to fill out the paperwork and submit the application. Obviously, this would not make sense for me to do. What can I do to resolve this issue. In this particular case I would think due the amount of funds, there should be an exception to filing probate. By showing a copy of the will and a copy of the death certificate to Chase Bank officials should suffice to resolve the issue. Please provide any feedback that will help resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Innovis
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: Personal information incorrect

Complaint:
I NEED A INVESTIGATION ASAP! I have all kinds of bad information and fraudulent addresses on my credit report. I am in the process of starting a new company and I found all types of inaccurate information on my file. my current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX this can be verified through USPS address update. My name is XXXX XXXX XXXX please delete and all varitions of my name the are not accurate.Someone has been using my name for business and lines of credit without my permission. My proper XXXX is XXXX my SS is XXXX please delete SS XXXX and SS XXXX they are not mine. The following addresses are not correct please delete : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX The following numbers are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX my current and only employer is XXXX XXXX. please delete the following employers I am not affiliated with any of them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: American Credit Acceptance, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
American Credit Acceptance LLC- I applied for a vehicle and I was denied. 
Title 15 faults, misleading and denial of ones own credit. Credit means the right granted by creditor to debtor to defer payments of debt and defer its payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

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 2020-07-14
Company: ALLY FINANCIAL INC.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Company filed a lien against my proper past the statue of limitations and did not provide documentation or allow time for a disputed reply to judgement demand. Lien needs to be removed immediately. I am being harassed by this company.

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 2022-04-13
Company: Upstart Holdings, Inc.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took a loan {$40000.00} with Upstart resulting in origination fee of {$2600.00} deducted from the loan. I paid off the entire loan after 3 months of contracting it. I approached the Upstart for a partial refund om the origination fees, since I only used {$1500.00} of the loan. 
I received periodic emails from Upstart stating that I was eligible for origination fees refund for early payoff. But Upstart personal informed for the first time that I was not eligible as stating in the emails I got. and to refer to some document I was not made aware of and inform at the signing of my contract with them. 
I contacted Upstart again to find out what is the criteria and requirement for eligibility, who is eligible, who makes the decision, on what the decision of ineligibility is based on. 
this information was not disclosed to me until today. So, I strongly the decision of eligibility is arbitrary, unilateral, therefore discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Exeter Finance Corp.
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:
XXXX XXXX on XX/XX/22 sold me a lemon. When they approved me. They only told me they were going through the bank XXXX XXXX. But they shopped around banks to get them selves the best finance rate where I would be paying XXXX a month. I returned the vehicle the next day and received XXXX percent of my down payment back. XXXX XXXX XXXX, Exeter bank, And numerous other banks got my information. My social security and Id have been recently compromised. So Im just trying to stay on top of my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX Bank of America and their merchant service first data informs me of fraudulent attempts to deposit via credit cards that are fraudulently used. This started with 12 attempts by the end of the day they were 72. Play the beginning of XXXX there were over XXXX and within a few days it was up to XXXX attempts. The Bank of America says I have to pay a fee for each attempt of a fraudulent action that they knew on XX/XX/XXXX was occurring. After hours and hours of trying to reach people and discuss with him this issue Bank of America said give them 5 to 7 days to refund the fees. It is now 30 days past and theres no attempt to deposit back the money they withdrawal for fraudulent fees, they do not answer their emails anymore, and they are simply blaming us for fraud attempts on our checking account. Theyre taking out the fees put us too low to pay our bills in a timely manner. Theyre taking out the fees is now starting another month of not enough funds to pay our bills at all. This is on our foundation account, we have not received any donations for quite a while our big donors died of XXXX. We have not advertised recently but are planning an event at the end of the month. Not having our cash back is going to affect our ability to actually do a great job at our goals. We are in the business to save lives and they have destroyed our efforts. 
Im at my XXXX  XXXX trying to get someone to explain why they can take out fees for fraud that they knew and were the ones notifying me took place. Now they told me I could end up with more fees this month for the beyond the XXXX transactions. 
What are we supposed to do, how are we supposed to pay our bills if the Bank of America is going to charge for fraudulent transactions? Is this not something the government tries to stop? Can they just continue to charge me fees? 

This is also Bank of America XXXX XXXX ( foundation income ).

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 2016-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a vehicle with capital one on XX/XX/2016 and later on XX/XX/2016 my vehicle was totalled. Since then capital one has received payment from my auto insurance company and my gap insurance company totalling approximately {$22000.00}. And leaving a remaining balance of about {$1800.00}. I no longer have this vehicle and has since purchased another vehicle with another company. The vehicle itself was sold at about {$16000.00} after rebates and the rest was interest making the total loan balance about $ 24k. They have continued to call and email me trying to collect " interest '' on a car I no longer have the ability to drive. I do n't believe what they 're doing is fair or ethical. I spoke with several reps and explained to them that I do n't have the financial means to pay that remaining balance in full or in payments. I am a 9-5 worker living check to check. At this point it has become very stressful. They have received approximately 94 % of the total amount due. I suggested that they consider that amount that they 've received as a settlement or paid in full loan and they refused. I do n't think it 's right for them to be pressuring me about paying " interest '' on a total loss vehicle and threatening to charge it off on my credit report when I made all my payments on time when the vehicle was operable. Please help me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Attempted to pay off the mortgage. Bank did not dishonor, reject or return my payment coupons and didn't close the accounts either. 
Attempted to have the debt validated by bank. Requested validation twice. 
Bank refused to answer any letter. Notified bank of contract change due to lack of response and lack of validation. Bank is now attempting to take action. Harassing letters are non-stop with the threat of foreclosure and now a lawyer has joined the team signing the same thing. 
But they will not answer any questions from the XXXX XXXX!!! No contract with XXXX wet ink signatures has been shown, only a photocopy of the original note. 

They are not in compliance with the UCC and the bank is violating my rights under the XXXX of law. The Maxims of XXXX XXXX apply to everyone!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation