BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-12
Company: Thrift Investment Corp.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Thrift Investment Corporation is reporting an alleged delinquent debt for a XX/XX/XXXX {$7000.00} auto loan with the payment terms as {$280.00} monthly for a period of XXXX XXXX. The alleged debt is reported by Thrift Investment Corporation as a delinquent debt in the amount of {$6600.00} on my XXXX consumer credit profile. The vehicle associated with this account was repossessed by Thrift Investment Corporation in XXXX, XXXX in the State of Maryland. The alleged payment history and alleged debt amount are believed to be both inaccurate. The alleged debt is believed to be uncollectible and unreportable to consumer reporting agencies because to date, XX/XX/XXXX, I have never received a notice from Thrift Investment Corporation informing me of the date of the sale of the repossessed vehicle, the amount the repossessed vehicle sold for, any applicable refund due me or deficiency balance owed regarding the sale of the repossessed vehicle, or any other pertinent information required by Maryland law. According to information provided in XXXX XXXX and XXXX vehicle history reports, the vehicle does not report as sold or registered after the XXXX, XXXX repossession. If the repossessed vehicle was not sold as required by law, I am not liable for this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX I refinanced my home to pull out equity to pay off debt. Specifically I had a Hero account for solar electric installation. The Hero account applies the financing of the solar through my taxes. My mortgage has an impound account to pay my taxes and insurance. The refinance was with Loan Depot account number XXXX. Loan Depot has continued to charge my account for the Hero fees ( solar finance ) even though they have received notice of the new bill and they estimated the new tax payments during the escrow phase of the refinance. I have attempted since XX/XX/XXXX to get my impound account charge dropped to the correct amount but have had no success. I have continued to pay for my solar for 8 months even though it was paid off through escrow during the refinance. Loan Depot continually tells me it is under review and it will adjust in the coming statement. I am now being told it will not happen till XX/XX/XXXX. I have no faith that they will actually do this. How can this happen when there is so much review and planning during escrow. 
They also say once the adjustment is made they will return my over payment but without interest. My previous mortgage paid interest on my impound account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Written numerous letters requesting debt collector to verify debt. Spoke with rep by the name of XXXX who could not verify debt information. {$260.00} XXXX which is reporting twice on my credit report from this company

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX. My US federal income tax refund check was set to be directly deposited into my bank account at XXXX in XXXX, Illinois. The amount of the check was {$1100.00}. Unfortunately, my account at XXXX had recently been closed due to fraudulent activity that I had experienced. After that, I chose to not reopen another account at XXXX. But since I knew that my federal income tax refund check was coming directly to XXXX, I asked XXXX if they needed my new address since I had moved after my recent divorce. At that time, XXXX advised me that they would not be forwarding the check to my new address because their bank policy was to return any non-deposited federal income tax checks back to the IRS. Unfortunately, XXXX did not do as they said they would. Instead, when XXXX received my direct-deposit federal tax refund check, they apparently took it upon themselves to cash the check and mail me a bank check directly to my last known address. When doing so, XXXX did not notify me of these transactions so they did not know that I no longer resided at my last known address they had on file. So the check was erroneously mailed to my ex-husband 's home. My ex-husband 's name is XXXX XXXX and he resides at XXXX XXXX XXXX, XXXX, IL XXXX. Without my knowledge or permission, my ex-husband illegally proceeded to take my tax refund check to his own bank in order to cash it for his own personal gain. Unfortunately, he succeeded in illegally cashing my check on XX/XX/2017, by signing only his name to the back of the check, even though my name was clearly stated as the sole payee on the check. The bank at which my ex-husband executed this transaction is U.S. Bank located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Today, my attempts to resolve this matter with personnel at U.S. Bank have been completely fruitless, even though they did admit they should never have cashed this check. Instead, they are attempting to place the blame on my bank, XX/XX/XXXX, for erroneously mailing the check to the wrong address. Currently, I am in the process of filing criminal charges with the XXXX Police Department against my ex-husband for his theft of my money. He 's clearly a dishonest person, and I think it is highly unlikely that I will ever get my money back from him. Nevertheless, I firmly believe that U.S. Bank is primarily at fault for allowing my ex-husband to cash my tax refund check without having my signature on it, and without his name even being on the check as a payee. It is my hope that U.S. Bank would reimburse me in full for their error, and then they can worry about pursuing my ex-husband for his criminal deceit. Thank you in advance for your assistance in this matter.

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 2021-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I, XXXX XXXX never gave TransUnion written consent to furnish certain information on my consumer report. Pursuant to 15 USC 1681b ( a ) ( 2 ), any information furnished has to be in accordance with the written instructions of the consumer. 

I, XXXX XXXX entered into consumer credit transactions through the approvals of extensions of credit from my credit card, which should be excluded from consumer reports pursuant to 15 USC 1681a ( 2 ) ( B ). 

This company has been notified about not having my written consent and given an opportunity to resolve the matter however stood by their decision to not make the necessary changes for a specific account. They have willfully and knowingly violated this section under the FCRA.

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 2021-12-12
Company: CREDIT ACCEPTANCE CORPORATION
State: NE
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Acceptance Corporation added and Auto debt to my credit report report as a collection in the Amount of {$6000.00}. I have no knowledge/responsibility of this account and never received any letters/statements detailing charges or phone calls. In XXXX of XXXX Credit Acceptance Corporation changed the account status from a closed collection account to an open account status and changed the payment information after I disputed not having any knowledge of the account and attempted to verify the debt. They started reporting late payments every month from XX/XX/XXXX. The payment histories they added have drastic differences between each of the credit bureau reports when I have never paid on the account. I sent them a final demand letter on XX/XX/XXXX to send me information to verify the debt. They will not respond to my 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 2022-08-04
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account EQUIFAX reporting XXXX  Account # XXXX Bal Date XX/XX/22 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for a home equity line of credit w/Bank of America. The process began in approximately late XXXX-or early XXXX.I dealt with XXXX   XXXX, Fin.lending officer, Assistant Vice President. He himself guided me through the process. At approximately mid-XXXX he informed me that I'd secured the loan, but there were still a few loose ends I had to address. Every item B/A asked for, I complied, including me filing 3 different notarized papers in the court of records.Next, he informed me that B/A can't verify my pension in that is it for life or temporary. The bank manager talked w/ my pension people. I served 25 years at XXXX. I retired XXXX. XXXX called to informed me that B/A denied the loan because they couldn't determine if my pension was for life or not.B/A sabotaged my loan which reflects a XXXX practice. They promote false advertising in that they're here to help.So no retiree from XXXX or any other pension has gotten a loan using their pension as income.And why wasn't this brought up at the beginning instead at the very end? B/A kept pulling rabbits out of the hat. Remember, XXXX told me to my face that I'd secured the loan. So, obviously I and my family are disappointed, to say the least.

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 2022-04-29
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these late payments need to be updated.

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 2018-10-05
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). The statute of limitation in Texas is 4 years. The original debt is over the statute of limitation for this debt to be collected on. Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by { {$10000.00} } per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/21 I placed order XXXX on www.HomeDepot.com totaling {$6000.00} of kitchen cabinetry including delivery using the Home Depot ( HD ) credit card. On XX/XX/21 I contacted HD Customer Service to inform them that all but 3 items had been delivered, and to inquire on the delivery of the 3 missing items. They stated that their 3rd party delivery service reported all items as delivered and told me to file a dispute with HD Credit for a refund. On XX/XX/21 I called HD Credit Services to file a dispute on the missing items totaling {$300.00} and at that time informed them that the items in question had not been received. On XX/XX/21 the HD Credit sent me a letter offering me an opportunity to provide additional information regarding the dispute. I had no additional information to provide as I had already informed them that the items had not been received. On XX/XX/21 the HD Credit sent me a letter stating they would not issue a refund. I just want my refund of {$300.00}.

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 explanation
Consumer complaint received 2020-05-01
Company: TrueAccord Corp.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ture accord trying to collect debt not mine. Contact has only my name on it not sign by me. Name printed on the contact too neat for my writing. Sales person on contact no longer with mattress co

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
yes i have more information about sears credit card fraud investigation name people has card is XXXX XXXX and her husband put it under my name got account open under my name fraud need to be stop 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 2021-12-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I, XXXX XXXX never gave Equifax written consent to furnish certain information on my consumer report. Pursuant to 15 USC 1681b ( a ) ( 2 ), any information furnished has to be in accordance with the written instructions of the consumer. 

I, XXXX XXXX entered into consumer credit transactions through the approvals of extensions of credit from my credit card, which should be excluded from consumer reports pursuant to 15 USC 1681a ( 2 ) ( B ). 

This company has been notified about not having my written consent and given an opportunity to resolve the matter however stood by their decision to not make the necessary changes for a specific account. They have willfully and knowingly violated this section under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: WELLS FARGO & COMPANY
State: MN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I have had a 10+ year realationship with WELLS FARGO. I also in the past have taken out Unsecured Personal Loans and had no issue with approval. Actually, the last time I applied I was approved in under 20 minutes. 

This time however, I put my roommate on the loan who has bad credit. I was told that the leading applicant who makes the most money ( me ) would be the primary on the loan and that there should be no problem in applying. 

They declined my loan because my co applicant has bad credit. HOWEVER, I was told that he should not have an effect on this loan other than being able to build credit by being a co applicant. 

My issue is this- How the XXXX can I apply for a loan and no one calls me to follow up and tell me WHY I got declined. Provide me with NO NUMBER to call in and find out more information. No link to see reasons of a decline. Nothing but a pointless hit on my credit and my co applicants, who clearly has bad credit so why not hurt it more by applying. 

Wells Fargo is nothing but a bunch of rich XXXX who give XXXX wages to their emplyoees and rip people off. How is a RELATIONSHIP lender not going to loan me money at the MINIMUM amount when I have over 9k+ in savings and a credit score over XXXX. 

They need to be fined for more than chump change. They need to change their processes. If you really are the CFPB DO something rather than give a tiny fine and then take the money to your own pockets. 


Feel free to look up my loan Unsecured : XXXX - 36 MONTHS 8.747 % - {$95.00} a month XXXX XXXX one of the managers of lending needs to be fired.

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 2021-12-13
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
So two weeks ago I found a nets spend card in my name thought I resolved issue but another card was ordered and was in my mailbox I didnt activate but cant get information on how its being ordered and I have been having multiple issues over time with identity theft since XXXX my information license and signing student loans online with soc sec number etc bought cars etc its I closed my netspend account many years ago I have bank account so netspend XXXX XX/XX/XXXX. XXXX. XXXX XXXX is on 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 2021-12-13
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
On XXXX lady called and was talking about a workshop and needed to pay a fee. 
Come to find out it was scam. I reported the case to Law enforcement as the EDI of California was being used. 

XXXX app phone is XXXX XXXX XXXX XXXX XXXX phone and fax is telephone is XXXX XXXX XXXX XXXX 3 cards were used with XXXX app who have a high security with XXXX  and banking a deposit to verify the identity. The refund was approved XXXX and XX/XX/XXXX but Vanilla Gift card - inccom is holding on it. 

This message was sent to the following 5 people : XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX. Replying to this email will notify them.Hello XXXX, Thanks for following up.Please note that when we concluded the investigation, we found out that you were eligible for a refund for each reported card. However after numerous attempts, each try gave us an error message. This meant that the card had issues which we can not control.Your case was closed as we didn't hear from you after a while we also can not keep a case open for too long. So since the case is closed, your only recourse is to dispute these unauthorized charges with Visa. Once these disputes are filed, these will enter our system and you will get your money back.Please let us know if anything is unclear.Kind Regards, XXXX & XXXX This message was sent to the following 6 people : XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, Dispute Form Entry. Replying to this email will notify them.Hello XXXX, Thanks for coming back! There will be no action required from you since the dispute has already been filed with Visa. So what will happen is that Visa will give you the money back, you just have to wait for their advice that the money is on its way to you.Any information request or questions you have should be directed to Visa because you filed the dispute with them.Kind Regards, XXXX and XXXX Dispute Form received by Vanilla cardXXXX XXXX, XX/XX/XXXX, XXXX XXXX  XXXX, me, giftdisputes Hello, I received your dispute forms. Please send the full 16 digit card number of each card you are disputing.Or, you may send a photo of the front and back of each cardXXXX XXXXDispute Coordinator IDISPUTE RESOLUTION TEAM

Company response to consumer: Closed with explanation