BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act & CARES Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 

Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor May nit treat a payment on a credit card account under a open end consumer credit plan as late for any reason. 

CARES Act : 17 SEC. 4021. CREDIT PROTECTION DURING COVID-19 18 Section 623 ( a ) ( 1 ) of the fair Credit Reporting Act 19 ( 15 U.S.C 1681s-2 ( a ) ( 1 ) ) is amended by adding at the 20 end the following : 21 ( F ) REPORTING INFORMATION DURING 22 COVID-19 PANDEMIC. 



Below are the late Missed Payments in question : XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XXXX XXXX I spoke with a customer service representative with this company and was told I would be on a payment plan and that there will not be any late payments reported a month before and during the pandemic of 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 2022-09-23
Company: DISCOVER BANK
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
There is a lien on my property from Discover Bank ( XXXX ) for a loan ( {$35000.00} ) which was paid off completely 15 years ago. However my Title Company says that Discover Bank XXXX Discover Home loans ) has a lien against the property. I have difficulty in selling this home because of this. At the time of the loan the house was in joint name but my wife has now passed away. I need this lien to be released immediately. I have called several numbers in Discover Bank and they have no record. They don't have an loan number either. They tell me that the loan was serviced by somebody and they told me to contact two other companies to obtain release and they both say that they don't have an outstanding loan on the property or in my name or SS #. However nobody is offering to release the lien. I am stuck because of the incompetence of the Discover Bank and its loan servicing companies. I am also losing money. Please help me with a solution. I am providing the name and address of the property to help the process. 
Property XXXX, XXXX XXXX XXXX MD XXXX My name XXXX XXXX XXXX ( AKA XXXX XXXX ) Wife XXXX XXXX XXXX ( deceased )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
As of today I was alerted that there's a new inquiry on my report from " XXXX XXXX '' when I googled that company it was a company that ran SS # for rental apartments. I am not looking for an apartment nor have I authorized any such activity. I am now afraid someone is using my ss #. 
I did not authorized XXXX XXXX to run my credit. This is fraud.

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 2022-12-02
Company: Radius Global Solutions LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have repeatedly informed this company to stop all contact and collection with me. 

They text everyday and call everyday.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: TD BANK US HOLDING COMPANY
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Target sent an authorization {$44.00} ACH to my XXXX XXXX XXXXXXXX back in XX/XX/2022 to my account from their system without my permission I never submitted the approval it was done automatically without consent through their system. I have disputed the {$44.00} ACH directly with Target with no resolution and then I submitted a complaint with the bank as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
We used our travel rewards on our credit card with Chase using their Chase Travel Rewards service to buy a return trip ticket from XXXX XXXX  to XXXX XXXX for travel on XX/XX/XXXX and return travel on XX/XX/XXXX of 2022. The chase credit card is in name of XXXX XXXX. The travel was for XXXX passengers XXXX XXXX ( wife of XXXX XXXX ) and XXXX XXXX ( son ). The trip ID was XXXX. We used our rewards points with additional cash amount. It was a refundable ticket. We were not able to use the return portion of the ticket due to a death in the family and informed chase travel rewards and the airline ( XXXX XXXX ) ahead of the return travel date. 

Chase travel rewards has now been giving us the run around to refund our amount for the cancelled leg of the flight. After XXXX call and spending XXXX hours with them they finally processed a refund or {$2000.00} on XX/XX/2022. They also gave us a processing ticket number XXXX, but till date have not remitted that amount. After following up they have started to deny that the amount was processed, have started asking for additional fees to reprocess the refund and have been giving us the run around. They often disconnect the call after having kept us on the line for an hour and never call back. We seem to have no redress. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: AMERISAVE MORTGAGE CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On or about XX/XX/XXXX of this year I received a phone call from an Amerisave Mortgage Corporation XXXX  XXXX XXXX XXXX  asking if I would be interested in a getting a home mortgage from their company. I happen to be searching for a home loan so there call was very timely. I disclosed to the agent my information including, current income status and source of income. credit information and access. I let the agent know that I am retired and on a fixed income. After checking my credit he let me know that I qualify for a FHA home loan. He also stated that I have to lock -in rate for the mortgage which would cost XXXX to lock in the rate at 4.5 % I did hesitate initially however I called back and agreed to the lock-rate and paid the XXXX The representative advise that they could give me a loan with a locked rate based on our conversation. He indicated I could purchase a home up to XXXX to my amazement since other companies had approved me for much less. I did question how their company could pre-approve for that amount and he stated that they are different because they don't spend any money on advertising. Anyway, I sent the agent copies of my income verification for both pension and social security. He checked my credit from the start and approved the above stated approval. He also provided a certified approval letter for the same amount up to with the loan amount of XXXX. However, once I found a house put down earnest monies the loan amount was changed three time and ended up being XXXX, no where near the certified approval. Nothing had changed my income was all verified before the approval letter was issued. They also had me bringing every bit of my access to the table and expected me and the sellers to simple accept we made a mistake with estimating your income. This is clearly a case of BAIT & SWITCH. Currently, my earnest money is in jeopardy along with the XXXX for the rate lock, the sellers has lost time and money keeping their home off of the market waiting for a closing to happen and trusting a certified pre-approval is a commitment from the mortgage company that the loan amount approved. Both seller and buyer agents have worked constantly trying to make some sense out of this mess. The mortgage companies response is only we made a mistake. After, conducting some on line research of this company I realized that in XXXX they were sued for the exact same practice. This is just unacceptable!

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 2022-06-08
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I sent in disupte letters to dispute inaccurate information regarding my credit report. These accounts XXXX XXXX XXXX XXXX and orignal creditor plus more accounts were showing multiple inaccursies across the board for each account from date opened, acct number, account status and remarks. Since FCRA law states I can dispute any information I feel is inaccurate i sent to all bureaus my reasoning for my removal request. I also sent in letter the FCRA law explaining their responsibility of maxium possible accuracy reporting and how they failed to follow the law, I have not heard or seen any type of repsonse to the letters I've submitted over 30 days ago. So i sent out another and made them alert that I was notifying you all.

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 2022-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The company is receiving my checks and does not post them right away. I have received several late fees. I have proof of mailing from my bank yet Capital One does not apply the payments right away. 

Also, the minimum due does not make sense. One Customer service representative incorrectly explained interest accrual.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I attempted to add the account number and routing number for an external bank account to my Citi account in order to make an ACH transfer from my Citi bank account to my external account. When I did this, I received error code " XXXX '' and a phone number to call to attempt to resolve the error code. 

I called the number and spent approximately 1 hour speaking to various representatives about this issue. I was told that due to a " maintenance issue '' I could not add an external account, but the maintenance would be done in 24-48 hours.

After 48 hours, I attempted to add the external account to my Citi bank account. I received the same error. I called Citi again. Citi now stated that Citi has discontinued the ability to add external accounts using an account number and routing number. Citi stated that the only way to add external accounts was by using XXXX. Nevertheless, the ( non-functioning ) option to add external accounts using account numbers and routing numbers still exists on the website, and as an option in Citi 's terms and conditions. 

My external bank account does not support XXXX. Thus, I can not add this account using XXXX. Furthermore, the use of XXXX is prohibited by the terms of service of most banks, as it requires providing bank account logins to a third party service. 
I am therefore unable to access my funds in my Citi account! 

In order to access my funds, I also attempted to add my external account as a XXXX XXXX recipient ( as the external account is a brokerage, they are registered with Citi and appear in Citi 's system as an eligible payee ). When I attempt to do this, I also receive error code " XXXX ''. I was transferred to the fraud department to help resolve this issue. The ( nearly inaudible ) agent within the fraud department requested that I receive a verification phone call in order to verify my account. I could not do this as I was on the phone with Citibank. After some time, the agent stated that " my account was not eligible for servicing at this time, bye-bye '' and hung up. 

As it stands, the funds in my account are inaccessible. I need to add an external account, but every method to do so is broken. Despite this problem, I have been hung-up on repeatedly by customer service representatives. 

All I would like is to be able to transfer funds from my account electronically. The bank does offer wire transfers for a fee, but I refuse to pay the fee given that I should have access to electronic transfer methods with no fee.

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 2022-07-29
Company: Experian Information Solutions Inc.
State: NY
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:
Hi i sent a letter on XX/XX/22 to dispute a account on my consumer report that is not accurate. experian got the letter on XX/XX/22, XXXX XXXX got the letter XX/XX/22 and XXXX got the letter XX/XX/22. I also sent a copy or driver license and a bill showing my address. They sent me a letter stating that the account been verified. UNDER 15 USC 1681i ( c ) ( 5 ) -Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Started with XXXX XXXX, reported it directly to the Police on XX/XX/XXXX Created an XXXX account. 

None of these following accounts are mine : XXXX XXXX Account and reported it to them on XX/XX/XXXX, I still continue to receive alerts for this account. the name on the account is not mine. Shows a monthly payment of {$910.00} and a balance of XXXX, Capital One showing date open XXXX XXXX credit limit {$3000.00} shows late payments. 
XXXX XXXX showing date open of XX/XX/XXXX Credit limit {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, the below accounts have 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


Subject Accounts : XXXX : account # XXXX XXXX XXXX : account # XXXX XXXX XXXX : account # XXXX XXXX : account # XXXX XX/XX/XXXX: account # XXXX XX/XX/XXXX account # XXXX XX/XX/XXXX : account # XXXX XX/XX/XXXX account # XXXX XX/XX/XXXX : account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act and XXXX  Accounts : XXXXXXXX XXXX XXXXXXXX XXXX Account : XXXX XXXXXXXX XXXX XXXX AccountXXXX XXXX. XXXX XXXX XXXX  Account XXXX XXXX XXXX. XXXX Account : XXXX XXXX. XXXX XXXX XXXX XXXX Account:XXXX XXXX. XXXX XXXX. 
Account:XXXX  all of which has violated my rights. 

15 U.S.C. 1681section 602 A. states I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish any account without my written consent of instructions as well verify the true and accuracy of the information with consumer.

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 2022-12-04
Company: Spring Oaks Capital, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Spring Oaks Capital LLC has violated my consumer rights and are illegally attempting to collect a debt in a state that they arent licensed in. Due to this fraudulence, I would like this account removed from all three of my consumer reporting agencies reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My student loan account is reporting a late payment on 9 different accounts during the time of COVID. I reached out to the Credit Bureaus no update o even emailed the the XXXX XXXX on XX/XX/XXXX who stated that they cant have the account updated. According to the Student Aid website loans are paused with XXXX XXXX. I have never been late on my payments always been in deferment. Please provide me with an update

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 2022-09-23
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I took a loan of XXXX dollars from XXXX to buy an item, and when I slipped on the payment, I called them and discussed ways to pay them off, and was making those payments, but they kept jacking up the interest so much I wasn't making a dent, on XXXX any less which is insane. So one day I go to make my payment and it's no longer listed on XXXX. I thought that maybe it was gone for good or they dismissed it due to the amount of interest they collected from me. I was literally unable to make a payment at this time due to them removing it from their site. Years later I get a letter saying that I owe {$500.00} dollars. So I call them, and I'm on the phone with this rude woman, and they're threatening to harm my credit if I don't pay them off. So it goes from {$300.00} to {$500.00} and I was powerless to make a payment due to their tactics. I make my payments, and I have excellent credit, but they literally made it impossible for me to pay them and then jacked up almost double the amount of interest on me. This isn't fair at all! Now the company is calling itself LVNV FUNDING LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My brother who is XXXX tried to send me a check for XXXX Wells Fargo deemed fraudulent, they said to have him send another check which he did, I went into the Wells fargo branch opend a new account deposited the money, the bank XXXX approved the check. We are dealing Wells fargo to Wells Fargo, we both have the same last name and my name is on XXXX of his other accounts. Again they said it was forgery, then in speaking to Wells Fargo I explained my brother is in the hospital can not walk and wont be released anytime soon. They advise for him to do a wire transfer since he can. He did that on XX/XX/XXXX. Next thing i know my accounts are frozen. for Fraud. I call the fraud number, explained it isnt fraud, she said can your brother call. I said yes. My brother who by the way is in another state, calls the bank they verify and he confirms he wants the transfer of XXXX to be sent to me. They said they didn't believe him, even though they sent a pin code, and asked his social, birth date etc. He gave them all my info as well. They said he needs to go to the bank,. he explained he is in the hospital and can not walk and if he could go to the bank he wouldn't need to do this. He then tells them just leave the money in his account and release my accounts and they wont do that. I call back and they refuse to help me and still consider this fraud. We follow their instructions and do exactly what they said and get everything verified. Even the person on the phone said all of the information is verified, but whomever is making a decision that is affecting my brother who needs help now to have someone pay his bills and my access to my banking. They are ruining our lives for no reason and causing all of this XXXX and locking up my accounts is absurd. I have been a customer for over 20 years as my brother has been. I need someone to help. No XXXX will.

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