BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-02
Company: Financial Business and Consumer Solutions.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
There is a Debt Collection Agency based in XXXX, Florida. They know how to rotate their number, so the recipient like me does not recognize it is the same agency. The number rotates from XXXX ( appears XXXX ), XXXX, XXXX, XXXX, XXXX, then again XXXX, XXXX. Calling me almost daily since they just started this on XXXX/XXXX/15 during my working hours or XXXX the same day. They Claim I owe a debt with XXXX of a Card I used to own known as XXXX. Believe this is an old debt back when I was in my early XXXX, which I 'm now XXXX old. Please, please need your help to stop harrassing these calls as I know these types of agents with debt agencies get paid commission to successfully sell on a debt to be paid. My Debt is beyond the Statute of Limitations in the XXXX Florida Area. This company is based out in XXXX. Please keep me updated and desperately need your help to stop the Harassments. Thank You.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Cash app is the worst if you make a transfer they'll cancel your transfer for no reason without even verifying with you like that's unprofessional if you ask me i transfer a XXXX to my sister it was cancelled and now my bank taking me through changes this is not right at all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
wells fargo dealer services was paid off in XX/XX/XXXX and they refuse to release funds mistakenly sent to them by XXXX XXXX in XXXX XXXX, nc by simply returning the check back to the dealer when they saw the account was closed ; instead they kept the funds and refuse to release them. 

I called in XXXX, XXXX and XXXX ; One rep said the funds was sent in XXXX XXXX the next rep said the same. the next rep said it was sent back to them for the wrong address on their file. the next rep said they didn't send nothing they don't have it. the next rep said they haven't released it and it will take 120 days and there is nothing I can do about it and go ahead and report it because there was nothing no one can do, it was their rules and they will wait for the complaint to come thru and they will tell regulations the same thing in a very snobby and boastful way. I reminded them I had the loan since XX/XX/XXXX and never had a issue giving you may money and was never late, now you want to behave like kids when its time to return money that doesn't belong to you, how rude. I will never get a loan from them ever again, they are the worst bank ever in this dept. 

I filed a complaint within their excecutive office XXXX XXXX and they haven't gotten a resolution yet... XXXX case number XXXX XXXX XXXX XXXX filed XX/XX/XXXX and they got back to me on XX/XX/XXXX Acct # /Loan # XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have been disputing fraudulent accounts in my report but I get no response from either creditor nor the bureaus. The problem is still there and nothing has been done to address my concerns.

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 2022-06-17
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:
On XX/XX/XXXX I filed a dispute with Transunion regarding the balance on one of my credit cards. They had reported the balance to be $ XXXX for multiple months, although the balance was only {$970.00}. On XX/XX/XXXX, the statement for my card came out, and my balance was {$970.00}, Transunion still had my balance at {$6500.00}. I disputed the AMOUNT of the balance, not ownership of the account, and the account was completely was removed from my credit report as a result of this dispute. I called Transunion, in order to rectify this. They said the creditor is the one who removed it. I then called the creditor, they said they did not, and can not legally remove anything from my credit report that I am responsible for. I called Transunion back, they said again, it was the creditor who removed it. So I called the creditor back, they said they had no knowledge of a dispute, and did NOT remove this account from my credit report, and again explained that they are legally responsible for reporting anything and everything on my credit report. Again, my dispute was over the balance not ownership. My Transunion credit score dropped 50+ points as a result of removal, my XXXX credit score increased by XXXX points as a result of this removal. I believe that Transunion did not contact the Creditor, as I previously said- they have no knowledge of this dispute, and nothing in their system saying that it should have been removed.

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 2021-01-28
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid this debt collection in full and they have promised to remove this off of my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: EQUIFAX, INC.
State: CA
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:
Please remove the following unauthorized inquiries from my Equifax credit report : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX   XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
1. BANKRUPTCY CHAPER XXXX - DISMISSED with REF # XXXX Filed on XX/XX/XXXX with a amount of {$0.00} COURT - XXXX XXXX XXXX XXXX XXXX 2. BANKRUPTCY CHAPER XXXX - DISMISSED with REF # XXXX Filed on XX/XX/XXXX with a amount of {$0.00} COURT - XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Back in XXXX of 2019 Sychrony bank lowered my Credit limit for no reason. I had a {$4500.00} limit and they decreased it to {$1300.00} which was {$10.00} above my balance. I contacted Sychrony bank and they sent me a letter that stated My revolving balances where to high. ( These balances have only decreased from the time I got the limit increase ) My real estate balances are to high ( I just purchased my home and this is the reason I got this card ) I spoke with Sychrony on a few occasions where no one was able to tell me anything but read my letter and we will review and call you back. I never received a call back so I decided to file a XXXX XXXX XXXX complaint. With this complaint I asked for my credit limit to be put back to what it was. They wouldnt respond to the XXXX  complaint and said they mailed me the response for my privacy. The letter I received was only the same letter I received from them when they lowered my limit. This action by them dropped my credit score by near 40 points. Today I receive a letter notifying me they have closed out my account. The letter states the same reasons as before and yet my credit cards have been doing nothing but decreasing in balance as well as my home loan. I have not missed a single payment on any card I have in many years including Sychrony bank card. So I called to find out what the deal was. I spoke to a account manager by  the name XXXX and she had no info at all. First she tried to tell me this is a new thing they are doing where they inspect your credit report Quarterly and my score must have dropped. The only reason my score has dropped is because what they did to me in the first place dropping my limit to 99 % utilization. So now they have negatively effected my credit yet again by closing a account that I have never missed a payment or even been late on. I feel this has been done maliciously because I filed a XXXX  complaint against 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 2022-06-17
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C. 1681 Section 604A 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 2020-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXX XXXX please delete any other names. I would like to request a security freeze placed on my XXXX XXXX Report. I choose to opt-out of your disclosing future information until further notice. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. The following addresses are not mines : XXXX XXXX XXXX APT XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX THESE NUMBERS DON NOT BELONG TO ME PLEASE DELETE : ( 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 2017-07-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have contacted Experian multiple times in the last 2 years and they refuse to report my chapter 7 bankruptcy accurately. I have provided the discharge paperwork and still even as of this morning. They claim their " public record vendor '' has to provide the information and has not. I was also told they ca n't take a copy of the discharge from me either. This is ridiculous and is inhibiting my ability to apply for apartments, job screening etc. due to the low score as a result from inaccurate information.

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 2022-02-21
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:
XXXX  XXXX bank credit card frivolously and capriciously reported in inaccurate and misrepresentation of facts on account been late for two prevailing months as identified as a violation of XXXX XXXX In credit reporting, billing, and disclosures as a matter of law. 

Payments were made timely with the credit card company by account owner and holdeXXXX XXXX XXXXXXXX credit card company desperately transferred a full payment made by an account holder to XXXX in bad faith with misrepresentation or error created by them in processing the payments that resulted in accurate reporting of a late. 

To address these concerns, a letter was sent by XXXX XXXX credit card company last month as an apology and credit the account. And, was doing what is right to correct capricious billing practices. 

This account is not my account, nor account holder as authorized person to help resolve issues created unfairly by the bank actions. 

Inconclusion, this is not my account and non account holder. The person responsible told them to remove it immediately. The bank bank has failed to act in good faith by continuing to report inaccurate information that caused financial injuries.

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 2020-10-06
Company: USCB Corporation
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i am a XXXX  this school and i have tried them to set up payment arrangement 's to at least pay a little something to show them that i am trying to catch everything up to standard and i have tried to call them plenty times to let them know what i can pay and i have also informed this school that i am on a fixed income and that i have other financial obligations like purchasing food and other things as well. but when i have tried to talk with someone no one never answered my phone calls and i have even left messages for them to returned my calls but the phone phone calls was not returned. but every since this virus is out here in this world they want me to pay all this money and i would not be amazed at all if they are charging interest due to this virus. no not at all. and that is what all are the companies are doing. these day 's. using this virus as a excuse to over charge the consumers for services that the people and the consumers did not cause. i feel that as consumers should not have to pay for a virus that they did not cause and i feel that they should not be over charged for services and for people that are on a fixed fixed income and struggling to feed their families and loved ones. and there is no work going on right now due to this very deadly virus that is taking the lives of family member 's and loved ones. and keep in mind that this company and all other companies are not the only ones that has to eat and provide for their families and loved ones. and now these companies are using these scare tactic 's to get more money to support their families.

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 2022-04-08
Company: HYUNDAI CAPITAL AMERICA
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XX/XX/XXXX, I registered my car in Maryland where I moved to from Alabama. Hyundai Motor Finance never sent my title to Maryland. Fast forward to XX/XX/XXXX when XXXX buyout my lease because I am tired of dealing with their company. The first check that my bank sent them, they lost. The second check finally was obtained and the buyout was completed. They signed the Alabama title in XX/XX/XXXX and sent it to me. I took the title to a third part tag and title business to get a new title without HMF on it and was told I needed them to sign the Maryland title before they could. So the Maryland title was sent to XXXX in XX/XX/XXXX. HMF " can not find it ''. I had called multiple times to recheck the status and told the same. They can't find it and they will escalate the issue. No word back. So I apply for a duplicate title from the Maryland XXXX and it is sent to HMF to sign. It was send on XX/XX/XXXX and it is now XX/XX/XXXX and they can not find the duplicate title. I have been escalated and told the same from each customer service rep that " the titles department doesn't have a phone number to contact anyone, only email ''. I can't be CC 'd on any emails per their policy. I have to wait and keep calling to see if they can find it. This title is never being found and I am stuck waiting and calling to be told the same over and over again. They have no financial interest in this car and can not find and simply release the correct title. My current financing is through XXXX and they need a copy of the title and so do I WITHOUT HMF on it.

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 2016-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, XXXX, I applied to Bank of America ( " BOA '' ), the servicer for XXXX XXXX ( " XXXX '' ), the lender, for a HAMP Tier 2 loan modification of my mortgage loan no. XXXX, secured by my rental property located at XXXX XXXX XXXX, XXXX, MD XXXX ( the " Property ' ). I transmitted my loan modification application on the BOA required Request For Mortgage Assistance form ( " RMA '' ), dated XXXX XXXX, XXXX, copy attached. BOA then mailed to me a XXXX XXXX, XXXX, letter, copy attached, which letter denied my RMA application for a HAMP 2 modification. The XXXX reasons stated by BOA are stated on the bottom of pg. XXXX and the top of pg. XXXX of the XXXX/XXXX/XXXX BOA letter. The first reason, at the bottom of pg. XXXX, states that the lender DB has not given BOA the authority to modify my loan under the HAMP. The second reason, at the top of pg. XXXX, states alleged reasons which are vague at best. For example, the " proposed modified monthly payment '' is not disclosed. Secondly, the manner in which the " proposed modified monthly payment '' was determined is not disclosed. Third, the document which sets " the required range of XXXX % to XXXX % '' is not disclosed. Fourth, where I fit into the range is not disclosed. Fifth, the calculation formula for the " verified income '' is not disclosed. I took the opportunity, given on pg. XXXX of the XXXX/XXXX/XXXX letter, to ask for a reevaluation. I faxed XXXX fax transmission sheets, a copy of each sheet attached, with my reevaluation request in the form of a new RMA, dated XXXX/XXXX/XXXX, copy attached, and with an updated Hardship Affidavit, dated XXXX/XXXX/XXXX, copy attached. On XXXX XXXX, XXXX, I faxed to BOA a fax transmission sheet and a revised pg. XXXX, copy attached, of the new RMA, dated XXXX/XXXX/XXXX. Again, BOA denied my application for a loan modification. BOA 's denial letter, dated, XXXX/XXXX/XXXX, copy attached, gave as the denial reason that my application did not satisfy an alleged NPV Formula to which BOA allegedly had applied XXXX separate factors without stating the manner in which the XXXX factors have been applied to the XXXX Formula. I then sent BOA a letter dated XXXX/XXXX/XXXX, copy attached, which listed XXXX reasonable requests on pages XXXX and XXXX of my letter. BOA has ignored my reasonable requests. BOA 's denial of my loan modification application and BOA 's failure to respond to my XXXX/XXXX/XXXX letter under all the facts and circumstances manifest BOA 's bad faith in the processing of my loan modification application.

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