BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: Cash Express, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I had a title pawn at cash express in XXXX Tennessee. And I lost my job after I got the loan. And they didn't offer to help me at any rate. After 6 months of paying or more, they were charging me a extra fee. Just because it was 1 day late. My payment was due on the XXXX. They charged me {$650.00} a month on the XXXX. I went to get place a title pawn at cash express in XXXX, and I'll was just going to pawn it for like a {$1000.00}. Well, when she pulled up my truck, that I was pawning and the amount it was worth. She said you can get the max. She pretty much talked me in to taking a maximum payment or a maximum loan. Knowing already had 2 checkloans. That was maxed so my vehicle got repoed. Now I have no truck and I still owe for a check. 
I was never told that I could renew my title loan or never offered any kind of deal with it. So here I am stuck with no truck and out of all that money and probably waiting to hear from them to tell me I owe so much money after it sold., I had paid it down to where i'd paid the interest already off. But they wouldn't help me none. One because they call me every single day of the week. Bugging me and I wouldn't answer every single day. But when I did tell them I had a problem just because I couldn't pay. They didn't offer to help none whatsoever. They even come on, my Private property with no one home to try and get the truck. I have them on camera. I have them on camera without telling me they were coming.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
To the Consumer Financial Protection Bureau I believe that XXXX XXXX Account # XXXX and XXXX XXXX  Account # XXXX have violated my rights under the Fair Credit Reporting Act ( FCRA ). My privacy rights, as stated in 15 U.S.C 1681 Section 602A, have been compromised. Additionally, 15 U.S.C 1681 Section 604A, subsection 2, prohibits a consumer reporting agency from furnishing an account without my written instructions. To rectify this situation, I kindly request that you promptly investigate the matter and take appropriate action to ensure compliance with the FCRA. I seek a fair resolution that upholds my privacy rights and prevents future violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Bank of america responded and once again said I am at fault, basically calling me a liar and a criminal which I am not. 

My debit plus ect. We're STOLEN BEFORE ANY OF THIS TOOK PLACE. 

bank of america is not fixing the issue correctly... I am currently homeless because of how long this has been ongoing. I am sick.. and need help please. I did not do this. My account was being tampered with. Please help me. 
Back in XXXX of XXXX my truck was broken into and my gov I.D Social Security card, Birth cirtificate, debit card, plus clothing, medications ect, were STOLEN .. i was homeless at the time and still am today. So many bad things were already going on in my life that filing for identity theft wasnt gon na help, who ever stole my debit card kept it and took total of XXXX out of my account in XX/XX/XXXX of XXXX ... whoever broke into my car knew i had a pending claim previously awaiting to be credited, they had ALL MY INFO and there was nothing i could do ... when i call to do a check up on my claim from XXXX they say it was credited, but i saw no fund .... thats when i reported the crime to bank of america in XX/XX/XXXX in a timely matter. I was unaware of the funds being tampered with i then proceeded to filing to for indentity theft because i didnt want anything else being messed with .... it is now XX/XX/XXXX and i have been fighting every day too get my claim resolved properly... i gave police reports, sheriffs contact info.. written statements and bank of america has been unprofessional and lack the care too help me resolve my issue... bank of america is treating me as a criminal. I filed a claim with CFPB back in XX/XX/XXXX, bank of america has not given a final response. My issue is not being handled .... i feel discriminated against. Bank of america fix this issue and return my funds.

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 2022-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is a formal complaint against the claim that was denied on my account. 
I received an email from Bank of America on XX/XX/2022 advising me about a fraudulent transaction. I immediately called the bank to report the fraudulent transaction. this was the time when I was made aware that there were fraudulent charges on my debit card. Several days later I received a letter from Bank of America informing me that my claim was denied because they think i gave permission to someone else to use my debit card. I called the bank of america to have my claim reevaluated and i was told to write a letter to the claim department which I did in a timely manner. I went to the Bank of America to get the letter faxed.I was told by the branch manager that he faxed and that I don't have to worry because my card offers me zero liability for fraud. severals weeks later i received another letter from bank of american stating that my reevaluation was denied again and there is nothing they can do. i explained to them that i need this case to be fixed because im recovering from a bad year due to the pandemic and need my money back.they said no and hang out. Also, they failed to send proof of purchase to see who did the purchase. 

Fraudulent transactions are the following : XXXX for {$3900.00} XXXX XXXX {$150.00}

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 monetary relief
Consumer complaint received 2023-05-25
Company: Phoenix Financial Services LLC
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received a phone call from an unknown party, they claimed to be debt collectors.

They attempted to extract the last 4 digits of my SSN and my date of birth. They claimed I have an ambulance bill from 2015. I have not been in the hospital nor have I used the ambulance that year. The phone number indicated on the caller ID is XXXX They wanted me to " settle '' the debt, I assume their next step was to extract a debit or a credit card info.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Credit Karma, LLC
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received an email from Credit Karma saying I had good odds to be approved for a XXXX Credit card that would allow me to transfer balances with 0 % interest for XXXX months. I was hesitant but I already have XXXX XXXX card and have never been late and since it showed my odds were good I applied. I was denied and was told I would receive a letter in 7-10 business days. It was a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company XXXX XXXX Acct XXXX XXXX is in clear violation of several consumer laws put in place to protect consumers like myself from willful disregard of basic consumer rights. *Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. *Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form. Through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report. There are several inaccuracies as it pertains to the reporting of this erroneous account. ( Date last active, date opened, dispute status )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: NJ
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: Lendmark Financial Services
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
i am sending this in dispute of lendmark financial. now i find the new interest rate on a loan to be over 37.47 %, they also claim they explained the loan terms to me. yes, but they did not disclose the interest rate to me. they never do and i never paid it any attention until now and now i am concerned. Plus they kept sending out new loan invitations back to back in the same month to me in my emails. i was supposed to wait six months before this happened but it didnt, so they baited me into getting a higher loan amount which is strange and weird. loan companies should be reprimanded for doing that to customers and getting them higher interest rates and more debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone was taking my money each month from my checking account. 
The way that they charge me, is a subscription that I never ask. 
I told my bank about it but they said that was not possible, because I received benefits from this company. 
They supposed to do their research, but they still said that is not possible to recover my money. 
They just send me a letter about it, but they don't include any information about this company or the service they said I am getting benefits from. 
Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
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: Account information incorrect

Complaint:
I am writing to dispute the account XXXX XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? You obviously are reporting the wrong balance and I have sent my original documentation to proof to you that the balance is incorrect. Under the laws of the FCRA I know that I have reason to sue you for many violations. I enclose copies of my requests asking to validate or remove this account. The letter is dated, and time stamped so there is no way to lie during court. I will be filing a statement of claim if this account is not removed. Stop reporting this information on my credit report for failure to legally verify.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: EQUIFAX, 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:
My complaint is, XXXX is stating they are reporting accurate information to XXXX, EQUIFAX, and XXXX. However, the reporting agencies are not reporting accurate information in my report, which is violating my rights as a consumer under the FCRA laws. 

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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: CITIBANK, N.A.
State: OH
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:
As part of the XXXX XXXX XXXX XXXX Credit Card program, if you spend {$1200.00} in a calendar year, you are eligible for Platinum rewards in a tiered based reward system. I spent ( consciously ) to the {$1200.00} threshold within the calendar year, but was not rewarded with Platinum status. 

I called the customer service department in XXXX after receiving my XXXX statement which did not reflect the Platinum status I earned. The customer service rep said she would open a case and get back to me. I have not heard back, and as of XX/XX/XXXX my rewards status has not been updated. 

I have statements which prove I met the spend threshold in XXXX, and I would like to be upgraded as required per advertising. Otherwise, this is a XXXX violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing because I am unhappy, frustrated and wholly dissatisfied with my interactions with Nationstars Loss Drafts Department as it is holding my insurance checks hostage. Nationstar ( Mr. Cooper ) purchased my mortgage in XX/XX/2022 from my original mortgage company, XXXX XXXX. I received a notification letter informing me of the transfer. My home experienced water damage in XX/XX/2022 after a pipe broke. I immediately contacted my insurance company, XXXX XXXX, who subsequently sent a water mitigation company and then a repair company. After I sent the first check from XXXX XXXX to be endorsed by Nationstar, I received a letter in the mail informing me that Nationstar required a property inspection after repairs were completed. Whilst I was okay with the inspection, I was not at all okay with paying the cost of the inspection. What feels especially egregious about the fee ( s ) for the inspection ( s ) is that they are added to the principle of my mortgage balance which means I am paying interest on them. When I called to discuss this, I was made to go through an endless, confusing, automated phone tree where I rarely had the chance to speak to an actual human, and if I did they were either rude and unpleasant or based outside the U.S. with minimal English fluency. I am still trying to complete the repairs to my home. XXXX XXXX issued me two additional checks which were also addressed to Nationstar and at this time, it appears as though Nationstars Loss Drafts Department is holding my checks hostage. The last time I provided a check for endorsement, I was told I needed to send over the check and the adjustors worksheet and would receive it back in 2-5 business days. This time, I submitted the checks and the adjustors worksheets sent with each check. Instead, I received a phone call from XXXX XXXX who informed me that I would also need to provide the estimates from each of the companies that performed the repairs. I sent those over. She then stated that unless I paid for an inspection, she would not be sending the funds. Holding the checks from my insurance company hostage like this is unacceptable. I am writing to launch a complaint because as stated, I did not choose this mortgage company and did not give my consent to any of these policies and currently their refusal to issue me those funds is making it so I can not repair my home. At this time, I am still making payments on my mortgage in a timely manner and I have never had a single late or delinquent payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: WELLS FARGO & COMPANY
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo Home Mortgage has had my address incorrect for XXXX years ( as long as I have had my home ) they have refused/ will NOT fix it. I have sent them a copy my Deed and appraisal. This has caused issues with my home insurance provider. I have numerous times and yet they will not fix it even after they say they 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 non-monetary relief
Consumer complaint received 2023-05-25
Company: National Credit Adjusters, LLC
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:
I called and spoke with some one about a Debt that they are Reporting from National Credit Adjuster the debt is from XXXX XXXX Date is XX/XX/2017 the XXXX is XXXX I want the Original Account with my Signature

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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