BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-31
Company: TransferWise Ltd
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The company ( WISE ) asked us for some documents and extra information about our transfers the day XX/XX/XXXX, they stated that it is a routine check. 

We replied and sent all the required information the day XX/XX/XXXX ( within the 7 days that they kindly asked us to get back to them ). 

After sending the documents, our account was " frozen ''. We could still access to the account but we could not send nor receive any transfers ( our provider stated that they were sending the payments and making the transfers but we never received them in our account ). 

After that we received an email saying that everything was fine, but we still had our account frozen ( we couldn't receive any transfers )... we tried to contact them to know what was happening and we were waiting for almost XXXX weeks for a response. I sent several emails, called a lot of times but they just stated that there was XXXX document still pending of revision. 

The day XX/XX/XXXX they just closed our account and asked for bank details through our appeal to refund our money back. Our account had around XXXX in balance, but over XXXX in pending transfers!! 

So after filling everything, they refunded us the money that was in the account which was around XXXX but we still don't know what happened to the transfers that never came! I tried to contact them several times but they don't give me any information. I talked to our provider aswell and they say that the transfers were made and none of them were returned to the sender So they are keeping over XXXX from us!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
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:
On XX/XX/XXXX I sent a dispute to Equifax which consisted of two disputes. The first stated I had not received a debt validation letter for the XXXX XXXX collection entries on my file. That dispute was addressed. The second dispute was not. XXXX account # XXXX is reported as two different amounts due and XXXX. XXXX is reporting {$510.00} and XXXX of XX/XX/XXXX. Equifax is reporting {$22.00} and XXXX as XX/XX/XXXX. I requested these entries be deleted since they are being reported inaccurately. Please review dispute and documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: MD
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:
I recently pulled a copy of my credit report and noticed a lot of inaccuracies and inconsistencies. I sent in certified letters to the credit reporting agencies to get the reported information verified and they said all the information on the report was accurate. 

After the verification process I checked my credit report again and noticed the same inaccuracies as before after a new thorough research Below are the inquiries I am disputing : Creditor Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act the above accounts has violated my rights. 

Section 604 - 15 U.S. code 1681 B - This law states the the bureaus don't have any right to report anything on your credit without your permission. 

Section 605 A - 15 U.S. code 1681 C-1 states that without consent to share your information it is identity theft Section 605 B - 15 U.S. code 1681 C-2 states if you are notified of anything on your credit it is identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
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:
Bank of America has allowed someone to use my account to buy things and is saying it was me or someone in my house. XXXX times in XXXX day, and other withdrawals or purchases not made by me or my wife.

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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear TransUnion Your company verified the below account right. I looked at the FTC site, and they stated that you have to tell me how you verified this account. You have to tell me details and not a boiler point letter. Please tell me now. XXXX waiting for your response, please re-investigate this item. 

XXXX  : Account number : XXXX, Account type is incorrect and not correctly displayed. High credit limit needs to have the correct limit. 

XXXX XXXX  : Account number : XXXX, Account type is incorrect and not correctly displayed. High credit limit needs to have the correct limit. 

XXXX XXXX  : Account number : XXXX, Account type is incorrect and not correctly displayed. High credit limit needs to have the correct limit. 

XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. High credit limit needs to have the correct limit. 

XXXX XXXX XXXXXXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. High credit limit needs to have the correct limit. 

XXXX XXXX  XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. High credit limit needs to have the correct limit. 

XXXX  : Account number : XXXX, Account type is incorrect and not correctly displayed. High credit limit needs to have the correct limit. 

Please send me details on how this account was verified. 

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 non-monetary relief
Consumer complaint received 2023-02-13
Company: HYUNDAI CAPITAL AMERICA
State: NJ
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:
I leased a XXXX Kia forte GT Line in XXXX of XXXX, I liked the car enough to decide to buy it out, so I paid off the car on XX/XX/XXXX and NEVER received the title. So I called customer service to have them explain why I didn't receive my title, The C/S Rep. informed me that Title was sent on XX/XX/XXXX by first class mail, And I should get it within 3-5 business days, after 10 days I called them again, and I asked what address they sent my title to, I found out that they sent it to a wrong address that doesnt even exist! Then I requested a lease release form and a bill of sale to at least generate a duplicate title from the motor vehicle, They said it would take 5-10 business days to receive it, and again I never got it. I contacted Kia consumer affairs and opened a case on XX/XX/XXXX to have them do a duplicate title request and NO ONE HAS CONTACTED ME. I then opened a second case on XX/XX/XXXX to create another duplicate title request and was informed they would respond and nobody has contacted me. They finally sent me a lease release form on XX/XX/XXXX, and when I went to the XXXX to create a duplicate title myself I was informed I could not create a duplicate without the authorization of Kia Motors Finance. I called customer service again and was assigned a case manager named XXXX XXXX he promised me that I would receive an authorization form by the end of the week, but it never came. I called XXXX XXXX and he promised he would get it to me within 5 business days he informed me that in the meantime he has canceled the duplicate title request, but then he realized that was a mistake and he created another duplicate title request. I have contacted XXXX XXXX multiple times since and he has never picked up my calls again. This is ridiculous, I need to register my vehicle under my name, but I don't have documents from Kia.

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 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
It has been a whole year and no relief so my issue is with Transunion, XXXX, and XXXX with their reporting of a loan company, XXXX XXXX XXXX, in which each reports a 30 day late when in actuality I used their app to close the account in XXXX of XXXX. I have proof that their app was not working properly but I didn't catch it until XXXX because I noticed a XXXX charge. I will attach the email where an agent of XXXX XXXX XXXX talks about the app and guides me through the cancelation process. This was their error, not mine. I reject and am offended by XXXX, Transunion, and XXXX reporting this misinformation. This seems deliberate and is hindering my rights to fair credit while I am currently seeking a mortgage and other credit. XXXX XXXX XXXX has been compensated. In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX XXXX, and XXXX, Transunion, and XXXX have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. This is a blatant violation of my rights to fair credit and it is overwhelming. I am tired of being denied credit and having my rights violated. As a XXXX  and a consumer, I should be treated fairly, as should anyone any consumer any American.

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 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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:
I am disputing unauthorized hard inquiries on my TransUnion credit report. I demand under the Fair Credit Reporting Act FCRA : Section 604 : 1. Permissible purpose, 2. My written authorization 3. Proof that I personally initiated this inquiry.

Under 15 USC Section 623, you have 30 days to do a reasonable inquiry to this matter.

I demand DELETION of the following unauthorized inquiries on my TransUnion consumer credit report. 

1. XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX via XXXX XXXX XX/XX/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 2023-10-31
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loans are being held by Nelnet. I have applied for the SAVE program in XXXX but I never heard anything back. Student aid.gov just says my loan provider will pick my re-payment option, which they havent and I cant see any information about what they picked or if they even picked anything. Its impossible to get through on the phone to this company. They are operating like they are still in the XXXX with millions of lives being affected. A lawsuit should be brought to them. They are a monopoly and are purposely making everything difficult in order to collect late fees and occur more interest. This is predatory and should not be allowed. They are criminals and the fact that the federal government is in bed with them is a shame to this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
There was a fraudulent charge on my credit card that is with Bank of America on XX/XX/2023 from a company called XXXX and I reported this on the same date at around midnight. I was made aware about this fraudulent charge through Bank of America 's security system that alerted me of suspiscious charges on XX/XX/2023 The card was locked and disabled. On XX/XX/XXXX, I contacted Bank of America both through phone and in person to dispute this charge and they told me it would take about 108 days to resolve. I ordered a new card on the same date and a new debit card just in case this was a security breach, even though Bank of America insists that the credit card information was stolen via a swipe machine. I also made attempts to contact XXXX about the charge, but both their phone number and email are automated to demand the contacter make an account through their website to even talk to someone and their address is a mailing address to a po box , and not a headquarters address. I have attempted to contact Bank of America about filing a police report but have been unable to get in contact with the fraud department and they expect me to pay for the fraudulent charge, as they now include it as a balance. Bank of America has failed to keep my information secured, has done poorly in responding to communications, and even went as far as to try making me pay for it with the threat of reoccuring balance charges. I am in the process of seeking a new bank to deposit my check and intend to shut down my bank of america account indefinitely.

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 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has inaccurately and illegally reported false information and a fake collections account to my credit report on XX/XX/XXXX   in the amount of {$3700.00}. I am requesting this account to be thoroughly investigated and removed if found to be fraudulent/inaccurate. I have never used XXXX XXXX XXXX before in my life.

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 2023-04-23
Company: Experian Information Solutions Inc.
State: FL
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 explanation
Consumer complaint received 2023-04-23
Company: Experian Information Solutions Inc.
State: FL
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 m federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  Acct # 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 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 explanation
Consumer complaint received 2023-04-22
Company: Experian Information Solutions Inc.
State: FL
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 Report 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 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

This is a fraudulent account ; I did not open any account with 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 non-monetary relief
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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. 

Account name : XXXX XXXX XXXXXXXX XXXX  # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX ACCT # 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 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