BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-11
Company: FISERV INC.
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
The state of California in 2022 issued the Middle Class Tax Refund as a debit card. This service was contracted with the Money Network, apparently. The Money Network has been unable to help customers either 1 ) transfer money out of their activated online accounts or 2 ) receive help getting a new card. Every public phone number leads to automated help. This automates system is also broken, and gives messages about " technical difficulties '' before hanging up on the caller. I fall into both categories, I have an online account with the Money Network, but am unable to transfer my funds out. I also no longer have the prepaid card, so I can not use an ATM to receive my funds. 

These self-help numbers are : XXXX ( general automated help ) and XXXX ( for card activation, and lost or stolen cards ) I have called for four weeks and tried to get to the end of the automated help tree, but have been hung up on by the automate system every time, for every phone option. I was finally able to talk to a human through their online chat system, but they were unable to help as well. They also refused to connect me to a supervisor or any form of additional help. That transcript is included as a email file that I saved. 

I am also including a screen shot of the home page of the online account for the MCTR, serviced through XXXX XXXX XXXX, itself a a service of XXXX XXXX XXXX XXXX, which it itself inactive. The screen shot shows I have money within the account, but no option under " Money Out '' to transfer the amount to my personal account. There is also no option to send a secure message or contact any help. XXXX XXXX  XXXX also has a phone number, but it is completely automated and can not find an account by SSN and DOB.

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 2021-03-23
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am continuously having problems signing online and it take forever for them to send me an access code to sign on and when I complain to the bank someone will call back and feed me a lot of XXXX. But Im still having a problem. Just Sunday I was turn down with my ATM card and that has never happened. Most of the time I call the bank and I will get someone on the phone that can not understand me and I can not understand them. There are people in the united states that could answer the phone.

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 2023-05-26
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I was in less litigation with Santander Bank at the beginning of Covid in XXXX. I applied for a loan re-modification with Santander Bank that was supposed to be effective XX/XX/XXXX. I signed and notarized the loan documents They sent me and I mailed them back through XXXX. They said they received what they needed to from me but have not Followed through with the actual loan. 
When I call the mortgage department, they tell me I have to speak to lost litigation, when I call lost litigation, they tell me that it has already been escalated, and theres nothing they can do because its the underwriters that are waiting to approve the loan. Since when does it take a year to approve a loan? 
In the meantime, the payments that Ive been making for a year and eight months in the amount that I was told to pay is only being applied to interest, even though I am not seeing it reflected on the monthly statements I receive from them because the statements that I receive are still the original loan and not the new loan with the modification. It shows that Im making payments, but it is not applied to anything on the statement. When I ask where the money is going towards, I was told it is only going towards interest only, but I have no proof of this either because I am not getting the proper loan statements from them. I dont even have a new account number yet. The original loan account number is XXXX. I have been making payments for 20 months consecutively and should not still be in lost litigation. I am afraid to make principal payments, because I have no idea where the money is being applied. I have called almost every single month since last XXXX and have not gotten any one to help me other than them just telling me, its the underwriters theyre still waiting on.

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 2023-05-10
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Attn : Customer Relations Department XX/XX/XXXX To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

Trade : XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ( Please re-investigate the payment history ) Trade : XXXX XXXXXXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ( Please re-investigate the payment history ) Trade : XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ( Balance and payment history is inaccurate ). 


Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your Investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated. 

Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-11-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I purchased a food package for an inmate at our local jail. The commisary came out to a total of {$100.00} with 20 overnight express delivery included. The commisary provider said they could not take debit card payments only Cash App or cash at the actual facility. So I paid them CASH app a total of {$100.00}. The money was instantly taken but the package did not arrive as i paid for. By the time my friend was released the package still hadnt arrived to him. I tried numerous times to reach out to the contracted provider via email about 3 times then i tried to reach out to cash app and still to this day I have not received a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
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: Information belongs to someone else

Complaint:
I previously notified your company that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer Finance Protection Bureau on XX/XX/2021, Complaint # XXXX, with your company XXXX XXXX and sent the same information to Experian, XXXX and XXXX. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that XXXXXXXX XXXX is still reporting this fraudulent information to my Experian, XXXX, and XXXX Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.

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 2022-10-05
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: Was not notified of investigation status or results

Complaint:
I XXXX XXXX and my attorney requested the full results of the investigation into my disputes and I have been refused to receive the result of my disputes despite my many attempts to the credit bureau. This is my last attempt to get the full results of the investigation into the disputes I have placed well over 60 days by law. one company agreed, after the account was paid in full it would be removed from my credit report the account was paid in full some years ago and the account is still on my credit report. PLEASE REMOVE THEM ASAP. Consumers have a right under the FCRA to challenge information in their files that they believe is incorrect. Consumer reporting agencies are required to investigate claims that there is inaccurate information, and when information is proven to be inaccurate, agencies must correct the mistake. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in In accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address, and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). Myself and my attorney is in the process of filing a federal lawsuit if we don't have the full disclosure of the investigation into my disputes. As stated above the credit bureau violate my rights and the FCRA, they have discredited me and my worthiness. This is my last attempt before a federal lawsuit is filed. This is also notice of my intent to file.

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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 write this complaint to you today with a heart heavy with disappointment, as I find myself entangled in a web of outdated and fraudulent information in my credit report. The credit bureaus ( XXXX, XXXX, and TransUnion ), entrusted with the responsibility of safeguarding the integrity of financial data, have failed in their duty, leaving me to suffer the consequences of their negligence. Despite my repeated requests for the removal of this misinformation, the credit bureaus have turned a blind eye to my pleas. They have ignored my rightful demands for accuracy, allowing erroneous data to persist on my credit report, casting doubt on my financial standing and impeding my access to fair opportunities. This outdated and fraudulent information has far-reaching consequences. It tarnishes my reputation, hindering my ability to secure loans, obtain favorable interest rates, or even pursue certain employment opportunities. The credit bureaus ' indifference to my plight demonstrates a disregard for the well-being of hardworking individuals like me. I implore you to rectify this grave injustice promptly. Remove the outdated and fraudulent entries from my credit report, restoring the accuracy and integrity that should be the hallmark of your institution. Failure to address this matter will only further erode the trust and confidence that the public places in your services. Let it be known that I will not rest until justice is served until the credit bureaus are held accountable for their transgressions. My voice shall not falter, for I stand united with countless others who have suffered at the hands of their negligence.

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 2023-01-10
Company: Maximus Education, LLC dba Aidvantage
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
During the student loan payment pause period, I made voluntary payments of a total of {$27000.00} to my student loan account. According to Biden-Harris student loan relief plan ( https : //studentaid.gov/manage-loans/forgiveness-cancellation/debt-relief-info # refunds ), I'm eligible for a refund. In early XX/XX/XXXX, I called my loan service provider at the time XXXX to request a refund. Yet, XXXX transferred my loan to Aidvantage. Thus, I called Aidvantage to confirm my loan status, in which they told me that they would have loan information by the end of XX/XX/XXXX. I called back in the first week of XX/XX/XXXX, and Aidvantage do not have my loan information and told me that to check it back " next week ''. I called Aidvantage back on XX/XX/XXXX and they still do not have my loan information. As of right now, I have no access to my loan information or login information on their site. I'm concerned that I will not get my refunds. 

Timeline Summary : XX/XX/XXXX - I've tried to create an account to access Aidvantage website ; I'm not able to login. I called to confirm the status of my loan ; Aidvantage told me they would have my loan information by the end of XXXX. 
XX/XX/XXXX - I called Aidvantage again and they told me they would have my loan information by the second week of XX/XX/XXXX. I'm still unable to create an account or access their site XXXX XXXX I called Aidvantage and they still do not have my loan information or login access to their sites.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: BANKMOBILE TECHNOLOGIES, INC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
i sent an online bill pay to XXXX XXXX XXXX for my car payment on XX/XX/XXXX. XXXX had called me and notified me that my payment did not clear. Upon investigating with XXXX and XX/XX/XXXXwhat was discovered is that the instrument XXXX received had my name on the account info section, fords info for the payee, but different bank information/ account number, different check number. XX/XX/XXXXXXXX XXXX was supposed to issue a stop payment on the online bill pay ( which is a check they mail XXXX and refund me. i contacted them multiple times on dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have spoken to them more than this bus this is all i have proof of. They have not issed me a refund, sent me the paperwork they want in order to conduct an investigation, have not investigated it, have not even processed a dispute. I still have yet to get my money back and they have yet to make any action regarding this incident. 
FTC REPORT FILED No. # 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 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
The accounts listed on my credit report was inaccurate when I reviewed it. The 3 credit bureaus must validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$55000.00}, XXXX  XXXX Balance : {$19000.00}

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 non-monetary relief
Consumer complaint received 2021-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
On XX/XX/2021, I was contacted by my XXXX XXXX concerning a fraudulent account on my credit report reported by Capital One. This fraudulent account does NOT belong to me. I have never received a bill or paid a bill for this account, which I understand ends with XXXX. I called the Capital One number, asked for Fraud Department, spoke to a rep named XXXX, and opened Case Number XXXX. On XX/XX/XXXX, I received a Identity Fraud Information Report to fill out and send in to their fax number XXXX with my Drivers License and Social Security Card. I have submitted this form three times with no response. I have called their Fraud Line XXXX every week and consistently get the run around that they are either working on it or unable to bring up the Case Number for status. I am told that they are not reporting the account to the three agencies during investigation but it is still showing up on my credit report. I am unable to understand why this bank that advertises everywhere and presents themselves as such an outstanding operation is so unresponsive, disorganized, and dishonest. It is now XX/XX/XXXX and I'm still trying to get a response. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had some fraud on my account in the beginning of XX/XX/XXXX. I got tricked into sending over about {$550.00}. I call and tell them about the fraud and everything that happened. They immediately closed my account and didnt warn me. I didnt have access to get money out so I had {$0.00}. Ive been struggling on payments since. Its been over a month and I call and call. All they say is I have to wait XXXX days for my money. I had XXXX direct deposits go into the account even after switching banks. And I told them how I need it and they proceed to tell me there is nothing I could do but wait. Its been a month I NEED my money. This is crazy to me.

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 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX/XXXX  XXXX {$450.00} XXXX/XXXX   XXXX {$3800.00} XXXX XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation