BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: CA
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:
Hello, After researching the Fair Credit Reporting act. The accounts I have listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian, XXXX and XXXX to reinvestigate these accounts : XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX }, CXXXX 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 XXXXXXXX ) However they stated everything was complete and accurate, How is that POSSIBLE if the Open Dates, Last Activity Dates and time of payments are incorrect? According to 15 USC 1681i ( 5 ) they are required to modify accounts that isnt reporting correctly or accurately.

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 information is inaccurate.

They did not provide me with any original contracts with wet signatures for any of the above companies as well as the Forward Flow Agreements.

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 2023-11-18
Company: WELLS FARGO & COMPANY
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XX/XX/2019 & XX/XX/2019, I was physically XXXX per XXXX. 

I didnt have any paystubs to prove I had a job or a Nj driver license in my possession XXXX XXXX XXXX was stolen XX/XX/2019. 

Wells Fargo approved a loan with XXXX XXXX group without a paystubs, car insurance, a Nj drivers license. 

Nj Motor vehicle took the vehicle out my name XX/XX/2019. Due to a salvage title filed with them. A flood damage XXXX rental car with miles rolled back to 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 2023-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I won my appeal recently so my Bank of America card isn't working g so I contact Bank of America, the lady I spoke to told me that my account was closed with them that I should contact XXXX, I contact XXXX and they told me the problem is with BOA, i keep going in circle with XXXX and BOA, I need your help regarding this as I'm about to be homeless.

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 2023-01-20
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received statements from both Discover and XXXX XXXX in XXXX of XXXX indicating that I owed balances on credit card accounts. On XX/XX/XXXX, I sent letters to the XXXX or each company requesting that they validate the alleged debts within 10 days by providing information as required by USC 1692 ( G ). After not receiving validation of the debts, I followed up with the companies. On XX/XX/XXXX I sent a Notice of Fault to each company informing them that I still had not received the required items to validate a debt per USC 1692 ( G ), and asked them once again to provide the items required by the USC 1692 ( G ) to validate a debt. Since I still had not received validation of the alleged debts from either company by XX/XX/XXXX, I submitted an FTC Identify Theft Report. I submitted this report since I believe that these accounts are fraudulent, and I am the victim of identify theft. As of XX/XX/XXXX, I have still not received validation that these debts belong to me. I have, however, received calls, letters, and texts from both companies repeatedly demanding payment for these alleged debts. Recently, Discover sent me a letter indicating that they were preparing to file a lawsuit against me for failure to pay this alleged debt. Additionally, aside from harassment, Discover and the Credit Reporting Agencies XXXX XXXX, XXXX, XXXX ) have damaged my financial reputation by indicating that I owe these debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Beginning in XX/XX/2023, the company changed its terms of service agreement to force all clients to submit to a third-party application for verification. Demanding submission of facial biometrics in the form of a live selfie pictures. As well as numerous request to have both your drivers license or passport identification to gain access to the account. The company then used this new terms of service, that I did not agree to, to lock me out of my account. Demanding that I must set up an account with a third-party company in order to gain access to any of my financial records. Since then, I have sent daily emails to the listed email addressed, requesting a supervisor to contact me or to be given a phone number or address to the brokerage so that I can submit financial paperwork to change my portfolio to a different brokerage. Nothing has been sent to me. Continue to get the same generic copy and pasted response telling me to login and submit to the third-party application A selfie photo and numerous copies of my identification. 

And then referring me to the company website to login before I can get information on who to contact for assistance. Of course I am locked out and I can not request any assistance. 

I have asked who the registered agent is so that I can submit lawsuit paperwork as there is nothing listed on the website. 

I have asked daily since XXXX for a supervisor or anybody to contact me to help resolve this issue. Not a single response was given as to how to rectify this issue, other than submit to the third-party applications term of service. 

I do not trust Robinhood or the third-party application with my personal data. I would like to close my account and move my portfolio to another brokerage. This includes the money I have deposited with them. They have made it absolutely impossible to talk to a live agent. They failed to disclose an address to send paperwork to. 

I do not appreciate the sudden change in terms of service without proper notification. Because of their demands, I have lost money. I desire prosecution on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Brown and Joseph, Ltd
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I had XXXX insurance with XXXX insurance because we thought we where going to get a large contract and open a business. The contract fill thru and we did not open our company but we paid the insurance policy anyway in good faith. We got paperwork to audit the policy and I filled it out explaining that we did no work because we never opened. They sent the balance that they made up to Brown and Joseph in IL that have be rude and treated me on several occasions!! I have done my part with XXXX and they have not done anything and Brown and Joseph are being scary!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a fraud complaint for unauthorized use of my debit card with Citizens Bank on XX/XX/2023 for a total amount of {$1800.00}. These charges were made between XX/XX/2023 and XX/XX/2023 at multiple businesses including XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX. There were a total of XXXX charges ( Ive included a pdf of highlighted disputed charges ), and some were charged multiple times in one day. I do not use any of these businesses. 

I received written notification that my claim was denied dated XX/XX/2023. 

I called Citizens customer service to obtain more information about why my claim was denied and the representative told me someone from the fraud department would call me and explain why my case was denied and that after this call, my case would be reopened and reinvestigated. I never received a call from Citizens fraud department. 

I received a written notification dated XX/XX/2023 that the additional review of your claim and the original decision stands and the claim remains denied.

I should mention that this is the third fraud claim I have filed with Citizens this year because my debit card has been compromised. The two other claims were determined that fraud did indeed occur and I was issued a credit to my account for the total amounts of the claims.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-27
Company: Maximus Education, LLC dba Aidvantage
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have received multiple emails from the U.S. Department of Education regarding action needed for missed payments on my federal student loans. AidVantage, the loan servicing company has not responded to any of my inquiries into this issue. I have not missed any payments, nor does the account page I have access to through AidVantage show any delinquencies. I need to have assurance that no action is necessary on my part to avoid false reports on my credit history. This is total incompetence on AidVantages part and is totally inexcusable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am writing to request the immediate removal and deletion of the following accounts and associated information from my consumer report. It has come to my attention that these accounts and information should not be reported on my consumer report, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I urge you to take immediate action to remove and delete these accounts and information as they are in direct violation of several laws. I expect these accounts and information to be removed without delay.

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 2023-06-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On the day of XX/XX/2023 I was robbed of my belongings such as my wallet and cellphone most importantly, this occurred as I was in my local gym like any other. 
For a week or so I did not have any way of communicating since I didnt have my phone, when I acquired one I logged into my chase bank application realizing my bank account had been charged with some transactions not authorized by me thru XXXX XXXX XXXX XX/XX/2023 {$2900.00}, XX/XX/2023 {$2900.00}, XX/XX/2023 {$2600.00} in all {$8600.00}. I immediately called my bank to inform them, they cancelled my card and gave me a new one and they did return the money at first. 
Some time went by and in the month of XXXX it happened again but this time it was the bank whom had retaken the Money assuring that they had information against me saying that i had committed these transactions, they sent me this so called proof which all I saw where receipts of transactions from a different country under my name to some people that I have no knowledge of and have never seen them. 
I have gone to the bank and tried to prove my innocence by showing my police report of the incident and various other paperwork, till this day I dont get my calls answered and havent had any money claim case reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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 status incorrect

Complaint:
I am writing to bring to your attention an issue that I have recently encountered with TransUnion, a credit reporting agency. Specifically, TransUnion appears to have violated the Fair Credit Reporting Act ( FCRA ) by failing to validate a debt properly. I have requested TransUnion to validate an account that is reported on my credit report, XXXX XXXXXXXX XXXX. As I have expressed to TransUnion, this account is inaccurate and should be removed immediately. 

As you are aware, the FCRA requires credit reporting agencies to ensure that the information they report is accurate, and to investigate any disputes that consumers may have about their credit reports. In my case, I disputed a debt that was being reported by TransUnion, and requested that the agency validate the debt in accordance with the FCRA. 

Despite my request, TransUnion failed to properly validate the debt, and continued to report it as valid. This is a clear violation of the FCRA, and has caused me significant harm by negatively impacting my credit score. 

I believe that it is essential for the CFPB to take swift action to address this issue and ensure that TransUnion is held accountable for its actions. Specifically, I request that the CFPB investigate TransUnion 's practices with respect to debt validation, and take any necessary enforcement action to ensure that the company is complying with the FCRA. 

Thank you for your attention to this matter.

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 2021-05-10
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hyundai Motor Finance continues to report an account that was opened XX/XX/2015 after contacting them numerous times and having my attorney send a letter they finally removed the incorrect information from XXXX XXXX however it it still on XXXX. This car was included in our bankruptcy and needs to be 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 2023-09-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My debit card has been compromised.. the card has never left my posession but some how roughly XXXX dollars was used from online shopping stores. I noticed this as they were still pending. Immediately i called wells fargo to open a claim and to try to have them stop the pending transactions.. they did nothing just opened a claim.. i called back then called the merchant on XXXX way with the bank representative pleading to deny the pending charges and neither the merchant nor wells fargo did anything to prevent the processing. Couple days later wells fargo denies the claim saying that the merchant ( rebag ) had my adress and zip code and this was a valid reason to deny my claim.. i asked to reopen claim and investigate better, theu refused XXXX i asked to open another claim, they say i can not open another claim once the first is denied.. i asked what i can do, wells fargo said that at this time it is between me and the merchant.. i called the XXXX XXXX  and they wont do anything without the order number.. i said i dont have an order number because i didnt nake the order.. they then told me to dispute it with wells fargo.. and the circle goes round and round.. i jave had XXXX XXXX calls to wells fargo in less then a week.. for them to deny this case and give me no reason besides the merchant new my adress and zip code, is disgusting, unbelievable, disturbing, heartbreaking, sickening and devastating. My card goes into fraud once a week for simple XXXX XXXX XXXX dollar purchases but just XXXX of these fraudulent transactions was almost XXXX dollars.. my limit per day is only XXXX but somehow almost XXXX goes in few hours.. they say they base investigations on spending habbits.. i yave never soent this type of money in a day in my 15 year history with wells fargo but yet on this specific day not a text an email or any other type of alert.. as i stated wells fargo was notified within hours while the charges were in early pending stages, and showed no desires to care to help me.. so sad hurt disappointed and angry. That this is how i was treated .. all calls are supposed to be recorded id love for you all to hear how i have been mistreated

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 2023-06-27
Company: Experian Information Solutions Inc.
State: FL
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:
To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX NAME XXXX DO NOT BELONG TO ME NAME : XXXX XXXX NAME : XXXX XXXX NAME : XXXX XXXX NAME : XXXX XXXX XXXX NAME : XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL 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 2023-10-25
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Mohela doesn't respond to any messages or process requests for changes, such as deferment requests, or a XXXX request that I was advised to request by a supervisor via their website. 

Their processing window is a large, undefined black-hole of time in which we submit requests, and then have no idea how long it will take for processing. At the beginning of the month, 15 business days prior to needing to be in repayment, I submitted a deferment request because of Mohela 's incompetence with counting my PSLF payments correctly. 

Since they couldn't count the payments correctly, and am still waiting on resolution with that problem, I have submitted a separate CFPB complaint about that. Almost a month later, there has been no word whatsoever from Mohela as an explanation of what has happened with my payment accounts. 

Therefore, starting yesterday, I tried to call Mohela, only to be met with a 98 minute hold time, which is unacceptable. The menu prompt said to call again between XXXX XXXX. After calling this morning at XXXX XXXX I'm already subjected to another 49 minute hold time to even speak with someone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation