BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-15
Company: FIRST FINANCIAL BANCORP
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I attempted to open an account with First Financial Bank on XX/XX/XXXX. The application and website made it seem as though I could open the account online. I was able to complete the application and was assigned an account number but when I tried to set up online banking I was told that I would need to come into a branch. Since there weren't any branches near me, I called customer service on XXXX and told them that I would no longer be needing the account. The customer service representative ( XXXX XXXX ) said that they needed to wait for the opening deposit {$50.00} to hit my account before they could close it and issue a check. I followed-up on XXXX, XXXX and XXXX, but never received my check. I called customer service again on XXXX and spoke with XXXX XXXX, who said she would take care of closing the account. I also followed-up with her several times : she first told me she mailed the check on XXXX then she told me she mailed it on XXXX and then on XX/XX/XXXX she told me that the check had to be processed in Ohio before being sent to me. I told her I was moving and asked if I could pick up the check at her offices. She just kept telling me to be patient. This bank is giving me the run around. Today, I called customer service again and they told me that I had been charged a {$25.00} account fee but no check had been issued. It has been a month and a half since I started this ordeal and I would like my opneing deposit back since I never received access to this account. They had no right to charge me a fee and they have no right to be holding onto my funds for this long. They advertised the account as online banking and never mentioned you would need to come into a branch until after you fund the account. It is a bait-and-switch operation. I am attaching my correspondence with the bank.

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 2023-12-05
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting 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, Equifax and XXXX are reporting lots of inquiries and negative accounts on my consumer report that i did not authorize or give permission to furnish on my consumer report i have not benefited from neither inquirie yet they put it on my consumer report causing damage to my life according to the FCRA unauthorized must be removed immediately according to 15 USC 1681b ( a ) ( 2 ) they must have my written instructions to furnish a report on me also 15 USC 1681a ( d ) ( 2 ) ( A ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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

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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2019-02-13
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied for the income base repayment plan, after a year had gone by and had to renew the plan they never sent the paperwork to renew it. After which they then repeatedly called me at very inconvenient times while I was at work leaving daily messages about it. When I was able to call them they told me the only way to move forward was to forbearance the past due amount which had late fees attached or pay the past due amount. Which was around 700 dollars. So I had to forbearance it and then they said I had to apply for the income based repayment plan and quoted me a monthly payment that was twice as high as it had been before and was more the the payment would have been without the plan. This matter is unsettled as they were unwilling to work with me by just repeating my options with no additional help. I also was in a car accident and was out of work for a few months and they also only gave me the option of forbearance and only helping to lead me to more and more debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My XXXX XXXX XXXXeport says I have a balance to pay of XXXX XXXX I NEVER OPENED A ACCOUNT AT THIS BANK. I have tried a few times to work this out and there is no way to fix it apparently? I dont even know what this XXXX $ is apparently for but its ridiculous that Im on the hook for it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: GA
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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: Experian Information Solutions Inc.
State: GA
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. 


Account 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  has violated my rights. Or list of inquiries 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 2023-03-10
Company: Nelnet, Inc.
State: MO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted regarding my student loan debt about a student loan forgiveness program by Processing Direct. After much deliberation and asking many questions with answers of assurance this information was correct I agreed to pay {$75.00} every 2 weeks for 4 months and as long as I recertify yearly for the next 4 years and make less than {$120000.00} a year the remainder of my loan will be forgiven at that point through a revised pay as you earn program where I will owe $ XXXX  monthly after the initial {$600.00} is paid. After all 8 payments cleared I received a letter from federal student loan services about my request for loan consolidation with a pay as you earn loan for a monthly payment plan over a 10 year time. I called and spoke to someone where the letter cane from and cancelled that loan and he gave me a number to CFPD illegal activity because he said there are no forgiveness plans by those guidelines given by Processing.Direct. Reported through the phone number and was given this site to file a report. This company is lieing and taking advantage of people by misleading them into thinking they are doing something to benefit them when they aren't. Taking money from people and their families while providing false assurances and information. I can file for pay as you earn through my student loan company. None of the money they took went towards my loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I earned some Bitcoin on XXXX in XXXX. I'm unsure of the amount ; it was somewhere in the tens of dollars at the time, but with Bitcoin 's higher price today, I think it would be in the hundreds of dollars. 

XXXX was acquired by Coinbase, who created a process for XXXX users to move their balance to a Coinbase account. I followed that process, but it didn't work ; I never saw Bitcoins enter my Coinbase account.

I attempted to contact Coinbase three times about this : twice using their online contact form, and once using XXXX. I never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, 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 have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. 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 2023-11-03
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had deposited my amended tax return check that was over XXXX. I understand that there needed to be a hold on it, thats fine. Then, they froze my account. I went through multiple phone calls, multiple people, had to go to the branch multiple times. I finally got that fixed. They tell me that my check would not be released until today. Still is not released. This is ridiculous. This is what is keeping me from being homeless. I will try to call AGAIN, go to the bank, AGAIN. I have never had an account frozen or anything before because of a treasury check, yet alone have I ever had a bank withhold funds like this.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was trying to dispute certain charges that kept appearing on my bank account from unknown sources and I explained to the bank that did not make these charges and I kept going into the negative and the bank closed my account

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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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

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 2023-10-12
Company: Nelnet, Inc.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I applied for the SAVE IDR program on XX/XX/23. Initially, it looked like it was processed as it showed a new payment amount of {$0.00}, but I continued to get a notification on my Nelnet home page that it was still being processed and to allow 15 days. 4 weeks later it is still being processed, 4 of my loans were placed on the SAVE program, but the other 4 were placed on standard payment, totaling {$880.00} per month starting on XX/XX/23. There was absolutely no explanation, no email, or any other attempt at communication. Ridiculous. 
After 2 hours and 45 minutes on hold, I was able to talk to an actual human, who did not know very much about it. She walked me through re-applying for the SAVE program for the other 4 loans. 
In the meantime, my loan has started accruing interest and will continue to do so until Nelnet finally can finish 'processing. ' I am also unable to apply for PSLF until they finish my SAVE application, so it is setting me back months. 
They have been totally unresponsive to emails, and it takes a whole day to get ahold of them over the phone. I can not afford a {$880.00} payment. Nelnet needs to be held accountable for their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
i dont know wats going on but my account was fraudulently tampered with and due to this activity it caused my account to be closed

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 2018-03-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
As of XX/XX/XXXX, an agreement was reached with the CRAs to remove any tax liens or civil judgements that did not include a Name, Date of Birth, Full Social Security Number or Date of Birth. All three of my State of Georgia tax executions have been paid, satisfied and cancelled from record. However, the liens are still showing on my credit reports and do not meet the new reporting standards. My Date of Birth nor my full SSN are listed on any of the executions. I have disputed this information listed under the Public Records section with XXXX, Equifax and XXXX. XXXX did remove the liens from my credit file. However, Equifax and XXXX only verified the records.

I've contacted Equifax customer service and was told that they use a third party to obtain and verify
public records. I was advised to contact XXXX to dispute this information. I contacted XXXX and initiated a dispute of my XXXX XXXX information listed on my Equifax report. I received a letter dated XX/XX/XXXX stating the that information was deleted from my record. However, Equifax never updated there system and is still reporting this information as of XX/XX/XXXX. 

I also contacted XXXX customer service and was told the information is correct and that I would have to wait 10 years from date of filing for the records to be removed. 

I have attached copies of all three tax executions and the letter from XXXX for your review.

Company response to consumer: Closed with explanation