BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-09
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The company failed to maintain the autopay amounts on my Sears credit card account. This resulted in the following fees/finance charges being accessed to my credit card account. 

I have attempted to resolved the issue with the bank directly. They have failed to properly resolve the complaint. Please refer to attached file for a complete description of issue.

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 2018-02-16
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2012 I was a Citibank credit card holder. Theyre online system was down, so I had to call in my payment. I asked the representative over the phone for the full amount of the payment. They told me it was only XXXX  dollars. I then asked again are you sure there isnt any extra change. I processed to inform the representative that there was an additional XXXX cents to my current bill. The representative over the phone told me No your month statement is just XXXX dollars The following month Im charged with two late fee. I call and asked why. They told me because I was short that XXXX cents. I told him what had transpired. I was arguing with this over this. I told them I wasnt paying anything at all. I again even explained to a supervisor. The last thing I heard was them hanging up on me. I refused to make payments at the moment. Its now on my credit forever. We fast forward to these day Im sending this. I get a letter from Citibank issuing me XXXX for this account. I was due to them not upholding an agreement for account payment protecting. Thats not good enough for me though as their fraud went to a new level I feel. Theyve also been having their staff set customers up by not fully paying their payments over the phone. I wasnt charged for the over the phone service because their online system was down at the time for me to make my payment. However I was charged two late fees and it escalates from there. Their staff was at fault for their incorrect practices. Again I arguing with them over the phone for months just trying to get my orginal balance back. I was taken to court over this issue. Explained everything to the judge. It was still assigned to my credit. I need help in fighting this please!

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 2023-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had a check that was made out to me get stolen from my mail. The thief cashed the check at a Bank of America branch. I dont have an account at Bank of America and I wasnt in the city when the check was cashed. The bank is refusing to return my money that was stolen

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is my 2nd written notice trying to resolve this issue before further action. I attached a document with all details. I have not received any legal proof that these accounts are verified accurate.

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 2023-03-03
Company: Netspend Corporation
State: CA
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:
On XX/XX/XXXX I filed a dispute with netspend an online banking app that I have used for over 7 years NEVER HAD ANY ISSUES UNTIL AFTER COVID-19 since XX/XX/XXXX this company has gone down hill! OFFERUP IS THE ORIGINAL MERCHANT THAT I HAD THE DISPUTE WITH FOR OVER {$190.00} IMMEDIATELY I REALIZED THE MISTAKE CALLED THE MERCHANT ( they were more than apologetic for the bill ) BUT IT WAS XXXX THAT HELD THE ABILITY TO REFUND THE MONEY DUE TO OFFERUP USING XXXX AS THEIR THIRD PARTY PAYMENT PEOPLE so I call XXXX aka XXXX XXXX.. THEY SAID WE ARE NOT DISPUTING THE DISCREPANCY ; but when there are multiple requests for refund all at once we have a computer generated denial that automatically generates SO WHAT XXXX TOLD ME PERSONALLY NEEDS TO HAPPEN IS MY BANK NEEDS TO JUST SIMPLY CALL XXXX XXXX WITH THIS REFERENCE # .. and initiate the refund process and we would be more than happy to refund the XXXX .. tic toc tic toc FOUR MONTHS LATER STATUS OF THE DISPUTE???? PENDING INVESTIGATION I HAVE SPOKEN TO THE MERCHANT MYSELF BOTH OF THE MERCHANTS INVOLVED AND THE ONLY PROBLUM/ HOLDUP IS MY SO-CALLED BANK!!!!!!! I called them over and over they hangup on me claim I can not speak to the CLAIMS DEPARTMENT and they have no way to reach them!!!! PLEASE WHEN I ASK TO SPEAK TO THE SUPERVISOR ON DUTY I STAY ON HOLD UNTIL THE LINE DISCONNECTS OR IM REROUTED TO THE BEGINNING OF THE AUTOMATED PHONE SERVICE and am greeted with please enter you debit card number?!?!?!?!! 
PLEASE HELP THIS IS DUMB AT THIS POINT I JUST WANT MY MEASLY XXXX back and to close my account while holding this fake banking system ACCOUNTABLE!!! that is OPENLY AND CLEARLY ROBOTIC IN NATURE VERY unempathetic to the devastation this has caused a already struggling customers situation, in conjunction with providing unethical services to a loyal consumer, or any financial institution who manages issues with a customers funds or disputes with a merchant in such an unprofessional fashion with zero regard to their customers escalating financial situation worsening when the fix is a 5 min call!!!

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 2023-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I issued a bill pay check to my landlord for XX/XX/2022 rent ( {$2400.00} ). I have been in contact with the bank since XXXX of XXXX  to get my money back when my landlord said he never received my rent check but the bank told me the money was mobile deposited by someone. I was constantly provided with wrong and contradicting information from many different members of the bank and they are refusing to abide by what they told me needed to be done to get my money investigated. The landlord and I have both signed affidavits. The last time they sent the affidavit to me the only stipulation on the affidavit was that the notarized signature had to be mailed back within 30 days of signature which it was. They are now saying that it needs to be mailed back within 30 days of receiving the affidavit. There is no date from the bank on the affidavit and they keep mailing the same piece of paper. The notarized document is legally binding and they will not accept it. They keep changing the rules to get my money investigated when I follow the steps they ask me to take to have the incident investigated.

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 2022-02-17
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: Personal information incorrect

Complaint:
I have filed a dispute to have the information removed as it is inaccurate. It has not been removed with in a 30-day time frame.

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 2022-08-10
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called the 3 credit Bureaus after I purchased a credit report in XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$200.00}, Inquiries Not Included XXXX : XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 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 2022-10-10
Company: Experian Information Solutions Inc.
State: TX
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/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all file sent below.

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2020-03-18
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have never had a missed payment before on my XXXX XXXX   XXXX but I faced some financial hardship due to a sick child and fell a payment behind. I called to ask about hardship assistance and was enrolled in a hardship program that closed my account but would help me pay off the card. 

I asked numerous times if I would be reported as delinquent by XXXX XXXX after enrolling in this program. I was told that I would not be reported as delinquent and that my balance would now only have a rate of 0 % and a 60-month payment  plan. The only thing that would be reported to the credit bureaus as long as I made my monthly payments on time while in the program is that the account was closed. 

A month later I get a report that XXXX XXXX  has been reporting me every month since the program began as deliquent due to a past due payment when I enrolled. I was told this would be rolled into the balance due and the program, instead it remained as separate delinquency and each of my payments to the program went towards it making every payment late. 

I filed a complaint and the call was reviewed and I was told that the representative did provide inaccurate information to me but there was nothing the woman I spoke to could do to remove the late reports I needed to submit a dispute to another department and was given an address despite XXXX XXXX  confirming they were in the wrong. 

I have yet to hear any response from XXXX XXXX  in regard to my letter or dispute and they have not updated my status with the credit bureaus. 

The reference number for the call with the department who reviewed it is # 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 2023-11-04
Company: Experian Information Solutions Inc.
State: MI
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:
DELETE XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX  Account # 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 ( XXXX XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-02-19
Company: EQUIFAX, INC.
State: MO
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 following public record below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Bankruptcy Date Filed : XX/XX/2020 XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: AL
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:
Upon checking my consumer report. I see that there are numerous names address phone numbers and employers on me that I never lived at, employers, phone numbers that are not mines and names that i do not use. I have tried to work with your company to clear this up but your company is not budging in removing the inaccurate information. Also the number of inquiries that are on me is not valid. I never gave anyone permission to run my credit. I am a victim of identity theft and your company is putting information on me that are false

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have never had a missed payment before on my XXXX XXXX   Card but I faced some financial hardship due to a sick child and fell a payment behind. I called to ask about hardship assistance and was enrolled in a hardship program that closed my account but would help me pay off the card. 

I asked numerous times if I would be reported as delinquent by XXXX XXXX  after enrolling in this program. I was told that I would not be reported as delinquent and that my balance would now only have a rate of 0 % and a 60-month payment plan. The only thing that would be reported to the credit bureaus as long as I made my monthly payments on time while in the program is that the account was closed. 

A month later I get a report that XXXX XXXX  has been reporting me every month since the program began as deliquent due to a past due payment when I enrolled. I was told this would be rolled into the balance due and the program, instead it remained as separate delinquency and each of my payments to the program went towards it making every payment late. 

I filed a complaint and the call was reviewed and I was told that the representative did provide inaccurate information to me but there was nothing the woman I spoke to could do to remove the late reports I needed to submit a dispute to another department and was given an address despite XXXX XXXX  confirming they were in the wrong. 

I have yet to hear any response from XXXX XXXX in regard to my letter or dispute and they have not updated my status with the credit bureaus. 

The reference number for the call with the department who reviewed it is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX Credit Card there is no balance or money owed

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 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have never had a missed payment before on my XXXX XXXX   Card but I faced some financial hardship due to a sick child and fell a payment behind. I called to ask about hardship assistance and was enrolled in a hardship program that closed my account but would help me pay off the card. 

I asked numerous times if I would be reported as delinquent by XXXX XXXX  after enrolling in this program. I was told that I would not be reported as delinquent and that my balance would now only have a rate of 0 % and a 60-month payment plan. The only thing that would be reported to the credit bureaus as long as I made my monthly payments on time while in the program is that the account was closed. 

A month later I get a report that XXXX XXXX  has been reporting me every month since the program began as deliquent due to a past due payment when I enrolled. I was told this would be rolled into the balance due and the program, instead it remained as separate delinquency and each of my payments to the program went towards it making every payment late. 

I filed a complaint and the call was reviewed and I was told that the representative did provide inaccurate information to me but there was nothing the woman I spoke to could do to remove the late reports I needed to submit a dispute to another department and was given an address despite XXXX XXXX  confirming they were in the wrong. 

I have yet to hear any response from XXXX XXXX  in regard to my letter or dispute and they have not updated my status with the credit bureaus. 

The reference number for the call with the department who reviewed it is # 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 2023-10-30
Company: Maximus Education, LLC dba Aidvantage
State: UT
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:
When student loan repayments were going to start resuming I got in touch with my new servicer, AidVantage. I set up my account and set up autopay. I was receiving regular communication from AidVantage about my account and payments restarting so I didn't have any worries. I logged in and set up autopayment for my loan and didn't worry about it. 

I started to get emails from AidVantage saying that my payment was past due. I logged in to the system and made a manual payment and checked to make sure that autopay was on. It was. I continued to get emails saying that my payment was past due and I would log in, make a payment and check autopay. 

When I look at my payment history it shows that every single payment that I have made has been reversed. I deleted autopay and re-set it up to make sure that my banking information was correct. I have set up autopay from two different checking accounts. I have also made manual payments from these accounts. 

Each time that I have made payments I get a confirmation email saying that AidVantage has received my payment. I have saved these emails. And then a couple of days later I get an email saying that I have a past-due payment. I have made payments on the following dates : XX/XX/, XX/XX/, XXXX, XX/XX/. All of them have been reversed. 

I am just trying to make my payments! I emailed AidVantage 's customer service email and have not received an email back. I have also tried calling and wait forever without anyone answering. They don't call back when I leave my call back number in their wait line.

Company response to consumer: Closed with explanation