BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-29
Company: Maximus Education, LLC dba Aidvantage
State: PR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I have tried to make XXXX payments on my loan to the Aidvantage company and all three times they have made a reversal payment. I was very careful to verify my bank account information when making my purchases. Because of that I have a late payment and because of that more interest accumulates so I want it to appear as if I had paid on time. 

I have not contacted them directly but I have searched for information online and cases appear with similar problems where the company only blames the person or the bank and I really do not try to go through that process to waste my time. Someone else fixed the situation by submitting a complaint here and that is what I want to do. 

The dates of the attempts to pay were : XX/XX/2023, XX/XX/2023 and XX/XX/2023. 

I have the XXXX emails that Aidvantage sends with payment confirmations. 

My bank account is with XXXX XXXX XXXX XXXX XXXX, with routing number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have several over drafts fees for {$35.00} dollars or more and if its not paid in a timely manner they will continue tag on an extra {$35.00} which sometimes make it hard to pay the full amount. It will go from - {$35.00} to - {$70.00} with in a week. Times are getting hard and yes sometimes we as the people make mistakes but the bank is already charging a {$14.00} balance a month for holding your money. Its a lot worth Wells Fargo.

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 2023-10-29
Company: Grain Technology, Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Grain technology company will not let me change my payment method or my bank account to make a payment and they were reporting late payments on my credit report. I have tried emailing them and calling them and they are not responding. They will not let me change my payment method. They are scamming and racking up on fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been a victim of identity theft I have been victim of identity theft please remove these accounts immediately. The credit reporting agency 's needs written instructions to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without lawful authority which violates 15 USC 1681b ( a ) ( 2 ). Please view the attached letter to see the accounts that are in question.

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 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
2 Loans Opened for supplemental funding of XXXX Studies : Loan 1 : {$6200.00} ( Paid in full XX/XX/XXXX ) Loan 2 : {$2800.00} ( Paid in full XX/XX/XXXX ) As of XX/XX/XXXX my credit report still shows the following debt : Account # : {$6200.00} Account # : {$2800.00} I have taken out multiple loans with this incorrect debt impacting my credit score and available interest rates. XXXX has been reporting invalid debt for over 4 years.

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 2022-05-19
Company: Reliable Credit Association, Inc.
State: OR
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:
my wife and i had a account with reliable credit and then filed bankruptcy. we did a reaffirmination aggreement with the court to keep the car but the judge i guess didnt sign off on it correctly. we kept the car and continued making payments of almost {$500.00} each month and were never late. the amount was proccessed by reliable yet was not getting reported to credit. i contacted them several times yet they refused to help. since then we traded that van in and reliable was sent a payoff for over XXXX dollars. they took payment and even sent us a refund check for {$9.00} for over payment. problem is it says on credit included in XXXX  i just want this to reflect a payoff rather than a written off in XXXX  on credit for the wife and i.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Genesis FS Card Services, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Received my new card old card was lost.. 
They will not Activate new card but want make payments still?? Card is not over the limit!!! Seems like a SCAM To me!! So untill they ACTIVATE I will no longer make payments on account that I can't Used!! 
My Indigo card is the name of card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
From XXXX till XXXX transactions were conducted on my Wells Fargo account, over draft fees charged when funds were present, yet deposits were posted after a transaction put my account into the negative. Numerous charges, invalid accounts created in my name with Wells Fargo in XXXX. Withdrawals from my account in amounts of {$1000.00} and {$600.00} on various fraud transactions. I would have to contact Wells Fargo to put a stop on my debit card, they would issue a new one, only to have the same problem occur over and over again. I would say I was issued at least 5 new debit cards within one year due to bogus charges. I had been a valued customer for over 25 years with Wells Fargo, I finally closed out my account with them in XXXX, was tired of dealing with all the fraud taking place. Once I did close out my account, I have still received bogus calls apparently from Wells Fargo stating my account is overdrawn or charges are pending and need my new account information, this happened just last week on XXXX XXXX, XXXX asking me for new banking information.. All of these text messages and scam phone calls were forwarded to Wells Fargo XXXX The stress caused by Wells Fargo with all of this fraud and bogus charges has been excessive. Over draft fees that I was charged and will probably never get back.

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 2022-05-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I tried to use the card 5 times, every one was declined and when I call they tell me that there is no reason for that to happen, the latest one was XX/XX/2022 at XXXX  for XXXX. And the topper is they processed my payment twice and have over XXXX dollars of my money I can not get to. 
Also I was locked out of my account, and when I called they could not figure out why. They can't seem to figure out much of anything, all I get is we are doing everything that we can.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I the consumer do not have access to the XXXX application, it states my application has been cancelled meaning the Agreement between XXXX and I has been cancelled. Furthermore I do not have access to XXXX Terms of Service, Partner Credit Agreement, and Account Opening Disclosure and there has been no email provided to me the consumer evidencing XXXX Terms of Service, Partner Credit Agreement, and Account Opening Disclosure and my account has been closed. Regardless as a Federally Protected Consumer I am now opting out of any and all authorization I the consumer may have giving you by way of XXXX Terms of Service, Partner Credit Agreement, and Account Opening Disclosure to disclose any of my nonpublic personal information provided by I the consumer to XXXX, any nonpublic personal information resulting from any transaction with I the consumer or any service performed for the consumer and otherwise obtained by XXXX. I am now asserting my unequivocal right to opt-out of the sharing of my nonpublic personal information per the Gramm-Leach-Biley Act ( GLBA ) specifically 15 U.S.C. 6802. Failure to honor my Opt Out Notice is evidence of XXXX XXXX XXXX, depriving me of my right to Financial Privacy, as well as depriving me of my right to Equal Protection Under the Law.

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 2022-05-19
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:
There has been a stream of accounts opened under my name and social security number. I did not recognize nor authorize any of these accounts that I have reported. 


XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX the following inquiries are fraudulent ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-03-10
Company: Experian Information Solutions Inc.
State: SC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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, XXXX  accounts : XXXX, XXXXXXXX XXXX and XXXXXXXX have violated my rights. I have made repeated phone calls and sent out letters concerning any and all late payments.

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-06
Company: HUNTINGTON NATIONAL BANK, THE
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Upon opening a personal and business checking. Huntington froze my personal checking account. I am a traveling XXXX and travel all over the US in the fight against COVID so am rarely home or near the branch. 
I found out my personal account was " frozen '' when my direct deposit was returned. It has now been almost 4 months since I was told repeatedly that the account would be closed and I would receive a refund check for my funds in the account. However I still can not get them to send a check, and they are instead placing low account balance service fees on the account. 

I told them I want the business checking closed as well - even though there is no issue with it - due to this incompetence and instead I get a sorry we can not close it via the phone or any other method than the branch. I find this unacceptable also since I am on the west coast on a travel assignment for a XXXX 

I want the fee 's refunded on the personal checking, and {$1000.00} approximately returned in that account. 
I also want my personal consulting business checking under my name closed as well ( it has a 0 balance ). 

I am ready to contact legal counsel.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-30
Company: MOHELA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been unable to determine how much I am actually supposed to pay for my student loans. Some of my loans are in the SAVE plan, yet other loans are not. I am unable to contact anyone either via email or the phone to determine what my loan status is. I have received 3 different amounts for payments, yet none of them make any sense. I find it absurd that we have to use companies that seem utterly useless for student loan repayment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: CITIBANK, N.A.
State: MS
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, XXXX XXXX XXXX  XXXX, bestbuy, XXXX, and XXXX have violated my rights. I have made repeated phone calls and sent out letters concerning any and all late payments. 

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX aka XXXX  was paid in full and still reporting as negative charge off. The creditor promised that if I paid within the 2 years balance in full. The charge would be remove in addition to the that the XXXX points would be reinstated reflecting a current balance.

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 2018-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
TransUnion poor reporting practices. They are still reporting fraudulent information of my credit report. I sent each credit reporting agency the same information and the other bureaus delete it but TransUnion still reports it. My credit report clearly demonstrate that information appearing on my credit report is inaccurate and is damaging my character, credibility and ability to obtain credit. 

Fraudulent amounts : {$14000.00}, {$13000.00}, {$4200.00}, {$17000.00}

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
Consumer complaint received 2023-12-14
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
On XXXX i sent XXXX a notice for closed account ending XXXX to opt of out any and ALL authorization i may have previously given allowing them to share any of my information with any 3rd party companies. They are still reporting to the credit reporting agencies. Therefore, not honoring my request! Per 15 USC 6801- 15 USC 6805, 16 CFR 313.7, privacy act of 1974 i have rights as a consumer that i chose to exercise.

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 2023-05-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022, I wrote check # XXXX in the amount of {$2500.00} from my checking account with Fifth Third Bank. I put it in the U.S. Mail from my law office. I check my account online daily, and I noted that this check cleared my account ( and the funds were deducted from my balance ) on or about XX/XX/2022. ( The bank records indicate that this check " posted '' to my account on XX/XX/2022. ) I therefore did not pay further attention to it. 

Several weeks later, the payee asked if I had sent him this check. When he said he had not received it, and I re-examined my account, I clicked the hyperlink that showed me the image of the check. The back of the check was indorsed by TWO people, rather than the single payee on the front of the check. I promptly reported this to Fifth Third and physically went to a bank branch to submit a fraud report on XX/XX/2022. 

Since that time ( after many weeks ), I learned that XXXX XXXX XXXXXXXX had honored the check and was told that because XXXX had so many problems with fraud, it could take up to 180 BUSINESS days to resolve the issue and refund my money. 

I have been in regular communication with the banker that took my fraud report. She states that she has no other information and could not give me any other person to discuss this with. I subsequently talked to her supervisor -- months later and after 6 telephone calls -- and she continues to give me the same information. She told me that this had been escalated again and that HER supervisor would contact me. He has never attempted to do so. 

After six months of making this my problem, with no resolution in sight, I have been given no choice but to file this complaint. I previously informed all of the bankers that I spoke with that I would be doing so. No one has cared enough to return my call since then, much less resolve the problem. I have also informed the bank that I intend to file a Complaint in Small Claims Court, which I intend to do.

Company response to consumer: Closed with explanation