BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been in dispute for a very very long time. Wells Fargo is refusing to provide me with a simple report showing : 1. The date they received my payment.

2. The amount of that payment they received. 

They are trying to pass off a report that shows a " Transaction Date '' as a " Date they received my payment date ''. When I pointed out I wanted a " Date they received my payment date '' they said a " Transaction Date '' and a " Date they received my payment date '' was the same date. Then they finally agreed they were not the same date. Then they said they do not have to provide me with a " Date they received my payment date ''. His name is XXXX XXXX and his phone number is XXXX. When he refused to provide me with this information, I requested to speak with his superior, XXXX XXXX. He refused to allow me. Every time I call Wells Fargo, they send me to XXXX XXXX and then he tells me I can not speak with his superior. When I call the Executive Office, I explain to them that I do not was to speak with XXXX XXXX, they put me on hold and send me to him anyway. This has gone on all day today .... at least 30 calls. THen I requested XXXX XXXX to call me and XXXX stated she would call at XXXX XXXX  today and now 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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 consumers rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account with out 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 2018-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
on XX/XX/XXXX I went online and pulled my annual free credit report this included Transunion 's, XXXX and XXXX  information on my credit. I then disputed a number of accounts they listed were still open that should have been closed, i.e. XXXX  XXXX XXXX XXXX XXXX which is an account I closed on my behalf last year. Transunion and the others is showing that this account is still in my name. Also Transunion and the others is showing that I still have an auto loan with XXXX XXXX from XX/XX/XXXX. I disputed this online at their web site that this account is paid off and should be closed. When I checked Transunion and the others again this week I found that they did not correct the XXXX XXXX XXXX or the XXXX XXXX account and correct this infomation.

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 2023-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
NOTICE OF IDENTITY THEFT / OPPORTUNITY TO CURE TO WHO IT MAY CONCERN. 
My name is XXXX XXXX and I will like to put you on a notice of identity theft. 
I am disputing an alleged fraud transaction and alert on my account number with information below Bank Routing # : XXXX Account # : XXXX Account Type : Primary signer Incident Date : XX/XX/2020 Principal Loss : Fee Reversal : Combined Loss & Fee Reversal : Paid/UnPaid/Settled : Paid Debt Paid in Full Date : XX/XX/2020 Contribution Reason : Checking Account Fraud which was closed due to an alleged fraudulent activity. 
This was an identity theft which I did not participate in. 
An amount of XXXX was deducted from my other Bank of America account number XXXX on XX/XX/2020 without my approval which is illegal. 
I would like to say I was a victim of identity theft and I will like all money deducted from my account be refunded to me and any identity theft on my early warning services and XXXX XXXX should be removed immediately. 
Find attached an FTC identity theft report, XXXX XXXX AND XXXX XXXX XXXX REPORT as proof I give you XXXX working days to resolve this issue as this account status is defaming my character and I have lost a lot of business relationship and ability to business with creditors. 
Because of this defamation of character, I have suffered emotional and financial damages for years and you have also stolen from me. 
This is the first time I am speaking in years of suffering and pain as a victim of identity theft. 
You have XXXX working days. 
Kindly take this seriously. 
Regards XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-21
Company: Maximus Education, LLC dba Aidvantage
State: MI
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:
I have had multiple problems with Aidvantage, which apparently has now been named my student loan servicer. First, I have only just now received my first billing statement from Aidvantage - only 10 days before the first payment is due rather than the 30 days required, as per federal law. Second, my student loan servicer was previously XXXX and was transferred to AidVantage without my receiving notification of the transfer. Third, I have tried calling AidVantage multiple times and am continually disconnected after multiple hours of holding without having the opportunity to speak to a representative or registering my complaint. Fourth, the original date listed on AidVantage 's website for the loan becoming due occurred 3 months before I graduated, although this date did fall during the payment pause. This loan servicer is in clear and flagrant violation of existing federal statutes by not following legally mandate notification requirements before the first payment is due. I would like to use another servicer, if at all possible, and if not I would like to file a claim against AidVantage in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Paypal Holdings, Inc
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
What happened is Ive been accused of someone saying I stole XXXX dollars from them, claiming they never got a bike helmet when I have no idea what that person is talking about, I was sending and receiving money from a associate from XXXX and that person send XXXX I send my associate the amount he splits and stuff like that and then few months ago I get reported for XXXX dollars when I didnt do nothing and I issued a refund to that person and nothing happens after this is not my debt bc I dont have that money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24
Company: BB&T CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2019, we experienced a financial hardship and we worked with BBT Mortgage company to make partial payments to insure we did not fall behind. 

In XX/XX/2019, we were advised that our Mortgage had been transferred to XXXX XXXX XXXX company. XXXX immediately placed us in a delinquency status. XX/XX/2019 we made contact with both XXXX and BBT in an attempt to get the two of them to speak. This was unsuccessful. BBT XXXX XXXX at XXXX told me " you are no longer our customer we can not help you - you must work with XXXX . She went on to say They have to work with you! '' I called back to XXXX and spoke with their representative XXXX. She told me that if I faxed over a request for account review XXXX should be able to get a payment history from BBT. I faxed this letter copied both XXXX and BBT requesting an audit/payment history. 
On XX/XX/2019 we received a certified letter from XXXX stating intent to foreclose. XX/XX/2019 we contact XXXX again speaking with an XXXX in loss mitigation we attempted to make a payment arrangement and advise we would pay {$1200.00} ( full loan payment amount ), he refused to accept it. Told us that they will not accept anything but the full amount of {$4300.00}. Explained we do not have that and again went through details showing we are not behind. This was to no avail. We provided financial information to XXXX to see if we could qualify for a payment plan to catch up ( even though we still believe we are not delinquent )! He said it will be reviewed we may or may not be granted approval. Said it was likely not going to be approved because our finances are too tight! 

I am unaware of anything else I can do but to reach out to every resource possible to get someone to clear this up.

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 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX  XXXX {$4500.00} XXXX XXXX {$20000.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX  XXXX {$260.00} XXXX XXXX   XXXX {$300.00} XXXX  XXXX {$620.00} XXXX XXXX {$1200.00} XXXX  XXXX {$490.00} XXXX/XXXX   XXXX {$400.00} XXXX  XXXX {$300.00}

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 2023-06-18
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I filed two disputes with XXXX. One was for {$100.00} on or about XXXX XXXX, 2023. I noticed the charge on my account and asked them to investigate it. I signed into my XXXX and noticed that it was on my XXXX as well and reached out to XXXX for further assistance. I have a representative on a recording stating that I won the claim and do not owe them. However, Chase keeps stating that I owe them when I do not. I have sent in my XXXX statement showing that I did not make the purchase and stated that my account was compromised but they refuse to listen. I want my money back because it is not legal or ethical to hold me liable for a purchase I did not make! Also, I filed a dispute with Enterprise rent a car showing my car insurance company paid them over {$300.00} for the rental while my vehicle was in the shop. I paid enterprise a refundable security deposit. I was denied my money back by both XXXX and Enterprise. This is THEFT and I want my money returned to me! This has caused so much XXXX XXXX when I am already battling so many troubling things. I want my cases opened and evaluated by someone higher up who can help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-27
Company: Reverse Mortgage Solutions, Inc.
State: HI
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX  for estate who held a reverse mortgage since XXXX on his property. XXXX XXXX was the servicer then XX/XX/XXXX XXXX took over. You were instrumental in resolving the problem of the month in XX/XX/XXXX complaint XXXX. I sold the unit XX/XX/XXXX and was required to remit in full the amount listed on the payoff statement dated XX/XX/XXXX. On XX/XX/XXXX I contested {$6500.00} and {$1000.00} property tax erroneously paid was removed. Subsequently I received the XXXX statement and {$41.00} plus {$5700.00} charge which increased the loan balance was contested overpayment to {$11000.00}. which was transmitted to RMS XX/XX/XXXX. on XX/XX/XXXX supervisor XXXX XXXX told me payoff statements were an estimate and any overpayment would be refunded. On XX/XX/XXXX at XXXXXXXX  CD {$410.00}, XXXX was transferred into RMS account. This weekend I received a notice RMS would no longer be servicing this account and would not be able to send checks after XX/XX/XXXX as XXXX XXXX  XXXX would become the servicing agent. Today RMS customer services XXXX reiterated they would respond in 30 business days and after XX/XX/XXXX would not be servicing. Supervisor was not available. Since the loan has been overpaid in full, there is o longer a loan to service. What can I do to recoup the overpayment? I elected to satisfy the Payoff statement in order to complete the unit sale which recorded XX/XX/XXXX. How can I recoup the overpayment? 
Reverse mortgages are impossible to deal with, my sympathies to anyone else that must interact with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I'm not sure exactly when I discovered that may Equifax credit file is basically blank. Showing only one account in my history and no current accounts at all. I have requested my credit report from Equifax several times through XXXX   but always received information back that my information didn't match so I needed to send in proof. I started using XXXX  XXXX XX/XX/XXXX to start trying to figure out what was going on with my credit. I have been a victim of identity theft and wanted a way to try and monitor credit on my own without paying a cost. This is when I saw that my address of Equifax is a Texas address that I did live at but over 10 years ago. The address is showing as current. So this is the reason I believe that my credit file is blank because the address is showing Texas but I live in NC. From XX/XX/XXXX-XX/XX/XXXX I have sent documentation to Equifax but always received information back that I needed to send in the same information proving my address. I had done this several time. I got frustrated and decided just to not care and hope it would get fixed. 

XX/XX/XXXX I decided to try a different approach. This time I sent the request to update my address certified mail. I received a document from Equifax that was dated XX/XX/XXXX that my address was updated based on the documentation I provided. As of today XX/XX/XXXX my address on XXXX XXXX for Equifax still has the old Texas address. I was apart of Equifax breach and have access to free credit reports through Equifax also. My address on TrustedID Premier provided by Equifax is still showing the old Texas address. 

I emailed Equifax on XX/XX/XXXX and asked why the address had not been updated based on the letter dated XX/XX/XXXX saying it would be updated. The response was to call and speak with a representative. Calling provides me no way to document what is going on. It allows Equifax to continue to give me the runaround. 

I would like my credit report updated to show my current address not a address from over 13 years ago. This shouldn't be a process that takes years to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2023 an unauthorized transaction was made on my account in the amount of {$1600.00}. I was unaware of this transaction until XXXX XXXX. Once I became aware I contacted the card issuer ( My Wisely ) to start a fraud claim. The card issuer stated they would send out a replacement card and fraud paperwork to complete my claim. I received a new card in approximately XXXX days. I contacted the card issuer again on XX/XX/2023 because I had yet to receive any paperwork. The phone representative stated that the paperwork is sent from a different department and usually takes XXXX business days to arrive. I inquired about receiving the paperwork by email and was told that was not an option and I should get it in the mail soon. I was told the dispute process was already underway and could take up to 90 days to complete. On XX/XX/2023 I received a letter stating that " The investigation has been finalized and we've determined that there was no error. No credit will be issued ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of 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. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Base on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor ; because I am a victim of identity theft! Please remove these accounts as soon as possible!

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 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 received a copy of my credit report and found the following items to be inaccurate. XXXX : XXXX XXXX XXXX Account number : XXXX XXXX : XXXX XXXXXXXX Account number : XXXX XXXX : XXXX XXXX Account number : XXXX, XXXX, XXXX XXXX : XXXX XXXX  Account number : XXXX XXXX : XXXX Account number : XXXX According to 15 US code 1681s-2 the 3 credit bureaus Trans Union, XXXX XXXX XXXX have violated my rights. 15 U.S.C 1681 Section 604 section 2 : It states a Consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2021-09-28
Company: Experian Information Solutions Inc.
State: VA
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:
Disputed debt that is being reported to bureaus as inaccurate and requested to validation from bureau and company, company have not sent any sent anything that validates this debt is mine, I have never done any business with the company and nor am I aware of amount they saying is owed. Ask for more verification from them and bureau and its still being reported incorrect and investigation from bureau responding once as verified and that is not correct.

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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 non-monetary relief
Consumer complaint received 2020-07-12
Company: Auto Buyers Credit LLC
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:
Investigation is taking longer than 30 days. Sent letters to XXXX, XXXX & XXXX XX/XX/XXXX about inaccurate information on my credit report. 

The following account is outdatedABC AUTO INC {$4300.00} date of last payment XX/XX/XXXX The following account is inaccurateXXXX XXXX XXXX  {$250.00} The following account is inaccurateXXXX XXXX XXXX  {$430.00}

Company response to consumer: Untimely response