BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-16
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 Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain 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 explanation
Consumer complaint received 2023-04-28
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
3 weeks ago I zeroed out my account with Truist and went into my local branch to close my account. I was told by the bank representative that my account was closed. However, rather than actually closing my account they allowed a debit to my account and have charged me overdraft and maintenance fees. This is unethical. I called the bank and they refused to cancel out the fees or close my account for good despite me offering to pay the debit and not the fees. Again, I find this incredibly unethical.

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 2022-06-13
Company: VW Credit
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Volkswagen Credit violated my federal protected rights twice under UCC Article 9 through noncompliance : First, Pursuant to UCC 9-611 section ( b ) Except as otherwise provided in subsection ( d ), a secured party that disposes of collateral under Section 9-610 SHALL send to the persons specified in subsection ( c ) a REASONABLE authenticated notification of disposition. '' VW Credit DID NOT send me, the debtor, REASONABLE authenticated notification prior to the repossession of my XXXX  XXXX XXXX from my residential address in the state oXXXX XXXX 

Secondly, Pursuant to UCC 9-616 section ( b ) " In a consumer-goods transaction in which the debtor is entitled to a surplus or a consumer obligor is liable for a deficiency under Section 9-615, the secured party shall : ( 1 ) send an explanation to the debtor or consumer obligor, as applicable, after the disposition ... '' VW Credit also DID NOT REASONABLY send the explanation to me, at any time between XXXX. I, the debtor, did not receive an authenticated notice. Proof of that is evident through VW Credits admission/response to my prior CFPB complaint ( Please see attachment ). The dated explanation/post-sale letter that VW Credit responded with included my name and a XXXX XXXX address . I have not resided at that SC address in more than four years. Despite that fact, VW Credit still proceeded with hiring a third-party to repossess the XXXX XXXX XXXX at my actual residence in XXXX, XXXX  That was not reasonable and a clear violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Fraud occurred XXXX XXXX XXXX {$700.00} check fraud. I bank w/ Bank of America for 20 years. ( 3 months in ) and they failed to send me the bank affidavit form/doc. so I can file my police report. Never received a status update either. I keep calling the fraud dept. and nothing has been resolved. The local branches by me are closed and do not offer this service. This is handled by the back office. Never mailed me the bank affidavit. UNACCEPTABLE!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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

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 2021-11-23
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax XXXX XXXX the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$96.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I called Bank of America for my disputed transaction I have two disputes and 2 refunds that is not in my account. Last year i filed a complaints beause they took {$1300.00} twice from my account I never got my money they make it seem that they credit it but they took the money on my account twice I let that go, They also charge me so may fees. 
But I went on XXXX had a XXXX  XXXX so now I have only XXXX not much every month, B of A also did let me withdraw on the pandemic time I got an ATM from XXXX for the bank won't let me withdraw. XXXX to XXXX I Supposed to get {$3800.00} that I didn't get from XXXX, and they won't give that back to me.XXXX wont give it to me now. 
I'm with bank of America XXXX plus years. 

I just want a temporary credit for {$61.00} or. XXXX I called the dispute dept on Arkansas they are so prejudice to me the first representative I talked is so fresh like he knows everything he said I have to wait 90 days for investigation I told XXXX ( think that is name ) that I need to talk to their supervisor because I felt so bad the way he talk to me and already deciding for the supervisor I just ask for temporary credit they can take the money they can take it back that's my money that i entrust them to. they can take it back from my account when if they find out if i don't deserve that money. I told them the person I paid have a deceiving website they are from XXXX, and they won't let the get a temp credit, I told them I'm going to XXXX after XXXX they make beg for my own money and treat me like criminal, I didn't get my order, so I dispute it. XXXX and XXXX I told them I already file a complaint at XXXX and XXXX. He put me on hold them a woman supervisor talked to me I got so upset they are not even sympathetic they sound degrading. Prejudice they make me feel like I'm a criminal. I got upset I explained to them that I need that money everybody is having a hard time now. the vendors sit on my money. I have XXXX on my savings at that time, they just don't want to help out, I end up just giving up and said that I wish they get a karma for being so bad to me. 
the next day I took my savings, but I have auto pay account it will be very difficult to change account. i have XXXX. 
I was trying to use my ATM card it declined my transaction. I called B of A their customer service the following day he told me that my account is closed. 
I ask why didn't let me know? they didn't even let me know its two days before XXXX I almost had a XXXX. XXXX then i ask why did that to me, how much is my balance is? he said that they can't give me any information about my own account that they close. I'm very frustrated with this bank they think they can just do whatever they want on my account? why they treat me like 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 monetary relief
Consumer complaint received 2023-01-26
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have been a longtime American Express customer and have paid lots and lots in fees over the years. One perk of one of my cards is a companion pass to use on XXXX. AmEx extended the deadline for use during the pandemic, but despite tons of XXXX  travel issues in XXXX, refused to extend these passes ' deadlines again. As a result, I know lots of people who have been unable to use this benefit. 

I am scheduled to use one this weekend XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 

I called XXXX  today to see if I can get a few week extension on the pass. XXXX  said to call AmEx. I called AmEx, and AmEx said to call XXXX. I called XXXX  again, and XXXX  said to call AmEx. I called AmEx again and asked to speak with a manager. The CSR said that there was no manager available and someone would call back within 24 hours, but that AmEx would refuse to accommodate my request to extend ( or have reissued ) the companion ticket. 

This is really poor service, and shocking that during a pandemic, this business will not accommodate my simple request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments with no dates. Two 30 days late and one 60 day late. I am not sure how this happened. I believe I made my payments when I received my statement. My only thought is that my statement did not get to me. This account has been paid and closed since XX/XX/18.

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 2021-11-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I ordered a credit card from XXXX XXXXXXXX in 2012 never received the card it was constantly being used and charged and I sent them a police report and they still havent taken it off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: ERC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I the consumer have tried to dispute accounts that were resulting in IDENTITY THEFT the creditors, XXXX, XXXX, AND XXXX failed to block and remove the accounts according to XXXX XXXX XXXX XXXX XXXX PLEASE remove accounts from consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am not liable and should not be held liable in any form for this debt with Santander Consumer USA. The loan is outdated and 100 % paid off and needs to be removed from my credit report immediately. 

15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: AES/PHEAA
State: NM
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:
FedLoans has been giving me the brush off for 3 years now. I have submitted 3 XXXX employment verification forms and have received 3 letters from them telling me they are in the process of transferring my loans to FedLoans and once they are transferred, they will calculate my eligibility for XXXX and the number of qualifying payments I have made. Problem is that my loans never transfer and they and the Department of Education just send me in never ending circles telling me it's in process. I've filed complaints with DOE and they contact FedLoans, and FedLoans tells them the transfer is in process, and then DOE close the complaint without verify that the loans transferred. After 3 years I deserve to have my progress documented, so many are getting screwed out of their forgiveness because of their shady actions. I should have about 3 years of qualifying payments, and I have no documentation or confirmation from DOE. The DOE website shows that I have 0 months of qualifying payments because Fedloans will not transfer and calculate it. FedLoans constantly lies to me about the status and about being in process. I've sent multiple email correspondence and they dont respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received a " XXXX XXXX  '' Citi credit card ( ending in XXXX ) on XX/XX/XXXX and looked similar to my other Citi " Thank you, card. I didn't apply for it, but due to the similarities to my other card, thought it was being transitioned to this new card instead. I completed the activation via the website, but was prompted to contact the fraud dept at Citi. 
Upon doing so, i began asking questions to the rep about the card and truth coming out that someone had called in from Pennsylvania on XX/XX/XXXX to apply for the card. When questioned if identifying information was requested from the applicant, I was informed that it had not been. This is a new product for CITI, which does concern me that new products are pushed heavier and that my identification was comprised along with credit report run without confirming the identity of the false applicant. 
We left the XXXX long conversation that they would close out the new card and was provided an XXXX for an investigative team that i was to call the next day between XXXX. 
On XX/XX/XXXX at XXXX, i called the number provided of XXXX, which was a fax number. 
Upon calling into CITI, I found out that the new card that i did not apply was never closed out and that an alternate card that I have, CITI Thank you ( ending in XXXX ) was closed out instead. We will now have to wait XXXX days for a team to investigate and approve that request for that card to be reopened, all while the new fraud to be closed out. I have not been made aware whether charges were made on the fraudulent card or not, as no-one was able to answer that question. 
CITI admitted that nowhere during the process of the false applicant calling in on XX/XX/XXXX that the same level of identification questions were asked and that it wasnt a red flag that the new applicants address was somewhere random in XXXX which ive never lived in. 
I have filed a police report and will be uploading the complaint to the credit bureaus. 
I have also been made aware that CITI has no intention on removing the inquiry from the credit bureaus or requesting that it be deleted, as that is my problem, per the rep that i spoke with on XX/XX/XXXX. This level of incompetence is a major burden to me and compromises my financial affairs.

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 2023-10-11
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
When I initially took out the loan it was with a different lender. Since the new lender has taken over the account the bill has increased by 40 % + there is no explanation of these fees and I have asked for many times for payment plans and deferments. I was in the US military and was still harassed constantly by the lender while XXXX. They have violated many laws and the patriot act like which I reported to the big XXXX credit agencies at the time and nothing has happened and I continue to get swamped with interest. I have had this debt for more than XXXX  years and have tried many times to work with the different lenders, I would like a fresh start so I can get my life together.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: AL
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.

The letters are stated with items and issues.

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 XXXX 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 2023-02-09
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
There are several inquiries on my credit report that I did but give authorization to nor was I aware of. 
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 2023-10-11
Company: TransferWise Ltd
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
After receiving a wire transfer amount of {$10000.00}, on XX/XX/2023 into wise account. My account was reactivated. After appealing for my account reactivated, I was being told that This can take up to 5-40 working days, but can take longer in some cases. Its over 40 working days now and I havent received respond yet. barely ever used the Wise App and I am very new to the Wise App I could use some clarification for this issue please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VT
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2023 a collection representative of Toyota Financial Services contacted me via phone number ( XXXX ) XXXX XXXX at/or about XXXXXXXX XXXX ( Vermont time ). To collect the DISPUTED ACCOUNT OF MONEY OWED. I told her that she should send all communication in writing and that I filed a CFPB Complaint against Toyota Financial Services. She ended the call and I filed this complaint because I believe that Toyota Financial Services tried to use UNETHICAL collection practices to VIOLATE MY CUSTOMER PROTECTION RIGHTS. Because of the alarming phone call I now need to seek consoling to cope with the additional stress of that phone call.

Company response to consumer: Closed with explanation