BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-16
Company: VYSTAR CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am not sure if you are aware, but VyStar CU in XXXX, FL system has been down or not working for over a month now. They converted to a new system ( XXXX XXXX they purchased the company that they converted everyone 's ' account. Since then transactions have either been missing or unable to be identified on-line. 

I tried to access my account on multiple occasions, there is a waiting que for on-line. At one point, I was in line and my number was # XXXX, This took over 2hrs to get into their system and then it kicked me back out after waiting for over 2hrs. 

I called last week I believe it was Thursday, XX/XX/XXXX and ask that they send me via email a copy of my XX/XX/XXXX statement, because when I access it on-line only part of the month is listed. I can't even access their mobile app. even though their system says it is working... 

People have gone into the bank to get access to their account, people has waited in line over several hours or in drive through for hours... They keep telling everyone that it will be up and running soon, however to no avail. 

I accessed my account today and the same information, it does not show any transactions before XX/XX/XXXX. I have called to try and get them to help, but they advised that they site is " limited '' to what they can provide.

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 2018-05-11
Company: AES/PHEAA
State: CA
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 been paying additional amounts on my monthly payments in order to reduce the principal. I have just found from dealing with the company that additional amounts I have been paying since XX/XX/2012 have not been applied to principal. Instead the company have been holding the funds for future payments in a " paid ahead '' status. 

Basically holding my money and indefinitely pushing it forward in time to future payments instead of applying it to principal. This is a problem because I am paying the money now to reduce the principal on which I am paying interest. But they are not applying it to the principal, so they have my money, have not reduced my principal and are still changing me interest on the full amount. 

I had NO IDEA this was happening. I have been paying a lot more each month to reduce principal and apparently they have just been holding my funds. 

As of today, after speaking with a rep, they said they have taken off the " paid ahead '' status on my account. :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Chime Financial Inc
State: IN
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/2022 charges where made on my account that I didn't mage totaling XXXX. Chime had alerted me that a charge of XXXX hit my account from XXXX. I called chime to dispute the charge while I was calling them another charge was declined from an amount of XXXX thank XXXX. So while I was on the phone with chime 3 more charges went through for XXXX each totally XXXX. I even told them as I watched helpless. They told they couldn't stop pending transactions but could shut off my card and issue a new one that that point and when they went from pending to settled then I can dispute all of them. So I did just that. The turn around was less than 24hrs and told me they denied they dispute but didn't tell me why our send any e-mail with documents showing why. They said they'd reopen it with more info if I had anymore to give them. So I did just that I found the number to XXXX and called them they told me I had to be a member of XXXX to get any information on the charges and he said since I wasn't a member that should be evidence enough for chime to call them and get info on my case. So I gave chime the number and they still denied my dispute. I filed with my local police department have then that info and still denied my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
I am would like to file a complaint against American Express. I have received the worst treatment from them. I had two accounts with them that were both in good standing. They have recently closed one of them due " changes in my credit file '' yes my utilization has gone up but I have 100 % on time payments. Then to add salt to the wound they decided to lower my credit limit. I have never been late with them or anyone of my creditors. Yes, I have a lot of usage on my accounts but they offer rewards and other perks so that's why I use my accounts. I have recently got a raise from my job and decided to request a credit limit increase on the one account I have left with American Express instead they decided to lower my credit limit from $ XXXX to {$800.00}?? They are my lowest credit limit I have limits from $ XXXX $ XXXX on my other creditors. I have called customer service and get the run around from them. I am very upset that they do not value me as a customer. I spoke to a supervisor today XX/XX/2020 who said I need to send in documentation for my account to be re-reviewed. I am not sending in anything I don't feel like I have to go through hoops when I have been in good standing. I will just pay them what I owe at this point. I extremely dissatisfied that my level of business is not good enough for them but my other creditors seem to appreciate me. Please look into this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was at a car dealership today XX/XX/2019 and when they ran my credit to see if I qualified for the loan I was told that I didnt because there were some accounts in negative standing on my credit. None of those negative accounts belong to me. I have reason to believe that these accounts were opened by either my dad or uncle since they both have the same name as me. I never allowed anyone to open these accounts using my personal information and I have already filed a police report. I did not benefit anything from these accounts that were opened in my name nor did I make any payments or purchases with any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
This complaint is being made against Transunion. This is not a request for TU to verify the XXXX XXXX XXXX account this is a request for TU to remove this account in its entirety completely from my credit profile. Transunion has failed to report the account 100 % accurately even after allegedly verifying this account. TU when mirrored against the other companies each bureau is reporting something totally different. Ive been factually disputing TU reporting since XXXX and each rime I point out an inaccuracies TU updates my call out, fails to provide the source of verification and continue to violate my rights under FCRA 611. This is my final request for the account to be removed since TU failed to report the account 100 % correct. I am gearing up to obtain a lawyer is sue and request the max at {$1000.00} per occurrence since TU is not abiding to rules, regulations and violating my consumer rights.

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 2019-02-27
Company: HYUNDAI CAPITAL AMERICA
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: Investigation took more than 30 days

Complaint:
I bought a new car on XX/XX/XXXX, from XXXX XXXX XXXX, CA. I got financing with XXXX XXXX. Unfortunately I got an accident on XX/XX/XXXX and my vehicle was total loss. The insurance company, XXXX XXXX, delayed the payment to XXXX XXXX, I was struggled by those two companies. On XX/XX/XXXX I was going to pay the monthly payment due via online system at XXXX XXXX, I used to pay and through online the system. But system was frozen with this account, the other two account is live. I call to customer support center asked to release frozen system for payment, He can not fix anything about my requesting. On XX/XX/XXXX I logged in XXXX XXXX online system for payment. Account with this vehicle was frozen. 
Finally on XX/XX/XXXX Payoff balance check was delivered to XXXX XXXX . On XX/XX/XXXX, My credit report was negative by XXXX XXXX. Late payment was reported. 
Hyundai has to explain to me what happen to my account frozen, and also customer support center reps. has some solution for I requested to pay the payment due. 
I sent a written requesting to XXXX XXXX on XX/XX/XXXX, I do not have any letter from the XXXX XXXX . 

I do have some evidences what I did. 

Appreciated your time and help, Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I purchased a condominium XXXX XXXX XXXX, originally purchased with XXXX XXXX XXXX XXXX. I was never given a notice, but they suddenly sold the note to US Bank National Association. They have since went up several times on the mortgage payment. I recently mailed them certified and faxed a letter requesting UCC Article 9, Writ of Discovery, freedom of information act and request of accounting regarding the loan. I also sent them a tender of payment to include 1099A, twice XXXX and XXXX XXXX  Since US Bank has securitized the promissory note, without my consent and knowledge, I have rescinded the contract and stand a surety over the securities and request and demand discharge of debts. They have committed securities fraud and I demand a discharge and immediate pay off to be reported on my credit report. They have ignored the notice and phone calls. They have instead used it to ask if I want to sell the property or request forbearance. I am demanding a discharge of the debt, due to securities 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 2019-11-24
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a phone call from MUFG Union Bank N.A. on XX/XX/2019 for my XXXX mortgage payment. I told the agent - and sent them proof - that I sent a Priority letter with the cashiers check from XXXX on XX/XX/2019 and it arrived at their XXXX XXXX facility on XX/XX/2019. 

I called XXXX XXXX  to see if the cashiers check was cashed, and it was not. I have included the proof of delivery for the Priority mail, and the cashiers check stub. 

On XX/XX/2019, I called MUFG Union Bank, and they said that mortgage was paid, but the other day I received a letter saying it was not. 

This company 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 non-monetary relief
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: NV
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX .... Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$350.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: GOLDMAN SACHS BANK USA
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: Problem with personal statement of dispute

Complaint:
XXXX issue/ wallet Billing. My XXXX was stolen awhile back. Unfortunately phone was not locked. The thief enter and took over my email account ( XXXX, app account, ordered items off my credit card, and deleted all pictures from my XXXX/ phone. This incident forced me to close all accounts through XXXX, use my other email account, and to order a new phone. Additionally, I was forcibly locked out my XXXX for nearly two weeks. 
Upon receiving my next phone XXXX could not provide me access to my remaining information left in the XXXX with the new address of XXXX. To make me whole from the experience, it was suggested to keep the username of XXXX but to use my new email of XXXX. 
Since the theft of my phone and information I havent used XXXX. 
Apple Card services has charged Me for apps, on two occasions in the amount of {$2.00}. The charges appeared in a wallet app on my phone that I had no knowledge existed. I was told notifications were sent to XXXX My credit issue was only discovered after I pulled my credit for denied credit. Upon calling my first issue of complaint was that a bill was never mailed out for the charges. This is when I was I informed of the wallet. I was informed that paper bills are not mailed and instead the bills and sent to the wallet app. Being old school, a wallet on my phone didnt sink it.I was walked through this process by the responding agent and the matter was partially resolved. Meaning they got their {$2.00} and late fee for the app not being paid. I, on the other hand, I did not know the wallet existed nor did i know a there was a bill on my phone. As a result, I got a report of being late of XX/XX/90 days. This incident Turned my credit score from the XXXX to XXXX or less. I pay my bills religiously! I have called and requested paper bills but they say its not an option. Ive called Goldman Sachs several times requesting a removal of the items in Good Faith and each time the dispute resolution department disconnects from the call. I desperately need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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:
n accordance with the Fair Credit Reporting act XXXX Account 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 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

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 2022-01-31
Company: CONGRESS COLLECTION CORP
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this CONGRESSCOLL ( Original Creditor : XXXX XXXX XXXX ) with the account number XXXX was reporting to be negative on XXXX XXXX I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
This past summer, I received physical mail informing me of a promotional offer regarding opening a Wells Fargo checking account. Wells Fargo offered a {$320.00} bonus in exchange for opening an account and meeting the below qualifications : XXXX. Opening the account using their promotional link as found in my letter. XXXX. Opening the account by XX/XX/XXXX. XXXX. Connecting a direct deposit and depositing XXXX XXXX within XXXX months. I met all of the above requirements. I contacted Wells Fargo after meeting the requirements and they asked me to wait until the 3 months had passed for the bonus to deposit. The 3 months came and went but no bonus was deposited. I have since spent at least XXXX XXXX on numerous occasions throughout XXXX and XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) on the phone with Wells Fargo customer service, in an online chat with their customer service, and to top things off, they asked me to come into a physical Wells Fargo location where they assured me they would be able to take care of this matter but did not - complete waste of my time. They have now closed my case claiming there was no promotional offer found on my account and that I must not have used their promotional link. I absolutely did. The link was " wellsfargo.comXXXX XXXX  and I would not have signed up for an account without ensuring I used their link. This is actually the second time Wells Fargo has reneged on a sign-up bonus. I had a similar experience opening up a credit card with them a couple of years ago and I was hesitant to now sign up for this offer as well, only for my fears to be confirmed. They responded to this complaint without reading any of it, instead only commenting about the credit card, and not addressing the new CHECKING ACCOUNT ISSUE. This complaint is about the CHECKING ACCOUNT BONUS THAT WELLS FARGO RENEGED ON. NOT the credit card bonus that they reneged on, as this was addressed over a year ago. I don't usually use all caps but the lack of attention to detail in Wells Fargo 's responses has been unbelievable. Again, I absolutely met all requirements and to claim that I did not is a flat out lie.

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 2023-12-06
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
on the XXXX of XXXX venmo sent me this email : XXXX XXXX, Our records show that you had funds in Venmo that were previously under review in our system, and those funds are now available to be transferred from Venmo to your bank account. 

Please note that you will only be able to transfer the funds in your Venmo account to a bank account using our standard transfer option. Due to restrictions on your account, you will NOT be able to use our instant transfer option. 

Please reach out to us if you have any questions. You can contact us by visiting our Help Center, linked here. 
Thank you, Team Venmo SINCE THE XXXX OF XXXX VENMO IS DENYING TO ADD MY NEW BANK ACCOUNT SO I COULD WITHDRAW MY FUNDS! I KEEP EMAILING THEM AND THEY ARE JUST IGNORING ME SINCE XXXX!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: ENCORE CAPITAL GROUP INC.
State: LA
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:
On XXXX/XXXX/2033 I received a collection notice from MIDLAND CREDIT MANAGEMEN in regards to doing business with XXXX XXXX in the amount of {$3500.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ;

Company response to consumer: Closed with non-monetary relief