BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/21 went to XXXX in XXXX XXXX and did 2 withdrawals with my Bank of America debit card, at an atm machine. The transactions were for the amount of {$120.00} and {$200.00}. The money never dispensed and I was defrauded. 

Later on the XX/XX/21 I called Bank of America to let them know. The first call I spoke with someone. Outlined the issue. And they disconnected my call, so I was unable to fill a claim, or a complaint about Bank of Americas service. I had to call a second time to Bank of America, and during that call I was informed they could not stop the transactions, because it was outside of their policy. 

During the second call. I informed Bank of America I was on vacation and needed the funds. They again stated it was outside their policy, even after telling them customer service agent, named XXXX, that the XXXX ATM machine defrauded me. 

I need help, as I think Bank Of Americas claims and fraud policy is not treated customers fairly, since my account does not have a lot of money in it. Seems they treat lower income people poorly, and those that are a minority, such as myself. 

Very upset as they really caused me problems on my vacation, even though I was timely in notifying the bank. There should be some policy that accounts for this type of situation, and in which everyone front different income levels are treating the same.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: MO
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:
Please remove this record from my consumer report immediately. I will be filing an identity theft report against Experian for continually to unlawfully use my personal identifying information without my permission. I will also be reporting to the attorney general in your assigned state as well as the FTC for unlawful use of my consumer information for trading purposes on the XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX for the company. Your integrity is to the consumer you said you would uphold and protect. Finally, I will report Experian to the Federal Office of Ombudsman. This is my 3rd request. Also, I dispute the information being reported by XXXX. This company committed identity theft. 
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 explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Round about XX/XX/XXXX, I sent an Affidavit of debt verification request letter to XXXX pertaining to two " US Dept. Of Education '' accounts ( amounts {$3500.00} and {$6000.00} ). XXXX response to my validation request was I quote, " The disputed item is not currently reporting on the XXXX credit file '' and quote. Confirmation # : XXXX, See Attachment ( s ). On XX/XX/XXXX, my wife obtained an identity theft police report for both US Dept. Of Education accounts as well as other accounts, See Attachments. On XX/XX/XXXX I sent separate notarized Affidavits ( pertaining to fraudulent accounts, unverified accounts and inquires ) to XXXX, XXXX and TransUnion, See Attachment ( s ). On XX/XX/XXXX, I called XXXX to inquire as to the continued reporting of the two US Dept. Of Education accounts. After being transferred several times and on hold XXXX. and XXXXXXXX XXXX the supervisor would not answer my questions as to their legal authority to continue reporting these two accounts that are determined to be a result of identity theft via Police Report. At that point the supervisor sent me to an automated system to be disconnected. The first customer rep. I spoke with, I.D . # : XXXX, Call time : XXXX XXXX XXXX XXXX XXXX XXXX, See Attachments. Complaints : 1. XXXX did NOT validate the two US Dept. Of Education accounts. 2. XXXX said the two accounts in question were NOT reporting on my credit file. 3. XXXX continues to report the unverified accounts after receiving the police report via certified mail. 4. XXXX has requested I contact the creditor for debt validation. 5. XXXX has blocked me from accessing my XXXX account. Despite my various written request for validation and removal of unverified accounts they remain in my credit file which intentionally violate numerous federal laws such as and not limited to : FCRA Sections ; 605 ( c ), 609, 611, 616, 617, 623 etc. As well as several FDCPA 's. 

Note : TransUnion has also failed to delete these two accounts from my file. I received a letter from TransUnion ( dated : XX/XX/XXXX ) stating the debts have been deleted ( See Attachment ) but when I checked my TransUnion account online the debts were still reporting therefore, this complaint also applies to TransUnion. 












Date : XX/XX/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 2022-05-06
Company: Nelnet, Inc.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Tried to reach out stating I couldnt pay the loans off due to job charge and lower pay XXXX cant afford to pay off with XXXX kids and trying to provide a home for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: BSI Financial Holdings, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a XXXX XXXX issue among others. Please just forward to appropriate agency for review of company. I do not need anything. It was just difficult to do business with the company, I paid off the loan. 
The companys automated payment system has limited capability. Toward the XXXX of the month you can not get through to make the payment. Because of this your payment isnt necessarily made on the XXXX. They did reverse the late fee for me. 

I expressed mailed my payoff ; the mortgage servicer received it on a Saturday XXXX but did not credit it until Wednesday XXXX. When I mentioned this to staff, nothing was done. It is a XXXX XXXX  violation. 

Finally, they did not honor an assumption from a prior servicer. Luckily it was my parents loan ; I assumed it. So I had the death certificates etc when I had to deal with stuff like an escrow refund made out to the wrong party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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:
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 Identities as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION

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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX  {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$440.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  {$1700.00} XX/XX/XXXXXXXX XXXX XXXX {$1700.00} XX/XX/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 2023-03-27
Company: EQUIFAX, INC.
State: GA
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency information unlawfully ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: PNC Bank N.A.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Last Thursday, XX/XX/XXXX of 2021, around XXXX, I tried to deposit {$3600.00}, in all XXXX dollar bills, into a PNC Bank atm located at XXXX XXXX XXXX, XXXX XXXX, KY, XXXX, United States. I am not a member at this bank but I knew of the atms feature of being able to deposit money into ones account. The atm counted the money I put into the machine correctly and proceeded to ask me to continue. Once I clicked continue the atm told me that I wasnt able to deposit money in the atm to put into my account and that I had to go to my own bank institution. However, it never refunded the money that I put into the machine. It never even gave me a decline receipt for not being able to deposit the money. I then went into the bank to talk to a manager about what happen. After an hour of trying to explain what happen to my bank, XXXX, over the phone and the PNC bank manager, I was trying to figure out how to get my money back. XXXX was telling me there was no transaction history of me trying to deposit money into my account and the PNC bank manager was telling me since I was not a member at their bank institution there was no way to check my account to see why money wasnt deposited. Once understanding that there wasnt much my bank could do for me because there was no transaction history or no data to support my claim, PNC became my only option of trying to get my money. It only makes sense, PNC bank was where I deposited my money ; their atm was what took my money and didnt give me my money back. They had my money. But the PNC bank manager said their atms are serviced by a 3rd party company. The PNC bank manager would never give me the number to their 3rd party company that services that atm either. From what the manager told me, the 3rd party company are the only ones that would know of the overage in the atm. Ive called the PNC bank customer service number off of their website and spoke to a supervisor and explained to her what had transpired and she gave me a reference number and said she would call me within 24 to 48 hours with more details on how we could resolve the situation. The incident was that Thursday, so I expected a call the next day, which wouldve been Friday, or the following Monday. I still have not received a call. Tuesday I called the PNC branch where the incident took place and gave them the reference number to see if they could find any details of what their higher ups did with the situation. However, they couldnt find anything with the reference number i gave them. They then said Id have to get in touch with consumer financial protection bureau to try to resolve the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report.

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 2022-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I wrote a letter to Kohls, Capital One XXXX. Requesting to have my late history during a State of an Emergency XXXX removed is what the Federal Government put in place. I m not asking you to lie. I am asking you to oblige : Under the Credit Protections Under the Coronavirus CARES When Federal Law Prohibits Negative Credit Reporting The CARES Act, which was signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) Their response is they can not report inaccurate information.. My response back to them is providing them information regarding the Credit Protections Under the Coronavirus CARES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-08
Company: VW Credit
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Recived a bill for over {$3000.00} in Excess Wear and Tear Totaly not true Added a blacked out packet to my lease XXXX with orginal XXXX Parts Recived a condition report with Numerous replacements required that didnt need replacing Inspector from XXXX XXXX added charges for item not missing Listing of my care with after market wheels not true at time of turn in my car had its orginal XXXX Wheels Also being charge for body damage already was repaired befor Turning in XXXX I feel its XXXX way of off setting there cost when car is sent to auction In other words XXXX will do nothing to the car like mine sell it on there web site And charge leasse like mysef a inflated Unfair Costs Total Abusive Business Practices To make matters Worse Inreleassed a brand new XX/XX/2018 XXXX XXXX If I known about audis unfair charges I would never ever lease another XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-06
Company: EQUIFAX, 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:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the XXXX XXXX XXXX   in an attempt to receive verification of the following items. 

XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: NAVY FEDERAL CREDIT UNION
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: Account information incorrect

Complaint:
I have tried to resolve this problem with the collection agency XXXX, Navy Federal Credit Union, and XXXX. Everyone wants to blame the other. The account has been paid and should reflect a XXXX balance since XXXX. I have tried and tried and no one seems to want to fix it. They have a legal obligation to have correct information on my report. I have provided documentation to all parties to prove its paid to no avail. Please please please help me get this fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
These inquires were unauthorized.
-XXXX -XXXX XXXX -XXXX XXXX/XXXX  IS REPORTED AS A INQUIRY XXXX times -XXXX XXXX IS REPORTED AS A INQUIRY XXXX  TIMES -XXXX XXXX XXXX XXXX IS REPORTED AS A INQUIRY XXXX TIMES -XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX -XXXX XXXX XXXX IS REPORTED XXXX TIMES -XXXX XXXX -XXXX XXXX/ XXXX XXXX -XXXX XXXX/ XXXX XXXX XXXX -XXXX XXXX XXXX XXXX IS REPORTED XXXX TIMES -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 explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions 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:
My XXXX XXXX XXXX Credit card showing up as unknown payment history, unknown account status, unknown credit limit on my Experian Credit report but 2 months ago it said exceptional payment history and a XXXX dollar limit. I used the card every week since XX/XX/2021 and paid off everything as soon as they posted to my account. XXXX XXXX XXXX is saying they don't know why Experian is saying that because I have no balance and no one at Experian ever picks up the phone. It always says no one can take your phone call. I did a dispute with Experian and they said they aren't changing anything. Two months ago this dropped my credit score by XXXX points. I can't see my XXXXredit score on XXXX or 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 2022-05-06
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have advised Chime XXXX times that someone keeps changing my email and phone number thats causing me not able to login Chime asked me to send in my ID in my email address and phone number I did that XXXX times within one day but the situation continues to happen someone keeps changing my email and my phone number then Chime advised me to change my password I change my password over 12 times and the situation still is continue every time I change my password and look into my account my money is gone they have taken {$290.00} out of my account and they have taken {$320.00} out of my account that I work for on my job every time I call Chime they tells me I dont have an account and I advise them that my email and phone number keeps changing and thats why you can not find my account they are taking me through the mail about getting my account straight I shouldnt have to keep sending documents to prove that this is my account when I asked Chime to make knows that my email and phone numbers should not be changed at allThe situation still continue.

Company response to consumer: Closed with explanation