BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX OF XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXXXXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX OF XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : 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 2020-10-03
Company: WELLS FARGO & COMPANY
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 have sent this request for disputing to XXXX and XXXX, no response Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 
For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. This account does not belong to me. 
XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

I am a victim of Identity Theft, this account is Fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America is holding up transactions in processing and posting them on those dates when the funds are not available so that the bank can charge overdraft fees. Even though The merchant charges my account gets approval from the bank of America and then the bank post that charge on the day when the funds are low to make overdraft fees. Every month they take out over {$100.00} in overdraft fees. 

On the XXXX of XXXX XXXX XXXX  charges were posted as you can see below funds were available and approved by the bank they held that charge in processing till XX/XX/XXXX. I was under the assumption that the charge has gone through and paid. They posted that charge on XXXX XXXX when my account balance was low and collected {$75.00} in fees as you can see below. This happens all the time and the bank is deceiving their clients and stealing money from their account. When I asked for a refund they stated it's not a bank error. Bank of America uses overdraft fees to generate revenue by deceiving its customers.

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 2020-12-31
Company: Massachusetts Educational Financing Authority
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In XXXX of XXXX, the MEFA student loans associated with my wifes XX/XX/XXXX education of which I am a consigner were purchased by XXXX XXXX XXXX. We immediately had issues with receiving the correct balance or amount due, nor could they XX/XX/XXXX ) explain why I was receiving late payments for loans not associated to my account number. This situation continued for the better part of 6 months when I finally was able to set up autopayments associated to the multiple accounts. Unfortunately, and what turned out to be unlawfully XXXX reported to the credit bureaus that I was late on payments an excessive number of times. I was never provided an answer as to why and was met with silence when asked for an explanation. 
Fast forward to XXXX of XXXX, the Covid crisis hits and my wife ( now a practicing XXXX XXXX is eligible for temporary deferment for the above-mentioned loans. We followed the proper procedure to defer and were assured by XXXX our account would remain in good standing. In XXXX, I receive yet another notification of XXXX plus days non-payment for a second account number. Countless hours on the phone with XXXX determined that when the data was migrated to their system in XXXX of XXXX my social security number had been miss keyed by one digit on several of the loans, thus creating another me with a different social security number and a second loan number. XXXX representatives openly acknowledged their error and agreed that this was why I was inconsistent information each time I called. 
Following countless apologies and open admission of their error the issue was escalated to the XXXX collection team who were instructed to reverse the false entries in my credit report. They did not and refused to do so with no coherent explanation. Attached are detailed extemporaneous notes to capture in detail my years long interactions with XXXX. These notes clearly capture a level of incompetence and wanting negligence by XXXX that should be considered criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I responded to an offer which involved a {$300.00} bonus for meeting certain direct deposit requirements that was being advertised through the bank of america website, I was presented with this offer, as I have an open credit line with them. upon establishing the new checking account, and met all requirements, not bonus payment was made. The first time I called, they assured me the system would kick in after 60-90 days. I have not seen a single Bonus deposit after nearly 6 months. Either I was mislead to open a new checkings account, or their system  is not functioning properly. Either way, they do not honor their word and should not be advertising false claims.

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 2023-05-05
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I needed some money to pay for auto repairs on my truck. I went into Title Max, located in XXXX GA, to Pawn the title to my truck. The worker somewhat explained the agreement. The loan was for the amount of {$2700.00}. The worker advised me after making all my payments, with interest included, that it would be a total of {$3200.00}. That amount is also stated in my agreement. While the workers were getting the agreement together they advised that Book Value of my truck was about {$6000.00} and if I was to sell it would that be the price I sold it for. I told them yes. I have been making the minimum payments a month. Since XX/XX/XXXX to today 's date, XX/XX/XXXX, I have paid over {$3600.00}. Well over the so called " final amount '' to be paid. I contacted Titlemax to which they advised me when I made the minimum payment each month I was " resigning '' my agreement and getting hit with more interest fees. I told Titlemax that I was going to be obtaining an attorney to which they hung up on me. After paying Titlemax XXXX they advised that I still owed {$2300.00} on my truck. In XXXX of XXXX my truck was repossessed because I refused more money for my title when I already paid well passed the {$3200.00} that they told me. After my truck got repossessed I got a let notifying me that I had 60 day to get my personal items from the truck but there was no address of were to go to get my items. In XXXX of XXXX I contacted Titlemax to asked were to go to get my personal item but they told me that due to me telling them I was getting an attorney that they could not tell me anything on where my truck and personal belonging were located at. I have contact Titlemax several other times but was not getting any information from them. To this day XX/XX/XXXX I have not heard anything from Titlemax. If I was to pay the remaining balance of {$2300.00} I would of paid {$6200.00} on a {$3200.00} loan. I also can not access my account and agreement on the Titlemax website to provide proof of my agreement with them. I am assuming that they sold my truck and got rid of my personal item which my items in my truck were valued over thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Patenaude & Felix A Professional Corporation
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 have been receiving several phone calls from Patenaude and Felix. I get them all day everyday. I have inform that I am not allow personal calls at work. Even after telling them this they still keep on. This is a form of harassment and it needs to stop NOW. There are laws against this kind of thing and I don't see why they can get away with. I know that if I say stop calling they must stop, guess they don't understand the word STOP!!!!.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: U.S. BANCORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my auto loan with US Bank on XX/XX/2017. US Bank never released the lien with the CA DMV. 

In XXXX when trying to transfer the title while trying to sell the car I discovered that US Bank was still on the title as a lien holder. I am selling the car because I'm moving out of state and can not transport the car myself. On XX/XX/XXXX I requested a lien release letter from US Bank so that I could take care of this with the DMV and assumed that they would electronically communicate with the DMV to release the lien. Upon requesting the letter US Bank informed me that the lien release process would take 3 business days plus delivery time. I then called after 3 business days to make sure the letter had been sent. It had not, at which time they told me it was delayed and expected it would take 7 business days. At 7 business days I called back to check again at which point I was told it was now taking 15 business days. I called back several times after this to see if it could be expedited, but to no avail. On XX/XX/XXXX I scheduled an appointment with a US Bank branch representative XXXX in XXXX CA, who called the office in charge of lien release who relayed the message that the lien release had been sitting around but that they would get to it within 10 business days. 

Because of the almost 4 year delay from US Bank I now have to pay for car transport from California to Texas because I'm unable sell the car which has a lien on the title even though it is paid off in full. I also have the letter from US Bank stating that it is paid off in full.

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 2021-02-16
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a formal complaint against LVNV LLC located in XXXX, SC. This company has repeatedly violated my consumer rights under the Fair Debt Collection and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX  and XXXX. and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, LVNV LLC has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX XXXX has several campaigns to reach a certain status if you use your cobranded card by XXXX date. In this case, if I used my card by the end of the statement balance in XX/XX/XXXX, my status at XXXX XXXX would be achieved. However, this is a scam. They are now saying they need to investigate why all my charges in XXXX were slotted and put into XXXX ( conveniently ) excluding or granting me any oft the so called promotions they so deeply offer. It's been 1 month and half now, and XXXX has yet to respond and all they say is that they are looking into it with Citi. 

Payment in XXXX, was actually paid early and the remainder was paid on the due date of XX/XX/2023. However, the batching process according to XXXX XXXX show that payment was only received in XXXX, which means my points do no show for XXXX but in XXXX. They are saying this is an error on the Citi side that needs to be fixed. Obviously I took screenshots of the payments in XXXX, and really amazed at all these flaws ( or attempts not to honor their own promotions ). 

Even on the XXXX XXXX it says QUALIFY BY XX/XX/XXXX... When I called in on a recorded line- they said all the spend thru the end of that billing cycle would be towards the current year as it is clearly illustated in the app. Somehow, on XX/XX/XXXX, the points I accured automatically went to XXXX ... What a scam.

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 2023-05-18
Company: BARCLAYS BANK DELAWARE
State: NC
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:
This morning XXXX I received a credit alert from XXXX of a new credit inquiry that I did not initiate, and then later an email from XXXX saying thanks for electing to go paperless with my new XXXX XXXX XXXX XXXX XXXX that I did not sign up for. I have had absolutely no interaction with XXXX and did not request a credit card.

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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
PLEASE REMOVE THE FARUD ALERT ON MY CREDIT RPORT I DID NOT AUHTORIZE SOMEONE TO ADD A FRAUD ALERT ON MY CREDIT REPORT. PLEASE.

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 2020-12-31
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a car lease with Hyunda. I had the car for 12 months - I went to sell the car ( what was remaining of the lease ) - I went to a used car dealer on XXXX XXXX in XXXX XXXX XXXX No Longer open ) and the dealer received a payoff from Hyunda verbally in which was inaccurate I found out after I sold the vehicle to the dealership. I did not have possession of the vehicle when Hyunda reported the account derogatory and closed.

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 2021-05-18
Company: Checkr, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
I have been driving for XXXX full-time for over 2 years and am a highly ranked driver with a 4.99 ranking out of 5.0 with over 6000 riders. I have not been able to access the XXXX platform in 3 WEEKS because of my prior background check expiring while CheckR ( XXXX 's 3rd part background check service provider ), conducts the current background investigation. The company states background checks take 3-5 business days. As per XXXX the driving record part of the investigation is complete but the criminal background check part is still pending after 28 D-A-Y-S and counting?! 
I AM NOT A CRIMINAL. I HAVE COMMITTED NO CRIMES. Yet, I am guilty until proven innocent in this bureaucratic process that takes advcantage of the fact that XXXX drivers are " contract workers '' .. 
Meanwhile, I have literally lost XXXX $ of dollars of revenue as my XXXX account is suspended waiting for CheckR 's response. I have received no email communications from CheckR requesting any further information. It is IMPOSSIBLE to get ANYONE on the phone let alone have someone EXPLAIN what the hold up is. The only resource is a cookie-cutter FAQ page on their website about what " MIGHT '' be holding up the background check. When you attempt to call it leads to a recorded message that refers you back to their website portal and promptly hangs up on you?!

Meanwhile, I am unable to drive for XXXX OR ANY OTHER COMPANY that uses CheckR as their background company. I am left with NO RECOURSE, NO INCOME, and NO ALTERNATIVES to replace my livelihood as a gig driver!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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 explanation
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: MI
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation