BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-03-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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. 
My name is XXXX XXXX my reporting number is -- XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX acct XXXX XXXX XXXX XXXX acct # 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 2023-02-24
Company: Experian Information Solutions Inc.
State: NY
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:
I did not authorize anyone employed by the companies listed below to make an inquiry and view my credit report. These companies have violated the Fair Credit Reporting Act Section 1681b ( c ). Such companies are not legally entitled to make the inquiry. I have a credit freeze. This is a serious breach of my privacy rights. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

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 2023-03-07
Company: REGIONS FINANCIAL CORPORATION
State: IL
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 balance transfer

Complaint:
I asked XXXXXXXX XXXX XXXX to do a balance transfer to Regions Bank in XXXX, Alabama. Transfer amount of {$18000.00}. Peoples bank use XXXX XXXX XXXX out of XXXX North Dakota for their credit cards. XXXX sent the transfer to Regions Bank, but Regions claims they never go the transfer. There was a typo in the credit card number but neither of these banks are willing to trace the money. I have talked to both of these banks on numerous occasions. I spoke with XXXX and XXXX at XXXX XXXX XXXX. And they claim it's Regions problem to trace the transfer. No one at Regions Bank would give me their names, but they say it's XXXX problem to trace what happened to the transfer.. Both banks blaming the other. XXXX gave me a trace number, but when I mentioned this to the people at Regions they didn't want to hear it or take action on it. As far as that goes neither does XXXX want to do a trace. But now both Banks want me to pay them {$1800.00}. That's not going to happen. I refuse to pay this bill twice. I do know that someone typoed a number in the credit card transfer. But that money had to go somewhere. And someone needs to find it.

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 2022-10-07
Company: CITIBANK, N.A.
State: PR
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am writing you regarding the account I opened on Citibank this past XX/XX/2022. I opened this account as a result of a Citibank XXXX I received by email. Since the actual economical situation, Citibank were offering at least some interest in this saving account. It was a Citi XXXX XXXX account with the Routing number XXXX XXXX XXXX XXXX XXXX, and the Account number is XXXX I funded the account with an initial deposit of {$2000.00} from my account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Like everything went well I decide to fund more money since the purpose of opening this account was to have a higher interest in my money. 
So I decide to transfer for the same XXXX XXXX XXXXXXXX account the amount of {$10000.00} and that is was when the problem started. 

After that I received an email on XX/XX/XXXX that my account was schedule to automatically close within 60 days, telling me that Citibank found that I violated the terms or my account per client manual. And give me direction to call to the New Account Fraud number XXXXXXXX XXXX XXXX. I did this in several times and nobody can tell me what specific term that I violated. No information was given to me and no explanation. But in every cal, l I wasted time waiting for them in the phone and they never gave me an answer why my account was closed.

I have spent hours trying to reach the Fraud Prevention number XXXX XXXX XXXX without any result. I remember been in the phone for 2 hours and 50 minutes without any success. The only answer of my question came from customer service of Citibank but they are limited in the way to help me. The person indicates me that my account was closed on XX/XX/2022 with the total amount of {$12000.00} and that the money were going to be send by a check to me to the address on file. I waited two weeks and no letter were received and I called back and they said to wait more. The money never arrived. 
One person of the Fraud department told me that they are not going to returned my money and I get so furious that almost insult the person but he is not responsible for the situation then after I asked him for forgiveness... 
I also wrote to Citibank requesting them to close my account as they mentioned me in the email and send me my money to the address register in the account. But they never answer me. 
I am so disappointed because an international bank like Citibank creates this kind of problems to the customers. I am not a new customer with Citibank I had different accounts throughout the years and also couple of credit cards. 

I have evidence of every transaction and can justify where the money comes from ... I need help to get my money back is all I am asking. 
Please help

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 2022-08-14
Company: EQUIFAX, INC.
State: TX
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 have disputed the following accounts several times and Equifax has failed to delete or correct these following accounts. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, and XXXX  XXXX XXXX. XXXX XXXX was deleted by XXXX on my credit report but still remains reporting inaccurately on my Equifax credit report. These accounts including but not limited to XXXX XXXX  were disputed on the following dates. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX, XXXX, XXXX and XXXX of XXXX. Equifax has failed to maintain accuracy on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Fed loan servicing company was supposed to issue me a check in the remaining amount they owe me for my student loan reversal. They still owe me XXXX $ and said they were issuing me a check in XX/XX/2022. I have still not received this payment. When I call the number for the customer service it is no longer a working number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Santander Consumer USA Holdings Inc.
State: NC
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:
I had my car finance with Santander and recently had my car repossessed after attempting payments that were rejected. According to them they were having problems with the auto pay option I had chosen, and hadn't notified me that they were not receiving my payments after a year and a half of on time payment history. When my health starting declining I would inform someone from customer service that I would need an extension on my payment or payment plans to accommodate me until I would be able to get my health on track as well as showing medical documentation to proof my medical history. Recently, there's been lawsuits and settlement claims from plenty of other customer with similar history with Santander.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I deposited the ( CHECK from XXXX ) thru bank of america thru mobile deposit, suddenly after waiting for 5 business days, waiting for the check to be cleared, they told me the check is counterfeit and they gon na close my bank account for fraudulent action, its tottaly unacceptable and unfair, if its true that the check is real or not, how do i know? Literally ofcourse if somebody pays you a check, you gon na deposited to your acct, its not my fault to deposit a counterfeit check if its true, and i know the fraud department calls the check issuer to verify information of the check, so im so dissatisfied with the bank of americas action on just closing my account whatever reason they have, i just wan na return my account active coz i got salary from my jop thru bank of americas check

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2022-04-10
Company: CarMax, Inc.
State: NC
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:
Literally Done Called And Sent Letters They Just Continue To Update When I Authorize Nobody To Run My Credit Or Look At It.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
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:
There are errors talking place with this account. First one being that the arbitration agreement provided by XXXX XXXX XXXX XXXX XXXX was broken by them. Claims are supposed to go through arbitration, and the claims they made did not. Second one being that an adequate notice was not given by XXXX XXXX XXXX XXXX XXXX  XXXX according to 15 USCA 1602 ( k ). There have been more violations as well, but these have caused me mental Anguish, humiliation, and emotional distress. Equifax, XXXX, and XXXX are in violation as well by not following reasonable procedures made to guarantee maximum accuracy on my consumer credit report. I will have to move to arbitration if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I submitted a dispute letter to all XXXX bureaus disputing that XXXX XXXX XXXX XXXX XXXX is reporting a collection that has surpassed the statue of limitations and thus should be removed, however on XX/XX/XXXX my credit report was updated to reflect that this account will remain on my credit report. 

I am disputing the XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX vs. XXXX XXXX. 

Attached are the following documents to demonstrate that this account is well passed the Statues of Limitations. My last rent payment to XXXX XXXX XXXX, the landlord to XXXX XXXX XXXX, XXXX XXXX, CA XXXX, was XX/XX/XXXX. 

XXXX. Addendum XXXX : Request To XXXX XXXX For XXXX dated XX/XX/XXXX. Please refer to the highlighted section on page XXXX of XXXX. 

XXXX. Addendum XXXX : NOTICE THAT YOU HAVE BEEN SUED dated XX/XX/XXXX. Please refer to the highlighted section on page XXXX. 

XXXX. Addendum XXXX : After XXXX XXXX dated on XX/XX/XXXX. Please refer to the highlighted section on page XXXX of XXXX. 

Clearly the evidence shows the collection efforts commenced in XXXX, shortly after the last/final payment was made to the XXXX XXXX XXXX XXXX XXXX XXXX which ultimately sent this account to collections. 

According to XXXX. XXXX. XXXX. XXXX XXXX XXXX. seq. this account has passed the XXXX years Statutes of Limitations to collect such debt, and thus should be removed.

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 2017-12-05
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am refinanced XXXX student loans totaling $ XXXX in using XXXX, the loans were originally serviced by Navient. XXXX was excellent to work with and the application process was smooth, with a rate that is excellent. 

XXXX issued the funding payment. 

XXXX - The XXXX payment sent to Navient was applied to only XXXX of my XXXX loans, against instructions provided by XXXX to pay down all loans. This created a ~ $ XXXX positive balance on XXXX of my loans, and approximately $ XXXX outstanding balance on my remaining XXXX other loans. 

XXXX - Navient debited my bank account {$960.00} as usual for my monthly payments even though my cash position as a whole was positive with Navient ( the positive balance on my loan was greater than the negative balance on my other XXXX loans ). 

XXXX - the positive balance on my XXXX loan was reapplied across all outstanding loans. But I am being told it will take XXXX weeks for them to refund me the {$960.00} Navient debited on XXXX. I am out almost $ XXXX for a month now!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: SANTANDER HOLDINGS USA, INC.
State: GA
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 XX/XX/2021 I was shopping for a vehicle for my business and the dealer pull more than one hard inquiry on my report. My credit report was misused without my permission. I was under the assumption that only one hard inquiry would be used for my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: HUNTINGTON NATIONAL BANK, THE
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, I deposited a check from my utility company for {$6000.00} on the mobile app. I had a hard time these past couple of weeks because none of my appliances work and this caused me to spend more than I can afford, especially on food. Thereby, this is the reason why XXXXXXXX XXXX  company issued the check. 

When I'd uploaded the check on XX/XX/2023, I received a message that this check will be available in 1-2 business days, but that not accurate due to the processing time turned into 6 business days. After speaking with the XXXX XXXX, she indicated to call back when the department was open, and the verification department will process the check. When I called back, I was told otherwise. This is unprofessional service and I'd requesting my check be processed and overdraft fees waived. 

I had this account for 11 years and I never experienced this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On Friday, XX/XX/2022, I used Venmo to pay my son 's after school tutor. Her fee was {$75.00}. I accidentally entered {$7500.00}. As I tried to cancel the payment somehow I hit pay. There is no option to recall the money at Venmo even if there was a mistake. Venmo also charged me a {$220.00} fee for the transaction They then stated that I needed to have the person I paid send me the money back to me but then they would have to pay a {$220.00} fee. {$450.00} in fees for a simple, XXXX finger mistake. I called my credit card company and filled a chargeback dispute. They said they couldn't do anything until the charge hit my account but then it could take 75 days before the investigation would be complete and there's a chance I might not be reimbursed for the {$7500.00} and I would not likely get the {$220.00} transaction fee back. None of this seems legal or right. Please assist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I check my credit today and I discovered my transunion and my XXXX  had drop my trans  severely so I look to see what the problem was 1 there's a charge that has been on my credit since 2017 and it's listed several times on my credit 2nd they stated my credit drop because of my credit card use and said it was under XXXX left on it, this confused me because my credit card just sent a text message to my phone of available credit over XXXX, and my payments made on time in a pandemic not working I make my payments on time and my score was drop over 65 points on XXXX  and transunion 31 points this has been a constant problem then I'm offered these extremely high interest rates in anything I purchase, I make my payments on time my copay for medical is XXXX iv filed multiple complaints this has made me ineligible for decent credit for over 3 years I can not but a home because my credit score constantly drops because I'm paying my credit on time, this has become XXXX  and there is nothing that is done, I believe it is racial recrimination in credit reporting companies and minorities are left to higher interest rate no homes and a credit system that is allowed to continue, I check this with XXXX  XXXX  to day and I'm just XXXX  and angered

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 2023-03-09
Company: Experian Information Solutions Inc.
State: NY
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My information was stolen years ago due to that Equifax data breach. I need your help in requesting that the CRA 's block the fraudulent information listed on my reports. Thank you

Company response to consumer: Closed with explanation