BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I filed a complaint with Bank of America telling them that there was money stolen from me from my ex. I told them that I had known out of the car being activated and I didn't. I didn't receive the card. They deny my claim saying that the card was sent to my address and activated with my information. I don't deny this but I deny that it was me who did it. I think the police reports in the statement explaining to them that I was going through a XXXX XXXXXXXX relationship from the person I was with for 5 years and found out that he had been stealing from me the whole time and that he is the one who intercepted the card and activated it with my information and spend it. They denied it. I had a reconsidered this time I send policy supports and it's everyone mistake man telling them that here 's my proof of what I'm saying. They denied it again with the same reason because of his activated and came to my address that it had to be me or I had to have gave someone permission to do it and both of those are not true. So I'm trying to get help with it because that I had to reconsider for the third time but it let me to believe that when I sent the information in for the reconsideration that it was overlooked or not looked at because you denied it for the same exact reason. I sent you proof and telling you why it seems that what I did it but I don't think that might statement was red or my police reports were considered because how could you get that if I'm telling you that the guy iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and here cost to proof I had to messed up all this issues and may police reports about loss of property fraud things that he were stealing from me when I found out about that the stuff. So how could you not take that into consideration when I'm showing you a black and white? Here 's the proof of it. I also have two different protective orders from two different cities from two different judges for the same person I sent copies. One is from XXXX XXXX. The other is from XXXX XXXX XXXX. They were giving on the XX/XX/XXXX and XX/XX/XXXX of this year. Stating that they feel I need protection from him. Same person. Two different cities. Two different judges. Same outcome.

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 2020-12-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX Failed to validate account number XXXX per my request mailed on XX/XX/2020. 
Due to XXXX XXXX  failure to validate account number XXXX, I mailed a follow up letter on XX/XX/2020. 
On XX/XX/2020 I mailed XXXX  XXXX XXXX a letter demanding deletion of account XXXX due to two failure attempts for validation via Certified Mail Tracking Number XXXX which was received on XX/XX/2020. Return Receipt Tracking number XXXX. 
Due to XXXX XXXX XXXX failure to validate account XXXX twice, I demand the tradeline be deleted from my credit report immediately.

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: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid {$3000.00} on my balance on XX/XX/XXXX. The money was taken out ( deducted from my bank balance ) the next day. The amount came off of my credit card balance two days later, but did not get added to my available credit. I called, and they told me it would not be available until XX/XX/XXXX. I have been doing this for YEARS and it has never taken longer than a couple of days, and often it happened immediately. I had planned on using this card ( it is a Cashback MasterCard ) to pay several bills, including an arrearage on XXXX that had to be paid by today, XX/XX/XXXX or my coverage will be cancelled. Now I am going to lose XXXX, which, when reinstated, will cost me a lifetime penalty added to my premium. I also have utility bills ( that I have been paying with this card for years ) that are due before XX/XX/XXXX. 

I have been noticing many problems with bank transfers taking an inordinate amount of time to complete lately, but this does not seem to be that. They RECEIVED the money. They took it off my balance. I don't understand why they aren't adding it to my available credit. 

If I had known they were going to do that, I wouldn't have paid the second payment ( I paid {$1000.00} the day before, and it was credited IMMEDIATELY, I paid the extra {$3000.00} specifically for the XXXX payment ), and paid my bills directly from my bank account instead. I was not warned that this would happen, and I can't find anything in the terms and conditions that mentions it, so I believe I have been treated unfairly.

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 2023-02-12
Company: BMW Financial Services NA, LLC
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Due to repeated and sustained miscommunication between BMW and their third party titling office, I have been unable to drive my car since XX/XX/XXXX. I moved from XXXX XXXX XXXX and sought BMW 's assistance in acquiring the Security Interest Filing form from XXXX Department of Motor Vehicles  to the XXXX Department of Motor VehiclesXXXX I obtained temporary license plates from DC, pending the Securing Interest Filing form. These temporary plates expired on XX/XX/XXXX, and DC will not issue another set of temporary plates to me unless BMW accepts fault for the delay thus the car can not be driven. Actions taken on my part : Called BMW Financial Services : XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX for a total of XXXX minutes. This represents 5 hours 31 minutes of lost wages. BMW Financial Services would put me on hold to communicate with the third party titling office, each time giving me a different answer ( 12/13 title had been received, 13 title had not been received, 1/6 title had been received but the form sent via email was " cut off '', XXXX title received and form received but could not send title to po boXXXX XXXX XXXX would not send title because I had received all of the documents I needed already in my move pack, XXXX  would request electronic title again from XXXX DMVXXXX XXXX  " there has been an error, we can not explain it, there is no estimated resolution '' ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Nelnet, Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I took out student loans in XX/XX/XXXX. Nelnet serviced these loans. 

In XX/XX/XXXX, Nelnet declined to continue servicing Department of Education loans. Nelnet therefore closed my accounts and transferred my balance to XXXX, the Department of Education 's new loan servicer. 

I paid off XXXX in full in XX/XX/XXXX. XXXX accurately reports that I have {$0.00} balance with XXXX. However, XXXX inaccurately reports that I have a XXXX XXXXXXXX balance with Nelnet. This is false ; as stated, Nelnet closed my account and transferred my balance ( see page XXXX of the attached XXXX XX/XX/XXXX loan letter from Nelnet proving I have {$0.00} balance ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
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:
XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX RE : 3 Credit Bureau Accounts and XXXX, Transunion, XXXX Source XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX This letter is being sent to you in response to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC1692g Sec 809 ( b ) that your claim is disputed, and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligations to pay you. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with any copies of any papers that show I agreed to pay you what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you if your offices have reported invalidated information to any of the 3 major Credit Bureaus. ( XXXX, Transunion, XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent. I will not hesitate to bring legal action against you for the following. 
Violation of the Fair Credit Reporting Act. 
Violation of the Fair Debt Collection Practices Act. 
Defamation of Character. 
If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time ALL Collection activities must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for a suit. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX account was opened with my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Spoke with Chase Bank they have put a stop on the application submitted and is in process of sending forms to report the fraud. I have notified the Credit Bureau and am requesting a credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: Block, Inc.
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:
I noticed 3 unauthorized ATM withdrawals on my debit card adding up to over {$800.00}. I disputed the charges to the company, stating that I noticed my card was missing. The company refused to refund the charges because a card was present for the transactions, even though the card was no longer in my possession. I requested the bank get my the information of what exact store code the card was used at so I could contact the specific store to get video footage, they also declined. They refused to work with me further on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: RI
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:
XXXX XX/XX/XXXX /XXXX XX/XX/XXXX /XXXX XXXX XX/XX/XXXX./XXXX XX/XX/XXXX /XXXX XX/XX/XXXX /XXXXXX/XX/XXXX /XXXX XX/XX/XXXX /XXXX XX/XX/XXXX /XXXX XX/XX/XXXX /XXXX XX/XX/XXXX /XXXX XX/XX/XXXX /XXXX XX/XX/XXXX /XXXX  XX/XX/XXXX /XXXX XX/XX/XXXX /XXXX XX/XX/XXXX /XXXX XX/XX/XXXX all these inquires are from auto dealers i did not authorized please help thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
I had gotten repossessed on XXXX and paid it XX/XX/XXXX and the finance didnt let me get the car until XXXX because they said i needed to pay what i owed and i said i had already paid and i was told i wasnt able to get the car until i was up to date so i provided a copy of the reciept which was for XXXX the last agent i spoke to before picking up the car on XX/XX/XXXX told me my payment would be XX/XX/XXXX so that i can get caught up and straighten everything out since i had lost my job due to the repo when i got the car it was all damaged scratched wheel was missing and the battery was swaped i had to pay for all that because i couldnt drive it all the way to XXXX since it was 2 1/2 hours away i wasted XXXX just on the battery but i paid it because i wanted to have everything right before my payment date which was XX/XX/XXXX on XX/XX/XXXX i wake up to no car i was shooked because noteven a month ago i had gotten it back from repo and its repossessed again i had bearly started working and i have XXXX XXXX XXXX going to school as you can imagine how hard it was i called westlake financial and they said they had no clue to call the police because its been stolen i was told there was no repo order for my car. So then i findout they do have it and the agent i spoke to laughed at me and yelled at me and said i was a liar because i was lying that i had bearly gotten my car on XXXX i told him i had documents of the date i signed the release and he just hunguo on me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Nelnet, Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Someone is using my social security number, name, date of birth to open an account. I'm a victim of identity fraud also recorded on FTC. They are also calling betraying to me the account holder to all of my creditors and closing my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2023, I sent a certified letter to the credit bureaus asking then to verify every piece of information reporting on my report to make sure everything was 100 % accurate. I have been waiting over 30 days for an update. During this process I received a letter in the mail XX/XX/2023, from an unknown debt agency attempting to collect on an alleged debt. These debt collectors XXXX XXXX XXXX, and XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under15USC1681. 

When I sent a letter to XXXX XXXX XXXX asking them show me where I owe them a debt they then sold this alleged debt to XXXX XXXX XXXX without my knowledge, and so did XXXX XXXX XXXX 

See the attached letters

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-14
Company: Access Capital Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid every thing I do n't owe nothing

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 2017-02-03
Company: Riverwalk Financial CORPORATION
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Complaint against ; Riverwalk Debt Solutions XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX AND XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX REFERENCE # : XXXX TOTAL BALANCE : {$680.00} Dear Sir/Madam, I had a student loan in default and Riverwalk Debt Solutions contacted me that they could help me refinance it. I agreed and the terms were that I pay a monthly fee of about {$120.00} for a period of nine months and they would help me pay a minimal fee which was income-based. I made about XXXX payments and could n't afford it anymore because I was n't working. During the remaining months, I received no correspondence from them afterwards and the loan refinance was never started. A couple of months later, XXXX decided to help me refinance, which they were able to and I stuck with them. 
Now I have a bill from XXXX XXXX XXXX that I still owe Riverwalk Debt Solutions for the remaining months that I did n't pay before they started. Their argument is that even though they were not able to help me refinance my student, I still owe them because it was a contract. I feel scammed now and would need some form of assistance about how to deal with it. 
Thanks and looking forward to hearing from your office. 
Yours truly,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief