BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: AMERICAN EXPRESS COMPANY
State: MS
Product: Credit 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:
Amex offering for credit card sign-up is a scam : They only provide XXXX miles, not XXXX Bonus Miles Websites Statement when signing-up : You can earn XXXX bonus miles after you make {$2000.00} or more ( the " Threshold Amount '' ) in eligible purchases on your Delta SkyMiles Gold American Express Card within your first 6 months of Card Membership starting from the date that your account is opened. Miles will be credited to your account 8-12 weeks after you reach the Threshold Amount. Bonus Miles may appear on your account in more than one deposit. To receive the XXXX bonus miles, your Card account must not be canceled or past due at the time of fulfillment. Eligible purchases can be made by the Basic Card Member and any Additional Card Members on a single Card account. Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases to meet the spend requirement do NOT include fees or interest charges, cash advances, purchases of traveler 's checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or purchases of any cash equivalents. Additional Card Members on your account are not eligible for their own offer.

You can earn XXXX bonus miles after you spend {$2000.00} or more on eligible purchases on your Card within your first 6 months of Card Membership starting from the date that your account is opened. In rare instances, your period to spend {$2000.00} may be shorter than 6 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 6 month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. ( For example, if you buy goods online, the purchase date may be the date the goods are shipped ). This offer is not transferable. If your application is not received by XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Years ago approximately XXXX or so I began having problem paying my loan and was steered by Sallie Mae now Navient to apply for forbearances and was never told about different payment options. I am almost 60 and  still paying interest on loans from XXXX that initially only {$25000.00}. I was mislead and steered to a debt that I cant get out of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have written dispute letters to Transunion on many occasions disputing the following items 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  for the following violations : 15 U.S. Code 1681i ; 15 U.S. Code 1681c2 ( a ) ; 15 U.S. Code 1681s2 ; 15 U.S. Code 1681a ( 2 ) ( i ) ; 15 U.S. Code 6801 ; 15 U.S. Code 6802. I have physical and digital proof that via USPS that the letters were left with an agent of Transunion. I never received a response or proof that an investigation took place, which is grounds for removal. The procedures in case of disputed accuracy was not followed. I wrote to the CFPB to file a complaint. I typed out specifically, in great detail what occurred, and which U.S. Codes that were violated by Transunion and the companies furnishing the disputed information. NONE of my matters were addressed. A representative from the CFPB responded to me in writing stating the following : " Below includes the results of that investigation. XXXX XXXX; XXXX ; XXXX XXXX XXXX AS REPORTED ; XXXX XXXX; XXXX XXXX XXXX  '' Why did no one address any of the violations? Why did no one address my right to privacy being violated? Why did no one address that I never opted into reporting ; no consent = identity theft! IWhy did no one address the fact that I requested original contracts and disclosure forms ( which are to be " clear and conspicuous ), and never received them! How am I to believe anything that is being reported? How do I know the accuracy of the amounts are correct. etc? I can keep going. Nonetheless, I sat and waited 60 days for that extremely LAZY response above from the CFPB. YOU, the CFPB is the supervising authority over the CRA 's, yet, you are not enforcing any laws! I also stated that I do not consent to XXXX  and I am 100 % sure that was used to handle my complaint. If XXXX was not used, please have Transunion provide me the name of the company they contacted, if they contacted them via mail or phone, the date and time they contacted the companies, the person they spoke with, etc, so I can follow up with these individuals.

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 2022-08-08
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
For over 5 years, I have attempted to get this loan cancelled under the medical technician provision. Of all the requests, only 2 were actually applied to my account, when I qualified for the entire amount to be cancelled ( 5 years worth ) - an email is attached showing a cancellation was in place in 2019. 

I have been unemployed for several months and was recently notified of the loan being transferred to collections. On XX/XX/XXXX, I uploaded the deferment form ( before the loan was sent to collections ), on XX/XX/XXXX, I was notified my loan went to collections and on XX/XX/XXXX, I was notified my deferment was denied because my loan was in collections. When I uploaded the request on XX/XX/XXXX, my loan was NOT in collections. I need the deferment to be applied so I can get the cancellation requests done AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Non payment by Wells Fargo Bank of a {$2500.00} bonus for opening a Premier checking account for at least {$250000.00}, and maintaining for at least 90 days.

See advertised offer below 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 explanation
Consumer complaint received 2020-06-08
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I was scammed on Zelle. I was trying to rent an apartment off of XXXX. I sent a payment through Zelle to hold the apartment. An agreement was signed stating that if for any reason I wanted my money back before moving in they would return my money. After I had sent money I found another place I liked better, I asked for my money back and didnt get it back. I contacted XXXX XXXX which is who I bank with and Zelle which is where I sent the money from both parties pretty much told me well we cant help you that you were scammed to bad. This is such bad business and Zelle and XXXX XXXX should protect their customers against fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: WELLS FARGO & COMPANY
State: MN
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:
XX/XX/XXXX I sent check # XXXX for the amount of {$1800.00} to Wells Fargo Bank to pay off loan on a vehicle traded in to my auto dealership. The check cleared my account on XX/XX/XXXX. Letter and bill of sale were sent with the check as per Wels Fargo instructions. Numerous calls and still no title. The Office of president title team told me they have 6 weeks to process and mail it out. I legally have 10 days to produce a title. How can the bank be allowed to hold a title that long? Even if this is true it has been much longer. We have even faxed over bill of sale 2 more times after phone conversations on XX/XX/XXXX and XX/XX/XXXX. 1st # we were calling was XXXX. Last one was Office of the President XXXX. I do not have the customers loan # and Wells Fargo states they can't give it to me. The customer information is on bill of sale and letter attached to this complaint.

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 2023-04-21
Company: Experian Information Solutions Inc.
State: NY
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE 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 explanation
Consumer complaint received 2020-06-08
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I am currently trying to link my checking account at PNC to my XXXX stock account so I can use as an investment and I received a screenshot that said " PNC has made a change that prevents you from being able to link your accounts '' and suggested that I file a complaint in order to get that fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
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: Their investigation did not fix an error on your report

Complaint:
I have formally requested that XXXX XXXX XXXX XXXX  validate all trade line listings they have submitted to the three major credit reporting agencies. Due to possible in accuracies in these reports I demanded that the validation requested be in the form of a verified statement by a person with original knowledge of the debt who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer product, was not utilized as a profit loss tax deduction during the period it may have been payable, and was not claimed as a loss with and insuring entity during the period it may have been payable. I have requested competent evidence that I have some contractual obligation in relation to this trade line. 

I have not received such evidence which constitutes a breach of my civil rights, thus these items must be removed. At this moment in history, I refuse to have my civil rights taken away from me as I watch what is happening to people of my race in this country who have not only been vastly affected by this pandemic economically, but who have also had their civil rights disregarded by those in authority.

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 2023-12-16
Company: Experian Information Solutions Inc.
State: GA
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:
Notice of Dispute Regarding inaccurate report of tradeline Account And Deceptive Status Stating a Private Account was Late ( XXXX, XXXX, XXXX, XXXX ) Those Dates are Fraudulent and Wrong! The Experience was Private to the Household members. I Didn't give ( Experian, XXXX, XXXX ) Access to have this Private Information that I didn't give Written Authorization Nor do I Consent to Defaming my Character Block and Remove The Tradeline from my Credit File @ Experian, XXXX And XXXX 15 U.S. Code 1681n - Civil liability for willful noncompliance

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I, XXXX XXXX, never gave TransUnion any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
As a consumer, I am demanding a deletion of the following account : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX NO Name Provided ACCOUNT NUMBER : 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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into 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 2023-03-03
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I write to dispute the status of my XXXX XXXX XXXX XXXX XXXX credit card account which has been Closed BY Consumer requiring instantaneous and prompt mid cycle reporting as Closed By Consumer using the Metro 2 protocols for reporting Closed accounts. Since the account is inaccurately reported as OPEN, kindly investigate so that the account may be accurately reported as Closed By Consumer to avoid willful violations of the FCRA carrying {$1000.00} in statutory damages. Please send me an updated credit report by USPS upon completion of your investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
" CCS '' XXXX XXXX XXXX comes up in my credit report for a fee owed of {$130.00} for XXXX XXXX XXXX XXXX when I left at the end of my policy ( paid up ) and went with another insurance company. I wrote to CCS in a letter dated XX/XX/2018 advising to provide validation of said debt but never received anything back. This is still on my credit report and I would like it resolved/removed as soon as possible.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-04-16
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I called citibank several times to get an update on XXXX wire transfers that were fraudulently sent from my account. A scammer got a hold of my citibank information and had completely wiped my account. I called XXXX wire transfer department 6 times to get a hold of a supervisor to get a update on my account because a case was opened and I had filed a police report with my local sheriff 's department and also with the FBI. On XX/XX/2021 XXXX wires were sent in the amount of {$1500.00} and another for {$1900.00}. I disputed them and told them I did not give my password or ID to the scammer to get my information. They sent XXXX wires to a XXXX XXXX XXXX bank account. I tried several times to call with long wait times of over an hour long, then it would tell me the department was close and to call back and it would hang up on me. The department was open until XXXX XXXX XXXX so it was a XXXX hour difference for me but I always called in the morning and early afternoon to ensure I could get a hold of them. This is my last resort. I am incredibly angry and frustrated with this bank who has been nothing but a pain. I called citibank several times and XXXX person even refused to get me a supervisor when I asked. I have been banking with them for several years and this is how I am treated. The service of citibank has gotten very bad that it is forcing me to leave citibank and seek out another bank. 

On XX/XX/2021 I went to a local branch and I was forced to open another new account with citibank since this one was compromised. but then I had to close it because the citibank branch was demanding a utility bill such as a water and sewage bill or an electric bill to verify an address. I don't use my home address do to mail issues at my home either with wrong mail coming to my home or someone stealing it. So I usually use a XXXX XXXX and they stated I can't use it to verify. So I stated all I have is a cable bill that has both addresses on it. They stated that it was not sufficient and could not use it cause it was not on their " list '' of approved documents. So I was told that my new account would be blocked by the end of the day due to not having a document from their approved list. I was so angry and was forced to go back to the bank and withdraw them money and close my new 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 explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
There are Inquiries that are reflecting on my credit report that I have not authorized.

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