BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-29
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My Suntrust Checking ccount was hacked on XX/XX/2019 and {$420.00} of my money stolen using a XXXX connected account. 

I want to open a case with local law enforcment, but I need a statement of fraudulent charges from SunTrust. 

They refuse to provide this list - Even though they have a case ( Fraud Claim # XXXX ) in progress. 

Than you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have accounts and inquiries on my credit report that I didn't apply for.

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 2023-09-03
Company: Exeter Finance Corp.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, XXXX & XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: Volunteer Mortgage Loan Servicing
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Requested mortgage assistance with my mortgage servicer. I was affected by XXXX. 
I have lost my employment 3 times because of the pandemic. I want to keep my home. 
the mortgage servicer has turn down my request 3 or more times for the forbearance or mortgage assistance. I have spoken with customer service a lot of times. I submitted application with my income with request for mortgage assistance XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Maximus Education, LLC dba Aidvantage
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
My loan is being serviced by aidvantage. The link on their website for deferment has been down for over a week. When attempting to apply through their online coroner portal, I receive an error message. 

I called a few times to discuss and ask for deferment assistance. I stressed that it was important to complete the deferment as soon as possible to avoid the upcoming XXXX payment since I am unemployed. I was told they would mail the application to me. The issue of the broken website was not escalated. 

I was also told that the operator could not assist me in completing the deferment over the phone. 

The operator also told me that I could download the form via a deferment link through the website. However, the form is not available. 

In a separate conversation with the servicer, I was told that the deferment paperwork would be sent directly to my inbox within 24-48 hours. This time has passed and I still have not received the paperwork. 

I need assistance to complete the deferment ASAP. I find it strange at a time when federal loan payments are beginning again after years that I can not quickly automate or have access to the deferment application. Id appreciate assistance in expediting this process. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Albert Corporation
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Albert banking sent me a text alert on XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating they were mailing me a new debit card when i didnt ask for XXXX. A representative locked my account for " security reasons '' when i already verified myself. I have not been helped in anyway. I just keep being told that my situation has been escalated. The representatives have been ignoring my text messages and emails. Its currently XXXX XXXX XXXX XXXX with no resolution and no access to my online accout or money. On XXXX XXXX XXXX I provided XXXX forms of id 's & photo of myself to the albert agents. They have not tried to resolve my issue in a timely manner. I am waiting access to the remaining money in my account and i want to close the albert bank account. I have never had an issue until XXXX XXXX. To be ignored and to have gone XXXX plus hours without access to my money is unacceptable. I still have not received any feedback as to when i will be able to access my account. Albert banking does not value their customers and need a phone line where customers can communicate with a real person via phone.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Global Lending Services LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Global lending is trying to collect a debt I do not owe. I have never done business with this company. I have never signed a contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, XXXX XXXX XXXX, am XXXX  and hold superior title and ownership over my name XXXX XXXX XXXX. I rebuke and reject Santander Consumer USAs promissory note and claim of ownership over my name XXXX XXXX XXXX. I command Santander Consumer USA with the account number XXXX to remove their debt immediately from my credit profile. I am XXXX  and the federal Fair Credit Reporting Act ( FCRA ) promotes the equity, whiteness, and fairness in order for the Santander Consumer USAs debt to be free from my credit profile. The attached documents is evidence I hold superior title and ownership over my name XXXX XXXX XXXX and that Santander Consumer USA has no standing at law against my superior title and ownership over my name XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02
Company: M1 Holdings Inc.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX XXXX, my M1 finance saving account has been hacked and {$63.00} XXXX are missing.When i contacted them, they did not seem very responsive nor helpful. I asked to talk to a supervisor and nobody was available.They sent me a form to fill and told me they will investigate.It has been more than 10 days and the funds have not been refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Experian Information Solutions 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:
In Accordance with the Fair Credit Act XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX All have 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 states a consumer reporting agency can not furnish an account without my written instructions. These Items have all been included in a police report as well as an identity theft 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 explanation
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 tried to dispute through the proper channel but with no satisfaction. Starting with certified mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX The credit bureau XXXX, XXXX, and TransUnion didn't address the reinvestigation policy and laws. The stamp of approval for the reinvestigation was not on the conclusion. The stamp is XXXX ( automatic credit dispute verification ) meaning when you send a dispute to the credit bureau electronically XXXX will get the dispute and send it out to the creditors being disputed. XXXX also stamps the dispute to the creditor. In return they have to verify 100 % of all information is correct. Without this stamp from XXXX, this investigation is illegal. 
My next phase of action is Pre-litigation for all infractions on my credit report. I am looking for a lawyer who can take on my case.

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 2018-03-08
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I noticed a purchase made on my XXXX XXXX XXXX XXXX credit card due to receiving an email stating my order had been shipped. I logged into my XXXX 's account and found a charge for {$260.00} for a XXXX XXXX XXXX XXXX XXXX. The order was placed on XX/XX/ and shipped to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX, phone number XXXX. I contacted XXXX 's and spoke with 4 different representatives who kept transferring me around the Fraud department. I was eventually placed on hold and waited 17 minutes and no one returned on the line before I disconnected. I called back and was directed to the Fraud department again. They explained that they would cancel the shipment and that I would not be refunded until they had the item back in hand. I explained that this was not fair, I did not place the order, and felt as if I was being punished due to a fraudulent charge placed on my account. I asked to speak with a supervisor and was placed on hold again, I waited 10 minutes and eventually disconnected, again. I called back, and spoke with a representative in the Fraud department who closed my account and explained I would need to fill out paperwork that was going to be mailed to me. The due date for my minimum payment is due XX/XX/ and I do not feel that I should be responsible for paying on this fraudulent charge. XXXX XXXX has been nearly impossible to work with, I have spent countless hours on the phone/hold with their departments to have nothing resolved. The shipment to XXXX XXXX was never stopped and did get delivered to him on XX/XX/.

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 2023-06-08
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2021-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am XXXX XXXX XXXX  XXXX. Ordered off line over phone a XXXX XXXX XXXX XXXX XXXX internet ad in XXXX XXXX Library read " Shooter Grade ''. Called XXXX and gave serial number. Was advised not to shoot XXXX XXXX XXXX recalled this XXXX, since had defective firing pin that could break and " slam fire '' and cause bodily injury. Logged out XXXX to local gunsmith for implied warrantee of merchantability or fitness. Filed dispute with Capital One pending. Spoke to store manager, wrote emails. XXXX. On XX/XX/XXXX received via certified mail a NOTICE OF BAN from different store manager of investigations and analytics to cease and desist from any form of communications with that retailer. Wrote to lawyer if my civil rights, ADA violated. ( 42-USC 1983 ). Called Capital One Mastercard today and agreed that card can be used on third party trandactions undet Regulation Z. Pay, charge ok Cap. One! Am XXXX and have registered XXXX XXXX XXXX. Please assit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX and Equifax needs to remove all negative remarks on my credit report. They have violated too many times. 
Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you verbally, written or non verbally per 15 usc 1602, 16 CFR 313, and Privacy act of 1974. Remove all negative reports on my credit report immediately.

Charge off is certificate of indebtedness and must be removed. CFPB has to enforce this act. I will need to be compensated for this which is {$1000.00} per violation as I have requested this to be removed in the past from credit report and still showing on there and I have been affected emotionally because of the stress this has caused me being denied for loans which I shall be compensated for as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The bank approved a very obvious fraudulent personal loan for {$35000.00}. They did not verify the address. The address they have on file is a fake address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: NJ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Acc # XXXX, XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX Account # XXXX XXXX Acc # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-05-12
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Simple Bank partnered with BBVA Compass USA had a transition on XX/XX/2021. Like thousands of other customers, I have been unable to gain access to my account, and customer service with BBVA USA has been unimaginably poor. Their phone system hangs up on customers, and the website continues to lock myself and others out after several password resets as the site says " for security reasons your account has been locked '' with no further explanation. As soon as I gain access to my account, I will be closing it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This problem began last year towards the end of XXXX. I saw my score drop almost XXXX points & knew something was wrong. Our mortgage company had falsely reported us missing a payment, so now I had an account in delinquency & for the first time ever : less than 100 % payment history. Immediately, we tried disputing this bc we knew it was incorrect. We got married last year, earlier in that same month, and we were actually ahead on our mortgage cause we paid more than we needed to that month or the month before ( just to be safe, since weddings can get expensive ). Neither the credit reporting agencies or our mortgage company have taken this error off my report since it happened, even though we have confirmed with our mortgage company that we didn't miss any payments & that our account is up to date. They've made this mistake multiple times since then, so much so, it now shows up as 3 missed/late payments. Since this happened last year, I've lost upwards of $ XXXX in credit card limits bc they would check my report, see the " delinquency '' and lower my limit, then my score would lower bc my utilization was higher ( due to the lower limit ) & when they'd check again routinely, they'd see lower score + " delinquency '' still & lower my limit AGAIN. I've been stuck in the financially debilitating cycle for over a year now & disputed time & time again thru XXXX XXXX with XXXX & equifax- no one will correct the errors. We have spoken to our mortgage company so many times now about this issue & I still can not understand why they won't correct their own error since our account is in good standing/we 're ahead on our loan/etc.

Company response to consumer: Closed with explanation