BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a dispute previously and it was supposed to take up to 30 days and it took 60. I never received the actions that were taken regarding my request for identity theft on my consumer report.

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 2021-04-27
Company: BAM Management US Holdings Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Binance US is playing with people 's money. In the middle of a PANDEMIC. There are hundreds of customers complaining about not being able to access their money, frozen funds, lost money, zero responses, and no help. This should be embarrassing for ANY company that is in decentralized finance. It's shameful. I'm having this experience right now with a verification process that has been going on for months, with funds frozen in my account that I can not withdraw due to a delayed verification process. 

I started the verification process XX/XX/XXXX. They claimed it would take up to 15 days to fully verify. For SOME reason, you can not trade anything or withdraw anything until your account is verified, BUT you CAN deposit into the Binance wallet. Assuming this was only going to take two weeks, I transfered 1k worth of XXXX into Binance. However, the verification process is still going on, and I do not have access to trade or withdraw my money. 

I have reached out on various occasions to the company. They don't have a number to call so it's only through support tickets. Zero responses. I was finally asked to submit documentation again, and I did, but still, zero responses. That was at the top of XXXX. I started to reach out to them on social media like XXXX and XXXX they blocked me on XXXX. 

I am not the only one experiencing this. Every XXXX  on their XXXX  account has replies from angry users not being able to access their money or account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: American Credit Acceptance, LLC
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
On or about XX/XX/2020 I applied to have my existing auto loan taken over by XXXX XXXX XXXX XXXX. XXXX advised me they'd be willing to refinance at a lower rate than the current lienholder-American Credit Acceptance-but required that I obtain a twenty ( 20 ) day payoff balance from A.C.A. I attempted to login to my A.C.A. account and was denied access. phone calls went unreturned. On XX/XX/2020 I sent a written request via XXXX 2nd day air ( tracking # XXXX ) that was received by XXXX at XXXX XXXX. on XX/XX/2020. The address sent to : American Credit Acceptance XXXX XXXX XXXX XXXX XXXX, SC XXXX is listed on their webpage as the facility dealing with titles. I advised them they had until XX/XX/2020 to respond. they haven't responded and XXXX closed my file with an 'adverse action ' report. It's my contention that American Credit Acceptance does not have clear title to the vehicle they've been collecting on and are in fact attempting to defraud me. I've never missed a payment-and chose to keep the vehicle while going through a chapter XXXX bankruptcy ( discharged XX/XX/2020 ). I'm a XXXX senior caring for my spouse who's in XXXX XXXX. If A.C.A. refuses to respond I'll block their payment access. My account # XXXX XXXX XXXX Recurring plan XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Experian Information Solutions Inc.
State: NJ
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:
Sent a dispute letter to experian, also called them on XXXX, asked them to reinvestigate a few inquiries and accounts on my credit report that arent mine. I reported these accounts as fraud in past, each time Experian reports them as verified. They also took 38 days to complete investigation, never mailed me the results, nor did they provide their source for the investigation. They claim I have a bankruptcy on my credit file, which isnt mine, they did not verify it with the court, they used a 3rd party agency. I request they remove all errors off my report that I have previously reported

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 2023-01-20
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: Old information reappears or never goes away

Complaint:
TransUnion still has XXXX former or non associated phone numbers on my report!

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 2018-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have disputed the late payments on account XXXX XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They failed to give me verification as to why they will not remove the account..The error has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2019-02-20
Company: AMERICAN EXPRESS COMPANY
State: MI
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 rewards from credit card

Complaint:
I have American Express platinum card and have XXXX points in my Membership Rewards account. But there is a problem with my account, when I try to transfer my XXXX points to Delta or XXXX, the system always shows an error : '' This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' And also I want to try to redeem for gifts card, the error message still show up. I call American Express, the first time they said need to wait 6-8 weeks to fix, but after 6-8 weeks, the problems still not fix, and I call the second time, the agent said write down the notes and sent to the department. I waited few days, but no call from American Express, and I called the third time, the agent said write down the notes and sent to department, and let me wait 3-5 Business days, but I still not received any call. 

And I have a delta skymiles card, I spend XXXX dollars to meet the welcome offers which is 10000 MQMs and 4000 miles. After the first statement, I didn't received any welcome offers to my delta account, I called American Express and the agent said 3 weeks will be post to my account. After 3 weeks, the welcome offers still not post to my account.I wait for the next statement day, there still no welcome offers post to my account. I called again yesterday and the agent said there is a some problems can not post to my account and sent to department and said will call back to me 3-5 Business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I did not authorize these companies to run my credit profile. I would like for a thorough investigation to be open.

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 2021-05-23
Company: EQUIFAX, INC.
State: IL
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 contacted the creditors who placed the inquiries and asked them to remove their credit inquiries from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no response from their offices. Since sending the letters more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into these inquiries on my credit report to determine who authorized the inquiries. If once your investigation is complete you find my allegation to be true, please remove the unauthorized inquiries from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiries referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Hello, I tried to cancel my PNC Bank checking account online and it wouldn't let me. I talked to a representative on the phone to ask them to close, and they refused to and said I had to come in to a branch to close it. This is unfair- they are trying to start charging me more and I just want to close my account without the hassle of trying to get to a physical bank. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Lafayette, Ayers & Whitlock, PLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX is who the debt is with. I have been dealing with them for a year and been in contact with XXXX XXXX from them. There weee issues with the account from day one because I signed up with XXXX XXXX and was not notified of XXXX until XXXX contacted me of making a payment to them. So once I worked out everything I had been making payments and been in contact with XXXX XXXX continuously. I was furloughed in XXXX and I let XXXX know in XXXX she did a deferred payment to be due XX/XX/XXXX. Luckily I returned to work and made the payment processed on XX/XX/XXXX. Yesterday XX/XX/XXXX I received a Civil Lawsuit from them owing more then the balance and now have about XXXX extra in fees. I was not notified of being sent to collections by them. XXXX never mentioned it at all until yesterday and was told them to contact them but my account is in good standing and she will let them know. This is complete chaios. Im not sure what I can do at this point or what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/18, just as I was about to buy dog food, I saw XXXX XXXX on my checking account in the amount of {$170.00}. I was told to wait until it posted on the account which usually takes two days. Today, XX/XX/18, I woke up just to see that all my TD Bank accounts were frozen and almost all of them has transaction starts with DDA on the statement and also triggered the overdraft protection fees. I was shocked because that is all the money that I got and I do not have enough to pay for dog food, rent, and other expenses. I called TD Bank customer service around noon and was told to step into the branch to resolve this issue. When I arrived at the bank, after fully verified my identity, a teller asked for my debit card and broke it in half right in front of me and other customers then repeatedly saying that I have too many charged off accounts that is why TD Bank is doing this to me. I told him that it would be nice to reach out to me first and ask if I will be ok without this money. What happened to the business ethics and human right? TD Bank will do just fine without my $ XXXX but what about me and my dogs? Do I have any right to know anything before the bank take actions that would impact my life? You guys kept saying it's in the user agreement that I signed when opening the accounts. In the afternoon, I called and spoke to a lady from the recovery department. After verified everything, we went over the charges and fees and explained step by step in order to resolve this issue. She told me that one of the accounts [ XXXX ] is still active but it is negative at the moment. I told her that I just got a new job a few days ago and will work to pay the balance little by little because I get paid daily. She told me to step into the branch as soon as that account is positive and she can remove the lock so I can get a new debit card. I forgot to tell her that last night I made a transfer from my job into the account ending in XXXX but I don't see it on the bank statement so I called back just to have her help me look into it and see if we could apply that to the account ending in XXXX instead to help me pay off the negative faster. The lady that answered the phone told me the whole different story. She said every charged off accounts must be pay in full in order to lift the restriction. I told her that TD Bank sold my debt to the collection agencies already but she said that was not the case but demand that everything must be pay in full otherwise there's nothing she can do on her end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I, XXXX XXXX, discovered my identity ( and my spouses ), was stolen after receiving mail from Wells Fargo ( WF ) with a debit card and checking accounts information. Two account were opened in my name with a mailing address for a residence I had not lived at in over 13 years. The account numbers end in XXXX and XXXX, the mailing address used is XXXX XXXX XXXX XXXX, XXXX. Thankfully the current home owner tracked me down and brought the mail to me. I contacted WFs fraud department immediately and learned these accounts were opened on-line without physical proof of identity. I have completed all the steps required by WF to prove these accounts were not opened by me ; including, meeting with local WF bank officer, Mr. XXXX XXXX, on XX/XX/XXXX. After providing Mr. XXXX with two forms of ID ( also a police report and my FTC complaint ) I was told the account would be closed immediately and any further correspondence would be sent to my correct address ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX ). 

As of XXXX, XXXX, it does not appear these accounts have been closed because statements, for accounts I did not open, continue to be sent to the INCORRECT ADDRESS. I have spoken to countless WF representatives on the phone, sent emails, letters, and spoke to the local representative serval times trying to resolve this matter to no avail. I am asking that these accounts be closed immediately and any additional correspondence be sent to my CORRECT address. I should not have to depend on, or burden the current homeowner on XXXX XXXX XXXX to deliver the never ending correspondence from WF.

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 2019-02-20
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I requested an IDR plan via studentloans.gov on XX/XX/XXXX, about a month before my first payment would be due to XXXX XXXX. They sent me a bill for {$310.00} and only billed me for my loans from undergraduate. I have new loans now because I just finished grad school in the summer of XX/XX/XXXX. I called them on XX/XX/XXXX to check in about why my IDR application hadn't been processed because I knew the payment they provided was too high. The person on the phone told me that the application hadn't been processed and I had to request forbearance to avoid making a payment so I requested a forbearance and now, 12 days later, it was never processed and there's no record that I requested as forbearance. I submitted a complaint through their ombuds and they told me that I never requested a one month forbearance on my original IDR application and they sent me a copy of a paper application ( I completed the application online ). I'm on the phone with them now and they're telling me that I need to pay a minimum of {$5.00} to switch my loans to an IDR plan and that my IDR application is done, yet my account still says I'm 12 days past due and that I owe them {$1300.00}. At no point have they contacted me to tell me my IDR application was approved, to tell me what my payments would be, to tell me what loans do or do not qualify. There is a " request summary '' on my account homepage that has a status bar that says they received my IDR request, but nothing further has been done. I'm on the phone now with XXXX # XXXX and he's telling my application has been processed, I just need to pay a {$5.00} min to get my loans switched over to a new plan. I'm so confused and angry because every time I call their customer service folks give me different answers. They don't know what they're talking about and then they don't follow through. There was a note on my account that said they weren't going to do the forbearance because my loans were in queue or something of that nature. He's now saying that the person tried to place the forbearance on all my loans instead of the ones I was originally billed for, which is why the forbearance never went through. I paid the {$5.00} minimum and the customer service person, XXXX, notated this on my account. I'm not sure why I had to pay {$5.00} for my request to be processed however.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a car loan with Ally Financial. We fell behind in our payments because my husband has been out of work for medical reasons. On XX/XX/XXXX I made a payment of {$350.00} via XXXX XXXX. On or about XX/XX/XXXX I went onto Ally 's website to make another payment. I selected the option for other amount and made a payment of {$350.00}. On XX/XX/XXXX I noticed my checking account was grossly overdrawn. I checked my account and discovered that Ally had attempted to withdraw {$1100.00} from my account. I immediately contacted Ally and the representative told me that Ally was attempting to bring my account current?? I told the representative that they could n't just pick any amount they wanted and attempt to withdraw that from my checking account, that was fraud. I then spoke to another representative who said I had authorized that amount. NO I DID NOT, I did n't have the funds necessary to cover that amount so why would I submit a payment for that amount? I asked to speak to someone at a higher level than the individual I was speaking to and was told there was no one. I asked to speak to someone at a corporate level, or a problem resolution team, and was told there was no one. I went on XXXX  and searched Ally and found a XXXX page and made a comment about what was happening. I received a call and was told that a representative from the corporate resolution team would call me by Monday ( today is Thursday, no call ). My bank returned the payment for insufficient funds. On XX/XX/XXXXI informed Ally that I was MAILING a payment in the amount of {$350.00} and instructed them to make no attempt to withdraw any money from my account. The representative stated that she noted my payment and that there would be no further attempts to withdraw any more funds. On XX/XX/XXXX I went to my bank to make a deposit and discovered my account was once again grossly over drawn. The teller informed me that Ally had AGAIN attempted to withdraw {$1100.00} from my account. My bank is returning the payment again for insufficient funds and I once again posted a comment on Ally XXXX page. I do n't know if I need to close my account to prevent Ally from repeatedly and fraudulently attempting to withdraw money from my 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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; Medical XXXX Balance : {$210.00} ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/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