BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 didnt give consent to furnish my personal information regarding my open credit plan. Ive been violated and harassed about information I deem private. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/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 explanation
Consumer complaint received 2018-01-28
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My wallet was dumped on XXXX XXXX, Florida, and my debit card, credit cards, and ID were stolen. Fraudulent charges showed up on my debit card, which I disputed with my bank, Navy Federal Credit Union. XXXX credited my account but then denied my fraud claim and refuse to explain why. They also took the money out if my account and charge my account fees for negative balance. I am not responsible for fraud, especially since I reported it immediately after it happened. They refused to do anything with my account, my debit card, or fraudulent charges until the charges went through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-26
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2018, I paid for a wire transfer to another person in Texas by Western Union at XXXX in XXXX XXXX, Texas for {$500.00}. I did this in person at the location hoping to get some funds to my granddaughter 's family - that needed prescriptions, fuel, and groceries through the end of the year. 

After must consternation with the company 's customer service I found out on XX/XX/2018 that the wire wasn't sent, but refunded without notifying me. 

On XX/XX/2018, I had to go again in person to one of their agents to get the amount refunded - still with no explanation, but that WU can not do business with the person. That seems like a classic case of discrimination. 

In my opinion, the WU organization has very, very poor customer service, as well as not performing what I asked them to do. And no explanation of why not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: PREFERRED CREDIT INC
State: UT
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:
On XX/XX/XXXX I call Preferred Credit to pay off my remaining loan balance early. It was listed on my credit report owing {$170.00}. I call and advise I wanted to pay it off. I was told I couldn't and would have to allow my payment due on XX/XX/XXXX to process and then I could call after and make the payment to pay it off. This did not make sense to me, so I question a supervisor who approved the payoff to be completed on XX/XX/XXXX I was advised that to payoff the balance I would need to pay {$170.00}. I provided my bank information and a payment of {$170.00} cleared my bank on XX/XX/XXXX. On the evening on XX/XX/XXXX I received a notice of my credit score changes. When reviewing the changes I notice I was still being reported of a {$2.00} balance with a minimum payment of {$5.00} being due. I called the automated system and it stated I had a payment due on XX/XX/XXXX. I questioned a representative about this and she stated I was given an incorrect pay off amount. I told her that is not my fault that it was wrong because they did not process the payment until 4 days after I authorized the payment. I asked for a supervisor and the supervisor refused to take the call. I then stated that for the small amount of {$3.00} that they say I owe in order to fully payoff the loan, to satisfy the issue and correct the error on there behalf they should adjust the balance to {$0.00}. They refused. To be done with the company I gave my payment information again and was told the payoff balance was {$3.00}. When the agent went to submit my payment on XX/XX/XXXX she stated that I only need to pay {$2.00} and they would process the payment that day. Then she stated the payment will process on XX/XX/XXXX. She assured me the payment will pay the account in full this time. I would expect a company that provides a payoff amount to take that payment as payment in full. Due to the error on the company behalf the small balance should have been adjusted and an apology provided. Instead I am told I have to pay the amount and didn't even get an apology of any kind for a company error. For working for a XXXX   XXXX  myself I am truly disappointed with the customer service provided and would hope that Preferred Credit gets it together and stops XXXX people over. I would have never known I owed anything if it wasn't for a credit monitoring alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: ALLY FINANCIAL 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:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

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 2018-01-28
Company: Navient Solutions, LLC.
State: SC
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:
Loans serviced by Navient are now handled by XXXX XXXX XXXX. XXXX has aggressively attacked me at home, work, through neighbors and people I have not had contact with in over 10 yrs. It's impossible to navigate their system in order to provide fair servicing in order to get my loans out of default. My loans are now over {$110000.00} directly related to fees making my loans more than double to originating amount. I have a 4 yr  XXXX degree that is costing far more than my salary. I refuse to work with XXXX and would like to know what my options are. I understand this company has been sued in the past for unfair practices and I would like to join any current petitions or suits filed against them related to handling of student loans.

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 2018-01-28
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient has decided to send all communication to me electronically in an attempt to steal from me and put me in default. I told them I want all communications to be in writing and to not contact me via email in any way. Navient is also miscalculating the amount due on my loan. The last statement is incorrect. 

Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : The status is incorrect for the following account 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 2021-06-07
Company: EQUIFAX, 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:
EQUIFAX IS NOT HELPING ME AT ALL EQUIFAX INDICATES THEY CANT DO A PERSONAL DISPUTES CONFIRMATION # XXXX RESEARCH NUMBER

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello, I am not sure if I am submitting this into the right section, but I am hoping so. I made a transaction on XXXX with a XXXX  seller. She claimed to have tickets to a XXXX game, two for {$350.00}. I paid her and two minutes later she claimed it didnt process. I checked and it showed she received the money and it was taken out of my account. I told her this and she tried to claim I still needed to pay her again. I said I was not comfortable and wanted my money back. The money is still out of my account and into hers. Both XXXX and my bank, Wells Fargo, are not being of much help with anything as of now. I have involved the police, and we are trying to further investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Have court order stating these are not My debts. Have sent to all three age cues multiple times with them always saying its complete and accurate and will remain. Several accounts opened in Wisconsin under my name, with an identity theft report on my social security. They still allow these on my credit ; even though Ive never lived in Wisconsin, and have proved these are not my accounts.

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 2018-06-07
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the following fraudulent inquiries about a month ago, however, the credit agencies updated my report as verified. In accordance with the FCRA, a company must provide physical documentation in order for the up date to be valid. And I never once received any type of physical documentation, therefore the inquires in dispute should be permanently removed and them inquires are, XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: U.S. BANCORP
State: WA
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 customer service

Complaint:
I need the transaction history records for my Fidelity Visa credit card going back five years from now ( i.e., to XXXX, XXXX ). This credit card is currently controlled by Elan Financial Services who took control of the card from XXXX  XXXX XXXX in XXXX, XXXX. Elan has provided me with my transaction records going back to XXXX. Elan has repeatedly told me by phone and by the attached fax that they can not provide me with records prior to XXXX, XXXX. Elan suggested that I get the records from XXXX XXXX  XXXX ; however, XXXX   XXXX XXXX has repeatedly told me by phone that these records were given to Elan Financial Services when they took over the card. Does changing control of a credit card from one company to another render prior transaction history inaccessible to customers?

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 2018-12-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I had a couple of security issues surrounding the house I've lived in for over 25 years recently. So I decided to get security cameras. I had a email from this company so I responded and spoke to a lady who quoted me a price of XXXX dollars for this system. It included so I thought the front and back door camera 's. After the installation they gave you 3 days to cancel, but there was no reason to cancel it was working well. Then I finally got the bill about 30 days later and it was for over 800.00. I was floored. When I called the company they told me that some one would get back to me, no one ever did. The finance company said they went on what XXXX told them and they submitted 800+. When I spoke to someone at XXXX he stated XXXX was for the kit which I thought I was getting, but that I had an extra camera added. The front door camera. I explained to the that this was not within my budget and no one every told be anything about an extra camera I had to pay for or I would have told them to forget it. He told me that I would have to speak to someone in management who would listen to the initial call to see what was said. No one ever contacted me back so I called again. This time I spoke to a very rude lady. I explained that at the time of the sale, I asked the sales person what was better about her company and why I should go with them instead of another company that didn't require any out of pocket for cameras or installation. She was just a very nice person who seemed to be very concerned about my safety, that's how they got me. She told me they had better cameras and she was very comforting. I thought she was trying to help me, I was so concerned about what was going on around my house, that was really all I could think of. The only money this lady spoke of was XXXX. She never told me anything about 800+ dollars, she did say I would get a free camera. I feel like I was baited and switched. When I called again they told me that someone would get back to me with the voice recording of the sales pitch, but no one ever has. They are billing me XXXX a month for this 800.00+ for this equipment. I called today to get the pay off balance and to see where to send the check and they told me there is no place to send the check you have to do it on line. That was it for me. I'm not going to pay them XXXX a month for the rest of my life for this XXXX equipment I'll pay them off, but I just want to know has anybody else had this experience with this company and what if anything can I do. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX ; I advised my mortgage company. that I was reviewing my XX/XX/XXXX escrow account online and advised them that they did not have my new insurance rate for the year. They had updated tax rate and even showed what my new payment would be starting XX/XX/XXXX and I was the one advising them of the new insurance rate. 
When I was transferred to the tax dept. and the new rate was put in which Went from {$680.00} per year to {$720.00} per year ; which is only a {$41.00} difference ; the new escrow was refigured and instead of charging me an increase in escrow of {$41.00} ; they were calculating a {$89.00} yearly increase. I asked why and they said that is to take care of projected increase for XX/XX/XXXX. 
I was tired of trying to explain that we are dealing with XX/XX/XXXX escrow and not XX/XX/XXXX. 
I have had problems in the past with this bank as they do not keep up with the tax and insurance information. 
They are very hard to communicate with as their employees have very little English skills. 
Please advise how I can get this corrected. 
Thank 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 2021-11-10
Company: EdFinancial Services
State: GA
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:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received three letters from XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX, XXXX, KS XXXX ) that claim I have a {$1400.00} debt from CashNet. I also have had several telephone calls from XXXX XXXX XXXX. 

On XX/XX/XXXX I sent a letter to XXXX saying that I had no such debt and have never had any dealings with CashNet. 

On XX/XX/XXXX XXXX XXXX XXXX sent me a form letter that says they are enclosing copies of information I requested. I did not request information. The information XXXX sent is a CashNet loan form with my name on it ( incorrect telephone number ), allegedly signed on XX/XX/XXXX ( but with no physical signature ). The IP address that I allegedly signed from is in XXXX, AZ. I was not in XXXX, AZ on XX/XX/XXXX and have never had any contact with it. 

I have checked with the credit reporting companies and can confirm that there is no such debt on any of my credit reports.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi There is a company trying to charge me {$13000.00} for an apartment lease that i was only in the apartment for 2 months the rent was {$1300.00} i had to break the lease and was paying the rent on past month as well as let them keep security deposit. They tried to make me pay an extra 2 months of rent and i was advised not to. They sent it to collections and charging me for the entire lease at XXXX and it went up over the past 2-3 years to XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2021 I went to bank of America located at XXXX XXXX XXXX XXXX FL XXXX with a bank of America issued check in my name provided all necessary documents for check and identifications clerk looked at check and immediately gave it back and immediately denied cashing it spoke to manager manager did the same thing looked at check and immediately denied their own bank issue check to me I searched their policies on cashing checks limits and check cashing fees on their website nothing stated their was a limit just said if your a non account holder there will be a {$8.00} charge per check no matter how big or small the check is unless under {$50.00} their would be no charge I believe they discriminated against me due to the fact I have tattoos everywhere they treated me as if it was a fraudulent check the teller and the manager didn't even bother to verify the check to see if it was real and basically asked me to leave that they weren't going to help me especially after I looked up their policies to make sure I wouldn't have a problem cashing the check there's no policies for that bank that states there's a policy on how much you can cash I need this to be dealt with I want to file a suit for discrimination

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 2018-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 am a victim of identity theft, the 3 major credit bureaus have broken fcra 605 ( b ) laws by leaving on accounts/public records on my credit report after i've sent them all the stated necessary documents & ftc police report deeming them as fraud due to i.d theft.

Each bureau has stated over phone with me that they've received and processed the documents but are still " under investigation '' beyond the four business days of receipt stated in the fcra 605 ( b ) law. I should not be held to credit disparity due to a identity thieve. These 4 fraud items i have listed in my police report should have already been BLOCKED!

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