BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-11
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL
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:
Credit Report with XXXX / XXXX show 90 days late payments for XXXX University student loan. Information was provided by XXXX student loan servicing XXXX university student loans. The period reported as late payments was XX/XX/XXXX / XX/XX/XXXX/ XX/XX/XXXX. During this period I was pursuing my Doctor at @ XXXX XXXX XXXX XXXX. I will XXXX in XXXX 2017. Deferment has been requested from XXXX University. To avoid accumulation of interest on my student loans, I have been able making some payments despite being in deferment. This has ruined my ability to buy a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: The Receivable Management Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This number repeatedly calls - if I miss a call, they hang up and immediately call back. For example, today at XXXX - XXXX I received 4 consecutive calls, the last one leaving a voicemail.

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 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05
Company: Westlake Services, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I've been trying to solve it with them, previously I had financial difficulties before I called West lake Financial Services and was told that my account is eligible for a 1 moth brake in payments every 4 months of consecutive payments, these people are giving me a hard time and besides penalized me an additional {$33.00} on the top of already very high balance with extremely high interest rate, they are ridiculous, I've contacted them on a XX/XX/XXXX to let them know that I will need a brake this month but they seem not to understand, I believe they have difficulties understanding English and what I'm trying to ask for, please make sure they report my account accordingly, very disappointing! They added penalty when I let them know ahead of time that I'm taking brake this month due to my financial circumstances. Please make sure these people do their job right not telling me on the phone " I don't know whom you spoke to before but ... ... '' This is horrible customer service experience!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been with Bank of America for 30 years plus. I deposited my paycheck on Monday, XX/XX/2019 as I have done every other week for the last 20 years at about the same amount of {$840.00}. They have put a partial hold overnight before which I can understand. My account was low but not overdrawn. They put a " 7 day hold '' on it which means a nine day hold as there will always be a weekend in a 7 day hold. I am living paycheck to paycheck. I'm XXXX and don't have any other options. My account gets low but I thought that was the reason you deposited a check. I'm desperate with no money and many bills to pay. I checked with the issuing bank to try and stop the payment but the check already cleared. I have a copy of that from XXXX XXXX which I don't think is an exotic bank. They have my money and I can't do a thing about it. After contacting their customer service department which was a joke because there was no service at all, I was told that they would not let me talk to anyone else. I went to the branch, no service at all. I contacted another B of A bank manager and they said their hands are tied. So I called my congressman and they said it's legal. After 30+ years they can change their policy and hold on to my money? Is this something I will have to worry about with every deposit? We are getting 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 2017-12-28
Company: Experian Information Solutions Inc.
State: GA
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:
To Whomever This May Concern : My name is XXXX XXXX XXXX. I am reaching out to you because of items that are on my credit report that should n't be on there. I have tried dealing with this directly through the credit bureaus, but nothing has happened at all. The items and bureau that need to be dealt with are : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX : XXXX XXXX XXXX XXXX XXXX. 

I have attached my police report and driver 's license to this complaint. This is the last time that I file a complaint. My next step is to file a lawsuit again the CFPB and all credit bureaus. This stuff does not belong to me and it needs to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-18
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I was given a Perkins Loan for {$3000.00} which I paid {$1400.00} of while it was deferred during my doctoral program. The loan balance was transferred from Campus Partners ( whom I had paid previously ) to the Department of Education ECSI Federal Perkins Loan Servicer in XX/XX/XXXX ( according to a phone call I had with an ECSI employee on XX/XX/XXXX ). I attempted to track down information for repayment around the time of my graduation ( XX/XX/XXXX ) and saw Dep of ED/ECSI Federal Perkins Loan Servicer '' listed as the servicer, but I was unable to find any account or repayment information and the website link on the studentaid.gov site went to an invalid website ( see attachments ). I thus waited for someone to contact me about this but was never contacted by my former school, Campus Partners, ECSI, DOE Default Resolution Group nor the collections agency assisting them, regarding methods for repayment. I have since learned that ECSI and the subsequent servicer ( Department of Education Default Resolution Group ) had an address on file in a state in which I have never lived ( Maine ) and no email address. In XX/XX/XXXX I had my credit checked while attempting to purchase a home and was notified of a defaulted loan and given the contact information for ECSI to resolve the problem. I learned that my loan was now being managed by a collections agency ( XXXX  XXXX XXXX ) and the Department of Education Default Resolution Group. I paid it off immediately and my account was closed in XX/XX/XXXX ( see attached letter from DOE ). According to a phone call with ECSI on XX/XX/XXXX, my first payment was due to ECSI on XX/XX/XXXX, and they confirmed an incorrect address in Maine. They also stated that they made the report to the credit bureaus regarding my defaulted loan, which has lowered my credit score by 100 points  and significantly impaired my ability to buy a home. I would like the Department of Education/ECSI and/or the Default Resolutions Group to remove this XX/XX/XXXX and XX/XX/XXXX marks from my credit report ASAP, as I made every effort to fulfill the terms of my loan and repay in a timely fashion, but was unable to identify the servicer until my loan was already in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: MD
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:
When I went to apply for one credit application for a vehicle my credit was ran more than several times, Ive attempted to dispute and fix and nothing has helped. The dealership itself said there is nothing that they can do.

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 2020-02-18
Company: TransferWise Ltd
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I used the Transferwise system to send {$4500.00} in USD from my bank ( XXXX XXXX  ) in the USA to a bank in XXXX XXXX to pay for an item. 

I made an electronic transfer from my bank to the Transferwise XXXX XXXX XXXX   account on XX/XX/XXXX. On XX/XX/XXXX my bank told me it could take 4 business days for the funds to transfer. I made an identical transfer with XXXX 3 weeks ago that was processed correctly. 

On XX/XX/XXXX a Transferwise employee informed me that their bank rejected the funds for no apparent reason and that I would have the funds returned to my bank by XX/XX/XXXX. I do not have the funds in my bank as of today. 

Transferwise customer service has no idea where the funds are and suggested contacting my bank to trace them. Since it is Transferwises bank that has rejected my funds my bank can't trace them.

This has severly damaged a business relationship and Transferwise has been shown to be incompetent if not fraudulent in their processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: CITIBANK, N.A.
State: WA
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:
Sears/Citibank reps will not help me remove an inquiry for a credit card after they canceled the application.
Sears website stated I could apply for the card and use it for an order on their website. Today XX/XX/17. Online price expires tomorrow and the Sears credit card rep told me I could not use it until I received the physical card so I stopped the application. I called another sears credit card rep and they told me to talk to sears.com regarding this situation when I asked to have the inquiry removed from my credit or if I could somehow finish the application and use the card. Sears.com rep told me it would be fine and I could pay for it now then change the order to the sears card when I received it.
Called sears credit card services to finish the application again and they are telling me it was canceled and that I will have to have ANOTHER inquiry on my report in order to get the card. I 'm requesting that Sears/Citi remove the original inquiry since their rep was not educated enough to help me with my order and made me cancel the application.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Netspend Corporation
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
My XXXX boys received NetSpend XXXX debit cards for XXXX last year ( XXXX ). Each was loaded with {$50.00}. The cards were not activated until XXXX XXXX, at which time we notified NetSpend that we would NOT be reloading the cards and simply wanted to activate them as " one time use '' cards. A PIN was established for each card and we were charged an " activation fee '' of $ XXXX/card, reducing their value to {$44.00} each. 

Over the next few months, we attempted to use them at a wide variety of stores without a single successful use. We eventually just gave the boys cash instead. 

Today, we called NetSpend to see if we could finally get resolution. Instead, we discovered that NetSpend has been charging a monthly fee of {$5.00} since activation and the card values have been fully depleted. So for {$100.00} sent to NetSpend, we received {$0.00} value and 100 % frustration. We were never informed that there would be monthly fees deducted from the accounts and were unable to find a single business whose credit/debit system would accept these cards. 

This is the very definition of a scam. I assume that most people put $ 20-50 on the cards to use as gifts and recipients simply give up on use and throw them away, leaving NetSpend with all of the money. 

Contact information is www.netspend.com, phone XXXX. Cards are issued by XXXX XXXX XXXX, phone ( XXXX ) XXXX. XXXX is headquartered at XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. Their email is XXXXXXXXXXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Diversified Consultants, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since XXXX/17, Diversified Consultants , Inc has been calling my cell phone multiple times each day without leaving a message. I have no debts, current or past due, with any company they represent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
Tranunion allowed an Unauthorized Hard Credit Inquiry by XXXX XXXX on XXXX/XXXX/XXXX. I wrote them on XXXX/XXXX/XXXX proving identity theft, no response. 

XXXX allowed 3 unauthorized hard inquiries XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX I wrote them proving identity theft on XXXX/XXXX/XXXX, no response.

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 2020-02-18
Company: EQUIFAX, INC.
State: SC
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 made several attempts to correct inaccurate information with Equifax to remove collections that have been requested by the collection company XXXX for two collections on my credit report. The collection agency XXXX has verified by letter to me and Equifax that the collections for XXXX and {$110.00} are inaccurate and they have requested that the collections be removed on XX/XX/2020 as of XX/XX/2020 the Equifax still has the inaccurate reporting of collections. Please see attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
Re : Bank of America, EDD I am a BOA customer. I was recently laid off from my job and was awarded XXXX XXXX. I received a BOA EDD card, but there are no BOAs in Montana where I live. I am trying to get the fund transferred into my personal BOA acct. I can not get a live operator on the phone to help me. 

After listening to balance a dozen times, and every other irrelevant option in their endless automated message, we are finally given an option to speak with a representative, but when I have chosen it, I get a busy signal, or 'we can not answer your call at this time. '' This is awful. I need funds. A prepaid card does not help me. I need the money in MY ACCT to pay my mortgage with. 

There is no excuse for BOAs absentee customer service. Please help. Or I will move my accts somewhere else.

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 2021-10-14
Company: EQUIFAX, 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:
Equifax and XXXX XXXX XXXX are in violation of fcra rights by reporting a unverified/invalidate collection in the amount of {$960.00} on my equifax credit report. 

Section 609 Fair Credit Reporting Act.

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature agreeing to pay said amount.

A bill is NOT a signed contract!

Please dont not send me a bill or a verification letter for me to sign. This action is violation of FCRA. 
The company XXXX XXXX XXXX sent me a bill, again this is not a signed contract of me agreeing to pay the amount of {$960.00} Please send the contract with my signature explaining/agreeing that I own this amount. If XXXX XXXX XXXX  can not provide this by law equifax must immediately deleted item. 

The collection agency is required to have and provide this information. 
XXXX XXXX XXXX is asking me to provide a signed contract that they are required to provide to me by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have called Target to rectify my issue. Target closed my account and I paid them off. It still shows as a balance on my current credit report as if it still is an active account, but the same account also shows under my closed accounts as well. Target stated that they seen on their end that the account was closed and had a {$0.00} balance. But my credit report is reporting a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: EQUIFAX, 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:
On XXXX, my late husband opened up a XXXX credit card account for himself, under his social security number. He passed away intestate on XX/XX/XXXX. I informed XXXX several times that he had passed away intestate, and that I had not ever signed a credit agreement with them. 

Recently I was notified by XXXX that they had lowered my credit limit due to a delinquent credit obligation. I have excellent credit, and this was the first time I realized that there was something wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX I call Citi Bank to close the account. I was instructed that it would take many weeks for a check with my money to come so it might be best to externally transfer the money to another bank so it is quicker. I agree. XX/XX/XXXX I processed a XXXX dollar external transfer to my XXXX XXXX. The following business day I try to take the rest of my money from Citi bank which is just over 5000 dollars by process another external transfer. I recieve an error message that I have reached the daily limit. This should not be the case since it is a new business day. I try again on Tuesday XX/XX/XXXX after the XXXX XXXX and still recieve the same message. I call Citi Bank and per usual are unable to help me. Despite my first external transfer being labelled as in process, the representative on the phone states that it is not in fact in process but has not gone through on their end. That is an unacceptab le discrpency. I have had previous issues with Citi Bank and so I reached out to XXXX XXXX from the executive branch who was very helpful with my last concerns. I have called twice now, once on Friday XX/XX/XXXX and once again today XX/XX/XXXX. Both times she was unavailable and I left a message. A Citi inquiry was initiated on Friday XX/XX/XXXX but with a resolution by XX/XX/XXXX. This timeline is unaccetable to me because my money has been held in Citi Bank for too long and each time I attempt to do anything with Citi Bank there is a error message or mistake on their end. A simple external transfer they can not process correctly or even tell me that there is an issue on their end. I am filing this complaint because if my prior working with Citi they would have me transferred all over on the phone and never resolve my issue. I am not waiting weeks and month this time for me to realize something is wrong and to then reach out. Something is wrong now and I want a resolution right now. I want my money out of Citi Bank immediately and into my hand or bank account ASAP and then to close Citi Bank and never deal with this bank again.

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