BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-31
Company: CHARLES SCHWAB CORPORATION, THE
State: NV
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:
XXXXfore Inquiry from XX/XX/2019 Bankcard XXXX/fore hard inquiry

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 2018-12-27
Company: Experian Information Solutions Inc.
State: PA
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 a listing on my credit report from XXXX  XXXX  stating I owe them XXXX since XX/XX/2018. I have absolutely no knowledge of this company or any loan of that amount. They are reporting derogatory account to the credit companies every 5-7 days negatively impacting my score. I attempted to contact the company requesting verification of debt and never received any information from them. I then disputed this charge multiple times with XXXX XXXX and experian and I was not provided any information about this debt. My latest dispute was on XX/XX/2018 and it came back as resolved and updated but I see no change or new information provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07
Company: Experian Information Solutions Inc.
State: MD
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've repeatedly attempted to have inaccuracies on my report deleted but, no one seems to care so, here we are. Please only communicate with me through CFPB. ALL REPLIES AND CORRESPONDANCE SHOULD BE STRICTLY THROUGH THIS PORTAL AND BY NO OTHER MEANS. IF YOU CONTACT ME BY ANY OTHER MEANS, I WILL CONSIDER IT HARRASMENT. 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 2021-03-08
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: Account information incorrect

Complaint:
Transunion should not be reporting the XXXX partial account number ****XXXX on two separate line items. ( Please see pages attached from my credit report. ) This account is also reporting an incorrect balance on each line item. This reporting of duplicate accounts with an incorrect balance is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2023-11-06
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested a master promissory note from the student loan servicer, AIDVANTAGE. I requested this promissory note in order to prove that I owe this alleged debt. I was told that they were just the servicer but, I could go to " XXXX '', to receive it. I then called the department of education and was told that they had it on file and that they would send it out to me. It has now been over a month and I still have not receive the promissory note. I went to XXXX and signed on to see if it was on file but, received a message saying that they didn't have it in their system. I do not own this alleged debt so this is a violation of 15 USC 1681 by not insuring that all information being reported is correct and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: CCS Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Never opened and account with the Original Creditor, yet trying to collect from me. Original letter sent XXXX for debt not personally applied for. Request information with signature/email of applied debt. Never received original requested items to sent and repeatedly sent new Collection letters XXXX, XXXX, XXXX. Received texts and voicemails and emails for debt not applied for. Also feel it's a possible XXXX violation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Hello this complaint is on Bank of America and XXXX XXXX. I sent a money transfer through XXXX XXXX and paid it with my Bank of America debit card. What happened was I misspelled the receivers last name, so when I tried to edit the receivers or transaction via XXXX XXXX  app it asked me to cancel transaction in order to make changes so I cancelled and was told I will receive a refund for {$2000.00}. I received the refund but when I changed the last name I sent it back for the 2nd time but I put the country as XXXX and thats where I sent it but I was told that transaction is in the XXXX XXXX so the receiver cant receive the funds so I had to cancel that transaction as well but I never received my refund for {$2000.00}. Ive made a claim on XX/XX/XXXX,2020 and when I call XXXX XXXX XXXXhey say the released the funds to my bank and when I call my bank they say they dont see any funds from XXXX XXXX. So the very next day XXXX XXXX pulls another {$2000.00} from my account and I called Bank of America and told them XXXX XXXX pulled {$2000.00} for no reason. Bank of America gives me {$2000.00} as a credit until the solve the issue with XXXX XXXX but they never resolved the problem with XXXX XXXX  and took the credit they gave me back. Now there is {$2000.00} that were never received in XXXX or XXXX but funds were taken from my account. Now my account is XXXX  and I refuse to pay it bc its not fair and I even showed Bank of America the dates of one transaction XXXX, XXXX and XX/XX/XXXX. I received one refund but the second refund I never received but yet an extra {$2000.00} was taken from my account. So basically I was legally robbed and XXXX XXXX  says they sent it and Bank of America says no. So now My account is negative and Im trying to get my money back Im not asking for anything except my money. Then XXXX XXXX from the app closed my account with them and now I cant see any of previous transaction. So I want to file this complaint against XXXX XXXX and Bank of America. How can you help?

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 2022-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 I used a Bank of America ATM at XXXX XXXX XXXX XXXX, XXXX, Illinois to withdraw {$460.00} from my checking account. Before the cash was dispersed, the ATM required me to take the card from the machine, but in this instance the ATM did not eject the card far enough for me to be able to grab it. I tried for about a minute but was not successful in getting it out of the machine. The machine then swallowed my card and cancelled the transaction. Although my account was debited {$460.00} I did not receive those funds. 

Today I called Bank of America and they will not credit my account until XX/XX/2022. They state the reasoning is because I had another claim on my account. I did, for {$9.00} - it was a recurring monthly charge for a service I cancelled and should not have been charged for - but that claim was resolved in my favor and the amount of legitimate claims I have should not matter ( if they were fraudulent I would understand ). 

A faulty ATM machine is an issue on Bank of America 's end and I should not have to waste hours of my time trying to get in touch with a representative to submit and follow up on this issue. Especially because it was one of Bank of America 's ATM machines, I should not be waiting two weeks for the funds to be credited back to my account. They must have record of the amount of cash that is in that machine. 

This is an unfair and shady business practice and is unacceptable.

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 2021-03-29
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX XXXX, 2021 I attempted to transfer payment to a vendor that required payments via either XXXX, XXXX, or XXXX. Since my bank, Wells Fargo, has the XXXX XXXX on their online banking app, I utilized it to complete the transfer of {$290.00} as payment to the vendor. The vendor supplied me with the address and name required for the transfer and I was notified of a successful transaction. However, the vendor notified me that the funds were never deposited in his account. I immediately filed a claim to re-claim my {$290.00} using the phone number provided on the XXXX page of my online banking app. It is now XXXX XXXX, 2021 and after spending hours and days in non-productive phone conversations with both XXXX and Wells Fargo, I am no closer to re-claiming my money because neither of them are willing to accept any responsibility for the missing money. They have both informed me that they have closed the claim. The Bank says they did nothing wrong so it isn't their problem, and XXXX says since I used my online banking app it is the bank that is liable. However, recently, a notice appeared on my XXXX activity page that the name provided by the vendor is " not registered. '' This notification was not forthcoming until close to mid-XXXX. The vendor has re-verified that he never received the funds, and I, the customer, am now locked in a seemingly unsolvable Catch 22, apparently expected to just write off my {$290.00} with no recourse for recovery of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: SC
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : - 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 2022-02-25
Company: EQUIFAX, INC.
State: OH
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:
information was involved in equifax breach, offered settlement never received money. emails and calls were never responded to. My identity has been compromised due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX / XXXX / {$11000.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: Nelnet, Inc.
State: CA
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:
Once again, I go onto your Website to download information on my student loan. XXXX XXXX, Senior Resolution Specialist I need an explanation why is it on XX/XX/XXXX, under Loan Details : Group A-Due Date is XX/XX/XXXX, Group B-Due Date is XX/XX/XXXX. I get access to my account back on XX/XX/XXXX. On XX/XX/XXXX, and XX/XX/XXXX, it shows under Loan Details : Group A-Due Date is XX/XX/XXXX, Group B-Due Date is XX/XX/XXXX. Now I know somebody is messing with my student loan online account. This is unacceptable and now I have to look at every little detail and amount by navigating around my account and downloading my information. This will be another complaint with the Dept of Ed. I'm going to ask them if Nelnet is allowed to change due dates on an Income-Driven Plan with zero payments due. I am also going to report that I was not notified that you resubmitted my payment information to XXXX  and XXXX. Oh, sorry you have up to 60 days to reply to the CFPB. Had I noticed this problem earlier, I would have put this information on the previous complaint. Why would somebody purposely change my due dates. Maybe you have a good explanation and if you do, please reply asap. This is getting serious now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with US Bank in response to a {$400.00} new customer offer. After opening the account, I became aware that US Bank had acquired another bank 's accounts, and thus myself as one of their customers. US Bank continues to use the branding of the prior bank on these accounts and has provided no communication indicating a transition of ownership. 

Once realizing that this may mean that I did not qualify as a new customer, I reached out to US Bank and was assured by multiple associates that the separate branding for the prior account meant there would be no issue and that I should continue fulfilling the terms of the offer. I then fulfilled the terms and completed the offer. 

However, the {$400.00} bonus never arrived and each contact with US Bank assured me that I had met all of the requirements and to just give it a few more weeks. I continued asking US Bank to clarify the timeline for the bonus payout, which eventually lead to a " research request '' being filed. I was told that I would hear from US Bank within a few business days. I never was contacted and subsequent contacts with US Bank indicate no such " research request '' existed. 

After it was clear the " research request '' didn't exist, I requested a path to resolution from US Bank and was directed to go into a physical branch, which was the only way to get it resolved. I did so, and they proposed filing another " research request. '' I was again assured that I would be pro-actively contacted with the results and that it would be a few business days. I again have received no communication from US Bank on this matter. 

As part of my in-branch visit, we were able to ascertain that US Bank does not honor USPS 's National Change of Address program like other banks I associate with. As a result, any physical notification of the acquisition of State Farm Bank accounts by US Bank was sent to a known old address and returned to sender by USPS. US Bank then clearly took no action to contact me via phone or email to convey this information to me. 

As a result, I opened the new account in good faith belief that I was a new customer and was repeatedly assured that it would not be an issue. After repeated attempts to resolve the matter, I continue to get directed to non-existent " research requests '' with no clear answer.

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 2022-02-25
Company: Resurgent Capital Services L.P.
State: NJ
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:
LVNV FUNDING, LLC LOCATED AT: C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX, SC XXXX ON XX/XX/XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNTOF XXXX AND ADDED A DEROGATORY MARK ON MY CREDIT REPORT PER XXXX XXXX. UPON FURTHER RESEARCH, THIS ACCOUNT WAS TRANSFERRED/SOLD AND I AM NO LONGER RESPONSIBLE FOR THIS ACCOUNT. DEBTORS CREDITOR DID NOT VERIFY THIS COLLECTION. ALSO, THERE WAS NO WRITTEN FORM OF COMMUNICATION, CONTRACT OR SIGNATURE FOR THIS ACCUSED DEBT AT ALL. A BILL WITHOUT A SIGNATURE DOES NOT VALIDATE THE DEBT AND NO ONE CAN SEND A BILL AND SAY ITS MINE. ACCORDING TO FCRA, LVNV FUNDING, LLC HAS VIOLATED MY RIGHTS AS AN CONSUMER AND I'M REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: JPMORGAN CHASE & CO.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX, a payment of XXXX was returned. Since then, every single payment has been on hold for over 7 days. I called to speak with the company about it today, and they said there is nothing they can do. How is it possible there is nothing they can do? I've made over 5 payments since the returned payment and the " system '' still places a hold on my payment being posted ... .if it isn't something, it is something with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: PA
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 Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Back in XX/XX/2019, I applied for a SBA Business Line of Credit with TD Bank. Shortly after, I was pre-approved for a SBA Business LOC of {$100000.00}. A few days after submitting the necessary documents I decided to apply for the same LOC at XXXX XXXX. As expected, I was pre-approved for a SBA Business LOC for {$100000.00}. Long story short, I eventually closed on the XXXX with XXXX XXXX  without any issues. However, TD Bank eventually denied my application. When I asked them why? The XXXX Banker informally stated that due to my outstanding balance with the IRS, my loan could not be approved. However, I explained to the rep that, although I have an outstanding balance, I do not have any judgements, liens or defaults against me. The outstanding balance is due to a pending review and my payments are current. More importantly, I explained that another major bank had a approved me and I provided TD with my closing documents. TD Bank insisted that the denial of my application was valid and that I would receive a formal denial letter within the mail. However, its been over a month and I have not received any documents explaining the reason for my denial which has led me to believe that I am being discriminated on for either my race and or gender. I would like this situation reviewed and a valid explanation be provided.

Company response to consumer: Closed with explanation