BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I had a loan through a Jeep Dealer with 5th 3rd Bank. A check was sent to them XX/XX/XXXX per there payoff instructions. First they wouldn't even verify they received the check from the party buying my Jeep! Cant verify they have it or it is even good. Even after I sent proof they already had pulled the funds! Now it has been 2 weeks and my loan is showing paid off and the account closed. They have still not even bothered to send me the {$4000.00} balance they owe me! Said they will send a check in a few days! XXXX! I am so sick of the central bank and your useless services. XXXX, XXXX and XXXX. We will not need you soon XXXX willing!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Nelnet, Inc.
State: IN
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:
VIRTUALLY NONE OF MY PAYMENTS ARE BEING APPLIED TO PRINCIPAL! THIS YEAR ALONE I'VE PAID OVER {$2200.00} IN PAYMENTS AND ONLY {$30.00} IS APPLIED TO PRINCIPAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hey, XXXX all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Got a national Credit System collection on my credit, I give written notice to the creditors bureaus for a debt validation and the results were that the only one deleting the account was XXXX, write a second and a third time for a reason, validation, and deletion with no answer. 

XXXX XXXX XXXX Opened on XX/XX/XXXX. Last reported XX/XX/XXXX Amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Experian Information Solutions Inc.
State: MI
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 sent letter to the credit bureau requesting info on a bankruptcy that was on my report. I ask for the source. Their response was XXXX XXXX. I proceed to XXXX XXXX, they deleted the bankruptcy from my credit report. So, then I sent another letter to credit bureau with a copy of the deletion. They didn't reinvestingation the credit bureau just stated that it was verified. But it can't be verified thru XXXX XXXX or the court hous.

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 2018-01-09
Company: U.S. BANCORP
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX the company US Bank card services attempted to call me 3 times in less than 2 hours, called after XXXX XXXX and most calls were back to back. This was after I had committed to making a payment on the XX/XX/XXXX. Of {$300.00}. 
On the XXXX they called again several times in 2 hours and would hang up when I would answer. At XXXX XXXX i again received a call and made a payment. I let the man know I did not approve of the consistent calls and to not allow it to happen again. I clarified that they have notes stating when they talked to me and how many times they call and they said they did. Several times they asked why I went past due to which I let them know my Interest was supposed to be 0 for 6 months and it was applied after 3 months. They did not attempt to rectify the complaint. 
Today XX/XX/XXXX I again received 5 calls. One at XXXX, next at XXXX, next at XXXX, again at XXXX and yet again at XXXX. I answered the call and let the person know yet again that they need to stop calling so many times. She stated they have no control over the number of times they call or what times. I reminded her I had just made a payment and would not be able to make a second one right this minute and calling me several times wont change that. I then ended the call.

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 2022-01-13
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:
requested a copy of my report on the XX/XX/XXXX and how come I still have these accounts under XXXX XXXX? You need to provide me a copy of these accounts. You stated that these are/were accurate and verified. Who verified these? XXXX XXXX couldnt provide me any proof. I contacted them several times, but they could not give me any proof or a copy. 

These accounts from XXXX ( already closed ) and yet you failed to give me any information. How do I settle this? when you aren't giving me anything to settle with.

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 2018-01-09
Company: Convergent Resources, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX I received email stating account has been paid in full XX/XX/XXXX I received email stating account has been paid in full with different address than XX/XX/XXXX XX/XX/XXXX I received email stating account has been paid in full XX/XX/XXXX I received email stating account has been paid in full Never have received any validation of the debt or any signed contracts from myself and the collection agency, or from the original creditor, 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 2022-01-13
Company: EQUIFAX, INC.
State: NC
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:
In XX/XX/XXXX, I provided XXXX XXXX XXXX XXXX XXXX with all of the information needed to have me removed from the VA mortgage, as it was fully assumed by my husband. The original balance was {$220000.00}. The monthly payment was {$1400.00}. Instead of removing my name from the loan, XXXX XXXX XXXX XXXX XXXX reported that I opened a new mortgage on XX/XX/XXXX with the amount of {$220000.00}. I spoke with XXXX XXXX XXXX XXXX XXXX on multiple occasions to let them know that instead of removing my name from the mortgage, they reported that I opened a new mortgage. XXXX XXXX XXXX XXXX XXXX stated that they reported to the 3 credit bureaus that the account was closed. They also stated that the did not report that a new mortgage was opened. I was told by XXXX XXXX XXXX  that I needed to dispute this with all 3 credit bureaus. I disputed the information that a new mortgage was opened in XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX reported to the bureaus that the account was closed on XX/XX/XXXX. All of this information is incorrect. The account on my credit report shows XXXX XXXX XXXX with a number under the name stated as XXXX. This has reflected poorly on my credit report. It looks as if I opened a new mortgage with XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX and then closed it in XX/XX/XXXX. They were only supposed to remove my name from the loan. Instead of that, they created a new account in XX/XX/XXXX and then closed it in XX/XX/XXXX. Please remove this fraudulent account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XXXX of 2021, I was reviewing my credit card statement when I noticed a charge made to my Bank of America ( BOA ) credit card. I was out of the country when the charge was made. While reviewing the charge, I noticed other charges that dated back months. I opened a Fraud case with BOA, they said they would investigate. The charges were made through XXXX, so I called XXXX and provided them with my account details, they confirmed that I had never used a BOA credit card on my account. 

XXXX also confirmed that an account was opened in my name in 2021 and that it used an address to a residence I sold in 2021. XXXX in the same conversation denied me access to the account stating that I had no information to confirm that I was the account owner and therefor could not provide any other information. They later determined that the account was a fraudulent account and deactivated. 
BOA was provided this information and continues to deny my claim that these were fraudulent charges even though XXXX felt the charges were made from an account that did not belong to me. BOA maintains that since it was my name and my address, it must have been me.. Also, BOA states that one of the charges had been swiped ; XXXX has never had the ability to swipe a credit card and they too confirmed that there is not a way to swipe a credit card.

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 2022-01-13
Company: Experian Information Solutions Inc.
State: PA
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 tried reaching out to this bureau several times about accounts that are reporting on my credit but do not belong to me. this info is fraudulent and i need it removed ASAP! 
I want this investigated and removed.

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 2022-01-13
Company: EQUIFAX, INC.
State: NC
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:
In XX/XX/XXXX, I provided XXXX XXXX XXXX XXXX XXXX with all of the information needed to have me removed from the VA mortgage, as it was fully assumed by my husband. The original balance was {$220000.00}. The monthly payment was {$1400.00}. Instead of removing my name from the loan, XXXX XXXX XXXX XXXX XXXX reported that I opened a new mortgage on XX/XX/XXXX with the amount of {$220000.00}. I spoke with XXXX XXXX XXXX XXXX XXXX on multiple occasions to let them know that instead of removing my name from the mortgage, they reported that I opened a new mortgage. XXXX XXXX XXXX XXXX XXXX stated that they reported to the XXXX credit bureaus that the account was closed. They also stated that the did not report that a new mortgage was opened. I was told by XXXX XXXX XXXX that I needed to dispute this with all XXXX credit bureaus. I disputed the information that a new mortgage was opened in XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX reported to the bureaus that the account was closed on XX/XX/XXXX. All of this information is incorrect. The account on my credit report shows XXXX XXXX XXXX with a number under the name stated as XXXX. This has reflected poorly on my credit report. It looks as if I opened a new mortgage with XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX and then closed it in XX/XX/XXXX. They were only supposed to remove my name from the loan. Instead of that, they created a new account in XX/XX/XXXX and then closed it in XX/XX/XXXX. Please remove this fraudulent account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I would like to reopen a disputed transaction that Bank of America considered as resolved. It is about my recent dispute transaction with XXXX ( Claim ID:XXXX ). XXXX took out {$100.00} from my account without my authorization because their ticket buyer claimed that I sold invalid tickets. XXXX emailed me about this and asked me to obtain every proof that I can get from the venue itself, as well as my proof of purchase. I replied to their email right away and gave them everything they asked for ; however, the venue was not able to give me ticket scans. I sent XXXX all my chat conversations, and they have decided to take out the money from my account without giving me proof that their buyer was telling the truth. I am furious that Bank of America allowed XXXX to take out money from my account without my authorization. During the dispute process, XXXX sent them data and information about the transaction, and sent them user agreements from their website. As quote on quote stated on their user agreement : " If you fail to respond to this email and or to take any other actions required by XXXX to investigate the invalid ticket claim, you may be charged an amount equal to 55 % of the cost of the original tickets. In addition to the invalid ticket charge described in the paragraph above. A respnse constitutes an acknowledgment of our request and bonafide the effort to investigate the clain and obtain documentation. HOWEVER, FAILING TO RESPOND, AND NOT BEING ABLE TO PROVIDE DOCUMENTATION ARE NOT THE SAME. WE UNDERSTAND THAT EVERY TEAM AND VENUE IS DIFFERENT, AND THERE MAY BE CASES WHERE YOU CAN NOT OBTAIN DOCUMENTATION TO ASSIST IN THE INVESTIGATION. IN THESE CASES, WE 'LL WORK WITH YU AND USE YOUR HISTORY WITH US, SPECIFICALLY YOUR INVALID TICKET CLAIM RATE TO DETERMINE THE RESOLUTION. '' XXXX in no way worked with me on this when I emailed them and asked them for proof that the buyer was not lying and was not able to use my tickets. They did not reply back after they have already taken out the money from my account. I used their chat option to be able to talk to a representative, and I told the chat agent that I have a clean selling history with them and asked them to reconsider their decision, but they refused to give me that and they blocked me from using their website. Bank of America overlooked this on the documentation that XXXX sent them, and I still do not understand why Bank of America considered this as resolved when nothing has been resolved. XXXX refused to work with me even though their user agreement states that they will work with sellers when it comes to special cases like mines.

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 2018-01-06
Company: NAVY FEDERAL CREDIT UNION
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: Account information incorrect

Complaint:
My name is XXXX XXXX and I am currently serving the United States XXXX XXXX XXXX. I have been serving for 7 years and 9 months now and been a member of Navy Federal Credit Union for about the same time. Last month, I filed a dispute with Navy Federal Credit Union about a 30 late day payment. The customer service rep said she could not help me. I was in transition from XXXX from XXXX in the month of XXXX XXXX when this delinquency was filed. My credit card account number is XXXX. I am currently XXXX in XXXX XXXX and want to a house through Navy Federal credit union. 80 percent of my accounts, installment loans, and auto loans and financed through Navy Federal and I love the relationship with this company. I want them to consider removing the 30 late payment in XXXX XXXX. I am trying to finance a house through Navy Federal in XXXX and was confused when they said they could n't help me remove this 30 late payment made in XXXX XXXX. Please help me solve this issue. 90 % of my accounts with XXXX XXXX are automatic payment because this issue I am having today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, 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:
I have been taking advantage of due to malpractice while several laws have been broken under the FCRA by under your company. This is causing me financial injury and deformation of character. I am unable to get a job or apply for credit. This have hurt the credibility of hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Around XX/XX/XXXX, I received a letter specifically addressed to me from American Express Cards Company. It tempted me to apply for a Blue Cash Everyday Card from them with the words " Earn {$250.00} back after you spend {$1000.00} in purchases on your new Card in your first 3 months ''. 

I applied for it and got a new card in XX/XX/XXXX. When I received the new card in mail, I called the American Express Cards Company 's customer service phone number to confirm their promise of earning {$250.00} back was a true deal. They confirmed {$250.00} could be redeemed as a statement credit after I use the new card in my purchases of {$1000.00} in the first 3 months. They also said the new card was effective from XX/XX/XXXX. So I started to use the card to pay my bills, buy insurance policy, and various kinds of shopping. By the end of the 3rd month, my purchases surpassed {$1000.00} on this card. To my surprise, the American Express Cards XX/XX/XXXX statement only redeemed {$100.00} as credit. I called their customer service, only to learn that I was entitled to earn {$100.00} instead of {$250.00} as cash back. I explained to them I had fulfilled my obligation to spend {$1000.00} in the first 3 months and requested them to respect their promise in the invitation letter sent to me. The representative said they had to make an investigation about the issue and then send me a letter about the result. There was never any response from them after that. No letter, no phone calls, or emails. Nothing. I made two more phone calls to their customer service. In the second call, a woman said the case is still being investigated and there was no decision made by her superior administrators. However, she said she saw the RSVP Code on that invitation letter shown on my application, but the case was pending. It would take 7 to 10 days to have any answer. Today I called them again, the Rep. said they could n't make good on their promise of {$250.00}. I asked to talk to his supervisor. After put me on hold for more than 10 minutes, a woman supervisor said that I am not eligible for that {$250.00} cash back because I did n't comply some of their conditions. What conditions? I asked, the only conditions on your invitation letter was to spend {$1000.00}, which I did as we agreed. I ca n't tell you more information, she said, but you just not eligible for {$250.00}. End of the call. 

As you can see, the American Express Cards Company made false advertisements to allure people like me for making them profit and then breached unscrupulously the agreement between us two parties. this kind of fraudulent schemes should be stopped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-11
Company: TRUIST FINANCIAL CORPORATION
State: VA
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:
I received this email this morning. I believe it is a scam. 
I can't copy the note, except for this portion : XXXXXXXX XXXX XXXX To : XXXX XXXX : XXXX The claim is that I have subscribed to their service and they are deducting {$330.00} from my account. 
Thank you! 
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