BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have been trying to rectify a blemish on my credit report for over one year. XXXX XXXX XXXX has re-aged an account and it is causing my credit score to be significantly lower than it should be. I have contacted all three credit reporting agencies and all except Transunion have agreed to remove the erroneous information. I have submitted information proving that they have incorrect information. My request have been ignored and they are stating that all accounts have been verified as correct.

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 2023-04-17
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
NAVY FEDERAL CREDIT UNION IN VIOLATION OF PEN. CODE 496 ( a ), Title 42 USC 1986, Title 18 USC 241, Title 18 USC 242, Title 18 USC 1091 : Genocide, UCC 9-317, UCC 9-322 , UCC 9-203 ( b ) ( 3 ), R.I.C.O. ( Racketeer Influenced Corrupt Organizations Act ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, & FRAUDULENT MISREPRESENTATION. NFCU REPORTED A COUNTERFEIT LOAN ON XXXX  THAT WAS NEVER SIGNED BY THE DEBTOR DAMAGING THE CREDIT REPORT. NFCU COLLUDED WITH THE STATE OF CALIFORNIA DMV TO RECEIVE A CALIFORNIA CERTIFICATE OF TITLE UNDER A FALSE PRETENSE AS LIENHOLDER WHEN THEY DIDN'T HAVE A FINAL SIGNATURE ON THE " LOAN '' WHILE A COMMERCIAL LIEN WAS PUT ON THE AUTOMOBILE BY ME 30 DAYS PREVIOUS. NFCU, THROUGH TORTIOUS INTERFERENCE, INTERCEPTED MY AUTOMOBILE FROM A TOWING AGENCY ON A FALSE PRETENSE OF " LIENHOLDER '' AND ILLEGALLY SOLD MY AUTOMOBILE WHILE MY LIEN ON THE AUTOMOBILE IS CURRENTLY FILED AT THE OFFICE OF THE SECRETARY OF STATE OF CALIFORNIA WHILE I AM TYPING THIS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: CITIBANK, N.A.
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:
I opened a Citi Premier credit card in XX/XX/2019, using a sign-up bonus of receiving XXXX " Thank You Points '' ( TYP ) after spending {$4000.00} in 3 months. About 2 months after started using the card, I contacted Citi bank using the messaging feature in its mobile app to confirm the remaining amount I had to spend to get the bonus. It was at the time I realized there was a mistake and the bonus offer attached to my account was " receiving XXXX TYP after spending {$4000.00} in 3 months. '' I mentioned this to the representative and was told to contact the Thank You Points ( TYP ) department. 
I followed up with TYP department, and I was told that since the then current public promotion offer for the Citi PRemier card is indeed " receiving XXXX TYP after speding {$4000.00} in 3 months '', they changed the offer attached to my account. I was told to follow up once I completed the spending requirement so they can make sure the correct ( XXXX ) TYP is deposited to my account. 
I contacted the TYP department after finished spending {$4000.00} but only received XXXX TYP. I was told that they will escalate this and manually adjust to add the XXXX TYP to my account. 
I contacted the TYP department yet again in XXXX after still not seeing the extra XXXX TYP. I was then told that the review was declined because I contacted Citi bank more than 3 months of opening the account ( which is false ).

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - ( XXXX ) XXXX XXXX XXXX XXXXXXXX ( XXXX ) - ( XXXX ) XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2021-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased something online with my debit card on XX/XX/2021. After i realized it may have been a scam I reached out to the merchant via the email that was provided and got no response. At that point I placed a claim with my bank BOA and they placed the XXXX back in my account. After repeated attempts to contact the merchant i gave up. The bank went into my account and removed the funds they put back and sent a resolution that I received the item which I had not. I asked them how was it possible for them to get in touch with the merchant when I had tried numerous time with no results. They sent me a USPS Tracking sheet that clearly looks like a counterfeit copy which states the item was delivered XXXX XXXX  at the front door or porch with the address of XXXX, NJ XXXX ( NO PHYSICAL ADDRESS ) how is this even possible I have been home everyday because I work from home and my dog would bark if anyone rang my bell. I live in an apartment complex and no one ever takes packages in my development. This item was never delivered and this was a scam. The bank fails to acknowledge that the package was never delivered to me at anytime. I order from XXXX all the time and have never had a problem with packages and they take a picture of it in front of the building and send it to you so you know it's there and ring your doorbell.

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 2020-11-29
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I sent a request demanding verification of accounts reported by physical verification according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). I have not received physical verification, method of verification, nor the items removed from my credit report as stated by law. I have also sent a 30 day demand to comply letter with no 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 2023-03-24
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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. XXXX is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the issues as needing investigation and correction due to inaccurate reporting in my file. Please correct this. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance {$99000.00}

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 2023-03-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The issue involves an account at Wells Fargo, Crown Checking, account # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX executor, XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. XXXX XXXX XXXX XXXX died in XXXX and XXXX XXXX XXXX died in XXXX. On XXXX XXXX XXXX, I requested that account ( XXXX ) XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, executor, be placed in account at Wells Fargo under the name, XXXX XXXX Living Trust. XXXX XXXX is the husband of XXXX XXXX XXXX, deceased, and the will of XXXX XXXX XXXX and XXXX XXXX XXXX was probated through the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Georgia. XXXX XXXX XXXX XXXX did not have a will. 

Wells Fargo refused to transfer {$5300.00} in the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, executor ( XXXX ) into the XXXX XXXX, Living Trust account. Wells Fargo stated the account, XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX, executor, had never been probated. XXXX XXXX XXXX XXXX has been dead for more than fifteen years and XXXX XXXX XXXX XXXX for more than fifteen months. XXXX XXXX is the only living heir to the account. Given the deaths of the two individuals on the XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX, executor, I am unable to discern why the account should not be placed in the requested account, 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 2019-10-29
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I need help I keep getting in accurate reports from XXXX XXXX XXXX and need help clearing my credit history reports hard and soft because there is a lot that is incorrect

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 2022-10-12
Company: TRUIST FINANCIAL CORPORATION
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:
We notified on Friday, XX/XX/22, that there were questionable charges on our debit card. We informed Truist Bank that we suspected fraud using our company debit card. On Friday, XX/XX/22, I disputed with the bank regarding various transactions that took place over three months ( XXXX, XXXX, and XXXX ). When notified, we canceled that debit card and filed the complaint. On Monday, XX/XX/22, I called to follow up on the complaint and was informed that our complaint was denied. I filed a police report on Wednesday, XX/XX/22, then contacted merchants. One of the most significant merchants ( Cash 1 ) I reached out to did a review on their end and confirmed that it was fraudulent activity with my card. They provided me with something in writing, and I supplied that email to the bank, and they are still denying our claim. We have been scammed out of {$17000.00} plus, and we have done extensive leg work to prove that we did not authorize any of the transactions.

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 2021-09-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Every month I deposit {$2000.00} into my account at usaa which the check is written to me on a usaa account. Every month they only allow me to get XXXX then place a 10 business day hold on my account which causes me to not to be able to pay rent utilities and buy medicines and groceries. My rent is due on the XXXX and I XXXX  XXXX dollars for wvery day that that XXXX dollar rent isn't paid. That's usually XXXX XXXX dollars extra in rent i have to pay because usaa will not allow me as a veteran on a fixed income to access my funds. I'm literally going broke and without electricity or water or food or meds every month now for 5 yes. They say it can not be released however 3 months ago I got so fed up with this XXXX  I called 27 times until I was transfered to a manager by the name of XXXX and he.told me.that at anytime funds can be released with a simple push of a button or two and he stated that if ever I was denied my funds to know that the location I had reached that day that wouldn't allow it to be released is only using that method at that contact center to drive up profits by keeping the funds of depositors on hold. Today I reached a lady by the name of XXXX at extension XXXX she refused to give me the contact center address or number only her extension. She begins to tell me.her policy and.procesure of why it is right for her not not allow me to access funds I put I nto my account. I asked to speak to her manager and she just kept repeating policy. I asked her if she only gets a percentage of her pay or is she allowed to get her whole paycheck or is she gets enjoyment of causing me to be forced to pay extra on my rent resulting in no food no electricity or.meds etc..she said their policy was.. 

That's when I lost it after asking for her to transfer me.to her superior and her not doing so I advised her I would be making a complaint again she wanted to talk policy.. 
It seems the policy is as XXXX described. To make.profit off of deposits placed in ones account by holding those funds XXXX resulting in usaas customers, Veterans and services members, being forved to go without needs being met or in higher bills resilting.also in bounced payments from insufficient funds and.cause fees to accumulate. This is wrong in every sense of the way. Please help us and stop Usaa from holding funds XXXX and let the XXXX 's of these contact centers know we won't tolerate it. I asked XXXX if I could bring my children to her home for.food when we were unable to buy them.food she said to me of course not thats ur responsibility ... .I hung up the phone because obviously She is bought into the idea that profit is ok even if it means hurting those that fought for her right to be a XXXX XXXX. # releasethefunds

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Some time around late XXXX, early XXXX, I requested a forbearance from my Mortgage company Specialized Loan Servicing. I was granted the forbearance and received a letter stating that I was approved. Approx 6 weeks into the forbearance I was informed that a forbearance would hinder me getting a refinance. I called S.L.S to cancel the forbearance. I was advised to make a payment first, wait till the payment was received, then to cancel so the account would not show a delinquent balance. I did all of the things I was advised to. I followed up with S.L.S customer service to cancel. I was assured that my account was now active and current. Approx 20 days later I called S.L.S back due to missed  calls on my cell phone from them. I called them back to inquire what the issue was. I found out that the money I had sent to get my account active and out of forbearance had been cashed and was sitting in a account as unapplied funds and that the forberance was still on my account. I once again asked that the money be applied to my account and to be taken out of forbearance. A few months passed and I tried to get a refinance. I found out that my credit report currently shows Forbearance/deferment. with this showing, I can not proceed with the refinance. I have spoken with Customer Service@S.L.S approx 8 times and was told that they would send me a letter with the date on it from my cancelling the forbearance. The letters never arrive and when I called back and spoke to a supervisor, I was told that they could not give my anything on paper. I told them I needed to submit something in writing to get the refinance. S.L.S finally sent me a letter by email stating that my forbearance had ended, but they did not put the date that it ended, which I had explained to them that was very important. it has now gotten to the point where I am not getting calls back and the negative still show on my credit. I am starting to suspect that S.L.S purposefully did not remove the Forbearance from my account to pad their forbearance numbers or some other illegal activities. All I am requesting is for S.L.S to accurately report the information to the credit Bureaus and to give me the letter stating when I cancelled the forbearance.

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 2020-09-11
Company: NRA Group, LLC
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has been continually harassing my wife and I, despite the fact that this debt was not owed and this issue was discussed and settled with the XXXX XXXX XXXX  4 years ago. We do not owe the gym money, we never owed this amount shown and we resolved this years ago. 

XXXX ______________________ NATIONAL RECOVERY AGENCY XXXX XXXX XXXX, XXXX, PA XXXX Toll Free : XXXX www.NationalRecovery.com XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX NRA ID : XXXX Statement Date : XX/XX/XXXX Total Due : {$390.00} Dear XXXX XXXX, Your account is still outstanding. Your immediate response to this correspondence will allow us to help you resolve this matter. 

Creditor Creditor Account NRA Account Number Date Amount Costs Amount Owed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$390.00} {$0.00} {$390.00} Unless you dispute this debt, your payment should be made directly to this office. Please choose one of the following methods of payment. 

To pay online please visit our payment portal at XXXX : XXXX XXXX NATIONAL RECOVERY AGENCY XXXX XXXX XXXX XXXX XXXX, PA XXXX Toll Free : XXXX www.NationalRecovery.com XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, RI XXXX NRA ID : XXXX Statement Date : XX/XX/XXXX Total Due : {$390.00} Dear XXXX XXXX , Your account has been forwarded to this office for collections. 

Creditor Creditor Account NRA Account Number Date Amount Costs Amount Owed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$390.00} {$0.00} {$390.00} Unless you dispute this debt, your payment should be made directly to this office. Please choose one of the following methods of payment.

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 2018-05-06
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I recently found 2 different prepaid Visa debit cards that were gifted to me on different occasions. One was for {$25.00} ( valid through XX/XX/XXXX ), the other for {$50.00} ( valid through XX/XX/XXXX ). They were both more than 2 years old but had been hidden in a box where I recently discovered them. While the fine print on the back of the packages state the amounts will start getting deducted after inactivity, I don't think that companies should be able to do this since they are paid for and treated as cash. When I checked the balances online, both indeed had {$0.00} balance.

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 2018-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX hit me with a hard inquiry I never did any requesting with them on XX/XX/XXXX so I am unsure as to why this is on my account this is fraud.

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