BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The bank started missing wire payments last year for no apparent reason. Most recently, they froze all of my accounts because of one credit card transaction they flagged as fraud ( which was a legitimate transaction ). Then froze my accounts again over night for the same issue because a bank employee didn't read the notes of the resolution ticket. I had to call back again to unfreeze the accounts. Next I logged into my XXXX XXXX account and tried to initiated a transfer of {$5000.00} into XXXX XXXX  from my USAA account, which I have done successfully 3 times previously, and the linkage was already set up. USAA rejected the funds transfer again telling XXXX XXXX that my accounts were frozen for withdrawels. I call USAA back again and they stated that none of my accounts were blocked and there was no explanation for the rejection of the funds transfer. So basically USAA is preventing me from taking my own money out of my USAA account. I think that should be illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: TX
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:
The inquiries are unauthorized and need to be REMOVED from my credit file immediately 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, TransUnion and XXXX failed to address the letter sent by XXXX XXXX, XXXX XXXX, Office of the Chairman, stating that the bank misplaced my documentation for more than six mos. Thus, delaying the closing of the sale on the property and damaging my credit score greatly, denying my ability to obtain credit. 
The matter was not resolved. The money was repaid in full. 
The credit bureau failed to remove derogatory remarks as requested. 
The credit bureaus failed to address the issue and resolve the dispute as it should based on information provided by XXXX XXXX and the consumer. 
I demand that the derogatory remarks be removed no later than XX/XX/2019.

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 2023-06-28
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: Information belongs to someone else

Complaint:
I sent letters to all credit bureaus and creditors in XXXX in regards to incorrect and fraud accounts that are reporting. The items are still reporting and need to be removed immediately! There are accounts that is 7 years old and still reporting and by law that is illegal and can not be reporting! remove it asap please! I do not want to have to take legal action but i will if this matter is not resolved. Please remove these items per 15 usc 1681 b you all are violating my rights as a consumer by furnishing this information without my consent.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I HAVING TROUBLE TO PAY THE PERSONAL LINE OF CREDIT IT STARTED IN XX/XX/22 TO THE PRESENT AND TOTAL IS XXXX AND THE PERSONAL LINE OF CREDIT THAT I BORROW IS {$100000.00} AND I AM STRUGGLE TO PAY IT OFF

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 2023-08-30
Company: DISCOVER BANK
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I got a call from XXXX Police, a person impersonating as a XXXX XXXXXXXX extorted money from me. He told me my immigration was under check and I was a criminal. Failing to comply will result in prison for at least 5 years. I made Discover know about this situation and the unauthorized charges but they refused to refund me. 

I have also filed a police complaint with incident # XXXX and below are the transactions. 

Tue XX/XX/2023 Tuesday, XX/XX/2023 XXXXXXXX XXXX # XXXX {$1000.00} PROCESSING Tue XX/XX/2023 Tuesday, XX/XX/2023 XXXX  XXXX {$450.00} PROCESSING

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo was my mortgage company from about XX/XX/XXXX through About XX/XX/XXXX. 

I attempted a refinance in XX/XX/XXXX XXXX. They sat on the application. Then attempted to changecthe rate and make me sign. I complained directly to Well Fargo. There was no change in credit and payment history was excellent. 

XXXX gave me the rate and completed the XXXX. Wells Fargo attempted to force higher rate than 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: U.S. BANCORP
State: VA
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:
US Bank allowed 3 charges to be made by XXXX XXXX XXXX in the amount of {$62.00} each for a contract that was not renewed. In addition the charges were made on an expired credit card. I contacted the bank and sent them proof these were unauthorized charges but they refuse to remove the charges. In addition they have now charged me an additional {$29.00} as a late payment charge for not paying the fraudulent charges.

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 2023-09-01
Company: TRUSTMARK CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I contacted someone from the bank about funds missing from my accounts according to one of the bank 's 'financial tools '. I talked to more than one person on the phone and told them how they could help me solve the problem by checking the 'financial tools ' themselves to see the problem. They claimed they couldn't use 'financial tools ' on their end. They claimed they couldn't help unless I checked every transaction on my own. I told them I couldn't check every transaction on my own because the date range for the transactions was from XX/XX/XXXX to XX/XX/XXXX. They offered no alternatives for help. I want to know what happened to the missing money and how to get it back.

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 2023-05-04
Company: QUALITY ACCEPTANCE LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently check my credit report and noticed unauthorised accounts being listed. I've reached out to the credit bureau to solve these issues but have not received any information or any updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: INDUSTRIAL AND COMMERCIAL BANK OF CHINA (USA), NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
The ICBC Bank said my card had already activatedbut when I used it at stores. The card showed unauthorized. I called to their bank which located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. They said they would fix this problem. However, after a week, the card still did not work. I call 4 times at least. The service attitude was horrible. They didn't listen to my problem, and hang up the phone. I thought it must be I called too much, but they can't solve this problem. Therefore, they choose to ignore this issue. They said the card couldn't use and all of their consumers had this issue. They don't how long they can fix this issue. This is ridiculous. A bank didn't how long they could let their consumers use their cards. Excuse me! And their bank located at XXXX XXXX consumers service was very mean to the consumers. I think they had a discrimination problem. They were very rude to the consumer who had an accent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax is dysfunctional. 

A bank loan that I have apparently sold itself to a different facilitator. I had nothing to do with it. I continue to owe the money and pay the money, on time. Equifax showed this as a " closed '' account. I disputed that and explained it was not closed just that the loan had been sold. Simple. Easy.  Not a big deal. Except they do not have a process that works and since they handle our credit that is wrong. 

So they send me a notice that it has been handled. They repeatedly send the dispute confirmation number of XXXX by email. The email instructs I view the results. When I do it asks for a litany of information including social security number & birthdate. It does not ask for the confirmation number. When I submit that info it tells me they need more info and provide a phone number. That phone number is automated and does not offer a path to view or hear the resolution. 

So I find another number, and finally get a human but I can not understand her English. It was very difficult to understand her. This person asked a series of questions that are difficult to answer like did I ever have a bank loan, with whom and what was the balance. There are ten or more of these questions. Over 40 minutes on the phone. When I finally pass the test she can tell me nothing. 

Today another email came. Same drill. Same process except I am writing you instead of calling where ever their call center is located to repeat that awful experience. 

Equifax is dysfunctional. Their on-line dispute process does not work. It is torture, They should not be allowed to handle Americans credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I got a XXXX XXXX XXXX the vehicle stared at XXXX dollars ok after all the fees and other it came up to XXXX where the problem start at they got me paying XXXX for 72 months that's XXXX dollars ok they telling me it's nothing they can do when we did the closing didn't nobody tell me well XXXX you no you got to pay XXXX but the bank adding a extra {$28000.00} so your total is XXXX I feel very helpless could you please help me thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Blockchain.com, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I need to withdraw my USD money from blockchain.com They say that I can do it only by wire. OK. I don't mind. But when I follow their instructions to withdraw my money the process is being blocked on one place all the time. During several days I try to explain them that I can not finish withdrawal because something is blocking the process. But they send me by email the same instructions which I know already and which do not work. They do not call me or contact me to fix an issue. Just simply repeat the same email with withdrawal instructions. I don't know how to withdraw my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have applied for a new credit card with American express through their mobile phone application officer. Amex has been cheating customers by decreasing the credit line on the older cards when they apply for newer cards without the customer 's consent. I have been reading this online and just shocked to see they can play as they want. I know how smartly they can get away from the cheating they do by saying Amex has the right to do so. That is the reason I have explicitly asked the agent during the application would the credit line on older one decreased and he confirmed with a clear NO, can trace the voice recording and figure it out. 
I have tried to reach out to customer care service after I have received the card and he mentioned there is a manual request to decrease the credit line on my account, which is very unethical and I think it is illegal as well as they said something and doing something else. I have been trying to contact their customer service and they keep on making excuses and transferring to other departments and no one knows how to solve it correctly. 
I really want an explanation with concrete evidence of what went through the case and why they are lying to the customers and how do they get away with it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Mohela, service lender, has not met the 90 day promise to process PSLF application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I had a lease with XXXX XXXX XXXX that ended XXXX of 2018, I paid my last months dues and thought I was finished. XXXX claims to have sent me an invoice regarding a {$390.00} " Disposition Fee '' however I never received any letter or invoice stating how much was due. Even if the amount was due I have screen shots of my balance at {$0.00} owed and was not allowed to log back in once I made my final payment. 

I received a collection letter from an agency requesting a payment of {$390.00}, I don't want it reflecting on my credit report as I never knew this amount was due and was not informed of this in anyway. 

XXXX claims to have mailed letters but theres no proof of delivery

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: LEXISNEXIS
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Accounts are reporting inaccurately to my credit report I have requesting disclosures that I signed that authorize this reporting. See attached for certified mail receipt XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$26000.00}

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 2021-06-30
Company: Experian Information Solutions 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 sent Experian that the last date active arent accurate with my credit report and That I need the Original contract Pay off disclosure Interest rate disclosure Balance history Payment history From this accounts XXXX XXXX XXXX  XXXX XXXX and 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 2018-03-01
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:
Incorrect information on my report, information belongs to someone else. XXXX BANK opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX Addresses : XXXX XXXX XXXX APT XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX, NV XXXX Telephone numbers : XXXX XXXX XXXX If there is another government agency that would be better able to assist, I request my complaint be forwarded to them.

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 2023-08-27
Company: Innovate Managed Holdings, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I purchased my car over a year ago in XX/XX/2022. I have tried working on my credit score and innovate loan service has not reported my payments not once in a whole year to the creditors. Therefore all this time my credit has done nothing. They refuse to fix it saying they are reporting when I have called all the Bureaus and there is no account of my car loan at all. They can not do this to people. It wasn't our chose to have this company. Now I'm the one being punished when I pay on time. Something has to be done. They do not let you speak to any one higher up in charge don't give any answers and don't care just taking people 's money. Horrible customer service. This has to be illegal I have read so many reviews now of it happening to so many people with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I have found some inconsistencies reporting on my credit report therefore I am requesting my original contract, full payment history, any communication which was sent to me for the duration of the lease.

Company response to consumer: Closed with non-monetary relief