BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed inquires from XXXX XXXX to XXXX XXXX because they were unauthorized, They sent me a letter telling me to contact the company, when i did contact the companies they did not respond either. I sent another letter telling transunion that and they sent another letter saying that all inquires are accurate to contact the creditor. I called transunion and they removed them only to add them back on my report 2 weeks later without a notice. A car loan from XXXX i disputed because i never agreed to a car note. I contacted the people who had the car and they told me that there was nothing i could do even though i was not liable for that account. When i disputed the account they told me they got information that it was my account. I asked them to send me information that helped them reach that answer and was told they couldnt sent that information to me it was against the law. 
The collection account listed is not reporting right, i asked them to remove the inaccurate account and i never got a result letter in the mail. for 2 years i have been disputing the negative accounts because they were inaccurate to only get the run around.

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 2022-10-19
Company: FinCo Services Inc DBA Current
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a checking account with a bank name Current i recieved two stimulus checks to this account unknowingly the money sat in the account for over 8 months In XXXX my account was charged XXXXXXXX XXXX  numerous times collecting all the funds from my account i now have XXXX XXXX  in my account The bank is saying they see no fraud in the transactions but every charge have been fraud to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: CURO Intermediate Holdings
State: DE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received two letters from Ad Astra Recovery Services saying I am seriously delinquent on a loan taken out in XX/XX/2022 from XXXX XXXX I don't know anything about this company nor have I borrowed money from them. 
Company is XXXX XXXX. Amount they say I owe is {$410.00}. 
Ad Astra Collection Agency File # : XXXX I called Ad Astra Collection and they identified the claim by XXXX XXXX and put a flag on it pending notification from you. Their Phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I 've been a Citi Thank you card member for 6 years. Over the years I rarely used the card due to many inconveniences with my online account and poor rewards program. I called Citi Cards back in XX/XX/XXXX attempting to give Citi another chance by converting my card to the XXXX card. I called in XX/XX/XXXX to get a status on the conversion and the agent told me the conversion took 45 days or so. Today is XX/XX/XXXX and I was told by Citi Customer service that there had been some sort of delay with no expectation on when the conversion was going to happen. The agent did not care for my frustration nor attempt to make things right. Both agents I spoke with seem flustered and not confident in their ability. Out of frustration I decided to close the card but I really thought they could give me a more positive response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
The card was lost. some of the charges are inaccurate, they closed the account several years ago and charged it off. however they still continue to send me emails stating American Express recently sent me a communication about different settlement options that are available to help you resolve the balance on your account referenced above for less than what is owed. 

These offers are time sensitive so please click the tab below to review and select the settlement option thats right for you by XX/XX/2022. the account has been closed and charge off for several years. but they continue to increase and update the ballanc. the same on the account is spelled wrong. the charges on the account happen in XXXX. I to send me a original contract, the payoff disclosure and the Balance history, payment history to verify the signature that its my account are they need to remove it from my file. again my name is XXXX XXXX XXXX not XXXX XXXX thats incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I receive checks from my employer as 1099 worker on the XXXX and XXXX of the month. The past 3 time my checks have been held for 4-5 days. I talked to Bank of America XXXX and was told because 1 of the checks was chargeback so from now on every check deposit will be put on a hold. The problem was it wasn't my fault for the chargeback. My employers went on vacation and was not able to answer the call from their bank. And it was a 1 off incident during my 6 month employment with this employer. As a 20 year customer, I feel that I am being held liable for 1 off mistake that was made by someone else. I should be able to pay bills with my hard earn money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have tried to reach TransUnion to no avail ... they are NOT responsive. 
They have me listed as a " delinquent account '' with XXXX XXXX XXXX which is totally inaccurate. I charged a recliner with XXXX in XXXX XXXX ( or XXXX ) for $ XXXX with XXXX XXXX XXXX. I paid monthly for a year and totally paid it off! Then I considered buying a bedroom set with XXXX ( XXXX?? ) and the salesman noted that I already had an account with XXXX XXXX. However, I DID NOT BUY THE BEDROOM SET! But ever since then TransUnion has reported me as having an account and being delinquent which is totally INACCURATE. They have messed up my credit score unfairly and this issue needs to be resolved once and for all. There is NO account with XXXX XXXX XXXX. ( I have receipt for recliner but do n't know how to attach 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 2015-11-19
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
My mother and I took out a student loan through XXXX years ago and it was eventually taken over by American Education Services or AES. My mom makes payments to the loan every month and has been making the payments the same way for the past XXXX or 6 years. Recently AES took over another loan of mine that I had through XXXX with my father, it was a much smaller loan compared to the one I am complaining about. They took this XXXX loan over XX/XX/XXXX and when they did that part of the payments that my mom was making to our larger loan was being applied to my smaller loan. This was an error on AES part. My mom filed a complaint through you already and AES also sent a letter apologizing to her for the error that they made and informed her that they requested for the derogatory information be removed from her credit report and that her credit would be fixed within 60 days. Her credit is now fixed with her score rising back to where it was prior to this happening, however, my score suffered as well and was never fixed. I filed a dispute through credit karma and the dispute was completed saying they removed the derogatory information from my report however, when I pull up my score it was never corrected. Also, when I pull the payment history it says 30 days past due XX/XX/2015 which is incorrect. Any help getting my credit score fixed from this would be a great help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/XXXX : My PayPal account was permanently suspended. 

XXXX, XXXX : After a three hour conversation with a supervisor at PayPal, they *did not divulge to me the reasons for their decision*. I was repeatedly told : " PayPal is under no obligation to tell you the reasons for their decision '' and " PayPal never makes mistakes. '' I was given no reason for the permanent suspension. And I have no idea why - I have not violated any of PayPal 's policies. 

XX/XX/XXXX : PayPal informs me they will be freezing my funds for 180 days. So, I can not use their service, nor can I withdraw my balance. Absolutely no reason has been given. 

XX/XX/XXXX : Complaint made with the XXXX XXXX XXXX After a few email exchanges, nothing was resolved and PayPal continued to withhold my funds. 

XX/XX/XXXX : I realize my account is still active. I no longer wish to be associated with PayPal. I attempt to close my account. I am unable to do so. 

XX/XX/XXXX : After a three hour conversation with PayPal, I am told they can not close my account. 

This means PayPal still has access to my bank account. 

They have suggested I change my bank account. 

I find this unacceptable. I do not wish to be associated in any way whatsoever with this irreputable company, nor do I wish for them to have access to my bank account. I do not trust this company at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
RE : 15 U.S. Code 1681g - Disclosures to consumers I am writing this complaint to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. 
Currently NAVIENT is reporting XXXX charged off Signature Loans that were originally serviced by XXXX XXXX. I recently learned that XXXX loans are being reported for a school that I NEVER ATTENDED and from research discovered that does not exist. 

I have never attended any XXXX! 

School XXXX XXXX XXXX XXXX XXXX Lender NAVIENT CREDIT FINANCE CORP Disbursement Date XX/XX/2006 Original Principal {$3000.00} School XXXX XXXX XXXX XXXX XXXX Lender NAVIENT CREDIT XXXX XXXX Disbursement Date XX/XX/2006 Original Principal {$7000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/16 I deposited a check drawn on a local bank for {$290000.00} into my business account at SunTrust Bank. After waiting two days I paid invoices to my accountant, my insurance agency for my business liability, a payment to XXXX XXXX, a credit card I use for my business, my local business tax, XXXX XXXX XXXX etc. 
In a couple of days I had received information from my accountant that their check had come back. I then received an email from my insurance agent that the check to the insurance company had been returned ( causing my requirement to obtain a money order or cashier 's check because they would not accept any other form of payment at that time ). I determined to go to the bank and resolve whatever issue as needed. 
I had called XXXX XXXX on another matter and at the beginning of the voice response on their system I was told I had a balance due ( I had sent a payment on XXXX/XXXX/16 ). After speaking with the representative I asked about the voice prompted statement. She told me the check to them had been returned. I asked about what effect this would have and she responded that they had reported a late payment to the credit reporting agencies. 
Before I could get to the bank I received a notice from SunTrust ( dated on XXXX/XXXX/16 and received approximately on XXXX ) stating that they were holding the check until XXXX/XXXX/16 because it was out of my normal activity, and exceeding the average balance ( please see attached ). Quite often my deposits are over the XXXX dollar value?? 
I went to the bank and the officer I spoke with was quite astonished this had happened. She wrote me a letter ( see attached ) to explain the bank was at fault. However, I am very angry and may move my business account. 
I am in the process of selling my home and purchasing another. This event will not help me. I can not believe a bank can arbitrarily hold my funds, I believe they should be held accountable, can you help me. 
Thanks Regards 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 monetary relief
Consumer complaint received 2022-10-12
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-19
Company: Action Collection Service
State: ID
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 recently filed bankruptcy and two companies are still reporting the accounts being open and showing negative on my credit reports. Neither company showed up at the court hearing. I've filed disputes through XXXX XXXX and they are still on there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XXXX XXXX, 2016 I noticed an un-authorized withdrawal from my business account with Bank of America. The payment was made to XXXX for the amount of {$1100.00} dollars. I notified Bank of America immediately and was issued a temporary credit to my account on XXXX XXXX, 2016. On XXXX XXXX, 2016 I saw another charge paid for the same amount mentioned above for {$1100.00} dollars. I do n't know why Bank of America did not conduct an investigation and protect my account against this fraud after my initial complaint. This unauthorized payment resulted in an overdraft and fees. I did not sign a contract with XXXX, nor did I engage in any self-service activity with 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 2015-03-21
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
A student loan was obtained through XXXX. Mine. This company Amercian Education Services / Naitonal Collegiate Trust was informed that this account has been a result of XXXX but they are still sending this account to a collection agency for collection. The collections agencies after been advised that the account is a result of XXXX they continue to forward it to other debt buyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: SUNTRUST BANKS, INC.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In 2013 I had to file for a chapter XXXX XXXX. Suntrust is our mortgage company and from the day of the XXXX on they have continued to make mistake after mistake on our mortgage. XXXX off, we did not miss a single payment nor have we. Suntrust took all of our payments and put them in a " secret account ''. Then we got notice that after we completed the documents to continue the ownership of the house, Suntrust falsely reported on our credit that we had not made our payments. Then, we notified Suntrust of their mistake " took 6 months easy for them to realize their mistake '' they then rebuilt our payment history but never took the Credit reporting mistake off of our credit. Then today, 6 months after the XXXX was completed, notified us that they have foreclosed on our house. Once again, we have made every payment electronically and never have received anything from Suntrust to say anything about any lack of payment. We emailed them again and once again, are looking into it. I can provide all documentation off of our Suntrust account and would like this XXXX to end. Any help from anyone else is graciously appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
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:
Filled a dispute with experian who stated it will remain on my credit even though it is XXXX XXXX old and also has wrong loan amount, wrong payment history and wrong highest balance. They refuse to remove the account as it has inaccurate information

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 2015-10-10
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My interest rate increases from 3 percent to 13.12 percent every XXXX ; even though I am on an adjusted interest payment plan. My payments are suppose to be {$220.00} every month as long as I submit to an automatic debit even though the payment fluctuates. I asked for information on the type of payment plan and the restrictions, requirements, and events but I am always told " you will receive that information via email '' but I never receive anything. My renewal month is XXXX each year for which I receive an email ( enclosed ) in early XXXX to which I promptly respond. 
My interest rate should not increase like that if I am on a payment plan, renew ontime, and pay ontime? 
Best regards, XXXX supporting documents

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: CAVALRY INVESTMENTS, LLC
State: ID
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 recently filed bankruptcy and two companies are still reporting the accounts being open and showing negative on my credit reports. Neither company showed up at the court hearing. I've filed disputes through XXXX XXXX and they are still on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising

Complaint:
In XXXX of 2021, went to XXXX XXXX to get cars on a lease. Told the representative to run credit with just XXXX XXXX. Credit was ran through XXXX different agencies creating XXXX hard inquiries. Also was coerced into putting a down payment for the vehicles totaling {$4000.00}. Under US 15 1661 this is a violation of consumer law. In addition, Toyota Financial has shared my information with third parties with my consent or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: MoneyLion Inc.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Money loin has been paid what I owed them. 
They have approved me for XXXX XXXX witch was used, and re paid Money loin also approved me for a {$500.00} credit line witch I can not with draw unless the {$500.00} is paid over time by myself. 
In a photo below you will see that money loin was re paid for the XXXX XXXX loan. But the credit line was never used and the company is insisting that I owe them money that was never received by me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation