BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-26
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Scammer requested XXXX on 2 separate occasions, which was sent. Figured out it was a scam. Requested back cancel the transaction or refund. Bank currently has it under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: AMERICAN EXPRESS COMPANY
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 received your response, that you close my complaint that I sent, to Investigate the Erroneous Accounts : XXXX - XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX : {$0.00}, that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I am submitting this complaint again, myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
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:
XXXX FIN XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ; are reporting on my personal credit file also the inaccurate name and addresses : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX C XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX  XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2021 was XXXX  in my reports with XXXX, XXXX and TransUnion credit reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file.

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 2015-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I PREVIOUSLY DISPUTED TRANSUNIONS DELETING XXXX CLOSED POSITIVE ACCOUNTS .UNDER THE FCRA THEIR ACTIONS ARE SUPPOSED TO BE REASONABLE RESULTS OF INVESTIGATIONS.IT IS NOT REASONABLE THAT I WOULD BE DISPUTING MY CLOSED PODITIVE ACCOUNTS.I CAN NOT CONTACT THOSE CREDITORS BECAUSE THEY WERE DISCHARGED IN THE BANKRUPTCY AND THEY DO NOT REPORT ON THE CLOSED ACCOUNTS, BUT THEY HAVE NO PROBLEM REPORTING ON THE NEGATIVE ONES.I SPOKE TO SOMEONE AT EXPERIAN AND SHE TOLD ME SHE DELETED THE ACCOUNTS BECAUSE THEY ALL HAD THE SAME ACCOUNT NUMBERS AND SHE DID NOT KNOW WHICH ONE WAS IN DISPUTE SO SHE ASKED THE CREDITOR DAYMET CREDIT UNION AND THEY SAID TO DELETE XXXX ACCOUNTS BEFORE THEIR EXPIRATION DATE.I ALSO DID NOT DISPUTE MY CBNA ACCOUNT BUT THEY DELETED IT ANY WAY.I AGAIN DISPUTE THAT IT IS AN UNREASONABLE ACTION FOR THEM TO DELETE CLOSED POSITIVE INFORMATION.UNDER THE FCRA I AM ENTITLED TO A FAIR AND ACCURATE REPORT.HOW CAN IT BE ACCURATE IF THEY DELETE INFORMATION FROM IT.I HAVE DISPUTED BEFORE AND DAYMET IS IN VIOLATION BECAUSE THEY HAD 5 DAYS TO INFORM ME OF THE DISPUTE AND I NEVER RECEIVED ANYTHING FROM THEM.THEY WANT TO HIDE BEHIND MY BANKRUPTCY DISCHARGE BUT IGNORE IT WHEN DELETING MY ACCOUNTS AND REPORTING LATE PAYMENTS DURING A CHAPTER XXXX.I HAVE DISPUTED WITH BOTH ENTITIES AND THEY HAVE VERIFIED INACCURATE INFORMATION. THEY DELETED THE FOLLOWING ACCOUNTS ENDING WITH XXXX, BEGINNING WITH XXXX, NO ACCOUNT NUMBER BUT A LINE OF CREDIT WITHA STATUS DATE OF XX/XX/XXXX.ALL POSITIVE ACCOUNTS BEFORE THE 10 YEAR REPORTING DATE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Sirs : I have spent the last 6 yrs. trying to give Bank of America and now XXXX 20 % of my debt to satisfy it as I did with a {$30000.00} debt with XXXX a few years ago. The time for collection is over. It has been over 6 yrs.since my last payment as I indicated in my first sentence. This debt should be NOT reported any longer on my credit history. This debt is continuing to be reported on my credit history for a longer period than the law allows. 
I want this debt removed from my credit history by. 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
Consumer complaint received 2016-08-22
Company: WELLS FARGO & COMPANY
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Hi, In XXXX XXXX, I opened Wells Fargo Bank Account along with Wells Fargo SEP-IRA Account. They offered XXXX free trades per year if we maintained a balance of XXXX or more each year. They called it PMA Package. Not all accounts get this benefit, only PMA linked accounts get this benefit. Everything was going well until 2 months ago. Around XXXX XXXX, I received a letter saying my brokerage was not linked to the PMA Package anymore and if I do not take action in the next 30 days, I will be losing the privileges associated to PMA Package. I called the Wells Fargo Customer Service. I was transferred to XXXX different teams, from customer service to premier banking team to Online banking team to PMA team. All XXXX teams told that everything looked good and they were not sure why I received that letter. One person said my account was dormant and that could be the reason why I received this letter. She re-activated my account and said, I am good for now. On XXXX XXXX, I received another letter saying I lost my PMA privilege and my account was converted to an Everyday Account. 
I called Wells Fargo again and they said there is nothing they could do. PMA Privilege is a grand-fathered account and they can not assign us to that account anymore. I asked them, that I called a month ago and talked to XXXX different people. He also admitted that they had notes that I called in XXXX XXXX but he says, he wasnt sure why the issue was not addressed and there is nothing he could do now. 
He said my account was delinked to PMA Package. I asked him, what went different, why did it work for the last 6 years and what happened suddenly and he says, he does not have visibility into that. 
I usually use the XXXX free trades, which translates to about {$900.00} worth of benefit me every year. I hold high IRA balances with them I feel that they are conducting a fraudulent practice. They send a letter that they are deactivating our PMA package if no action is taken, we call them duly on time and they say everything is looking good and we received the letter by accident and a month later, they really take away our privileges

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 2016-05-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received an offer from Citizens Bank for {$500.00} to open a checking account. I opened the checking account, met the offer requirements, and then waited for my bonus. Citizens has never paid me the {$500.00} bonus, citing " internal reviews '' every time I go to the branch to ask about the bonus or follow-up on payment. Meanwhile, I 've been charged {$20.00} per month in service charges while waiting for this bonus for approximately 8-9 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-30
Company: SLM CORPORATION
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
My loan has been paid in full and the check was received on XX/XX/XXXX. I have the USPS tracking info. 

I have tried to call Sallie Mae to explain that the entire amount was paid but each time I call I am disconnected when transferred to escalations. Apparently, escalations handle this issue by paying the account in full. 

I have also tried to email customer service to inform them of the status. However, it's impossible to get to a real human being who is able to help you as the consumer. I'm quite concerned about this company and their practices. 

I just need them to apply the funds to my account, close it, and then to report it as paid in full and to stop contacting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
On XXXX XXXX, XXXX, I learned of a security breach in Equifax. This lead them to advise me that my information may have been provided to unknown parties without my written or verbal consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: LDF Holdings, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I had to switch banks when my oringal account was hacked, which I informed them of. I told at least 6 diffrent agents that once I was able to open a new account I would forward on the new account infromation. I have also asked for a new contract stating the payment scheulde and on what day the money will be taken out of the account. They have refused to email or mail me anything to sign. Instead they just call my place of work and home phone severl times a day. I have no issue paying the loan off, I simply want something in writting to keep them from going into my account whenever they chosse to take out whatever amount they feel like. I have asked over and over again for new agreement in witting, which they are refusing to give me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
ORIGINALLY I FILED WITH THE CFPB CASE # XXXX. MY RESPONSE WAS PARTIALLY ANSWERED! I appreciate that XXXX RESPONDED BUT THEY ALSO CONFIRMED TO THE CFPB THAT THE LATE PAY WAS ERONEOUS AND NOT SHOWING ON THEIR BUREAU, AND NEITHER IS XXXX!!! I am asking for TRANSUNION to Please remove the negative late pay mark against me. I HAVE ATTACHED THE DOCUMENTS TO THE ACCOUNT REFERENCING THIS LATE PAY. This is merely a stall tactic to not address my concern. Pursuant to the FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Do n't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'm having a hard time understanding how both XXXX and TransUnion are violating the FCRA by not blocking these XXXX accounts within 4 business days after the receipt of my letters. I wrote last month letting them know that I 'm a victim of identity theft and that I require these items to be blocked and removed immediately and absolutely nothing happened! I sent my letter, identification, affidavit and police report and it makes no sense to me how they can just disregard this information! 

The account I 'm disputing with TransUnion is : I did n't apply for this, I did n't open this, I did n't do it online or in a store. This is NOT my account! This is a fraudulent account and must be blocked immediately XXXX XXXX I did n't apply for this, I did n't open this, I did n't do it online or in a store. This is NOT my account! This is a fraudulent account and must be blocked immediately 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 2015-07-15
Company: ENOVA INTERNATIONAL, INC.
State: TN
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
I applied for a loan with company and was approved with a initial credit limit of {$650.00} that I could take out cash advances out against so I requested a {$400.00} dollar advance and was approved and I received emails showing all this from company but when it came time to fund account instead of money all of sudden they decide I do n't qualify even though they had my social security number and done check from beginning and still approved it first time should have not been rejected this is fraud doing it based on age .Also I offer to send in all papers showing income and my identity for proof based on letter but they said no which I had no problem faxing the papers to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit reporting, credit repair services, 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 am an authorized user on an American Express card and a XXXX XXXX American Express card. The two cards only show on my XXXX XXXX report. They are not showing on my XXXX and XXXX reports. American Express was contacted this month and they stated that they have been reporting the cards to all three credit bureaus as of XX/XX/2020 and every month thereafter. After contacting XXXX and XXXX, they are stating that they have never received the information from American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
Equifax ; XXXX  and XXXX  should not be reporting that I am ( 120 ) days late on XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo Mortgage Company ( Iowa ) has allowed my flood insurance to lapse ( they escrow for taxes and insurance for my property ) They admitted that it was their fault in a letter sent to me, and subsequently agreed to let me find my own coverage, although they had placed a XXXX forced policy. They further assured me that they would not charge me, and would adjust the amount once I got my own policy. They renaged on their word, and added {$400.00} to my monthly payment which is paid on XX/XX/XXXX and XX/XX/XXXX. 
Per an attorney, I should proceed with getting my own policy, which I did. They got the invoice and my signed application from the Insurance Agency, sent me a letter one day saying that the forced policy has been cancelled, then another letter stating that they place ANOTHER forced policy because the coverage is not enough. I asked the POINTED question, what is the dollar amount that is needed because the amount of my policy was based on the square footage of my home, and the NFIP requirements. I have received no response, and several contradicting answers from the calls that I have made. The new agency has requested that they fax them ( XXXX ) the dollar amount that they required. To date, the response has not been forwarded.. Wells Fargo has been very dishonest, and uncooperative in their interaction with me, and I might add CONDISENDING. Their intention is to direct business to their OWN insurance department at the expense of poor consumers like myself. I have been going through this with them for MONTHS. They will, and have been, doing EVERYTHING not to pay my policy. They got a phone number of XXXX XXXX to call, yet they called a number that is not yielding the appropriate results, which is to get the policy paid. I might pursue legal actions, but I am so frustrated, that I think this company needs to be reported to as many agencies as possible ; and be aware that this has been an ongoing practice with Wells Fargo.

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 2022-08-18
Company: MoneyLion Inc.
State: NC
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:
i paid my account in full with money lion and XXXX finance. i would like for those two companies to have the credit bureaus delete the account information from my credit report. for some reason on XXXX and i believe on XXXX, the accounts are still showing on there after i paid them off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
XXXX XXXX XXXX XXXXXXXXXXXX XXXX XX/XX/XXXX to contactdesk, XXXXXXXXXXXX Good Afternoon, I have from time to used your site to obtain a credit report. Each time I would be asked to pay the {$14.00} for the report and would gladly do so for the information Recently, during a routine audit which recurred reviewing bank statements, I became aware of subscription billing to the service, which I was unaware of up until this point. I am, however, confident that you can resolve this for me and we can reach an amicable resolution within 14 days. Please do not hesitate to reach out to me within the 14 days I will allow. 




Not Authorized : XXXX renewals at $ XXXX= {$730.00} Already Resolved : XXXX renewals at $ XXXX= {$35.00} ( contacted bank who disputed and refunded already ) Authorized : 5 times requested XXXX bureau score at {$9.00} billed ( requesting no credit back as approved this transaction ) Total unauthorized amount : One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX = {$14.00} One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX= {$14.00} Total amount claimed by me : {$560.00} ( I have saved every bank record as receipt of these charges ) My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Transunion login : XXXX Email Address : XXXXXXXXXXXX

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