BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-23
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Received a {$50.00} digital AMEX gift card ; website claims the AMEX gift card can be used anywhere AMEX is accepted. XXXX, XXXX, XXXX, XXXX XXXX all declined purchases with the card. Stores will not accept the card unless I had a physical card to swipe, digital online stores won't accept the card period, even if the transaction is less than the card amount. 

Balance online says it has {$50.00} on it ; activated in XX/XX/2023. Unfortunately no matter how many times I attempt to use the card I always receive an error. I've never had this kind of trouble with a card before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am bothered! I have been sending dispute letters to the Credit Bureaus regarding the removal of the fraudulent information from my Credit report and yet they have done NOTHING! The last letter I sent to the Credit Bureaus was XX/XX/XXXX with complete attachments of my personal information such as Driver 's license, my SSN, and proofs of address to inform the Credit Bureaus that it is me who have been submitting the complaints. I have read that the Credit Bureaus are required to remove any account that resulted due to identity theft under the Fair Credit Reporting Act section 605b. I have been highlighting this Federal law to my letters to remind the Credit Bureaus about heir obligation. Also, I have been asking the Credit Bureaus that they provide me copies of documentation bearing my signatures to support the Credit Bureaus ' claims that the disputed accounts belong to me and yet they have also failed to do so! These accounts were never mine! And neither did I received anything in exchange nor benefits as a result of the identity theft! under the FCRA section 605b, I would greatly appreciate it if the Credit Bureaus would remove these items completely from my Credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$0.00}

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 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Debt Amount : {$1900.00} Date opened XX/XX/2023 All of this above information is false, inaccurate and this is my second complaint. I have disclosed that I did not live at the residence the XXXX  account is associated with. The house was sold to XXXX and XXXX XXXX. I will be attaching the deed title to show proof. This debt belongs to the XXXX not XXXX. I have reached out to this company and they continue to state this is my debt and it is verified which is a LIE. 

I have not lived at that residence in years and this account is from XX/XX/XXXX of XXXX. This information, date, debt, address, is all false and incorrect. You are violating my fair credit report rights.

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 2023-09-21
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed items inaccurate on my credit report. This is not my debt. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency.

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 2022-12-30
Company: MOHELA
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I filed for XXXX this fall after consolidating my loans with MOHELA. Its has been months and nothing has updated on my account. I have worked at approved nonprofits for 20 years. And its like a black hole. I got all the paperwork and XXXX forms in by the deadline. And nothing has really happened. My payment count has been 3 for a long time. 
There is no way to speak to a human being without waiting on hold for an incredible amount of time. I work!!! I can not be on the phone for hours on end. They do not reply to emails and I just can not seem to find any way to talk to a human who knows what is going on. 90 business days is a crazy amount of time. I have worked hard to get everything in and now I just feel like it went in the trash or something.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
BofA ended my automatic bill payment, unclear why, which has been steadfast since the inception of this account. I always pay in full and I always pay on time! They claim I did it myself. The only way this could have append is they have made there website so confusing that it is impossible for a normal person to navigate safely. I had zero intention of end the payment system. I got no notification of this horrible thing when it happened to boot. BofA is the responsible party. They pushed this on me in the beginning and it malfunctioned. All I want from them to put the $ XXXX back on my account. And help get this ridiculous payment thing set back up again ; since the software took off and deleted it. Its a small ask considering the misery their software and bank people have put me through. 


Bank of America XXXX XXXX XXXX MasterCard Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA 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 2022-11-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Applied for Wells Fargo Visa Signature Card on XXXX XX/XX/2022. Approved. But since then the card is not being sent at all. Called today. The customer service lady who picked up the phone call was laughing for no reasons. Asked to be connected to Escalation team and then talked to XXXX XXXX. She said that card was sent out yesterday only. Why in the world it's almost 18 days and the card is not being sent even after approved application?

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 2022-11-29
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XX/XX/2022. 
PLEASE DELETE INQUIRY. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2022-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I have been a customer of Bank of America for over 30 years. I got laid off last year and noticed that my savings was going down and now I have been hit with fees. I called the bank and asked them to wave the fees and they declined so I closed my account with the person on the phone... I asked her to put the balance into my savings account and close the account. She said fine. I did not notice that she let {$2.00} in there until I was hit with another fee. First, why would she leave money in there? i asked her to close it and transfer the balance. She was very nice but it is a scam. WHen I noticed that I was hit with another fee I immediately called the bank and told them what happened and tehey would not waive the fee and said the only way to close the account was to pay the fee and then they would close it. Even though It's clear that I was closing the account. Today I had to pay that bank another {$12.00} to close my account. I am now in the middle of putting my pay by checks onto my chase account. This is downright 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 monetary relief
Consumer complaint received 2022-06-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi, my name is XXXX XXXX. I am contacting the bureaus today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: AES/PHEAA
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
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 XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. There is no third party involved or any Credit Repair company working on my behalf.I have a loan with FEDLOAN. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX Credit Bureau with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. Below is the account that is reporting on my Credit Report : FEDLOAN XXXX Balance {$0.00} Date opened XX/XX/ 2000 2000

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Nelnet, Inc.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was charged for an auto-debit amount that I never approved. The only amount that I ever agreed to was {$29.00} and Nelnet charged my account for {$320.00}. When I explained my extreme circumstances, I was met with just a refusal to refund the amount that was never approved by me. 

I was in a car accident and have been dealing with the consequences of that and Nelnet refused to work with me at all on this. They offered no way to return my funds, regardless of whether I approved the total or not. 

The original approved total would have been acceptable and this is just theft. 

They stole {$290.00} from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Mr. Cooper Group 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: Account status incorrect

Complaint:
Reference : Removal of late payment ... over 7 years I called the XXXX- No Answer or response I called and email a letter to XXXX XXXX  XXXX- the updated the report- but did not remove the Negative status and its been over 7 years.

I called and emailed Mr. Cooper/NationStar Mortgage- they acknowledge the length of time and stated I should expect a letter removing the negative report from my credit report. As of today, I still haven't seen a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: AZ
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:
Wrong addresses on file. 
Remove both XXXX XXXX XXXXXXXX XXXX XXXX az XXXX XXXX XXXX XXXX XXXX XXXX az 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 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to formally register a complaint regarding the numerous unsuccessful attempts I have made to remove fraudulent items from my account. The persistent presence of unauthorized transactions has caused significant distress and concern, necessitating immediate attention and resolution. 

During my initial contact, I provided details of the fraudulent transactions and was assured that an investigation would be initiated. I was also informed that the necessary steps would be taken to remove the unauthorized charges from my account. 


Subsequent to the initial contact, I have made multiple follow-up calls to inquire about the progress of the investigation and the status of the removal of the fraudulent items. Unfortunately, despite assurances, the fraudulent transactions remain on my account. 
The lack of resolution to this matter is deeply concerning. The repeated failures to remove the fraudulent items have not only caused financial strain but have also eroded my confidence in the security measures of your institution. 
Requested Actions : I urgently request the immediate and complete removal of all fraudulent transactions from my account. This is essential to mitigate the financial impact and restore the integrity of my account. 

I implore your team to expedite the investigation into these unauthorized transactions to identify the perpetrators and prevent any further compromise of my account. 
Communication Clear and regular communication on the progress of the investigation and the steps being taken to rectify this situation is vital. I expect to be kept informed throughout the resolution process. 

Given the distress and inconvenience caused by these fraudulent transactions, I request fair compensation for any financial losses incurred. Additionally, I seek assurance that enhanced security measures will be implemented to prevent a recurrence of such incidents. 
I trust that you will treat this matter with the utmost urgency and diligence it demands. The timely resolution of this issue is crucial to restoring my confidence in the security of my account. I am asking for your assistance to remove these fraudulent items in my credit file : 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 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 2022-06-27
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
JPMorgan Chase Bank , N.A . has failed to take responsability after giving another person access to my bank accounts, locked me out of my online account, changing address, alerts and personal information and requesting a debit card to another address to empty both my accounts. 

It has been a month since I first tried to report it ( XX/XX/2022 ) and they gave an answer on XX/XX/2022, they insist on saying I made those changes and transactions even after I sent them both XXXX and american police file reports, a Federal Trade Comission report and a Consumer Financial Protection Bureau complaint where I declare that I was a victim of theft and did not request those changes. 

The ammounts are {$10000.00} USD on a checking account and {$31000.00} USD on my savings account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-29
Company: Maximus Education, LLC dba Aidvantage
State: MI
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:
Requested a Refund on XX/XX/2022 from Aidvantage for payments made during COVID. At which time i was told it would take 4-6 weeks to process and would be repaid the same way it was made and confirmed it was still the same bank account on file. 
XX/XX/2022 Called for an update and was told 6-8 weeks. The approval date was on XX/XX/2022. 
XX/XX/2022 XXXX Called for a update had to look for my loan request was now told 8-12 weeks for ACH direct deposit and 10-14 weeks for check. Then i was told request was put in for a check and there was nothing they could do. 
XX/XX/2022 XXXX called back talked to another representative who also had a hard time finding my request. She stated it was still processing on there end and that she could put a note for request via ACH still.

Currently almost 9 weeks in today and no updated balance since the initial 4-6 week window i was told, initial request was put in on XX/XX/2022. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, 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 a letter to 3 credit bureaus on XX/XX/XXXX to Investigate the Erroneous Accounts : XXXX - XXXX XXXX XXXX XXXX Late Dates : XX/XX/XXXX, XXXX ; XXXX XXXX XXXX Late Date XX/XX/XXXX that are 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. I am submitting this complaint 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 2022-06-07
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 sent a letter to 3 credit bureaus on XX/XX/XXXX to Investigate the Erroneous Accounts : XXXX - XXXX XXXX XXXX XXXX Late Dates : XX/XX/XXXX, XXXX ; XXXX XXXX XXXX Late Date XX/XX/XXXX that are 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. I am submitting this complaint 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 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