BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday, XX/XX/2023, I took a cash I was saving to spend on XXXX XXXX, to the Bank of America ( inside bank ) ATM, on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. 
I pulled aside the cash I need, and insert to the machine around XXXX {$100.00} bills, and about XXXX {$20.00} bills, the machine pulled my money, and then gave me a receipt stating an error was happened, and that I should speak to a customer service member, and then only {$300.00} was deposited. 
I called the number, right away, but after holding for about XXXX minutes with several trials, the phone machine said the offices were closed. 
I called the next day, I got an answer that they bank will deposit {$1000.00} as a-temporary credit until they do their investigations. 
nothing was credited, I called agin, on Tuesday XX/XX/XXXX, the associate said sorry, but the money should be deposited within XXXX hours. 
Nothing was received, I called again two days after, this time the associate said that the bank ( back up ), and I should have to wait until they finish their investigations, I told her I need the money, and its not my fault, she asked me to file a hardship, to receive my money, she did it for me.

no money was received, I called today, and associate from customer service in Arkansas called himself XXXX, told me that I have to wait until the investigation is done, and that I have no other options, I asked to talk to a supervisor, XXXX said the same thing, I explained to her that it's not my fault, and I need the money, she asked me to wait for their investigations again, I told her will your bank wait for me to pay a credit card after the due date, she said she can't help me.

I am asking you to justify me against this bank who used it's power to ignore my rights, took my money to their machine and kept me calling and calling and getting frustrated because I need my money, while they don't care.

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 2023-09-15
Company: Block, Inc.
State: AL
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I received refunds totaling about {$550.00} and when they cleared my account they posted as a debit instead of a credit causing overdraft. I paid an additional {$550.00} so they owe me a total of around {$1100.00}. I have contacted them numerous times but they will not help, they just read from a script and will hang up on you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom it may concern, You are reporting this collection Account name : XXXX XXXX XXXX Account number : XXXX With a past due Account balance amount of {$790.00}. This is inaccurate reporting and needs to be removed IMMEDIATELY. This is a violation of the FCRA and is in violation of requisite XXXX XXXX complaint reporting standards. According to the Fair Credit Reporting Act I have the right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable or accurate. Please send me a copy of my credit report when the above deletion has been removed. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: AMERICAN HONDA FINANCE CORP
State: IL
Product: Credit reporting 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:
We purchased XXXX Acura XXXXXXXX XXXX XXXX with traded my XXXX XXXX XXXX XXXX and {$4000.00} down payment on XXXX XXXX  and deal was done and weve been driving the car almost a month. 

I realized that Ive received so many denied letter from BANK and I checked the my credit check history and I found out the dealer has checked my credit after our deal and got so many hard inquiries then my credit score is dropped for XXXX XXXX XXXX XXXX also havent paid off yet so we called the dealer and they told us that the bank denied the financing We were like???? We already done the deal and its been already a monththe dealer never contacted us or notified regarding the financing. 

We are the one who contacted but the dealer should contact us They offered us another deal which we pay {$25000.00} more down payment or get co-signer or return the car back We tried to contact Acura financial also customer service but they told us the vehicle hasnt registered under my name so they cant do anything When We return the car and get the traded car back and down payment back but. 
Isnt illegal that after deal is signed and a month laterthey cancel the deal??? 

When we asked them to provide deletion letter for the hard inquiries because of them, they told me that they can run the credit within 60days after I sign the credit application..yes I did sign but its only for the day we got deal and deal was done on XXXX, XXXX but they run my credit without my authorization on XXXX and XXXX XXXX  and they didnt even contact or notify us regarding financial issue they had.we are the one who figured out by denied letter from Several banks and contacted the dealer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
When running my credit report I notice a few collections and charge off on my account that I did not authorize a XXXX XXXX account for {$4200.00} on XX/XX/2022 and another account with Genesis Credit Management for $ {$6900.00} XX/XX/2022 The method that was use to open the accounts was a photo picture of my ID, Social Security number and drivers License was attain doing all of the transactions. All accounts was open on different dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I expressed to my mortgage company that I had XXXX and was out of work about 5-6 months ago. I was not given any of to forbearance options under the CARES act. Instead I was asked when will I be back at work and and the best they could do is defer 2 months but I would have to make my escrow payments all at once before they would agree to defer the P & I portion. That escrow payment was over {$1000.00} and my mortgage payments are about {$300.00} more. So honestly that was no relief for me. I was told because I got a modification back in XXXX that I was not eligible for another because I can only get one per life of the loan. Because I was sick for about 3 weeks and out of work, it's been taking me some time to catch up on all my bill and now I am behind on my mortgage. I am now due for XXXX with over {$1000.00} in suspense, I tried to call to make a {$1900.00} payment was was told my loan is in a legal status and I can not make a payment with them over the phone, so now I am about to be charged legal fees on top of being sick with Covid. I also explained that I could make another {$1900.00} payment on XXXX XXXX. With 2 {$1900.00} payments and the {$1000.00} I have in suspense, that would bring my loan current but now that it's in a legal status, I'm pretty sure more fees will be added making it harder for me to become current. On to of all of this, I had to take out a hardship on my XXXX to bury my father last month sure to a car accident. I have proof of this as well. I can provide my father 's death certificate and proof of my XXXX hardship withdrawal. I've been with Vanderbilt Mortgage since XXXX and this is the first time I've ever been late on my mortgage payments in 14 years. This is not the first time during the pandemic I was denied help but. I didn't complain the first time because I made a way to keep my payments current but this time had really taken a toll on my and to immediately go into a legal status when I communicated I had Covid is just inconsiderate.

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: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone use my information to purchase a vehicle I reached out to the consumer to let them know once I was aware of this account I would like this removed from my account immediately please thank you I did not purchase a car with this company I been sent in a police report stating my identification was stolen and they had the person in custody for using my name

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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.

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 2023-09-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 
Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You are violating my rights! The reports are not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

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 2023-09-22
Company: Experian Information Solutions Inc.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I respectfully ask for a swift update of my account with the accurate and precise information. Your prompt response in resolving this issue is highly valued.

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 2020-07-28
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
on XX/XX/2020, XX/XX/2020 I called the company several time to have the account removed. Before that I've sent several validation letters only to receive nothing in return. The company is not cooperating l and when i call they constantly send me on the runaround. I cant get any information and then when i do talk to someone they tell me to contact the credit bureaus to have it removed. Each time I dispute it the company says that they verified it, that is not true. They can not produce any paperwork or remove it from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EdFinancial Services
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XXXX. I can not afford to pay a monthly amount of ~ {$800.00} toward my student loans, and I need to change my repayment plan from XXXX to Extended Fixed Repayment plan. 
XXXX. I was approved for the borrower defense student loan discharge. I need to confirm how much of my loans will be discharged and how long that process will take. So far I only see about half the amount removed from my total loan balances. 
XXXX. I am currently in school full-time this semester, half-time next semester, and am on track to graduate next XXXX. I need to know if I can be placed on in-school deferment during the time I am enrolled in school. 

First, I had to wait until 2 weeks ago to make the first contact to customer support because they were in the process of moving my balance from one servicer to another and all I could see was a {$0.00} balance and no monthly payment information. Finally, I was able to see my balance and monthly payment info on their website as of XXXX. 

Their website says I must contact customer service through phone call, email or chat. I tried their online chat service, but I only get an error message that states the chat service is down. I emailed them twice within the past 2 weeks and have not received any replies. I have called multiple times at different times of the day only to get an automatic message saying my hold times would be 6+ hours each time. I have tried every way possible to contact their customer support but can not get through. I need someone to contact me regarding the 3 issues I listed above before my first payment is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I have credit inquiries on my report that do not belong to me

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 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is what was sent to each credit bureau : XXXX, XXXX, & Transunion Notice To Agent Is Notice To Principle Notice to Principle Is Notice To Agent RE : Violations of Consumer Laws and FTC laws/guidelines To whom it may concern, BE ADVISED, this is not a refusal to pay. I dont accept or deny this debt account, and this is not a request of validation of this debt account. Im writing you to let you know that youve violated FTC laws/guidelines and my consumer rights. 
According to the Gramm-Leach-and-Bliley, Also known as the Financial Services XXXX XXXX XXXX XXXX Debt collectors are Financial Institutions. Why is this important? Let me explain. 
According to 15 USC 6802- Obligations with respect to disclosures of personal information, ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2023-12-19
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I wrote check # XXXX out of our Wells Fargo account on XX/XX/2023, and it was stolen out of the mail. The payee was changed and it was cashed at XXXX XXXX  in XXXX, XXXX. They had also attempted to change the written amount, which did not match the numeric amount. Wells Fargo asked me to submit an affidavit stating the check had been altered, which I did, and after 90 days told me the bank of deposit ( XXXX  ) claimed it wasn't correct. Wells Fargo asked me to resubmit another affidavit, saying the check was counterfeit, which I did on XX/XX/2023. 

XXXX XXXX, the client service officer handling the case just emailed me ( XXXX ) to say they " were unable to retrieve the funds, '' and that I should file a police report ( which I already did on XX/XX/2023 ) at the XXXX precinct in XXXX XXXX. 

Wells Fargo is obviously acting in bad faith and not protecting me from fraud, even though I used best practices.

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 2023-10-18
Company: EQUIFAX, INC.
State: AZ
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:
The following information doesn't belong to me these accounts are fraudulent. I am a victim of identity theft my information was stolen. I demand Immediate removal from my credit report. This is a violation of my consumer rights and defamation of character. These accounts have cost me almost a XXXX deduction from my credit report. I demand immediate removal I have never had any business or relationship with these creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
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:
LITIGATION : I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens mo. 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: MI
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:
XXXX credit bureau has One ( 1 ) open account being reported with inaccurate balance. The balance should be XXXX notXXXX. XXXX credit bureau has refuse to correct the inaccurate information they are reporting. Enclose you will find documents to support my claim. The document clearly states the 1open account but wrong balance.

Company response to consumer: Closed with explanation