BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-03
Company: DISCOVER BANK
State: CT
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:
I had an issue with fraud on my account that took months to deal with and was finally resolved with cfpb, but there is still one more issue. My card kept having late fees and a late balance, but I was not paying them and was told not to since the whole balance on my card was fraud. One agent did not even report the fraud, which is why these late fees were still appearing. Discover claims they notified me that the account was closing, but I never received any documentation due to my mail being compromised. All I would like is for my account to be reopened and sent a new card. I would be willing to open a XXXX XXXXXXXX or have the card sent with some type of signature mailing so I am sure the card will get delivered. I have an excellent payment history with this account and have been using it appropriately before the fraud appeared. I should not be held liable for someone elses actions, so I would like my account reopened with the same credit limit. There is no reason for this due to the whole issue being fraud and Discover failed to provide me with information regarding my account and providing terrible customer service. Also, I was nagged repeatedly to pay a minimum payment of {$35.00} on the account or else my card would be charged off and the agent promised me my account would remain open if I paid this payment and I would be refunded once the investigation was complete. The investigation is now complete and I am not liable for any charges, but my account is closed and I was never refunded the {$35.00}. I dont want to have my credit affected for something that was not my fault and I truly enjoyed being a Discover customer and I loved my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dear Trans Union : I had attempted to contact your agency by phone in regard to my XXXX XXXX XXXX XXXX services account number ending in XXXX. I contacted XXXX XXXX XXXX XXXX  in reference to the balance reported on my XXXX Credit report which was incorrect. XXXX sent the credit bureau dispute to Trans Union. My account now reads " Account in dispute '' and a remark has been added to the account. This was done in error by XXXX the dispute was for XXXX and not Trans Union. Please remove the account in dispute remark on my account because it caused my Vantage score to reduce by XXXX points as a result of the miscommunication. 

Also, the address reported as XXXX XXXX is mispelled. The correct spelling is XXXX XXXX. Please delete the mispelled address. 

Thank You for your prompt attention.

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 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFINDETIALITY UNDER 15 USC 1681. 
XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX ACCNT XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX ACCNT # XXXX, XXXXXXXX XXXX XXXXXXXX ACCNT # XXXX, XXXX XXXX ACCNT # XXXX, XXXX XXXX  ACCNT # XXXX HAS VIOLATED MY RIGHTS 15 U.SC 1681 SECTION 602 A. STATES THAT I HAVE THE RIGHTS TO PRIVACY.

15 U.S.C 1681 SECTION 604 A 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTTEN INSTRUCTIONS.

15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORTCONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATIONANY OTHER ADVERSEITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONSOF CRIMES WHICH ANTENDATES THE REPORT BY MORE THAN 7 YEARS.

15 U.S.C 1681s-2 ( a ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

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 2023-03-08
Company: EQUIFAX, INC.
State: WV
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 have placed two seperate complaints to Equifax, XXXX, and XXXX about WV Department XXXXf Health from XXXX  that is outdated and still being reported without my express written consent from me to place in my consumer report. I have pointed out the date and incomplete data and asked them to remove it. Equifax, XXXX, and XXXX keep telling me that it has to stay on my report because the company says so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
Mortgage loan with Wells Fargo ( and HELOC ) was subject to the CFPB settlement wherein Wells Fargo improperly denied loan modification 9 times, resulting in lis pendens and foreclosure action. Wells Fargo continues to claim a trial period was offered when it was not. 

Wells Fargo identified our loan XXXX XXXX XXXX ) has improperly computations in modification application ( but refuses to acknowledge they improperly denied modification request under HAMP 9 times ) and send a bogus " settlement check '' for {$200.00} on XXXX XXXX XXXX 

Wells Fargo Remediation claims this was a " customer service courtesy ''. 

Lender is well aware of our status as borrowers. In XXXX XXXX XXXX XXXX  Pick-A-Payment '' Mortgage Marketing and Sales Practices Litigation in the ninth circuit XXXX borrower filed declarations seeking relief in class action suit, and as class members were never provided any compensation in settlement entered.

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 2020-04-09
Company: Westlake Services, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I called Westlake financial services, the company that finances my car, on XX/XX/2020, in order to defer my payment which is USD XXXX because our household income was reduced drastically due to the XXXX situation. I was told then that customers are receiving a 30 days deferment on their payments and that I should call 2 days before the due date which is XX/XX/2020, to request a deferment. On XX/XX/2020, I called Westlake financial services again and was told that they no longer approve deferments even though they have approved it for others. I requested equal treatment but was offered an extension of the due date by 4 days and to make half the payment and I am expected to find a way to pay the other half ( no deferment ). Equal treatment was denied by the company saying that this is the decision of the company 's president and they have reached their limit. I was not told about this limit and I actually called on XX/XX/XXXX and was not given this deferment. I have been making payments for 14 months on time yet I was treated differently from others. At a time like this with anxiety, financial stress, and a health crisis going on, it has been extremely stressful and disappointing to be treated unequally and unfairly on top of all that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: NY
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:
The credit bureaus keep disrespecting the laws. I showed them XXXX times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XX/XX/2023 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
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: Information belongs to someone else

Complaint:
I was a victim of Equifax. Data breach and inaccurate information needs to be removed. And the following account. 

Per attached screen shot I did not reside here at the time of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFINDETIALITY UNDER 15 USC 1681. 
XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX ACCNT XXXX XXXX, XXXX XXXX XXXX ACCNT # XXXX, XXXX XXXX ACCNT # XXXX, XXXXXXXX XXXX XXXXXXXX ACCNT # XXXX, XXXX XXXX ACCNT # XXXX, XXXXXXXX XXXX ACCNT # XXXX HAS VIOLATED MY RIGHTS 15 U.SC 1681 SECTION 602 A. STATES THAT I HAVE THE RIGHTS TO PRIVACY.

15 U.S.C 1681 SECTION 604 A 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTTEN INSTRUCTIONS.

15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORTCONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATIONANY OTHER ADVERSEITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONSOF CRIMES WHICH ANTENDATES THE REPORT BY MORE THAN 7 YEARS.

15 U.S.C 1681s-2 ( a ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

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 2022-12-30
Company: Experian Information Solutions Inc.
State: IL
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2020-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am very disappointed that i am having to go through this process once again. I recently called Capitol One about my two accounts and explain that my business has been severely affected by the COVID19 coronavirus in early XXXX. Upon speaking with a representative and explaining the situation i was told i would be receiving relief from my two accounts until i believe either XXXX or XX/XX/2020. It is now XXXX had i just got an alert via my credit report that i have been late on payments and my score has now dropped XXXX   points on all 3 reports. I was in the middle of refinancing my home to balance out debts and i wont be able to do this now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-13
Company: Big Picture Loans, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was not Aware of the interest rate. I was informed I could pay off the balance early to lower my total amount due, but when I inquired about it they indicated I had paid {$780.00} of the {$800.00} loan and the pay off amount would be {$1200.00}. I received email statements, but the interest rate is not listed so I didnt know that monies paid were not going to my principal balance. I feel that the account statements emailed to me should include the interest rate so it can be clear what is being charged. I attached a couple of the emails they sent me if you need to review them. Notice they say no fees and dont have the interest rate listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX, XXXX XXXX bankruptcy : XXXX, XXXX  XXXX bankruptcy : XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: GA
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I initially submitted a formal complaint against Navient in regards to a student loan my wife co-signed for. I made a 1 time payment to Navient to have my wifes name taken off the cosigning of the loan. Navient failed to send a XXXX form to me to submit to the IRS explaining that the loan is not in default or settled. My daughter is still paying on her loan. Because Navient failed to send me XXXX form to submit to the IRS my federal income tax returns have been with held from me for the past 3 years. I have been trying to explain this mistake Navient made to them and I am getting nowhere. On top of that issue, since Navient reported to the IRS that I earned {$24000.00} dollars extra in XX/XX/2016, the IRS is now coming after me for unclaimed income in which is not the case. Navient has not been helpful at all, in fact they are quite rude on the telephone if you can ever get off of being on hold. My first complaint number was XXXX, I just received a notice from CFPD that Navient can not address the issue because of a " unauthorized third party '', I am not sure what that means. I have attached the response I received this morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: IN
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Experian Information Solutions Inc.
State: TN
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2018-03-08
Company: ZIONS BANCORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XX/XX/XXXX, National Bank of Arizona ( NBA ) sought a banking relationship with us by providing 2 money market and 2 checking accounts with the promise of " no fees. '' We moved our relationship that was on a no fee basis to NBA based on their representations ( XXXX XXXX XXXX, Sen VP and XXXX XXXX, President ). The NBA account on-line forms consistently stated no fees if a balance of {$5000.00} was maintained. At all relevant times, sufficient balances were retained. At first, NBA did not charge fees. Years later, the fees would appear on statements. We called and there were reversed. It happened with additional frequency, and we called ( XXXX XXXX XXXX or XXXX XXXX ) on each occasion resulting in a reversal. The fees were hidden with descriptions of " Business Analysis Fees '' or some other veniculer. When questioned, NBA would state that the fees were for not going paperless. We informed them this was a no fee set of accounts, agreed to go paperless and the fees were reversed. Months later they came back without notice or explanation. We called and were informed that they were reversed. With the preparation of the tax return for XX/XX/XXXX, it came to our attention that the fees were not reversed amounting approximately {$900.00} per account taken from our accounts. The precise amount is difficult to determine because NBA will not provide the information even though we have requested it on 4 separate occasions. On XX/XX/XXXX, XXXX XXXX ( NBA Branch Manager ) informed us that they had been taking monies out of our accounts since sometime in XX/XX/XXXX. No notice of a change in policy was sent and XXXX XXXX stated that NBA changed its policy because they felt that after 7 years of no fees, NBA needed to make money. We were not provided with choices to close the accounts and avoid fees, were not provided with notice of any changes in policy, did not authorize NBA to take fees from our accounts and feel as though we as well as others have been victimized by the NBA XXXX similar to the XXXX XXXX fraud recently coming to light.

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