BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hi, I had a problem with a XXXX manufacturer, they did my product wrong and they just sent it to me like they did it, which it was metal earrings but they were damaged in the process of making them, some of them are missing metal, some of them are bent completely and most of them which are 200 earrings the metal is raised so i cant sell them like that or its going to cut people. All of 200 earrings are damaged, there is not one that is not damaged. 
I worked with other XXXX manufacturers and i know their policies, when you get a damaged product they are supposed to either re make it or refund you your money back, that didn't happened. 
I begged the person i was working with and she will ghost me and refuse to re do the product again, also refuse re funding me my money back. I initially paid the product up front with paypal on XX/XX/XXXX last year. I paid {$410.00} with paypal. 
I received the product late XXXX which it was supposed to be done on XXXX and after I received it I sent pictures of the damaged product to the manufacturer, spend several months trying to get my money back and trying to work with them to re do my earrings if they were not going to refund my money, but it was a waste of time because they didn't respond to my messages and emails. So I called wells fargo to open a dispute and I talked to the representative and she took notes, I told her i have evidence and pictures of the damage product. She told me they are going to resolve the issue and get my money back and they sent the report to the fraud department. They didn't contacted me back on the phone, they just sent me a letter saying that they cant do anything about it because the charge was through pay pal, and that's it. My bank wells fargo didn't help me at all. 
Please help me I know {$410.00} is not a lot of money to some people but it is to me. 
Thank you

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 2018-10-17
Company: CITIBANK, N.A.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened up a Citibank checking and savings account under a promotional period. The promotion stated that I fund the accounts with {$15000.00} of " new to Citibank '' money and maintain the balance for 60 days. At the conclusion of the 60 days I would receive a deposit of {$400.00}. Opened a Citibank checking and savings acct on XX/XX/XXXX. 
Funded it with {$15000.00} on XX/XX/XXXX. Called mid XXXX to see where to promotional deposit was and was told that it was 60 days of having funds in the acct plus the additional 90 days of processing to see the promotional deposit. Called XX/XX/XXXX and was told that the XXXX XXXX holiday on Monday pushed the distribution by a few days and that I would see the money by XX/XX/XXXX. Called XX/XX/XXXX since I have yet to see the promotional money and now am being told that my acct does not show any sort of a promotion attached to it. Investigation was started on the XXXX and called XX/XX/XXXX to follow up and was hung up on.

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 2021-07-07
Company: UNITED CREDIT CORP. OF SOUTHAVEN
State: LA
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:
Harbor Loans in XXXX, La is running a hard inquiry on my name and social security number over four times without my permission. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX which is a XXXX party company XXXX  ( stole ) my vehicle on XX/XX/2023. I was not given proper notice from the original creditor, PenFed Credit Union which a complaint will be filed against them as well. I did not receive a letter from PenFed the original creditor until on or about XX/XX/2033 and it is dated as mailed out XX/XX/2023, however my vehicle was repossessed ( stolen ) on XX/XX/2023. PenFed Credit Union gave XXXX XXXX XXXX which is a XXXX party company all of my personal information without my permission or authorization. I never entered into any contracts or agreement with XXXX XXXX XXXX so PenFed provided my personal information to this company which is a violation. I did not give them permission or authorization to use my information ( name, address ect ), nor did I give them permission to take my vehicle. 

There are things PenFed never disclosed to me in my original contract including they did not give me notice of my right to recission, they are reporting late payments on credit report and using unfair practices. Penfed failed disclose many things to me which are outlined in the letter that was mailed to PENFED on XX/XX/2023. They are threatening to sale my vehicle on XX/XX/2023 without giving me time to respond or dispute and failure to give me any notification prior to illegally stealing my vehicle. 
I

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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX 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 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Transunion is continually reporting inaccurate and misleading information in my credit file. I have filed several disputes and get no where as far as having these inaccuracies removed. According to the FCRA I have the right to request that the furnisher provides proof that these accounts are mine and Ive never received any proof of account ownership after many requests. Specifically a discharged bankruptcy from 2016 that is continually reporting inaccurate and still no proof that it was verified with the COURT DIRECTLY WITH A NAME TITLE ETC. of the person providing this proof. They are painting a very inaccurate picture of my credit history and financial responsibility and it is affecting me tremendously I am being denied for accounts that do not belong to me! Im so exhausted trying to fix my credit Ive been trying for years to get them to do their job. XXXX  removed that same bankruptcy over a year ago because it could not be verified and they followed the law. Im desperately asking you all to step in so that maybe I can finally get Transunion to remove this false information and reporting on 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 explanation
Consumer complaint received 2023-03-11
Company: Experian Information Solutions Inc.
State: NY
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. You guys have violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681 Account Name ... XXXX XXXX XXXX Account Numbers # Has violated my rights. 15 u.s.c 1681 section 602 A. 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 an account without my written instruction. 15 u.s.c.1681 C. ( A ) ( 5 ) section state : 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 conviction of crimes which antedates the report by more that seven years. 15 u.s.c. 1681 s-2. ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate. Iam a natural person, Iam a living human being I have the right under 15 u.s.c 1681.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: WV
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:
The bellow 2 accounts were added to my credit file only once they went to collections. I didnt open either of these accounts and only discovered them in XXXX of XXXX. Both accounts are fraudulent and have been reported to identitytheft.gov. 

1st fraudulent account Originial creditor : XXXX XXXX XXXX Account # XXXX Amount owed : {$13000.00} Placed in collections : XX/XX/XXXX 2nd fraudulent account Originial creditor : XXXX XXXX Account # XXXX Amount owed : {$2700.00} Placed in collections : XX/XX/XXXX 22

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 2022-02-17
Company: GUARANTEED RATE INC.
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My wife and I entered into forbearance on/around XX/XX/XXXX on our personal residence. 

XXXX XXXX XXXX, I contacted loss mitigation ( a 3rd party ) of Guaranteed Rate -- the lender for our personal residence. I told them I wanted to pursue a loan modification and come out of forbearance. 

I was to make XXXX on-time monthly payments in order to 'properly " come out of forbearance until the modification could be completed. I made my 1st payment over the phone. I was told to wait 3-4mo for an answer to my request to modify our loan -- while making payments -- which I continued to do. 

I heard nothing for 3-4mo. I called back with regularity in XX/XX/XXXX and was passed around from representative to representative who did not know what to do. 

XX/XX/XXXX : Senior Representative XXXX XXXX ( XXXX ) was helpful for some forward movement. She let me know that XXXX was the processor on my account, yet XXXX contacted a Supervisor of processors, XXXX XXXX to find more info. 

XX/XX/XXXX : Some info came from XXXX XXXX my loan is a " XXXX XXXX. '' I spoke to senior representative XXXX XXXX. who found another avenue to contact -- of which no information ever came about. 

XX/XX/XXXX : I gave up hope for a loan modification. I called Loss Mitigation, and spoke to Representative XXXX ( XXXX ) who changed and supposedly processed my request from a Loan Modification to a Loan Deferment. She again said this would take yet another 3-4mo to complete and I would hear back soon that the process was started. -- I never heard back. 

XX/XX/XXXX : I spoke to Supervisor XXXX XXXX ( XXXX ) who submitted a complaint for me which would " Red Flag '' the account. He also told me my loan is a XXXX XXXX and this was new to him. 

XX/XX/XXXX : Supervisor XXXX XXXX ( XXXX ) said my account must go through Master Servicer XXXX XXXX XXXXo remove the " XXXX XXXX '' on my loan to Guaranteed Rate would have the authority to work on it. XXXX said my loan had been escalated to upper level management XXXX. 

XX/XX/XXXX : I heard nothing for a long time after many calls to get back in touch with Supervisor XXXX XXXX. I finally spoke to him on XX/XX/XXXX and he had no new information to give me, except that he is getting inundated with these type loans now. he said I am not the only one in this position. He said he was going to follow up with XXXX and a XXXX. He did say a Client Manager, XXXX XXXX, said the " master servicer has to reach out to XXXX XXXX to get the XXXX XXXX removed. '' XX/XX/XXXX : I still have heard no response. 

I have been unable to refinance this and my other properties this whole time, as no lender will give me a new loan ( s ) until I am out of loss mitigation, have made on time payments, and the look of my personal residence mortgage statement does not say I am behind on any payments. We are losing equity and have missed lower rates. We need recourse against Guaranteed Rate and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: SYNCHRONY FINANCIAL
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been disputing this debt since 2019. I deny that the debt is mine or amount owed is correct, deny the interest rate and terms are anything I agreed to. 

I have asked to have the debtor provide a time and place for me to view the original contract not a copy of papers with a copied signature that can easily be copy and pasted. 

I have asked many times for an audit that shows how interest fees and payments were calculated based on GAAP generally accepted accounting principles. 

I have asked that the company remove the negative reporting on my credit report as mandated by federal law until the debt can be proven. The company refuses to remove the debt from my reports until they meet this legal requirement

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 2020-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This case involves Bank of America prematurely closing my long and excellent standing credit card in XX/XX/XXXX. This card was used for most of my financial needs and left me with a Hardship In XX/XX/XXXX I was a victim of Fraud and Identity Theft, I discovered that my t former girlfriend stole approximately {$110.00} Thousand dollars from my 2 Bank Accounts. She was threatened with arrest but agreed to make good on paying the money. She was making payments until XX/XX/XXXX. I then took steps to take action by filing a report with the FTC, US Secret Service and Bank Fraud Affidavits. 
While going through this process I received an Email and then a Letter in XX/XX/XXXX, informing me that they were closing my account. At the time my account was in Good Standing was a credit of approximately {$900.00}. When I called the Bank to inquire they never stated a reason but advised to reapply and a letter would be mailed stating the reasons. Upon receiving the letter outlining the reasons, I responded and disputed their reasons in a letter dated XX/XX/XXXX. 
To date Bank Of America have yet to respond and my account remain closed

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 2023-11-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
After a mortgage company checked my credit, experian dropped my score by XXXX points. They have done this twice in XXXX years and it caused me to not get approved for the home loan. They also will not remove outdated information. This XXXX point drop has also gotten me denied for credit cards

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 2023-02-05
Company: 3rd Generation, Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Not at fault, they knew the first week. 70days {$0.00} My name is the only one on the title. My wife is on my insurance policy, full coverage {$300.00} a month. My wife was driving home from work, on XX/XX/XXXX. Another XXXX hit her. The man driving apologized, admitted fault and the officer at the scene also put full fault on the man that hit my wife. On the police report it says whos at fault. About 3 - 7 days in I called XXXX XXXX the 3rd party insurance. They told me my insurance is supposed to make me whole again, then get reimbursed when the case settles. So I called XXXX XXXX about the claim I put in the night it happened. They belittled me, by saying things like, well how would you know whos at fault, why would we pay that, stop calling us and let it play out, tell your wifes lawyer to help you, that car is not worth {$10000.00}, your claim is gon na be lost. What am I supposed to say. My car is a XXXX XXXX XXXX. She told me to call the place where my car is being stored, and give them permission to pick it up. Not knowing anything I did it. Now XXXX XXXX cant tell me where my car is. XXXX wanted to do an assessment to see the worth. How does a XXXX with 22inch rims come up missing. So now every call is them trying to give me XXXX for my car. They gave me a copy of their assessment, not one car cost XXXX, but Im supposed to except that, while being hung up on, and put on hold for long periods of time. So I get desperate like a month in, I except {$11000.00} and a claims check from a hit and run that happened months back of {$7700.00}. I figure when I get my claims check I can buy another car and Im able to pay off my loan. But to my surprise a week later my loan company let it slip out that they had my claims check had cashed it and wasnt going to put it toward my principal. I got so frustrated, I literally got sick. How can they do that, keep my money, meanwhile charging me fines and interest for late payments fees. Its 65 days past the accident and my insurance company hasnt given me a dime, or a phone call. I called every time. Its 70 days later and my total is {$0.00} I need help Im becoming depressed and desperate. My wife cant work cause she needs XXXX on her lower back.I really feel like its always gon na be this way. I have no voice, against these to companies I had to sign contracts with in order to drive away in my dream car. My insurance and loan company are ruining my life. LITERALLY

Company response to consumer: Untimely response
Consumer complaint received 2020-03-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Fruad alerts have been placed on my bureau reports and I did not authorize them and have looked over all bureau reports there is no fraud I want all fraud Statements taking off all of my reports

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 2023-09-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX, located XXXX XXXX XXXX, XXXX, Illinois, XXXX with XXXX. Employer Identification Number XXXX and Experian and XXXX are reporting inaccurate information to XXXX XXXX 's consumer report which seems to be an intentional attempt to commit securities fraud, and purposefully interfere with XXXXXXXX XXXX  pursuit of happiness. XXXX, Experian and XXXX are reporting that XXXX account number XXXX and XXXX account number XXXX are both charged off as bad debt which is inaccurate as you can see in the attached 1099-C copy B received from both companies the debts has been settled and cancelled. The courts have ruled it is inequitable to allow creditors to belatedly enforce an alleged debt after its received a tax benefit from the cancellation of debt. I AM A LITIGIOUS CONSUMER. I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST THE CONSUMER REPORTING AGENCIES.

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