BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX Balance Owed : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: IA
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:
I am natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below be removed because According 15 USC 1681, I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/XXXX American Express sent me an email saying theyre going to lower my credit limit if I dont pay XXXX to them within 3 days. Saturday XX/XX/XXXX I called and paid XXXX as I had just paid XXXX on the XXXX. I was reassured multiple times my account will remain with the current credit limit And they will not lower my limit. On XX/XX/XXXX I received an email stated they lowered my Limit after insisting they wouldnt. I called that day and they said theyd investigate as it was an error on their part and call me back in 24-72 hours. Today I called and theyre saying Monday or Tuesday next week. This affects my credit rating and theyve caused me major issues as paying almost XXXX to them all at once as well was difficult.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Attempted to sell the property after being transferred out of state in late XX/XX/XXXX ( property in XXXX  ) & ( moved to XXXX  ). Home was not selling fast enough. Requested short sale information. Then in early XX/XX/XXXXreceived an offer. Wells Fargo processor gave me fax information to send in sale paperwork. I faxed personally 2 times & she told me that she did not receive it either time. So, I went to XXXX store for them to fax ( cost {$40.00} ). Again she did not receive it. She said try one more time. Again another {$40.00}! Then she told me that she really can't receive the paperwork via fax. It has to be submitted electronically into their system. So, then I went back to our real estate attorney in XXXX. They submitted into the Wells Fargo system immediately. Shortly thereafter I received word that she did not have enough time to review the paperwork and the offer. So, the offer was dropped. Some weeks later we received a second offer, only to be told that the offer was too high to qualify for short sale & that Wells Fargo was refusing the offer. When I called to ask why my customer service person was very rude. I asked " what do I have to do to get WF to process the paperwork & get the house sold to get it off my plate? ". No response. So, I asked, " do I have to get an attorney involved to get this done? '' He immediately hung up on me. I tried reaching anyone for months, being put on hold for 45 - 80 min at a time ( nearly losing my job because of it ) with no response from anyone at Wells Fargo. I finally gave up. Now both me & my mother have poor credit & IRS issues due to Wells Fargo 's failure to act on either offer for sale & poor customer service. This has now caused me to lose out on several job offers as well as cause my credit card interest rates to be raised & other cards to be 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 2023-08-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
all payments listed as late are covered by COVID contract signed and have to be set to on time for the 2 year period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-30
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Transaction issue

Complaint:
In error a payment was sent by online banking to Citibank Diamond Preferred Credit card with a balance of {$0.00}. Company processed the payment despite XXXX balance. Upon identifying the error company was contacted to request funds be returned. Company refused to return funds in time period less than 6 weeks. Numerous calls to customer services with no method to escalate complaints within their system

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 2019-06-16
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:
I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

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 In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. 

These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: DISCOVER BANK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I report these accounts as fraud due to identity theft. It was taken off my credit report a few times and that was it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Westlake Services, LLC
State: KY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XX/XX/XXXX I bought a XX/XX/XXXX XXXX the finance company was Westlake Financial Services out of California. I ended up in Bankruptcy before the car was paid for. They repossessed the car in XX/XX/XXXX. Around XX/XX/XXXX-XX/XX/XXXX there was a Judgement placed against me for the remaining balance of {$3200.00} ( roughly ) The lawyer Westlake used was XXXX. They garnished my bank account, then later they began garnishing my paycheck. This was all fine as I know I owed the money. However now after the bill has been paid the original creditor Westlake Financial Services has sent me a letter stating that the payment had not been received on the Judgement.

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 2020-02-11
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$280.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$280.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2017-04-08
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have made numerous calls to Navient about lowering my monthly payment. I was told I could not lower my payment to less than {$90.00} because I make too much money. I agreed to pay {$90.00} under a income sensitive program. I turned in all paperwork to navient to enter the payment program. I then receive a letter in the mail saying my new monthly payment is {$100.00}. I did not agree to this. I was also told that my first payment of {$90.00} was due on XX/XX/XXXX. When I log on to the website it says my payment is {$210.00} and I owe {$98.00} in late fees?? I was totally lied to. 
My account was also put into forbearance which I did not ask for. The payments I missed during the forbearance are now on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: Martin & Seibert, L.C.
State: WV
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I was sued in XXXX court for a debt XXXX XX/XX/XXXX. The original debt was from XX/XX/XXXX. I appeared, the judge ruled against me, and they attempted to garnish my wages. I have filed an exemption which has prohibited them from successfully garnishing these wages every year every pay period since. They have renewed this debt yearly, in court, without my knowledge or notification of each new hearing. So I have never been present since the initial XX/XX/XXXX hearing. The debt now exceeds XXXX! They have frozen my joint account, and again I was not notified of this intent. I have learned there is a 10 year SOL in West Virginia on collection of a debt like this which would have expired XX/XX/XXXX. 2 years ago! How can the court have judged against me? How can Martin & Seibert in XXXX WV continue these shady collection practices, and through the court???

Company response to consumer: Untimely response
Consumer complaint received 2019-09-10
Company: Enterprise Acquisitions
State: IA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising

Complaint:
A while back I tried to take out a personal loan through Enterprise Rent a Car for a used car in XXXX, IA looking at buying a vehicle. The address is at XXXX XXXX XXXX, XXXX, IA XXXX. The issue lies that after trying to finances arranged to help pay for the vehicle, they denied me for the loan after taking too long. I would like mediation of this issue and please follow up with my self directly. I can be reached at mobile phone number ( XXXX ) XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX Todays Date : XX/XX/XXXX To Whom it May Concern : Experian XXXX, TX XXXX XXXX XXXX, GA XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL 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 2023-08-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received at alert from Experian 's credit monitoring function to advise me that XXXX had reduced my available credit line on my XXXX branded credit card. This action can cause my XXXX XXXX to dip. I immediately checked and this was an error, so I attempted to utilize Experian 's online tool to open a dispute and correct my credit report. Upon submitting, the tool said my submission failed and that I either had to telephone or upload supporting documents. I attempted both. When I telephoned, the automated attendant stated that it was " unable '' to " find '' my XXXX account on my credit report. That makes no sense. Nevertheless, I proceeded to submit supporting documentation to evidence that my XXXX credit limit is {$7500.00} and received confirmation that my upload was successful. However, DAYS ARE PASSING and nothing has happened ; the erroneous information continues to be reported and Experian has not opened a dispute.

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 2023-08-07
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
When i deposited my pay check from a well known payroll company to a brand new wells fargo account they flagged a perfectly legitimate check for " Misc. Fraud '' when asked for further details on why holds were put on outgoing payments they could not answer accept for a : Complete Fraud '' letter and my credit has been effected. They have formally accused me of fraud that is unjustified for attempting to deposit perfectly good XXXX pay roll checks on mutiple occasions

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 2023-08-07
Company: EQUIFAX, 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 kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: GOLDMAN SACHS BANK USA
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I assume an installment loan with Greensky LLC. program. The loan had a per Quiter  installment history payment plan. I have documents, contracts, and payment plans. 
That I agreed to but I am disputing the final payoff and the amount of overpayment They have charged me. To close out the loan, I sent them an additional {$2000.00}. to meet their demands. But My mortgage company sent them a final payoff amount of {$48000.00}. The total loan amount was XXXX. 
The loan was approved for XXXX. But I only needed XXXX for the dental implants. But before I used any of the loans. There was an introductory agreement that I pay XXXX for the first 6 months. The first 6 months was based on a XXXX loan. After that was paid, they would recalculate the remaining balance. Here is the below line : XXXX. plus XXXX plus XXXX The loan was only XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: CITIBANK, N.A.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX is asserting my rights and disputing my debts under Code 15 US 1681c-2 1681b 1692-g and 168152 shall remove any information in my file regarding the credit Act.I am requesting this removed immediately, because the information is negative and outdated according to the fair act, and i am requesting a charge off from debt on my credit report.

Accounts Affected by the Crime

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 2023-07-31
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:
My credit report is showing late payments to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.

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