BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-15
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I've been receiving numerous mediation request forms from Wells Fargo, several filled out to date. I received three more today, XX/XX/XXXX, a sixth one filled out and mailed in. Wells Fargo insists on sending these forms after CFPB complaints filed regarding damages from unauthorized accounts opened by Wells Fargo reps. A mediation session was made on XX/XX/XXXX, unfortunately, Wells Fargo rep by the name of XXXX XXXX was not able to resolve issues with settlement amount offered.. The amount offered, {$500.00}, does not cover damages sustained including inability to open accounts with other banks including XXXX  XXXX XXXX, XXXX, XXXX, XXXX, as well as others. I've been declined at these banks due to information reported to consumer agencies such as XXXX XXXX, XXXX, XXXX XXXX XXXX. I requested reimbursement for potential interest could have earned had I been able to open said accounts, I was offered a small amount of {$500.00} which does not cover damages. As I said prior, I have recently mailed in another mediation request form, unless Wells Fargo is willing to offer a reasonable settlement amount, then please advise them to STOP mailing additional mediation forms. Also, the offered amount of {$500.00} was not received and as far as I know, was never sent out. Wells Fargo likes to reply in part by stating, " Numerous attempts at resolution made, exhausted all efforts '' I believe these supposed efforts refer to their mailing of these duplicate mediation forms which again, were not successful in resolution as their offer does not cover damages

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 2020-06-05
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This account is being reported inaccurately going back to XXXX. Conflicting payment information was repeatedly posted for XXXX - XXXX Charge Off vs. Paid vs. NR. Chapter XXXX note listed erroneously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: PA
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 name is XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: International Computer Systems, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my bill in full. The collections was deleted from my report but still remains on my report as a reason to why my credit score is still lowered. I was told when I paid in full it would be removed from my credit report and increase my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: AZ
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 want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) 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 XXXX 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 2023-05-27
Company: BARCLAYS BANK DELAWARE
State: TX
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:
I filed a dispute in XXXX against Barclay Card for a fraudulent charge of XXXX. I had to do it here and they are awful and will not respond normal ways. It " worked '' and they found in my favor since I never made the charge. I did not trust them, however. After that I attempted to use their online " close my account '' link to downgrade my acct to a no annual fee or even to close it but they said I had to call. I just stopped using my card. 
Today they sent me a new bill for THE SAME XXXX CHARGE THEY ALREADY FOUND I DID NOT MAKE! 
There is no end to their deceit. 
I want this charge removed. I want them sanctioned. And I want my account CLOSED and a refund of my annual fee. I do not want to speak to them again. EVer. I will be publicly posting their deceit and also reporting this to XXXX XXXX for their review of partners.

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 2020-06-15
Company: Pressler & Pressler, LLP
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My pet was denied service at XXXX Animal Hospital and he ended up dying unnecessarily. All my complaints to XXXX went unanswered although XXXX has quite a few complaints and an F rating with the XXXX XXXX XXXX. XXXX hired crooked law firm Pressler and Pressler also known as Pressler, Felt and Warshaw to harass me however I sent Pressler various cease and desist letters via certified mail. Pressler is known for violating the rules since the managing partner XXXX XXXX was supposedly on the NJ Supreme Court for 25 years. Pressler was sued by the Consumer Protection Financial Bureau but continues to take the law into their own hands. Pressler obtained a crooked court officer to issue a levy with a false certification. I only found out about it through my bank after money was stolen from my account. The court had not contacted me about any trial or any other proceedings. Pressler sent documents to my bank with my full social security number when they should have redacted, and they threatened to come to my home and take my belongings as if I were some XXXX. These kinds of lawyers make criminals look like community heroes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX Status : Open Date opened : XX/XX/XXXX Payment summary XXXX XXXX XXXX - XXXX - XX/XX/XXXX- XXXX - XXXX - XX/XX/XXXX- XXXX - XXXX - XXXX - XX/XX/XXXX- XXXX - XXXX - Three late payments ( XXXX ) According to the consumer law 15 U.S. Code 1681a - Definitions ; rules of construction I hope this letter finds you well. I am writing to request information regarding 15 U.S. Code 1681a, which pertains to definitions and rules of construction within the United States Code.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: OH
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:
student loans on credit report without written consent

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 2020-06-15
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
On XX/XX/2020, I instructed American Express to close my Amex Everyday card through their website chat. A few hours later, unfortunately I noticed that the American Express associate closed the wrong card. After noticing this, I called their customer service the immediately. And while their customer service is owning up to the issue, and the company is taking blame, no action has been taken to resolve this. I have chat transcripts of what occurred and I want the company to fix their mistake before this severely impacts my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21
Company: Credit Fresh Holdings Inc
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Credit Fresh called HR Department trying to reach me and left a message with my employer 's VP of Human Resources that forwarded the voicemail to me. My employer now knows I have a debt collector trying to reach me at work and may have adverse effect on my continued employment with my current employer. I contacted the collector at XXXX ( XXXX ) XXXX and told them to never contact my employer or me at my work again yet they repeatedly continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX, I spent {$1200.00} for my rent and {$460.00} for a firearm on XXXX  Both payments were denied, and I had to call Bank of America to confirm the payments and unlock my card. The customer support said the failed transactions would be reimbursed 1-3 business days after they are fully processed. After my card was unlocked, I made the {$460.00} payment again. 

XXXX XXXX I still haven't received the reimbursement, but made the {$1200.00} payment again to avoid late fees or potential eviction. Today, XX/XX/XXXX, I STILL have not received the reimbursement, and calling customer support only resulted in me repeatedly be told I should have received the payment automatically. 

I asked for logs or proof of reimbursement but was not given that. I also found out transaction logs under debit/credit cards will be modified and remove denied transactions, leaving no record of those taken place. I have an email from my leasing office for the failed rent payment, but unfortunately no email for the failed firearm payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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:
I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., US DEPT ED XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX 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 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 XXXXXX/XX/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 2021-10-19
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
I called Experian today and asked that 18 hard inquiries be removed because they are unauthorized and was told Ill Be out on hold for a moment while she enters all this information into the system. That was over 30 mins ago and Im still on hold. When I called to complain and try again. I was again placed on hold, this time the man hung up. First time was female

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 2020-06-15
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have shared my cost expenses and loans received for my schooling with Navient customer service advisors, management, etc as they carry my loans service with University XXXX XXXX with no help just the same answer over and over. I explained the interest continuing to grow more and more and the payments that I was able to make ( over $ XXXX ) were applied to the interest and not much to the principal at all which interest continues to keep getting higher putting me further in debt. They promoted flexibility and convenience, which was anything but those. All the school would do in the beginning is stress how easy it is to the get the loans and it would be low interest with quick turn-around pay off after graduating. That was such false information and when I questioned the information after graduation all they would say is we highly suggest forbearance or deferments. Which in return just builds more and more debt. There was no assistance in lower income payments offered just the same said over and over. I requested numerous times for the low income payment program, but they kept advising the forbearance/deferment program instead and would talk over me. Now I am {$57000.00} in debt when the original note was under {$30000.00}. The financial assistance they keep telling me about was false and there was no guidance whatsoever. I have contacted Navient numerous times about my loans trying to get things ironed out about where my payments were applied and I would receive the same answer, we will review and see if adjustments can be made but in the mean time apply for the deferment program so that you can have a break in payments. How is that helpful it just increases more interest and nothing resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am writting this letter because there is wrong information on my consumer report. 
The payment for XX/XX/22 is incorrect. Account : XXXX XXXX XXXX  ( XXXX  ) 15 U.S. CODE 1666B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2023-08-12
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Us auto sold car loan to westlake they dont have a contract and I was charged XXXX in interest fees the car is not even worth that now westlake calls me 20 times a day including sundays

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
fraud alert and affidivast was sent regarding fraud, creditor have not responded to my dispute letters nor verified debt...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Very XXXX Wells Fargo charge me for overdraft fee even when I bring my account to even balance the charge me again with overdraft fee and my account get negative again XXXX XXXX XXXX XXXX the charge me overdraft And also there was an account keep charging me for over XXXX XXXX and i couldnt see the charge on my statements I find out this when I open a fitness account from other state they told me there another Account another your name when I called them they said to me that we charge you every XXXX XXXX XXXX XXXX XXXX now and you dont know it I told them this account I close it why they charge me, the problem was fitness kept getting there fee out of my account but the fee wasnt appear to my bank statements such this I dont know how many more stuff charging the account and not appear in banks statements

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 2022-07-21
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
My account is reported as late from a few years back.

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