BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-12
Company: Experian Information Solutions Inc.
State: NJ
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 recently was looking at my XXXX XXXX  as it has been a while since I looked at my credit score. Due to this whole corona virus thing I was told by my family to make sure all my credit is accurate. On XX/XX/XXXX I noticed a handful of things inaccurate which I'll explain and show you pictures. On My file it shows a Company XXXX and says I owe them {$370.00} this 100 % fraud and never approved from me. There parent company I called and they had no idea what I was talking about. XXXX I called on XX/XX/XXXX and the customer service rep she had said she would remove the entire thing after speaking to her for 20 minutes. However she than said didn't have the authority and I said call each credit agency and dispute this since it is not mine and couldn't be validated. Next up Late Fee 's I admit I had made mistakes however last year In XXXX I spoke with XXXX XXXX which also goes by XXXX about car loan. They had said they would remove XX/XX/XXXX & XX/XX/XXXX late fee 's as a courtesy however today It is still on there. Another car loan XXXX XXXX XXXX  had also said they would give me a courtesy and remove a late fee from XX/XX/XXXX since I always pay on time. They were very understanding. However it was never updated to any credit branches. I also have a few hard inquiry pulls that I have no idea about and I believe them to all be fraud because I don't recall going to these banks or applying for anything with the following companies XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX and XX/XX/XXXX XXXX. These are all 100 % not authorized by me. I called a few of thing but there lines were over an hour long. One of the companies did tell me that all the companies would have my signature if I applied with anything with them. I know I didn't on those dates with those companies so I am looking for all that to be removed from my report and everything else mentioned. 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 2023-04-01
Company: WELLS FARGO & COMPANY
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
When they called me Wells Fargo said I don't have no accounts existing or even having any kind of account they said I was negative in my account which it was fraud account I at the time it was the fraud department did not do their job they end up charging me tons of money like over {$2000.00} in debt when I had over XXXX XXXX dollars in Wells Fargo please help me regarding this matter I have original documents I have the stock of Wells Fargo on my wallet accounts the original stock market stock certificate for Wells Fargo I was given this by my inheritance from my dad please deal with this as soon as possible we continue to have an investigation on Wells Fargo and nothing gets done no one contacts me except one guy at the Wells Fargo CEO Company also wealth Management for Wells Fargo gets hold of me and they say they're not doing anything for me I am the CEO of Wells Fargo and originally hold her because they have authority over me did not make them right I am without food I have Little shelter I'm living the way I can for right now it's not fair enough for me having {$250.00} XXXX dollars and not be able to get a hold of it because they're greed because they want to be power and control I want to sue them the much as I can and continue to have accounts with Wells Fargo that's my grandma XXXX 's name and Fargo Wells Fargo and Fargo got married that's the reason why they joined it together it was called Wells then it was called Fargo because they want power control I want them fired and no longer working for Wells Fargo anymore I want to hire a new crew to do what I asked him to do I'm also in college up in XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX I can pronounce the word because my English is horrible I don't understand my own language please I want something legally action done to it please help me do an investigation all over again I just remembered to come back to you I forget I got hit in the head 2 years ago and it almost died had three XXXX since then I almost lost my life please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-21
Company: EQUIFAX, INC.
State: MO
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:
The credit Bureau XXXX Equifax and XXXX has allowed companies that have already been disputed on my credit report and removed due to investigations that discovered these were fraudulent accounts to change the name of the company or sell the debt and be put back onto my credit score I have tried to dispute these charges and have explained and showed them debt the collectors just change the name or either so the deck in re issued the debt onto my credit report after it had already been disputed and removed. XXXX Equifax in XXXX have also allowed unauthorized inquiries after investigations also proved that due to certain circumstances I could not have randies inquiries on my name. equifax XXXX XXXX and XXXX a ... .ve aliases and addresses that are unknown to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have my Mortgage finance with Navy Federal Credit union. Every month I pay extra principle and extra escrow to make sure that I don't fall short in my escrow. I paid extra escrow for the 2022 year. A total of {$390.00}. 

I paid on line and each time I paid, I made sure that the escrow box was completed with the amount extra I was paying. 
Each time Navy took my extra escrow and put it in as principle. Not as extra escrow. 

Each month my reflected that I paid 2 extra principle payments instead of 1 extra principle payment I talked with about 5 Navy federal Credit representatives, they put the information in my account records, but still did not credit me the extra that I had paid. 

I even sent an email to XXXX XXXX about a week ago. I did not get a response. 

Today XX/XX/2023, I received a letter stating that I was short {$330.00}. Making my new mortgage payment {$890.00}, up from {$840.00} Why should I absorb this new amount when I paid the extra escrow throughout the year and it was misapplied

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-02
Company: Bridgecrest Acceptance Corporation
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My account on my car loan with Bridgecrest was charged off in XX/XX/2020. The car was repossessed but I got the car back XX/XX/2020. I am currently still making payments on the car but it still shows up on my credit as charged off. I asked them if they could remove it and they refused. If I'm still making car note payments, it shouldn't be charged off.

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 2020-04-11
Company: Experian Information Solutions Inc.
State: MO
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:
Please remove the following account it does not belong to me. Therefore, I'm demanding it be removed immediately. 

1 ) 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 explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
" XXXX XXXX XXXX '' amount- '' {$340.00} '' " Opened XXXX '' Block and Remove This Account From My Credit Report. I Did Not Consent To, Did Not Authorize, Nor Benefit From This " Derogatory Mark ''. Report Positively To All Consumer Reporting Agencies. Debt was paid already. Also, According to 15 USC 1692b ( 2 ), a debt collector should not state whether or not consumer owes debt. Not only did you state that, you also put the information on my credit report which is another violation of 15 USC 1692d ( 1 ) - damaging my reputation in regards to my credit report. Remove items and report positively on my credit report.

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 2021-10-21
Company: ClearPath Lending
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a letter in the mail for a 1.75 % VA XXXX loan refinance from ClearPath Lending on XX/XX/2021. I called ClearPath lending the next morning and asked them about qualifying for the letter I received in the mail and they said ... after a lengthy conversation that " that programs quota has been filled up for the month and that I should call them back after XX/XX/XXXX as they only allot 300 of these every month. '' This is a classic bait and switch in which the consumer receives a piece of mail offering a mortgage and terms and then do not make that product available to the 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 explanation
Consumer complaint received 2021-01-21
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently checked my credit report and noticed a fraudulent account on my credit report.I reached out to the creditor to request the account to be removed and they have not removed it.This are fraudulent account and needs to be removed immediately.

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 2020-04-13
Company: GreenSky, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
I had to have emergency electrical work done in my home. I am a XXXX year old single woman who lost my job due to Covid19. The amount of the bill for the electrical work was {$10000.00}. I told the company that I didn't have that kind of money and they offered to get me financing. They called GreenSky to get approval for a credit loan. I was given a line of credit exceeding the amount needed. The work took place the week of XX/XX/XXXX but was and is not completed, and the fixed payments to GreenSky are to start @ 40 days thereafter. On XXXX I was notified via email, that there was activity on my account. GreenSky paid the electrical company, Mr.XXXX, the full amount. The contracted work has not been completed. I then called GreenSky and asked them if I was their client, of course was their answer. I then told them that any credit card company calls their client when there is a large charge that is not usual and asks for authorization for the charge. I asked them why I wasn't notified? I asked them if they were aware that the job was not completed? I asked them if they pay for services in full when a job has not been completed? I told them that they left me holding the bag in essence because Mr. XXXX is not responding to me regarding finishing the job and that now, why should they when GreenSky has now paid them in full. From their actions, it appears to me that they were doing what was best for Mr. XXXX, and not me, their client. It makes me question just who their client really is? I got no response and when I asked to speak to a supervisor I was told to take it up with Mr. XXXX. As I mentioned in the beginning, I am out of work because of Covid19 and now I have been notified by the Credit Bureau Agencies, that my credit has dropped over 30 points because of this. I called the Consumer Financial Protection Bureau and was told that of course I could lodge a Complaint but that it doesn't necessarily mean that action would be taken. I was told that there has to be many complaints before action is taken. In looking at your database, it seems that many people have complained about GreenSky. I hope adding my Complaint will result in action being taken. 
Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-28
Company: CITIBANK, N.A.
State: TN
Product: Credit 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:
On XX/XX/2023, my son and I arrived in XXXX XXXX, XXXX XXXX. We went to XXXX XXXX XXXX office and rented an automatic vehicle for our stay in XXXX XXXX since we were going to be visiting different cities throughout the country. 
I am a XXXX XXXX XXXX so there could not be a misunderstanding in regard to the final price for the car rental. I was initially told the total price was going to be {$300.00} and extra expenses if the car was damaged in any way. For which I returned the vehicle in perfect condition and was accepted the employees. Soon after coming back to the XXXX, I noticed I was being charged for a total amount of {$800.00} plus another transaction of {$150.00}. I disputed the transaction with Citi bank and they requested more information which I provided. After weeks of waiting for their response, they declined my claim. I called them to get more information from them and I was told there was nothing else I could do from their customer service. I decided to stop the claim and let it go. I was recently told by a friend of mine about CFPB and decided to file this claim to be treated fairly.

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 2023-08-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reviewed my consumer reports and noticed that I had two late payments on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks...

If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall...

( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
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: Was not notified of investigation status or results

Complaint:
Hellos Guys!! 

I sent letters to the 3 credit agencies XXXX, XXXX and Transunion to verify some elements that are being reported on my credit. I have been investigating and discovered that the credit bureaus have been violating my rights by reporting accounts or negative items incorrectly, since I see that each one of them reports different balances, wrong dates and incorrect late payments.

I have also sent letters to the creditors who are reporting on my credit to update the information in my report and they ignore me, they have not given me answers. 

I have sent letters to the bureaus since XX/XX/XXXX and to this day they continue without giving me an answer.

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 2020-04-10
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 applied for a XXXX credit card today XX/XX/20 and I was not approved. I had no idea why I didn't get approved since I don't have any negative account information on my credit ; I called to ask why I was denied and I was told that the reason I wasn't approved for the credit card was because there are accounts in negative standing on my credit. I immediately looked through my credit report and found three accounts that are not mine. The accounts are from XXXX, XXXX XXXX and XXXX XXXX. None of these account belong to me and I have never opened any account with any of these companies. I have reason to believe that someone stole my personal information and used it to open these accounts without my permission. I have already filed a police report with the information that I have. I never received anything from these accounts such as money, goods, services or any other benefit and I never allowed those companies to run or access my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Several inquiries and credit cards that arent mine have been reported to my credit report and have not been removed. I have sent in multiple disputes and nothing has been resolved :

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 2023-08-28
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been trying to login to my nelnet account for the past week starting XX/XX/2023, and I continually get loading pages or errors that send me back to the initial login. Currently, all I get is " Sorry, Our Systems Are Temporarily Unavailable '' when trying to login. I have attempted to call and have waited for over an hour several times now to actually speak to someone. I have only given up when the time has gone over the quoted time and I have to move on with my day. It got through once for the call to be disconnected, and I never received any callback. How am I supposed to setup repayment if I can not even get access to my account online or reliably speak to a representative. I am pretty sure I have everything setup and ready to go, because I was not having these issues about two months ago when my loans were transferred. However, it is absolutely necessary that I have access to my information to ensure that I have the correct accounts setup for autopayment and won't have any issues once repayment begins. I'd like to begin paying in XXXX, so that interest doesn't accrue. But, I can't even get online or speak to someone to ensure that happens. Either this company wasn't ready for the demand that they are seeing and are unable to actually handle online and phone requests or they are intentionally having these issues to ensure that borrowers pay more. Both are honestly ridiculous and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: NV
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 did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 UNABLE TO GET THROUGH TO TALK TO ANYONE ABOUT REMOVAL, THERE IS ALWAYS AN ISSUE XX/XX/2022 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 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

Company response to consumer: Closed with explanation