BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-04
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient is offering an interest rate decrease by 1/4 percent and rate freeze on variable rate interest, but only if you use a scheduled direct withdraw from a bank. By doing so, it discriminates against those who : 1 ) Use a debit or check card, even with a regular payment schedule 2 ) Send money via postal money order or certified check 3 ) People who can pay cash

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name 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 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 2023-05-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/23 morning, I went to Wells Fargo Bank to check on my accounts. 
I was told that {$40000.00} was wired out of my checking account, and another {$50000.00} was wired out from my same checking account to my business XXXX account, on XX/XX/23. 
Then immediately {$25000.00} was in the process of wiring out of my business XXXX account. 
I was shocked, and asked them to stop it immediately, and get the funds back to me accounts. 
In the same morning I reported to Wells Fargos Lost Prevention Center, and got Case number # XXXX for the {$40000.00}, and Case number # XXXX for the {$25000.00}. 
In the following days, I called them everyday to find out results. 
The {$25000.00} was intercepted and credited back to my XXXX account. 
But there was no information provided for the {$40000.00}. 
Wells Fargo refused to take responsibility for this Unauthorized Fraudulent wire transferring, and refused to pay me back this {$40000.00} caused by its negligence. 
In Wells Fargos Deposit Account agreement page 19, it says : we will follow a security procedure to verify an instruction to send a funds transfer from your account, whether we received the instruction in person, in writing, by phone, or online or mobile, Wells Fargo failed to do their job to verify the transactions with me, neither by my cellphone, nor by my landline home phone. 
Wells Fargo should return my {$40000.00} back to 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 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 checked my credit report and saw unauthorized credit inquiries on my report. Those inquiries are : 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. I have contacted Trans Union and they told me they would not remove these inquires at all unless I fill out this report. I NEED these inquiries removed from my credit report expeditiously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have made multiple attempts with this Fraudulent Company as well as the Credit Agency to REMOVE INACCURATE INFORMATION from my Consumer Report! As of this Complaint, I am awaiting an Answer to the 3rd Request from the Credit Agencies and XXXX regarding a specific account. More over, The Credit Agencies are Bound by the Law to MAINTAIN PRIVACY AND ACCURACY. Specifically XXXX XXXX XXXX XXXX REPORTS LAST ACTIVE DATE AS XX/XX/XXXX Date Opened AS XX/XX/XXXX TRANSUNION REPORTS LAST ACTIVE DATE AS XX/XX/XXXX Date Opened XX/XX/XXXX XXXX XXXX AND TRANSUNION STILL HAVE NOT DELETED THIS FRAUDULENT ACCOUNT AND ARE GUILTY OF THE FOLLOWING : 15 USC 1681a 2 ( A ) ( i ) by reporting transactions and or experiences on My Consumer Report which CONGRESS states is NOT INCLUDED on ANY CONSUMER REPORTS. They further violate the following. 15 USC 1681 Section 602 A Section 2A States that I have a right to privacy. 15 USC 1681 604 A Section 2 States A Consumer reporting agency CAN NOT furnish an account without my Written instructions. I DID NOT GIVE ANY PERMSSION! 15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following terms of information ANY OTHER ADVERSE item of Information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. I HAVE DISPUTED THE FACTS MANY TIMES AS EVIDENCED BY THE INCONSISTENT NOTES THERE IN ON THE ACCOUNT. XXXX AND TRANSUNION still report the INACCURATE INFORMATION. As well as they violate the entire PRIVACY ACT OF 1974 AS per XX/XX/XXXX Consumer Reports still show this account with Updated Misinformation! STILL DOES NOT MATCH AND IS TO BE DELETED.

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 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Checked my credit report and noticed unauthorized inquiries. Tried to get the issue resolved to no avail. Was told that the inquiries would be deleted but they still show 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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. 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. These were already included in my prior complaint and I'm including them 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 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 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX XXXX acct # XXXX, ( XX/XX/XXXX ) amount XXXX XXXXXXXX XXXX acct # XXXX ( XX/XX/XXXX ) amount XXXX XXXX XXXX XXXX XXXX acct # XXXX ( XX/XX/XXXX ) amount XXXX XXXX XXXXXXXX XXXX acct # XXXX ( XX/XX/XXXX ) amount XXXX in accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. also 15 U.S.C 1681 section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions

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 2021-04-30
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper, Nationstar took two payments of {$1600.00}. from my bank account on XX/XX/21. 
I do not have auto pay set up but I do pay online so they have my bank account number. Mr. Cooper sent out an email saying they were aware of a problem. These two payments were not authorized and since I do not have auto pay I can not understand how they had the authority to withdraw money from my bank account. Mr. Cooper says they will reverse the withdrawals. They made a huge mistake when they took over {$3000.00}. from my bank account. Thank you. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: In progress
Consumer complaint received 2022-12-19
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:
I ordered a copy of my report in Identity IQ and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion have not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of these accounts listed below. I believe it was reported in error. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}

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 2020-06-01
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXX, Original Creditor, XXXX XXXX, XXXX, XXXX XXXX, XXXX Company Inquiries : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX/XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
My name is XXXX XXXX. The following item shave inaccurate information. The last payment date is incorrect. Please remove this account for inaccuracy. Do not update the information, please delete it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
TransUnion File # XXXXXX/XX/XXXX TransUnion under Promotional Inquires has companies still inquiring on my credit report after I have filed and sign a notice of election form to stop all Promotional Inquires I filed back in XX/XX/XXXXand still see promotional Inquires

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 2019-04-08
Company: Westlake Services, LLC
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I was sold a loan I could not afford. After paying nearly {$13000.00} as a down payment on the vehicle westlake refused to work with me when my household budget collapsed due to my wife having our child prematurely. I even consulted and considered filing bankruptcy with an attorney to help with my situation. But I was told by westlake financial the vehicle was already up for repossession and there was nothing I could do. After receiving this information we sold the vehicle to XXXX not 6 months after we purchased it and only got {$110.00} in positive equity back despite putting {$13000.00} down on the car in cash in XXXX of XX/XX/2018. And now westlake is continually delaying the overpayment check being issued because I mentioned I was consulting with an attorney. I also verbally revoked my consent to be contacted on my cell phone by westlake numerous times, but was still called by collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX, I tried to make a payment of XXXX XXXX from my Citi saving account to my personal bank account in XXXX XXXX. I tried to make that payment on Citi 's mobile phone app on my phone and use the instant payment service to do that. I could not successfully submit the payment request and received an error " Access Blocked : For security reasons, we can not allow you to proceed. If you require assistance, please contact Citibank Online Customer Service and mentioned Error Code MFA. '' So I did make a phone call to them. The first support person from Citibank asked me to try lots of things, including using a web browser instead of the mobile app, lowering the amount to XXXX . I tried four times in total, all leading to the same error message. The support person seemed to not know enough about the issue and how to solve it. I asked to speak to a supervisor, but the supervisor only asked for my name, and without helping solve the issue, they transferred me to another support person. I repeated my issue and the second support person also suggested me try lower the payment amount. Then I tried my fifth time, I tried to set up a payment with XXXX , but still could not proceed. I saw the same " access blocked '' error. I do see on my browser and my mobile app, my daily limit is XXXX . And I told the support person about that number as well. Thus, I don't think the issue is related to the amount, because this is my first payment transaction using the instant payment service which never succeed. I asked the support person how could I use this instant payment service. They don't know. They only suggest me try using a wire transfer which comes with an additional charge or use XXXX to transfer money, which I can not use because I don't have a checking account and only have a saving account. XXXX payment requires a checking account. They are not helpful in solving the issue, not knowledgeable about their services, and they don't want to help me with the problem I have, which is simply to be able to use instant payment, not trying other ways. 

If I want to try other ways, why don't I just put money in a different bank, that has much better customer service?

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 2022-04-26
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2021 AMEX Closed a credit card that I never had used and which had a {$0.00} balance, and simultaneously American Express ( AMEX ) charged me an invalid annual fee in the same month of closing the card. I called to raise this issue with AMEX when I got a bill for a charge I did not cause on a closed card. I was assured by AMEX the canceled card would have the annual fee removed, due to their mistake, and NOT to pay it. AMEX eventually corrected the amount owed to {$0.00} but it was over 2 months later. This resulted in AMEX inaccurately reporting missed payments of 60 days late to all three credit bureaus! I had offered to pay the fee when first due but was instructed by AMEX NOT to pay the annual fee since the card was canceled and the fee was not a valid fee due. When I disputed the inaccurate payment history with the 3 credit bureaus, AMEX 'validated " the information without making the proper correction. This has resulted in lower XXXX XXXX scores and higher interest rates which continue to cause me financial harm do to their inaccurate reporting to the 3 credit bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
they sent me a stall letter saying i am using a third party credit company to fix my credit and they will not move on with my report

Company response to consumer: Closed with non-monetary relief