BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: NC
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 have heard that Wells Fargo is being sued for not doing right by customers from XXXX. My wife and I had a vehicle loan through Wells Fargo for a XXXX XXXX and it was almost repossessed and we also had XXXX insurance through them. We also recieved letters a few years ago and a payment for them doing us wrong and charging to much etc. I am curious if we should be part of this current settlement due to them overcharging and whatever else they did wrong by us. I feel like we should since we had the loan with them after XXXX and before XXXX and was already made aware of of account being wronged by them a few years ago. If we should be part of this settlement I would like to be made aware asap and get what is owed to us for them doing us wrong and almost causing our car to be repossessed and our XXXX insurance. Please contact me at XXXX. My name is XXXX XXXX and the account was in my name. I live in 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 explanation
Consumer complaint received 2022-05-22
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: Their investigation did not fix an error on your report

Complaint:
I have tried for approximately 3 years to get information on my credit report fixed regarding my federal student loans payment status. My loans were in XXXX in 2019 with a payment of {$0.00}. I then applied for the XXXX XXXX XXXX XXXX and my payments again were set to {$0.00} dollars. Due to my profession I am also in the XXXX XXXX XXXX XXXX which allows me to make XXXX payments even if those payments amount to {$0.00} then the loans are fully forgiven. During the time of the transition into the different loan status the loan showed a missed payment on each of the XXXX student loans. I have explained this to XXXX, XXXX and Experian. I have provided them with letters showing I never missed a payment because none was due. I have requested them to do a full investigation and not just call the XXXX XXXX, which would include documentation. XXXX of this has been done. How can I be 90 days past due when no payment was ever due. Represetatives for XXXX XXXX are often uneducated to what has transpired. This has ruined job opportunities and made it difficult for me in many other aspects.

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 2020-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have noticed on my credit report that a 30 day late payment was reported. I would like to ask the creditor to remove the late payment because my password was released on the dark web and I was not able to get into any of my accounts. My bank accounts were all in question at the time and was locked out. I was not even able to reset password by answering the security questions..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
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:
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.

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 2020-02-07
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Between XX/XX/XXXX until XX/XX/XXXX my card was stolen and had been used fradualty for XXXX dollars with of transactions. I was unable to use my card during this period of time because I was incarcerated for driving without a license. Upon discovering that my card was stolen I immediately called police band filled a report and notified American Express Serve of this incident. upon waiting for over 2 weeks I received a email stating my claim was denied and that the finding where correct. I then submitted my dispute against the stolen money once again and even though it is a proven fact proved by XXXX county sheriff 's office that my card was infact stolen and used without permission my claim was denied so this is absolutely not right and illegal on there part. Now I am without any money and children to support and have to wait another month maybe to even see if my claim will be denied again or accepted this time around. I will get my money back even if I have to go through arbitration to get it but this is a unprofessional absurd way to go about taking care of your customers money. You representatives have no knowledge of how fraud investigations should be Handled or even how your company works. This is a terrible way to have handled a tramitizing event for a customer that puts there trust in your company and you need to take care of my situation because you are legally responsible for properly investigating fraud and your company is just ignoring the banking laws and treating cardholder like they do matter watsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: AMERISAVE MORTGAGE CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Applied for a loan for XXXX. 
Purchase Price XXXX. 
Down Payment XXXX. 
Home appraised for XXXX. 

To start Amerisave opened XXXX loans for me off of one inquiry. All with different loan amounts and all for the same address. 
# XXXX # XXXX # XXXX Mortgage company ( Amerisave ) wanted me to sign an addendum to my purchase contract stating I was receiving the following from the seller : XXXX in a gift of equity and XXXX is seller credits. This was not true at all, the seller and I refused to sign the addendum after inquiring where these got these numbers from multiple times. My mortgage was also changed to XXXX. 
I had to fight and argue with them to put my loan amount back it what it originally was supposed to be which is XXXX and argue about getting an estimate with the loan amount at XXXX as they told me they were unable to provide it with the purchase contract I had and I had to follow their revisions. Said I was going to bring XXXX to close then XXXX then on my day of closing asked if I could bring XXXX because they wrote up the estimate incorrectly ( still had it at XXXX ). Company keeps telling me that if I dont close with them Ill be billed {$540.00} on top of the {$500.00} they already collected from me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX has violated my rights, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am currently in dispute with this company of the validity of this debt. See CFPB complaint XXXX. Before this complaint I received a letter from the company requesting that I would give them 30 days to investigate the validity of the debt. This date started on XXXX XX/XX/2023. Before this request and during I have received bills from the company demanding payment. Most of the bills are dated before Lakeview request so I have ignored them. On Friday XXXX XXXX XXXX and dated XXXX XXXX XXXX I received a bill demanded payment along with Lakeview threatening to affect my credit and possibly seize my home. According to 15 US 1692 g Lakeview must cease all attempts to collect on the debt and can not negatively affect my credit unless the debt is validated. According to the bills by the company ( if the debt was valid ) my first payment would have been on XX/XX/2023, making a threat to seize my home very threatening. An addition in my letter requiring validation I notified Lakeview to cease all contact with me or anyone in my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT 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 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have tried for approximately 3 years to get information on my credit report fixed regarding my federal student loans payment status. My loans were in XXXX in 2019 with a payment of {$0.00}. I then applied for the XXXX XXXX XXXX XXXX and my payments again were set to {$0.00} dollars. Due to my profession I am also in the XXXX XXXX XXXX XXXX which allows me to make XXXX payments even if those payments amount to {$0.00} then the loans are fully forgiven. During the time of the transition into the different loan status the loan showed a missed payment on each of the XXXX student loans. I have explained this to XXXX, Transunion and XXXX. I have provided them with letters showing I never missed a payment because none was due. I have requested them to do a full investigation and not just call the XXXX XXXX, which would include documentation. XXXX of this has been done. How can I be 90 days past due when no payment was ever due. Represetatives for XXXX XXXX are often uneducated to what has transpired. This has ruined job opportunities and made it difficult for me in many other aspects.

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 2023-01-24
Company: Synovus Bank
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In or around XX/XX/XXXX, we opened a free checking account with Synovus in conjunction with a HELOC. The checking account was a " Free Checking '' with no balance requirements or fees. Starting in late XXXX, Synovus failed to send regularly periodic account statements. Beginning in XX/XX/XXXX, Synovus began charging a dormant account fee. Synovus ( 1 ) did not adequate disclose the account fee, ( 2 ) did not provide proper notice that it would charge a dormant account fee, and ( 3 ) did not provide regularly periodic statements that showed it was charging a dormant account fee so that we could timely resolve the alleged dormancy. We do not have recordings showing that the dormant account fee was a term we accepted when we opened the account. Upon information and belief, this was a unilateral term that Synovus later imposed without providing sufficient notice and disclosure. Ultimately, Synovus depleted all remaining funds in the account. 

In XX/XX/XXXX, we went to Synovus to close the account. We were told about the dormant account fees and that there were no funds to resolve. The bank would not resolve the issue with us. We closed the account. 

On XX/XX/XXXX, Synovus sent us an account statement showing the dormant account fees. The statement explicitly states that the last statement Synovus sent was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Experian Information Solutions Inc.
State: SC
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. To Whom It May Concern : I recently received a copy of my consumer report and I noticed some accounts on my consumer report that should not be on there. These agency is in violation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified. In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed 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 ( i ) 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately : Listed of accounts to be deleted. The above Accounts are inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate.

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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 2023-12-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX XXXX XXXX my USAA credit card was hit with fraud. Thereafter, ALL of my accounts with USAA have been compromised. The problem is still not resolved completely. Hackers, who I believe have help from inside USAA opened 6 accounts for my checking, savings and credit card. They eliminated my XXXX XXXX  account which I used to transfer money into my savings account to pay my bills. Eventually, my XXXX XXXX was compromised and all roads lead to USAA. A second account was partially compromised. I tried to re-attach my XXXX XXXX XXXXXXXX  and USAA, XXXX XXXX in the Chairman 's office and I spoke multiple times and she told me my USAA can not add my USAA account because there were 7 accounts opened within 180 days. Multiple employees at USAA in the fraud department, chairman 's department and banking department KNEW that 6 accounts were opened by hackers, possibly with inside assistance from USAA. This went on for months. USAA prevented me from making payments. I tried making payments via phone and online. FYI, I've had USAA account for almost 42 years. The account went 30 days past due. I spoke with miss XXXX and told her I had no way to make a payment. She indicated she would not change the 30 day late report. That cost XXXXXXXX XXXX on my credit score. My credit limit has been downgraded without notice. It is the fraud that has been allowed to continue. Parenthetically, the fraud continues as someone inside of USAA charged my wife 's credit card for insurance. USAA never had her credit card legally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Inaccurate information is being shared and displayed as factual without my verification or permission ( 15 U.S. Code 1681b ) XXXX XXXXXXXX ( XXXX XXXX. XXXX ) As a consumer, I am writing to inform you that I am revoking any and all consent to you, as consumer reporting agencies, to furnish my personal information. This is in accordance with the Fair Credit Reporting Act ( 15 USC 1681 ) and the policy of XXXX ( 15 USC 6801 ) to respect the privacy of consumers and protect their confidential information. 

I have the right to make sure my private information is not shared without my written consent, and I have not given such consent. Furthermore, I have not been informed of my right to exercise my nondisclosure option under 15 USC 6802 ( b ) ( c ). The account you are reporting is an adverse item and is being reported without my permission, which is against the law ( 15 U.S. Code 1681c ( a ) ( 5 ) ).

I am also requesting that you maintain reasonable procedures, as required by 15 U.S. Code 1681e, to avoid reporting inaccuracies and limit the furnishing of my information to authorized purposes.

Considering the above, I am exercising my right to opt out of your reporting services, as per 12 CFR 1016.7. I request that you take immediate action to remove my information from your records.

Thank you for your understanding and cooperation.

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