BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX  XXXX and Wells Fargo Rob me {$100000.00} Dollars and XXXX sperate Banks lawyers say its imposable to comprend then 15 years the Police Harass me when go outside so never leave my apartment and I took a Screen Shot Picture of Front and back of a Check uploaded to secure email and XXXX XXXX wont cash it. and Wells Fargo Has no secure Email and Customer Service agent refuse to give me his name and rudly hang up phone. 
My {$15.00} XXXX XXXX is not secure enough to do Banking and to small and difficult. XXXX XXXX XXXX XXXX XXXX XXXX  log in both have a box to check to rember user name and or Password Banks or XXXX  Rember all Bank user names and there no way to stop them so You can rob anyone cell Phone rember all customers user name and use a Phone Verification to Change Password XXXX XXXX Refuges all Banks require International Long Distanced to Call a Bank XXXX Number Defendants Discriminated against me and similarly situated people based on race, color, national origin, disability, age, sex, religion Violates genocide laws, war crimes, crimes against humanity and aggression, Universal Declaration of Human Rights, 42 USCS1346 ( b ), 28 U.S. Code 2671 to 2680, 42 USCS 1983, 1985, 1986, 28 USCS 1331 ( a ) - 1334, 42 USCS 2000bb-4 and 2000cc-2 ( a ) RICO Act 1962 ( d ) First, Fourth, Fifth Sixth, Eighth, Fourteenth Amendment and Bivens Action SEE Bivens v. Six Unknown Named Agents, 403 U.S. 388 ( 1971 ) and 1983 Supreme Court allows Malicious Prosecution Lawsuits only when all Charges Dismissed and 1st Amendment Retaliation Claim

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 2018-04-18
Company: Navient Solutions, LLC.
State: CA
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:
This is my first year of repayment on student loans from XXXX   school. I applied and qualified for the REPAYE program, and have been paying monthly via Auto Pay sinceXX/XX/XXXX.

While preparing to file my XX/XX/XXXXtaxes on XX/XX/XXXX, I searched for my student loan interest tax document on Navient.com. When I was logged on to the Navient site, I found a message dated XX/XX/XXXX : " XX/XX/XXXX Your Navient Account Information It's time to renew your REPAYE Plan! '' I checked my email correspondence, and I had received no emails from Navient that referenced REPAYE renewal/recertification in any way. Since I am enrolled in Auto Pay for two separate Navient payments, I receive between 6-10 emails from Navient every month. All of the other emails I've received contain some reference to their subject : " Auto Pay Payment Reminder, '' " Here 's your monthly statement, '' and even " IMPORTANT TAX RETURN DOCUMENT AVAILABLE, '' but the emails which Navient claims were supposed to alert me to the REPAYE renewal deadline contain absolutely NO reference to the renewal or any urgent action necessary.

In fact, every month I receive multiple messages with the subject " Navient Account Information '' that simply confirm my automatic payments. It seems ridiculous that a message with that same subject would contain a link to the vital and urgent information about recertifying my REPAYE application. It is absurd that these particular emails would contain no relevant information about their purpose, and yet Navient uses all caps to alert me that there is " IMPORTANT TAX RETURN DOCUMENT AVAILABLE. '' I called Navient on XX/XX/XXXX, and was told I had been kicked out of the REPAYE plan for not submitting the recertification documents in time and would have to reapply, and was pushed to accept a forebearance in the meantime since I can not afford to make payments at the " alternative repayment '' rate of {$1800.00} beginning onXX/XX/XXXX. My monthly payment while on REPAYE was {$320.00}.

I am currently attempting to recertify and appeal the actions taken by Navient. Their unethical communication practices have already taken a toll on my finances and on my mental health. Again, this is my first full year of repayment on these loans and the first time I was supposed to recertify for the REPAYE program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I need some help I disputed with Equifax a couple items that are inaccurate which are as follows XXXX XXXX XXXX XXXX medical debt for {$690.00} which is inaccurate I'm in the military and do not owe on any debt this is inaccurate and needs to be removed XXXX XXXX XXXXXXXX XXXX In XX/XX/XXXX and XX/XX/XXXX payments were on time, how was this information verified they can't pull up the data and verify nothing but account was paid off. Requesting these inaccurate remarks in the payment history be removed XXXX XXXX XXXX  XXXX XXXX is my current and active account and has always been paid on time I was not past 30 days late on XX/XX/XXXX and XX/XX/XXXX and if the information data is suppressed how can your agency verify this is accurate. Requesting removal of these two late payment remarks XXXX XXXX XXXX XXXX I do not agree my account was 90 days past due XX/XX/XXXX this is inaccurate information and needs to be removed I have attached a copy of your response so you can address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
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.

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.

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 2023-07-29
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: Account information incorrect

Complaint:
I keep all of my credit frozen. TransUnion had and still has an error on it's website that prevents the freezing process. 
In XX/XX/2022 I had my HVAC  replaced and I did get a home improvement loan with XXXX. 
Afterward I was able to refreeze my credit with all the bureaus except TransUnion. 
Due to this the following fraud happened : The HVAC  went fine and it was explained that the loan would not occur until after installation, which is exactly how things happened. It was installed, XXXX  called to verify installation and I received the loan documents to sign. 
A week later a sales representative from XXXX XXXX came to my home. 
I decided to pursue this for the betterment of my future and the Earth 's wellbeing as well. 
The salesperson got on my WiFi, he got on my XXXX to check my electric bill history. He explained the loan would be the same bill for the life of the loan and electric would only continue to increase. 
He said the loan would not start or be signed for until after installation, which was my current experience with my recent HVAC installation. 
I had no reason not to believe him. 
I thought my credit was frozen anyway. 
So, I answered questions, there's an amount of trust that goes with allowing a person into your home and to make structural changes there. 
I had no reason to believe this person was going to do things against my consent and to defraud me. 
Afterwards, the installation never occurred fully. 
I told the finance company who called, XXXX XXXX, that the installation was not completed. 
They paid anyway ( you can read more about this in my complaints on XXXX XXXX ) to which I immediately began reaching out in writing to them to dispute this. 
At this point I realized something was wrong with my credit freeze.

I checked and the only one open was TransUnion. 
I contacted them via XXXX because their website had serious issues and the contact form did not even work. 
Their response was non existent. 
I contacted them three more times, in addition sending handwritten letters and documents proving that this loan was not ever accepted nor agreed upon by myself. I explained the TILA violations and the fact that I never signed for anything with this company.

TransUnion kept putting the item back on my credit report despite all of these facts.

Not only can I still not manage anything on my credit report from TransUnion but their site is basically inoperable.

It seems they are a scam company attempting to defraud Americans.

Please do something to shut down TransUnion.

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 2019-11-19
Company: Experian Information Solutions Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that item come back validated even though the information incorrect

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 2023-08-17
Company: EQUIFAX, INC.
State: GA
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:
Unauthorized inquiry, this is result of identity theft 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
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian did/does not have permissible purpose to report the following account to my consumer report : XXXX. XXXX XXXX XXXX Account # XXXX FCRA Violation/Not Metro 2 compliant XXXX. XXXX XXXX XXXX Account # XXXX FCRA Violation/Not Metro 2 complaint XXXX. XXXX XXXX XXXX Account # XXXX FCRA Violation/ Not Metro 2 compliant XXXX. XXXX XXXX XXXX  Account # XXXX FCRA Violation /Not Metro 2 compliant They are committing Identity Theft. I submitted an identity theft report on idenititytheft.gov, and provided them with a copy. The report will be attached with the complaint.

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 2021-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
The main focus of the complaint is that Bank of America supposedly put a flood policy on my HELOC account on XX/XX/XXXX, AFTER they sold my original mortgage to XXXX on XX/XX/XXXX. The only VESTED interest Bank of America had in my property AT THAT TIME was {$18000.00}, with a max loan value up to around {$24000.00} total. 

They had a copy of the Elevation Certificate for which I had to pay out of pocket, but failed to use it when they supposedly obtained coverage. They allegedly obtained coverage for {$250000.00}, which they had absolutely no right to do since their vested interest was at a MAX {$24000.00}. 

The policy shows to have been in effect from XX/XX/XXXX, through XX/XX/XXXX, and yet they are wanting me to pay for a portion of the premium from XX/XX/XXXX, through XX/XX/XXXX. There was NO FLOOD POLICY on my property at that time. 

I also have documentation from XXXX showing that Bank of America told them the policy lapsed on XX/XX/XXXX. If that is truly the case, why am I expected to pay premium though XX/XX/XXXX??? 

Bank of America has been sued and has had to pay retribution for requiring everyone with a mortgage to have a flood policy. They were provided with documentation showing my property was not even in a flood plain, but they failed to drop the requirement. 

Bank of America also submitted varying amounts to me for their alleged coverage. I have tried to get them to provide proof of payment, and they refuse to do so. It is their standard practice to stop returning calls so the consumer will fade away. 

I am roughly {$760.00} away from paying off my HELOC account and need to have this money removed from the escrow account so my lien can be released free and clear. I have REPEATEDLY asked Bank of America to do the right thing since XXXX and still can not find anyone competent enough there to realize all of the fraud they have committed. 

I can provide any letters/documents you may need to pursue this complaint.

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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 2022-10-14
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022 my identity was stolen. A XXXX XXXX XXXX XXXX was illegally purchased by establishing a 24 month financing program under my name. I did not make this purchase, know nothing of it or the financing program, and Ive never even owned a XXXX product.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things 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. XXXX XXXX {$88.00} XXXX  XXXX {$670.00} 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 2022-04-29
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
FIRST FEDERAL CREDIT CONTROL HAS BEEN REPORTING TWO COLLECTION ACCOUNTS TO MY XXXX CREDIT REPORT FOR THE LAST SEVERAL MONTHS. I HAVE MADE SEVERAL ATTEMPTS TO CONTACT THEM VIA MAIL IN REGARDS TO DISPUTE THE VALIDITY OF THE DEBT BECAUSE THEY NEVER SENT ME ANYTHING IN THE MAIL ABOUT THE DEBT THEY CLAIM I OWE. FROM WHAT I CAN SEE ON MYXXXX CREDIT REPORT BOTH ACCOUNT NUMBERS ARE : # # # # # # XXXX, # # # # # # XXXX. FIRST FEDERAL CREDIT CONTROL HAS VIOLATED FCRA 15 U.S. Code 1692g ( b ) I HAVE ALSO ASKED XXXX TO REMOVE THIS DEBT FROM MY CREDIT REPORT IN A RECENT DISPUTE BUT WAS TOLD THA THE DEBT CAME BACK AS " VERIFIED '' AND ACCURATE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
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: Investigation took more than 30 days

Complaint:
EXPERIAN FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS MOREOVER THE FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEMS

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 2022-04-29
Company: WELLS FARGO & COMPANY
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have sent money to the same recipient every month for almost 5 years through XXXX via Wells Fargo. The recipient receives it at XXXX XXXX XXXX XXXX. I did the same on XX/XX/2022. She did not receive it. I called Wells Fargo, they said it was safe to use XXXX and they would look into the missing money. I did it again, it didnt go through again. I called WF again. They said they need 10 days. After 10 says they said the moneys gone not thier problem, and confirm it didnt go to XXXX, but they wont say where it went. 2 X {$810.00} total loss {$1600.00}. WF gets all the benefits of XXXX, non of the liability, and they provide no info or proof.

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 2023-01-20
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 may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and TOYOTA MTR with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2018.

Company response to consumer: Closed with explanation