BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
R car has a XXXX balance of late fees that we aquired durin covid and we paid for gap and no one told us that the loan was done so we lost all the gap money we were owed. We have asked for them to waive that XXXX and give us the title to the car and they wont they said we have to pay they was gon na talk to someone higher up but they just keep playing games. Durin covid we struggled and when our loan was paid all we owed was late fees which they said they waived they lied. I want my title and the gap money we r owed

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 2023-11-26
Company: Experian Information Solutions Inc.
State: CA
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:
I was doing my regularly credit report check and noticed that there were a few strange STUDENT LOAN accounts from DEPT OF EDUCATIONXXXX ( Accounts listed below ) on my credit file. I never opened any accounts nor done any business with that company, therefore its been fraudulently opened. The accounts show as STUDENT LOANS. I have listed the account numbers below. I request that this account be erased from my credit file and any internal database, as I am not liable for any accounts opened without my knowledge or consent. This couldve been completely avoided had you all followed the necessary precautions given that I have an active security freeze on my credit file due to prior identity theft involving my sensitive information. 

I request that these Student Loan accounts be completely erased from my credit file immediately as it is incorrect information. I have no knowledge of this account whatsoever, and I am not liable for fraudulently opened accounts XXXX OPENED ON XX/XX/XXXX {$15000.00} BALANCE XXXX OPENED ON XX/XX/XXXX {$3700.00} BALANCE XXXX OPENED ON XX/XX/XXXX {$3500.00} BALANCE XXXX OPENED ON XX/XX/XXXX {$9200.00} BALANCE

Company response to consumer: In progress
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
All of XXXX XXXX XXXX XXXX I had to ask them over and over to not allow withdrawals on my account and it took him a while to finally get it through their heads they were charging me outrageous overdraft fees daily and when I asked them to reverse them they would only reverse {$14.00}

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 explanation
Consumer complaint received 2023-01-20
Company: Paramount GR Holdings, LLC
State: IL
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:
In 2020, I bought Solar Panels for my Home after being Solicited at Home from XXXX XXXX XXXX, a Solar Company that also does Business as XXXX XXXX. I paid {$55000.00} for this and I was led to believe that these Solar Panels would Save me Money on my Electric Bill Monthly, and that I'd be able to Sell Energy Back to my City. Well in two years none of this happened at all, My Electric Company XXXX just told me this week that they not even registering my Panels. So they haven't been working for this whole two year period. Not to mention that I got a letter from The District Court of XXXX XXXX XXXX, that this company XXXX XXXX XXXX has filed for Bankruptcy! What? So now there's no company for me to get these problems resolved. They sold their financial accounts to another company called LoanPal, then LoanPal sold to Goodleap, Now Goodleap has raised my bill over {$100.00} more a month to {$350.00} a month. And on top of that, NOTHING IS WORKING, I haven't saved a Dime. Now they are in Bankruptcy and think that I'm going to continue paying for this XXXX System that No One is Accountable for now. NOT! 

Now Goodleap is calling me everyday, asking for payment, I'm NOT Making anymore payment on this with all due respect. I want this off of my Home ASAP. XXXX XXXX XXXX Sold their Accounts and I don't agree to go along with anything else, I want this contract with Goodleap Terminated Please, The Account Number XXXX XXXX XXXX. This is on my credit and I do have Excellent Credit and I feel they shouldn't be able to report this in this situation. But they don't seem to care, all they want is they money, and i'm not sending them anymore money for anything. So Please Help me put a Stop to Good Leap calling and emailing me about payments. And have them to stop this account because all of this is fraud. 

Thank You

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have not heard anything further from PNC. The initial reply was incomplete and I replied on XX/XX/22 with an explanation as to why. I replied to the Executive Office and nothing. 

I wish for the CFBP to be more proactive and help me get this handled. 

Original complaint - XXXX This is terrible service from all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 explanation
Consumer complaint received 2023-08-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
There was an unauthorized charge on my account which I notified the bank as it came to my attention. When I called the bank the bank informed me that I was unable to file a dispute because it was not filed the same day the transaction happened. I questioned that logic as a small business owner, however, Citizens repeated. I filed a XXXX  and a member from the Office of the President contacted me and stated it was due to XXXX, however, XXXX is governed by Title 31 ( B ) ( ii ) ( A ) part 210 which governs reversals, not disputes. In fact, disputes are covered and protected under Regulation E and it appears citizens bank does not want to comply with Regulation E or cant. Citizens bank just got fined over XXXX XXXX  dollars for failure to follow bank regulations regarding credit cards and now it appears they have shifted their non-compliance to regulation E and attempted to utilize Title 31 ( which has nothing to do with it ) as an excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Always seem like I was being charged twice for things. Like I can make a purchase & I can see the money taking off then but later I check again & was charged again. I mention this before but I could never get an correct 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 explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/ I deposited XXXX check into my Wells Fargo checking account. I was given a small portion of the check upfront and was told the rest would be available the next day. The check was a available the next day, then the money disappeared from my account. After panicking I called Wells Fargo and was told the money will be held for a week and the reason I was given was previous overdrafts on my account. This caused me great harm not being able to show proof of funds for a home and ultimately loosing the bid as well being late with a bill. Wells Fargo was sued because of these practices I believe I should be compensated.

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 2023-06-13
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:
I sent a letter on XX/XX/2023 to Experian, XXXX and XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S code 1681a - Definitions ; rules of construction.

The term investigative consumer report means a consumer report or portion thereof in which information of a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning XXXX such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a credit reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 

How did they complete the investigation.

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 2023-11-29
Company: Experian Information Solutions Inc.
State: GA
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:
I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-06-13
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: Was not notified of investigation status or results

Complaint:
Due to an XXXX data breach my personal identity was compromised and thus, stolen and use in a number of fraudulent ways. As a result, I have a large number of fraudulent accounts being negatively reported the three primary credit reporting agencies. I have done nearly everything in my power to have the information removed and/or corrected on my credit report. However, the big businesses ( Experian, XXXX and XXXX ) have totally ignored the law as it relates to their responsibility to ensure that the federal laws are being followed when reporting consumers information. Much of what they are reporting on my behalf is either totally wrong, fraudulent or a violation of federal law that clearly indicate what can be reported and how it should be reported. After, numerous attempts to have the above agencies correct all that is in error on my credit report they have refused to follow the federal laws that govern how they do business. Thus, leaving me and my family in a unjust situation when it comes to living the American Dream. My request is that the credit agencies investigate as they should and not just return a response of account validated. Given the fact that once your identity has been stolen or compromised the individuals committing the fraud has all of your information. Therefore, the account may appear to be valid. However, if they do not validate my personal signature and present a signed contract, they have no way of truly validating the said information. Therefore, I humbly request that you assure that the credit reporting agencies are providing the fairest service that will ensure that my credit file is being report correctly without the said fraudulent information and ignorance of federal law. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I AM WRITING TO YOU FOR THE FOURTH TIME TO ADDRESS THE ONGOING ISSUE OF A BANKRUPTCY ENTRY ON MY CREDIT REPORT, WHICH I BELIEVE VIOLATES MY RIGHTS UNDER US CODES 1681C AND 605B. DESPITE MY REPEATED ATTEMPTS TO RESOLVE THIS MATTER THROUGH MY PREVIOUS THREE LETTERS DATED ( XX/XX/XXXX  ), ( XX/XX/XXXX  ) ( XX/XX/XXXX  ) I HAVE NOT RECEIVED ANY ACKNOWLEDGMENT OR CONFIRMATION OF THE REMOVAL OF THIS UNJUST BANKRUPTCY ENTRY. 
BANKRUPTCY INFORMATION : XXXX, XXXX THE CONTINUED PRESENCE OF THIS BANKRUPTCY ENTRY ON MY CREDIT REPORT IS CAUSING SIGNIFICANT HARM TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. YOUR INACTION IN RESOLVING THIS MATTER IS UNACCEPTABLE. 
ENTION TO THIS CRITICAL MATTER.

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: DISCOVER BANK
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: Credit inquiries on your report that you don't recognize

Complaint:
Discover financial services pulled my credit without my consent. I did not apply for credit with anyone. 

XXXX 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: FC HoldCo LLC
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XXXX XXXX XXXX I spoke with Flagship Credit about not being able to make my payment in full until XX/XX/. At the time I had requested that they call my cellphone phone instead of my work number. The man on the phone assured me they would no longer call my work phone and that has been true thus far. He attempted to pressure me into making my payment over the phone while I was at work even when I told him I only had about {$50.00} in my account. I assured him that the payment would be scheduled online and it would be pain on XXXX XXXX XXXX He said he would take me off of the call list until that date. They called my husband one time on XXXX XXXX XXXX  and called me 3 times on the same day. They have also called me 3 times on XXXX XXXX XXXX The amount of phone calls is becoming ridiculous and I was only XXXX week late when they called. They are calling me like I am months behind on a payment. I've given them the when and they can't even given me the courtesy of seeing if I do it. I'm not perpetually late. I would not recommend anyone to use this company based on the last few days of being harassed with phone calls. Some have even come as late as 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 2023-01-20
Company: EQUIFAX, INC.
State: RI
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:
AFTER TAKING A CLOSE LOOK INTO MY CREDIT REPORTS, I DISCOVERED YOU REPORTING WRONG INFORMATION ON ALL CREDIT XXXX WHICH INCLUDE : ADDRESSES WHICH SHOULD BE THE XXXX ON MY DRIVERS LICENSE THE ONLY XXXX, UTILITY ACCOUNTS OTHER WRONGFUL REMARKS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 non-monetary relief
Consumer complaint received 2023-03-01
Company: Experian Information Solutions 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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that the disputed items will be corrected or 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 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 2023-01-21
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ask for the company to validate the debt and that the account was a charge-off account in the amount of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: CarMax, Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Exercise my right to rescind this auto lease agreement with CarMax. The consummation of this lease agreement took place XX/XX/2018. There are certain disclosures that should have been provided during the consumer credit transactions. The notice of cancelation form explaining my right to rescind was never provided. Pursuant 15 USC 1635, I was not giving full disclosure of all the terms in the lease agreement. This has caused great injury and suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove the items listed below. 
XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$5900.00}, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$1600.00}, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief