BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-06
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I disputed this to the company wells Fargo that is involved with credit bureaus and nothing was done, the car in question the XXXX  XXXX XXXX that this is about that I bought XX/XX/2018 I returned the vehicle to the place I bought it at which was XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX, MA XXXX on XX/XX/XXXX it was a personal repossession in which XXXX XXXX was informed about, they told me they were going to file all the paperwork letting everyone know yet they filed nothing, and I am now still be harassed by wells Fargo and threatened for a vehicle I do not own anymore, XXXX XXXX hasn't done what they said they were going to do and file all the paperwork, now the fact is wells Fargo keeps attacking both me and my credit report, in letters threatening me that they are going to repo the vehicle, now how can they threaten me that they will repo a car when I don't own it? The other fact is if XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, MA XXXX isn't properly filing there paperwork why is it that ex customers have to keep being threatened cause they don't file the paperwork properly, the fact is wells Fargo is just as much to blame cause they refuse even after a dispute to go or call XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX, MA XXXX to verify that the vehicle was indeed returned as a personal repo already instead of threatening me all the time, the fact is the credit bureau don't do XXXX to actually fully look into 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 explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 obtaind a copy of my credit report from Experian, XXXX and XXXX and noticed several unauthorized inquiries. The inquiries were NOT authorized by me and I have demanded to have the inquiries removed or provided proof that I authorized my credit to be pulled by the companies. 

I was never provided proof/documents showing where I authorized the inquiries.

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 2023-06-30
Company: Experian Information Solutions 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:
I reached out to XXXX XXXX XXXX about account # XXXX and asked them to delete this inaccurate derogatory account. They stated that everything is accurate 3 times now! But everything is still the same and the account information is STILL INACCURATE!! This is XXXX!! They have once again broken the law! 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. I have NEVER given written consent to publish ANYTHING on my credit report which is also ILLEGAL!! I DEMAND that the accounts be deleted IMMEDIATELY! They have also violated these multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Their illegal actions are costing me and my daughter to live in unsafe circumstances because I can't get proper housing or transportation! If they do not delete these accounts from my credit profile permanently I will take further action and they will be liable to pay me {$1000.00} per violation!

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 2019-07-04
Company: JPMORGAN CHASE & CO.
State: FL
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:
I had noticed on XX/XX/XXXX I received a notice from Chase Bank that I was overdrawn on my account. I immediately called them because I just had my Direct Deposit that day and knew I had no outstanding charges. I looked at my account only to see there were 2 {$590.00} charges to my account from XXXX. I called and spoke with a CSR where he looked at my account and seen a {$1.00} charge in XXXX that I was not even aware of from XXXX. I told him I am calling about my account being completely depleted due to this and wanted my money back. He asked if I want to stop payment and it would be a charge. I told him I had an alert on my account and informed Chase multiple times do not accept payments from XXXX because this happened before and I do not have an account with XXXX. The CSR assured me my fund would be in my account in 12 hours. I checked my account and no funds were put back. I called again and spoke with another CSR who informed me my 2 Charges of {$590.00} were denied because another claim was opened same day for {$1.00} and they only allow 1 claim every 60 days. I told him I did not file a claim for {$1.00}. He stated he would fix it and my money would be refunded in 12 hours he advised me to close the account. Next day I enter a bank only to find the money still has not been returned. The Employee at the bank informed me MULTIPLE people were in the past 5 days complaining their accounts were compromised. She shared that her account was compromised and promised my money would be returned in 12 hours. Again NOTHING. I contact the Executives of the company to have a XXXX   who is an Executive CSR call me blaming me for my fund not being secured and If didn't give my email out. I don't even shop on line. She suggested we conference XXXX on a call, I agreed. Immediately she asked how can Ms. XXXX secure her account with you, by changing her email. The XXXX rep did a search for me and stated, SHE DOES NOT HAVE AN ACCOUNT WITH US. I then asked, with the {$1.00} charge in March is that the Thief making an attempt to see if the bank will allow them access to my account, HE said YES. I then asked is this a Bank Security Issue, HE said YES. XXXX was very quiet after that. CHASE BANK Still will not return my funds, I just received an email stating I have a temporary refund of {$1.00} the fund the 1st CSR filed that I did not know about nor Authorize. I am now getting Penalized on bills not paid. CHASE refuses to refund my money even though it has been shown it was their errors and system that was compromised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-05
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is a transaction that was initially disputed with the citi card on XX/XX/XXXX however theyve not come to any resolution yet. Nor will they allow you to send in your proof as I was rudely told I couldnt send it in - when I asked today XX/XX/XXXX. 
The merchant in question is called XXXX They pretend to be a company in CA however they are really from XXXX. They pretend they have items on their website that are available- the items arent. I will be attaching reviews totaling over 2000 bad reviews and sites showing their scammers. They take your money and then they dont ship expedited shipping thats for sure and you dont get the goods bc they say theyre out of stock yet they dont put that on their website. 
I had called in regards to opening this dispute on XX/XX/XXXX however I told the man that they were owed XXXX but he told me he was going to put the whole amount of XXXX in dispute id is XXXX. 
Me and the merchant had gone back and forth through XXXX and the last they said was they would reimburse me for XXXX, XXXX, XXXX ( the XXXX and XXXX equal the XXXX ) youll see in their message through XXXX who did nothing bc I escalated it with citi card instead. However I still have that proof of what they were going to pay me plus they said any taxes - when I said I wasnt paying for expedited shipping bc my order never came expedited at all so they agreed to that plus any customs charge which I did not see getting billed to citi. Im attaching all that proof. Which means that I should be owed XXXX plus the XXXX in expedited shipping which never happened. They agreed to that. That means XXXX is owed to me XXXX to the scammers that citi card doesnt care about evidently. That would equal the whole amount of XXXX I was told to dispute. However Im only owed the XXXX. 
Please tell citi to rectify it ASAP its been long enough and they probably should do research on the companies theyre fighting for the customer for bc they would see these people are liars and scammers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-16
Company: LendUp Loans LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Repeated reporting of a debt without providing 100 % accurate, verifiable information. 
Balance : {$1000.00} Balance : {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions 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:
I reached out to XXXX XXXX  about account # XXXX and asked them to delete this inaccurate derogatory account. They stated that everything is accurate 3 times now! But everything is still the same and the account information is STILL INACCURATE!! This is ILLEGAL!! They have once again broken the law! 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. I have NEVER given written consent to publish ANYTHING on my credit report which is also ILLEGAL!! I DEMAND that the accounts be deleted IMMEDIATELY! They have also violated these multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Their illegal actions are costing me and my daughter to live in unsafe circumstances because I can't get proper housing or transportation! If they do not delete these accounts from my credit profile permanently I will take further action and they will be liable to pay me {$1000.00} per violation!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: ERC
State: IL
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/2020, ENHANCED RECOVERY CO L add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY CO L has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: JPMORGAN CHASE & CO.
State: MS
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2021 I received an Inquiry from JPMCB Card. And I already reported it to the Credit Bureau. They had no right to pull my credit and I never applied for anything from that bank. There was no permissible purpose and is a violation of the fair credit reporting act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-20
Company: EQUIFAX, INC.
State: NY
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
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: Personal information incorrect

Complaint:
My correct name or date of birth is not reporting on my credit report. Different addresses are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2019-11-25
Company: SYNCHRONY FINANCIAL
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My wife and I have several accounts at Synchrony Bank. A short while ago this afternoon, we received several emails indicating that Synchrony had made trial deposits into our " Amazon Credit Builder '' account. We do not have such Amazon accounts. We tried to contact Synchrony, but found tha t : 1 ) calls to their telephone number do not go through 2 ) when they do go through, the automatic system can not verify our identity, either via account number or social security number, and the robot hangs up the call. It is not possible to reach a human. 3 ) the chat function on their web site does not work 4 ) when we log on to their web site, which we did multiple times, the system will not load our accounts. It just says " an error has occurred '' 5 ) th
ere is no explanation posted on

Synchrony 's web site or social media accounts. Are you able to reach Synchrony on our behalf, and ask them to contact us, and advise us what is wrong and the status of our account
s? 

Our telephone is XXXX XXXX XXXX ( Please remove this if you publish this complaint ) Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Franklin American Mortgage sold my loan to Citizens. I made the payment on XX/XX/19. They told me that they would forward my payment to Citizens. They saw I had made payment. I made my payment to Franklin American. I got a bill from Citizens saying it was not paid. I called Franklin American and they said they were only forwarding payments for 60 days. I was at 70 days. So they said they would forward the payment in 20 days. Or they would mail me a check Franklin said they showed the payment. I spoke to Citizens who said they wouldn't charge any fees. 20 days passed nothing. I called Franklin American who now says that they show I never made the payment. I had my bill pay provider call them, they won't talk to them. Then I sent ( email ) them confirmation of the electronic payment from the bill pay provider. XXXX, a supervisor from Franklin American said that he would look into it. Of course nothing. They no longer seem willing to help me and this will negatively impact my credit and cause difficulties with my home loan. Citizens has been trying but Franklin American doesn't care what they do, they lie and they could care less.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 sent a letter last XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block the items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 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 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 2022-03-07
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I took out a loan through XXXX XXXX  for a Private Student Loan in 2007 for {$10000.00}. My loan is now at {$20000.00}. My current interest rate is 8.8 %. This loan was taken out through a XXXX College with very little retention rate. I was XXXX XXXX XXXX when this loan was taken out with the only income listed on the " income section '' of the loan application is my financial aid listed as " other income. '' My Mother co-signed my loan. She is now deceased. 

Things I have requested from Navient ( because it advertises these options on their webpage ) : Income-driven repayment plan XXXX XXXX I call every month and they tell me all they can do is reduce my payment from {$200.00} to {$150.00}. 

I'm going into debt making a {$200.00} payment a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-05-06
Company: EQUIFAX, INC.
State: PA
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 noticed my consumer credit file was incorrect and incomplete, related to the XXXX XXXX account. XXXX  XXXX is in violation of the FCRA in regards to the information furnished to the consumer reporting agencies, whom are non affiliated third party companies. XXXX XXXX has incorrectly reported my credit card account as a flexible spending account, which it is not. XXXX XXXX also reported my account as being late in XX/XX/2022, there was never an investigation done by the CRA 's prior to reporting this incorrect information because pursuant to 15 USC 1666b- no creditor shall treat an account as late. 

I have tried to rectify this issue with XXXX XXXX and the CRAs as this is causing me major financial damage and has caused me to not be approved for an apartment. In disclosing this information my right to privacy was violated. XXXX XXXX 's terms and conditions clearly state that they will not sell my information to a third party, and they did just that in selling my personal financial information to the credit reporting agencies. 

In addition, I have looked over everything that was given to me upon opening this credit account, and the Gramm Leach Bliley Act Disclosure was never given to me, violation of federal law.

Company response to consumer: Closed with explanation