BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Bought a van in XXXX  XXXX, NY in XXXX of XXXX  the loan was through Wells Fargo we did not hear anything from them no communication whatsoever. At the end of XXXX I called the dealership they said they would contact Wells Fargo, In XXXX I contacted Wells Fargo gave them my SS # and the told me they were going to reposes the Van. I told them I had not received any payment options from them like where I should send the payments. The persisted on saying I was delinquent and they were going to reposes the van. I again called the dealership to ask what was going on. They called Wells Fargo and then called me back to inform me Wells Fargo had misplaced the paperwork and I would have to redo the loan. So I had to go back to the dealership and resign the paperwork. I heard nothing from Wells Fargo no apology no sorry we screwed up just pay us or repossessing your van. Terrible customer service, an unorganized mess of a company.

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 2020-08-14
Company: NAVY FEDERAL CREDIT UNION
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX I filed for Chapter XXXX Bankruptcy in the United States District Court of Minnesota. XXXX XXXX : XXXX. I am still receiving letters and phone calls from Navy Federal Credit Union for 2 checking accounts that was discharged in bankruptcy court. The 2 checking accounts was under the following 2 social security numbers : XXXX and XXXX. Both checking accounts was discharged in bankruptcy court. My DOB : XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: OH
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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX / XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name:XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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.

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 2023-09-14
Company: Experian Information Solutions Inc.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.

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 2023-09-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I received a check in the mail from my previous employer for {$5600.00} on XX/XX/XXXX and deposited the funds into my citizens bank checking account using the mobile app the same day. This is an employer I had worked for for XXXX years ( meaning i have additional proof from w2s and previous pay stubs ). Citizens put a hold on the check and would not explain why but assured me the funds would be available on XX/XX/XXXX. Much to my surprise I woke up on the morning of XX/XX/XXXX to find my bank account had still not been credited. I contacted citizens and was ultimately told until they could verify the check with either the bank the check was drawn on or my employer that it would be held INDEFINITELY. Naturally I was furious as this is a legal valid check and i am tax paying citizen. I called my HR dept and even merged the call with the citizens branch manager and my HR dept said theyd be happy to verify the check in whichever way citizens deemed necessary. They would not allow this and insist on holding my check and making my funds inaccessible to me for 90 business days. This is a check that was deposited on XX/XX/XXXX that citizens is refusing to cash until XX/XX/XXXX. Baffled as to how this is even legal considering they also wont allow me to cancel the deposit and cash it elsewhere. They have also refused to explain why the check is being held other than to say that some information on the check is inconsistent. I find that hard to believe considering I work for a XXXX XXXX XXXX XXXX XXXX XXXX based out of XXXX XXXX North Carolina ) that has been using XXXX XXXX for years. Hoping somebody can assist me with accessing my hard earned money. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Please see attachments you have 18 days to respond Ive reached out on several different dates with certified mail which is a contract in itself to have these inquiries I do not recognize removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2023 I noticed a {$29.00} late fee on my Citizens Bank credit card. My bill was due XX/XX/2023. I set up automatic payment with my paying financial institution ( XXXX XXXX ) to pay the bill by XX/XX/2023. XXXX reflected they sent the payment on XX/XX/2023 and was received by Citizens Bank on XX/XX/2023. I called Citizens Bank to inquire about the late fee, was told the late fee would be removed since the payment should reflect on my account within a few days. No other fees were mentioned by the agent. On XX/XX/2023 I noticed the full amount owed was reflected on my account, the late fee removed but now showed a {$320.00} interest charge. I made contact with Citizens Bank inquiring about the interest and asked for the interest to be removed since the bill was paid prior to the due date. The agents insisted that the payment was not received by the due date, that it was received on XX/XX/2023, would not remove the interest fee and recommended I contact XXXX to have them pay the interest fee. I recontacted XXXX and was told again that the payment was sent well in advance ( XX/XX/2023 ) and received by Citizens Bank by the date I requested ( XX/XX/2023 ). I recontacted Citizens Bank and was now told the amount of {$150.00} could be removed from the interest fees but that was the maximum they could offer. I said I would take that but that I was still going to contact CFPB because I made the proper plans to have the bill paid by the due date. At the time I am submitting this complaint, I have not received the {$150.00} reduction on the interest that Citizens Bank stated they would do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2021-04-01
Company: Lending Club Corp
State: IL
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:
The Lending Club Refused To Delete Credit Account Of A Loan.I Was Never Asked To Physically Sign Any Documents When Account Was Opened Online.I Requested Validation Made Pursuant To The FDCPA And The FCRA.I Disputed The Account With The Company And The Credit Reporting Agencies : XX/XX/XXXX XX/XX/XXXX XXXX.Account Always States " Verified '', Without Any Documents Bearing My Signature.I Had To File Lawsuit At XXXX County Circuit Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: CITIBANK, N.A.
State: IL
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 filed a dispute with Citigroup banking regarding several transactions made on my account through XXXX that I had not authorized. Citibank immediately closed out my account which then prohibited any refunds that would be made from XXXX. For several months I've gone back and forth between XXXX and Citibank about the XXXX transactions to retrieve funds illegally taken from my account. Citibank informed me that they have closed out my dispute and did not side with me in regard to the transactions. I asked Citigroup for evidence of the investigation. months later I received a letter in the mail of login screenshots that were not legible to read. after calling them to ask for a better explanation I was told the transaction was outside of their timeframe for a refund. I then asked if the case could be escalated and if I could appeal reasoning or if they could point me in the right direction of where the timeframe policy could be located online. The agent then informed me to call a bank and they could further assist me. After searching for several hours through consumer manuals, disclosures, and regulations I could not find this stated anywhere in the illegal transaction timeframe policy. I then called a branch location on XX/XX/23 and the representative to was unable to assist me with finding this policy. Banks are misinforming customers of knowledge that do not exist. I am filing a complaint in hopes of further assistance with my case.

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 2020-08-14
Company: Experian Information Solutions Inc.
State: NY
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 carefully going over my credit report on XX/XX/2020 I seen 3 fraudulent accounts and an inquiry that doesn't not belong to me. These accounts are identity theft and is causing serious harm to my credit profile. I wrote Experian on XX/XX/2020 they have failed to respond to me. I wrote them again on XX/XX/2020.

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 2016-06-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Since 2009 Equifax has reported XXXX XXXX XXXX for XXXX and XXXX but they also are reporting XXXX and XXXX so I have XXXX different reports each XXXX for XXXX and XXXX for XXXX. I have sent letters, disputing constantly for years and still it shows on my credit twice for each. Also the last payment amount is inaccurrate and I have asked for the original paperwork with my signature since 2009 and still nothing. I will be mailing notarized certified letters to Equifax this week. This is also the second time I have reported this to you also. I will be attaining an attorney in 30 days from the date of my certified letter. 
Against Equifax and you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX has sent me yet ANOTHER scam packet through the US Mail.

I DO NOT HAVE OR HAVE EVER HAD ANY ACCOUNT AT THIS THIRD BANK THEY NOW SAY THEY HAVE ALREADY GARNISHED AND STOLEN MY MONEY FROM.

I HAND DELIVERED A LETTER TO THEM FOUR MONTHS AGO TELLING THEM TO STOP CONTACTING ME. 

I AM ON SOCIAL SECURITY AND I AM NOT PAYING THESE SCAM PIECES OF XXXX XXXX CENT. 

I DONT KNOW WHAT THIS SUPPOSED DEBT IS FOR, I DONT CARE. 

WHY ARE THESE PEOPLE ALLOWED TO KEEP BREAKING FEDERAL LAWS????? 

The XXXX ALSO NEEDS TO BE INVESTIGATED. THEY HAVE OPTED TO NOT DO THEIR JOBS. THEY ARE ALSO OWNED BY XXXX MONEY GROUPS. 


FIX THIS XXXX COUNTRY!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
All the amounts and dates are incorrect, there are lots of errors and inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
In summary, Paypal won't close my account without me sending them a full credit card statement from my bank with all my personal info, or making 2 deposits to my now credit card ( not an option due to them being closed ). 

A couple months ago, I received 2 fraudulent transactions for low amounts to XXXX XXXX 's ( <under {$20.00} each ). I have been a member of Paypal for almost as long as they've been a company, and haven't reported a single fraudulent transaction. I reported these as fraudulent with Paypal, but got denials hours later. I then reported them to my bank, and after a short discussion, decided to cancel the card and called Paypal back to close the account. I figured I got 'lucky ' with the low transaction values, but concluded that Paypal ultimately will not protect me when I have an unauthorized transaction in the future. 

Paypal said they couldn't close the account because the reported fraudulent transactions still needed to be completed. I called a bit later, and now I couldn't report it because my bank has an open case investigation on the transactions too. I then waited a couple months and called them back. They said they need to 'verify it's me ' by either making 2 small deposits to the most recent credit card on file, or that I needed to send a full credit card statement in to do so. Seeing that the card was closed, I only had one option. I refused because Paypal does not have a right to view my personal credit card statement, which has quite a bit of personal info, as well as my credit card transaction history. I did not want that on file, and asked the XXXX XXXX that there had to be another way to prove I was who I was. She said it was impossible. If I can access the account, make all sorts of changes and even transactions with my login info, email, and knowledge of my personal info, why would I need more to close my account? It seems deliberately frustrating so that people will avoid closing their accounts. This has been a downright frustrating and offensive experience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I went to school for a short term, about 3 weeks or so. However, I had to drop out due to life 's circumstances. XXXX XXXX XXXX baby, car repossessed. For years, I have been trying to get forgiveness on this loan. At one point, filled it out from the website and never heard anything back. I have called and inquired about forgiveness, but no-one has followed up. For just {$2000.00} for a few short weeks, I have seen bigger loans forgiven, it is really hurting my credit by always showing I am delinquent. I just hope at some point I can have this updated. I financially have just struggled to get the extra money to pay it back. I have been on deferments, tried for forgiveness, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: CA
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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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