BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-27
Company: WELLS FARGO & COMPANY
State: UT
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:
Ive long since left Wells Fargo but I do want this to be on record since I didn't know I could file a complaint. When I was a college student in XXXX, I was pressured into getting a credit card as I had no money and no steady income. I was told I would be assisted and helped out throughout the way but I wasn't informed that I had to pay it back ( I was very misinformed about how credit cards worked but still was talked into opening one ). Being a special needs college student I couldn't get a job and I didn't have family support so I had no income or way to make payments on my card. I had considered using my tax return to pay off all of it even if it would leave me with nothing. But I was told not to by the person who was helping me manage at the time. It took about a year of trying to ignore the problem because I called and tried to get something established but the person I talked to seemed to not believe anything I said regarding why I'm unable to manage this card and I was told that theres no point in closing the account because it won't stop the fees and charges from coming and nothing could be done. I had daily anxiety and panicked every time I considered checking my bank account. It took another adult to get me somewhere with the account after calling multiple times. I knew nothing and regardless, they didn't warn me of anything I encountered and pretty much told me I was screwed.

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 2023-09-13
Company: Experian Information Solutions Inc.
State: FL
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 recently reviewed a copy of my credit report in EXPERIAN. It indicated that the credit inquiries were made by the credit companies listed below. However, these inquiries were not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report. 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 2023-05-27
Company: Army and Air Force Exchange Service
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted XXXX XXXX to pay off a debt that is incorrectly being garnished from my federal XXXX annuity. Total due was {$480000.00} My check has been garnished since 2021 but I noticed that the total amount was wrong. But, in order to stop garnishment, I was willing to pay the TOTAL AMOUNT DUE. The collector said that he wanted an additional XXXX in collections fees to close the debt. after trying to explain I had paid two years of collection fees and penalties, that there is no need to incur fees when i am coming today to pay the debt owed to AAFES XXXX XXXX XXXX in full today. They refused to take my money. I guess they know that if I dont pay, the will receive thousands of dollars in future collection fees. This is a debt collector hired by the government to collect a debt. I am willing to pay off the full balance. I tried to call the orginal creditor and they refused to take my full payment as well. Im a XXXX veteran, I have very little money. I am trying to make good on a debt and they wont let me pay it off. Is this what I served XXXX for? Really?

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 2023-08-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted Wells Fargo to request a payment plan and they never sent the appropriate documents for me to apply. Instead I began to get foreclosure notices. I felt there was nothing I could do but sell. I did not want to sell I wanted a way to catch up but was never offered any payment plan. Just continued notices of foreclosure. Once I requested to do a short sale Wells Fargo was XXXX in the spot. I took a {$60000.00} lost when my home was sold.

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 2023-05-27
Company: Westlake Services, LLC
State: LA
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:
Westlake Services Inc did not have my express consent or written approval to access my credit. I would like this inquiry stricken from my credit report.

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 2022-07-21
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX Problem : Contacted company multiple times about late payment not being late. 
_____________________________________________________________________ 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 15 U.S.C 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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: Reporting company used your report improperly

Complaint:
I didnt give them permission to share my personal information nor did I authorize them to have my information on display. They have had several security breaches as to where my information was taken and still havent compensated me for and I have yet to receive the {$8000.00} I requested from them. All the old information and incorrect information for me would need to be taken from there data systems immediately. They keep taking stuff off and putting it back on and has violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: West Realm Shires Services Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I initiated with a withdrawal with FTXUS to transfer USD from XXXX  on XX/XX/2022. They debited the account but never sent the money and did not provide an ACH id.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: NC
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:
When I investigated my credit report, I realized that some of the information was erroneous. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/information below : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX  : Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

This inaccuracy is stopping me from wanting to get a new home for my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
between XX/XX/XXXX until XXXX XXXX the FedLoan.org has been mis-managing my payments. The interest was not applied correctly to my balance. As a result my $ XXXX loan is at $ XXXX after 7 years of payments. 

I have not been able to get a reasonable explanation from them after several attempts. 

Furthermore, in XXXX XXXX, when my loan was paid off due to re-fi, the FedLoan.org was overpaid by {$980.00}. Since XXXX. I have not had luck getting them to refund this overpayment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 attempted to correct my name and address with Transunion in XX/XX/2019. I sent in a copy of my divorce decree, my new drivers license with my new name and address, a copy of my new social security card, and a pay stub verifying my new employment and name. It was received and signed for. I have opened two new accounts ( which are reflected on my credit report ) with my new name and address. I have updated my name and address with my banks. I filed a dispute online with Transunion to update my name and address. They investigated and closed the dispute without changing my name or address. 
When I called Transunion and spoke with a supervisor, I was told that they couldn't update my information on the new accounts, but that I had to contact all of my old creditors on accounts that have been closed for years. They refused to use my new accounts as proof, and won't even add my new name and address on to the list of " other names used ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
my information was sold and bought illegally because i was a victim of the XXXX data breach. i want these items deleted from my credit reports effective immediately. i am attaching proof that XXXX has admitted that i was in fact a victim of this data breach and XXXX has done nothing. please help me delete these illegal accounts from my XXXX credit reports. 
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 2023-05-28
Company: General Motors Financial Company, Inc.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My last payment made to my XXXX XXXX XXXX XXXX XXXX GM Financial was in XX/XX/XXXX. I had recently had financial loss due to my job closing down. I told them that in XXXX and was told that I would have make another 2 payments in order for them to give me a deferment or to give me a chance to come up with something. Because they gave me such a hard time, I couldn't come up with the full payments. Even on their website, if I tried to make partial payments, it wouldn't let me login because I was 2 months behind. I just wanted to make some kind of payment because I knew that I couldn't make the whole payment. 
I received a letter by mail and email in XX/XX/XXXX, stating that I had to pay the full balance of loan by XXXX or my car would still be up for repossession and charge-off on my account and I wouldn't. be able to make another payment. 
This was totally unfair because they had it designed where I couldn't even make just any type of payments. It had to be a full month payment or whatever I was behind on. 
In the end of XX/XX/XXXX or the. beginning of XX/XX/XXXX, I received a phone call from GM Financial asking about payments. I told the lady that I received a letter stating that I had to pay the full balance or they would charged my car off and that they'd already charged it off. She lied and said they didn't. I told her that they did and hung up the phone. 
They didn't really try to work with me on payments and charged it off on my account and put it on my credit in XXXX. That's so unfair. Now I'm having difficulties with my credit score and purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and don't care who's credit or lives they impact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30
Company: Bread Financial Holdings, Inc.
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:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
COMENITYCAPITALXX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired onXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried disputing the XXXX XXXX XXXX collection on my Experian report. The company has neglected to provide the information to support the verification that this account belongs to me. I am a victim of identity fraud and Ive submitted the proper documentation to support that. XXXX has yet to provide the documents to me that they are using to verify that this account is mines. I have not signed a written contract nor have I entered into an agreement with them. Please remove this collection from my report. 

Thank you, 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 2023-07-25
Company: National Credit Systems,Inc.
State: LA
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:
After reviewing my consumer credit report I noticed an account I didnt recognize. Per the FDCPA I reached out to NATIONAL CREDIT SYSTEM via certified mail on XX/XX/ to request verification of debt. I dont recognize the account #, account status, high balance, or late payments associated with the account. NATIONAL CREDIT SYSTEM received my request on XXXX  and has not provide any purchase agreement with my signature which is a violation of 15 USC 1692 ( g ). The information for the account does not meet FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/2018 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: FC HoldCo LLC
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Flagship Cre did not have my express verbal or written permission to access my credit profile

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 2022-07-21
Company: EQUIFAX, 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:
Upon checking my Credit Report, I noticed that there are accounts that are completely unknown to me. As I further researched my Credit Report, I realized that these accounts are fraudulently reporting on my Credit File. Right now, Im submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$63.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$74.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$60.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$110.00}. I have read that that under the FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

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