BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-10
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I placed a fraud charge for XXXX XXXX immediately and for years later-Wells Fargo ignores. Last month I went in XXXX branch and was there an hour with XXXX banker and service Mgr,. XXXX XXXX deleted my claim document scanned in and He does not remember anything.

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 2023-09-27
Company: Experian Information Solutions Inc.
State: FL
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 according with the fair Credit Reporting Act XXXX XXXX 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 furbish an account without my written instructions.

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 2023-06-19
Company: Navient Solutions, LLC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Several attempts has been made to contact XXXX XXXX financial aid office in regards to my current student loans. I attempted to return to school in XXXX XXXX DC at XXXX XXXX XXXX months before COVID ; because of the sudden series of event I was forced to withdraw from attendance while taking care of an elderly loved one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: FC HoldCo LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I had a vehicle loan with Flagship Credit Acceptance, the vehicle was totaled out on XX/XX/XXXX by XXXX XXXX XXXX. XXXX XXXX payed off the vehicle and GAP insurance that was through Flagship was never filed after I submitted the Gap paperwork, they are reporting this loan as a charge off. The company has been unreachable since the beginning of covid-19 lockdowns. This loan needs to be closed out with paid in full and all the negative remarks on my credit corrected. 
Vehicle : XXXX XXXX XXXX VIN : 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 2023-09-27
Company: Experian Information Solutions Inc.
State: NJ
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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-10-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Further to the acquisition of XXXX XXXX US retail business in early 2022 XXXX XXXX failed to implement appropriate systems and controls for the on-boarding of customer information from XXXX leading to errors in addresses and omissions in the contact data recorded for XXXX customers XXXX Furthermore, Citizens lack of appropriate systems and controls prevented customers that had been affected by these errors from contacting the group to discuss these problems. As an affected customer I wrote to Citizens group in XX/XX/2022 to explain my experience and ask for them to ; a. assure me that the lack of appropriate systems and controls would be addressed b. assist me in resolving the specific issue I had experienced as a result of their errors and inappropriate systems. 
Further to raising this complaint Citizens did not investigate the lack of appropriate systems and controls and did not provide an adequate solution to resolve the issues I had experienced. Full details are included in the letters sent to Citizens XXXX on the XXXX of XX/XX/2022 and XXXX of XX/XX/2022 along with supporting documents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: TX
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 am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed 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 non-monetary relief
Consumer complaint received 2021-07-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 and with no notice, my debit card stopped working and no longer appeared in the mobile application. When I called Wells Fargo to inquire, I was told that the bank had decided to cancel my debit card, leaving me with an account with no debit card or checks since I never had any checks with the account to begin with. I was further told that the account would remain open but could only be accessed in person at a branch location. Not super convenient or Cuatomer oriented. Maybe online bill pay will work but Im not overly confident about that.

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 2021-06-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I obtained a loan from Chase in XX/XX/2019 to finance an end-of-lease buyout. In processing the title transfer from XXXX XXXX to Chase Auto, Chase failed to pay a {$50.00} title transfer fee so the XXXX rejected Chase 's paperwork. I have been unable to renew this car 's registration since 20 months ago and therefore can not drive the car. I have made many calls, emails, secure messages and I am unable to resolve this problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's 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 any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

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 2021-06-17
Company: Experian Information Solutions 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 have notified the collection agencies/original creditors several times and notified them that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC ID theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2023-09-27
Company: Experian Information Solutions Inc.
State: FL
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 according with the fair Credit Reporting Act XXXX XXXX XXXXXXXX ( XXXX XXXX ) 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 furbish an account without my written instructions.

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 2023-06-19
Company: Fig Tech Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXXXXXX XXXXXXXX : {$480.00} ( fraudulent ) Fig Loans : {$920.00} ( fraudulent ) XXXX XXXX : {$400.00} ( fraudulent ) Has taken my credit score below average and affecting a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The credit bureaus continue to violate my consumer rights by reporting inaccurate information on accounts that have been removed off my credit but re inserted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: CITIBANK, N.A.
State: CA
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:
On XX/XX/2023, I was charged by XXXX XXXX for a service I did not receive. 
On XX/XX/XXXX, the original charge was voided. 
XXXX XX/XX/XXXX, I was charged again for the service I did not receive. The Citi representative understood there were two charges and one voided charge. The Citi representative determined which charge to contest. 

On XX/XX/XXXX, I contacted Citi and disputed the charge. 
Citi issued me a conditional credit. 

On XX/XX/XXXX, Citi ruled not in my favor, because the XX/XX/XXXX charge had been XXXX XX/XX/XXXX, Citi reversed the conditional credit. 

I called Citi again and re-opened the dispute. I explained again there were two charges and only XXXX was voided. Citi ammended the claim so that now the dispute was for the second charge, not the first charge. 

On XX/XX/XXXX, Citi issued a letter saying that the dispute had been resolved in my favor, and that the conditional credit was permanent. The letter stated that no further action was needed on my part. However, The conditional credit had been reversed on XX/XX/XXXX. 

On XX/XX/XXXX, I contacted Citi to re-open the dispute. The representative said that they could see that the dispute had been resolved in my favor, that the conditional credit was permanent, and that the conditional credit was cancelled. The request had to be forwarded to a department that was closed. Since it was late Friday, he said that someone would call me on Monday. 

On XX/XX/XXXX, I called Citi. The representative did not have a record of the call. She said that the audit department did not call people. She said they would typically address the request in XXXX days. 

On XX/XX/XXXX, there is no update from Citi. I will call them and inform them that I have issued a complaint. The most troubling thing is that Citi issued a letter saying " There's nothing else you need to do. '' Since this is just plain false, and since Citi has all of the information needed, I see this as evidence of Citi deliberately misleading a customer with a dispute.

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 2021-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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've sent numerous letters to all 3 credit bureaus over the months and received no response. I demand by law all these items be moved from my credit report my information was compromised in XXXX data breach

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: First Data Corporation
State: OK
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
I use XXXX XXXX XXXX XXXX pay card for my payroll check and around XX/XX/2018 started seeing unauthorized transactions appear I filed a dispute and cancelled my card and a new card came in the mail and I still saw charges popping up from the same place in the meantime my dispute was denied even though I was within all of the guidelines and time parameters specified by law and XXXX XXXX XXXX policy I sent letters of dispute they didn't receive and sent them back to me I filed emails to the dispute Department only to learn that my dispute had been denied for inconsistent information there is no inconsistent information because I used the information directly from my account online and put the dates the description of the air and the amounts that were totaling over {$700.00} they say I have to appeal but the appeal process can take 45 to 90 days. When I tried to talk to the dispute department they say that there's no way to contact them.

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 2023-09-27
Company: Experian Information Solutions Inc.
State: FL
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:
US DEPT ED Account # XXXX 15 USC 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to IRS.gov a charge-off is considered to be ordinary income and a 1099c form was never mailed to me, this is a cancelled debt the original creditor has filed it on their taxes but are also reporting on my credit report as debt which was also paid.

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 2021-06-17
Company: EQUIFAX, INC.
State: DE
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 asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX is reporting FOUR collection accounts under my credit report. My SS # is XXXX, XXXX XXXX, DOB- XX/XX/XXXX.  There are no account numbers reported The balances are {$290.00}, {$94.00}, {$99.00} and {$280.00}. This compnay called me ONCE over these accounts, I disputed these accounts right away! Two accounts were paid and setteled and teh other two I paid through my HSA!!!!!!! I asked for proof of what I am now being billed for and they never sent it!!!!! They are in violation of FDCPA 1692 ( g ) ( a ) and ( b )!!!!! My credit score has gone down 115 points due to there inaccurate reporting!!!!! These debts are not owed and they never sent me proof of what I am even being billed for before they reported these accounts to the bureaus!!!!!!! These Four accounts needs to be removed from collections under my credit reporting!!!!

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