BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: WELLS FARGO & COMPANY
State: CA
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. The XXXX credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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/items information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV 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 2021-04-08
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
CompNy harassing me for years About about a legit reversal on a rental scam Situation I was granted money back from all banks to to a breach of contract where they let mutuel tenants live who were not on contract and put me in a bad situation, I have proof of emails from company who leased property And bank took too long to contact me while moving to ask for documents, I had closed account with XXXX balance and months later was harassed about this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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 used auto loan with capital one for my XXXX XXXX XXXX. The vehicle was totaled on XX/XX/2017 and I immediately reached out to Capital One to advise them of the loss. I verified with them that I had purchased GAP coverage for my loan. I spent the next FOUR MONTHS going back and forth between Capital One and XXXX XXXX XXXX AKA XXXX regarding my gap claim. Capital One kept telling me that XXXX XXXX XXXX were the problem and that I needed to continue to contact them to get my claim entered and paid. They threatened to report my balance to the credit agencies since I owed approximately 1,200 after the other driver 's insurance paid for my vehicle. I purchased the gap coverage through Capital One when I initiated my loan yet they acted like their 3rd party choice of insurers had nothing to do with them. I FINALLY got XXXX to process my claim but recently discovered that they only paid approximately half of what was due. I still have a 600-something balance on my auto loan and now Capital One is reporting it as past due on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-13
Company: Santander Consumer USA Holdings Inc.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I obtained possession of my car on XX/XX/19 I was told on XX/XX/19 that all I had to do was verify my phone number and the loan would be finalized so I called and did that then on XX/XX/19 I was told that the loan was not finalized and that other information needed to be submitted which I did submit then on XXXX I was told that there was a possibility that the car would be taken away and so I went and got a new car then on XX/XX/19 I was told this loan was finalized so I gave the other car back and managed not to have any negative reporting on my credit Ive been contacting the company Santander to have my loan re start to avoid my payments being reported late and it hasnt been possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received emails from Wells Fargo about opening a checking account. I never applied for a checking account with XXXX. 

All from XX/XX/2022 : XXXX PM " We have received your documents '' about " my '' application for a checking account XXXX PM " Access your Wells Fargo account documents '' with an access code XXXX PM " Next Steps for your Application '' with info about tracking " my '' application XXXX PM " Welcome to Wells Fargo '' stating that my application for a checking account was approved XXXX PM " Your Wells Fargo Contact Information has been updated '' stating that the email address on file was changed. The new email address was almost completely redacted. 

I'm upset that someone was able to use my personal information to apply for a bank account, and that account was approved in ONE MINUTE. It is incredible to see such a negligent lack of review/security/oversight. 

It took me over an hour of being on the phone with Wells Fargo and being transferred to 3 different departments before I could even report this fraud. This was by calling the phone number specifically provided for reporting checking account fraud, so you'd think it wouldn't take being put on hold multiple times before I could talk to someone about this. Maybe so much of my time wouldn't have been wasted if XXXX took more than 60 seconds to approve a new bank account. What an embarrassment of a bank.

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 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have attempted to dispute the erroneous accounts with the credit bureaus, XXXX, XXXX, and TransUnion but the credit bureaus have refused to respod. I have sent numerous attempts sent certified mail and the credit bureaus lack of response is a violation of the Fair Credit Reporting Act. I have attached the most recent letters as well as provided the certified mail receipt numbers to prove the credit bureaus have received the dispute letters. 

Certified Mail Receipt Numbers XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I wrote all three credit bureaus in XX/XX/XXXX about a bankruptcy they have on my file that was filed in error, I have provided proof of that and XXXX XXXX has removed this information from their files which was also provided to the bureaus as well. They are in violation of my right to an accurate credit file. They have verified nothing and this information needs to be deleted. I have written several letters since XXXX bringing this error to their attention. As a last resort I am filing a complaint and will consider legal action if they do not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I stopped by my local Wells Fargo branch to withdraw my funds and close my account.. When I walked up to the door they had a notice stating that they were not allowing people in the branch office and all transactions needed to take place using the drive-through. I went through the drive-through and told the lady I wanted to close my account. She said couldn't do that inthe drive through. I told her I tried to go into the branch but its closed. She said she could give me my money, but I'd have to either make an appointment or call customer service to cancel. I called customer service and was told I couldn't because there was a pending transaction that needed to clear first. That transaction is from when the drive thru lady gave me my money. I'm filing a complaint because I know Wells Fargo is now going to charge me a fee for not maintaining a minimum balance. They are delaying my ability to close the account on purpose to charge me a fee. It's wrong. This should have been a simple transaction but they are creating a situation where I'm now being forced to pay a fee I shouldn't have to.

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 2018-06-17
Company: EQUIFAX, INC.
State: AR
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:
The only one out of 22 hard inquiries that i know are mine are the XXXX XXXX XXXX ones thats it ... they have already let my infromation get leaked now dont want to fix this issues ... also have not resposed over many times i have tired to get report on XXXX XXXX Needs removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CHARGE IS TRANSACTIONAL USURY INTEREST ON INTEREST [ EUITY LOAN WITH WELLS FARGO ACCT XXXX XX/XX/XXXX BY AN XXXX XXXX XXXX SEE # XXXX ON XX/XX/XXXX NEEDED MORE INFO?

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 2020-06-26
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have a credit card account number XXXX with XXXX XXXX XXXX through Comenity Capital Bank that currently reflects three 30-59 day late payments during the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am a government employee that was furloughed during the month of XX/XX/XXXX resulting from a government shutdown, during which time I did not receive a paycheck until mid XX/XX/XXXX. I contacted Comenity Capital Bank and setup payment arrangements due to the financial hardship I was experiencing as a result of being furloughed and temporarily unable to pay. It was my understanding that my monthly payments would be reduced for a period of 12 months. I made the new lower agreed upon payments but I was not aware that for the first month was delayed due to processing which triggered a late payment on my credit history with all three credit bureaus ( XXXX, XXXX  and XXXX  ). I was not aware that these late payments were on my credit reports until I tried to refinance my mortgage in XX/XX/XXXX. I sent a letter to Comenity Bank in XX/XX/XXXX requesting that these late payments be removed from my credit report. I received a letter in XX/XX/XXXX from Comenity Bank rejecting my request. I would like this situation revisited. I have since paid off my XXXX XXXX XXXX account and have always maintained a good payment history with this account. I would also note that this is the only creditor that I had this problem with as all other creditors did not report late payments during this time while I was furloughed and setup payment arrangements with. Please have this creditor remove these three 30-59 late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I'm in an auto lease that I haven't been able to afford for some time.. Shortly after I received this lease it was clear that the sales person lied about the cost. I'm intimidated with sales guys and numbers and wasn't explained anything and was just asked to sign digitally and never got a print out of the credit application. I recently have been getting assistance from a charity and they discovered the credit application was completely fraudulent. They listed my salary at XXXX when it is more like XXXX, they list me as a XXXX, i'm not, i'm a XXXX. No one at my work ever got a call from the bank to verify anything. I asked my employer. No one ever verified anything at the bank/lender office and now I have made every effort to turn the car in and I'm being asked to pay XXXX. I don't have that kind of money and don't know how they can take advantage of people like this. I never missed a payment and have spent all of my savings over the past 2 years to keep my credit from being hurt. I have requested to turn the car in and have remaining payments waived along with any milage overages. They denied me ( last month ). I also requested a lower payment so I could manage it. they denied me again ( 20 days ago ). Sadly I have spent all of my savings and have finally got out on my own after suffering abuse by my partner and simply need this car to be resolved so I can provide a better life for me and my son. 

The current lease payment is XXXX and the insurance is XXXX. ( I was told the payment was XXXX total including insurance - that was a lie ). 
We have reached out to XXXX ( XXXX XXXX XXXX  ) and the  dealerships to assist and no one will do anything even though we have proved the application was fraudulently filled out. First call to XXXX was on XX/XX/XXXX, Followed up with Manager XXXX XXXX several times, no response. Spoke to his manager on XX/XX/XXXX and he advised they couldn't help and its the dealerships responsibility to get accurate DTI ( debt to income ) Spoke to the Dealership on XX/XX/XXXX - spoke to GM XXXX, he advised its the lenders job to verify and qualify any borrower they submit. 

I have 12 payments remaining XXXX totaling XXXX and am 12k mile over for XXXX in penalty ( i had someone help me with this ) {$7900.00} in fees hey want me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account opened XX/XX/XXXX. 
Fraud occurred late XXXX. 
Company notified ... couldnt make payments for several months. 
Police reports submitted : all late payments reported to credit bureaus and then listed as charge off. ( Despite what they knew! 
Contacted in XX/XX/XXXX again explained situation and asked how to remove from reports. Was given a payment option. Made payment with promise of removal of charge off and late payments from report. 
They did not remove. I did pay. 
Ive been calling and writing them for over a year and still nothing.

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 2019-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My Online account information, User ID and Password, do not exist. 

I was told to register my account and create a User ID and Password.

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 2021-08-17
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: Account information incorrect

Complaint:
I have attached an account that all is reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached a highlighted picture with all of the inaccuracies highlighted.

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 2019-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
TransUnion is the main problem of the three credit bureaus and I called them numerous time to fix the problem. They put a Suffix after my Last name and I am being bullied and harassed because that suggests that I am a male. I have never included that on any applications. I asked them to fix it but they downright don't do it. Many people asked me if I have a suffix in my name. I tell them no. Please I need help getting that fixed because it seems as though this is done deliberately. This is going to escalate to me having to file a lawsuit against the credit buraus for defamation of character

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 2021-04-08
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:
I XXXX XXXX, sent a letter regarding inaccurate and unknown items on my credit report on XX/XX/2021. It is 60 days later and I have not received a response yet. I feel like my disputes are being neglected and taken advantage of. Failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days and I am demanding these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Experian Information Solutions Inc.
State: TN
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:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA

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 2020-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX. XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA

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 2019-07-13
Company: DISCOVER BANK
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Discover bank purchased my student loan from XXXX. I have been trying to get a Truth In Disclosure document from the bank. I have been given the run around by saying that they need to wait for documents from XXXX. My initial call was in XX/XX/XXXX and I have been calling them to check my status since and I have been getting the same answer ever since. I am trying to refinance my loan and I need this document to do it. This is a severe impediment and I am losing money because the interest rates are going up and I am at a loss at what to do here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-17
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened an account with Barclays on XX/XX/2015. I paid account on time for exactly 12 months. Then closed out my account at XXXX balance. I was unable to resolve this with the company. They were unable to find and records related to my 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