BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-29
Company: WELLS FARGO & COMPANY
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a car from XXXX using a vehicle for trade in. XXXX XXXX XXXX the payoff check for aforementioned trade in vehicle on XX/XX/XXXX, it was received by Wells Fargo Dealer Services on XX/XX/XXXX and Wells Fargo lost the check and as of this date, the loan is still outstanding and I am accruing interest and late fees not to mention the account is delinquent and my credit score is taking a hit. The XXXX  tracking number is XXXX and it was signed for by a Wells Fargo employee XXXX XXXX on XX/XX/XXXX but Wells Fargo lost the check. PLEASE HELP!!! Wells Fargo 's number is XXXX unless you have a better number to get to someone higher than just a customer service rep who is no help. 

Thank you. 
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 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
these inquiries do not belong to me and were not authorized XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/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 2021-07-09
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an account with Chime. My wallet was stolen and returned to me months later. 

I tried to access my chime account to make sure everything was OK and they have shut it down due to " account not being in compliance ''. 

I don't understand how they can shut my account down without my permission and I can't access it online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Garcadia Financial LLC
State: TX
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 notified XXXX that my score dropped 80points within 30 days time in error. XXXX XXXX reported a XXXX late payment twice when they should have only reported once. I called the company and even got the XXXX XXXX XXXX involved. XXXX XXXX then had the missed payment removed. XXXX however has not and will not fix my score. I called them today to tell them that when a late payment is removed, I should see a good increase not a huge drop. Also, I told them I should have never lost 20 points for them reporting the same missed payment twice then when they update you and let you know theres an error on their part, it should have been a 60 point increase instead of a 60 point drop. Im trying to buy a home and this is ridiculous & XXXX me. The XXXX rep told me he didnt have to explain to me why it dropped and that the score is final no matter what because its the system meter. Nothing they do manually. This isnt right and something needs to be done ASAP because I work hard on my credit. 


-Foursight Capital/XXXX XXXX issue- I have reported for two years to the bureaus that Foursight has provided inconsistent information regarding money owed and dates of delinquency along with account closing dates amongst all bureaus. Not only that but neither company adhered to the Texas law for repossession of vehicles. Instead of all the bureaus recognizing and properly investigating these two accounts, they just reply with the same answer as account has been verified. These accounts need to be removed from all credit bureaus. XXXX is the only one that removed XXXX XXXX. Please have all bureaus remove the Foursight & XXXX XXXX. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Over the past several months I have tried to use XXXX XXXX  XXXX and I have tried to use myEquifax to unlock and lock my credit report. Each time I login, a message is displayed saying that the service is temporarily unavailable. 

I have contacted Equifax repeatedly about this problem, and each time I have been told that a system security update is being performed and that I must call back. I have been told that this issue has been escalated to technical support, but it has not yet been resolved. I want to access XXXX XXXX  XXXX and myEquifax so that I can unlock and lock my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In XX/XX/2017, I opened a checking & savings account with Navy Federal Credit Union. They accepted over {$3500.00} in deposits. To date, -- I have had no access to these accounts. NFCU has repeatedly requested ID documents. I have uploaded, emailed. faxed, and physically mailed -- copies of my Photo ID, Social Security card, utility bills with address, and Passport 8 ( eight ) times. Most recently, ( XX/XX/XXXX ) I visited the XXXX, XXXX  branch while on vacation. I presented my XXXX photo driver 's license and requested my accounts be closed, and my money returned to me. I had called Customer Service 2 hours previoulsy and was told by XXXX that is what was required. After a speaking with XXXX and then the manager -- I was told I would have to physically present my social security card. The manager : XXXX, left me sitting while she dealt with another customer. After being in the bank for 55 minutes, I left. I am out of ideas as to how to get my funds returned to me. I have been in touch with Security, Membership -- anyone I can think of. Can you help? Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: Experian Information Solutions Inc.
State: AL
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:
On XX/XX/2018, I sent out a validation letter to XXXX XXXX XXXX, and I received a letter back with a summary of a bill, I sent a second letter asking for a signed contract. 
On XX/XX/XXXX, I received a letter asking me to pay, also on XX/XX/XXXX, I received another summary of what they claim I owe with XXXX XXXX XXXX, but still no signed document therefore not verifying nor validating this belongs to me. I have asked multiple time to delete if they can not prove the necessary evidence.

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 2019-03-29
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a father of XXXX who recently lost his wife and got behind on my mortgage. I had a payment plan with Wells Fargo home preservation who asked me to make three consecutive on-time payments of which I made two and was unable to pay the third because of insufficient funds do to other payments that went through at the same time. I tried to get another payment plan I sent Wells Fargo all the information they requested and they told me they could not find me a plan. 13 years of mortgage payments made on time and because of one bad year Wells Fargo is trying to foreclose on my property

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 2021-02-21
Company: FIRST PORTFOLIO SERVICING INC
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Online portal to repay loan is not working. They have no alternative suggestions on the website and customer service is not responding.

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 2019-05-24
Company: EQUIFAX, INC.
State: CA
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:
XX/XX/2017 I was at XXXX. A XXXX XXXX representative asked me to punch in my social security number in order to determine if I qualify for service with them and did not have any outstanding accounts. I asked to make sure it was NOT to run a credit inquiry, and was ASSURED it was not. However I now see it on my credit report as a hard inquiry!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: HCFS Healthcare Financial Services of TeamHealth
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:
Negative remark on my report that I don't recognize

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 2021-07-09
Company: NAVY FEDERAL CREDIT UNION
State: CA
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:
Navy Federal I demand that you cease and desist from all forms of communication including my consumer report! My consumer report is in fact a medium! Which means its communication. I demand deletion from all consumer reporting agencies immediately sue to indirect communication! Do not send statements, do not contact me in any form, do not sell any information containing me to any third party or give my personal information to any third party. Cease and desist from reporting in writing regarding this natural person, the original creditor, that I am!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Global Credit & Collection Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This company has been calling me at least 3 times a day and when I ignore the call they keep calling for the past two months. They are now calling all my family members and telling them they have a warrant to serve me and they need them to contact me. They are calling them multiple times a day and ruining my name. They give them a phone ( XXXX ) XXXX Claim Number and scare them into calling me. The ladies name that keeps calling me is XXXX and she says she works for a firm called Global. I have never heard from them nor do I owe them money. They have called my sick mother and made her believe I was in big trouble and I would be arrested if I did not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Experian Information Solutions Inc.
State: VA
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:
Experian continues to report a fraudulent account as a collection on my credit report. My credit report shows a collection from XXXX that shows a balance owed which is incorrect. I disputed this directly with Experian and it took them only 7 days to report back to me that the account details were accurate. This is not 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
Consumer complaint received 2018-11-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
ive tried to access my yearly credit report with equifax and it will never allow me to do it ... i have to submit via reular mail ... .i just disputed a credit card error and i couldnt access it by regular channels, i had to use their special web email ... ..i have the response back in an email but when i try to access it im declined access ... ..today i tried calling was on the phone for 30 minutes with 2 different agents with no luck..i was transferred to the supervisor who promptly hung up and didnt call bacl..i need help with this .... ( i explained i was in the car and they were asking about every one of my 18 credit cards ... .... )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-17
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:
Experian gave my information out without law required proof they have gave out credit report to companies without my permission like XXXX XXXX XXXX XXXX XXXX XXXX. Experian has stuff on hard inquiries they companies on me report have never herd of me when the company checks they get back to me and tell me they dont see me ever having an account with them or even applied companies above is dome of the 50 companies on my hard inquiry that I have checked and the company 's never heard of me, when I filed a complaint Experian blocked me from calling writing and online account. I have applied for credit and they gave out false information to them. Then when denied credit they refuse to give me a free credit report, and When I get a report from a third party the refused to let me do a dispute. Then they even went as far as to call the XXXX, Tx police department telling me not to write call or even do anything on line with them so them refusing to do so they by federal law can not report my credit they have to remove anything I disputed then they even had a representative even threaten me. And one of the files is what they sent me on a resolution and a report nothing there

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 2019-11-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts do NOT BELONG TO ME! They must be removed immediately! 

1 ) XXXX XXXX XXXX XXXX Bal : {$6900.00} Opened XX/XX/XXXX 2 ) XXXX  Bal : {$4200.00} Opened XX/XX/XXXX 3 ) XXXX  Bal : {$3000.00} Opened XX/XX/XXXX 4 ) XXXX  Bal : {$11000.00} Opened XX/XX/XXXX 5 ) XXXX  Bal : {$7500.00} Opened XX/XX/XXXX 6 ) XXXX  Bal : {$1700.00} Opened XX/XX/XXXX 7 ) XXXX XXXX Bal : {$1000.00} Opened XX/XX/XXXX 8 ) XXXX XXXX Bal : {$6600.00} Opened XX/XX/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 2021-07-09
Company: The Moore Law Group
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hi all, On XXXX XXXX, XXXX, I called the debt collection company " XXXX XXXX XXXX XXXX XXXX '' provided my account information regarding the settlement amount of {$7500.00} I have owned. All the phone call was recorded by them at the same time. I have spoken to one of the representatives saying that I was ready to pay off, and been told that the money was ready to run on that day. However, on XX/XX/XXXX, I have received a summons from XXXX XXXX court saying that the original credit card company is filing a lawsuit against me. I called back to XXXX and asked what happened. after that, I have found out that the representative who answered my phone call on XX/XX/XXXX has never ever submitted my payment on that day. 
meanwhile, there is another debt collection company name " The Moore Law Group '' that is taking care of this debt after XXXX. now they are asking me to pay the outstanding amount which of {$21.00}, and they have filling a lawsuit if I can not pay on time. 
I feel very innocent of this situation. compares {$7600.00} to {$21000.00} there is a huge difference. I did what I need to do back in XX/XX/XXXX. It is the XXXX staff 's fault that didn't submit my payment, but why I have to take this responsibility. 
I hope you can involve this case, and let me know what is rights to protect myself. 

( one of XXXX stuffs informed me that they have notes saying I called on XX/XX/XXXX and gave my account information to authorized them to charge me the amount of {$7500.00}, but they can not provide me the phone recording since I don't have an attorney representing me at this moment ) I have attached the settlement letter from XXXX and I had conversation evidence with a person who was representing negotiated with XXXX saying I paid off back in XXXX. 

my phone number is XXXX email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I get an inquiries from XXXX XXXX report with Transunion. who was reported twice, I need the inquiries to be 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 explanation
Consumer complaint received 2021-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of violent crime. I am not responsible for 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 2021-07-09
Company: Collection Bureau of America Ltd.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against Collection Bureau of America 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 dont care whos credit or lives they impact. Please remove this collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: World Acceptance Corporation
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This had been the worst year of my life financially. My fiance was in a XXXX and even when he recovered needed extra assistance and time before he could go back to work.

I have been paying world finance for years foolishly refinancing a personal loan. I have almost paid them off - I owe a total balance of just {$260.00} and am 10 days late on my payment. They get paid every single month but this month they have decided to take to harassing my friends family and former employer and it needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 noticed inquiries that were on my credit report that I did not authorize.

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 2020-05-11
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Citibank closed my credit card without warning or notice. My last charge was XX/XX/2020. 
I lost about XXXX reward points. I would like either a statement credit or to be able to transfer the points to a travel partner.

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