BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-02
Company: CITIBANK, N.A.
State: GA
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:
yes I provided citi bank with all the proof from XXXX XXXX showing the works was not performed at all and they stated we were ripped off no work has been done and city is not working for me keeps taking the money back under the fair credit blling act I am protected and under the clause of services not render or received.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I was charged a high interest rate with good credit.

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 2018-02-01
Company: Experian Information Solutions Inc.
State: NV
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 responded to a dispute that was submitted but the information is not reporting to what they indicate is the time period. There is an account that they are reporting and it's been seven years from the first missed payment. I have attached their response along with what they are reporting to show it should not be reporting. There is a XXXX XXXX XXXX and a XXXX XXXX both are over 7 years and one is over 8 I need them to remove it like they are suppose to I have been fighting this for some time now and they continue to report aged accounts. The XXXX XXXX XXXX shows it started to be late in XX/XX/XXXX and then XXXX XXXX was actually charged off in XXXX so the payment would have been past due long before the charge off.

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 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This is also with Wells Fargo I had a XXXX XXXX  XXXX k I think around {$840.00} around there in a account at Wells Fargo well recent little the account has XXXX $ in it the account was closed and disappeared now the account is back and has XXXX  $ what happen to the XXXX $ that was in there just wondering

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 2018-02-22
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Call navient about my loan amount to find out why it was so high. The responds I recieved from navient was, we are unable to tell you that information, because we can ouly go back so far, but what can tell you that your loans were merged together in 2011 and we are unable to see anything past 3 years. The next thing I was told by navient was to contact the schools i attened to obtain this information, I informed navient that I contacted XXXX but wes unable to contact XXXX XXXX XXXX do to the fact they were no longer in business. I thanked what do I do because my loans are totalling XXXX dollars and I know this can not be correct. Navient then sent me to another website were it gave me no information it all. Now I am being told that my payment are upwards of 1000+ dollars which i can not afford. With no help insight I have no ideal of what to do on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: OH
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:
*Attached is my State ID and SSC The listed accounts were placed onto my consumer report without my written consent, please help me get this solved. 

XXXX XXXXL # XXXX XXXX, XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX *Please see attached documentation

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 2019-10-21
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I filed a dispute with TCF National Bank on XX/XX/2019 due to fraudulent charges on my account. Someone had hacked into my checking account and stole {$600.00}. They accessed the money via XXXX and charged my account {$20.00}, 30 separate times in total transactions. I filed a police report with the fraudulent charges as well. TCF National bank advised that the dispute was closed in my favor, and that they would credit my account the balance that was withdrawn from my account without consent. First, they advised that the funds would be restored to my account. Then they indicated that they had a new policy put in place and needed to send out an official bank check for the amount. I was advised on XX/XX/XXXX that a check was processed and sent and that I should receive it within 7-10 business days. I called on XX/XX/XXXX because I hadn't received a check as of that day, and then was advised that it was cut on XX/XX/2019 and it would take an additional 7-10 business days to be delivered. I called TCF customer today, XX/XX/2019, as I still have not received the check, and they advised that they do not have a date in which the check will be cut because they are being pushed back. I just want my money back that they advised they were going to send to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Revolut Technologies Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Im restricted from using or closing my account. I have provided identify verification documents. My account has been in review for weeks and months. They wouldn't do anything. They wouldn't close my account or remove restrictions on my account. They violate many rules in their US operation. They say they are bound by XXXX  rules, and they don't care about US laws

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 2021-09-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX  on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Velocity Portfolio Group
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: Account information incorrect

Complaint:
I was told my account would be deleted once paid but it still shows on my credit report as cks prime investments now they said they won't remove it.

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 2020-05-07
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This issue had been ongoing for month and years. Today I received a letter from Well Fargo wth a copy of my original note that was signed for a rate of XXXX in XX/XX/XXXX..I was employed during that time and was able to pay. I tried talking to Wells Fargo many times during the XX/XX/XXXX down market period, but, was rejected. I had to lease the townhome in order to pay the mortgage and not go into foreclosure. I tried refinancing through a private company, but, since the ony income I have is social security I am always turned down. I have keopt the townhome rented at a cost to me financially and has become a burden. I have tried to sell the unit ( currently on the market ) -no takers. Well Fargo has always refused to refinance my mortgage because of income ... again, today the letter states call them for refinance really they keep me in circles instead of helping me. I am an XXXX yr woman that needs a little help. 
Don't know what else to do 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 2020-06-24
Company: Southwest Credit Systems, L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They claim that I have a XXXX  account 7 years ago and they forward it to collection recently in the amount of {$1400.00} and its southwest credit system, I did contact them trying to explain that this is not my account and they didnt care also I contacted XXXX  and they researched and didnt find an account under my name this is a complete false reporting and I need your help to fix it plz I am trying to buy a house and this is effecting me a lot

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Today XX/XX/18! I received an updated transunion credit report. The account XXXX is still reporting as an adverse account. They did not fix it. I spoke with XXXX a few times in regards to this and was told this account will be moved to accounts that are satisfactory. This account was never paid late.

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 2017-12-07
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Please refer to my previous complaint # XXXX. 
Rather than resolving the issue - this adamant and customer unfriendly bank ( US Bank ) simply messed up this issue further. 
1 ) Neither I have online access.

2 ) Nor I am getting paper statement or any kind of notifications. 

Due to my relocation plus issues ( mentioned above ) when i reported this matter - CFPB did nothing. Moreover this bank took further advantage of this situation. 

Rather than helping me they escalated this matter more. 
I want my money back and immediate closure of this account. I want US Bank to pay for the return check fees also. 

If CFPB can not do anything or be a mute spectator - please let me know whom to reach out 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 2021-09-08
Company: Pacific Credit Exchange Corporation
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I previously disputed an account on my credit report with Pacific Credit Exchange stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. '' I am disputing the legitimacy and accuracy of the original account. I didn't receive any documentation supporting the results of the investigation. I am requesting proof of the investigation and proof that this debt collector has a legal right to collect, or delete this account from my credit profile. 

I am in the process of buying a home and the credit report obtained shows the date of last activity is XX/XX/XXXX, but also reflects the account was opened XX/XX/XXXX with a past due balance of {$4300.00}. This does not make since. How can an account be opened after the reported date of last activity. This account is reporting inaccurately and needs to be removed from my credit report. 

The account has since reporting a date of last activity of XX/XX/XXXX and I don't understand how this account can keep reporting activity when I haven't done anything. 

If this debt is infact valid, I would like to see the date of last activity from the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-07
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: Their investigation did not fix an error on your report

Complaint:
To my knowledge, I have not signed any documents authorizing the following companies too view my credit history therefore, these inquiries into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

XXXX XXXX Inquiry from XX/XX/XXXX. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX ... Experian XXXX for XXXX Inquiry from XX/XX/XXXX ... XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX - XXXX XXXX XXXX Inquiry from XX/XX/XXXX - XXXX XXXX Inquiry from XX/XX/XXXX - XXXX  XXXX XXXX, XXXX XXXX Inquiry from 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 non-monetary relief
Consumer complaint received 2020-05-07
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
First, I have TRIED to contact Experian directly -- over twenty ( 20 ) times -- but ALL that they now have is several infuriating " customer service numbers '' : NONE of which leads either to a real person, or any of their canned menu options relating to my problem, below. 

Second, I was simply trying to place a " one time use '' release on my Experian " Security Freeze ''. Their website is great -- it allows you to fill out a form to do exactly this. The problem of course is that IT IS NOT WORKING AT ALL! 

Third, so, still, no problem, right? I simply call one of their numbers to talk with a real person to solve this problem, right? SEE NUMBER 1 ABOVE -- THERE IS NO ONE 'AT HOME ' ANYMORE AT EXPERIAN !!! -- one of the 3 MAIN credit reporting agencies in the U.S.!!!

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 2019-02-07
Company: CNG HOLDINGS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I RECEIVED TWO LETTERS in the mail from XXXX XXXX XXXX in regards to debt they claim I owe XXXX XXXX. Account numbers are XXXX AND XXXX. I contacted the collector and was promised that after each debt was settled, they would both be deleted from my report. 
I offered to pay {$650.00} XXXX and {$700.00} for XXXX. They verbally accepted the offer via phone and I am waiting for them to remit a written agreement stating the debt will be deleted via postal mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Chaparral Inc
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
they have written the debt off and it has been removed from my report. Yet still run hard inquiries on my credit every month. This needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: Continental Services Group, Inc. d/b/a ConServe
State: AZ
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:
Upon review of my credit report in XX/XX/2019 it was brought to my attention there was several accounts that reported negatively that needed my attention. A few separate accounts were owned by the separate collection agencies, one being XXXX. I sent a original certified and notarized letter requesting validity on the alleged debt on XX/XX/2019 to XXXX, and requested items be deleted per my report if validity not received in the allowed time frame. I have not received a response letter in this matter but instead received a second bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
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: Account information incorrect

Complaint:
On XX/XX/2018, XXXX XXXX XXXX reported a negative trade line on my credit report without sending any verification in regards to the CCLR report standard form 750 claims collection litigation report Sec.904.2 of the federal claims collection standard 31.CFR900-904 is a requirement relating to particulars in the amount of {$46000.00} and {$33000.00}. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they must have a post judgement from a court of competent jurisdiction or 2 ) prior consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York general business law sec 349-Deceptive act, sec 380S-Identity theft and title 15U.S.C.Sec.1632-form of disclosure ( 2 ) creditor to provide contracts to the bureau. As defined under the title 18 U.S.C.Sec 1030-Access devise the reporting agency did not follows the laws under title 15 U.S.C.1681 S-2 ( a ) - duty of furnishers of information to provide the accurate information Attachments area

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 2017-12-06
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received an online bonus offer to open a new checking account, and that if I made {$2500.00} in direct deposits, and maintained a balance of {$2500.00} for 95 days, I would receive an account opening bonus of {$300.00}. 

I received a bonus {$150.00}. I was told that the bonus was for a different type of checking account ( even though I followed their link for the {$300.00} bonus ), even though I made the appropriate direct deposits, and maintained an over {$5000.00} balance for over 95 days. 

I 've made a few calls into customer service ( on hold for over 30-45 minutes each time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-05
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I opened this loan I think at the beginning of the year or end of last year. I have been a loyal customer they do n't have to call me about a payment l pay when its due or a day later. The way I have been treated since i lost my job on XXXX is pure ridiculous and hurtful. The have customer they have to call every month because they are always behind. When I got this loan i was ASSURED it had employment loss coverage. I called on yesterday to put that into affect only to be told I was lied to and the one they added was XXXX. Well that I would never need and I did not ask for it. But I did ensure that I had the employment loss and i was told multiply times I did. Which was a lie. I was told that I can get my money back for that which would be prorated Okay fine. I was told they did not have the employment check although i told them that was what i needed because I had faced a layoff before and you never know what can happen in the future I was assured that it would cover all loss of employment. The branch when calling today was point blank rude. How do you treat your good customers like this? This turns a good customer into a bad one with rude workers. I need this resolved.

Company response to consumer: Closed with explanation