BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-05
Company: WELLS FARGO & COMPANY
State: NJ
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 received a notification and check from Wells Fargo regarding a legal settlement between Wells Fargo and the Consumer Financial Protection Bureau addressing the banks sales practices. The XX/XX/2021 notification indicates that the bank is refunding fees in the amount of {$24.00} because they were assessed before I began using my account. 

The letter also provides that, This check also includes an additional amount of {$4.00} to compensate you for the time you did not have these funds. Thus, I understand this notification to advise me that Wells Fargo is refunding {$28.00} to me. However, the check is ACTUALLY for only {$24.00}. 

I write to complain that : ( 1 ) Wells Fargo still owes me the {$4.00} ; and ( 2 ) Wells Fargo has violated its legal settlement with the Consumer Financial Protection Bureau by failing to pay out monies to its customers as directed by the agency. 

Knowing Wells Fargos improper sales practices, I believe my wrong payment amount was NOT an oversight. For this reason, I did not reach out to Wells Fargo as I believe this error is yet another deliberate improper practice by the bank and numerous others have also been wronged in this manner. 

I will deposit the {$24.00} check before it becomes stale. However, I respectfully request that your agency have the bank send me my {$4.00} WITH INTEREST now accrued thereon and that the agency look into whether numerous others have also, yet again, been victims of Wells Fargos improper practices.

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 2021-05-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I HAVE A XXXX ACCOUNT APPEARING ON MY CREDIT REPORT THAT I THINK IS LINKED TO MY IDENTITY THEFT CASE FILED BACK IN 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I've applied for an Apple Card provided by Goldman Sachs, multiples times, but each time I've applied ( through the XXXX XXXX  app on my XXXX ), I've been denied. On a constant basis, I get e-mails and ads from XXXX suggesting the I apply for an Apple Card. Each time that I launch the XXXX XXXX app on my phone, a message pops up to suggest that I apply for the Apple Card. These ads pop up all over my XXXX whenever I attempt to complete a financial transaction or use the wallet. 

I shouldn't be bombarded with these ads from Goldman Sachs in reference to the Apple Card if they are not going to actually give me the card. Because this company is partnered with Apple for this venture, I shouldn't have to keep getting these constant ads for something they are not allowing me to have, each time I use an app on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: John C. Heath, Attorney at Law, PLLC
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Lessington law is advertising up a situation where you don't have to pay your bills for as long as the colvig 19 is in affect I have tried to go through that process and I'm not getting any response at all I have called every day for 3 weeks to get this product and nothing has happened so I'm disputing that issue right now to upper management and alter the paralegals and the car to repair attorneys.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
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: Credit inquiries on your report that you don't recognize

Complaint:
Received credit report from Experian XXXX for XX/XX/XXXX. Inquiry was made by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CA XXXX, no phone number given. Letter sent to the company XX/XX/XXXX requesting why they obtained my credit report. No response has been given. I do not recognize this company.

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 2021-10-05
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
We paid off Chryler capital Acct XXXX on XXXX XXXX. XXXX also authorized the payment. Confirmation {$2500.00} but they are claiming they dont have the payment they also try to get more money out of our bank account {$2800.00}. Which was wrong amount. The bank stop payment on that amount. BUT they claim our money is no records and holding on to our Lien release for our XXXX XXXX XXXX.please help us to finalize our payoff. And to get our lien release

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 non-monetary relief
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-05-05
Company: Vermont Student Assistance Corporation
State: VT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I attended Vermont XXXX XXXX obtaining a XXXX XXXX and a XXXX XXXX XXXX in XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX with funding provided through federal and private loans through VSAC. 

I wasn't aware of the Public Service Loan Forgiveness option when I first became a public servant in XXXX, so all of my payments made prior to consolidating all of my loans with XXXX in XX/XX/XXXX were part of PSLF, but not the public service period which covers 36 additional payments not being counted for PSLF. So, that is one problem.

The other issue is with the private loans through VSAC - Vermont Student Assistance Corporation. The original private loan was for {$61000.00} in XXXX when I graduated. I have currently made {$53000.00} in payments. So, assuming the APR was low, I would only have {$8100.00} remaining to pay. But, the VSAC statement sent to me on XX/XX/XXXX has a balance of {$51000.00}, which means if I paid off the current balance, I would be paying {$100000.00}, which is {$43000.00} MORE than the original loan amount. So, VSAC would be earning {$43000.00} in interest on these loans. When I realized this was just a losing game and I couldn't pay any longer, I stopped paying during the Pandemic, and I offered {$15000.00} in settlement of the remaining debt, but they refused to accept a debt settlement amount and stated my only option was to participate in their " Private Loan Rehabilitation Program '', which means no reduction in my overall balance, it just means I have to pay the same balance, which has been growing every month as they add more and more interest, and it just takes longer to pay it off. This not sustainable at all. I can not keep paying more and more every month for a debt that should be paid off with less than {$10000.00}! 

Please help. I am drowning with the VSAC private loans. I want to do the right thing and have tried to pay these loans off, but it just feels like a neverending process. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: McCarthy, Burgess & Wolff, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from McCarthy, Burgess & Wolff ( A Collection Agency ) dated XX/XX/18 stating that I owe the amount of {$1600.00} to XXXX XXXX. Well, I have NEVER had an account with XXXX XXXX. 

I tried calling the phone number on the letter ( XXXX ext. XXXX ) to reach a XXXX XXXX, but that number was for a completely different company ( XXXX XXXX, I think ). It was NOT the phone number for the collection agency. Obviously, something is very fishy. 

I just sent a letter to McCarthy, Burgess & Wolff explaining that I never had an account with XXXX or XXXX XXXX. 

The account number they gave me : XXXX Reference # : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the accounts was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX Reported Fraud card XXXX XX/XX/XXXX New card end XXXX issued XX/XX/XXXX Reported Unauthorized Charges on card end XXXX XXXX XXXX  XX/XX/XXXX {$49.00} XXXX. XX/XX/XXXX {$12.00} NEW CARD ISSUED XXXX XX/XX/XXXX Reported Unauthorized card end XXXX XXXX XXXX XXXX {$25.00} {$12.00} No NEW CARD ISSUED XX/XX/XXXX Reported Unauthorized card end XXXX Merchant Security Unknown Unauthorized XXXX {$9.00} {$25.00} XXXX {$28.00} XX/XX/XXXX {$47.00} XX/XX/XXXX {$34.00} XX/XX/XXXX {$21.00} No NEW CARD ISSUED UNTIL XX/XX/XXXX card end XXXX Reported Unauthorized on XX/XX/XXXX Merchant Security XXXX {$120.00} XXXX XXXX XXXX {$110.00} XXXX {$75.00} {$170.00} XXXX XXXX  DUPLICATE CHARGES from Fraud of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Security of {$230.00} XXXX XXXX. XX/XX/XXXX Reported Unauthorized XX/XX/XXXX {$190.00}. My card changed end XXXX When USAA reported my data breached Why was I left with card UNAUTHORIZED REPORTED FOR 2 FULL MONTHS? XXXX. XXXX and XXXX I was using a Compromised card but Unaware XX/XX/XXXX and XX/XX/XXXX remained end XXXX UNTIL XX/XX/XXXX changed to XXXX Then USAA issued Breach end XXXX USAA DOES NOT PROVIDE ACCESS TO ON LINE due to my XXXX CALLING IS THE ONLY OPTION THEY GIVE CALLING NEVER RESOLVES

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting Act XXXX XXXX : XXXX violated my rights.

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

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with 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 non-monetary relief
Consumer complaint received 2017-09-18
Company: Navient Solutions, LLC.
State: GA
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:
Hello, I attended XXXX XXXX from XXXX. I used XXXX XXXX, which is now Navient, to fund my XXXX years of matriculation. I amassed {$90000.00} in student loan debt. After graduation, I pleaded with them to lower my payments from {$700.00} per month to {$200.00} per month. They said no. At the time I was only making {$1200.00} per month. I felt as stated before that this was predator lending at its best. Then when I reentered XXXX school the loans were deferred due to education, but somehow they became {$150000.00} dollars. When reviewing the statement it was like looking at how is the interest rate so how on one of the loans. Almost like they were/are adding interest everyday. When I asked lower the payments again after the deferment period ended they said they can only lower it to {$670.00} per month. I am attending school again and they refuse to defer it citing that is not in the agreement that I signed. However, when I asked for all promissory notes and agreements that were " signed '' to be sent to me, they refused. Saying that I should have kept a copy for myself or just look at the copies I already have. I feel like I am paying under duress to save my credit score. However, I am unable to leave a life comparable to be happy and free. I understand repayment, but a company can not bleed someone dry when there is no blood to be given. Now they want me to pay a {$1000.00} + this week, but they say call back to see if it can be lower. Yet, I can never be sure if they are going to help me. They are more harmful to my finances than helpful. Why are they so secretive with my account? Why ever month do I receive phone calls about a past due balance, but then they discover they are wrong ( especially when it is directly withdrawn from my account )? This inappropriate, fraudulent, and unprofessional. 
Loan Accounts : XXXX Signature Student XXXX Signature Student XXXX Signature Student XXXX XXXX XXXX Smart Option

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: CT
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Starting a couple of years ago, I was getting collection calls for someone name XXXX XXXX ( I don't know the spelling but it sounds like that ). I have had my phone # since XXXX. I tracked down the original caller who said it was debt from a hospital. I called the hospital and they couldn't do anything about the calls. I continued to get calls, no matter how many times I told the caller I am not that person, don't know that person and that person gave them a wrong number, they persist. I received yet another call XX/XX/XXXX at XXXX from Radius Global Solutions. I took the name down told them they had the wrong number. I was put through to the  supervisor and told him also they had the wrong number. 

I have tried over and over again to get them to stop. It is not my debt and I don't know who the person is.

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 2021-05-05
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Good Day Ma'am/Sir PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently, and Paypal is accusing me for sale of unapproved file sharing services and monetery damages without any evidences, I'm asking them evidences but they just always answering me that the decision is already final. My email linked to my PayPal is XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
I purchased a TV online with XXXX XXXX which I never received. The TV was supposed to be a legitimate XXXX TV. The first charge was supposed to be for a XXXX XXXX for {$2000.00}. Then after speaking with them it was switched to XXXX XXXX for {$3000.00} on their advice. Yet I was charged {$3200.00}. Bank of America refunded {$2500.00} but bank let the merchant keep {$720.00}. {$400.00} for shipping back and forth. And a 10 % restocking fee. 

Note : no tracking number was provided. I attempted to cancel the order once I knew it was a scam by saying that I found the TV somewhere else cheaper. I just wanted to be done with this company completely. The TV is not a legitimate XXXX TV.
XXXX does n't even authorize XXXX to resell their TVs. They also go by many different names as XXXX XXXX XXXX 's XXXX, XXXX XXXX XXXX. 

BOA did n't ask me for any of my documentation and XXXX only sent in documents to help their side but did n't send in all the corespondence. Bank in this case did not do their due diligence in seeing what a scam XXXX is. Please, help me to resolve this matter swiftly to protect myself other consumers from these unethical practices by this unscrupulous company. I appreciate your help in this matter. 

Thank You! 
Cordially, 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 2023-01-27
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions View full complaint

Company response to consumer: Closed with explanation