BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-06
Company: EQUIFAX, INC.
State: CO
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 requested review of a past statute erroneous debt reported to Equifax on XX/XX/XXXX. I had already reported this file to the other reporting bureaus and had the report successfully removed from my credit reports. I stated this debt was from XXXX and is past statute. However, the reporting agency simply updated the report to show the same dates as before and that the debt belonged to me. 

I again disputed the result by submitting images of my actual XXXX bill and other debt collector statement claiming the same debt owed predating the date provided by XXXX. No notification was sent to inform me that the review was complete. No changed were made by Equifax they simply continue to say the debt is verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Experian Information Solutions Inc.
State: CA
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 were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : 01  XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX  ( Original Creditor : 12  XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX . XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : 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 2021-05-30
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hi I sent a 30 days to comply letter to all three credit bureaus and its been longer than 30 days and They still havent got back to me to verify the accounts in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was traveling outside the country, while working for the Gov't for 6 months or so. When I came home I noticed a massive fraud. Originally Chase only credited me {$3100.00} for the fraud, which they had they reversed which is a total crime. Outside the {$3100.00}, the fraud was massive. All of the following transactions were fraud, in addition to the {$3100.00}. 
ATM Withdrawals : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Also there were the following wires : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Four people have been arrested and charged with credit card fraud and grand larceny, by the XXXX. They were apart of an very organized group. It wasn't only myself who was robbed, it was a massive criminal enterprise. I have told Chase, sent them the police report. The story was even in the XXXX XXXX. They are aware of all this and still haven't given me my money back, even though I paid for protection against fraud and have been a customer for 30 years without an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: WELLS FARGO & COMPANY
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have tried to solve this issue in the past through cfpb now that I've given up with Wells Fargo. They have been allowing overdrafts on my account and charging an overdraft fee which I am opted out of and was clarified that I was opted out of sometime earlier this year. On XX/XX/XXXX I had two charges to my account accompanied by overdraft fees after my complaints on this website on XX/XX/XXXX and " resolved '' on XX/XX/XXXX. 

I am opted out of overdrafts on my account, I am also subsequently opted out of the fees accompanied by them. Yet it continues to happen. My tax returns this year have gone into paying this bank for their improper use of their own system. The " excuse '' of them being a recurring payment and is allowed to be processed like and overdraft is unjust and XXXX be the reason that I excuse myself from using this institution any longer, seeing as how it is inconsistent from other institutions, including when I first made my account with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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/XXXX I submitted disputes with XXXX and TransUnion. On XX/XX/XXXX, the accounts was removed from my credit file. On XX/XX/XXXX the same accounts that was removed from my credit file was added back to my credit file with out any notice from XXXX and TransUnion.

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 2019-05-06
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:
This is my written request to block information in my credit file that is fraudulent, my identity has been compromise in pass data breaches, I have account in my file that do not belong to me and you have previously removed but now it came back as a collection .Please block these account, note that there might some accounts that a not showing in my credit yet. I'm currently receiving collection mail from different place, I will report them as they come. I have follow the steps and filed an FTC complaint that is attach to this report well as my ID and SS. Thank you.

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 2017-12-03
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I applied for a speedy cash loan which was {$350.00}. I paid by the money I owed which was {$1100.00} now speedy cash is telling me I have to pay and addittional {$470.00} and I have to pay the full amount or refinance with more fees which I dont have I have been paying {$99.00} every two weeks per pay check. Is their any way I can get around paying the extra {$470.00}? I would really appreciate your feedback thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Back in XX/XX/XXXX I filed a complaint on XXXX who was trying to collect on a account that I had already settle and paid the amount that we settle on. XXXX contacted me about a old phone bill that had been placed in there office by XXXX for collections XX/XX/XXXX for  {$1000.00}. I ask XXXX to provide me proof that I owed {$1000.00} they could not. I had the last bill which stated I only owed around {$450.00}. I provided the collection company with that information in which they agree to take payments of {$150.00} until the {$450.00} was paid. After paying the agreement amount I never heard from the company again. I remember went recived my credit report and they have put another {$600.00} collection on my file after I have paid the required amount! I would like for the account to be marked as paid in full and removed from my credit report! I have attached my bank statement for the 3 payments totaling {$450.00}. The company now has now sold the debt to another company. I already settle on a amount with a different company which has been paid! Now they have resold the debt making it like I havent paid anything! This account had been detrimental to my credit score and has prevented me from obtaining financing! I again ant the account removed and marked paid in full I have paid the money that I have been asked for!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
So a few months ago I fell contacted XXXX XXXX XXXX in regards to putting some of my past due payments on the back because I was no longer and fell behind .At first they were not willing to work with me, so I had to take the complaint a step further, which is when I was contacted by XXXX XXXX Executive offices, who agreed to place the past due payments on the back, once I paid down I want to say a month or so. Once I did that they would place the remaining past due payments on the back, and update the late payments with the credit bureaus, because I faced a hard ship. Yet here I am months later and my credit reports still shows the late pays and it showed that I missed a payment which I did not since they put the past due payments on the back of my loan. The end story is that they are being misleading, by not 100 percent following through with what they said. I am truly grateful that they put the late pays on the back of my loan. But yet they promised to remove the late pays and did not, and reported another false late on XX/XX/19. This is absolutely insane!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I CAN NOT CURRENTLY WORKING DUE TO XXXX WHICH I HAVE BEEN FACING FOR OVER 3 YEARS. ALL STUDENT LOANS SHOULD HAVE BEEN DISCHRAGED THROUGH NELNET AS I HAVE ALREADY COMPLETED MY 3 YEAR WAITING PERIOD. THERE ARE STILL NEGATIVE STUDENT LOANS REPORTING ON MY CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Despite my three written requests, the unverified items still remain on my credit report in violation of Federal law. In the results of your investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? How did they verify them? You still have not provided me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. You have yet to provide me with any original consumer transaction documentation with my signature on 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 non-monetary relief
Consumer complaint received 2019-05-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
So a few months ago I fell contacted XXXX XXXX XXXX in regards to putting some of my past due payments on the back because I was no longer and fell behind .At first they were not willing to work with me, so I had to take the complaint a step further, which is when I was contacted by XXXX XXXX XXXX   offices, who agreed to place the past due payments on the back, once I paid down I want to say a month or so. Once I did that they would place the remaining past due payments on the back, and update the late payments with the credit bureaus, because I faced a hard ship. Yet here I am months later and my credit reports still shows the late pays and it showed that I missed a payment which I did not since they put the past due payments on the back of my loan. The end story is that they are being misleading, by not 100 percent following through with what they said. I am truly grateful that they put the late pays on the back of my loan. But yet they promised to remove the late pays and did not, and reported another false late on XX/XX/19. This is absolutely insane!!!

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 2019-05-06
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are payments that are being shown as 30 and 60 days late that are incorrect and other payments are shown as late during a loan modification when a payment could not be accepted.

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 2019-05-06
Company: BMW Financial Services NA, LLC
State: AE
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
After obtaining written payoff instructions from BMW Financial Services, I followed their procedures with my bank, XXXX. XXXX overnighted a certified check with the complete payoff. USPS tracking confirmed it was delivered and accepted by a XXXX XXXX   employee one day later, XX/XX/2019. 11 days later and BMWFS still doesnt admit to having the check. XXXX also confirmed the check has not been debited. BMWFS has offered solutions to this problem which have not worked, including having XXXX call the USPS to see where it was delivered, and to issue another check. XXXX and USPS both confirmed the dates and addresses were correct. It appears that either BMWFS for have incorrect information, to include addresses, or their PO Box wont accept payments via this method.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
ON XX/XX/2018 REPORTED FRAUDULENT CLAIMS TO BANK OF AMERICA AFTER REVIEWING MY STATEMENTS BACK A YEAR AND 13 OF THEM WERE NOT PAID, SUM OF AMOUNT NOT PAID IS $ XXXX.FILED FRAUD REPORT FOR ALL CLAIMS AND WAS NOTIFIED BY EMAIL.SEVERAL NEW CARDS WERE ISSUED TO ME BECAUSE I LOST MY WALLET OR CARDS WERE REPORTED LOST. 
I AM A XXXX PERSON ON SOCIAL SECURITY XXXX AND I DO NOT APPRECIATE MY SAVINGS BEING STOLEN FROM ME!! ALL CLAIM NUMBERS ARE LISTED ON UPLOADED LETTER WITH RESPECTED AMOUNTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-30
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a US Bank business checking account and business money market account with a promotion they were offering. At the time, the branch I opened the accounts at printed out a flyer that offered {$500.00} within 45 days of meeting the following terms : 1 ) Open a new US Bank business Gold or Platinum Business Checking Package and a US Bank Platinum Money Market account by XX/XX/2019. 

2 ) Then, you must complete {$5000.00} in new money deposits XXXX Direct, Mobile,  ACH, or Wires ) within 30 days of your business checking account opening. The cash bonus will be deposited into your new U.S. Bank Business Money Market Account within 45 days of deposit verification. 

-- - I opened the accounts on XX/XX/2019, and met the terms on XX/XX/2019. I contacted my local branch that opened the account for me on XX/XX/2019, after 45 days had passed from meeting terms to follow up on the status of the bonus. I was informed the promotion had not been applied to my account. I provided a copy of the flyer that was used to open the account with the bonus promotion and was told that they would follow up with the sales department. On XX/XX/2019, I was informed once more that the sales department would not be offering me the bonus, despite meeting the terms, because I was not targeted for this offer. I do not understand how this is possible given that the offer was printed for me by my local branch.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-03
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Under the laws of the State of Georgia UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC - 9 remedies.

I am not liable for this vechile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I made a purchase on XXXX for a XXXX XXXX  and paid using Paypal. The item I received from XXXX was obviously a counterfeit item, and not an authentic XXXX. I requested a return through XXXX, but was notified that the seller was actually a third party merchant who was selling through XXXX, but not actually XXXX ; and therefore, I can not return the item to XXXX and had to arrange a return through the actual merchant. However, that merchant ghosted and does not have valid contact information posted anywhere. 

I disputed the transaction for fraud through Paypal ( Case ID XXXX ). After Paypal 's review process, I was told to mail the counterfeit item back to XXXX ; however, the address provided by paypal ( which I had to upload tracking information for ) was not a street address. The return address provided by Paypal was : " Return address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX, United States '' Following the www address just leads to a blanked out contact information of the third party merchant. I called Paypal no less than 3 times and sent numerous correspondence regarding this issue ( which according to the customer service representatives was acknowledged and documented ) and submitted screen shots of what's behind the www address that Paypal sent, to prove that there was no return address. 

Regardless, PayPal closed the case and derailed any derailed an appeal ( opened by their phone CS team ), since " it is [ my ] responsibility to return the item '' and that they were complacent in allowing the fraud to occur unless " i can prove that I returned the item ''.

Company response to consumer: Closed with monetary relief