BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-04
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was checking my 401K account that is managed through Wells Fargo. I noticed that I was being charged a service/management fee on the XXXX  XXXX account, even though there was no monies being deposited to this account or through this account from XX/XX/17-XX/XX/XXXX. I called Wells Fargo, and they could not tell me why I was being charged a fee.

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 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
my checking account has been being shown as maxed out on my report when it barely has any amount left outstanding. I 've been waiting since XX/XX/XXXX for it to change. I 've filed a dispute, but no word back yet. I tried calling and every single time I call TransUnion, they disconnect on me. I have yet to find a way to get through on their phone lines without being instantly disconnected by their end. Their call center appears to be a sham and leaves me with no option of speaking with someone to understand what 's been going on with their lack of updated credit information.

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 2020-05-15
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX TD Auto Finance does not disclose the principal balance on my loan on the statement mailed to me nor on their website. To get the principal balance I must call them. I have never come across a lender that does not disclose the principal balance owed. I believe this is deceptive and must violate some consumer protection law. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: Midwest Recovery Systems
State: FL
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:
As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at least and unacceptable by every means. 

You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of XXXX about an alleged debt. 
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.

5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt.

14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge.

18. Invasion of Individual and Family Privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This account was removed from my credit report, but has recently been reported again as a new debt. Historically, there were payments made to three separate entities for this same account, but none of those payments are recorded in their system. I contact XXXX, XXXX, and XXXX in XX/XX/2018 to inquire, but they couldn't find me in the system. I was given the name of a law firm to discuss the matter with and upon speaking to them, they have now sent me a collection letter. These companies partake in predatory lending practices. I have requested contracts and other paperwork for my account, but they can't provide those items. These same companies were included in a federal lawsuit for the same reasons that I am experiencing and were ordered to dissolve all accounts. I would like that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
FedLoan refuses to appropriately address its repeated violation of laws. In a previous letter, FedLoan discussed section 682 ; however, they refuse to respond to its violations of 685. In violation of federal law, FedLoan Servicing restricts repayment in various ways including but not limited to : ( 1 ) limiting 8 electronic payments per month ; and ( 2 ) refusing to accept payments on weekends. The text of operative legal language is included below. Note that the law requires that borrowers be provided the opportunity to the prepay the debt AT ANY TIME. Therefore, FedLoan 's limitations are illegal. 685.211 Miscellaneous repayment provisions. ( a ) Payment application and prepayment. ( 1 ) Except as provided for the income-contingent repayment plan under 685.209 ( a ) ( 3 ) or the income-based repayment plan under 685.221 ( c ) ( 1 ), the Secretary applies any payment first to any accrued charges and collection costs, then to any outstanding interest, and then to outstanding principal. ( 2 ) A borrower may prepay all or part of a loan at any time without penalty. If a borrower pays any amount in excess of the amount due, the excess amount is a prepayment. XXXX XXXX XXXX Very truly yours, /XXXX/ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: EQUIFAX, INC.
State: MI
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 submitted a complaint to the CFPB in regards to inaccurate late payments being submitted to XXXX, Equifax and XXXX on XX/XX/XXXX. 

XXXX XXXXXXXX XXXX XXXX 

XX/XX/2020 LATE THIRTY DAYS The company XXXX XXXX has not completed the investigation within the time frame and keeps putting me off even though I have submitted documentation to the company in regards to the complaint. As a result, I would like the negative trade line REMOVED From my account entirely at all three reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I tried reporting fraudulent accounts on my experian and XXXX report. I have I sent in my FTC affidavit, my id and ss # and and fraudulent inquiries. The company has not investigate my claim and claim they don't have any of my information. I also sent a claim from cfpb website and the company responded that I wasn't the person submitting the claim.

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 2018-11-02
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Beginning XX/XX/2018 I begin my dispute process with XXXX, Equifax, XXXX   and XXXX concerning inaccurate and unverified bankruptcy reporting on my credit report maintained under my social security number. FCRA Section 611 ( a ) ( 2 ) requires the Credit Bureaus to contact the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged and dismissed bankruptcy. 

Therefore I have filed my FTC Identity Theft Report, and 605 B statement ( attached ) and mailed certified affidavits as notice of the guidelines of the Fair Credit Reporting Act has been violated as it relates to my credit file, according to the 15 U.S.C. 1681 2 ( b ) obligations to investigate. 

I requested validation of all data for this Bankruptcy reporting account, every notation, dates and balances, whether reported or not and errors pertaining to the following Personal Information. Per FCRA 611 ( 15 U.S.C. 1681I ) is required to provide me with a description of the procedure used to determine the accuracy and completeness of this disputed information. After my disputes were received by XXXX, XXXX, Equifax, XXXX, and XXXX XXXX, they are required under 1681i of the FCRA to forward me a dispute verification form to the original furnisher, requiring them to verify the credit information accuracy reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: EQUIFAX, INC.
State: MN
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 one missed late payment with XXXX XXXX XXXX is inaccurate. All of my payments with XXXX XXXX XXXX as always been on time. I have not had a late payment with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I have had a paypl account for many years used for buying and selling on XXXX. All of my transactions are documented from start to finish with all paperwork that is required. I have not had charge backs or complaints on my account since I opened it. All happy customers and great reviews on both platform 's. Recently I started selling my collection of sneakers and there was a uprise in transactions on my account. I got a email from PayPal on Wednesday XX/XX/2021 at XXXX XX/XX/XXXX saying PayPal locked me out of my account and is holding roughly almost {$1600.00} dollars for 180 days. I tried calling XXXX XX/XX/XXXX to rectify the issue and they said there's nothing they can do and wait 180 to receive my money because of charge backs .I have never once had a charge back or problem with that platform. I only have one pending transaction for {$260.00}. I think this is unnecessary and not right. Paypal has had several class action law suits for this reason. I'm not unwilling to work with them, but they are being unreasonable and giving me very broad reasons for the freeze. I don't care about working with them anymore. I just want my hard earned money. Please, any help is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25
Company: Experian Information Solutions Inc.
State: MD
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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  Experian : XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX  Experian : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX   Experian : XXXX XXXX XXXX  : XXXX   Experian : XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX  Experian : XXXX XXXX  : XXXX XXXX XXXX   XXXX : XXXX  Experian : XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX Experian : XXXX   XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX  : XXXX XXXX XXXX  Experian : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have obtained my credit report from XXXX XXXX XXXX and noticed there a several hard inquires that I have never authorized. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to Transunion, it is their responsibility to investigate my claims, and when they can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
Here are these hard inquires : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - 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 non-monetary relief
Consumer complaint received 2018-10-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The account XXXX ACC XXXX status is late..How is this even possible when payments are secured on time..I contacted the credit bureaus but I did not get a response yet..I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first..CFPB Please step up and reverse the late payemt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
No entity may include in a consumer 's report any adverse information deficient of physically verified validity of truth accuracy completeness and compliance..CFPB Delete the accounts XXXX XXXX XXXX-XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called on XX/XX/20 on behalf of my husband to get written validation of his debt- the agent said that it was sent for not just one debt but a second one we didnt receive any notice for, confirmed our address, but when I asked that they be re-sent ( since we never received notice of this debt until today in a pre-legal notice, never received ANYTHING in regards to the second debt, and never requested the validation from them previously and have never made direct contact with them ), and specifically asked that they be sent certified mail, the agent was extremely hostile and aggressive, and insisted I give her an exact amount that I would be able to pay TODAY or face legal action- despite my insistence that I would need to see those validation letters to confirm the debts and the amounts, and speak with my husband about them before making any payments or promises to pay. She proceeded to badger me with personal questions like what my financial discussions with my husband were like. We still have not received these validation letters, yet am being told if we dont make a payment by XX/XX/20 we will face legal action, including one debt that we have received absolutely NO correspondence about.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: NAVY FEDERAL CREDIT UNION
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I have contacted Navy Federal several times regarding the 24 returned check/ach fees. They agreed to credit 11, however I explained the situation, and how I was dealing with XXXX. They also allowed a charge to go through on an account that did  not have overdraft protection. I have asked them to resolve their error, but they keep giving me the run around.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: Experian Information Solutions Inc.
State: NV
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 received a copy of my credit report and I notice two hard inquiries that I don't believed are mine. XXXXXX/XX/2018 and XXXX XXXXXX/XX/2018please remove these two hard inquiries 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 2018-06-20
Company: Santander Consumer USA Holdings Inc.
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 status incorrect

Complaint:
I received a letter from Santander Consumer USA that I had until XX/XX/18 to make a payment of {$760.00}. And that if the payment was received by this date then my account would not go into default. L But they filed on my credit on XX/XX/18 causing my score to drop 42 points. I contact them and they stated that the letter was automatically generated and that the action they took were correct. They also filed that I owe the full balance of the truck which is incorrect, it should have only been for one missed payment at that time. {$380.00} The truck was deemed a total loss by XXXX XXXX XXXX XXXX and Santander was notified. I have never missed a payment ever and I dont understand why they did not honor the letter. I have called them everyday trying to make sure that whatever I needed to do was being done and to confirmed when they received the check for {$4500.00} from XXXX   XXXX. No one ever stated to me that I needed to make a payment because I signed the truck over on XX/XX/18 to XXXX XXXX. I informed them with proof from XXXX XXXX that they were sure to be paid. As of now I have contacted the insurance company which stated a check was mailed out on XX/XX/18 and the Postal service stated it should arrive in 3-5 business days with me giving them the zip codes of where from and where to. It should have arrived on Saturday XX/XX/18 and received Monday XX/XX/18. But every time I call Santander they a very rude with me and they are still stating they have not received the check. I feel discriminated against. They treat me like Im a joke. I have asked them for assistance since I am XXXX and has been for the past 5 years. And this morning Santander tried to pull my credit Without my permission or consent. I called them after they had already tried to pull it. I received an alert from the credit bureau.

Company response to consumer: Closed with explanation