BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-03
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this debt with this company this year asking for validation of this account and I received a bill in the mail from this company.I know my rights and a bill its not validation that I owe this alleged debt.This company hasn't provided proper validation and by law they need to cease all collections and reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have be a victim of identity theft, FCRA says that fraudulent information should be block from the consumer credit file.FTC complaint has been file and police report will be file too. 
Please correct this 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 2017-01-30
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient is servicing the loan and they are telling me the only way I can have my over payment applied to the principal is to call them or contact them every month to provide special instructions on each individual payment. Every payment from here on out will be an over payment. This is unacceptable because I should n't have to spend an hour every month just to have them apply my payment correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
3 years ago wells Fargo said I was spending my money in a suspicious way which I wasn't, I was just buyinXXXX XXXX They closed my credit card and my checking account which caused me to loose out on {$4500.00} to be made. That took me XXXX weeks to set up a new bank and accounts with bank. When I asked what I did I was just told I was a suspicious activity which I took very hard because I work hard for my money and will spend it how I please. That's my complaint and have no wish to talk to wells Fargo in the future

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 2023-05-26
Company: Kikoff Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
to whom may concern, i never opened a kickoff account get help with my credit score. if possible i need this credit taking off my credit report.and have a boost to my score for this matter that also took my score down a lot of points...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
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 mailed a validation letter for the debt dispute. The debt collector failed to provide any accurate information. In addition, the reported balance is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I submitted my first dispute letter in XXXX. I sent it certified mail. It was signed for XXXX XXXX. 
I waited 45 days and submitted another letter asking them to remove all inquiries in accordance with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41,  et seq. ) I was told on XX/XX/XXXX, that they are just now starting the investigation and it will not be completed until XXXX XXXX. 

This is a clear violation of the FCRA. It is not the consumer 's fault that it took them over 50 days to process my information. It is their job to comply in proper time given. This is unfair and unacceptable and is ruining lives.

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 2022-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2018-08-29
Company: Harley Davidson Financial Services Inc
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I got a loan through XXXX XXXX XXXX for a new bike spring of XX/XX/2017 the out the door cost was {$25000.00} they told me the interest was 7 % later on it changed to 19 % and at the end of the loan I would be paying over {$40000.00} for the bike Ive made my payments for the past year which where {$670.00} a month Ive asked XXXX to lower my interest rate because I previously had a bike through them that I payed off completely they refused I feel they put me in a loan that is outrageous and is made to put people in default and should not be allowed to write loans like that for motorcycles and I would like help getting my interest rate and loan amount lowered please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX ; First interaction with Wells Fargo ( WF ) to obtain a home mortgage. Chose WF based off lowest interest rates. 

XX/XX/XXXX ; Purchase Contract for home buying signed, attorney review begins. 

XX/XX/XXXX ; Pre-approved by WF for a home mortgage. 

XX/XX/XXXX ; Attorney Review complete. Under contract for home buying. Closing date is stated to be XX/XX/XXXX. 

XX/XX/XXXX ; No approval letter from WF yet. Seller has a tenant living in the home, no certainty of what is going to happen. 

Today, XX/XX/XXXX ; Still no approval letter. 

My family are on a military PCS transfer from XXXX  to XXXX. The regular stress during a move across country coupled with the uncertainty dealing with the current pandemic elevates everything. My wife and I responded hourly to every request, email and phone call during this home buying experience. Still, no approval and no home. We have provided over 55 documents to WF as requested from them. Along with countless phone calls and emails. Still, no approval and no home. It has been 49 days from pre-approval, with our email and phone responses being immediate. Still no approval and no home. We were surprised by the seller having a tenant but they will not be vacating for another 30 days and that the purchase contract date of XX/XX/XXXX was just an " estimate ''. Still not approved and no home for another 30 days. 

At multiple points in this relationship with WF, we would of switched to another mortgage company. This was not possible in late XXXX due to the mortgage process taking 30-45 days, as per another Lenders estimate. We thought the purchase contract closing date of XX/XX/XXXX was The Day, so there was not enough time to switch lenders. We can not back out of the purchase contract without a denial letter. We are not being approved, even after every request being met. We demanded from WF to either be approved or denied, which was met with, " one more document is requested. '' For the past 26 days, we have been living in hotel rooms, and with family or friends. Zero certainty if we will be approved to buy our new home, be denied after all this time and then have to rent, or be sued by the seller for wasting their time. But as on today, we are not approved, also not denied and still no home. 

I have reported to duty in my new XXXX XXXX XXXX unit, sleeping on my friends couch while me wife is staying with my grandparents 3 hours away. 

*Any documents requested for proof, evidence or assistance can be provided. 55+ mortgage approval requested documents. 100+ emails. A few dozen phone calls. 4 WF employees involved. WF executive customer service complaint department notified and case opened. 

Please help us.

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 2021-05-08
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX, THE ONE AND ONLY XXXX XXXX WHO's SOCIAL SECURITY NUMBER IS XXXX ( Which is attached XXXX am a victim of identity theft. I Filled out a FTC report about it ( report # XXXX ) .by FCRA LAW you must remove these fraudulent accounts after 4 days of receiving this on XX/XX/2021. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that i am seeking to block.If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). furthermore, This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT OR INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
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:
The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be deleted ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX TO Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter from Citi on XX/XX/XXXX, asking for additional information to update Citi 's records. I called the contact number XXXX the next day. They asked me some personal information and I gave them all the information that day. Then on XX/XX/XXXX I received the same letter and because I had given the info earlier I did not respond to the second letter, I thought that they had the info from my phone conversation. Then on XX/XX/XXXX they blocked my checking account. I went into the local Citibank and spoke with XXXX XXXX who was an account manager. I then told her that my account was blocked and she called the office that handled the problem. She asked them why they blocked the account and she was told that I had to give them additional info so that they might undo the block. She asked me a lot of questions about my past job and who I worked for and when I retired and how much money I earned then, and other items for their records. She filled out the paper work and sent it to them on her computer, so they got it instantly. XXXX told me that it would be 4 to 5 day 's before they could unblock my account after they review my info. About a week later I called her and she then told me that they needed additional info about my wife and her jobs and pay. I gave them the info and they again told me that it would take four or five days to review the info. Then on XX/XX/XXXX I called again and they asked me for more info, I sent in the new info on e-mail. I then called on the XXXX and they told me they did not receive the e-mail. I then wrote another E-mail with the new Info on it and sent it in with the E-mail from the day before that they said they did not receive it. I called again a few day 's later and the girl said that the person reviewing the information was working on it and it should be another 72 hours. I don't know how this information could be so important as to put a hold on a persons checking account I have been a customer of Citibank the day after we got married XX/XX/XXXX. I have not done anything wrong and they are treating me like a criminal. My name is XXXX XXXX, I live at XXXX XXXXXXXX XXXX in XXXX XXXX, Fl. XXXX. Please help me I am XXXX years young and should not be treated this way. Reference # 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 2020-09-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I apply for XXXX loan from Bank of America, but Bank of America doesnt email loan documents to me, I call Bank of America many times tell I dont have receive email, I double check my email address with Bank of America, but I never received loan documents, so I dont sign document, I dont have get money, Bank of America Officer is rudely, always tell me dont know why, hang out my phone,

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 2022-09-21
Company: Experian Information Solutions Inc.
State: IL
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$320.00}

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 2022-12-22
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The account with Santander Consumer is reporting incorrectly. This was an auto loan and the loan was paid off in XXXX. The vehicle was traded in on XX/XX/2022 and the dealership paid off the loan. Santander reported that this was 30 days late and they received the full payoff. I contacted the company and disputed this and they referred me to the dealership. The first person stated that they had a computer problem and did not post the account for over 10 days. The next person referred me to the dealership and stated that they were not making the change. The loan is paid in full. I want this reported correctly that it is paid in full and to remove the 30 day late notice. This negative remark caused my credit score to go down over XXXX points!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
Greetings, I am in receipt of a letter from Chase Bank informing me that should I not decline in writing before a pretty short deadline that I forever lose the ability to sue and also to join class-action suits against them. 

I believe a change like this, which happens automatically unless the consumer reads and responds to the letter as predatory in nature. I believe the CFPB is the right governmental agency to ask for assistance on behalf of all Chase customers. 

Taking away consumer rights has to stop! This is akin to a smash-and-grab robbery from the corporate level.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
MACYS/XXXX  XXXX This debt was paid and closed on XX/XX/2020 however my credit file still shows a balance. The balance should be reporting as XXXX! This is preventing me from getting the credit I deserve and needs to be corrected or delete the account right away!

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 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Transunion has a lot of inaccurate and negative information on my report. When I tried to go online to obtain and dispute these information, I am getting to call and request a copy in the mail. I called Transunion and they can't give a reasoning I was told I had to wait for my credit report to be mailed to me within 4-5 business days. I think that is ridiculous.

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 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XX/XX/2020

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