BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Delete this 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 2019-03-10
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I graduated from XXXX XXXX XXXX  XXXX in XXXX with debt over {$150000.00} in private and federal student loans. After years of paying, I realized that the private loans listed my school as XXXX XXXX XXXX XXXX XXXX. I never attended that school. The error made me concerned that other data in my account might be wrong too, like the amount owed. 



As of XX/XX/XXXX, Navient claims I still owe {$23000.00} from attending XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I uploaded a letter to XXXX, equifax and XXXX  and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. XXXX, equifax or XXXX doesn't have any files to verify this account, nor will they delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I originally, purchased a XXXX XXXX XXXX to XXXX XXXX XXXX dealership/rep. was XXXX ( email att. ) leased thru XXXX XXXX XXXX.   Months after I returned the XXXX vehicle and got a new lease at same dealer for a XXXX XXXX XXXX XXXX in XX/XX/XXXX, I started getting billed for the first lease charge of approx. {$2000.00} ( see att. ). In XX/XX/XXXX, I filed bankruptcy but continued to pay my XXXX new vehicle lease. I have called XXXX on many occasions to correct payments from being applied to the XXXX account instead of XXXX and also missing payment not accounted for via email ( copy att. ) without response. They will not provide me required info because of my status, but have sent me an illegible statement of payments and incorrect two statement thus far, this has been ongoing now since before the BK was filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-27
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
American Express receives credit and payments but doesn't update the balance. They also add unnecessary late fees and try double existing charges. They are even trying to prevent me from having a balance transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX is negatively reporting to XXXX and Equifax from an account that is 14 years old and was also included in my chapter XXXX bankruptcy that was filed XX/XX/2013. I know my bankruptcy is going to show for 10 years but XXXX is not allowed to negatively report separately from that. Also that old XXXX account is 14 years old and they are only allowed to negatively report for seven years in Oregon. I have disputed it over and over again and all they did was add some comments next negative reporting. By law this old XXXX account is supposed to be deleted but most importantly I am already getting negative reporting for the chapter XXXX bankruptcy which XXXX XXXX was included in in 2013 but they are reporting separately from that as well, which is hurting my credit twice for the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Sales financing company Contact Information XXXX XXXX XXXX XXXX, FL XXXX BYMAILONLY XXXX/XXXX  XXXX CR Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Sales financing company Contact Information XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Tenant screeners ( reseller ) Contact Information XXXX XXXX XXXX XXXX, CA 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 2020-05-20
Company: Experian Information Solutions Inc.
State: AR
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 call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX   XXXX {$800.00} XXXX  XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX {$120000.00} XXXX   XXXX XXXX {$120000.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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 2020-05-20
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Lost my job and unemployment ran out. I have been trying to pay something to card to lower balance. Since XXXX XXXX in late charges and not including interest. Called for a pay off and close account. Had amount taken out of my checking. I now received an additional XXXX plus interested. The payoff amount was given to me by Commenity Bank. I explained that I got a job in XXXX and after 3 weeks I wa s laid off due to Virus. I asked for assistance and they refuse to help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-02
Company: WHEELS FINANCIAL GROUP, LLC.
State: FL
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:
Starting XX/XX/2020, I started shopping for XXXX XXXX XXXX with no credit needed as long as I had a free and clear Title to my car that would be good enough with a few more details needed but no Credit under several names but still being 1 of same company ran my report threw experian 4 times one being the last XX/XX/2020 that bringing my score down i ask before in the beginning no report ran unless its for ID purposes only!! And the loan wasn't declined for credit reasons ... .Well it was and for that reason makes it difficult to apply anywhere else.. The company doing so goes under names that are still 1 company knowledge of this would have helped in how many times I applied to company if the same results were given at the first XXXX XXXX loan company or XXXX or XXXX XXXX  approved no credit bad credit approved

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon viewing my credit reports I notice a negative mark from the following compan y, American Collections listed on my credit report as a debt owed. I have never been in contact
with anyone about this allege debt. My consumer rights to dispute this allege debt has been violated. Which puts the company American Collections in Violation of the FDCPA 15 USC 1692 for numerous of Violations. 

Due to American Collections violating the FDCPA and my consumers rights the company and its employees has caused me irreparable harm and defamation. Which will follow with a tort claim. 

For the record, I do not have a contract with this company American Collections, I have never received funds from this company, nor have I ever gave this company consent to have access about my personal information or to use my identity to try and gain profits. 

American Collections is in violation of the HIPPA Privacy Rules and breach Confidentially. This Company did not provide me a HIPPA Release that I gave them any consent about my health or other personal Information.
This company is again in violation of the FDCPA and HIPPA Laws and caused me a great amount of damage.

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 2018-03-05
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I feel that I was taken advantage of by XXXX XXXX / Navient from the beginning because of my age. XXXX XXXX never questioned my ability to repay my loan. They never considered my age when the loans were given to me. I am XXXX and have over One Hundred and Seventy Thousand Dollars in Parent Plus Loans. The total just keeps growing because I have been consistently pushed into Deferment/forbearance due to my inability to pay the large amounts they are asking for each month. I hand no way to repay the loans when the loan money was obtained and have been unable to get any reasonable repayment amount based on my income. I cant take {$500.00} to 600 out of my paycheck each month a still survive. I intended to repay this loan back in full but now I realize that I will not live long enough to even close. Please help me as my only way out is if I die.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been fighting for my rights with Wells Fargo for almost 3 years. A credit card was fraudulently opened in my name in XX/XX/XXXX. I got a statement in the mail in XX/XX/XXXX. I immediately called and reported that it was not my credit card and not opened or used by me. The law says if a person reports identity theft which I stated in that first conversation they are not responsible for the charges. Visa also says if the account is in good standing and reported as fraud then there is zero liability. Not only has this company broken the law they have reported it to the credit bureaus with a false statement saying this was resolved. I had checking and savings accounts with them that they chose to close because of the identity theft and they stated it was a security risk keeping them open but they refuse to provide me with clear, definitive proof that these charges belonged to me. The burden of proof is on Wells Fargo they have not provided me with this information I want this resolved immediately

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 2020-10-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a new Toyota on XX/XX/2020 as well as GAP, an extended warranty, prepaid maintenance, and tire and wheel. I am trying to cancel these in a timely manner to avoid interest charges. Toyota is making it very difficult to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: TRANSWORLD SYSTEMS INC
State: NJ
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:
This is a complaint about TSI - Transworld Systems Inc. I have tried to resolve this numerous times with them myself over the phone but to no avail. 
They claimed numerous times that they mailed me letters but they did not. 
They placed a collections on my credit for {$370.00} a couple months ago already, which is totally bogus. It's a XXXX XXXX bill that they and my insurance from 4 years ago have resolved but yet they put it on my credit WRONGLY. We sent them the insurance info about two years ago when they initially invoiced us but they claim it wasn't accurate bla bla. The insurance company is from 4 years ago and they long closed the case. I disputed it with the credit agencies as well and some have removed it from my credit. There is one or two ( out of the three ) that is still on because TSI claims it is correct, Well, it is totally dead wrong and should be removed. There is no one to talk to at TSI. They never figure out where the dispute status is up to and they never send letters in the mail. I request full legal action against them and to have the collection removed from my credit immediately. 
Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: Experian Information Solutions Inc.
State: CO
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 checked my credit reports to find that XXXX XXXX sent my account to collections without notifying me, and reported that my bill was past due as of XX/XX/2018. I never received a bill from them after filing bankruptcy. I AM not aware of the total balance, or a past due date. They would not speak to me about the balance during the bankruptcy, which is the law, but there was no correspondence once the bankruptcy was discharged. How can my account be past due if they never sent a bill? I want it off of my credit report. And I'm fully aware that XXXX, the company with the account now, is not the one that takes it off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
XX/XX/2014 I purchased a XXXX XXXX XXXX upon purchase of this car I noticed issues with the transmission with-in approx 30 days immediately called the dealer to advise of issues in -which they were not in-agreement with my findings I continued to have issues with the Transmission and have confirmed that these cars have numerous complaints regarding transmission issues. I voluntarily returned the car immediately because of this issue yet no one has paid any attention to my complaint 's and it effecting my credit now. I have also repeated disputes with the credit reporting agencies to no avail. I'm needing someone to follow up on this complaint as it's affecting me and also causing a lot of stress and financial hardship. If you need to speak to someone regarding this please speak with my wife XXXX XXXX as she's the one who's been trying to resolve these issue 's for me. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account on XX/XX/2023 with a promotion that would pay based upon direct deposit received in first few months of opening. I met the direct deposit requirement on XX/XX/2023 when I had {$1000.00} deposited of my paycheck but have not received the bonus as it stated I would. I contacted Wells Fargo on XX/XX/2023 and was told that they can speak to me about missing promotional money on my account and whether or not I should receive the payout and that I must go to a Wells Fargo branch. There is not a branch within XXXX miles of me and therefore they refuse to be able to speak to me about the problem on my 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 monetary relief
Consumer complaint received 2020-12-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$20000.00} - Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$20000.00} Original loan amount - Monthly payment {$0.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 60 90 30 60 90 120 XXXX XXXX - - XXXX XXXX XXXX XXXX XXXX - - XXXX - - - - - - - - - - - XXXX  {$0.00} Closed 4 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Mortgage account Balance on XX/XX/XXXX Loan Amount {$0.00} {$220000.00} Payment Info Status 30 days past due Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$220000.00} Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 30 30 30 30 2018 On Time 30 Days Late XXXX  XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charged off as bad debt Status Updated XX/XX/XXXX Balance {$3600.00} Balance Updated XX/XX/XXXX Credit Limit {$3300.00} Monthly Payment - Past Due Amount {$3600.00} Highest Balance {$3600.00} Terms - Responsibility Individual account Your Statement - Comments Dispute resolved reported by grantor XXXX XXXX XXXX ACCOUNT DETAILS Account Name XXXX  XXXX  Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charged off as bad debt Status Updated XX/XX/XXXX Balance {$4600.00} Balance Updated XX/XX/XXXX Credit Limit {$4500.00} Monthly Payment - Past Due Amount {$4600.00} Highest Balance {$4600.00} Terms - Responsibility Individual account Your Statement - Comments Canceled by credit grantor fcra violations cant correct it must remove it LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Armed Forces Loans of Nevada Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AFL failed to give me proper validation of this debt. 

I mailed AFL a debt validation request on XX/XX/20 certified mail # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Experian Information Solutions Inc.
State: CA
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:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the items listed below still remain on my Experian credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX  XXXX XXXXXXXX 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