BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX, and XX/XX/XXXX and, XX/XX/XXXX XXXX/XXXX XXXX XXXX pulled my credit report for a loans/and OR, Credit cards for someone using my Identity to apply for a Loans or Credit. On XX/XX/XXXX I filed an Identity Theft report, and Police Report with my local police department XXXX XXXX XXXX police department, because I got alert that someone had opened, different credit lines in my name without me knowing. 
Someone was using my Identity to apply for loans and, lines of credit online. There were over seven accounts opened, and over 18 hard inquires. I reported everything right away to all three credits companys, XXXX, XXXX, XXXX,. A alert was supposed to be put on my credit reports for 90 days. 
From XX/XX/XXXX to XX/XX/XXXX. However, whoever is using my social security number has been still trying to get credit in my name. I spoke to ( XXXX/XXXX XXXX XXXX ) and they could not release information because some of the information did not match what I what information I had. 
However, they still put a Hard Inquiry on my XXXX, and XXXX credit reports. on XX/XX/XXXX XX/XX/XXXX and, XX/XX/XXXX a total of three times in a matter of a three-month span time. 
As of today, I have contacted Social Security Administration, and have a appt to get a new social security card this does not keep happening. This is affecting my credit and, I take my credit serious. I am shocked, and still shocked as, to how this is has happened, and it has taken me almost months so far to try and, clean up 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 non-monetary relief
Consumer complaint received 2019-02-25
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made an ATM deposit on XXXX 2019 at XXXX XXXX in the middle of the transaction the ATM broke and spit out a receipt it reads your deposit has been received your account will be credited upon verification of the deposit if you have questions please call XXXX XXXX to Wells. I called Wells Fargo on the XXXX and filed a claim 12 days later Im still missing the deposit Wells Fargo in no way shape or form is cooperating

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 2020-11-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
Wells Fargo who was ordered to repay customers they deceived by adding private insurance into loans they gave out. Sent me a letter last week asking me to cash a check they said they sent XX/XX/2020. All attempts to let this company know they never sent a check have resulted in excuses after excuses on why they haven't and can't send another repayment. 
I was a Wells Fargo loanee that was one of the many customers they deceived. 
How do I get Wells Fargo to stop playing around and fix their mistake that they were ordered to fix by a Federal judge? 
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 explanation
Consumer complaint received 2023-05-06
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1800.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: FirstPoint Collection Resources
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: Investigation took more than 30 days

Complaint:
I've filed a dispute in regards to the incorrect items on my credit report to XXXX 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 2021-04-08
Company: CHECK INTO CASH INC.
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently sent a letter to XXXX XXXX XXXX making them aware of affidavit filed through identitytheft.gov on XX/XX/2021 regarding a debt they allege I owe, but have never gotten loan through said company. I have yet to get their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
On XX/XX/2021, a money transfer ( 950 USD ) was made to XXXX through Moneygram ( reference number XXXX ), deposited in a bank account ( XXXXXXXX XXXX  ), the funds should be available on XX/XX/2021, however the Money was not deposited to the destination account, we spoke to Moneygram, and they affirmed that the money was deposited, we told them that it was not like that, and they proceeded to raise a clarification ( XXXX ) to see where that money is, and they gave us time response of almost 6 months, every time we call them to see if there is any progress, they only say no, and that we should wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: National Credit Services, Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In 2013 I consolidated ALL of my loans to make one bulk payment of {$12000.00} to National Credit Services to pay off all of those loans and I was told that total would pay off all of those loans. After paying that, I did not receive any calls or notices that I had payments due. 

I looked at my credit report in the last year and saw that this account was still open, so then I launched an investigation via my credit bureau to look into why this account was open, but did not get an answer. This really caught my attention when my tax refund was taken by this company. 

On XX/XX/XXXX around XXXX EST, I made a phone call to clear up the situation with the National Credit Services. What I learned is that there was a clerical error with my loan consolidation and that the loan was not consolidated correctly. 

I would like this removed from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, 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:
The car was paid off in full but instead of it helping my credit my score dropped XXXX points

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
when i apply for the cd, i was informed you get 5 % bk, now its 2 %. They say if the app is used, Its 5 % in walmark store up to a yr, nothing was said about app to get 5 %

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: SYNCHRONY FINANCIAL
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:
I received a notice on my credit report today that indicated that XXXX XXXX and Walmart ran a hard inquiry on my credit report from XXXX Florida which I never authorized. I called and they claimed to have cancelled my application and that there was only one application from today. However, I have voicemails from last week from XXXX XXXX seeking to verify my loan application for fitness equipment ( XXXX ). I separately received a phone call from XXXX asking about my purchase. The Synchrony representative claims that they don't have any record of this other application as well. This is clearly a sketchy finance company based on the other records in the complaint database. I do not know where they are getting my 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 non-monetary relief
Consumer complaint received 2022-02-11
Company: BARCLAYS BANK DELAWARE
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Loan from Barclays Personal Loan XX/XX/XXXX Paid the loan off in advance of schedule Final payment was made, however Barclay still took auto-payment from my bank in the amount of {$900.00}, leaving me with a credit balance on XX/XX/XXXX I have called at a minimum of 2X per month in resolving my refund check. Have been told multiply times this has been escalated to the refund department with a manager call back. Today almost a year later, no refund or call back from manager.

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 2021-05-24
Company: FIRST PORTFOLIO SERVICING INC
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was a student at the defunct XXXX XXXX and they recently lost a lawsuit for predatory loans. I was enrolled XX/XX/XXXX - XX/XX/XXXX. While I did complete the program, the loan amounts are so astronomical for a 2 year program. Due to the fact that they have been closed and sued, I would like to request forgiveness for the loans. I have filled out a form on the FAFSA site, and due to me not being active during the XX/XX/XXXX closure, it says that I did not meet the requirements. 

Loan Type DIRECT School XXXX XXXX XXXX Current Owner U.S. DEPARTMENT OF EDUCATION Guarantor DEPT OF ED/XX/XX/XXXX Disbursement Date XX/XX/XXXX Original Principal {$47000.00} Loan Type DIRECT School XXXX XXXX XXXX Current Owner U.S. DEPARTMENT OF EDUCATION Guarantor DEPT OF ED/XX/XX/XXXX Disbursement Date XX/XX/XXXX Original Principal {$24000.00} Total Current Balance : {$86000.00} Total Number of Loans : 2

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 2019-02-25
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My wife and I had a 63 month installment loan with TD Bank for the purchase of a new XXXX XXXX XXXX. This loan was set up for auto payment from my wife 's checking account. Because of a timing/Bank error, payment XXXX, then XXXX were not taken by auto pay. Neither one of these non-payments generated any correspondence from TD Bank, giving us the impression all was good. During the same period, approx. early XX/XX/XXXX, TD Bank did send correspondence letting us know that the last payment would not be taken by auto pay due to their system and that we would need to make other arrangement, Check or over the phone payment, to make the final installment. On or about XX/XX/XXXX, I reached out to TD Bank to make the final payment, at which time I was verbally informed of the two prior payments not being made. While on the phone and checking my wife 's records, we became aware of the two missed payments, acknowledged that fact, and made a payment to settle the loan in full. A week later, TD Bank sent two letters that arrived on the same day, one being the lien release, the other being a statement saying that they could report our delinquency to the reporting agencies, which they did. I have reached out to TD Bank multiple times since this incident and have been informed that because an auto pay was declined by my wife 's bank, their system is not " set up '' to generate a non-payment letter because of " insufficient funds '' reason. 
My argument to TD Bank is that, there is blame to go around, ours because we did not recognize the payments not being made, but also theirs for 1 ) not informing us when the XXXX payment was late, then the XXXX payment was late, 2 ) taking into account that it was my outreach to them that made us aware of this issue, and that it was handled immediately, 3 ) recognizing that their " system setup '' helped create this issue by not informing us. 
There is fault by us and TD Bank, TD Bank has reported a 60 and 90 day late payment against mine and my wife 's credit report, their customer service has acknowledge fault but has said " legal '' has no wiggle room and must report everyone equally regardless if they are part of the blame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2022-12-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  : Acct # XXXX XXXX  XXXX XXXX : Acct # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-05
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

I was switching from XXXX to TD Bank because my ex wife had access to the account and to protect myself and money i needed a fresh start. So I wrote XXXX valid checks to transfer funds. Without my consent or knowledge my ex wife withdraw all my funds and i became aware of this when my First Deposit came back from TD Bank Informing me of the situation. I than went into branch informed them of my situation and had to file claim to cover myself. Along with those Deposits my uncle XXXX XXXX endorsed his check that he received for {$15000.00} on XX/XX/XXXX they placed a XXXX hold on check which Is understandable considering the other situation. The check cleared but they ended up closing my account holding on to my funds. I had to get a power attorney from my uncle stating I had permission they still didn't accept it. My late father is the originator of the Check and he past away due to XXXX & the Rep from TD Bank told me they needed to see my fathers Death Certificate which II felt was out of line. They have since erased the account out of there system and transferred my funds to a internal Account and has been sitting there. When I call and give them the account number the Customer Service Rep. have no record of this account only two other accounts I've had in past. I honestly Want the funds returned to me because they don't belong to TD Bank. The Money Cleared Account number with TD Bank I'm speaking of is XXXX. After the fees they Charged the balance in my account was around {$14000.00} Its not the exactly amount but i know they deducted a little over {$200.00} from the {$15000.00} to cover the fees from other transaction. 
As detailed as I am you know I'm telling the truth

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Experian Information Solutions Inc.
State: LA
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 have disputed the account on my report several times. The account with USDA rural developement was opened in XXXX. It was repotred to experian as a negative account in XXXX. I initially paid off the account and Experian still won't remove this account. It has exceeded the 7 year time frame and everytime I disupte the account they update the account as my account and move the removal date for the account to come off to a later date. Which the account has been on my report since XXXX and reported as negative on the account since XXXX which is well over the legal law of the 7 years it was to remain on there. I want this negative account removed from my experian credit report please

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 2019-02-25
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been put in deferment or forebearance several times since starting my loan. I have been told over and over by Navient customer service that it is a better way to go while waiting for my bankruptcy to discharge the loans and now I have a bigger amount of interest to pay as its acrued and the discharges have not been done. 
Below you will see the bankruptcy discharge as well as the original amount did the loans and all the interest added over the years.

Company response to consumer: Closed with explanation