BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
Company: PENTAGON FEDERAL CREDIT UNION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I would like to share that this company went into business with a corrupt, fraudulent, predatory loan company named XXXX XXXX XXXX. I had solar installed at my home from a company called XXXX XXXX that is now out of business and went bankrupt. I'm a customer that has a loan and they listed me as a creditor because they owe me {$7000.00}. I spent {$81000.00} that XXXX paid XXXX way before installation. I tried to cancel this loan and they wouldn't let me. I have a balloon payment in 18 months to come up with 26 % of my loan or payment will go up. Hmmmm ... .coincidence that it's the same percentage that XXXX  stated we would get back in taxes? Yea, I think not. I pay $ XXXX {$1000.00} a month between my loan and my electricity. I'm a XXXXXXXX XXXX veteran and YOU ARE BACKING UP AND GAVE MONEY TO A PREDATORY LOAN COMPANY! Your credit union is all over my contract, they're buying shares in their customers name WITHOUT their knowledge. My system don't even work and I HAVE to keep paying. They put a lein on my home, this is criminal!!!!

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 2017-07-03
Company: Innovate Managed Holdings, LLC
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:
I received my credit report from XXXX, which show inaccurate information from company INNOVATE LOAN SERVICING CORP, I have sent letters, and tried calling the companies number provided by XXXX, with no response for 3 months straight trying to contact this company regarding this issue. The original creditor XXXX XXXX XXXX advised another company who sent me a letter showing a different amount owed. Please see this has my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-11-11
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient has serviced a private loan for me for many years. I have spoken to many people on the phone about the minimum payment due ; and do continue to pay what I am able to monthly. They continue to call me and my mother, who is a co-signer, multiple times per day at ridiculous hours. I have informed many representatives that I live in the PST yet, daily, I get at least 1 phone call before XXXX. Just in the past week of XXXX I can reference the following, and these are all calls solely before XXXX. Each of these days they call at least 2/3 additional times within " allowable '' hours XX/XX/21 XXXX XXXX  XX/XX/21 XXXX XXXX  XX/XX/21 XXXX XX/XX/21 XXXX, XXXX XX/XX/21 XXXX, XXXX XX/XX/21 XXXX, XXXX They also continue to call my mother at work when she has asked many times to not be contacted there. I am aware of my debt and pay on it as I'm currently able, and I do make monthly payments so the relentless calls at ridiculous hours, for literally MULTIPLE years, seems unnecessary and has become incredibly inconvenient and stressful for both me and my mother who has an XXXX XXXX exacerbated by stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I found a XXXX post for 4 tickets @ {$100.00} each to the XXXX playoff game XXXX XXXX vs XXXX XXXX for XX/XX/XXXX. I texted the contact phone number for the listing and the person said the tickets were still available. He asked if I was familiar with quick pay with XXXX and XXXX. I said I knew XXXX, but not familiar with XXXX. I found out that Wells Fargo had XXXX incorporated into my account, which made me comfortable that I was using a namebrand bank to support this in case something went wrong. So, I transferred {$400.00} via XXXX from my Wells Fargo bank account to his email : XXXX I actually spoke to him and he said his name was XXXX XXXX and that he had tickets for his kids, but wasn't able to go. So, I transferred the money and confirmed he received the money via text. 

He then asked for my email address to transfer the tickets. He said they would come momentarily, but they never came and no further response my repeated calls and texts. 

I called Wells Fargo IMMEDIATELY to stop the transfer and report the fraud. They said they would get the process started, however I just received a letter from them that they had done an investigation and discovered that their transfer was not in error. I hadn't asked them to investigate that, but rather informed the agent that I was scammed and needed the transfer to be reversed IMMEDIATELY, but they said they would have to complete an investigation first. On XX/XX/XXXX, I received a letter stating that the investigation was complete and they would continue to investigate. When I called the Wells Fargo Help Number the kind women stated that they investigated the transaction to determine if Wells Fargo or XXXX had made a mistake. I stated that I was submitting fraud or theft and they said I should contact my local police department as XXXX didn't have that function. What!!!??? a namebrand bank doesn't protect users from Fraud or  Theft? Needless to say, I am upset. I submitted a case to XXXX as well and want to file a complaint to CFPB as this type of Fraud seems to be increasing at an ALARMING rate and that Wells Fargo should inform its users so that they aren't victimized like I was and many many others. 

Summary : XX/XX/XXXX, XXXX for Football Tickets ( XXXX XXXX vs XXXX   XXXX ) contacted user at @ XXXX Transferred {$400.00} to XXXX Seller on Friday XX/XX/XXXX Upon confirming funds were received, I requested the tickets Seller asked for my email address, which I gave No tickets were transferred to my XXXX account and no response to any of my texts or calls that night

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 2023-10-09
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THESE ACCOUNTS AND INQUIRES ARE NOT MINE PLEASE REMOVE OFF 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 2022-09-12
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Background : On XX/XX/XXXX, inquired about a short term rental in XXXX XXXX from XX/XX/2022 - XX/XX/XXXX XXXX 'realtor ' who called himself, XXXX XXXX, emailed me back immediately with a very detailed overview of the property and the terms ( I can forward you that email if that is helpful! ). He then reached out to me via text message and provided me with information about the apartment and encouraged me to reserve the apartment soon, because it is a popular listing. Once I was ready to reserve the apartment, he sent over an informal " Rental Agreement '' that I signed and sent back to him, and then paid him the deposit over Zelle and XXXX so that I could lock down the rental unit. XXXX told me that I could cancel at any time and get a full refund, so I figured, why not reserve the unit. I ended up needing to cancel the reservation. XXXX confirmed that the payment would come soon, and eventually stopped responding altogether. I called the XXXX XXXX that he was impersonating, and he informed me that there was no unit at that location and that it was a scam. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Breakdown of the deposit : Rent was listed as {$1500.00} per month, but ended up agreeing to {$1500.00}. Total deposit was {$1500.00} ( one month rent ) + {$1000.00} + {$250.00} cleaning fee = {$2700.00} Zelle only lets you transfer a total of {$2500.00} per week, so I paid him in two {$1000.00} installments over Zelle, and {$750.00} over XXXX, to total {$2700.00} deposit. 
Zelle Payment ( {$2000.00} ) was sent to " XXXX XXXX '' at XXXX XXXX Payment ( {$750.00} ) was sent to XXXX XXXX  Contact Info : Email Address : XXXX Cell Phone Number : XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: AUDIT SYSTEMS,INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, 2020, I wrote a check for {$28.00} to XXXX in XXXX XXXX, FL. The check never cleared the bank, and I could not figure out why. My bank had no record of it. Two months later, my check was declined at a store. I requested my file from XXXX, which showed the outstanding XXXX check. I contacted XXXX XXXX XXXX 's parent company, XXXX XXXX XXXX XXXX, XXXX XXXX again ) and Audit Systems. No one seemed to know what was going on with the check and why it did not clear. I called my bank and heard the same story. No record of it. This went on for some time with no answers. Finally, XXXX XXXX saiid Audit Systems had this check. I called to find out what I could do to resolve this. Audit Systems said my bank had rejected this check because of the check image. They wanted me to pay the amount of the check, along with a {$25.00}. I refused to pay the fee because I said I was not at fault for a bad check image. I also told Audit Systems that my name and contact information were on the check, so why wasn't I contacted if there was a problem. I received no straight answer. We argued back and forth over this fee that I was not about to pay. I contacted XXXX XXXX again and was told that Audit Systems wanted to collect the fee because if they didn't, they would not collect their commission. I said I was not paying a fee. XXXX XXXX finally had the check moved to another agency, who did not charge me a fee. I paid the {$28.00}, and that was it. Audit Systems was unprofessional, rude and condescending. I do not want anyone else to be taken advantage of by these creeps. I'm sure others pay their fees without questioning. I was not.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
In 2015, I cosigned on an auto loan for my adult daughter who lives at a different residence than I do. The payments were made through autopay. The lender, Santander automatically withdrew money each month from my daughters account. Not surprisingly, the last payment was a slightly different amount. 

Santander did not auto draft the very last payment ( I have no idea why ). They did not inform me or my daughter that they were not taking the last payment. My daughter assumed it had been done. 

I was unaware there was a problem until I received notice that my credit had be severely impacted. My daughter contacted Santander and made the last payment. I have never missed a payment and have never had my credit downgraded. We solved the problem as soon as we were made aware but Santander did not notify us of the problem. Santander refuses to recognize their mistake and correct my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX Trans Union and XXXX are continuing to report inaccurate information. This collection with XXXX should not appear on my credit file for I have sent proof and it still remains. I agreed with XXXX that I would pay for delete. Item is paid and was not removed. Sent in that proof to the credit bureaus. Per XXXX representatives, have advise credit bureaus to remove due to agreement for pay for deleted was completed, yet this still remains on my credit file damaging my credit scores.

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 2022-08-14
Company: DISCOVER BANK
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This company has absolutely no buyer protection. I have not received proper items for two charges on my card and Discover is considering these charges valid. If it happened once, I could understand but multiple charges that are being considered valid regardless if I received them or not Discover charges the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
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 fraud alerts or security freezes

Complaint:
Transunion has YET AGAIN put an extended fraud alert on my account! I am tired of this company doing this without my permission AND when I specifically tell them not to. I have no issue with the other XXXX bureaus, but Transunion continues to do this! 
This needs to be looked into because they continually do this to my account. I am not having this issue with any other group. I am tired of having to send them information in the mail to fix these issues as they will not handle issues on the phone! I feel that the governing agencies need to look into these practices and actions 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 2023-08-12
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-04-14
Company: REGIONS FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Regions Bank Teller withdrew {$2000.00} dollars from my saving Account At the XXXX Branch XX/XX/2020 without my knowledge. And the bank claim to have a video of tranaction of me doing so, the bank want produce the video. so I filed a fraud complain with the banks fraud department. also filed a police report with the XXXX police department.

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 2023-04-12
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: Their investigation did not fix an error on your report

Complaint:
A month ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-01-12
Company: EQUIFAX, 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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
In XX/XX/XXXX, XXXX XXXX reported a late payment for the month on my credit report. For years, I have called them more than 5 times about the blemish. Late year in or around XX/XX/XXXX, I file a dispute with the credit bureaus to remove the incorrect late reporting for the second time. Up until this day, nothing has been successful. Today, it's still reporting as a late payment and there are negative remarks remaining on the account. As a final attempt, I called on XX/XX/XXXX and spoke to XXXX who stated that he'd file a dispute with the credit bureaus and request to have the remarks removed. I have no faith in his occurring seeing that I requested an internal investigation instead.

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 2023-04-12
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation