BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-17
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
The only 'supportive ' options Navient has offered when one struggles with student loan repayment are options that if you select them, your student loan amount increases and increases. When in coversation with customer agents they offer forebearance as one of the only options ( over and over and over and over again ) but each time you select forebearance your loan increases exponentially so that if you were having trouble paying before, you now REALLY can't afford your payments. When you point this out to the customer service agent they are silent and go right back to the options available. " I can start you on forebearance today and that will bring you current ... '' The problem with student loan interest and management is that the debt increases exponentially due to extremely high interest rates but your income does not increase exponentially at a rate that ever makes the loan payment affordable. So you are in an endless cycle of coming 'from behind " while you sit back and watch the student loan debt amount get bigger and bigger and bigger. It is like being an indentured servant. The demoralization of this trap really can make one feel hopeless and want to give up... then, you live your whole life with a gray cloud over your head.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: WELLS FARGO & COMPANY
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
I was used the cell phone app XXXX  on Saturday XXXX to make specific crypto rate purchases. Each time I attempted to process an order, it either timed out, indicated the rate I was asking for is no longer available, or indicated there was a problem with my card. I made 4 attempts and finally gave up. I confirmed with my Wells Fargo app there were 4 pending charges. I did call Wells Fargo to unlock my card because of the multiple attempts I had locked it.

Later that day I had another opportunity to buy a token at a specific rate but again, it timed out so I was discouraged to make any more purchases. 
Later that evening when I came back home I emailed XXXX about my app account but have yet to get a response back. I have attached that email. At the time I thought there were 4 charges for a specific crypto token. I only wanted to place one order. Informed both bank and crypto.com I did not want 3 of the 4 charges.

The following day, Sunday, I received messages on the cell phone app that all orders ( 5 ) were placed. I did not approve of those order and the rates for one of them was not what I placed originally. I called Wells Fargo to initially dispute all charges but clarified to only dispute one
charge which was over {$5000.00}. Why I am disputing that is because they fraudulently used my card without my approval Sunday. Also, the rate on the token they gave me was higher than what I was originally asking for Saturday.

I then called Wells Fargo and put in a dispute/fraud claim as that charge was not authorized.

They are " investigating '' right now and because it is a large amount, the High Dollar Department is looking into this. They have done their initial investigation and have denied the claim. Claiming Crypto.com received approval from me. On Saturday, yes, that specific moment when I tried to place my order, there was approval. But having the order placed on Sunday, no, that was not my approval. I have called Wells Fargo XXXX to expedite a call back from that department, hopefully, I can get a call within 24 hours but it may be until Monday as they are still investigating.

What they are investigating, I don't know? It's just one charge I need to be turned over because it was not approved by me. I have a feeling they will deny my request again but will wait patiently for a callback.

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
15 USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.

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 2022-12-28
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$2.00} XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$5800.00} XXXX XXXX Balance : {$2.00} XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This has been going on with the Wells Fargo since late XX/XX/XXXX early XX/XX/2018. 

The only thing that the company has addresses in full was why they used that specific appraiser. I am ok with their answer to that point only. 

They still have not addressed the mistakes and wrong information for the properties that are in the appraisal at all and in specific detail. By law Wells Fargo must have at least three accurate properties with correct facts in order to accept the appraisal which the full appraisal does not and only has one. If Wells Fargo does not fix the errors and incorrect information and data in the report and/or use the report and accept it then they are breaking the lending laws both federal, state and local. Wells Fargo must either correct the report or not accept it in order to follow all the laws and regulation that govern leading. 

Wells Fargo still have not addresses the lies that the company employees have done, i.e. said that they review information but did not and stated those facts on recorded calls. What specific steps did Wells Fargo do to re-train these employees and what improvements plans where these of these employees put on. It is against the banking laws to lie to a customer through the lending process. These happens during multiple stages through this application and have been documents on recorded calls. To resolve this matter Wells Fargo must go back and listen to every single call in full and confirm to me that they did that in writing and they then took appropriate action against the employees that lied. 

They had a legal team review this please explain in detail why Wells Fargo had a legal team need to review this if Wells Fargo did not do anything wrong.

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 2023-09-01
Company: EQUIFAX, INC.
State: MI
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: MoneyLion Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In XX/XX/XXXX a company called Moneylion.com took {$2500.00} in a transfer. There is also {$4500.00} pending. I have no idea what this company is and when I try calling the number listed you can never actually talk with someone they just keep giving you an estimated hold time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
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: Old information reappears or never goes away

Complaint:
Equifax continues to report an old account that should be deleted according to New York State law. 
25 Section 380 -j ( b ) ( 3 ) ( f ) ( 1 ) ( iv ) : ( f ) ) ( 1 ) Expect as authorized under paragraph two of this subdivision, no consumer reporting agency may make any consumer report containing any of the following items of information, ( iv ) accounts placed for collection charged to profit and loss which antedate the report by more than seven years, or accounts placed for collection or charged to profit and loss, which has been paid and which antedate the report by more than 5 years. 

XXXX XXXX XXXX # XXXX .... has been paid and closed since XX/XX/XXXX. It's XX/XX/XXXX and that makes it 6 years, Equifax continues to report this account. Please delete this account and update my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Maximus Education, LLC dba Aidvantage
State: MD
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 have XXXX for students loans. They recently sold my loans to another company. I think its because of the lawsuit against them so I wont be included in getting debt relief. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: CCS Financial Services, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I contacted XXXX XXXX XXXX ( CCS ) at XXXX to inquire about a debt I owed. I spoke with XXXX who informed me of the debt and the balance of {$250.00}. I made a payment arrangement to process a {$50.00} payment on that day, followed by the remaining balance to pay on XX/XX/XXXX. XXXX confirmed this transaction and sent me a receipt for the {$50.00} payment. I have attached this receipt below. On Saturday XX/XX/XXXX I checked my bank account and saw that they in fact charged me the {$200.00} instead of the {$50.00}. I contacted CCS at XXXX at XXXX and spoke to XXXX . I informed him of the issue and he stated he would escalate to a supervisor to have it credited back in the amount of {$150.00}. He informed me it would take 12 business days to go back to the account. While I wasnt thrilled with this, it was an acceptable resolution. On XX/XX/XXXX at XXXX, I contacted CCS to see what the status was on the refund. XXXX placed me on a brief hold and then returned to tell me that they received approval to refund the {$150.00} and that refund check would be sent on or after XX/XX/XXXX. This is not acceptable. I now have bills I am unable to pay. She informed me that this was their policy. The policy being that the refunds take 30-45 days to send out. I again informed her this was not acceptable.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 would like this XXXX XXXX to remove my late payments. This was due to XXXX when everyone was locked in their home and could not work.

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 2018-08-15
Company: ALLY FINANCIAL INC.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Complaint consumer finance is currently checking into to problems with Ally Auto Financial. Since reaching out to you with this problem, more issues have occurred. I paid {$800.00} on XX/XX/XXXX and my payment is still in pending process and wont be taken until XX/XX/XXXX. This in conflict with their practices in the past where my payment was taken out immediately. They took out another payment on XX/XX/XXXX, but not for the amount of {$800.00}, but for {$590.00}. They were billing {$320.00} every two months prior to your investigation even though I paid {$800.00} every month. 
Thank you for your services. 
Best regards 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 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
As of XX/XX/2021 I have made several attempts with the credit bureaus to remove the bankruptcy of my credit reporting profile as this is a violation and I have rights t my privacy. I know my laws and have rights to have it remove. A second letter was send out to the bureaus since XX/XX/2021 and still no response I need this DELETED ASAP.

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 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and inaccurate. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17
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: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, Experian and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 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 2020-06-05
Company: Experian Information Solutions 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 XXXX reported incorrect information on my credit report indicating that I am 60 days late on my loan payment. I Spoke with a representative and made arrangements. 

These are the dates I made payments : XX/XX/2020 XX/XX/2020 XX/XX/2020 Current Arraignments : XX/XX/2020 XX/XX/2020 Please assist me in this matter as I am not late with this account. Thank you!

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 2018-07-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today, XX/XX/2018, I went in to check my account after an email sent to me saying my balance is at XXXX dollars. I was not sure why they would send this notice since I check my balances and they had a pending and posted transaction history for online banking which shows details of available balances vs. each transaction. When I had viewed my online history previously, check number XXXX for {$20.00} had already posted and cleared ; and had sufficient funds at the time of the transaction. Then later on I receive an email that check XXXX for {$20.00} had been returned and I was being charged {$35.00}. I also notice that the online banking system has now changed to have three section instead of two. The three sections are " Pending '', " Authorized '', and " Posted '' transactions which has been misleading and transaction history and posting dates have been manipulated -- therefore causing fees to customers as well as to whom customers write the checks too. I spoke to 4 individuals from Wells Fargo today which included supervisors and managers and they refuse to make corrections to this problem. I also have had to call in with approximately four other transaction related complaints within the last year. Attached is a picture of the account ledger as of me filing this complaint. Wells Fargo 's online banking system has no integrity and accuracy and is causing undue fees to its customers due to them not properly handling transactions.

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 2023-08-27
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i am victim of identity theft. the information listed below, which appears on my Credit report does not related to any transaction that I ve made

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 2023-04-20
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 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 2018-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XX/XX/18 opened account and checking account with XXXX. Also applied for mortgage. Added tons of personal information from outside banks. 

XX/XX/18 tried to access account. Was told needed extra security. ( I have a fraud alert on my credit report ) called around XXXX EST. Spoke with someone. They said my account was locked. Said no other information except an alert saying will no longer do business with client she presumed it would maybe be from a fraud alert on my credit card. I just switched with my job my direct deposit which they told me would be approved for this pay check depositing Friday XX/XX/XXXX. 
Also- that the money in my checking account when opened would be mailed back via check within 30 days. After mentioning my DD she said that money would also be mailed back in 30 days. Crazy. Thats my rent. I just wanted to switch from XXXX to XXXX she couldnt give me any more information or escalate my call.

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