BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-01
Company: AUDIT SYSTEMS,INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have called me several times. To be specific XX/XX/20, XX/XX/20 and today XX/XX/20. They were harassing me asking me for my personal information such as address, date of birth etc. I asked them why they are calling and they would not tell me unless I gave them my personal information. The guy got an attitude and cursed at me. I asked them to quit calling me the first time but they did not. They also have called me in late hours of the night.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX 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 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 2020-10-17
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following debt collector and credit card account, and credit inquiries listed on my XXXX XXXX, Equifax and XXXX  credit report are fraudulent, unauthorized and not my accounts or credit inquiries : XXXX XXXX, {$220.00}, XX/XX/XXXX, XXXX, {$300.00}, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, Tbom/Cont fin, XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX. The accounts or credit inquiries arent mine and do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX, I went to XXXX XXXX website to purchase a flight ( {$160.00} ) - I was invited to have my trip price offset by {$200.00} ( a statement credit ) If I was approved for an AMEX DELTA credit card - It stated that, after my credit, I would owe nothing. 

I took the bait - I was approved. Keep in mind I still need to purchase my flight! A prompt offered to give me my credit card number RIGHT NOW ( over the internet? ) and stated " If you'd like to make purchases online you can get your account number now or you can wait for your account card in the mail ''. 

I figured " I only want my flight and I don't want to lose the {$160.00} price so I will NOT go online and make purchases, that sounds unsafe anyways, lets just get that statement credit! '' So I selected " send card in mail '' Well I never had any opportunity to use the newly approved charge - there was no option to use the account for payment - I HAD to get the number online right then. One would expect that the approved card would be used for THIS current application. Why wouldn't it? They certainly CAN do that if they wanted to. This is desined to mislead. Trust me - it is. 

I used an existing AMEX account I have - I called AMEX- they said " too bad '' and LITERALLY told me " the account number pops up for a fraction of a second, we are sorry you did not get it ''. 

I would have to purchase another flight in order to get a statement credit-

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: CITIBANK, N.A.
State: NV
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:
I would like your help because I have been dealing with this situation since XXXX and they would always tell me to wait 4 to 6 weeks and I did but when I called back they would tell me to do the exact same thing all over again but nothing would get resolved. They told me that I have continue to make payments but the service was never render so I hope you are able to help me with this situation.

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 2019-01-10
Company: EQUIFAX, INC.
State: GA
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:
I have an extensive history of credit that was in Equifax. Recently tried to pull my credit report and they dont have a credit report on file for me. I asked how was this possible no one knew an answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11
Company: Nelnet, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 180 days late payment. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I graduated from XXXX  school in 2008. I had to have my parents co-sign for my student loans because of my credit at the time. I have 7 personal loans, which were taken one at a time. In the past 3 years, Ive never missed a payment or paid late. In fact, I think that over the 10 year life of these loans, only one payment was ever late. That was because our bill pay got set up late. I took forbearance time after I had babies and was on unpaid maternity leave. At this moment, my credit score is XXXX, and I just bought a XXXX house BY MYSELF with XXXX XXXX. But Navient will not remove my co-signers, despite 10 years of payment history. They have determined that my credit is unsatisfactory. The other thing they said was that my debt was too high. Part of the debt is theirs and other student loans ... XXXX  school wasnt cheap. Come on. But find me ANY late payment on my credit. There are NONE. 

In essence, despite 10 years of excellent payment history, they are holding my parents XXXX. I need help getting my parents released from my debt. There is no actual reason to have co-signers on a loan for a XXXX year old who is making payments on time, is gainfully employment ( I have them documentation of employment ), and has been for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX, has has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also 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 credit card account under any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: GREAT LAKES
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:
XXXX still not reporting current information on my student loan. Example, on my report dated XX/XX/XXXX, it only reports to XX/XX/XXXX. Great Lakes Borrower, states they report to XXXX. XXXX   blames Great Lakes. It isn't accurately reported, still.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX - XXXX - XXXX - XX/XX/2023 - Subject : Urgent Request for Fast Investigation and Refund of {$130.00} Dear PayPal Customer Support, I am writing to urgently request your assistance in investigating and refunding the {$130.00} payment I sent to XXXX XXXX ( PayPal username XXXX ), who has proven to be a scammer. Despite multiple attempts to contact him through email and phone, he has become unresponsive and has blocked me on all platforms. This incident has left me defrauded and without the XXXX XXXX XXXX XXXX, named XXXX, that I was supposed to pick up after the payment. 

I have already taken the necessary precaution of activating PayPal 's payment protection at the time of the transaction. However, given the circumstances, waiting for three weeks to resolve this issue through the seller 's " amicable way '' seems impractical and unlikely to yield a positive outcome. It is evident that XXXX XXXX has intentionally deceived me, and his lack of communication and deliberate blocking of my attempts to reach him further support this conclusion. 

Considering these factors, I kindly request an immediate investigation into this matter and a prompt refund of the {$130.00} to my PayPal account. I believe that the evidence presented clearly demonstrates fraudulent activity on the part of the seller, and I trust that PayPal 's commitment to customer protection will be upheld in this case. 

Should PayPal fail to address this issue promptly and refund the funds in question, I will be left with no alternative but to contact XXXX XXXX my issuing credit card bank, and initiate a chargeback to retrieve the funds. However, I strongly believe that PayPal 's intervention and resolution would be the most efficient and desirable outcome for all parties involved. 

I have attached all relevant documentation, including screenshots of our communication attempts, transaction details, and any other evidence that may assist in the investigation. Please let me know if there is any additional information required from my end to expedite this process. 

Thank you for your immediate attention to this matter. I trust in PayPal 's commitment to customer satisfaction and look forward to a favorable resolution. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This issue is Of my complaint, Is surrounding wellsfargo bank initiating bogus, fabricated investigations Without my consent To do so. 

I want Wells Fargo to cease and assist these fabricated actions on my account! That comprises the security on my account! 

These actions taken by Wells Fargo has compromised the security on my account by Wells Fargo simply dumping confidential account information in the usps mail when I specifically requested all correspondence with confidential account information be delivered via email in my secured online message center inbox with Wells Fargo! ONLY! 

the most recent Fabricated, frivolous event occurred XX/XX/2020 where I received a email from Wells Fargo from XXXX XXXX XXXX?. 

This XXXX didnt even care to give a last name? This further substantiate this is a bogus frivolous action initiated solely by Wells Fargo with out my consent to do so! 

The phone number that was left in my message center email correspondence for XXXX XXXX contact was XXXX The case number listed was XXXX Account ending in XXXX Reasonable accommodation Refused by XXXX XXXX Executive office case specialist from Wells Fargo executive department. 

XXXX XXXX has no concern for my requirements of reasonable accommodations Due to XXXX   XXXX, to communicate via email correspondence to afford me opportunity of effective communication communication. 
Wells Fargo ignores my reasonable accommodation requirements due to my XXXX   XXXX, persistently demands I Quote on quote call, communicate with them via email when XXXX XXXX XXXX and staff at Wells Fargo, are fully aware I have a XXXX XXXX, I Do not have the physical capability to utilize the telephone! 

Wells Fargo has absolutely no value for me as a Loyal customer for the past several years by implementing unnecessary actions on my account that are not consented by me as the account holder,

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 2023-06-29
Company: Monterey Financial Services LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I purchased a puppy through XXXX XXXX in XXXX of 2023. The salesperson was very convoluted about the purchasing process and did not tell me that she had an issue with pulling my credit report, as I did not realize that my credit was locked at that time. She kept stating that everything was going well, and the process was almost complete. She just kept needing me to sign a document on her tablet or a document that was sent to my email for verification purposes. By the time it was all said and done, and I had time to review the documents, I had signed up for two different loans totaling over {$6000.00}. I immediately paid off one lone with XXXXXXXX XXXX in the amount of {$950.00}, but the loan from Monterey Financial is insurmountable and I was charged for things like a crate, food, and supplements that my puppy could not use ( items were advertised as being a gift ), not to mention the interest charges. I initially reached out to XXXX XXXX and was issued a check for {$200.00}, but this by no means covers it. I have tried to make payment arrangements with the company, but the process has been cumbersome and due to having to assist my recently widowed mother the monthly payments are entirely too much. Over the past week, I have received multiple calls throughout the day from this company to my cell and work phone and the messages that are being left are threatening and in by no means professional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: Bread Financial Holdings, Inc.
State: IL
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:
Received a letter in the mail informing that I opened a XXXX XXXX/ XXXX XXXX credit card account and after the fact I noticed a hard credit pull in my credit report from XXXX XXXX XXXX It appears this account was fraudulently opened with my personal information and since then I have tried numerous instances ( over 15 phone calls ) to  reach the fraud department of XXXX XXXX through the customer service phone number on the website, but the automated service does not allow me to speak with a person to flag it as a fraudulent activity. I would like this account to be closed and the credit inquiry removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-01
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:
My wife was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have been disputing this account for a few months now and havent received anything concrete to keep it on my credit file. This is a violation of my rights. I do not believe the credit bureaus have been throughly looking into my disputes. I have attached my dispute letters that include, XXXX XXXX compliance data as well as consumer law challenges under the Fair Credit Reporting Act! How are these accounts simply coming back as verified with no proof of thorough actual work being done. This is beyond messed up! The credit bureaus have been violating our rights for years. How long will the CFPB let this nonsense stand!

I am reaching out to the CFPB today because I am hoping that you will be able to get me some real answers and have my best interest at heart because the credit bureaus obviously dont!

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 2023-01-02
Company: Experian Information Solutions Inc.
State: AZ
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've been challenging this bankruptcy for a very long time with Experian and XXXX XXXX. 
XXXX removed it but XXXX XXXX and Experian keeps showing false information I thought that all 3 credit bureaus show show the same reporting as the other one this is stoping me from living my life just because it's false information on my report that's not far to me as a law, abiding American citizen

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 2023-09-14
Company: Hughes Acceptance Corporation
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I noticed about 2 years ago that my vehicle loan was no longer reporting to my credit. I reached out to the company upon noticing and requested that it be fixed. They assured me it would be, and said to follow up next month as they report each month on the first. I XXXX XXXX XXXX XXXX so I agreed and understood. 

However, it was never resolved. I continued to follow up multiple times over the following year and a half until now, and at each follow up they would reiterate that everything appeared fine and should be fixed. The company did contact me via text on my personal phone however I gave explicit permission for them to do so. 

I have in the past 4 months frozen my credit, as the company requested that they could pull my credit to " ensure I was reading it correctly '' I denied this request, as I was reading my reports via the official websites, and forwarded pictures via text of my credit reports to the companies contact number I was given. 

I still have the texts and can provide those upon request. Their account notations seem to have the dates as they reference them whenever I call to reiterate my complaints each month.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Aargon Agency, Inc.
State: NV
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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