BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I received a phone call from XXXX at Wells Fargo Auto Finance, and I told him what I have in process of suing the car dealership. He asked what Wells Fargo Auto Finance could do to help me. I told him that the monthly payments have to be lowered. I`m paying {$550.00} for a used car that is only worth {$15000.00}, so I can not refinance. He said they 'can`t do that ', so I hung up on him and blocked his phone number.

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 2019-11-10
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I made a mobile deposit with two, nearly identical, weekly payroll checks. They informed me the following day, one or both were counterfeit, and my account would be closed in two weeks without any investigation into the matter. I attempted to inform them my sister is my employer, and both checks were authentic, but they didnt seem to care. They cancelled one check, and are holding the other for two weeks. My sister issued me two replacement checks, but one can not be cleared until WF releases the other supposed bogus check. Ive bounced three checks because of this overreaction, and Ive nearly been evicted.

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 2020-12-14
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
IC Systems account # XXXX is reporting a fraudulent account to credit bureaus that is not mine. I am a victim of identity theft and I notified the credit bureaus of such by filing a dispute and submitting the documents attached in this complaint. I will use every legal remedy if this fraudulent account is not removed from my account. 



This company sent me a letter informing me that I have two accounts that was placed with their company for collection. I informed this company that I have no knowledge on either account and I asked for copies of the contracts I signed. I was informed that they have nothing and its currently being reported that to the credit agencies which is damaging my credit and I was informed that it will remain their until I pay on two accounts I have no knowledge of.

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 2022-12-15
Company: CITIBANK, N.A.
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:
Someone opened a Macy 's account, XXXX loan, and XXXX  under my name. Identity theft. I've disputed several times fraudulent and they will not remove it from my credit file.I have not applied for anything.

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 2018-02-03
Company: American Credit Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I obtained veterinary services from XXXX on XX/XX/XXXX at time of service I gave my credit card as payment. Was given a receipt showing the bill paid. I received a notice from XXXX stating that I owed them money for services received that day. 
I figured it was a mistake and ignored notice. I then received notice from a debt collection agency called American Credit for XXXX threading to put negative information on my credit report. I called XXXX  and they do not know why the payment was not processed, but according to them it was not ever processed. I looked through my records but did not see payment going through but have since changed banks and do not know if it was processed. I offered to make payment as I do not want my credit ruined. XXXX would not accept my payment as they stated it had gone to collections on XX/XX/XXXX and I could only make payment to American Credit at XXXX what added a fee to the bill. At this point I am not sure what to do and I feel like I am being scammed. How can a company give you a receipt at time of payment and then say Oh sorry did not process it correctly and you owe us the amount.

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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Act. Everything has to be 100 % accurate on my credit report. 
XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act. XXXX XXXX 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 an account without my written instructions.

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 2022-11-26
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have several payed off debts on my credit report that are years old, and I keep getting cold calls about paying off these debts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Navient Solutions, LLC.
State: PA
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:
This involves Sallie Mae and Navient. I believe I qualify for the lawsuit. I was charge a large amount of interest. Here are some of the statements from Navient. 


XX/XX/XXXX Disbursement {$32000.00} Interest {$0.00} Fees {$0.00} {$32000.00} XX/XX/XXXX - Not informed of Payment Prinicpal {$0.00} Interest - {$220.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Principal - {$16.00} Interest - {$200.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Principal - {$54.00} Interest - {$160.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Principal- {$92.00} Interest - {$120.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Principal - {$270.00} Interest- {$160.00} Fees {$0.00} Total - {$440.00} XX/XX/XXXX Payment Principal {$0.00} Interest - {$220.00} Fees {$0.00} Total- {$220.00} XX/XX/XXXX Payment Principal {$42.00} Interest - {$170.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Principal- {$61.00} Interest - {$150.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Principal - {$260.00} Interest - {$170.00} Fees {$0.00} Total - {$440.00} XX/XX/XXXX Payment Principal {$0.00} Interest - {$220.00} Fees {$0.00} Total- {$220.00} XX/XX/XXXX Payment Principal - {$65.00} Interest - {$150.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Principal - {$63.00} Interest - {$150.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Prinicpal- {$86.00} Interets - {$130.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Prinicpal- {$81.00} Interest - {$130.00} Total {$0.00} Fees - {$220.00} XX/XX/XXXX Payment Principal- {$100.00} Interest- {$110.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Payment - {$87.00} Interest - {$130.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Principal - {$180.00} Interest - {$250.00} Fees {$0.00} total - {$440.00} XX/XX/XXXX Payment Principal {$0.00} Interest - {$220.00} Fees {$0.00} Total- {$220.00} XX/XX/XXXX Payment Principal - {$230.00} Interest - {$200.00} Fees {$0.00} Total - {$440.00} XX/XX/XXXX Capitalized Interest {$270.00} - {$270.00} {$0.00} {$0.00} XX/XX/XXXX Payment Total- {$300.00} Interest {$0.00} Fees {$0.00} Total - {$300.00} I have additional paper statements from Sallie Mae as well. 
I called the company many times about this and about being unable to afford this amount. I was told that I would have to go into forbearance or default. It was only in XXXX that I heard, from a co-worker, about income-base repayment plan. 

The total amount that is now owed is more than the original balance. 
XXXX XXXX XXXX : {$34000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, 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: Received unsolicited financial product or insurance offers after opting out

Complaint:
I never applied for any XXXX  credit card I already contact them and told them i never applied with them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: CL Holdings LLC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I told this collector that I was XXXX and did not have income beyond LTD. They keep calling, including 20+ straight times in a row on multiple occasions. I've had to block there number just to keep my sanity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have accounts that I never signed up for that are somehow showing up in my collections. 

- XXXX XXXX XXXX XXXX - XXXX XXXX - XX/XX/2019 - XXXX XXXX XXXX - XXXX XXXX XXXX - XX/XX/2019 XX/XX/2019

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 2021-05-03
Company: EQUIFAX, INC.
State: IL
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 have inquiries on my credit report I never applied or signed my signature for on Equifax and XXXX  Equifax fraudulent inquiries and dates are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  fraudulent inquiries and dates are : 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 I would like removed from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
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: Information belongs to someone else

Complaint:
I have accounts that I never signed up for that are somehow showing up in my collections. 

- XXXX XXXX XXXX XXXX - XXXX XXXX - XX/XX/2019 - XXXX XXXX XXXX - XXXX XXXX XXXX - XX/XX/2019 2019

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 2018-03-07
Company: Alliance One, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I setup a payment arrangement with XXXX on XX/XX/XXXX to stop the collection letters and the legal action on my toll account. I paid a down payment of XXXX to bring my total to XXXX and have since keep my toll account current. I check my account today online on XX/XX/XXXX and noticed that my balance was XXXX which is wrong and I also noticed that my account had been sent to a collection agency and that it was awaiting legal action which is also wrong consider I have a payment plan and havent missed a payment since my first payment isn't until XX/XX/XXXX. I have attached the payment plan in which I have signed and I have also attached the incorrect amounts in which I am being sent daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Disputed with XXXX, they partially corrected historical inaccuracies but the 'current balance ' / XXXX and/or XX/XX/2023 are showing incorrect. 

Account : 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 2018-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint is a continuation to complaint XXXX as your investigation was deemed inadequate and failed to provide proof of the company in question ( XXXX XXXX ) legal right as outlined within the Fair Credit Reporting Act. 
It is my expectation as a consumer to be protected from unwanted an unauthorized inquires. None of the so called justifiable reasons that you've outlined applies to my communication with XXXX  nor have they provided any proof to the contrary. In addressing your research into my initial complaint with TransUnion prior to my formal complaint to CFPB, I had called Transunion that resulted in phone prompts that went nowhere and provided no resolve. 

My rights as a consumer are being violated and expect this complaint to be taken seriously, as this company XXXX XXXX has a history of abusing the very consumer ACTS meant to protect consumers from such overreaching violations.

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 2017-12-14
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been trying to get my student loans through Navient dismissed due to the XXXX Loan Forgiveness Program, but every time I submit my information that is requeste4d that says that I have completed the requirements they turn it down saying that I do not. I have read the requirements and submitted the required paperwork and each time they tell me I have not met these requirements. No further instructions or help is offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Experian Information Solutions Inc.
State: IL
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 recently sent in multiple disputes letters since XXXX 2021 .Thats right for about 180 days I have been telling you all that you are in MULTIPLE counts of infringement. 

I would actually like to follow along and move forward and sue you all for defamation of character because you all are making me look bad on the outside by tarnishing my report with inaccurate, false and negative items. 

You all send me mail that claim to be accurate with no proof on how they determine the accuracy .I NEVER asked for validation of the account .I said that you all REPORTING false, inaccurate and negative items .Then I ask for it to be removed from my report but you basically telling me no, disregarding that under 15 USC 1692G you must provide me the 5 things that can validate a debt.I then reported and informed you all that you are violating 15 USC code 1666b `` billing error '' with a screenshot proof of every billing error on my consumer report .So, how can you reply back and tell me Im wrong and all that I have been doing is reading the inaccurate information that you have furnished? You are suppose to be reporting 100 % ACCURATE but these items are not even 30 % correct. I have asked and followed protocol numerous amount of times but you are not following the government protocol .If I tell you you are breaking the law and give you a specific law and what youre doing that makes the law broken you sending me this account is accurate and verifiable does not meet the requirement of the dispute didnt ask you is this verifiable .I didnt ask you anything I told you where you were wrong and that I wanted the accounts to be removed ASAP. Did not ask you to send me billing statements saying its accurate because yet again you are disregarding my FDCPA FCRA rights. 


I will also attach a screenshot file of my report that shows all of the inaccurate information under the attached document file AGAIN im asking for all of this to be removed from my report as it should be

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 2018-04-23
Company: MARINER FINANCE, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Mariner finance XX/XX/2011 {$2000.00} I am a victim of identity theft account was unauthorized.

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 2021-09-21
Company: Winklevoss Exchange LLC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021 I withdrew my funds XXXX gbp to my bank acount via gemini automated bank connection and transfer service. 

As of XX/XX/2021 the funds have not arrived in my bank account. I have sent several support emails asking for the swift transaction reciept and in replacement i have been told in 1 email to see the faq. In another email to see the faq again and in another email i recieved a etherium network address. None of which have answered my request so my recieving bank can try and trace the missing fund and also i have requested gemini to locate the funds also. Gemini now seem to be ignoring my emails. 

Account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: EQUIFAX, INC.
State: TN
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: Square Inc
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Cash app are a horrible company. They never protect accounts and when I report fraud, via email, no phone available to reach them and they never provide any documents, they only send a one sentence email : claim denied. It's frustrating and unfair and I plan on going to court to sue them via trial by jury if I don't get my money back. I've been going for over two years and their negligence is unmatched. Attached are all the responses they sent me. Also, all the transactions I want to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: MN
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 am a natural person, I am a living human being, I have rights under 15 USC 16681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have right to privacy and I did not give equifax written permission to furnish these accounts. 

Accounts Account name 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 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 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