BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-29
Company: General Motors Financial Company, Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
my identity was stolen and i have notified GM financial, they have failed to remove the account off my credit profile, .. 
i was told the the car was repossessed in XXXX ... well i live in XXXX this account is as a result of identity theft and was not opened by me. 

GM Financial collectors call to make illegal threats.. these are against FTC rules . i have furnished them with notarized statements & police reports .. even court papers but they refuse to remove their false negative reporting also this account was included in bakruptcy and should have been removed anyway

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/XXXX I reached out to Wells Fargo to pursue a deed in lieu of foreclosure. Our property septic system was damaged ( system floated ) during flooding in XX/XX/XXXX of the property and our insurance did not cover the cost to repair was $ XXXX which we could not afford. We were where told we had to first get attempt to put the property on the market for 90 days & attempt to sale property, submit a request to short sale and be not make payment on loan before doing a deed in lieu of foreclosure. We hired an realtor & lawyer specializing in short sale and put the property on the market on or about XX/XX/XXXX. We submitted paper work and supporting documentation for the short sale application. We were assigned a Home Preservation Specialist XXXX XXXX. In XX/XX/XXXX we reached out to Well Fargo because house did not sale and was told we had to have the property on the market for 4 months after the approval of short sale. At that time we were told Wells Fargo did not receive supporting documentation we and our attorney emailed in XX/XX/XXXX. We faxed & emailed it to XXXX XXXX and our attorney emailed documentation duplicate copies. On XX/XX/XXXX we received an active contract on the property for a cash sale and our realtor and attorney reached out to Wells Fargo and was told they needed additional supporting information and we emailed and fax documentation to both XXXX XXXX. XXXX XXXX confirmed Wells Fargo received all required information to support application for short sale approval and a 5 day determination letter was sent to our attorney & realtor. We received a letter in the mail XX/XX/XXXX requesting the same information we again emailed and fax information. Wells Fargo continued to send communication that there did not receive documents up until XX/XX/XXXX. I called but could never get in contact with our assigned home preservation specialist nor loan adjuster ( XXXX XXXX XXXXXXXXXXXX, XXXX XXXX XXXXXXXXXXXX ). I spoke with another specialist and was Wells Fargo system showed documentation was received but short sale approval still pending. Also informed me that the loan was in active foreclosure but no sale date had been determined. We have done everything asked by Wells Fargo to avoid foreclosure but have been strong along entire process. I research issue and found Wells Fargo has done this to many customers. We have not been unable to resolve this matter even with attorney and feels attention needs to be given to this issue. Hoping CFP can help resolve.

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 2015-10-08
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I 'm trying to refinance my house but when they pull my credit score theycant get it??? 6 months ago it showed XXXX now It 's not available?? Theysaid Wells Fargo is n't sending the info on my house payments. Is thatpossible? please help me. How can I not have a credit score?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Experian Information Solutions 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:
I have tried to get both XXXX and Experian to update my current address as well remove out dated debt that was involved in identity theft of my report. Some of these items have been canceled via 1099C which I have provided and explained to the reporting agencies. They are reporting these debts monthly that have been canceled and I am.not sure what they are validating when I place the dispute to have this information corrected and or removed. As well I reside in XXXX.and they have not updated my credit report address and refuse to remove addresses over 10 years old off my report. 
XXXX also has my account in XXXX XXXX  never can validate my information as a US citizen. 
I have attached my information so they can't say they don't recognize me. License and last four of social.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-05
Company: DISCOVER BANK
State: TX
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:
Hi I didnt apply for a discover card dated back XX/XX/XXXX and I didnt accept this card in my name and it has two phone numbers it dont belong to me in my name .... and discover completed there investigation and find it that I was responsible for this account but they never called me or send me any letters at all and I didnt apply for this card ... but I wasnt held responsible on two previous discover accounts and I have the letter and the proof they send me in the mail on XX/XX/XXXX on another discover account ... Discover has been giving me a hard time and they have rude customer service and they never ask for police report and never called me ... I want this account to be temporary removed off my credit report while they do there second investigation ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Early Warning Services, LLC
State: LA
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX {$2600.00} XX/XX/XXXX XXXX  XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX {$96.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$16000.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Beginning Monday, XXXX XXXX, I have been locked out of my account. They wanted to verify my info which is fine. First they asked my email address. When I gave it several times they told me it was wrong. Ive had this email for several yrs. I finally told them to ask me the security questions. They asked for my email. Since Ive been with this awful Fifth Third Bank you wait a minimum of XXXX hour each time. They tell you if you enter Social Security you will get through faster. Has never happened. 
I live in supportive living, am XXXX XXXX XXXX, in XXXX XXXX  with serious health problems. With 5 days of this, hrs. per day, Im sure that XXXX XXXX was way up ; even though Im on medication. 
On XXXX call I was transferred 3 times with at least XXXX hr. ea. time. When I finally got a supervisor who promised to help we were disconnected before we got started. They have my correct address & phone but not email. They could have called back & didnt. 
Fifth Third took over my old bank several yrs. ago. If I had to call my old bank a real person answered immediately & I was done in 5 minutes. Fifth Third is denying me access & Id love to see them out of business. THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Inaccurate information on credit report. 
XXXX XXXX  Open date XX/XX/2007 Balance {$19000.00} Inaccurate name on credit report. 
XXXX XXXX Inaccurate address on credit report. 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Inaccurate phone number on credit report. 
( 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 2016-09-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
All of the credit inquiries were made on the same day through a company that was searching for the best rate. I found information regarding credit reports that stated that inquiries made within two weeks are considered XXXX inquiry and these inquiries were actually made the same day. I ask that these items be removed or be reported as XXXX entry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: MD
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:
My name is XXXX XXXX, and I am sending this request again to address the fraud account on my Credit Report. I received a letter from CFPB that Credit Bureau closed my complaint with Complaint # XXXX, XXXX, and XXXX to protect my PRIVACY. As of todays date, the 3 credit Bureau has not responded to my dispute.Below the account which do not belong to me or was opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$36000.00}.

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 2017-01-05
Company: WELLS FARGO & COMPANY
State: NV
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
My bank is Wells Fargo, and there always seems to be a problem going on in my account.Some of the bank accounts were opening separate accounts, and moving money from XXXX account to the other.That a reason why my funds are low. I do n't want to move my money from XXXX account to the other.I want to solve this issue right away. I want a suggestion to see if there is a good online bank has great customer service, that is recommend to move my funds there.I would appreciate a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: JPMORGAN CHASE & CO.
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My wages were garnished. I called XXXX XXXX XXXX to dsicuss the account as I was unaware of this action. The debt is from 2008. I was told that if I paid it in full that day on the phone, that they would return the XXXX back to my employer and that the garnishment would be released. They took my XXXX payment in full electronically from my account on XXXX. They have steadfastly refused to return the XXXX taken on XXXX and on XXXX another deduction was take from my check. This company will not release the XXXX funds to me for 21 days, and then stated they will hold the second issued to them XXXX XXXX for an additional 21 days despite the fact the account is paid in full. They are hold XXXX of my money causing me financial and XXXX duress. 

It is important to note- XXXX told me on XXXX that if I paid this in full that the XXXX would be returned to my payroll department and given back to me. They have recorded lines. He lied, they did n't return they cashed it, and now have cashed another and are holding the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am requesting a copy of the original assignment of my loan account from XXXX. I am requesting documents to show and prove Wells Fargo Had the right to collect or had rights to my loan. 
Wells Fargo received a assignment from the FDIC XX/XX/2012. Still there are not records that show how Wells Fargo had the right to collect any payments on my loan prior to this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-01
Company: American Collections Enterprise, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
AMERICAN COLLECTIONSXXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX # XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify AMERICAN COLLECTION ACC # XXXX XXXX XXXX XXXX XXXX $ - XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : AMERICAN COLLECTION or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXXSSN : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have a student loan that was taken over by XXXX. With XXXX we agreed upon a 12 month hardship agreement that I would only pay XXXX monthly. My loan was taken over by Navient, who will not honor this agreement. According to XXXX Navient is supposed to honor any agreements previously made with XXXX and their clients. Navient is claiming that they do not have the appropriate information to honor my previous agreement, however XXXX that they have sent all of the information over. Navient is threatening to take legal action if I do not make settlement. Based on my current income, I am not able to make the large settlement payment that Navient is offering, and they will not lower the settlement option.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Hello. My name is XXXX XXXX. My email is XXXXXXXXXXXX I was almost relieved to see the Lawsuit agaisnt Navient, as i have a loan with them. For the last year they have been lying to me about co-signer release, stating that it was a possibility if I went through a differrnt payment plan, which I held up my end and paid on time only to find out they lied to me and my co-signer ' can not ' be released. I also still have in my position a copy of the refund check of {$520.00} that Navient LOST and I had to get the Better Business burough involved to locate the money they lost. I have been consistently mislead and lied to by this company.. they deny me income based repayment and are the absolute worst customer servicer I have had, which is saying a lot because I was switched over, not by choice, from XXXX XXXX . I think loans should be forgiven when the Loan Provider Navient is abusing and misleading their borrowers for personal monetary gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Our was texted and then called on XX/XX/XXXX by chase numbers ( which I XXXX  before responding or answering to ). I was told that there was a fraudulent transfer happening through my XXXX ( which I have set up through chase ) and in order to reverse it, I had to fake send my money to a number that was supposed to be my claim number. The transfer was supposed to be say declined once I sent it to the claim number. Little did I know, I was legit transferring money to people who were not chase even though the numbers matched. I contacted Chase on Monday XX/XX/XXXX, & & was told that it was not actually them who called. They said they needed to investigate & 5 days later I was told they would not help me because technically I authorized the payment. I spoke all the way up to the supervisor who basically told me Chase refuses to do anything about scams. She spend over XXXX minutes giving me examples of other people who lost money through a scam which was 100 % unhelpful. I was told by her that not even the police could help me. The representatives made it seem like it was all my fault and not even the highest Chase representatives could help me either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently loss my wife in XX/XX/XXXX, and tried to refinance my home to get a better interest rate. I was later told that I had a lien on my home from Wells Fargo Financial in XX/XX/XXXX for XXXX recorded XX/XX/XXXX Book XXXX page XXXX. In XX/XX/XXXX we refinanced the loan with XXXX with no problems. My lawyer and myself have reached out to Wells Fargo ( phone calls and fax ) several times in regards to getting the lien released on my home. After a month of trying and getting no response I need another way of getting the lien released. The process of getting my home refinanced has come to an halt. Because I have not gotten a response on my lien being released and I can not personally talk to someone at Wells Fargo that can give me answers. I have faxed XXXX letters to Wells Fargo requesting the lien release.

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