BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have requested that USAA grant me additional relief on my autoloan due to Covid-19 as we have been ordered to stay at home again. I contacted USAA o XX/XX/XXXX to ask for another extension. I have made some of my payments during this time, but as of XXXX we are ordered to stay at home again and I am unable to earn an income. USAA denied my request for relief on my payments. I have requested relief twice before and USAA granted it, but again as stated since that time I have made some payments, but again we have to stay at home, which is out of my control. USAA 's refusal to grant additional assistance is unconscionable and I am requesting an investigation into this matter. Additionally, I am a XXXX citizen and this is no way to treat anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: EQUIFAX, INC.
State: NC
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:
All 3 credit bureaus XXXX, Equifax, and XXXX  will not remove the below account from my credit report. A payment and settlement was made in XX/XX/2020. The creditor agreed to remove/delete from my credit report upon receiving payment. To date that still has not been done. The credit bureaus are reporting a payment made but are still reporting it. This should be removed from all three reports. The creditor/collector has not stood behind their word of deleting from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX USA ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXX XXXX 
1 late payment
$XXXX  Balance updated XXXX XXXX XXXX
Account number
XXXX  Account status
Open
Date opened
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH 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 2020-03-10
Company: Experian Information Solutions Inc.
State: AZ
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'm contacting you and your companies because my identity has been stolen and compromised inwhich fraudulent accounts been opened and closed in my name and I'm demanding that these accounts be removed and blocked from my credit file. What Method of Verification was used within your reporting system in order to process these accounts. Please remove these accounts immediately. 

1 ) XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX/ DEPT Of ED

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 2022-10-09
Company: Sequium Asset Solutions, LLC
State: CT
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:
On XX/XX/XXXX | sent a request to SEQUIUM ASSET SOLUTIONS to validate the account that was was opened on XXXX XXXX, XXXX with a balance of {$180.00}. To this day SEQUIUM ASSET SOLUTIONS has failed to answer my request as they are required by Federal law and Im very concern because I believe this account was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Account balance has not been updated by Trans Union since XX/XX/2016.

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 2022-10-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX continued- After the trickery of XXXX. 
They set up a Mediation process to discuss their fraudulent activity on a side issue if a checking account. Hired a mediation attorney to falsify the process, and refused to send the transcript or recording of the session in which it was stated numerous times that the proceeding will be addressing only the CHECKING account and then XXXX has the audacity to claim that was to address the entire relationship with XXXX, which is a lie. 

XXXX suggested after the mediation to have a separate mediation regarding the HELOC loan and now they are walking it back. 

Please reach out to WF and have a new set of eyes on this complaint. 

These complaints will continue until the real issues are addressed and mediated. 

Thank you for speaking with me about your concerns with the account. I appreciate the opportunity to help you, we`ve reviewed your concerns and are providing you with details about the request for mediation. We received a similar request from you and sent a prior response. For your reference, we`ve enclosed a copy of this prior response, which addresses most of the issues mentioned in the inquiry. As our mediation was to address the banking relationship as a whole and not a specified account, we are unable to open an additional claim to mediate. With that being said, you may still have legal rights outside of Wells Fargo. We can confirm the emails between you and XXXX XXXX do not advise the mediation was for just the checking account. The emails state that you are free to pursue any legal claims with respect to the account. Please contact an attorney to discuss your rights and next steps. Here are important account details we`d like you to know. Your account has been paid in full and closed. I`m glad we spoke about your concerns. I appreciate the opportunity to help you, and I`ve attached a copy of our response letter. 
XXXX XXXX XXXX XXXX ( XXXX MB )

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 2016-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX ( XXXX ) placed a collections account on my credit for an alleged debt of {$270.00}. I never received a debt validation letter from XXXX, and when I asked them they said they mailed me one in XXXX 2016 which is a flagrant lie in flagrant violation of the FDCPA. XXXX is illegally trying to " park '' an alleged debt on my credit report even though I do n't owe any alleged debt to XXXX. The tradeline for XXXX needs to be deleted because I do n't owe any alleged debt to them nor did I ever receive a debt validation letter.

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 2020-12-24
Company: Experian Information Solutions 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 have contacted the credit bureau Experian several times via certified mail, where I obtained my receipts of the failed attempts to resolve this issue. I have download & printed a copy of the credit report that shows illegal under the FCRA of reporting the same debt multiple times by different companies whom are using the address & phone. XXXX XXXX shows twice on my credit report & XXXX XXXX XXXX all for the same amount {$850.00}. Its the against the law of this reporting. Experian responded back with a letter that clearly shows proper investigation isn't being 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 2016-04-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Experian did not follow my instructions to delete wrong information on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been trying to request an income based repayment for my student loan. When I go to the studentloan.gov website to apply, it shows that I have student loans totaling {$82000.00} when it should be {$49000.00}. The additional loans were discharged XX/XX/2011 due to my being a XXXX veteran. These loans were reopened by Navient and I spent over 3 hours on the phone ( Wednesday XX/XX/XXXX ) going in circles with different agencies and they all sent me back to Navient. Prior to this and afterward I spoke with representatives at Navient and asked if they could defer my payments until the issue was resolved and I was told that because my payment was in the window of repayment I need to call back. I get the same response every time I call back. I can pay the first loan payment on XX/XX/XXXX of XXXX but I ca n't afford the payment amounts that are estimated to be over {$500.00} for the following months. In addition, I do n't want to request a reduced payment which includes payments that have already been discharged. The representatives that I spoke with at Navient agree that my student loan total is {$49000.00} but they ca n't tell me why the past discharged loans are showing up on the student loan website or how to remove them. No one seems to know how to remove them, although I have a letter saying they were discharged. Please help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 43 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 2018-07-03
Company: ProCollect, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
When I had first received notice in late XXXX from ProCollect, I had sent ProCollect and XXXX  XXXX XXXX proof that I had paid rent, proof that the carpet didn't need to be replaced, proof that the kitchen didn't need to be cleaned. They had also rented the unit out in XXXX, the same month they are trying to collect past due rent from me. In XXXX, XXXX responded back to my complaint, saying I still owe the debt.

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 2015-12-29
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient customer service agents misapplied a payment that I made on XXXX XXXX, 2015 and has since then, have been diligently attempting to collect a ghost balance that I do n't owe. They have reversed and reapplied the payment so many times that I can no longer see my previous payment history, only their mistakes. A recent collections manager told me that I underpaid my loan nearly a year ago in XXXX 2015 which is why this is happening. I have never received this information prior to today, and this error was apparently " discovered '' while they misapplied payments to my account, over and over again during the month of XXXX. I am very nervous about making any further payments until this issue is resolved, for fear of further erroneous postings and payment application leading to additional collections of false debts. The same Navient manager told me that his time trying to explain my " missed payment '' was a " courtesy '' to me and that he did n't have to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: WELLS FARGO & COMPANY
State: NE
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a retirement account at Wells Fargo setup through my employer. At the beginning of the year Wells Fargo sent a notice that all future retirement statements would be sent electronically unless I opted-out and requested them to remain sent by mail. Since then I have NEVER received it by mail even though I requested it several times. Each quarter I am re-signed up for electronic statements even though I do n't have an online account. I am then sent an email stating that I have requested it to be sent electronically. 

Every quarter they claim to change my delivery preferences but I NEVER EVER GET IT! I believe it is a deliberate attempt to force me into agreeing to their online XXXX which requires me to relinquish several of my rights. 

I have never agreed to have this account and have stated my distrust repeatedly. Wells Fargo has it setup with my employer so that my employer can make cash donations to Wells Fargo in my name. There is a retirement fund ( which I can not close ), which donations are made to ( which I can not move ), and all of it gets taken by Wells Fargo for " Bookkeeping Fees ''. They should be investigated for fraud and should NOT be able to use peoples identity against their will to launder money! 

Wells Fargo also uses my personal information to send me constant solicitation which I have requested numerous times to stop.

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 2022-10-09
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
PayPal won't allow me to close my account. 

I tried to buy a XXXX toolbag and a scammer never sent it but PayPal stated they did by regular mail. 
I was sent no Email or tracking for the bag. 

I have the United States XXXX XXXXXXXX XXXX and it showed nothing delivered I screen shot it and sent it but no response. 

So I paid it and tried to close the card but instead they charged me for a physical card for 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 2022-07-21
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXXXXXX XXXX XXXX XXXX, WI XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Owed : {$85.00} ; XXXX XXXX XXXX XXXX Owed : {$19000.00} XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Winklevoss Exchange LLC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Gemini Trust Company , LLC ( XXXX ID : XXXX ) froze my account on Wednesday XXXX XX/XX/2022. They asked me to upload a selfie holding my ID and a written statement, which I did the same day. 
After numerous reminders, they informed me on Thursday XXXX XX/XX/2022 that they had determined to close my account. They refuse to indicate any reason and said their risk process is confidential. 
Moreover, they indicate that I am not allowed to withdraw my crypto currency, but can only exchange it for USD or another fiat currency ( for which, by the way, they charge high transaction fees ). 
I indicated that this is insulting, as it is the first time in my life that I was designated as a risk, and I not even told why. And I indicated they are not acting as socially responsible company that is treating its customers fairly. I asked for an explanation and a fairer treatment. They continue to refuse this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card
Issue: Sale of account

Complaint:
This is the third time for filing this complaint. After each contact Wells Fargo has given me a different story of why I was sent a {$300.00} dollar check on an account that was sold to a collection agency. This last time the collection agency told me that Wells Fargo told them that it was for overpaid interest. I have attached a letter and all of the information including the new information received.

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 2016-11-30
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I submitted a QWR to Nationstar. 
The response that I received was not complete, nor was it timely, and does not comply with the required rules and regulations regarding information request. 
They are vague, condescending and untruthful in their response. 
They chose not to provide proof that they are the authorized tender to my loan.

Company response to consumer: Closed with explanation