BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Customer attempted to use card on XX/XX/2021 and was notified that account was frozen due to suspicious activity. The suspicious activity started on XX/XX/2021 however Wells Fargo failed to notify that this was occurring. Money was transferred from customer 's savings to checking account and multiple withdrawals were taken from ATM for {$1000.00} and multiple purchases at various stores, particularly XXXX in XXXX XXXX and XXXX FL were made where items for less than {$1.00} was purchased and cash withdrawals of {$100.00} were taken. This is a deviation from customer 's account activities. Police report was filed and claimed made however claim was denied by Wells Fargo and no clear indication as to why. Customer was told that she had to prove that she did not take her own money and was filing a claim

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 2017-07-19
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I was contacted by Navient about the loan and they stated they would take me to court and garnish my wages if I did not pay immediately. I downgraded things at home to try to make the payment of {$110.00} per month and when I could not get work for the summer since I XXXX they started harassing me calling me 4 or 5 times a day hanging up when I answer. I told them the situation and they told me we have the right to call you since you are not paying and we will continue until you do. They even told me to go to a drug store or gas station to get a job just do n't sit there for the summer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: JPMORGAN CHASE & CO.
State: CA
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:
Received a letter from Chase on XX/XX/2019 informing me of their decision on a transaction dispute I requested they open on XX/XX/2019. Emailed them same day, XX/XX/XXXX, the decision letter was received for an explanation as to why the investigation into this dispute ended with a result that was not at all related to the original complaint. The dispute was never for a billing error. It was because the merchant was deceiving in selling a device that is not compatible with my vehicle and has since ceased email contact for troubleshooting and return. I provided all proof/evidence via secure emails I forwarded Chase to investigate the dispute, the seller even stated in the email that if the device is in fact not compatible, he will proceed with a return at my expense. After sending him proof via email proving his device is not compatible, he has ceased correspondence. All the email correspondence as well as proof the device not working as promised has been forwarded to Chase to review. A Chase representative promised an explanation of the decision made by their dispute department within 3 business days regarding their decision -- still have not heard anything regarding my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: Experian Information Solutions Inc.
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:
I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EXPERIAN NEEDS AUTHORIZATION TO PROCEED, THEN I GRANT EXPERIAN MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXXXXXX XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10
Company: EQUIFAX, 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 have a major identity theft case I have filled a police report identity theft report and have hired a lawyer I havent gotten any help after disputing the item several times there are still inaccuracies reporting on my credit report XXXX XXXX credit card services opened XX/XX/XXXX fraud balance XXXX $ Account number : XXXX name on account : XXXX XXXX XXXX XXXX : XX/XX/XXXX this has affected my family in so many ways I just want justice for the person that did this deserves to be stopped and help accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06
Company: Santander Consumer USA Holdings 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: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/2020, I submitted letters to all three credit bureau 's as well as submitted a complaint through Consumer Finance and was advised to contact the companies directly to have the inquiries removed. I did not submit an inquiry to have my credit run for any auto loan and now I have several inquires posted on my credit report nor did I authorize my credit to be run.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Experian Information Solutions Inc.
State: NJ
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:
My student loans were all consolidated and transferred to the United States Department of Education. All student loans are current and in good standing. However, XXXX is reporting numerous accounts in my name as 120 days late. I have contacted XXXX numerous times in an attempt to have them correct and remove these items from my report, all to no avail. Furthermore, I have disputed these items on the credit reports associated with each of the three major bureaus ( XXXX, Experian, and XXXX  ), and they refuse to delete the item because XXXX responds to the dispute by stating that the loans are verified and accurate.

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 2020-01-10
Company: EQUIFAX, INC.
State: NJ
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:
My student loans were all consolidated and transferred to the United States Department of Education. All student loans are current and in good standing. However, XXXX is reporting numerous accounts in my name as 120 days late. I have contacted XXXX numerous times in an attempt to have them correct and remove these items from my report, all to no avail. Furthermore, I have disputed these items on the credit reports associated with each of the three major bureaus ( Equifax, XXXX, and XXXX  ), and they refuse to delete the item because XXXX responds to the dispute by stating that the loans are verified and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have reached out to my mortgage company explaining my hardship. I explained then and now, that my mortgage was not affordable. I was paying {$2600.00} monthly on a {$130000.00} loan. At the time I took out the loan it was after hurricane XXXX so I understood then the high interest but I was told that after 6 months I could refinance and get a lower interest rate. Needless to say that was inaccurate and no I did not get it in writing. Please understand the background to my hardship. I have gotten behind on my mortgage I filed bankruptcy, I have had loan modifications and I am still fighting for an affordable solution. I recently received a loan modification, it was significant as oppose to what they previously gave. This time I received a 4.25 % interest rate down from 8.25 %. I had an 8.25 % interest rate for ten years. The lenders refused to lower it, now that XXXX has gotten involved it was reduced. I am pleased about that but no one is addressing the pmi another source of my hardship. Please help! I want to keep my home I have proven that by fighting to reach an affordable solution but this company is trying to force me out and I do not understand why.. My pmi MONTHLY is {$670.00}. My house note is still unresolved. All I 'm asking for is to be given a true chance at owning and maintaining my home. This is my American Dream this is my home but some big bank is making money off of forcing the middle class workers out of their dream. I do not want to raise my children in an apartment complex with XXXX XXXX and XXXX. It is my right to be able to raise my kids in a nice neighborhood, with exemplary schools. It is my right to have a fair chance at home ownership! Why am I being penalized for trying. I am asking once again to please look into and adjust my pmi I can not afford my house note due to it being excessive. Please note that this is my second complaint, I do not understand why the first one was closed because this matter was not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Experian Information Solutions Inc.
State: AL
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 all the credit agencies and sent them certified validation of debt letters twice in the last 5 months and they have not provided nor delete the account XXXX XXXX XXXX from my report, i have never had an account with that company, i have never signed or received any services from this place, this information needs to be deleted from my credit report immediately.

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 2022-06-16
Company: FORD MOTOR CREDIT CO.
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:
Since the vehicle was charged off in 2021 Ford has continuously reported inaccurate information to the three major credit bureaus resulting in me denied from creditors including for a home purchase. I have requested in writing and over the phone for the three major bureaus to verify this information is correct though they have failed numerous amounts of times to do so. According to FCRA all information should be reporting timely and 100 completely accurate and FORD has failed to do so and this account should be deleted from my credit profile. I have attached pictures to accompany the inaccuracies on my report.

1. They are reporting different dates for the status across all three credit burears. The account has been closed since last year there is no reason different information should be reporting. This is proof that all information is not reporting 100 % accurate and should be deleted.

2. Payment history is still being reported when the account is closed and charged off 3. Payment history is inaccurate they have reported late payment during times I was granted extension and or made payments. This information is not correct and the account should be deleted from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX you threaten to sue me for Collection of {$270.00} of a Debt of a XXXX account. Under the Fair Credit Act and Fair Credit Reporting Act this is wrongfully and Deceptive. XXXX XXXX Associates you owe me not less than {$25000.00}. As asked before from you send me the chain of custody of the XXXX account, along with address and phone number of XXXX Account and the one month term contract your still reporting on my credit report Also send XXXX XXXX XXXX XXXX license number to collect a debt in Michigan. The State of Michigan shows no license for XXXX XXXX XXXX to operate in Michigan. 
XXXX XXXX XXXX XXXX your Fake XXXX Account still appears on my credit report and decreased my XXXX XXXX twice for the recent validation of your Fake XXXX account. I am sending XXXX XXXX XXXX XXXX a letter from XXXXXXXX XXXX stating that they do not own the debt, not reporting the debt and account was sold. XXXX XXXX XXXX XXXX also tell me were did you get my name and identity from to support your Fake XXXX account that damaged my credit.

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 2017-07-21
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PNC - XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Short Sale was started XX/XX/17 with PNC. PNC has been purposely delaying making a decision on this file and are therefore defrauding their investors and their clients. PNC has continuously asked for financial documentation from someone who is not on the loan. I have sent documentation to PNC that clearly shows the income from the borrower and this matches their paystubs exactly. PNC is rejecting these documents likely even deleting them. This has got to stop. It is illegal for PNC to request documentation from someone that is not on the loan. I have attached the documents to this complaint that we have submitted to PNC. The income clearly matches.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: EQUIFAX, INC.
State: TN
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:
I reviewed my Equifax credit report and see XXXX XXXX XXXX hit my report with XXXX hard inquiries on XX/XX/XXXX and XX/XX/XXXX. I have not in any way authorized XXXX XXXX XXXX to perform any services related to buying a car or servicing me in any way since XX/XX/XXXX. I bought a XXXX in XX/XX/XXXX and have not shopped for cars since. These credit inquiries are 100 % unauthorized and Equifax will not remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, a response was sent to a XXXX 's XXXX ad for a vacation rental. https : XXXX Received a contract, which was signed and returned. The deposit was requested via XXXX. I signed up for XXXX through my Huntington Bank. The first half ( {$3900.00} ) was sent on XX/XX/XXXX and the second half ( {$3900.00} ) was sent on XX/XX/XXXX. 

Information available : Homeowners : XXXX and XXXX XXXX XXXX ( name on contract ) Email : XXXX - multiple emails back and forth an this is the email used for the XXXX transactions. When I did this the name " XXXX '' came up and I was told this was his boss 's account. 

XXXX XXXX has an account at XXXX XXXX XXXX. Account # XXXX and Routing # XXXX - Given to me by the SCAMMER Address on the Payment Receipt for XX/XX/XXXX is : XXXX XXXX XXXX, XXXX XXXX, FL XXXX - Phone XXXX Property Location is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I believe they bought this property in the fall of XXXX In the email when he requested payment for XX/XX/XXXX, he made reference to a XXXX XXXX XXXX XXXX group. I contacted them on XX/XX/XXXX and was told by " XXXX '' that this property had been sold and they had no knowledge of it being rented. 

I contacted a private investigator and found that a XXXX XXXX is currently residing at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. This was sold to XXXX and XXXX XXXX and their mailing address is XXXX XXXX XXXX, XXXX XXXX, IN XXXX. Neither couple claims to have any knowledge of this Scam. 

XX/XX/XXXX I contacted Huntington Bank to start a cas and try and get my money back. Case # XXXX. XXXX XXXX XXXX Report # XXXX XXXX. XX/XX/XXXX, was informed that no action would be taken by Huntington.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
XXXX XXXX ( I believe was his name ) of Sunrise Credit Services has been calling my cell phone every day up to 3 times a day for months now, never once leaving a voice mail. I asked them to stop, but the calls persist. The first time I called back a couple of months ago, he refused to identify the company he was with. Today I finally got it.

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 2017-07-19
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am getting contacted about a debt for ( {$620.00} ) that was bought from Midland Funding onXX/XX/XXXX. I have disputed the debt several times with all of the credit bureaus. The debt was removed from the credit bureaus on XX/XX/XXXX and then readded XX/XX/XXXX. I have no idea why. After several calls to the company to resolve the issue nothing has changed. I have asked for a validation letter to prove that the debt is mine and I have yet to receive anything. I have contacted the company several times to try to settle ( even though I have never acknowledged the debt as being mine ) and was told that they " Midland Funding '' could not send written conformation to me advising that they would remove it from my credit reports even if the debt is paid. I am at my wits end because I am thinking if I wanted to make a payment and be done with it ( even though I do not owe the debt ) at any time I would have to make the payments again since there would be no proof that the original payment was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
I was rewarding my money in 2010 for student debt. I was mislead on the financial amount and the repayment was misleading and confusing. I attended the XXXX as well as the XXXX campus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS XXXX, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.

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 2020-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX REPORT THE LATE ON MY ACCOUNT WHICH NEVER BEEN LATE

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 2017-07-19
Company: ORG GC GP Buyer, LLC
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
the company at the time said that I need to sing a agreement saying that after one year I have to agree to let them take monthly payments out of my check. I don t make enough money to do this my credit report said that this lone as been closed by the department of education and got sold 3 times but later I fond out that I have a XXXX XXXX and XXXX XXXX and XXXX by XXXX XXXX  the XXXX was deferred. thx XXXX XXXX call or email me any time

Company response to consumer: Closed with explanation