BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-15
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I'm writing on behalf of my friend she has a checking account with Wells Fargo and Wells Fargo received her deposit on XX/XX/2020 and conveniently wells Fargo deny any deposit was made and all the information the irs.gov has was current and updated and accurate. she only has a checking account. and they refuse to tell her if a pending deposit was made or in holding of XXXX better known as the economic impact corona virus stimulus money given by our government in order to stimulate the economy and to provide some help during this difficult time. However the only entity its stimulating is their greedy pockets and some thing needs to be done about it. On there recorded line they advise not to ask about and on there website they say don'task tellers any questions regarding pandemic money because they don't know anything and we don't have access to that information she's not even allowed to ask them what happened to the money because now they can't tell her anything about her deposit history. this is really bad and something needs to be done about it fast.

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 2021-12-13
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:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on ( Provide Date ). They are still contacting me and this was shown up on my XXXX credit report. I will sue them if they continue to collect debt that is not mine.

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 2015-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have contacted Bank of America since I saw XXXX charges assessed to my account which i believe is not supposed to be charged. Unfortunately I have opened new business accounts and signed up for merchant services. Mystery personal has signed me up and thereon no further follow ups nor resolution to my issue was provided by the merchant rep. Device was broken and its almost the XXXX month and yet i do not have the device. At customer service they fail to professionally treat me, matter and fact, they laugh and make derogatory comments. Appropriate proof will be provided upon request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-15
Company: BARCLAYS BANK DELAWARE
State: CO
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:
On XX/XX/2022 Brclysbankde made an inquiry with my XXXX  credit report. I did not recognize the inquiry. Infact I was not even familiar with this particular financial institution. Therefore I am hereby writing to have this inquiry and all account with Brclysbankde removed.

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 2022-07-21
Company: EQUIFAX, INC.
State: SC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Experian Information Solutions 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:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on ( Provide Date ). They are still contacting me and this was shown up on my XXXX credit report. I will sue them if they continue to collect debt that is not mine.

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 2019-12-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as  possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: WELLS FARGO & COMPANY
State: SD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed through XXXX. I was trying to sell something via XXXX XXXX. The " buyer '' said he would send money via XXXX. I received several emails claiming to be XXXX customer support saying I need to refund a portion of the transaction since the transaction was too large. I used XXXX through Wells Fargo to follow the email 's instruction to get the transaction to process. I ended up sending {$700.00} via XXXX through Wells Fargo to resolve the issues. I eventually realized it was a scam. The scam emails spoofed XXXX 's customer service branding and I've ran into issues in the past with transfer limits on XXXX which made me susceptible. There was no ability to cancel or terminate the transaction after I realized my mistake. Wells Fargo notified me that the transactions are instant and irreversible.

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 2015-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
My refinancing with bank of america was taking about XXXX months, and was rejected. The paper trail is enormous. They charged me for a home inspection before the mortgage was accepted. I feel that a huge mistake was made by the bank.How do i recoup my loss,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-09
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
XXXX colleges committed fraud and I should not have to pay back these loans because even though I received a degree I have not been able to get a job even though the college promised they would help me get a job and they lied about people getting hired!!!!! I 'm sick of making payments to these fraudsters please HELP ME!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
This to add to my Case number : XXXX When I applied for the all XXXX loans with XXXX/ Navient at the time. The Loans were called student signature loans. When signing these documents electronically the interest rate was not given nor did I know if it was variable or fixed rate. If you look at the application I gave plenty of time for the lender before I was to start college. The lender did not give the truth in lending or disclosures until two weeks after I was in college so that I could not withdraw from college because of a high interest rate. I would have not gone to college if I knew it was a 14.375 % the last year of college. 
Then Navient gave federal XXXX discharge paper work. When I was not eligible for this. Then put my on interest only payments knowing this would hurt me in the long run using my only option. Then when the interest only term was done. Navient made my term from a 15 year term to 5 year term. Which double my payment. Then they tried telling me that I could use forbearance if i could not make the payment making things much worse. There is also a {$50.00} fee for this as well. These were many different ways that this lender tried making me default on all three loans that I had with them. These are all forms of UDAAP violation. Then on XX/XX/2017 I requested all documents on my file with Navient which I have not received yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Application processing delay

Complaint:
My issue is that I as far as I know, I have an account with Walmart/Sychrony. I was approved for the card. I called to get some information on the card and suddenly they could n't find my account and now that results as a hard inquiry. My issue is that either the account is open or they remove the inquiry off of my report. I tried calling their underwriting department several times including speaking with a manager and nothing has been done. Plus they have outsourced their calls, so I can not speak with anyone truly.

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 2020-06-15
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received calls from Americollect approximately 3 months ago. Would get at least 1 call a week. When I spoke with them they initially were trying to collect a debt my wife owed. My wife then setup a payment plan with them for her debt. Days later they kept calling me. When I informed them this was not my debt and that a payment plan was setup for my wife they stated they would remove my number from the file. This happen theee more times. All times they stated they would remove me number. They then called my employer in an attempt to locate me. When I called back they informed me I had 3 open accounts with them totaling just over {$2700.00} dollars. I asked who the original debts were for. They told me that one was for a medical place. Did not tell me if all were for medical places and did not tell me the amount. I informed them I never received any information in the mail regarding this debt and just 2 days prior when I asked if I did owe anything I was told no. The phone calls then stopped for a month. They are now reporting this debt on my credit. I still have not received any information in writing about this debt. The amount and who the original debt is owed to I only know because I had to look up my own credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card
Issue: Billing disputes

Complaint:
Capital One is requesting a high minimum payment of XXXX, the account is past due and has been, which I understand. However, this amount is too much to pay and is more than my weekly paycheck, it will have to be lowered. I did attempt to have this amount lowered by speaking with numerous reps, all were in the collections dept. They are more interested in making a payment arrangement than actually lowering amount due, an arrangement is just to get some payment out of me regardless if any additional fees or assessed. Please advise them payment amount will have to be lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: KEYCORP
State: WA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My card was stolen and used for XXXX $ in XX/XX/2020. After I found out I immediately called the bank and reported the fraudulent charges. The bank investigated and denied my claim. They told me they didn't have enough evidence. They told me to send in a letter stating where I was during the times of the transactions basically proving it wasn't me using the card. I did that then they denied me a second time still saying it's not enough evidence. Then they told me to send in a police report. I did that and they still saying it's not enough evidence. I don't know what else they want me to do. I feel they are treating me unfairly and wrongly. I did everything they are asking me to do but it's like they are calling me a liar. That's why I came here to get help and get this resolved. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the accounts was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$4800.00} ; XXXX XXXX  XXXX Balance : {$4100.00}

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 explanation
Consumer complaint received 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX  This is fraud on my credit report. 
This company has nothing in writing showing my obligation.

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 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2021-12-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
my credit score with Experian is frozen due to identity theft attempt. When a credit score check is needed we're supposed to go online / call to temporarily lift the freeze. 
the website is dysfunctional ( over 6 attempts ) and this action can not be completed. they refer you to the XXXX number. there are no agents on line ( 7 -8 calls over 2 business days ) .the only option is by mail (?!! ) with documentations and copies of bills and driving license. you can't even plan what will be the period of the temporary lift, because you have no idea when the letter will be opened. TERRIBLE.

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 2021-12-13
Company: Louisiana Recovery Services Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A correspondence was sent on XX/XX/2021 in regards to an alleged debt of XXXX. This company violated multiple laws listed below : 1. violation 15 USC 1692b ( 3 ) was done by reporting a logo and business information on the page multiple times 2. violation 15 USC 169 2e ( 2a ) was done by reporting a positive balance. A debt is to be reported using a negative balance if I allegedly owe a debt.

3. Violation 15 USC 169 2b ( 2 ) by using threatening terms " this is an attempt to collect a debt and any information obtained will be used for that purpose. '' 4. My Hippa rights was also violated by submitting my medical documents via mail.

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 2020-06-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX Social security : XXXX D.o.b XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX This document is for fraudulent accounts opened in my name, the account Im Disputing is XXXX XXXX OPENED XX/XX/XXXX with a balance of XXXX, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the Equifax data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: U.S. Auto Sales Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I was told buy the company I had a warranty to fix the car it was the crankshaft needed fix they never fixed the car it stayed at the mechanic shop for three months because they said they was not going to fix it I asked for my money back for the warranty and they refused they even refused to remove the gap insurance fees and are still charging me the same amount of the car the day I took it off the lot minus XXXX dollars and I have the car for two years they sold it at a private auction even though I asked for it in writing for it to be public and they have not even told me any documents or paperwork on the amount it was sold for why am I still paying the same price the day I got the car?

Company response to consumer: Closed with explanation