BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-18
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I wish to file a complaint and request a investigation of practices of Santander Consumer USA of Texas. This organization has no control of its representatives nor its vendors. The # of complaints regarding this bus business are beyond count and indicate a clear pattern of mistreatment of Consumers. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Experian Information Solutions Inc.
State: IN
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 reached out to Experian several times to dispute erroneous items from my credit report and asked for documentation..verification and validation of each item they are reporting including a request to provide who they spoke with name and contact have not received it..they claim they updated/verified the accounts within hours of my filing for reinvestigation there was no way this was done properly or legally.

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 2016-11-03
Company: WELLS FARGO & COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened my business checking account through Wells Fargo XX/XX/XXXX. Then, I received the letter stating the account was closed on XX/XX/XXXX. I was told to contact the XXXX XXXX XXXX. I received the documents from the XXXX XXXX XXXX and showed them at the Wells Fargo branch. The manager reviewed it and allowed me to open new business checking account. Then, I received another letter stating the account was closed on XX/XX/XXXX. I was so furious and upset. The closed business account affected my business operation. I was not unable to deposit the company checks. It impacted my business lots. I lost thousands of dollars. I was forced to use XXXX XXXX to accept credit card transaction. The merchant incurred so much fees. Wells Fargo owed me thousands of dollars because of the closed business account. The XXXX XXXX XXXX showed no evidence negative statements. I am asking for the reimbursement of my lost business cost and allow to open a business checking account.

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 2015-05-12
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I did accept a transfer service that was offered to me by Wells Fargo, and I did a transfer of {$120.00} to XXXX XXXX XXXX XXXX XXXX XXXX, that money was taken from my account on XXXX/XXXX/2015. 
The bank tellers said that the money will be ready for withdraw the same day, but In the transfer documents they gave a longer period which was up to XXXX/XXXX/2015. 
The receiver went to the bank last week on Monday, and return again on XXXX/XXXX/2015, but the bank in XXXX said there was nothing to be withdrawn. 
I contacted the bank by message, I went XXXX to speak to representatives, the last representative put me on the phone with customer service in charge of the transfer and they said that they could not contact the bank in XXXX. 
I told them to return the money to my account immediately so that I could go a send the money by another agency, but they told me that it takes XXXX days to have the money back in my account. 
This is intolerant and is causing too much problem, XXXX they are lying in the service they said they give and XXXX, if the XXXX bank does not have the money why Wells Fargo has to take XXXX days to give me my money back. I made a transfer trusting that the receiver will be able to withdraw funds last week and this is taking XXXX weeks already. This bad services is causing me lose of time, money and is causing damage since the receiver needed it last week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX 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 XXXX  XXXX  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 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone used my information illegally and obtained several lines of credit fraudulently and now my credit is shot because of it. I am a victim of identity theft and trying to get back on track with everything and this is causing me so much trouble for me and my kids. Please help me. The fraud accounts are as listed XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and 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 2016-12-16
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Some of my outgoing mails were stolen with checks in it. The checks were payable to various suppliers and utility companies. I have been able to locate around XXXX such checks that have been stolen to the tune of {$70000.00}, These checks have been funded by Wells Fargo Bank erroneously. The fraud was not caught by the bank ... i had to report the same. I have challenged the bank about their payment on these checks while the benefactions name was specific to entities like the utility company. 

This has also been reported to the Police and XXXX XXXX. I would like immediate help to have this issue resolved with my Bank.

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 2022-08-18
Company: EQUIFAX, INC.
State: AL
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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX  XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: EQUIFAX, INC.
State: IN
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 reached out to XXXX several times to dispute erroneous items from my credit report and asked for documentation..verification and validation of each item they are reporting including a request to provide who they spoke with name and contact have not received it..they claim they updated/verified the accounts within hours of my filing for reinvestigation there was no way this was done properly or legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone used my information illegally and obtained several lines of credit fraudulently and now my credit is shot because of it. I am a victim of identity theft and trying to get back on track with everything and this is causing me so much trouble for me and my kids. Please help me. The fraud accounts are as listed XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: WELLS FARGO & COMPANY
State: IN
Product: Credit card
Issue: Late fee

Complaint:
I have my credit card payment on a weekly pay cycle of $ XXXX/week. During the course of a month ( 4 weeks or 28 days ) I make a cumulative monthly payment of {$220.00}. My minimum monthly payment due on my credit card was {$180.00}, due on XXXX XXXX, 2015. 
I was charged a {$38.00} late fee on my XXXX billing due to the timing of the billing cycle and the corresponding payments. 
My due date each month is on the XXXX, but my cycle does not end until the XXXX. During the month of XXXX I had a payment applied on the XXXX, which is between the XXXX and XXXX. 
The application of the XXXX XXXX payment was applied backwards, to my XXXX payment requirement. The resulting billing period for XXXX XXXX through my due date XXXX XXXX only had 3 weeks ( 23 days ) to make my payment. My payments were made each week on XXXX, XXXX, XXXX. 
The XXXX XXXX payment should have been my XXXX payment, which would have been 4 weeks ( 30 days ). 
I did contact the company and talked to a supervisor. The supervisor did state and confirmed that I was being charged a late fee for paying my bill early and on a regular basis, but there was nothing she could do about the late fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-26
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Navy Federal Credit Union had what they called a XXXX program ; they give you {$50.00} to start a savings acct if you are sponsored by a present member and an additional {$50.00} dollars for every one you sponsor up {$250.00}. My daughter was sponsored by a member that is a veteran ; my daughter in turn sponsored me because the rule was you could sponsor immediate family members ( verified this several times thru NFC customer service dept ). My acct was created successfully. I was able to login online and see the acct and change my password successfully. I then went on to try and sponsor other family members ; but when I tried to sponsor a family member to go thru the sponsorship process they were blocked and told by reps of NFC that my acct was not verified. I went back online and was not allowed to login to my acct.. I called Navy federal and ask why I could no longer login and after much questioning and asking for an supervisor I was told that the reason my acct was now not verified is because my daughters acct had not been verified. I contacted my daughter about it and when she contacted them she was told that her sponsors acct ( the veteran member ) had been flagged because another person the original sponsor of my daughter sponsored was a XXXX male and he sounded like a woman over the phone so they flagged him and every one associated with his sponsor. That just does n't seem right to me that you flag a person acct because they sound like a woman. I 've had numerous occasions over the phone that a woman sounds like a man and vise versa. But because of the way someones voice sounds you make a judgement call and not only flag their acct but everyone 's acct that maybe remotely connected to it ; especially after my acct was already setup. It just seems to be yet another fraudulent practice by a financial organization that I want to put out in the open and find out is this is a legitimate procedure to give a person an acct then disable it because of something like this. That 's my complaint. Just want to know if this is illegal or a fair practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have XXXX different student loans, XXXX of them were transferred over to Navient at some point. They began contacting me via automated phone calls informing me to call some number and plug my social security number. That smells like some scam right off the bat. When researching the internet all I find is what a dishonest organization this is. But then I had to contact them and find out who they were and that is how I found out that my loans were now under Navient. Now the real issues begin to show up. This agency is very tough to get information from, and the information changes every time you talk with someone new. ( very similar to XXXX XXXX and their scam ). I finally was able to get access to my statements. I have been in Forbearance for quite some time, upon review of of those statements, i see that Navient has repeatedly charged " late fees '' every few months. These are not small late fees, but rather in the hundreds of dollars every 3 months. I contacted Navient why and how they could possibly charge " late fees '' when I have been in Forbearance the whole time. The person on the phone could not come up with a real reason, he tried to get approval to remove them or reduce them, all he could do was give a XXXX dollar credit. ( we are talking thousands of dollars of late fees and he can take off XXXX bucks. Come to find out, the reason that there are " late fees '', is because Navient takes so long to process their paperwork that it shows up as if I am late in renewing my forbearance every other month. 
I am also astounded that they can charge 8.5 % interest on loans! nobody has see those kind of rates since the 1980 'S! but at least back then we were making good money and the economy was robust. I guess they forgot the " ro '' in robust and are just going for the bust. 
I have no problem paying back my loan, but would love to be able to deal with an honest company with honest rates and transparent policies and procedures. 
I also have loans with XXXX and XXXX and XXXX and those agencies are straightforward and the interest rates are between 2 and 3 % and there are no surprise fees. 
I am attempting to consolidate all my Navient loans into XXXX loan and begin the re-payment process, I could not get a straight answer as to the interest rates and fees involved ... we shall see. From what I have experienced already, I am very sceptical. 
For all those out there, stay out of the student loan debt. Go some other route. 
I have been working on becoming a XXXX for 21 years, I was working full time and raising XXXX kids and still paid a XXXX a month into the system, but I still had to take out loans to get it done. 
-good luck to all

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: WELLS FARGO & COMPANY
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Wells Fargo back dated letter regarding proof of insurance. Letter dated and sent XXXX XXXX ( not received till a week later thru regular mail ), stated to provide proof of insurance before XXXX XXXX or would be force placed and was in fact already force placed prior to any notification ( I had provided all info the day after car was purchased, never notified they needed something else ). Not only was this provided a month before to the dealer, there was no way to comply with their notification AFTER the due date. This was then provided. This has since been provided to them XXXX times which they refuse to confirm receipt of. This was sent by myself XXXX times ( XXXX to dealer, XXXX faxed to thier insurance directly ) ..Three times by my agent directly. Another time from the insurance customer center XXXX # directly to Wells Fargo auto ... ..Then my agent even called and verbally gave the information twice more ... ... .still they claim is outstanding. Insurance dept routes me to customer service who routes me back to insurance ... .so on and so on. They keep charging more and more fees and have reported me late to the credit agencies which is detrimental to my credit rating, even though I have been calling and they know of the disupute and discrepency on their end. Also my actual payment has been auto deducted each month on time, so I have not paid anything late. Each time I get routed to someone else who give me different information, then never appears to notate my account since next time I call is like the first time. This is obviously a scam for additional fees and high insurance that is in cohersion with the auto dealer/lender. They have all my contact info yet claim they are not allowed to leave me a voicemail so that I know they are trying to reach me. Agents are rude and actually lied to me regarding my rights. They claimed that they can not file a complaint & have nothing to do with credit agencies to correct information and until I pay them, customer service will continue to pass me off to collections which will # XXXX not resolve the insurance matter nor address the erronous issues with my credit nor revese fees ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief