BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
The payment for my car is expensive and I dont understand why its so high. Im paying {$400.00} a month and my last car I was paying {$180.00} and it was the same exact car and year.

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 2022-10-22
Company: EQUIFAX, 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:
I filed a dispute with equifax/XXXX  on XX/XX/XXXX to close and remove the account for the department of education XXXX XXXX updated the account, but Equifax still has an open account on their report. I called the department of education and they sent me a letter and confirmed to me all accounts have been paid and closed. The department of education says they have a record that Equifax reached out to them and they told them my account is closed. It has been over 45 days and Equifax still has the open account on my record. The Equifax score is XXXX points lower than the XXXX score. Equifax is currently blocking me from locking in an interest rate. Equifax is unfairly keeping my score low when the other credit reporting agencies show a higher score. Equifax says they didnt receive a response from the department of education XXXX but when I called there department of education they confirmed they told Equifax my accounts were closed. Equifax has taken well over 45 days and they still havent resolved my issue. I need to close my house in a month and they have blocked my ability to do that

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I made payments on this card in XX/XX/XXXX & XX/XX/XXXX without realizing I have never use the card or should I say, had the opportunity to use the card. 

Any charges on this card are UNAUTHORIZED!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: SYNCHRONY FINANCIAL
State: MI
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:
XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX Care Credit Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX RE XXXX XXXX XXXX XXXX HAIR LOSS EXPERT Credit my account with {$2200.00}. This is fraud. I do not care what they are saying. I have used your credit card in the past for my dental with no problems. The customer is always right and should be respected. 

The process is unfair. It is also unclear. I made one appointment on Thursday, XX/XX/2022. When I left the office, a day later I noticed the office generated a host of appointments for the entire fees charged. Without even consulting me and my schedule. XXXX. 

My Care Credit account was charged the full amount of {$4000.00}. XXXX consultation. XXXX me {$2200.00} after credit. No treatment just appointments. It was mentioned the products. 

The cancellation policy was not stated in the beginning. It is not included in the initial paperwork. I have attached the original document. The appointments were in the XXXX. I have included in the attachment. 

My current balance is {$3400.00} of that I only owe {$1100.00}. The {$2200.00} is still XXXX XXXX responsibility. I have been so disappointed with this situation. I have place Care Credit out of my thoughts. I have worked hard to maintain my credit. As a result, I have incurred late fees. 

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 explanation
Consumer complaint received 2023-03-01
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Nationstar services the second trust deed on this home. I have requested a payoff multiple times and Nationstar states they do not service the loan or find it in their system. Nationstar needs to find the loan and send me a payoff or send me a lien release so I can close escrow on the sale of my home. If someone at Nationstar would just do their job and look at the facts and see that Nationstar took over the service of the loan only a few short months ago, I wouldn't have to file a complaint with the CFPB to pay them money. Unbelievable. Please deal with my real estate broker, XXXX XXXX, at XXXX and phone # XXXX. He has asked you for this repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: MD
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:
IVE BEEN A VICTIM OF IDENTITY THEFT SOMEONE WHO STOLEN MY IDENTITY APPLIED FOR CREDIT CARDS THAT IVE NEVER AUTHORIZED IVE REPORTED THIS TO THE FEDERAL TRADE COMISSION AND I DID A POLICE REPORT AND THE FRAUDULENT INQUIRY ARE LISTED BELOW XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXXXXXX  Inquired on XX/XX/2022 XXXX XXXX XXXX  Inquired on XX/XX/2022 XXXX  Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: AmeriCash Holding LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I had unauthorized charges in my account at the bank and that put me in a bind. I tried to explain to Americash. I contacted XXXX and they sent two letters to Americash - one on XX/XX/XXXX and another on XX/XX/XXXX. Please see attached. Americash is still contacting me and harassing me even though they were advised numerous times to cease and desist. I have given them XXXX information as well. ( Please see attached. ) They are supposed to contact XXXX if they have any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: SYNCHRONY FINANCIAL
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX Bank 's name : Synchrony Bank XXXX XXXX. XXXX  XXXX XXXX, FL XXXX XXXX. TJX Rewards Platinum Master card XXXX ( old card No. ), XXXX ( new card No. ) Some one unauthorized use my credit card XXXX XXXX XXXX XXXX ( old card ) for 11 transactions in the period of XX/XX/XXXX - XX/XX/XXXX for the amount {$810.00}. I called the bank and they issued me a new card No. XXXX XXXX XXXX XXXX and transfered the balance for those unauthorized usage and interests, However, they only gave me the credit for 3 transactions in the amount of {$220.00} and keep on charging me interests for the unauthorized usage on my card. 

I called them and sent certified mail but up today they did not honor the full credit but bit around the bush when I called. Finally XX/XX/XXXX they sent me a letter and approved but up day they still did not credit back {$1100.00} in full that include the amount of unauthorized usage and interests charge for the unauthorized usage. 

This matter has been over 11 months, Thanks for your help. 

XXXX 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 monetary relief
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX XXXX  is reporting several late mortgage payments during XXXX. I was in process of a modification and had been informed that payments would not be reported during the time in which the modification was in process. I have had my mortgage since XXXX and there were never any late payments. 

I've had issues with XXXX XXXX XXXXXXXX before and will be looking to refinance my home when interest rates drop again. I find XXXX  XXXX XXXX to use deceptive practices with some of their customers. 

Again, today I contacted XXXX  XXXX XXXX and again requested that the late payments from XXXX be deleted because they harm my credit rating and because I was in the modification process. 

A representative informed me she would forward my information to a manager of the credit reporting department, but I have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Every month this year I have disputed old information name spelled wrong as well as affidavit of truth to go along with fraud Inquiries nothing has been done. And I dont know what else to do! Im so frustrated and Im not sure what needs to be done but I need help immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Ive been trying to open an account with Capital One for quite some time but they claim I already have an account which is false and no representative can fix this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-04-25
Company: COLUMBIA BANKING SYSTEM, INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I acquired a commercial vehicle from XXXX XXXX XXXX XXXX on XX/XX/21 that was financed by Financial Pacific Leasing. In the lead up to the sale, XXXX passed me onto two separate brokers that were responsible for executing the contract. The brokers, XXXX XXXX and XXXX XXXX XXXX XXXX did not fully explain the terms of the agreement. Several months after I took possession of the vehicle, I learned that I 1 ) signed a " Equipment Finance Agreement '' and 2 ) despite acquiring the truck for {$79.00}, xxx I owed {$120.00}, xxx on day one. The brokers only showed me the monthly payments but did illustrate how interest is packed into the loan up front. At this point, my business has collapsed ( along with thousands of other small trucking businesses ) and I am trying to negotiate a buyout with Financial Pacific Leasing. I have paid more than {$28000.00} towards the loan yet they are demanding a settlement in the amount of {$75000.00} to settle the contract. My complaint is no different from those mentioned in a class action lawsuit against Financial Pacific 's parent company as well as a number of consumers who have levied complaints to the XXXX  since the beginning of the year. Over the last weeks, I have worked tirelessly to reach a settlement with Financial Pacific but to no avail. I believe that the process was not transparent, and I am calling on Financial Pacific to come to a fair, amicable, and just resolution.

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 2022-11-11
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In aqccordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  '' : account # XXXX, has violated my rights. 15 U.S.C. 1681 section 602A, states that i have a right to privacy. 15 U.S.C. 1681 section 604A, section 2 : it also states that a consumer reporting agency can not furnish my account information without my written instructions and consent.

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 2022-11-11
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In aqccordance with the Fair Credit Reporting Act XXXX, " XXXX XXXXXXXX XXXX '' : account # XXXX, has violated my rights. 15 U.S.C. 1681 section 602A, states that i have a right to privacy. 15 U.S.C. 1681 section 604A, section 2 : it also states that a consumer reporting agency can not furnish my account information without my written instructions and consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 166B : A creditor may not treat a payment on a credit card or car loan account under an open end consumer credit plan as late for no purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: OH
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$5700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: MS
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:
Under consumer law 15 usc 1681c 2 which states : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Your company has not removed the inquiry before the allowed time, which is a violation. 

Be mindful that according to 15 usc 1681n which states : Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Also under consumer law 15 usc 1681o which states : Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I would also like to remind you the out some of the Miller v. XXXX case that was settled for {$18.00} million in damages.

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 2023-02-28
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
My name is XXXX XXXX and I am writing to you today to file a complaint against Navient. I called Navient at XXXX XXXX  on Tuesday, XX/XX/XXXX. The purpose of my call was to notify Navient that I am invoking a defense to repayment of the loans because the school I attended, XXXX  XXXX XXXX XXXX XXXX XXXX ( XXXX ), defrauded me and for this reason I will no longer be making payments on my private student loans. 

The response I received from the Navient customer service representative when I called was unfortunately, there is no way to really dispute that here.. So unfortunately youll still have to pay on these loans here. The Navient representative clearly denied there is a process. I sent a written summary of this call by email to the general Navient account as well as to the Navient office of the customer advocate. I received a response from the office of the customer advocate dated XX/XX/2023. ( I have attached a copy ). In this letter, the customer advocate XXXX XXXX explained, among other statements, that there is no discharge program available at this time for students who claim a defense to repay a private loan due to misinformation or the quality of education they received at their school. I believe there is a problem with this response and there should be a process for providing me with more information and relief. Further, since making this call, Navient has been calling me repeatedly day and night. Navient has also sent written communications, including friendly reminders that my payment is due even though I am raising a defense to repayment. 

Having attended XXXX has left me with significant debt and a worthless degree, leading among other harms to financial distress and limited career opportunities. Attending this school did not provide me with a quality education or necessary credentials, leading to difficulty in obtaining jobs and has made it impossible for me to advance in life like a typical XXXX yr old. I have not been able to buy a home or rent an apt without a cosigner. The emotional toll this whole ordeal has caused my family and I is inexcusable.

Company response to consumer: Closed with explanation