BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-15
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit 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:
I ordered 60 lawn chair repair straps and matching clips, 10 extra clips and 2 cans of paint from XXXX XXXXXXXX XXXX XXXX XXXX on or about XX/XX/, for a cost of {$160.00} ( which included {$33.00} XXXX XXXX XXXX. ) They acknowledged the order. I followed up with them by their online chat service, by email, by text messages and by FAX, asking if they were going to fulfill the order. All I received was a single phone voicemail with some kind of apology. Eventually, the company sent one single strap, the ten additional clips, and the two cans of paint I disputed the charge with my bank, Wells Fargo. I provided Wells Fargo with a full documentation of all my efforts to get my order. Wells Fargo contacted the company, which responded by falsely stating that THEY had tried to contact ME about the length of the straps, but in their response they not only admitted they never sent the remaining 59 straps, but they included a copy of the invoice which has MY comments stating that I -- not they -- I had tried to contact them many times about the length of the straps, thereby disproving in their own evidence their false claim to my bank. The company provided no other evidence they had done anything to contact me, though they surely have copies of their own chats, wherein I repeatedly tried to contact them and confirm the length of the straps. Since I have received part of the order -- though the paint is useless without the straps -- I offered to compromise and reduce the disputed amount by the cost of the paint ( {$16.00} ) but not the {$33.00} in shipping for the whole order. Wells Fargo conceded on the phone it was obvious the company had not sent the ordered straps, and that my comments on the company invoice, as well as a shred of supporting documentation to back up their assertion that they tried to contact me, as well as my comments on their own invoice, showed the company was at fault for not sending the remainder of the order. Despite all this, Wells Fargo has now denied by disupte, says the COMPANY has accepted {$140.00} -- the cost of all the straps ( {$100.00} ), which they never sent ) and the entire shipping and handling cost ( {$33.00}, even though all they sent was 2 cans of paint, 1 strap and ten tiny clips ). Wells Fargo thus has denied my dispute and refuses to provide any appeal or redress. They reached the exact opposite result, despite a complete absence of evidence in the company 's favor, and won't do a thing to fix their mistake.

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 2015-10-24
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I have had an account with Nationstar since XXXX sold it to them in XXXX XXXX 2015. First it took almost 6 months to report my credit. Then when they finally did it was wrong. I e-mailed them sending them documentation from XXXX for corrections.They would correct XXXX thing then report something else wrong. This went on thru-out these first 10 months. I would dispute items thru all XXXX CRA 's and they would say they were reporting correctly. Even the CRAs got the documentation.In the meantime they were e-mailing me and sending me letters to refinance with them ... I truly believe they are trying to maliciously hurt my credit so I can not go to any other bank ... Let me re-phrase that I know they are trying to hurt my credit ... Finally they corrected all the mistakes then they showed the account as Tranfer or sold. In doing so they knew very well that if they report the account as tranfered or sold that it would go to a closed status ... This is malicious and with intent to harm, hurt, mislead, and destroy my credit standing ... It is plain out defamation and slander.I called them to find out if they had sold my account they said they had not. I verified ... I called XXXX, XXXX, And asked them why my Nationstar mortgage is no longer being reported as open.. They told me when it is transfered or sold the account goes to Closed acct. As of XXXX XXXX 2015 I printed off The documents from XXXX and XXXX showing that it is reported as closed..with a XXXX ( XXXX ) balance and showing as tranfer or sold. I called again Nationstar and requested a document ... Which is in this complaint ... They are saying That they checked the CRAs and it is reporting as Opened and in good standing ... That is a bald faced lie.. This bank has cause my credit to drop XXXX points ... They " as stated in there letter '' will not do anything else to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I XXXX XXXX XXXX : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-29
Company: TD BANK US HOLDING COMPANY
State: NY
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:
On XX/XX/2022, a charge was made for {$2600.00}. I never received the product and I called the company to file a complaint. The representative told me that they will credit my account. Then I received my credit card statement from XX/XX/XXXX to XX/XX/2022, and the charge was on the statement. I called the company back and they told me that I must go to the police station to file a complaint. I did not file a complaint with the police because I didn't know what to file. Now my credit score has been adversely impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: DISCOVER BANK
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: Account status incorrect

Complaint:
The original owner od this card is my husband since XXXX, im not really sure the the year he put me as an authorized user only. He never ever put me as a secondary on any of his card. Late last year XXXX he just found out that the credit card company decided to put me as secondary without his and my knowledge i consider this as fraud. He was so upset and arguing with them that he didnt autorized it, my wife ( me ) doesnt work no incoome at all. I quit my job since my husband became XXXX and unable to work. He was so sick, he passed XX/XX/XXXX. When i reported to the company that my husband passed then the company put me as Primary account holder for {$14000.00} with the minimum payment of {$2100.00}. I dont have that kind of money im a senior depending on my social security for {$1900.00} and some cents. i have to pay my mortgage and my utilities and food and gas everything is high in prices. Please help me this givving me XXXX and my XXXX  im XXXX XXXX XXXX this year. Please i really need your help. I referred to you by the office of the Attorney General. I have getting letter that they will sue me or submit to the credit bureau to collect the full amount. My husband XXXX percent XXXX, when he passed all his benefits stop and he did not leave any estate. XXXX percent of the charges are my husband. I really appreciate your help. I called and talked to them but the wont consider anything, last month i pait  {$50.00} thats all i can afford but they accepted the payment. I just got the new statement with the minimun payment for {$2100.00} Yours Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Waypoint Resource Group, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It appears that my information was used to open a XXXX cell phone account on or around XX/XX/2022. I have had the same XXXX account for over a decade and have never used XXXX for anything. They used my name and my parents ' home address to open this account. I did not have any knowledge of this until a debt collector called me asking for the money owed on the account. I of course declined and proceeded to call XXXX to inquire about the matter. XXXX would not give me any information on the account as I did not have the password or pin associated because it was created fraudulently. I then proceeded to attempt to file a police report in the jurisdiction where I believe the crime took place XXXX XXXXXXXX XXXX  ), but I was told that since I now live in Virginia, they would not file a report. A few weeks later ( between XX/XX/XXXX and XX/XX/XXXX according to my credit report ), the debt hit my credit report and dropped it XXXX points. The collection agency is listed as " Receivables Performance ''. This is a major setback, as these derogatory marks usually last for years, and I am trying to purchase an engagement ring and my first house in the next couple years. At this point I feel very helpless and that there is nothing I can do to address this situation. I have since received the bills that were mailed to my parents ' house and included them in the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX is a paid account and is old. This account shouldn't be reporting on my credit as it is XXXX XXXX XXXX. Please remove this account from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The Credit Bureaus have failed to investigate my dispute of false information reported on my consumer profile. I have sent written notices disputing both the debt with the original creditor ( XXXX XXXX XXXX  ) as well as the collection agency who has purchased the debt ( XXXX XXXX XXXX  ). I do not owe either the original creditor or the collection agency who has been attempting to collect this debt from me. The original account was not authorized by me and when I filed disputes the Credit Bureaus did nothing, eventually the account charged off and now the collection agency is ruining my credit history by reporting this information. Furthermore, the credit Bureaus were notified of this dispute, but my account remains unmarked with any dispute status. This is a violation of my consumer rights under the FCRA and FCDPA. I have the right to an accurate and true credit profile. My complaint is against the Credit Bureaus for their failure to investigate. I have filed additional complaints with the FTC, see attachment for reference.

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 2023-10-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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:
STUDENT LOAN : ALL DEPT OF XXXX/ ED In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code $ 1681c-2 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antidotes the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I demand the collections be removed from my account 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 explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Equifax data breach settlement. 

I was a target for this data breach. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We live in a condo and in our Association fees we pay for insurance coverage, including wind mitigation for external and internal. Our Lender, Freedom Mortgage, is claiming the wind policy excludes for improvement/betterment and are forcing us to pay an additional $ XXXX for a policy through them. I have sent them all of the documents, proving there are no exclusions in the policy, and that, in the circumstance there is damage to property outside and inside, regardless of renovations, the property is covered. They do nothing but send the exact same response. Also noted, our Association has had the same coverage since we moved in XX/XX/2018 and the Lender approved this policy as valid coverage for previous years.

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 2023-11-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$490.00} ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: PNC Bank N.A.
State: WI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
In XXXX HELOC loan was acquired at National city bank. PNC bank took over National city bank and took over HELOC loan. Loan was paid off in XXXX and was requested to be closed. As the account was closed in XXXX PNC failed to provide a satisfaction letter to XXXX XXXX Wisconsin in the required 30 days. 
PNC was contacted on XXXX requesting the satisfaction letter be sent out as it was past due. After many phone calls and e mails that show entire details the satisfaction letter was reordered on XX/XX/XXXX. 
PNC is in the process of drafting a letter with a complete review of the failure to complete the task that was required to be completed within 30 days. Was advised today that it will take 30 days to receive the letter.

Company response to consumer: Closed with explanation