BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/XXXX received text message at XXXX informing a charge in the amount of {$180.00} with XXXX and {$180.00} with XXXX as well. I am in possession of this credit card and it has not been activated. This is the 3rd time XXXX / Wells Fargo issues a new number and new fraud happens. This time the credit card has been removed from my online profile which doesn't allow to monitor any activity. Wells Fargo repeatedly has been failing on their fraud prevention and clearly has a glitch that allows the fraudsters to obtain the information as soon as a number has been issued.

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 2020-12-15
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: Was not notified of investigation status or results

Complaint:
I've been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$8200.00}, {$7600.00}, {$12000.00}, {$42000.00}, {$13000.00}, {$7200.00}, {$0.00}, {$12000.00}, {$2300.00}, {$5100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7600.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

5. XXXX  CARD SERVICE with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

XXXX. XXXX XXXX CARD SER with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account. 


-- INSTALLMENT LOANS 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my 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 2023-08-09
Company: Mr. Cooper Group Inc.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I found out I have XXXX ( XXXX ) and contacted my mortgage company to find out my pay off price as I will be having alot of Hospital bills and I do not want to get behind in my house payments. They responded and I had to liquidate all my stocks to pay off house and money for bills. I sent them a cashiers check to pay off the house and they just called me and told me that they put my check into an Unsecured Fund instead of paying off my home. They are demanding I send in a house payment and late fees even tho they have the check to pay off house. Plus late fees. They are purposely. holding the check to extort more money from me and I can not spare another house payment my husband and I are on Social Security. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the XXXX  data breach and this may be the way my information got into the wrong hands

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had an issue with Bank of America charging the wrong account when I make a payment. 
My credit card accounts only have ONE pay from account. I have had to delete old accounts at least three times when they have reappeared. 
On XX/XX/XXXX - I made my regular payment.

On XX/XX/XXXX - I logged into my bank account and there was a note that Bank Of America attempted to withdraw from my spending account. This was previously the account that I had the XXXX  money withdrawn from - but deleted it from my profile. I then resubmitted the withdraw and confirmed it was from the correct account. 
On XX/XX/XXXX I was charged {$27.00} for a " returned check fee '' - even though it was not a check. 

This has happened several times and I have confirmed that all other pay from accounts are currently deleted. A customer service rep told me last year that this happens when their system is upgraded and it pulls back in old accounts.

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 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.

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 2020-02-20
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
the apartment sued me claiming l didnt pay the rent which l paid, at the court they withdrew the case and the judge dismiss the case only to ask me to vacate the premise and they had me in collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have applied for a mortgage modification as well as a forbearance but was declined on the forebearance without a listed reason why. My loan is owned by XXXX XXXX and from my understanding Im allowed a forebarance for XXXX days and then can apply for an extension of XXXX Days. This company will not Talk to me and will not note my account. They have locked me out Of my online account because I submitted a request for a supervisor to look at My account. We were in a modification and got Laid off due to Covid amd they have tried to foreclose on us and forced us into a bankruptcy that we didnt need in order To save our home. They are XXXX XXXX who do not care at all that we have XXXX children and all of our money tied into this loan. I need help and need it fast so these people will be forced to follow the law and the options we are allowed to and governed by.

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 2020-12-15
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, we received a letter from Credit Management in XXXX, TX dated XX/XX/2020. The letter claimed that we owed XXXX XXXX {$260.00}, but we have never been an XXXX XXXX customer. We would appreciate your help.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I tried to dispute a charge with Chime Financial services on Wednesday, XX/XX/XXXX. I contacted chime about an unauthorized transaction in the amount of {$46.00} charged by the app XXXX. I explained that was an unauthorized transaction. I do not use the service and the app charged me without notification. I explained that to chime representatives. I was informed it was denied because of an error. I was denied and investigation causing me to lose {$46.00} at no fault of my own. Chimes practices are very sketchy and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was in the process of buying a home but when my loan officer checked my credit they told me I had a collection on my report. I said collection? You got ta be kidding me! Then he told me it was some kind of a medical bill. So I looked up my credit report and saw that it was from some company called XXXX or XXXX XXXX and I'm telling you that I have never had any services from these people so I disputed it online. The bureaus so far have refused to delete it which I have no idea why. I also got a response from XXXX with 3 bills, all of which said that I did not owe them anything so why are they on my credit report? I don't even recognize the doctor 's name or the date of services listed as I never had these services and I think either someone used my identity to get these medical services or they incorrectly billed me for someone else 's treatment. This account has lowered my score almost 100 points and is preventing me from buying a house. I need it off my credit ASAP or I am going to get a lawyer and sue everyone involved.

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 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I never authorized anyone to put negative reports on my credit - some cards are on there that I paid cash to open and have balances that are incorrect and should state that those cards were only open using my money and never got an increase so I should not be behind them or owe anyone when it was my money to begin with All negativity on my credit should not be in there and its personal because I should never be in debt to anyone that should be indebted to me as a human and person with the same rights as anyone else

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 2023-10-07
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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. XXXX, Equifax and XXXX 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 account 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 account below : XXXX XXXX Balance Owed : {$7900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
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 fraud alerts or security freezes

Complaint:
I tried to log into the Trans Union system to initiate a credit freeze using the correct password and id. It immediately locked my account. It took several calls spread over several hours to get this corrected. They have a lame phone system that takes all your personal information while trying to redirect you to a chat system when you want to talk to a human. Once you get to the human, you have to repeat all the ID information again. 
It turns out that the problem was that Trans Union does not handle VPN connections properly. VPN is a good safe way to be protected from spies and hackers. Why can't Trans Union accomdate that?

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 2023-01-16
Company: Experian Information Solutions Inc.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-09
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is my second complaint I am filing with the CFPB against Wells Fargo related to the current CFPB fine and settlement regarding denying Wells Fargo mortgage customers loan modifications and the financial harm and repercussions thus associated. 

Wells Fargo closed my first CFPB complaint saying they now need the following four items per a XXXX   delivered letter I received in the mail from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. Please provide the complete customer name on the account. 
XXXX. Please provide the complete account number. 
XXXX. The recorded Security Instrument and all assignments. 
XXXX. Copy of the complete credit report about the open lien. 

I called and spoke with XXXX on Tuesday, XX/XX/2023 at ( XXXX ) XXXX and she gave me the run around saying once again that based on my Name, Property Address of the Mortgage and SSN Wells Fargo could not find my account because it has been purged. She then said I would need a copy of the Deed of Trust, Security Instrument and Credit Report so they could locate my account. 

The following day I paid for a copy of the Deed of Trust notating my Account Number and Security Instrument number. I also pulled my Credit Report. 

This morning, Thursday, XX/XX/XXXX I called XXXX XXXX to provide her again with my Complete Customer Name on the Account and all other requested information. She said I would need to mail or fax them, she does not accept email. In fact her entire department does not accept email from outside of Wells Fargo. 

So, I went ahead and paid money out of pocket to fax her the documents at her confirmed fax number ( XXXX ) XXXX this morning. I asked when I would hear back and she said once the Deed of Trust was received, she would open a new investigation and it would most likely be assigned to a new case XXXX. 

So, once again I am bearing the burden of proof and given the complete run around as to proving I indeed had a mortgage account with Wells Fargo and qualify for the settlement.

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 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.

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 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was using XXXX and moved out of address. I was going to pay the bill to XXXX and then a month too late they gave this debt to helvey so i contacted helvey today that i want all derogatory stuff all credit file in exchange for the XXXX paid in full today and they refused to help me do that i called XXXX back and offered the XXXX if they would remove all derogatory XXXX and they said it is too late to pay them directlyt so i want to pay this XXXX today cash and only if they remove my collections and late and all negative remarks all bureaus ..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation