BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-24
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I ordered furniture from XXXX XXXX  XXXX XXXX  using the store card offered through Wells Fargo. The furniture ( 3 piece sectional and coffee table ) was delivered broken and with defects on XX/XX/XXXX. I immediately reported this issue to XXXXXXXX XXXX XXXX XXXX and was told the furniture would be delayed and unavailable until XX/XX/XXXX and that I'd have to call to schedule the delivery on my own since XXXX XXXX  doesn't have a department to handle this. I reached out to Wells Fargo to dispute the charge on my credit card for the sectional and coffee table only. Wells Fargo advises the dispute can take up to 60 days for resolution. When I call back to check the status around the 60 day mark, i was told that they're waiting to receive XXXX XXXX return policy and that they were unable to provide an ETA as it varies and can take 120 days or more. In the interim, I received a letter from Wells Fargo stating they made an error on my credit report. When I checked my report my balance was a zero which dropped my credit score. Prior to me ordering the sectional and coffee table, I ordered a bedroom set which was not in dispute and a balance is still due on that item which should be reflecting a balance on 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 non-monetary relief
Consumer complaint received 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Thank you in advance for your assistance. I have been trying to get this issue resolved with Transunion for some time now. I notified them that some has been trying to open accounts with XXXX XXXX, XXXX, and XXXX in my name. I did not apply for anything. I have attached an identity theft report to have these things deleted.

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 2015-12-16
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
After denying the loan modification appeal, we received XXXX letters from Nationstar on XX/XX/XXXX. In those letters, they offered alternatives to foreclosure and hold ( stop ) the foreclosure scheduled for Monday, XXXX at XXXX. I immediately called Nationstar and spoke with customer service representative named XXXX. We discussed the alternatives, and due to the current situation, we decided to move forward with the Short Sale. XXXX made notes on her system that we were doing the Short Sale and advised us to hire a realtor. We hired a real estate agent to proceed with the short sale and initiated the process on XXXX last week. On Monday our realtor initiated the Short Sale on XXXX and were advised that a short sale negotiator will be assigned shortly. However, Nationstar " changed their mind '' and activated the foreclosure procedure with a short sales process initiated on XXXX denying us the opportunity to move forward with the Short Sale. 

XXXX also offered a One-On-One meeting with a Nationstar representative within the next 14 days ; however, we learned that on Tuesday, XX/XX/XXXX that was denied without communication that to us. 

The fact that we filed for BANKRUPTCY along with the slow and lengthy procedures that XXXX XXXX XXXX and Nationstar delayed the loan modification process and accrued several months of payments and put us a very precarious situation. It seems that now we are being punished for filing bankruptcy and not allowing us to short sale the home. 

It 's important to note that we have NEVER requested a Short Sale before. Our utmost intention was keeping the home but we were left without that that option after the procedures that Nationstar has placed setting us to fail. 

As borrowers, we have the rights to an alternative to foreclosure as established by HAFA. They are not following the proper procedures to get this situation to an orderly close. They are taking short cuts and violating our consumer rights. 

It is important to note that we have called Nationstar every day and more than once. XXXX XXXX XXXX who signed one of the letters was supposed to get back to me on Monday ; however, she is not answering my calls and other customer representatives are being evasive. 

We will highly appreciate your assistance in obtaining a postponement on the foreclosure and we can move forward with the Short Sale which will minimize the financial and emotional impact that a foreclosure will have in our lives. Additionally the Short Sale will benefit Nationstar and the trustee by obtaining a much higher sales price than the foreclosure sale. 

Looking forward to a favorable resolution to this unfortunate situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Experian because my character has been defamed. I demand that these accounts below be removed 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 2022-02-04
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: Account status incorrect

Complaint:
Reporting of credit must be a neutral process, the fact that erroneous information that reflects FICO which financial institutions rely on. There are no delinquent accounts or late payments associated with me. My credit score dropped XXXX points overnight ( XXXX XXXX ) and XXXX XXXX lowered my score by XXXX points based on false data submitted by credit agencies. Based on my XXXX XXXX I believe this is a form of XXXX XXXX and XXXX XXXX XXXX  related to incorrect data. The good to excellent credit score is a gatekeeper to wealth, careers and housing. As a XXXX I have work very hard with integrity to ensure I maintain a minimum score of XXXX. To have it destroyed over false information is suppressive.

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 2023-02-02
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, several fraudulent transactions were made against my Wells Fargo account, totaling in a loss of approximately {$7500.00}. 

Saving Account XXXX : on XX/XX/XXXX, {$7000.00} was transferred from this account to my everyday checking account Savings Account XXXX : the following fraudulent withdrawals were made : Transfer from everyday checking {$620.00} ATM Withdrawal XX/XX/XXXX XXXX XXXX XXXX, XXXX, NC : {$140.00} ATM Withdrawal XX/XX/XXXX XXXX XXXX XXXX, XXXX, NC : {$240.00} Transfer to everyday checking {$620.00} Transfer to everyday checking {$0.00} Transfer to everyday checking {$20.00} Everyday Checking account : Transfer to Savings account XXXX - {$620.00} XXXX XXXX XXXX # XXXX XXXX XXXX XXXX NC - {$1000.00} XXXX XXXX XXXX # XXXX XXXX U XXXX NC - {$2900.00} XXXX XXXX XXXX # XXXX XXXX U XXXX NC - {$2900.00} ATM Withdrawal ATM Withdrawal XX/XX/XXXX XXXX XXXX XXXX, XXXX, NC : {$620.00} Following these transactions, a representative from XXXX called on XX/XX/XXXX to report fraudulent activity. I confirmed that these charges were not authorized and requested they be disputed. They did not close the card as requested. 

My claim has been denied in several instances, as they can not confirm whether I authorized these transactions because they involved entry of a pin number. However, a representative confirmed that they at least had video footage of the person responsible for the ATM transactions and requested I submit a photo of myself, to which they claim they have not yet received, even though I submitted these to a local branch that was responsible for faxing them over to the appropriate parties. Wells Fargo granted me a limited credit of {$620.00} out of the {$7500.00} stolen. Following several decisions denying my claim, they communicated their intent to reverse these temporary funds on XX/XX/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 2023-02-09
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX has sent a medical bill to Trans Union before 6 months by the old law but definitely not following the new law passed XXXX XXXX, which states you have 365-days from when the collection agency ( XXXX ) has received the original debt ( UNC Southern ). XXXX received this debt on XXXX XXXX, the medical treatment was on XXXX. If that is my bill cause I didn't receive an itemized bill from them. XXXX turned that medical debt into all three credit companies, Trans Union, XXXX and XXXX, on XX/XX/2022 that is XXXX months after they received the original debt. TransUnion and XXXX are the only ones reporting this. I've received out but getting no where. This is really affecting me cause I'm in the process of buying a home. I just want my time that by law I'm entitled to. Thanks

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 2022-02-04
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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:
I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed items which I believe were reported in error. 


XXXX XXXXXXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; GXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX XXXX Date of inquiry XXXX XX/XX/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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my research about FCRA 605, 3 credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$420.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$280.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2022-02-04
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2022-12-19
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
State of Florida, Department of Economic Opportunity ( DEO ), thru The Homeowners Assistance Funds program, ( HAF ) is making my monthly mortgage payments to Caliber Home Loans for next six months. 
State of Florida 's special payments unit in XXXX Florida, assured me several times that monthly payments are being sent on the 1st each month to Caliber Home Loans. 
For some unknown reasons, Caliber Home Loans are not crediting such payments on time, therefore I'm incurring in late fees and they are reporting these payments late, to all three credit bureaus, when actually these payments are made on time. 
These Homeowners Assistance Program is a Federally program to assist homeowners to avoid delinquent payments. 
The Homeowners Assistance Fund ( HAF ) confirmed on several occasions that all payments are in fact sent on the first of each and every month. They have no idea as to why Caliber is not crediting payments on time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Bank of America handles card processing for agencies of the XXXX XXXX XXXX 
I made a charge on a card for the XXXX  XXXX. of XXXX in XXXX, XXXX. I didn't think it went through so made a second charge for {$3600.00}. I realized it did go through and immediately issued a refund in the amount of {$3600.00}. I showed my processor, XXXX, that record. 
On XX/XX/XXXX, I was notified the client had filed a dispute and I was being charged {$3600.00} plus a {$15.00} " dispute fee ''. That money was deducted from my XXXX XXXX XXXX XXXX account on XX/XX/XXXX. It has not been replaced as of XX/XX/XXXX. 
I can't get anyone at XXXX to issue a refund and can't find a number to call to discuss this with Bank of America. 
I'm being told they have up to 30 days to resolve the issue and re-imburse me. XXXX is also asking to have access to my banking records, and I declined to give them that access.

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 2023-04-27
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my credit report i have noted some discrepancy on Jefferson Capital Account Number XXXX validation was requested and none was provided. I have not received any correspondence from them only harassing calls. This is not my debt I have never had XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I submitted my application to FedLoan Servicing for the Temporary Expanded Public Service Loan Forgiveness. I completely qualified for the loan based on the bylaws which I have included in this complaint. I qualify because I have made XXXX on time payments to XXXX and XXXX Fed Loan servicers both XXXX subsidized and unsubsidized. I have also been a public school teacher since 2005 full time with no gaps in employment. So i followed the rules : I consolidated my Navient and XXXX loans as indicated in the Temporary Expanded Public Service Forgiveness program, sent in the application, sent verification of my employment and didn't hear anything. I then wrote a letter asking for the status of my application. I was then sent a letter stating that I do not qualify because I have only made 2 payments. THis is totally untrue and I have made over XXXX payments and completely qualify according to all of the printed information on the Temporary Expanded Public Service Loan Forgiveness site. I have included copies of all of the documentation that FedLoan Servicing has been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my credit report i have noted some discrepancy Caine & Weiner INC Account Number XXXX XXXX  validation was requested and none was provided. I have not received any correspondence from them only harassing calls.This is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Law Office of Linda Strumpf
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The law firm of XXXX XXXX, and her partner XXXX XXXX, entered a judgment against me, without verifying if I am even the person they are looking for. 
The judgment cause me to lose my license and my job in now on the line. 
I called the office and spoke to XXXX XXXX, and he verified the last four digits of the person they are suing and its not mine. 
When I asked him to remove the judgment against my name and to send me a letter explaining the have made a mistake, he hung up on me. I called back and now they are not answering. 
I need your help to resolve this issue before I lose my job. 

Thank you

Company response to consumer: Closed with explanation