BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was unwittingly tricked into transferring money thru XXXX to XXXX a trusted company! I spoke with just about everyone to resolve and no one helped me. I just started my own business and they scared me into to turning off my service! With customers at the shop I couldnt afford that! Please understand me during this difficult and crazy time being a XXXX XXXX XXXX!! Now that Ive complained XXXX has added XXXX New pop ups reassuring transactions being made! Reassuring that the person that is receiving the money is signed up for the program!! This is not fair to me! I have recent pics of new changes if needed

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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX XXXX  XXXX Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXXXXXX 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 2022-10-18
Company: Affirm Holdings, Inc
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I have purchased queen Mattress from XXXX XXXX and used Affirm ( my complaint is against ) to finance this purchase. I am disputing the resolution that affirm put on my XXXX credit report that my account is delinquent. I have purchased this in XX/XX/XXXX and it comes with XXXX nights warranty. We didn't like the product after using it for 30 days and were trying to return it to XXXX XXXX. Upon trying to return this, we found that XXXX XXXX  is no longer in business from XX/XX/XXXX. We communicated this to affirm via phone in XXXX and XX/XX/XXXX and we received the confirmation email ( attached ) from them saying they can't do anything as XXXX XXXX  is out of business. I requested affirm to contact XXXX XXXX  on behalf of me and they said they can't find anyone to talk to. I only felt confident to purchase this mattress with XXXX XXXX  as they partnered with Affirm, who I felt were a reputed company and provided me lot of confidence. Now I am struck with a mattress that I don't need and is providing bad back problems for me and wife. I am reaching out via CBFP to seek justice for me on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint goes back to 2010 when Wells Fargo wrongfully denied me for a loan modification on my XXXX XXXX owned loan. I have spent the last 10 years seeking an explanation and resolution from Wells Fargo. At the time of the request for a loan modification I was paying my own escrow and I was only paying the principle and interest to Wells Fargo ( PI ). When Wells Fargo reviewed my application it used the current PI and compared the payment to a full PITI ( principal, interest, taxes and insurance ) payment. Wells Fargo clearly committed an error in denying me my application for a modification by stating that the proposed modified payment would be greater than the current payment. This statement is false and based on faulty numbers. As is evidenced by the attachments, Wells Fargo refuses to admit it committed an error. Wells Fargo has changed the reason ( s ) for denials for modification in every letter it has issued. WF wants to claim no harm no foul because I was able to eventually secure a refinance. However, that does not take away from the fact that Well Fargo 's numbers were wrong. It appears to be a flaw in Wells Fargo 's software utilized in reviewing a loan modification. Wells Fargo incorrectly relied on current payment, even if only PI to compare a modified payment which was PITI. This mistake could have far reaching ramifications in that thousands of borrowers could have lost their homes due to the use of incorrect numbers. On top of Wells Fargo 's mistake in utilizing incorrect numbers to determine PITI, it to date falsely claims that XXXX XXXX never approved me for a loan modification when in fact XXXX XXXX did approve me for a standard modification. I have had several conversations with XXXX XXXX directly where I was informed I was in fact approved and they even supplied me with the terms I was approved for. Wells Fargo claims XXXX XXXX was incorrect in stating I was approved and claims that XXXX XXXX used the wrong numbers ( numbers which they refuse to give me ). Now WF is claiming that XXXX XXXX never approved me. In typical fashion, WF changes its reason for denial as it sees fit not based on what actually occurred. WF is now stating it does not have the XXXX inputs it utilized in determining that I was denied yet WF is refusing to provide XXXX inputs claiming it doesn't have them which is false. WF has the numbers because it stated in a recent email what the proposed modified payment would be. Wells Fargo is lying.

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 2023-03-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am contacting you because I am concerned about the accuracy and honestys of your companys data. As per FCRA section 611, we must have accurate records on the file with those who rely upon them most, including customers and potential lenders and employers. 


I would appreciate it if you could take care of any names listed incorrectly in your database. My name is XXXX XXXX if you have anything in your system that is different from what I have just mentioned, then delete them immediately. 

I need you to delete any old addresses in your system that varies XXXX XXXX XXXX XXXX North Carolina XXXX. It will ensure the database has accurate information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: EQUIFAX, INC.
State: GA
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:
XXXX, Equifax and XXXX allowed XXXX XXXX report an account to my credit without debt validation. XXXX XXXX is fraudulently working with XXXX XXXX for managing this account. Per Resurgent Capital this account will not be reported to any of my credit file until I receive the requested information that I requested from all parties doing the 30 day debt validation process. Resurgent Capital replied back to The consumer financial protection bureau with a letter stating nothing is reporting on XXXX XXXX credit file and it will not report until they furnish me with all the info I requested l. I am not sure what games these two companies are playing but I will be filing a lawsuit against them for violating my rights under the Fair Credit Reporting Act. This debt was not fully verified so I will be suing both company XXXX XXXX and XXXX XXXX. I already reached out to my attorney about this issue. I attached the letter from XXXX XXXX whos managing this account but XXXX funding is reporting to the credit bureaus. Something is fishy and stinks in the water but Ill let the judge get to the bottom of it. I will be suing for punitive damages, XXXX XXXX XXXX. Im a veteran and dealing with this fraudulent activity from both company XXXX XXXX and XXXX XXXX. They both need to be shut down and investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Continental Finance Company, LLC
State: FL
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:
This matter was previously filed with CFPB and settled with the company. Nevertheless, the company may not have appropriately updated the files as I am still getting harassing collection calls from the company demanding the balance due. Customer Service also says they have no record of this in there system. 

There is no balance due. The company XXXX out the small balance in good faith and the matter was settled. 

The letter provided from Continental Finance is attached as verification.

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 2022-12-25
Company: NAVY FEDERAL CREDIT UNION
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had recently been notified that my personal information had been leaked by XXXX, which then prompted me to check my persons credit report during the last week of XXXX and noticed that there were several in accuracies revolving around my Navy Federal Credit Union loan and credit card. More specifically the payment history reported to XXXX and XXXX. There were also issues regarding the status of the account at the time of me checking end of XXXX. I attempted to dispute these inaccuracies through XXXX and XXXX but had no success in having the issue resolved. I recently filed another dispute in a last attempt to have these issues resolved. My credit report in accurately shows that I have no accounts and no payment history. Essentially dropping my score well below what is acceptable to get access to necessities associated with me achieving life and liberty. I hope that this complaint can aid in provoking the speedy remedy of this injury to my persons in regard to this credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: Stuart-Lippman and Associates, 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:
XXXX XXXX credit card is on my credit card, I have contact all three credit bureaus about this, it has been over XXXX, I have not received a response..this account do not belongs to me, I did not open this account..I don't sign any agreement to have this account open in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Experian Information Solutions 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:
i have submitted multiple disputes to the 3 credit bureaus as well as XXXX XXXX and they just come back verified ... how did they all conduct proper investigations when all of most of the information is inconsistent across all 3 bureaus reporting? they didnt conduct a proper investigation ... i am attaching a snip of my 3 bureau report as well as a few of the letters i sent ... .they are in violation and i need this deleted now ... they are reporting different balances, different highh credit, different credit limits, different past dues, it has been re-agaged, and take a look at that inconsistent 2 year history ....

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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting 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:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. FAIR COLLECTIONS AND OUT XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. i have no knowledge of these above accounts and/or i believe these account were open without my permission. some of these accounts also are reported wrong and should 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 non-monetary relief
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: MA
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: U.S. BANCORP
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/, I received an email from XXXX XXXX of XXXX XXXX XXXX, stating that they would AUTO-renew and charge against my account in the amount of {$260.00}. I had never heard of this company. I called their number to make sure they wouldn't charge me. The person I talked to said that a XXXX XXXX from XXXX XXXX, California was using my ip address to remove funds from my bank account. He asked me to open my account. When I did, he drained my checking and savings account using XXXX, in the amount of {$2600.00}. I immediately called my bank to report this. A fraud claim was filed. I received letters from US Bank Digital Claims Services dated XX/XX/. 
Without ever contacting me for information on this " investigation '', they " determined the transaction posted as requested ". and was denied. When I took this to a customer representative, XXXX, at US Bank, she connected with XXXX in their fraud department via telephone and they both determined that the initial claim report was not filed properly. They resubmitted it. The letters I then received from US Bank Digital Claims Services on XXXX XXXX XXXX, stated, " we determined this is a duplicate claim. Your claim has been denied. '' I have attempted many times to talk to them on the phone but could never get any information or the opportunity to tell what actually happened and that I did not authorize these transactions.

I have reported this theft to the Police Department. They sent an officer to my home to talk to me and file an investigative report.

I have asked US Bank Digital Claims Services to send the documents used in their investigation, which is told in their letters I could request, but they never sent them. They said I would need to get a subpoena. ( I didn't understand who was supposed to get the subpoena ).

The name on my bank statement of the recipient of the stolen funds is 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 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX has failed to send out consistent payment reminders. They claim that they did their due diligence to reach out but I do not receive any correspondence. They claim to have sent out letters but we do not receive written correspondence. They have different emails on file and none of them are correct. They also call from unknown numbers that are marked as spam and do not leave any voicemails, therefore I never know who is calling me and for what reason. They also have it documented that they do not leave voicemails when I call and I have been told in the past that they are not permitted to do so. 

My credit score, and the credit score of my co-signer, has dropped significantly due to XXXX reporting late payments. But I am unsure how they expect payments to be made if they are not sending out notices to the proper sources of contact and are not leaving any sort of voicemail correspondence. We spoke with them as of Wednesday, XX/XX/XXXX, and they have claimed that they did their due diligence to reach out but this is highly inaccurate as every ounce of information is wrong. 

In addition, an agent from one of the calls made on Wednesday offered to send information via email to file a dispute through a credit union. It is now Saturday and that email has still not been received. I called twice Thursday to follow up. Thursday morning at XXXX XXXX I was told that they will be sending it to an email that should not be on file - I asked them to change the email and they said that would be a 24-48 hour process to change it and then another 1-2 hours to send out the email with dispute information. I said to leave the email as is so I could just get the dispute information. I called again on Thursday at XXXX XXXX as information still has not been received. I was told that this was due to not being signed up for email notices ( no one mentioned this to me in the last two calls ) and that they would set that specific email up for it. I was supposed to receive an email within a half hour from that call confirming some setting changes and then the dispute email in another 1-2 hours. It is Saturday morning and I still have not received that information. I will be calling again Monday morning as soon as they are available and will have to call every two hours if the email isnt received.

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 2018-09-13
Company: Premier Student Loan Center
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
One of my friends told me about a company, Premier Student Loan Center, that completes your student loan forgiveness documentations for you. I contacted them about their service on XX/XX/2018. I was told that the company was a document preparation company and that is why I had to pay for the service to be done. On XX/XX/2018, I paid the first installment of {$190.00}. I paid the same amount on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. On XX/XX/2018, I was charged an automatic payment of {$190.00}. On XX/XX/XXXX, I was charged {$40.00} for the Income Driven Loan Forgiveness that I was told that I was signed up for. All in all, I have paid {$1100.00} towards my installment for the program and {$40.00} to the program that was supposed to be for my student loans.The red flag that made me question their services was when I checked directly with the XXXX XXXX XXXX XXXX as to why my payments to them were {$0.00} yet I was paying {$40.00} towards my loans. The representative said that the company was most likely a scam and they falsify documents so that my monthly payments are {$0.00} yet I am paying them and making it seem as though it is going towards my loans when it isn't. The representative said I could be penalized individually and possibly receive jail time or not have my loans forgiven period as a result of dealing with this company. They lied about my personal information for lower payments saying that I have 5 children, I am divorced, receiving government assistance, etc. I have no children. I have never been married. I do not receive any form of government assistance. They lied so that my documents would seem as though I could not afford any monthly payments. The paperwork that I signed with them initially stated that they would provide complete and truthful information which was a lie. They also stated that they have a limited money back guarantee being that I can get my money back since the documents were inaccurate. As of today, XX/XX/2018, I am calling my bank so that they revoke authorization of further monthly payments and working to get my money back. I have already applied for the forgiveness program the correct way with accurate information and I am waiting to be contacted by them. I just don't want anyone else to get caught up by this company that is once again called Premier Student Loan Center.

Company response to consumer: Closed with monetary relief