BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
TransUnion has failed to send dispute results and is reporting the following items inaccurately ( see below ). This violates the FCRA. I have included information to update my address. 

ACCOUNTS XXXX  XXXX not mine XXXX  XXXX XXXX not mine US DEPT ED XXXX not mine US DEPT ED *XXXX not mine USD/XXXX XXXX not mine COLLECTIONS 10 XXXX XXXX XXXX {$110.00} not mine XXXX  XXXX/XXXX  XXXX {$380.00} not mine XXXX  XXXX/XXXX  XXXX {$490.00} not mine XXXX not mine 07 XXXX  XXXX  XXXX  XXXX {$13000.00} not mine 07 XXXX   XXXX  XXXX  XXXX {$77000.00} not mine 01 XXXX  XXXX XXXX XXXX {$1500.00} not mine XXXX XXXX/XXXX   XXXX {$220.00} not mine

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was froze and later depleted in XXXX and XXXX of 2022, .I 've tried to fix it straight forward with this company but have gotten nowhere..

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 2020-03-12
Company: Experian Information Solutions 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:
There is a 30-day late payment reporting on my credit card for the month of XXXX. This information is not correct. I was a victim of identity theft on the account I had set to auto-pay and it was closed due to fraud. I have an FTC affidavit for identity theft related to this issue as well. The new account I used to pay was entered wrong by somebody at XXXX and as a result, I now have a 30-day late payment on my credit report. I have never been late a day in my life with this company.

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 2022-08-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Wells Fargo authentication is terrible. 

Their " 2-step verification '' has three settings : " On '', " On except if I'm using the app '', and " Off ''. If it's " On '' or " On except if I'm using the app '', there's no way to prevent an attacker with your password from using the SMS option and reading your text messages to break into your account ( since text messages are relatively easy to crack ). 

Not only that, but there are lots of stories on the internet about people getting their accounts stolen by people social engineering Wells Fargo support staff, which is an even easier way for someone to get your money. 

This makes Wells Fargo my least secure important online 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 2023-07-19
Company: Upstart Holdings, Inc.
State: OK
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:
I have a personal loan with upstart.com. I paid all of my monthly payments on time except for this situation. At the end of XXXX, I sent an email that the agency I work for had a payroll issue that deleted me from the system. I did not get a paycheck for 30 days. Meaning I did not get paid until XXXX. This means I was not able to pay any of my bills during that time. I reported this to everyone I make payments to Upstart would send me emails saying they did not recognize my email. Then they sent my info to collections and said a third party is handling it. I then set up for payment to be made in XXXX and it said the payment had to be made before they would take it out of collections. Now today XX/XX/2023 after they said it was sent to collections last month they have reported me as two months late. They dropped my credit score by XXXX points. Which has placed me in poor credit status. They also dropped my credit score by XXXX plus points when they sent it to collections. So now they have dropped my score XXXX points. I reported to them my issue and they did not reach out once to try and work with me on this issue. Not one time. This is wrong and needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: EQUIFAX, 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:
There is a 30-day late payment reporting on my credit card for the month of XXXX. This information is not correct. I was a victim of identity theft on the account I had set to auto-pay and it was closed due to fraud. I have an FTC affidavit for identity theft related to this issue as well. The new account I used to pay was entered wrong by somebody at XXXX and as a result, I now have a 30-day late payment on my credit report. I have never been late a day in my life with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have unauthorized inquiries on my consumer report. I didnt give these companies permission to check my credit. I dont know who gave them permission.I went to a car dealership with my own approval. They were informed that I had my own funding and i supplied them with my own approval letter. None of the listed companies had permissible purpose to check my reports. 

These are fraudulent. Also i have credit card inquiries that i did not authorize. The I called the credit reporting agencies last week and they refused to help me and told me to call the banks myself. As i understand Consumer reporting agencies have a duty to report 100 % accurate information and i am notifying you that you are reporting false information. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

...... 
This is hindering me from doing the things i am trying to do. 

The inquiries are : 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 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 2020-02-14
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: Their investigation did not fix an error on your report

Complaint:
I have a active XXXX XXXX credit card in good standing for many years. Sometime in the past year or so a negative XXXX card account had gotten added to my credit report. Ive disputed this several times with XXXX  with proper documentation but they have failed to do anything about it. I cant even dispute it anymore because they have it permanently like they are still undergoing an investigation even though theyve updated it again with the same negative information but making appear newer. They have added remarks that dont even make sense. I do have copies of what they are doing along with my documentation that should had been read and looked at. The last time I had a payment it was due back in XX/XX/XXXX. I paid it early in XX/XX/XXXX. Also have proof of a new star card that was mailed to me back inXX/XX/XXXX. I do have copies where I had spoken with 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 2020-04-28
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Received letter, dated XXXX XX/XX/2020, from Nationstar Mortgage LLC stating that interest rates would be sent to my email address, XXXX. I never received these interest rates by email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: WELLS FARGO & COMPANY
State: NM
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:
Hello, I sent XXXX, XXXX, and XXXX letters asking them to investigate and verify my debt on my credit report just to make sure the names, amounts, dates and everything else involved with the accounts were accurate. I have received the credit bureaus responses and uploaded them to this case. They have stated that everything is verified and correct, and validated correctly, however, my credit report is still showing inaccuracies and inconsistencies. I have highlighted all of the inaccuracies by circling the account name and underlining the inaccuracies and inconsistencies in RED pen. You will be able to see my credit report from before and after their updated reports to show as proof that it is still showing inconsistencies and inaccuracies. In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681s- ( A ) ( 1 ), the following accounts have violated my rights, which states that " 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. " : XXXXXXXX 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 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 2019-05-10
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Date : XX/XX/2019 Amount : {$220.00} Action : Attempted Withdrawal from a XXXX Debit Card ATM Location : Wells Fargo ATM, XXXX XXXX XXXX XXXX, XXXX, NC XXXX phone : ( XXXX ) XXXX Transaction Date : XX/XX/2019 Transaction Amount : {$220.00} ( @ XXXX ) Reason for Dispute : The cash was deducted from my XXXX balance immediately, but the money DID NOT dispense from the Wells Fargo ATM machine . The ATM gave me an error message and told me to contact my financial institution. I did not get any money, but it shows as a completed transaction in XXXX. I have contacted XXXX who initially refunded me and then later, took the money back and stated that the money was due to the merchant. I reached out to Wells Fargo directly, called, emailed and even went to the Branch where it happened. After several phone calls from Wells Fargo representatives ( who were very nice ) and promises to help, I was told there was no way they could track the ATM balance and could not help me since I was not a Wells Fargo customer. So basically, I am just out of {$220.00} an Wells Fargo has no liability even though it was thier ATM machines that faltered. I have used this card many times in the past to withdraw cash and have never had an issue, this time the money did not disburse and I feel it was an ATM error ; however Wells Fargo did nothing to get my funds back to me, and basically said since I dont have a Wells Fargo ATM card, they could not track it. They called me and claimed they did a thorough investigation- but there was no mention of my money being returned - just them again reiterating that they could not track my card ( which I did not ask them to do ). They CAN assess the balances in those ATM machines, along with how much was in the ATM machine, and how much was disbursed. And, if the money was disbursed after me to someone else, they also have cameras on those machines. It can not be impossible for a BANK to track the money disbursed from thier ATM machines. I need my {$220.00} back and would appreciate some help. This is unfair to me and poor practice from the bank as they claim to have all these security measures in place..cameras and accurate accounting are part of security too. 
XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: SUNRISE CREDIT SERVICES, INC
State: PA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, XXXX XXXX XXXX billed me {$120.00} for services never rendered after receiving notification that I changed carriers. The phone numbers which XXXX XXXX XXXX attempted to bill me for were wholly owned by XXXX for the entire billing period in dispute ( XX/XX/2022 - XX/XX/2022 ), thus it would be impossible for them to provide the stated services. I was not under any contractual obligation, as I had already paid for all services rendered by XXXX XXXX XXXX through XX/XX/2022. 

I called XXXX XXXX XXXX customer service to dispute the bill upon receipt. Their representative confirmed that I am not under contract, that I owed nothing on any devices, and that the bill was purely for future service dates. I requested the source of legal authority to bill a consumer in advance after they've changed carriers and the XXXX XXXX XXXX representative stated it's their company policy to do so. I refused to pay and informed them that I'm disputing all charges on the bill dated XX/XX/2022. At that point, the representative stated that they'd " settle for {$50.00} ''. I declined, as XXXX XXXX XXXX was clearly attempting to collect money for services that would never be rendered. This is a deceitful and fraudulent collection attempt. I will attach documentation showing that XXXX XXXX XXXX attempted to bill for the same exact period as XXXX, whom the phone numbers and service belonged to for the entire period in question. 

Roughly one year later, I received a derogatory remark on my credit report from each of the three bureaus as reported by Sunrise Collection Agency, whom purchased the fraudulent " debt '' from XXXX XXXX XXXX. After disputing and providing the case details to each bureau, XXXX removed the derogatory remark from my credit report. However, XXXX and XXXX did not. I am contacting the CFPB to have XXXX XXXX XXXX clear the fraudulent balance from my former account with them, have the derogatory remarks removed from my credit report with each bureau, and ensure that Sunrise ( and any other collection agency ) cease and desist all collections and reporting actions against me due to the fraudulent XXXX XXXX XXXX bill.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX continued The events happened between XX/XX/ and XX/XX/2019. In XX/XX/ when I should have been closing they attempted to force me to take a 3.95 % rate which was not what the rate. They also sat on the completed file delaying a closing. I located the secure emails, XX/XX/2019 estimate with the 3.5 % and the woman who tried to force me to change my rate. 

XXXX in XX/XX/2019 gave me the 3.5 % rate. 

I am attaching files. I am requesting to be part of the settlement because I paid {$1400.00} when I was qualified to pay {$1200.00} from XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had a vehicle loan with Ally. They mistakenly applied funds to my account showing it as paid in full. This was brought to their attention and they reopened my account on XX/XX/21. However, my account is showing past due for XXXX. I could not pay my payment in XXXX because the account was closed. They now expect me to make two payments in XXXX to account for a mistake that was solely theirs. I dont think this is fair.

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 2023-01-19
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
XX/XX/2023 received 2 robo calls from Navient XXXX XXXX ; XXXX XXXX XX/XX/2023 received 2 robo calls from Navient XXXX XXXX XXXX XX/XX/2023 received 4 robo calls from Navient XXXX XXXX XXXX XXXX XXXX XX/XX/2023 received 1 robo call from Navient XXXX XXXX XX/XX/2023 received 1 robo call from Navient XXXX XXXX XX/XX/2023 received 3 robo calls from Navient XXXX XXXX XXXX XXXX XX/XX/2023 received 4 robo calls from Navient XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Many times my account has closed because of what they thought was fraud and then froze funds when I tried to pay bills I was charged overdraft fees for not having funds in my account when they they should of been

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had a home improvement loan for a brand new furnace and heat pump. It was for {$11000.00}, And I paid it off early and did not get a refund of my interest. My interest cost were {$3500.00}, and they did not refund the money. Can you please help me?

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 2020-03-12
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I feel that as a consumer I'm being treated unfairly by CITI bank, they lowered my credit card limit from {$3500.00} to XXXX for something negative on my XXXX  report as they stated. I got issue fixed and after calling them they cant seem to now reinstate by available limit and only want to hurt my consumer credit report y doing another hard inquiry that will damage my credit report. all I'm asking is to be treated fairly. Seems like ive been getting conflicting information from CITI.

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 2018-08-20
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
When I was in college I had to take out a couple of student loans to be able to pay for school. When I got to the repayment I struggled a lot because I wasn't able to find a decent job to afford the payments for the loans. I called several times and the only options that I was given was to do forbearance or deferment. I have several of those in trying to figure out through the years how to repay this money. It wasn't till about 3 years ago that I was offered the income based repayment option. If I had of been offered this the first time I called I would be close to having the loans forgiven. Now I have to continue the plan till they tell me otherwise. Still stuck with them on my credit even though I can't afford them and not given any reason as to why it wasn't offered to me before then. Any assistance with this issue would be greatly appreciated! I just want the WORST decisions of my life to stop holding me back because I can't afford them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had a Wells Fargo account online. I was not able to use my card at any stores or banks. My account was hacked and I called them and they froze my account to fix the problem but it was never resolved.

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