BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-30
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/21 I received a text message : " Wells Fargo Bank Fraud Alert : Did you attempt a XXXX payment for the amount of {$3000.00}? Reply YES or NO or XXXX to Decline Fraud Alerts. '' I responded NO as asked. A male, identifying himself as a Wells Fargo employee, immediately called, explaining a XXXX transaction had been initiated from my checking account to a recipient with XXXX XXXX He advised we would need to attempt to contact XXXX XXXX to see if the transaction had already been completed. He sent a verification code from Wells Fargo. Placed me on hold, to contact XXXX XXXX, who also sent a XXXX XXXX XXXX Both codes were provided to the Wells Fargo employee. The male then walked me through how to open XXXX, create a profile under my name and number and stated, that he could only attempt to reverse the fraudulent monies sent, back to my profile we just created to reverse the transaction. He walked me through attempting to reverse the transaction, both transactions ( from savings and checking ) were completed under the belief I was speaking to a Wells Fargo employee walking me through how to recover my stolen money. When attempting to reverse the transaction I seen the name XXXX on the XXXX account instead of my name as we just created the profile under my phone number. He advised that must be the name of the fraudulent person and asked me for more details. After the transactions were completed, he created a dispute in the remaining amount. After the some time the call dropped. 
I called back in to Wells Fargo, and was advised all of the previous information was fraudulent activity. Initially, a claim was filed which was denied. Wells Fargo claims they do not cover any transactions made through XXXX. When contacting XXXX, they advised me to contact Wells Fargo as they only cover transactions made through their app directly, anything made through personal financial institutions should be covered through that bank directly. Wells Fargo has refused to cover the fraudulent activity, citing there was no fault on behalf of Wells Fargo. Wells Fargo claims that XXXX is a completely different organization, not covered under their XXXX liability program which ensures they cover fraud. My XXXX account is created through my Wells Fargo account, the transaction was completed through first opening my Wells Fargo app to get to the XXXX tab. This is very misleading information for the account holders who believe they have fraud coverage. According to XXXX, Wells Fargo should cover the fraud directly. 

By XX/XX/21 more fraudulent activity is now taking place on my checking 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 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 2021-03-22
Company: LEXISNEXIS
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX  Senior Personal Lines Underwriter XXXX XXXX notified me XX/XX/XXXX that Lexis Nexis provided XXXX  an insurance score at some point in the spring of XXXX on which basis my home insurance premium was raised according to my agent by over 10 % starting in XX/XX/XXXX. However, the information disclosed in the XXXX  notice indicates false information is being propagated by Lexis Nexis since no negative activity occurred that could have been reported during this period, and yet no ability to receive any information from Lexis Nexis has been demonstrated to date. After filing a CFPB complaint, Lexis Nexis sent on XX/XX/XXXX at XXXX XXXX their first ever contact attempt. They were responded to on their electronic messaging system at XX/XX/XXXX the same day at XXXX XXXX. Lexis Nexis rep. XXXX confirmed my identifiers had been received as requested on XX/XX/XXXX at XXXX XXXX on their same messaging system. Exactly 2 weeks later they sent a letter dated XX/XX/XXXX to the CFPB stating I had failed to respond at all to request for additional identification and that my complaint was considered closed on their end. Otherwise and continuing through today, they have still sent no response to multiple website form submittals, three letters written requesting my credit report or insurance score information mailed in large print to their address given by XXXX, or the nearly 20 phone calls starting with first contact XX/XX/XXXX. I have no ability to " correct '' Lexis Nexis ' false information without having the opportunity to see what information on me they are selling without my permission and without being able to get a copy of my credit report after 8 months of trying to do so. Here are the dates on which we contacted Lexis Nexis by phone at the number provided by XXXX  XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Here are the dates on which the letters were mailed to Lexis Nexis at the address provided by XXXX  XX/XX/XXXX requesting credit report and insurance score in accordance with CFPB guidance : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX  has been requested 4 times to provide alternative contact information for Lexis Nexis to receive the credit report or any of the adverse information used to increase my premium. Since Lexis Nexis repeatedly hangs up on XXXX XXXX XXXX every contact attempt by phone, do not respond at all to mail inquiries and fail to even respond to further follow-up using the electronic messaging system provided after the CFPB complaint failed to achieve any result other than to catch them in an abject lie about my failure to respond to their request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: ID Analytics, Inc.
State: NY
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 have tried to contact SageStream credit reporting agency to lift a security freeze on my credit profile so that I maybe able to access new credit. I am unable to reach a representative or get help with this matter because SageStream is not currently responding to my telephone calls. I would like to file a complaint against them for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We were in the covid forbearance program. when we went to reinstate the loan we were trying to get our payment down and refinance the loan at a lower interest rate. We were successful in that we got our payment lowered by XXXX dollars and the interest rate dropped to XXXX. The papers were sent to us and we had them notarized and mailed back to the company, This was the end of XXXX of this year. We started making payments and then received a call that the maturity date was wrong on the notarized copies. So they were going to send out a new set of papers. Well they sent us the very same papers with the same maturity date. We immediately called and notified them. Their response was to say that there would be a third set of papers mailed out. It is now XXXX and we have yet to receive them. They were called repeatedly every month several times. Their answer was it was going to underwriting or it was being checked into. We have spoken to many many employees a XXXX XXXX, XXXX XXXX, always the same thing. We actually just called them last Friday, everything was ok except that now the program we were originally signed up for was no longer available, so they wanted to raise out interest rate and make us pay thousands out of pocket for the loan to be current. That is financially not an option for us. So Monday We get a call that they are foreclosing, and the guy wants to come out to take pictures. We are not the only XXXX that this is happening to. We want answers and they are criminal in the way they have treated us. We have tried to get this resolved. One person told us on numerous occasions not to make payments till the contract was sent out, now we are being punished for doing what was told. We were not shirking our obligation we have been trying to resolve it for months. This Company is Criminal. They are not working on helping us they are trying to take advantage. There are many like us out there. Please put a stop to their shoddy practice.

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 2021-12-17
Company: Experian Information Solutions 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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2023-09-08
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting 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 hereby declare that any reported Personal Identifier Information that does not exactly match the details provided above can not be certified as adequately true, correct, timely, complete, verifiably valid, or otherwise compliant with the necessary lawful reporting processes and the precise and complete adherence to the mandatory reporting format standard, specifically Metro 2 Compliant reporting. I contest any currently reported personal identifier information that falls into this category. Furthermore, I do not assume the factual validity or certified compliance of any associated delinquency events or derogatory claims reported. Therefore, I demand the immediate removal of any such deficient claim, regardless of its accuracy. 

*** DEMAND that all reported claims be supported by factual documentation that demonstrates their FULL TRUTH, ACCURACY, TIMELINESS, COMPLETENESS, PHYSICAL VERIFIABILITY, and VALIDITY. I also DEMAND adequate claim ( s ) adhere to CERTIFIED COMPLIANT REPORTING PROCESS ( es ) and follow the mandated reporting format, specifically the Metro 2 Compliant format standard. Finally, I demand that any reported deficiency or the failure ( or unwillingness ) to provide proof of each claim 's validity and certified compliant reporting result in the immediate DELETION of derogatory claims, if any exist. Compliant reporting of proven valid claims is not an option but a requirement for lawful and ethical reporting practices. ENSURE YOUR OF COMPLIANCE!

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse 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.

Also, they aren't even in compliance with Metro 2 credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: SANTANDER HOLDINGS USA, 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: Account status incorrect

Complaint:
The auto loan in question is through Santander Consumer USA. The vehicle was repossessed in XXXX of XXXX. It was then sold at auction in XXXX of XXXX. After repossession Santander continued to report late payments to the account. I was never notified that the vehicle was sold at auction. I only found out through my credit report when late payments stopped hitting the account in XXXX. Santander sold the vehicle for more than the loan amount as well. Additionally, the vehicle was charged off during the pandemic when I was already approved and on the pandemic forbearance plan that paused payments. Santander still repossessed the vehicle and is now a YEAR AND A HALF LATER reporting it as a repossession with a balance still due. I have sent letters to the credit bureaus as well as Santander asking for the removal of the account because of all of the inaccuracies. I have never received a response from Santander and the credit bureaus will send a letter or email asking for additional time with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: MD
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:
Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX {$28000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received an offer from Capital One for a 0 % introductory rate on purchases AND balance transfers until XX/XX/2024. Applied for the card using the QR code in the mailing and received it, but when i inspected the rate on the account after it was opened the 0 % rate was only applied to purchases. On XXXX I contacted the company to receive clarification and was told the rate only applied to purchases, not balance transfers. Even though the mailing clearly states balance transfers. I spoke with a supervisor, still told the same thing. They would not do anything to correct the problem. The only reason I opened the acct was for the balance transfer rate. This is deceptive and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: U.S. BANCORP
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: Personal information incorrect

Complaint:
I think I have identity theft

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: EQUIFAX, INC.
State: TX
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. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX Balance : {$330.00} ; XXXX XXXX  Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX - XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$12000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: American Cycle Finance, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I XXXX XXXX entered into a consumer credit transaction with American Cycle Finance Inc on XX/XX/2018. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know that the finance charge is the sum of all charges I was not expecting a bill which is a violation of 15 USC 1692b or for funds to withdrawn from my bank account and they also added a extra {$50.00} for insurance which is supposed to be added in the finance charge Pursuant to 15 usc 1605b which is also a violation Please read attachment and you will see where American Cycle Finance Inc edited my requested information to creditor instead of debt collector in which I ask for and you will all see where they lied about not being a debt collector or receiving any money from the illegal collected pay.which put American Cycle Finance Inc in default and they didn't respond to my Affidavit the proper way. They never gave me an right to rescission form which is all a violation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: U.S. BANCORP
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I honestly have never heard of this bank. I don't know what this collection is. I tried calling this company but they did not have any information for me. That I owe a debt and used cuss words.

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 2022-10-15
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX ACCOUNT # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGH BALANCE, DISPUTE STATUS, DATE OF LAST ACTIVE, DATE OPENED ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates

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 2021-03-22
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: Their investigation did not fix an error on your report

Complaint:
I recently filed a dispute with the credit bureaus regarding inaccurate information reporting on my credit report. I disputed a public record that contain inaccurate information. I received letters that the information was verified and to contact XXXX XXXX XXXX. 
after a thorough investigation, the public record has been removed and deleted from my XXXX profile. XXXX initiated a dispute on my behalf and have not gotten a response back from the credit bureaus. 


chapter XXXX bankruptcy- 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 2023-08-07
Company: MOHELA
State: KS
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 applied for the Public Service Loan Forgiveness program. I made 181 qualifying payments towards PSFL, with the 120th payment that triggered forgiveness occurring in XXXX of XXXX. The Missouri Higher Education Loan Authority ( MOHELA ) shows in my XXXX qualifying payments. However, they reported to the US Department of Education 's Federal Student Aid department that our discharge was only effective in XX/XX/XXXX ( instead of the correct date of XX/XX/XXXX ). 

Because of this error, MOHELA and FSA have not refunded over {$20000.00} in overpayments I made on my student loans between XX/XX/XXXX and XX/XX/XXXX. I have been contacting MOHELA 's customer service lines for PSLF since XX/XX/XXXX and have been given various incorrect or incomplete answers regarding the delay in my refund. When I noted the error between their records of when I reached 120 payments and the discharge date they reported to the USDOE, I was told there was nothing that MOHELA could do to correct the misinformation and complete the refund process.

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