BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-10
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have filed several complaints with CFPB on Wells Fargo and The CFPB has failed to adequately address my concerns and complaints and continue to disregard my complaints when WELLS FARGO give them a fraudulent response. I have contacted WELLS FARGO several times asking for authenticated documents, recording or any evidence that they may have to prove that the transaction from @ draftking was authorized by me, they told me that I would receive these documents within XXXX to 40 days, well its only been a week and on today XX/XX/2023 I receive the following documents ( see documents attached ) they have failed to provide the required documents/evidence showing how they came to verify that these transaction were indeed valid where I have provided more than adequate evidence proving that these transaction were never authorized nor did I have knowledge or give @ draftking consent to withdrawn funds from my account. Now I see why WELLS FARGO is being sued for unlawful business practices, and its government agencies like the CFPB that is turning a XXXX eye to the fraud and failing to help we the people.

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 2024-01-10
Company: SYNCHRONY FINANCIAL
State: NY
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:
I Have Hard Inquiries On My Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, And Snychrony Bank. I Have No Acknowledgement Of These Inquiries.

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 2024-01-08
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
On two occasions I have spoken to representatives of Shellpoint Mortgage in reference to setting up a repayment plan, once in early XX/XX/2023 and once in mid XX/XX/2023. Both times I was interviewed about the issue I was having that led to missed mortgage payments. After answering all questions, giving all financial information and contact information, I was told that a representative would contact me soon. I was also given the name and email address of the representative : XXXX XXXX, email address : XXXX. After waiting weeks and not receiving a phone call, email or mailing from the representative, I decided to send an email to her. To my amazement the email address was not functional. The representative could not be reached by email. I also sent an email to XXXX, and have not gotten a reply. 
Making contact by phone has been just as frustrating. When I call, I am never connected to a person who has any idea that I have an application on file or who can connect me to XXXX XXXX, my original Shellpoint contact person. As I write this complaint, I have been on hold with Shellpoint for 44 minutes!!!! It seems like they don't really want to help me bring my payments current. It seems like they want me to lose my home to forclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: FL
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: Was not notified of investigation status or results

Complaint:
I have written Experian and asked that they provide me with proof of how the following accounts were verified. I requested proof of the original contracts that I signed with each agency and the statement that I agreed to about how these companies and I would handle late payments and if the accounts were closed what we would do. As of today, I have never received proof of how these alleged accounts were verified accurate and as I never received the original accounts that I signed with these companies. Therefore, I am requesting that these accounts be removed from my credit report as soon as possible. The accounts in question are : 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 2023-11-27
Company: Experian Information Solutions Inc.
State: AZ
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I mailed a certified letter to Experian to have my credit files confirmed, verified, updated or deleted and to send me a copy of the results along with the information on how it was verified and from whom it was verified so that I could follow up with them. I never received anything in the mail. I called on XXXX I was told that they didn't have to mail me anything and they didn't have to tell how they verified the information. I asked to speak with a manager and was told they would call me back, I didn't receive a call back until 2 weeks later on XX/XX/XXXX, I was working and could not take the call. I called back today on XX/XX/XXXX to discuss the fact that all of the negative things that are currently dragging should be removed because according to the Fair Credit Reporting Act Code 1681i ( 6 ) they had 30 days to complete the investigation or delete the files. They had 5 days to send a mailed copy of the results and they did not. I want the accounts 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 2023-12-29
Company: MOHELA
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, I had the balance of my student loans forgiven through the XXXX XXXX XXXX XXXX XXXX. My federal loans were serviced through Mohela. 

I found out a few days after that I had actually overpaid, and I would be issued a refund in the amount of {$1900.00}. At the time, I was told to allow the refund XXXX business days to make it to me. 

As of now, XX/XX/XXXX, I have not received the refund. It is over 90 days at this point and I have called Mohela at least 6 times, getting a different and unhelpful answer each time I call. I am getting so frustrated as I know this money is rightfully mine and Mohela just continues to brush me off. Anything you can do to help would be so appreciated. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-23
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a late fee my first time using Old Navy Rewards Card ( Barclays Bank ). I called in XXXX to ask if they would remove the late fee and said that I would pay it in full immediately. They agreed and waived the fee and I paid in full. 

They did not actually waive the fee and so I got charged another late fee on top of that. I called again as soon as I noticed and was told the fee was waived its just pending and that they will also waive the new fee. The new fee was waived but still not the original fee. I called again and got the same answer that somehow this late fee is still pending since XXXX and theres nothing else they can do besides remove the SECOND new charge. 

Now, today, I once again incurred a late payment fee and owe more on the card than I had ever charged in the first place ( I made a purchase for about XXXX dollars and haven not used it since because of this issue ), as I now owe XXXX dollars. 

I cant even use this card because they have not sent me one in the mail since I got it back in XXXX so there is no way I should owe any money to this bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX XXXX XXXX ( page XXXX ), XXXXXXXX XXXX XXXX  XXXX ( page XXXX ), XXXX  XXXX XXXX ( page XXXX ), XXXX  XXXX XXXX ( page XXXX ), XXXX XXXX XXXXXXXX ( XXXX XXXX ). 

In accordance with the Fair Credit Reporting Act, the following unauthorized inquiries have violated my rights XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX via XXXX XXXX  XXXX  ( XX/XX/XXXX ), XXXX XXXX  via XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX via XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX XXXX  ( XX/XX/XXXX ), XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX  XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ). 

In accordance with the Fair Credit Reporting Act, the following inaccurate personal data has violated my rights : XXXX XXXX XXXX XXXX XXXX, TX XXXX ( never was my address ), ( XXXX ) XXXX ( never was my phone number ), ( XXXX ) XXXX ( never was my phone number ), ( XXXX ) XXXX ( never was my phone number ). 

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 an account without my written instructions

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 2023-11-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have filed several disputes with XXXX and Equifax regarding the Department of EducationXXXX inaccurately reporting my student loan that was forgiven via the Public Service Loan Forgiveness in XXXX of this year. 

I provided XXXX and Equifax with letters from XXXX and XXXX ( dated XX/XX/ and XX/XX/, respectively ) confirming the discharge of the student loan debit in its entirety and a " XXXX '' balance. The XXXX letter includes a line item showing payment in full in the amount of {$39000.00} made to clear the account on XX/XX/. 

The same documentation was provided to XXXX and XXXX and the balances were updated to " XXXX '' with those credit bureaus. 

XXXX and Equifax state the Department of EducationXXXX continue to report the balance and have verified the balance is accurate. 

I submitted disputes to XXXX on XX/XX/XXXX XXXX and XX/XX/ and to Equifax on XXXX XXXX and XX/XX/ regarding the balance being incorrect. I submitted multiple disputes just in case I mistakenly selected the wrong reason. 

I am submitting this complaint against XXXX and Equifax because XXXX and XXXX were able to update the balance correctly after reaching out to the loan servicer/provider. 

However, if it turns out the Department of Education and XXXX are giving out inaccurate information to select credit bureaus, I would like to file a complaint against them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023, XXXX XXXX charged our debit card XXXX times in one night. I received an email saying that fraud charges were suspected from our bank, Wells Fargo. The following day, I tried to use my debit card for a purchase and it was denied. I went online to check my account and noticed numerous charges made to XXXX XXXX ( XXXX to be exact ), resulting in over {$1700.00}. I immediately called the bank and disputed the transactions. New cards were issued for both me & my husband since they had froze his card as well. The bank opened a claim and said it would be 10 business days before we heard anything back regarding the issue. 
The next day, I looked on my account and noticed that the banker hadn't caught all the transactions, so I added another claim. Meanwhile money was coming out from other bills and resulted in some overdraft fees. I didn't worry about it because I assumed that the bank would refund us the money once the claim was resolved. 
After awhile, since it was the holidays, I finally called to ask what was happening with our claim. The lady assisting me said that their investigator came to the conclusion that the charges in fact were not fraud and that they wouldn't be refunding the money. How can that possibly be? There's no way that we charged our XXXX  XXXX times XXXX night resulting in over {$1700.00}. I was angry, but the banker assistant couldn't help me anymore. I still have not received a letter or anything regarding the claim from Wells Fargo. It has been over XXXX now. 
We have been banking with Wells Fargo for at least XXXX years and never have had such a disturbing issue before. I have submitted fraudulent charges in the past and been refunded. I don't know why I am not this time. It is very upsetting to have money taken and then the bank not doing what they're supposed to be, protecting their customers.

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 2023-10-31
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions 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:
I am writing to express my urgent concern and frustration regarding the persistent inaccuracies on my credit report, specifically a late open account, despite numerous attempts to address and rectify this issue. I am seeking your immediate assistance to expedite the correction of this late open account to prevent further adverse effects on my credit history.

Despite submitting disputes, the late open account on my credit report persists, causing significant stress and negatively impacting my creditworthiness.

I have attached supporting documentation, including payment receipts, account statements, and any other relevant evidence, to substantiate my claim and facilitate a swift resolution.

Recognizing the importance of the Fair Credit Reporting Act ( FCRA ) in ensuring the accuracy of credit reports, I urgently request your intervention to expedite the correction of this late open account.

Given the numerous unsuccessful attempts to address this issue, I urge you to conduct a thorough review of my case, identify any obstacles hindering the correction process, and take immediate action to resolve these matters. I expect regular updates on the progress of the correction process.

I insist that all relevant creditors and parties involved be promptly notified of the inaccuracies and that necessary steps are taken to ensure the swift correction of this late open account on my credit report. 

Timely resolution is crucial, as this situation directly affects my ability to make informed financial decisions. I am asking for your assistance to correct these late open account in my credit file : XXXX XXXX XXXX XXXX Balance : {$5900.00}.

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 2023-11-28
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect information 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 explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$0.00} ; XXXXXXXX XXXXXX/XX/XXXX ; XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-11-28
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX XXXX was asked to verify a medical collection listed on my credit report. I was expecting a bill to be mailed to me or confirmation to come directly from the hospital they had listed XXXX XXXX. Instead XXXX XXXX XXXX sent me a medical bill showing personal health information as well as a copy of my insurance card. I feel so violated that a debt collector can get my PHI without my consent considering my own kids wouldnt be able to without my consent. According to 15 U.S. Code 1681a ( i ) ( 2 ) - Medical information about the consumer can not be furnished. Is this company above the law or are my consumer rights revoked? 15 USC 1681 section 602 states I have a right to privacy.

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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There a fraudulent account in 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 explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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