BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-29
Company: DISCOVER BANK
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Hi, In XXXX XXXX XXXXXXXX of XXXX, and XXXX, XXXX XXXX XXXXXXXX of XXXX, I took advantage of two months of forbearance provided by DIscover student loans and XXXX XXXX. These payments have been marked as late or missing payments and have significantly impacted my credit and credit history. I would like to have these late payments removed from my credit report. 

Secondly, I have 2 loans with discover student loans and 1 loan with XXXX XXXX with interest rates between 10 and 12 percent. Because of the hit on my credit from the forbearance mentioned above, I have not been able to refinance and consolidate these loans for a better interest payment. I am writing to see what options are available for consolidation and reduction of my monthly payments and interest rates. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 requested inaccurate information be removed from my credit reports and it still hasn't happened in over a year if waiting. As a result of fraudulent activity on my credit profile I am placed fraud alerts and/or security freezes on my credit profile with all 3 credit reporting agencies. As a result I am unable to obtain credit and now can't even get the  freezes/alerts removed from my credit profile along with names and/or addresses that should not be associated with my credit profile.

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 2021-08-17
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began contacting this company to exit forbearance at the end of XXXX XXXX. It's XX/XX/2021. 0 progress has been made. 
The retroactively added 3 months of late payments during the forbearance period, so we can't refi away from them. 
A HELOC company said we were in default, but we were never informed of this. 
I told them I would be leaving the country for weeks leading up to XXXX when I left. While out of the country, they called the XXXX XXXX POLICE on ME, while I told them I was out of the country - who harassed my tenant/future partner on the house. This is absolutely an abuse of taxpayer dollars. Whoever made that call needs to be fired/held accountable. 
When I returned home in XXXX, I found a letter dated the day they called the police. In it, they threaten my mortgage if a PACE lien is not cleared from the title. ( FHA loan ). 
In addition, they offered a " trial repayment '' plan in this letter. This is fine, but it started before I returned and no one informed me this was happening to plan for a way to pay it while I was gone ( requires paper checks sent to a US address ). I could have paid anything digitally/bank wire, but I couldn't send a letter from XXXX to XXXX! 
I opened a CFPB complaint, they said they would have their lawyer contact me to work it out. It's been an additional 2 weeks with no updates or answers to our questions. 
In the meantime, this means their additional mortgage trail period payment is 16 days late and I still can not get an answer to some basic questions : 1 - I do not know how long the liens will take to be removed from the title. So where does that leave us with the threatening letter? 
2 - I do not know if M & T has been paying the escrow - or if we're still in the " special program '' that you never cashed the checks for. If so, we will need the total for our civl trial against XXXX  ( CA AG found the contractor guilty criminally ) 3 - If the liens are removed - how long to M & T to adjust the balance owed so we can see the best way forward for us?

4 - what's the status of " missed payments '' during the foreclosure period.

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 2021-07-19
Company: Better Mortgage, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Better.com is advertising 15 year refinance interest rates on XXXX at lower pricing than what they are actually able to offer me as a consumer. I entered in all of my information accurately ( zip code, property value, loan amount, credit score, loan term, occupancy status, property type, etc ) and then when you get redirected to Better.com they are only able to offer worse pricing ( higher interest rate, more points, higher APR ), this is a clear example of bait and switch advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: SYNCHRONY FINANCIAL
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I recieved a paper bill in the mail with a statement closing date of XX/XX/2021 for PayPal Credit. It says on this paper bill I can ( and have in the past multiple years ) go to the online website to make my payment. The paper invoice simply says " To receive electronic statements or make online payments visit PayPal.com '' When you go to PayPal.com a home screen comes up with " PayPal balance '' that says {$00.00} and an " add money '' button, along the left side, reading down, it says " insights '', " Money in ' " Money Out '' all around this home page nowhere does it say " PayPal '' payment options, or abilities to look at the PayPal Credit card balance, payments, history any of the information on this paper mailed statement. None of it shows on this website. I emailed after spending hours going over the " paypal.com '' site, help page, and all other forums to find out where the PayPal Credit site is for payments and viewing. It appears it is linked to Synchrony bank and you have to make payments through synchrony bank, nowhere on the home website does it give you a link that is easily accessible to synchrony bank to make payments. This very difficult and challenging experience started about 3-4 months ago and over and I have spent hours trying to find the link to make my payments. Last month I emailed them and said no link was connected and the website had an " updating '' access limited message preventing and limiting user availability to the account. I do not believe making payments to a credit card should be this challenging and present with what feels like deceptive marketing - it is not PayPal I am paying or working with it is marketed that way but held by Synchrony bank - a completely different website, provider, customer service, logo, brand ... it's very confusing to get PayPal marketing/brand invoicing website directions but really be working with Synchrony 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 explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: IL
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify this account, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair this inaccurate account in my file. 
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 2018-02-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite three written requests, the unverified items listed below remains on my credit report in violation of Federal Law. Experian is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, Experian stated in writing that the account verified that the items are being reported correctly? I received no written verification of who verified these accounts? Experian did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Experian also have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). As such under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to promptly DELETE all information which can not be verified. yet they have not.

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 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns 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 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These credit bureaus have violated my rights. 

15 USC 1681 Section 602 A. States I have the right to privacy.

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

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2021-03-10
Company: HW Holding, Inc
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX HUNTER WARFIELD ( Original Creditor : XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Ocwen Financial Corporation
State: PA
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. PHH MORTGAGE SERVICES Account # XXXX has violated my rights. 15 U.S.C 1681 ( a ) ( 4 ), FCRA section 602 A ) States I have the right to privacy. 15 U.S.C 1681b-a ( 2 ) ( Section 604 A Section 2 ) : It 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 or any other adverse item of information, other than records of convictions of crimes ( they may only report crimes, not debts ) 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.

Please delete this account properly thank you. 


PHH MORTGAGE SERVICES {$430000.00} Balance updated XX/XX/XXXX Account info Account name PHH MORTGAGE SERVICES Account number XXXX Original creditor - Company sold - Account type Mortgage Date opened XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time

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 2019-11-19
Company: RSH & Associates, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Do not have any legal binding accounts with this company Have no idea who this company is. I have never had an account with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I contacted what I thought was a dog breeder in XXXX for a sale of a dog, we had communicated back and worth a bit, which I have copies of if needed and I agreed to purchase a dog, once I agreed they asked if I had paypal/venmo, so after some conversation I sent monies via paypal/venmo, then I was sent a confirmation that they received monies and I was sent a tracking number after another conservation of shipping the puppy and I was told the puppy would be here in the next 24 hours. I then agreed to send another amount for the insurance of puppy. I never received the puppy. I then contacted the contact person and transportation company with no success of getting my monies back. I contacted the police right away and they have been doing a on going investigation with no success of getting monies back. I called paypal/venmo and they were no help at all. Total amount was {$1700.00} breeded was XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In XX/XX/2022, a checking account was opened at Wells Fargo in my name but not by me. There was a XXXX dollar balance so I didn't worry much about it until I received a letter in the mail in XXXX stating that " because I receive interest income, I need to sign, date and return the enclosed form W-9 to confirm your Tax Payer Identification Number as required by the IRS. '' I know better than to share my social security number, so I went to a Wells Fargo Bank on XX/XX/XXXX to speak with someone about this fraudulent account. She explained that it was fraud but stated no one at Wells Fargo was responsible. I disagree with her because someone had to approve the account in order to open it. 

During that visit, I closed the account and then went home to change my logins and passwords. I also put a freeze on all three Credit Reports.

I worry that some people may not know better and will fill out the W9 form providing more personal information.

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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, these accounts are not mine. XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$18000.00} ; 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 2023-01-11
Company: Experian Information Solutions Inc.
State: LA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-08-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023, around XXXX XXXX I attempted to deposit {$300.00} cash at the Wells Fargo ATM, located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. After inserting my debit card and entering my pin, I selected DEPOSIT and inserted {$300.00} cash into the feed. I then noticed that the machine feed was not working properly so I canceled the transaction and started the process again. I then re-entered my debit card and pin, selected DEPOSIT, and inserted {$300.00} cash a second time into the feed. The feed accepted the cash deposit, but due to a malfunction started rolling over repeatedly as though it was processing the deposit without stopping. I waited approximately five minutes for the deposit to be returned or for the ATM to render a receipt. Neither happened. After that, on the ATM screen appeared a goldish/yellowish sign that read words to the effect of a " technical issue ''. I then selected " return card '' for fear my ATM card would not be returned. I immediately summoned the Security Guard at the entrance to the bank who was a few feet away. I asked him to look at the ATM to witness the problem with the machine. He then directed me to go inside the bank and inform the teller which was near closing time. The teller gave me her business card and told me to contact the Claims Department since she was unable to resolve the issue at the Branch. The name listed on the card is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. Tel : ( XXXX ) XXXX ). XXXX. Around XXXXXXXX XXXX  on XX/XX/2023, I left the bank and contacted the Claims Department around XXXX XXXX  from my mobile phone. Sometime later the bank granted me a " provisional credit '' pending the outcome of their investigation. However, upon completion of their investigation, they indicated that there was no malfunction with the ATM and opted to reverse the provisional credit by debiting my account for {$300.00} which devastated my finances. I have been a long-time customer of Wells Fargo for over twenty-plus years and have never experienced anything of this magnitude. Although at times when I deposited cash at the ATM if there was a problem with the currency being wrinkled or too many bills, the machine returned the money to me. I would then re-enter the cash deposit with no problem. As a result of their decision to rescind the provisional credit of {$300.00}, I may be forced to close the account. I am heartbroken that I was treated this way by a bank I thought I had established a long-time relationship with. Apparently, they are no longer interested in my business.

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