BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-06-09
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX my Wells Fargo Debit Card was declined at the Grocery Store. I called the number on the back of the Wells Fargo Bank card. I was told BOTH accounts that i am Trustee for, have been closed " due to fraud ''. " Due to fraud '' was the reason i was given and was told they can not give me any more information without talking to the Bank. I called the Bank that same day and as usual, nobody picks up the phone. I go home and check my email. There is an email dated XXXX From XXXX XXXX, a Financial Crimes Associate of the External Fraud Investigations for Wells Fargo Bank, from XXXX, TX. On XXXX i sent a reply email to XXXX XXXX and to date, XXXX XXXX has failed to Reply to my email. On XXXX i checked my phone messages and found a message from the Wells Fargo bank dated XXXX, the message said " There is an issue with XXXX of your accounts and we need You to contact us at the Bank ''. Nothing else was said, no explanation of any kind. On XXXX i called the Bank at XXXX and XXXX at about XXXX ... .No answer after ringing about XXXX times. I called again on the same day, this time at XXXX ... to which the phone rang again about 50 times with NOBODY answering. I called again at XXXX and continued to call OVER AND OVER letting the phone ring til their phone system would hang up on me. On XXXX, I called Wells Fargo again at the XXXX and XXXX branch ... ... NOBODY WILL PICK UP THE PHONE ... .1st call was around XXXX, it Rings and Rings and they never pick up ... .Same thing at XXXX, XXXX, XXXX, XXXX and XXXX. Since this is Typical behavior of Wells Fargo and ALL it's XXXX locations. Approximately 1 week later, in XXXX, i get 2 letters in the mail from Wells Fargo Bank dated XXXX. XXXX letter is a Check for the remaining XXXX Funds from 1 of the accounts that was closed. The other letter is a Statement for the 1 closed account. There is no explanation about the Other Trust checking account, there is no explanation as to why either accounts were closed, why the fraud department was involved ... .NOTHING. No Explanation. Wells Fargo closed both accounts claiming Fraud over the phone, then they issue me a Refund Check and provide NO EXPLANATION about the alleged fraud and why the 2 accounts were closed.

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 2023-11-18
Company: MOHELA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have tried several times to get in touch with Mohela. I have spoken to XXXX different representatives because I can not afford my monthly payments. So I extended the loan to the most years you can every time I call them they say my loan is still being processed. Ive been trying since XXXX to resolve this issue. I can not afford {$760.00} a month, XXXX person told me that my payment will go down to XXXX. The other one told me something else but nothing gets done. Ive been trying to call them now for the past month and I have not been able to get in touch with anyone because the whole times are over an hour or XXXX. Sometimes when you call the person picks up the phone and hangs up the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: NATIONS LENDING CORPORATION
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of XXXX I refinanced my house with Nations Lending ( who my previous mortgage was with ) to take advantage of equity in the house and pay off some debt. The loan officer XXXX XXXX worked up an initial loan estimate using a valuation of {$370000.00} which I indicated to him was too high. XXXX assured me that even if it came in lower they could still make it all work. The appraisal came in {$350000.00} which is where I told XXXX it would likely be. Then he came back and said they would not be able to pay off as much debt and the interest rate and payment would be slightly higher. When I pushed back and tried to ask about including more debt he said his hands were tied due to the loan to value. But in an email ( attached if I can ) on XX/XX/XXXX XXXX said " That being said what we can do is in 6 months, we can do a rate and term refinance. At that time, we will waive costs and just lower the rate for you. In 6 months, your credit will be much better from paying off the debts. This will allow for much better pricing, and we also anticipate rates to be lower then. This will all result in the payment dropping about {$300.00} a month at that time. For now, we can take advantage of the equity we do have before it lessons. Then in 6 months improve the rate. Unfortunately, this is the best we can do with the appraised value and style of home we have. '' In XX/XX/XXXX after making the 6 months of payments I emailed XXXX on XX/XX/XXXX to ask about the rate and term refinance he mentioned in his XXXX email. Later in the day on XX/XX/XXXX I emailed XXXX again as I was getting credit alerts that my credit was being pulled by a mortgage lender. At NO TIME did I authorize or know there would be a credit pull. XXXX did call me later and sent me a loan estimate with a valuation of {$380000.00} to do a conventional refinance with fees and appraisal costs. When I pushed back on what he said about a rate and term refinance he stopped responding. Several days later he sent me a text saying the best they could do would be an FHA refinance again with fees and an appraisal that would maybe save me {$170.00} a month. At no time during our exchanges after XXXX did XXXX acknowledge or address the email that he sent in XXXX. I filed a XXXX XXXX XXXX complaint and had XXXX XXXX reach out to me to discuss and she had a senior lender contact me by the name of XXXX XXXX. XXXX told me that I was part of a 5 year rate lock guarantee but there was nothing they could offer that would be better than what I currently have. XXXX again would not acknowledge or address the promises made in the email from XXXX from XXXX of 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 2022-05-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The accordance with Fair Credit Reporting act these accounts has violated my rights. 

XXXX XXXX XXXX Account # XXXX U.S. Bankruptcy Court Reference # XXXX U.S. Bankruptcy Court Reference # XXXX U.S. Bankruptcy Court Reference # XXXX 15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

15 U.S.C. 1681 Section 604 A section2 : 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 2017-06-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was was looking for legal representation after firing my lawyer and they notified me of the courts decsion late and put up my house for sale X/XX/2017 with no notice to me. <P/>I had already spent thousands on legal representation for lawyers that negotiate with their clients XXXX of defending the merits of the case. There are no lawyers that want to appeal the case without excessive charges. <P/>I was forced to file Bankruptcy to stop the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had about ten credit ( maybe more ) cards with Synchrony and they arbitrary closed them all. All the balances on them are paid off except for one with a {$220.00} balance. On Thursday, XX/XX/2023, is when the cards were closed. That Tuesday and Wednesday I had pending charges, on Friday morning the charges were cleared, but with this credit card with PayPal when charges clear I get the cashback instantly, but since Synchrony closed the account, they will not pay the cashback. 

With the reduction of the massive buying power my credit score will significantly decrease. All summer I worked hard to build my credit score. I used the credit cards and paid the balance off frequently, rarely kept a balance. Prior outstanding balances are paid off. I eat off several credit cards and then pay them off. Now Black Friday is coming, I desire to carry a balance into Spring. I planned this Black Friday since XXXX by building a massive buying power, to spend only a portion of it so I can keep my credit utilization below 30 % and not max out one credit card to not significantly impact my credit score in a bad manner.

My credit report has many inquiries due to mainly applying to Synchrony Bank, no one will lend to me due to the many inquiries even though my score is at a XXXX, no derogatory information, and all balances with other lines of credit is at a {$0.00} or up to 5 % utilized. As mentioned before, I did this to shop within a responsible budget for Black Friday ; to get things my parents never bought me as a child and now I work and can afford through credit to maximize the reward system. 

This is not a duplicate complaint but a new complaint. I am complaining about the cashback that is owed to 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 2023-11-17
Company: MOHELA
State: UT
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:
I have submitted several Save applications- one through XXXX and I was on deferred payments until they processed it. I was then consolidated with Mohela who I submitted another XXXX application through. They have not processed my original application or the new application and my payments are much higher than the XXXX i was on before consolidation. I can not afford the current payments and they wont give me an administrative forebearance until they process my save application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: OH
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:
I've have sent out letters going back from the XXXX of XXXX and then again on the XXXX of XXXX. I have asked for accounts to not only be verified but a record of how they verified it and to take it off my report if they can't resolve this matter. I ask for it to be done in 30 days because from my understanding by law they only have 30 to 45 days to answer and I've heard nothing.

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-09-19
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX used to be my dealer in Florida. He ran multiple inquiry before getting me into XXXX XXXX  as my auto loan bank. Paid down payment for XXXX XXXX and car was received including documentation. Months later I decided to trade in XXXX for XXXX XXXX which was done successful. Months later XXXX XXXX had to report to XXXX that my trade in vehicle was repoed. Which is false. Ive tried so many times to reach the bank ( XXXX ) but they keep asking me to contact XXXX XXXX whom the manager s name is XXXX. 
15 U.S. Code 1679c states I have the right to dispute inaccuracy on my credit report. If inaccuracy is found, the credit bureaus must remove inaccurate item on credit file.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) Consumer may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after the harmful behavior or within five years after the harmful behavior occurs.

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: Radius Global Solutions LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/2023 I received a called from Radius Global Solutions stating that there is an attempt to collect a debt from a company called XXXX XXXX I have never done any type of business with this company XXXX XXXX  nor did I even know of its existence until I received this call. I told the person on the call that I have no clue what that company is and I needed the calls to stop. The person on the call hung up in my face immediately without saying a word. Hours later I received several calls from the same number but every time I would answer no one would say anything. I have been a victim of identity theft several times in the last few years and this is just another case of it. I have never done any business with XXXX XXXX  I have never had an account with them and I do not owe them any money. Any account made with XXXX XXXX  was made by someone who stole my identity and I did not authorize anyone to do any type of business with this company under my name or personal information. I have attached an FTC report stating the same thing.

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 2023-01-05
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: Investigation took more than 30 days

Complaint:
After 3 attempts since XX/XX/2022, This company hasn't responded to me nor fixed the lies they put on my credit report. The courts told me they dont share any information with this company nor do any business with this company so no bankruptcy and all these other lies should not be on my credit report. This is deflamation of my character. I have been turned down by other companies because of these lies on my credit report. 

Delete all these lies off 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 non-monetary relief
Consumer complaint received 2022-03-08
Company: Coinbase, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/XXXX my laptop has hacked/compromised by people claiming to be XXXX and to assist me restoring my internet connection ( which had gone down ). They knew my internet was out and gained remote access to machine ( via XXXX ) with the claim that my network was currently insecure because of hacking and claimed to show me evidence of this. They gained access to my coinbase account. 
Several transactions occurred before I reported them as fraud to my bank ( after they texted and called with suspicious activity ) and stopped payment. Reported fraud to coinbase.

In addition to the impersonation/fraud/theft ( reported to FBI via iC3 ) I have large concerns as to how Coinbase handled this after payments were stopped for fraud. 
Of {$19000.00} stolen, {$5000.00} was blocked as incomplete transactions - but Coinbase demanded I complete the payments and sold my other crypto assets to cover " their loss ''. 

Rough sequence : 1. Unauthorized access to my account.

2. Fraudulent activity starts.

3. I try to block transactions, several already completed.

4. Bank cancels cards and blocks my bank account as bank contacted to report the obvious fraud.

5. I lock my coinbase account and report fraud.

6. Incomplete transactions exist.

7. Coinbase sends funds for those incomplete transactions, even though all my payment methods were blocked.

8. Coinbase sent the funds without my authorization or access to my funds.

9. Coinbase reimbursed itself for the Incomplete transactions by using assets- even though they were rejected as fraud.

10. Coinbase restricts my account and sends demands for payment.

11. Escalation of complaint attempted, but coinbase is no longer responsive. I understand that the initial completed transactions have " gone '' and there may be nothing that can be done to retrieve these from the criminals who hacked my machine and carried out the unauthorized transactions, but the actions of coinbase are disturbing for all the transactions that were stopped. They basically aided and abetted the fraud/criminal activity by forcing me to pay for the money they chose to send once I attempted to prevent further fraud and loss. From the reading I have done since I was a victim of this theft/fraud it seems coinbase has a reputation for not acting correctly in cases like this where their customer account is compromised and coinbase " sides '' with the criminal activity not it's customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
FRAUD VICTIM. My bank on XX/XX/XXXX ran a report for business reasons and right after that 14 hard hits appeared I contacted all hard hits. I contacted XXXX XXXX XXXX  Credit Report Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and told them I di n't authorizes these I sent in the letters and contacted the companies as I could not answer some of the questions was told they could or would not investigate and referred me back to credit report companies. 
This is the information that was found who tried to use my ID From my FIC report RECORD CREATION DATE XX/XX/XXXX EMAIL ADDRESS XXXX USER PASSWORD XXXX ID XXXX UPDATE DATE XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: EQUIFAX, INC.
State: NC
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 XXXX  Account : XXXX XXXX XXXX Account # : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation