BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
I was made aware of some inaccurate and erroneous items on my credit report in XX/XX/2020. Over 60 days ago I disputed these inaccurate items and to this day no response. I feel like Im being ignored of my issues, and there is nothing I can do. I detailed in the previous letters why they were inaccurate. I was also affected by the XXXX data breach and now Im thinking my information had got into the wrong hands. The items are harming my credit report and demand they be removed immediately.

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 2021-02-25
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Thank you taking the time to review my application. 
I have attached 2 letters to this file to include the detail in my matter. 
The essence of the problem is Wells fargo lacks follow up and follow through. I have been trying for over 9 months to resolve my mortgage with Wells fargo following a forbearance program tied to loss of employment due to Covid 19. While I was able to complete the process on my first loan, the company has not been forthright in supplying accurate information on the second loan. Both of my mortgages are up to date -- However Wells fargo wants to increase my rate to 3 % instead of modifying the loan.

I have spent over 100 hours speaking to multiple people only to get the run around. Several of the representatives contradicted each other, and were very condescending.

I am also finding the information I receive on the phone is completely different from the letters I receive in the mail from the bank. In fact they are conflicting messages. I feel this is done to intimidate me further.

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 2019-08-14
Company: NATIONS LENDING CORPORATION
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019 I started a refinance with Nations Lending Corporation. The loan officer is XXXX XXXX. I submitted all documents required. She said I am good to go. After that she said I need an appraisal done on my home for the refinance. She told me it would be XXXX i said ok. An appraisal was done and they actually took XXXX out of my bank account. I continued to call and call waiting on a close date. XXXX XXXX quit calling me back and responding to me. So, finally yesterday after I filed a complaint with the XXXX someone new called me and told me that I did not qualify for that refinance after I was already told I am approved and done the appraisal with the person they use and was only waiting on the closing date. He told me he can offer me a streamline refinance which doesnt require an appraisal or finance verification. I said no thats not what I was told I was approved for and I want them to honor their commitment as I have to them. He said that was not an option and the streamline was the only option I have through them so I asked if I would be receiving my XXXX back and he said no because it was through a 3rd party they used and would not give me my money back. I said XXXX told me yes, she set up the appraisal l. So, now I am out of XXXX dollars based off XXXX XXXX telling me I was approved for this refinance, and paid the appraisal only now almost 2 months later getting told No.

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 2021-02-09
Company: U.S. BANCORP
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was caught in a scam purchasing a puppy. I XXXX the breeder later realizing it was a scam. Never received the puppy and was a fake online. 
I filed the dispute with my bank immediately the same day. The woman on the phone told me I would have my funds 7-10 business days. From that period to the 10th business day I had spoken to 4 other associates who all told me I would receive my funds within that 10 day period. I called on the 10th and 11th day and was told I would receive the funds the following Monday ( yesterday ). I called yesterday the woman told me she wouldnt send an email to figure out where my funds are and would have an answer and the funds in my account by today. I called today. The first person told me they had no answer and no information. I called back. Spoke to a gentleman who told me that I wouldnt receive my money back. After weeks of battling this bank and being hung up on constantly, transferred over and over and over again, I basically got told to kick rocks and I wont see my money back. I was told by MANY people I would receive it back a week ago and never did. Even yesterday was told I would see it back and now Im getting a different answer. Im so frustrated with this bank I will never use them again and I will be discontinuing service with them. They are supposed to protect my money and yet they cant protect a scam on my account and then give me false information as to where and when I would get my money.

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 2023-07-10
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Discover offered a credit card promotion and then put double interest into place. 
they kept increasing my credit limit etc and I really didn't understand their intent to increase interest. 
Finally I contacted them again for the 3rd time and they agreed to lower the interest rate. 
making it like it was my fault vs a partnership decision and they played no role in it. 
their advertising is a joke making it like they are your advocate. 
I am attaching a copy of what they agreed to and what their comments were. 
they assured me this was only " : in house '' and would not affect my credit or credit on the bureaus. I am writing this to make sure it does not. 
I will be paying this off and then I will make the decision whether they are closed or not as I just closed XXXX XXXX  XXXX cards due to interest and will only work with the ones with low interest and XXXX charges for credit card holding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XXXX I made a purchase on my XXXX XXXX XXXX. approx. {$200.00} for some outdoor furniture. I had a number of problems with the order, mainly there were some missing party and shipping took an extreme amount of time. I reached out to XXXX and asked to be contacted by a supervisor. The supervisor did in fact call me back and offered a discount to me for my trouble that was quickly applied to my account .The complaint is that during my purchase I was offered deferred interest as typical with any XXXX purchase Ive made when the manager got involved my deferred interest seemingly disappeared. I want to point out that every order Ive ever placed with XXXX has had a deferred interest option. I made contact with both XXXX XXXX and Comenity and both referred me to each other XXXX the correspondence typically has gone line this .. 

Hello, It would be through Comenity Capital Bank that you need to work with on this. 

Ask for a Supervisor there and have them put in a dispute for the financing. They may try to transfer you over to the XXXX customer care to do this, but it is through the bank that the dispute needs to be done. Only the Supervisors there are able to put in the dispute. By doing this they should be able to pull up the previous adjustment and fix this. It usually takes about 1-2 business days for them to look into the dispute. 

Here is there contact information ; Comenity Capital Bank : Phone Number : XXXX Hours of Operation : Monday- Saturday XXXX EST Closed : Sundays and major holidays Take Care XXXX XXXX Solutions Support XXXX The trouble is .. the other basically says the same thing, putting me into a constant circle with no solution, meanwhile Im being charged interest every month ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX  XXXX  XXXXT Last reported XX/XX/2019 TO ALL 3 CREDIT BUREAUS {$91000.00} Reported balance Please remove from my credit reports.its been an ongoing problem for almost seven years.

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 2018-12-04
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My insurance company XXXX XXXX failed to pay an emergency room doctors fee because of a clear misread of my medical coverage. After spending many months trying to resolve the issue with the insurance company and the medical biller, the outstanding bill was sent to XXXX for collection. On XX/XX/2018, XXXX XXXX XXXX XXXX stated that the unpaid debt would be reported to credit agencies if not paid in full. XXXX was contacted by XXXX XXXX on XX/XX/2018 ( two days later ) to let them know the account/bill was covered and was going to be paid by XXXX  and not to pursue the matter any further. The XXXX representative who XXXX spoke to was named XXXX. On XX/XX/2018, XXXX sent XXXX a Explanations of Benefits document showing that the bill was in fact paid in full. On XX/XX/2018, XXXX reported the unpaid debt to XXXX and XXXX. An XXXX representative stated that they are not responsible for correcting the reporting to the credit agencies. This uncollected debt now appears on my credit report. This is a clear violation of the FDCPA.

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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-05
Company: United Financial Service
State: AE
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
the United Financial Services sent me a mail says I owe a debt of XXXX to XXXX with another guy name XXXX XXXX. I never rent apartment recently and never been to California because I have been living on a XXXX for a while since I joined XXXX and stationed at XXXX XXXX. I will report to police station for personal identity stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: Experian Information Solutions Inc.
State: AZ
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:
The credit bureaus are reporting inaccurate/outdated/incomplete 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 2021-11-29
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent letters to all 3 credit bureaus on XX/XX/XXXX regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 38 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Merchants Acceptance Corp
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Merchants Acceptance sued me for a debt that they can not prove is mine, and I was not contacted prior to doing so. They began garnishing my wages in XXXX of 2019 and after the garnishments went through I contacted them trying to establish that this was indeed my debt and they had no proof except my information. I requested copies of documents, contracts, my identification that was provided when this contract was initiated and they would not give me anything. Then after collecting almost {$1200.00} from me they stopped responding to my communications, and sued me again ; adding additional fees and making the balance more than what it was to begin with. Now, they are garnishing my wages for almost {$500.00} a paycheck, which began XX/XX/2019. I called and I was treated terribly. They continue to garnish my wages, add fees and additional charges. The debt is 7 years old and not mine. I have contacted them to try and work with them and they are deceiving and will not work with me. The continue to send the mail to the wrong address when I have provided them all of my contact information. I believe that they are illegally garnishing my wages and taking my money for a debt that is not mine. Not to mention, I was lied too and treated terribly by the legal advisor that I was in contact with. I believe this debt is not mine and they are also breaking the statue of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
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:
The following companies ran unauthorized credit inquiries on my credit report. Please remove as these are suspicious to me : XXXX, XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Sentry Credit, 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:
A debt for the amount of {$2600.00} from Sentry Credit is reporting to my credit file. 

I mailed a validation letter to debt company on XX/XX/23 I received a letter back XX/XX/23 indicating that the company was unable to validate debt. 
and did not have the information I was requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Credit Bureaus are reporting inaccurate information. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate properly and remove them from my personal credit file. These are the following items : XXXX XXXX  ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Unpaid Balance {$2200.00} ; XXXX XXXX XXXXXX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX R XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$2200.00} ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX, XXXX ; XXXX XXXX Ct, XXXX XXXX XXXX TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Unpaid Balance {$2200.00} ; XXXXXXXX XXXX XXXXXX/XX/2023.

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 2019-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
CHAPTER XXXX BANKRUPTCY : BANKRUPTCY XXXX .. Bankruptcy doesn't belong to me. The courts do not furnish any of this information to the credit bureaus..They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false 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 explanation
Consumer complaint received 2019-08-14
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: Old information reappears or never goes away

Complaint:
I received a deletion request that was sent to each credit bureau from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: NY
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 I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with non-monetary relief