BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS/INQUIRES LISTED DO NOT BELONG TO ME THESE ACCOUNTS ARE FRAUDULENT SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-07-08
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was in the XXXX XXXX in XXXX XXXX XXXX in XXXX XXXX XXXX trying to buy a computer on XX/XX/2021. I told them that the computer was more expensive than at another store, so I was going to leave to buy it elsewhere. The sales associate informed me that I could get 24 month no interest financing if I signed up for the apple card. This was an attractive offer so I decided to go through with it instead of buying the computer elsewhere. I applied for the card, got approved, and proceeded to check out. When she pulled up the information I noticed there was only 12 month financing and not 24 month financing as promised. She apologized and checked to make sure that wasn't a mistake. It was not a mistake, and 24 month financing was not offered on this product. So now I just have this credit card I don't want that was opened under false pretenses. I left the store to buy the computer elsewhere. 

I then called Goldman Sachs, who is the partner for the apple card and told them what happened. This was 3 minutes after the card was opened. They told me that they could not reverse my application and that I could close the card but that, that could negatively affect my credit. 

I was taken advantage of and now just have this credit card I don't want or need and that I can't close for fear that it will affect my credit negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
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:
Well I was a victim of fraud my debit card and my wallet was stolen out of my car along with my cell phone which has no screen lock and way to much info on it to have it fall In the wrong hands. I reported it as soon as i found out my card? missing because i had to buy another phone because at first i thought i lost my phone but ended up being taken. Wells fargo bank put all the blame on me calling me a liar and not fixing my account after I called to report it stolen ... I was treated like a criminal and my money was never reimbursed .I feel wells Fargo needs to give me back my account and my money and an apology. What makes this whole thing wild is I just deposited XXXX and XXXX who does that if he is going to set up his own account to be robbed? Please let wells fargo know they need to remove these account issues please

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 2018-06-18
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/2018 I paid for and received a copy of my Equifax Credit Report and FICO number. I spoke to their fraud and investigation supervisor who advised if I filed a police report for frauduluent identification which I did and fax it to them they would issue a revised accuarte report and correct FICO score within 8 hours. Equifax still is inaccurately reporting my acccounts with XXXX XXXX XXXX XXXX as being open when they are all closed and timely paid. off in full timely. My account with XXXX XXXX XXXX  and XXXX all have a XXXX  balance as all balances are from unauthorized fraudulent charges and XXXX XXXX  is reporting an inaccurate balance. 
Their confiirmation number since XX/XX/2018 iw XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have applied for a car loan and they are unable to obtain my credit reports due to the fraud alert that I have placed on my file. Also, I will need to add my contact telephone number to my credit file My contact telephone number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
Company: Affirm 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: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 30 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
PNC does not permit me to link my landlord account to the online property management system " XXXX XXXX '' and I am unable to make deposits of incoming rent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/2017 I had called about my student loan payments inquiring why they were taking {$79.00} one day of the month and XXXX $ another day. I was discussing with them my financial situation ( in terms of I want a one month payment possibly lower than the {$180.00} ) and the " loan professional '' suggested income drive based payment plan, which honestly sounded good since I was paying {$180.00} a month and I had recently lost my job. So they explained its based off the income NEVER that I was going to pay NOTHING towards my principal for almost a year. I am beyond myself, how could they not tell you " hey by the way you are only going to be paying interest are you sure you want to do this? '' I opted for auto debit therefore not looking at the breakdown until I did my taxes this year. I don't understand how they can suggest something like this when they are supposed to be helping my debt situation not making it worse. I requested a lower interest rate considering I wasted almost a year at paying interest only ( not even XXXX $ towards the principal ). How is that even a thing? I should have known better they these people are snakes but they do not teach you this stuff in high school, which is sad because hard working people like me get taken advantage of. Super frustrating and honestly sad.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Nelnet, Inc.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was told by XXXX that I would have a monthly payment of {$84.00} after trying for a month to get them to put me on an income based repayment plan. The lady helping me asked what I needed my payment to be at after I had given her my financial information and I replied stating the payment needed to be under {$100.00}. I was told I would receive my new payment within a week, but it took them a month and I just received a message on my account that my payment was put at {$130.00} for the next 12 months. I feel this isnt right because I was quoted what my payment would be and now it is applied to my account that I will repay an amount that I communicated to them that I can not repay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Commonwealth Financial Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent debt validation letter to Commonwealth Financial Systems XXXX XXXX XXXX, XXXX on XX/XX/2018 via USPS Certified Mail. Tracking # XXXX. Letter requested proper validation of debt and HIPAA requests. I have yet to receive any response whatsoever from the mentioned collection company and it is now past the required 30 days and I am now requesting the account be deleted and removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Account # XXXX Claim # XXXX I am filing a complaint against Ditech Financial, LLC. Hopefully my complaint will benefit many others. I had smoke damage in my home. My insurance has come and access the damage and written the check to cover it. However ; it is written in my name and my mortgage company. I would like to endorse the check and send it to them so they may endorse it and send me part or all of it to start the process of making the repairs. I also plan to send my claim report from the adjuster, In addiction Ditech is requesting for an estimate of the material that will be used from XXXX or another supplies place. Well actually I tried to get that information. But XXXX was unsure how to give that information since it requires price, quality, and quantity. from the claim. It is about 9 rooms that that has to be restored, serviced, and remodeled. All rooms won't use the same material. I need to start and figure out what is needed along the way. My insurance company said all they need to do is cash the check and write me a check to begin then verify what was done, and give me the balance. I am doing the work myself under the coaching of a skilled handyman. They want to pin me down to a certain company to buy the material. But I plan to do that according to whoever give me the best deal with the price, quality, and quantity. Here are the places I plan to use XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and XXXX. You would think that Ditech would like the house repaired since they still hold an interest in it. If there is any other information that you may need, please call XXXX XXXX. Thank you very much for whatever help you can give.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I paid the XXXX XXXX and XXXX XXXX XXXX for loan audits which prove mortgage fraud against Wells Fargo/ XXXX XXXX mortgage backed securities. I filed chapter XXXX with XXXX XXXX. Now judge XXXX XXXX lifted the stay at the request of his house theft pals at XXXX law. I requested they produce a promissory note. He said its too late. They have separated the mortgage from the note and cant forclose. So the Vice President of Wells Fargo forged documents swearing that they miraculously found the missing promissory note. Kickback XXXX XXXX didnt question it. I want my portion of the XXXX XXXX XXXX XXXX settlement fund asap! Wells Fargo loan XXXX. I was the plaintiff in federal court in XXXX against them but was ill and wrote to reinstate the case for which I was denied! I sued for mortgage fraud! After three payments toward modification they foreclosed so I filed ch XXXX. Anyway XXXX law XXXX XXXX XXXX XXXX has tried seven times already and seem impossible to stop from stealing my home. Im due a large settlement. Thanks again. 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 2018-02-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Have been trying to cancel my monthly subscription with Experian ( https : //www.experian.com/ ) credit reporting. It's been over 4 months they have not cancelled or responded back over cancelling membership. 

I have emailed them couple of times. Called company a lot times. 
They tend to keep on hold people for cancelling subscription and never pick up or respond back. 
I was able to get in touch one time with representative but they did not cancel subscription and dropped call while in between. 

At first I thought this was because of huge traffic. After a little bit of research I found that it's the problem with everyone. Company Experian does not entertain cancelling membership subscription XXXX XXXX XXXX Complaint against experian can be found here

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 2018-02-22
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Resurgent Capital Services has placed a account on my credit report. The account is filled as XXXX XXXX on all of my credit reports. However, when I call the representive says they are with Resurgent Capital services and they are handling the account. The account is listed as originating from XXXX XXXX XXXX and opened on XX/XX/2017. I have contacted the orginal creditor, due to the fact that I have a credit card with XXXX XXXX XXXX and I am unaware of a second. I asked for all original documents pertaining to this account to be sent to me from Resurgent Capital Services/XXXX XXXX to verify the account. The process they have instructed me on is unrealistic. They want me to file a affidavit with this site, the police department, mail everything to a XXXX XXXX and await a response. However they have not given me a date of account origination or original documents as requested. All they send me is old billing statements from charges made. Which does not prove ownership. I have disputed this account in the past with XXXX XXXX XXXX and it was removed. It appears that it was then sold to this agency and they are making it extremely hard to prove this is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In 1996, I enrolled in the XXXX XXXX XXXX program at XXXX for XXXX XXXX XXXX in XXXX, TX, I was told the program was XXXX approved and my credits were transferable to a 4 year college or university. I refinanced the loan with Nelnet and through the years, every college or university that I have applied for admission will not accept my credits or degree and state the XXXX for XXXX XXXX XXXX is not an approved higher education school. XXXX has confirmed that I can not become a member because I did not graduate from an XXXX approved program. 
I have contacted XXXX for XXXX XXXX XXXX for assistance and was told I could now re-enroll to earn a Paralegal certificate for additional costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
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: Was not notified of investigation status or results

Complaint:
I filed 2 dispute with trans union on XX/XX/XXXX and XX/XX/XXXX. transunion never responded to my dispute I will upload the letters that I sent, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you  are required by federal law to verify.

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 2021-02-11
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was sued for a debt owed to XXXX  XXXX XXXX around XX/XX/XXXX for an amount of {$10000.00}. Through my lawyer, XXXX XXXX XXXX, XXXX, a settlement of {$6000.00} was reached. This amount was paid off on XX/XX/XXXX. On XX/XX/XXXX I was notified by my employer that my check would be garnished to pay off the remaining {$4400.00} to satisfy the {$10000.00}. My lawyer got involved once again as my checks were being garnished to pay off the debt. On XX/XX/XXXX the original settlement was honored, and the funds garnished would be coming back to me along with a note on my credit report of the debt paid off. This was pending I send a signed release form to Cooling & Winter, LLC. The form was signed and arrived at their receptionist on XX/XX/XXXX at XXXX. The credit report changes have been honored but my funds being returned have yet to be honored with no further communications returned from Cooling & Winter. The funds being returned as the pandemic hit was going to be a stress reliver for my family, but I continue to wait and wait. I am seeking that the {$4400.00} be sent 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 2020-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, 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:
My credit report shows a hard inquiry from XXXX XXXX on XX/XX/2020 that I do not recognize. I would like this removed from my credit report. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Beginning in XX/XX/XXXX I 've been disputing inaccurate information reporting from all3 credit bureaus regarding an account with XXXX XXXX XXXX XXXXXXXX. All 3 are  reporting a balance owed over XXXX. I disputed the information as being inaccurately reporting. I did this in XX/XX/XXXX and XX/XX/XXXX. All three bureaus reported the information was verified and reporting accurately. I then requested the account be validated by XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX validated the accounts on XX/XX/XXXX and XX/XX/XXXX. XXXXXXXX XXXX XXXX XXXXXXXX provided me with a Explanation of Calculationof Surplus or Deficiency. After the sale of the vehicle it states the amount owed is XXXX. It also states in the correspondence that this information was supplied to all three credit bureas. I would like to have this account deleted from all 3 credit bureaus because they have willfully failed to report accurate and correct information. I requested several investigations and the amount is continued to be reporting in error. I have also provided the documentation I obtained when I requested validation after several failed investigations by the credit bureaus.

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