BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In 2019, several attempts were made to request that XXXX XXXX/XXXX accurately report the status of my former account as " paid ''. Disputes were submitted to credit bureaus and requests were made to XXXX XXXX. 

XXXX XXXX has continue to inaccurately report the status of this account, even though it was sold to another entity, and subsequently paid. The account is not in a current " charge off status ''. I was given assurances that this status would be removed, and updated to " paid ''.

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 2021-03-26
Company: R.M. Galicia, Inc.
State: NV
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:
Company never sent me notice INCORRECT ADDRESS on debt as well they state it was a charge off I did not know this was even owed as well how can they try to collect call or threaten me when they reported it as a charge off I have sent registered letter to stop

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: EQUIFAX, INC.
State: MO
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:
I did not authorize XXXX XXXX Services on XXXX XXXX, 2017 to run my credit. And I constantly asked them to remove inquiry on my report to no prevail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: EQUIFAX, INC.
State: VA
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:
As ofXX/XX/XXXX when I applied to buy a house, they informed me there are 8 loans listed as XXXX and 18 listed as XXXX XXXX XXXX with a total of 36 different account numbers that are all reporting past due. I only have 2 loans serviced by XXXX sinceXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have had this on my debt collection it shows for awhile but I have never received bills or been called about it which leads me to believe that its a false debt that I actually don't owe. I would like this to be removed as I feel I was wrongly charged with this debt.

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 2020-07-21
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$4700.00}, {$0.00}, {$2800.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNTS 4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2021-03-03
Company: WESTERN UNION COMPANY, THE
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I transfered {$170.00} thru Western Union App international money transfer last XXXX XXXX 2021. It was promised to receive the amount to receiver 's bank account on XXXX 2021. It is XX/XX/XXXX already and the money was still not delivered. I keep tracking but its still not delivered to the said date it was supposed to be received. I call the consumer financial hotline but it keeps me waiting on the line. I am worried of what happened to the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: SN SERVICING CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, my name is XXXX XXXX. I can not believe that my loan once again has been transferred to another servicer SN SERVICING CORPORATION, XXXX XXXX  XXXX XXXX, AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
Ive been working for a very long time with XXXX XXXX XXXX XXXX ( my previous servicer ) and now I had to start the process all over again. How many time will this go on? How many time will me and my XXXX wife suffer to get a loan modification? There is a foreclosure sale scheduled for my home on XX/XX/2019. 
From my first bank, XXXX  XXXX XXXX and they have denied me multiple times for a loan modification until XXXX XXXX XXXX transferred my loan to XXXX. I told XXXX I want to apply for a loan modification. They have told me to pay {$2000.00} for a Trial Period Payment of 3 payments. I told them I can not afford that and I asked them to apply me for a loan modification. XXXX sent me an application for a loan modification. I have filled it out and faxed the full packet to them. After 3 months they then have told me that I do not meet the qualifications for the XXXX loan modification and the representative told me to apply for the Keep Your Home California program. At this point I applied for the Making Home Affordable Program and faxed over a full packet to XXXX. After some time I yet again get transferred to another servicer XXXX XXXX XXXX XXXX, XXXX. After many months sending documents and trying to work out a loan modification plan and review XXXX XXXX XXXX XXXX XXXX XXXX transferred my loan to another servicer which is now my current servicer SN SERVICING CORPORATION, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, whoever they are. 
I sent over a full packet to SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX. They have received my loan modification packet and is in review. 
I and my family are in a very tight spot with SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and we do not know what else to do. I can make monthly payments for this loan of around {$1600.00} for the loan, insurance and taxes. That is an amount I can afford. Please review this company and previous companies as to why they keep transferring my loan once im on the brink of being approved. Seems as though every company is prolonging the process as much as possible. 
SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are in Violation of my CALIFORNIA HOMEOWNERS BILL OF RIGHTS if they proceed with the sale of my home which is scheduled for XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: GA
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:
XXXX please remove these creed if inquires of my credit report they are fraud I will list the inquires, I am dealing with a fraud resolution specialist because my identity has been stolen and used and please DO NOT PUT a fraud alert on my report period just remove the inquires XX/XX/2022 XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX Equifax please remove these creed if inquires of my credit report they are fraud I will list the inquires, I am dealing with a fraud resolution specialist because my identity has been stolen and used and please DO NOT PUT a fraud alert on my report period just remove the inquires XX/XX/2022 XXXX XXXX XXXX XXXX XXXX I will provide letters from the fraud specialist and attached these letters to each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
They took my money via wire transfer and promised a recast of my mortgage and did not do what they said they were going to do. It has been 3 months of fighting with them to correct the new payment amount. They lie, say there is no recast department however their forms sent on their letterhead states Att : Recast ; they say they never received the forms, I sent the tracking slip from the post office showing they received it ; they state they never received my emails but when I log into THEIR online messaging system it shows all of my emails to them along with their generic auto response : Thank you for contacting Nationstar a customer service representative will contact you '' which they never do!. They drop my calls and refuse to help, they are predatory lenders. To date, I have spent several hours on the phone with them as well as faxing and emailing them with no response or help whatsoever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Using my Identity to purchase Computer and others items that do not know?

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 2018-04-30
Company: Freedom Mortgage Company
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please see previous complaint XXXX. 

Freedom mortgage did not allocate funds correctly again. TheXX/XX/XXXX payment should have been principle only and it was not. The aforementioned complaint gives all the details.

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 2023-02-10
Company: Affirm Holdings, Inc
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
AFFIRM - ( XXXX ) loans. 

All AFFIRM loans payments were made on time until : a. ) AFFIRM closed the loans including my online access to my account for the loans ; b. ) AFFIRM excused me from making further payments ; c. ) AFFIRM stated they were not able to verify the loan. 

My online acct access was terminated. I am still unable to sign into my acct online since XX/XX/XXXX. 

AFFIRM has as of TODAY XX/XX/XXXX - ( and not XXXX  when the loans were supposedly active ) - placed a derogatory report with the credit bureau. 

AFFIRM has for each of the ( XXXX ) loans reported : PAID/CLOSED/NEVER LATE in XXXX and XX/XX/XXXX. ( see attachments ) AFFIRM today, XX/XX/XXXX, reported charge-offs for loan accounts which ARE NOT MINE. ( see attachments ) QUERY : If the loans were not paid on in XXXX and XXXX, why was there no reporting activity to the credit bureau, with only today 's derogatory report for each of the loans. 

My loans were for ( XXXX ) year, and were opened in XXXX and XXXX. My loans were for less than {$200.00} each. All loan payments were made on time. 

I am unable to access my accounts on AFFIRM.com, and have not been able to access my accounts on AFFIRM.com since the loans were FORGIVEN by AFFIRM in XXXX. 

My loans were FORGIVEN by AFFIRM in XXXX and I was RELEASED from these loans in XXXX. No contact attempt by AFFIRM was made after XX/XX/XXXX. 

All attempts to discuss this matter with AFFIRM were closed down by AFFIRM.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a fixed-rate VA loan serviced by Nationstar Mortgage ( XXXX XXXX XXXX XXXX ). I closed on the property XXXX with advisement that my payments, including mortgage and taxes, would be approximately XXXX per month ( per the HUD Statement ). 
Per the FORM XXXX - XXXX Fixed Rate Note - my mortgage payments from the inception to XXXX 2016 has been {$1800.00} per month. 
On XXXX XXXX XXXX, I receive an payment change from Nationstar advising that my monthly mortgage payment would increase as of XXXX XXXX from {$1800.00} to {$3800.00} - an increase of {$1900.00} - due to a " shortfall ''. 
We have a legal agreement with Nationstar via the Form XXXX ; and for them to suddenly increase monthly mortgage in this manner/to this amount is a violation of the consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 explanation
Consumer complaint received 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
The following accounts are being reported by the credit bureaus, and must be removed immediately for violation and inaccuracy : The following accounts have violated my rights : 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 XXXXXXXX 15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) : A personal shall not furnish any information relating to a consumer to any consumer reporting aggency if the person knowls or has reasonable cause to believe that the information may be 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 2019-01-18
Company: IQOR US INC
State: MN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have just learned that XXXX sent my debt to an outside collection agency, which is weird as they normally collect from their own collection agency. I have not recived communication from them to my knowledge, but they have contacted my mother the co-signer. The school I went to was convicted of fraud and ordered to pay back {$500.00} million in student debt. XXXX XXXX XXXX, a part of XXXX XXXX XXXX. My debt qualifies for discharge according to the lawsuit and I believe this debt should be collected from XXXX XXXX XXXX and is no longer owed by me. I also believe XXXX sold my before 180 days. I did not stop paying XXXX, they stopped collecting and I was NEVER informed of any period of time the program ran for. I found out in a web search of another XXXX  borrower in the same program saying one was supposed to apply every year. XXXX had charged me for 3 years uninterrupted without mention of needing to renew yearly.

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 2020-07-12
Company: WELLS FARGO & COMPANY
State: NE
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 have continued to have a credit card only relationship with Wells Fargo for the past 10+ years. During this time I have had automatic monthly payments scheduled to pay the full amount due on the first part of the month. 

Recently I opened a bank account with Wells Fargo on XX/XX/20. Additionally, I set up additional bank accounts for third-party bank transfers. Somehow on XX/XX/20 my existing automatic payment with a third party bank for my Wells Fargo credit card was cancelled. Because of this cancellation I incurred a late fee as well as a late interest on my credit card. I paid the balance in full for the previous statement and called to speak to a Wells Fargo credit representative to have the late fee waived and they are looking to potentially reverse any accrued interest I may have received. However, the option to setup monthly payments for my credit card is no longer available from my Credit card account. The only payment frequency that exists now is one time and the rest have disappeared from the website. 

I spoke with the credit card services department as well as online banking to explain to them that this is a serious issue to have removed the automatic monthly payment option now that I have added a new checking account. The only option I have now to automatically pay my credit card each month, outside of sending them a paper form to setup automatic payments again from my third party bank, is is to enroll in their online bill payment program and have my credit card paid using this option. This is unacceptable and appears to be an abuse to force users to not only enroll in their bill pay service, but I believe it was in fact Wells Fargo who cancelled my automatic payment once my checking account was created which caused me to incur a late charge and fees for that month.

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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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