BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: WELLS FARGO & COMPANY
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023 my Wells Fargo account was hacked into and two ( XXXX ) XXXX transfers were criminally made without my actions or approval. On that day there were numerous spam calls and messages to my computer and devices. During that time I noticed a message saying that a new XXXX payee was added to my Wells Fargo account. I quickly logged into my Wells Fargo account and saw where two ( XXXX ) XXXX transfers had been made to a XXXX XXXX, XXXX for {$1000.00} and one for {$990.00}. I dont know who this person is and did not initiate or authorize these transactions. 

I immediately called the Wells Fargo dispute line and reported the fraud. They took all my information and gave me a case number. I was told they were closing the account that was attacked and were opening up a new account to replace the old one. Remaining money from the old account was transferred to the new one. They told me to create a new username and login with a new password. I was also required to use a remote Secure ID to login. I was never required by Wells Fargo to do this before even for XXXX transfers. The XXXX transfers before were transferred almost instantly. I only had XXXX XXXX payee in my account and that was only to transfer money from my Wells Fargo account to my other bank account. 

I called daily to Wells Fargo XXXX XXXX and they always told me that investigations were still ongoing. On XX/XX/2023 I received a letter dated XX/XX/2023 from Wells Fargo stating that my fraud claim had been denied because they had determined that the transactions had been authorized by me. This is absolutely not the truth and is an insulting and libelous statement. It is obvious that Wells Fargo had serious flaws in their account security systems for letting this happen. Whats worse is they refuse to compensate me for the thefts from my account. 

According to my investigations these XXXX frauds have happened on many Wells Fargo accounts during the last several months. Also, these fraud transactions are covered by the Consumer Financial Protection Bureau, Electronic Fund Transfer Act, XXXX XXXX Wells Fargo is obligated to reimburse me for these fraud thefts and I will pursue all actions to insure this is done.

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 2017-10-19
Company: Copper Lake Financial, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On my XXXX and XXXX report my account with Copper Lake Financial shows a XXXX balance and account closed. It shows as open with an {$8000.00} balance on my XXXX report. The same holds true for my husband. I initiated a dispute to have this corrected on my XXXX credit report and Copper Lake Financial reported back that the account was accurate and would remain the same. This needs to be fixed to reflect consistent with XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is 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
Consumer complaint received 2021-01-28
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
LVNV Funding is trying to collect on a debt that is not mine! I recently received a letter stating that I had a collection for a XXXX XXXX account and it had an outstanding balance of {$1500.00}. This is absolutely ridiculous! I have never opened an account with XXXX XXXX so there is no way that this debt is mine. The debt clearly belongs to someone else and they need to figure out who because I should not be facing the consequences for someone else 's mistakes. This needs to be removed immediately from my credit and the debt should go to the correct person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
TransUnion is not updating and reporting the current balances on the account. XXXX XXXX has reported a balance of {$1200.00} on XX/XX/2023 and TransUnion failed to update the balance and then also failed to acknowledge a mid cycle update a few days later in XXXX as well for the current balance of {$1000.00}. Therefor failing to report a credit an accurate debt to ratio percentage.

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 2020-02-26
Company: DISCOVER BANK
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Application # XXXX I have applied for a home equity loan with Discover Bank. My application ( #  XXXX ) was denied. I am told that it is because my debt-to-income ( DTI ) ratio does not fall within the guideline. I have inquired about the details. I was given some broad numbers on how the DTI was calculated. I have noticed that the rental income was off by about {$1000.00} per month, but the lender is not providing how they came up with the rental income calculation that leads to this number. 

I have asked XXXX XXXX ( NMLS ID XXXX ) who is the Senior Loan Specialist that I am working with fro details on how the income/loss of each property was calculated. She is stating that I she can not share any additional details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: NCB Management Services Inc.
State: NJ
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:
NCB MANAGEMENT SERVICE i have sent my FTC affidavit it is also attached to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
There appears to be some sort of software glitch when attempting to register for online access. Before completing the process the system assigns a random user name. Then, the system will not allow access to the account using that user name. Today I attempted using the chat service online to resolve the issue. The person identified as " XXXX '' kept disappearing. He didn't even ask what I wanted. He just told me to fill out a form. Which I did. Then, he disappeared for about 5 minutes. I was asked to verify my phone number. Then he said he could not use that number to verify my information. He said I'd need to call. So I called and spoke to one person and they said I'd need to speak with someone else. When that person came on I could barely hear them, as they appeared to have their mouth too close to the microphone. This person said that they were unable to verify my phone information. He then said he needed to end the call and call me back. Then they never called back. I called to speak with another person. That person claimed that the person I spoke to before him should have told me that they needed to send me a letter in order to enable me to have online access. Which didn't make any sense. I hung up and called back and asked to speak with a supervisor. This supervisor, who said his name was " XXXX '' was extremely rude. Claiming that I interrupted him after asking him a question and didn't let him explain. It's true I may have interrupted because i may have thought of something else to say. But, it was the condescending way he put it. Talking to me as if it was some sort of joke to him. His attitude was very unprofessional. He treated the entire phone call as if it were a prank. At one point, in response to his flippant attitude I asked him " is there how you talk to your customers ''? His response was to sarcastically say " are you my customer ''? Which was his way of confirming it is the way he talks to his customers. He refused to give me any information regarding his supervisor. Saying he didn't know. The only information I was able to get was his name ( XXXX ). He claimed he worked in Florida. The entire phone representative staff treats it all like they are pulling pranks on the people that call. Worst customer service experiences I've ever had.

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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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
Consumer complaint received 2020-02-29
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been very ill, and on XXXX for many years and paid little attention to a private student loan I took out twelve years ago in California to return to school to complete my degree. For years, I did my best to make interest only payments but did not monitor my loan accounts until I recently applied for a XXXX Discharge and discovered several " impossible errors '' with Navient 's online financial records and data. After months of research I discovered that a serious error has been made in regards to a Private Student Loan I took out with Sallie Mae ( now serviced by Navient ) in the Spring/Summer of XXXX to attend XXXX XXXX XXXX in XXXX, California. Navient claims that I took out two seperate loans in the amount of {$4500.00} each but I think this is 100 % inaccurate since I attended the school only halftime both term and there is no way that Iapid {$9000.00} for three course. Navient has mailed me photocopies of what they claim to the original promissory note, however I am almost certain that the note has been altered, and was either lost and re-typed, or who knows? Impossible to believe but I can prove without any doubt that they have made other " impossible errors '' with my accounts. The promissory note has my phone number lister incorrectly two times out three times I was required to list it, and is completely blank in the section ( Section D ) that the school and the school 's financial aid were required by law to fill out. Yet there are no signatures, no names no official stamps, no loan disbursement dates on the note. The school section is 100 % BLANK. Unfortunately too many years have passed for me to check my own personal bank records to verify deposits I made during that time, so I require my entire student file from XXXX XXXX XXXX, along with a Student Ledger, and any copies of anything I may have signed 12 years ago to properly review, research and audit everything anything connected to my return to XXXX XXXX XXXX in XXXX, and the loans I am being told that I owe. HOWEVER ... despite multiple efforts by both myself and a Navient Customer Advocate to reach the school, multiple messages since XXXX of XXXX, multiple e-mails to the registrar, accounting, and the Director of Admissions ( a kind lady who knew me back in XXXX XXXX, NO ONE FROM XXXX XXXX XXXX has returned a single e-mail or phone call. I need help to reach someone at the school, anyone, who can help me get a copy of my student file and any/all loan information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is an attempt to correct my EQUIFAX, XXXX, and XXXX credit report ( s ). I have identified fraudulent accounts and inquiries on my credit reports and need to report identity theft. Please remove and block the accounts below. 

XXXX XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX - - {$740.00} XXXX XXXX XXXX XXXX XXXX {$900.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting for these accounts to blocked and permanently removed from my credit report ( s ). These accounts and inquiries are fraudulent, unverifiable, and violate my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a loan modification done in XX/XX/XXXX. The principle amount as of XX/XX/XXXX was {$350000.00}. Several months into this loan, they transferred it to a new company. This company has changed names, but it's been the same one since early XX/XX/XXXX. 

In XX/XX/XXXX, I received my mortgage statement stating that I owed {$77000.00} for the next payment. I called and asked what that was about. They informed me that it was an error on their side and that they would be taking care of it. I then received several more statements over the next few months with several different amounts " due immediately. '' I kept making my payments as usual and also called several times during this to ensure I wasn't missing anything. They insisted it was their mistake and they were fixing it. 

I finally received a statement in XX/XX/XXXX that looked like it was back to my normal payment. However, the principle amount had gone all the way up to {$350000.00}. This is more than what it was 3 years prior when the loan was modified. 

Since then, I have repeatedly tried to contact them ( both in writing and via phone ). Sometimes it takes several attempts to contact them before I receive a notice saying they are investigating. Each time they have been " investigating '', they have come back later and either said they have resolved the issue ( without telling me what it was ), or that they can not continue because I didn't supply the supporting documents that they had requested and so have closed the dispute. In EVERY case of the latter, I never received any kind of communication or request from them. 

I have seen on the payment history, downloaded from their site, where they have taken the money out of my account starting in XX/XX/XXXX for " reallocation, '' however, there is no record or explanation of where and/or why it was reallocated. 

I am currently selling my home and today, XX/XX/XXXX, almost 4 years after the modification, my payoff statement is a dollar figure that almost exactly the principle amount from the origination of the loan. 
XX/XX/XXXX Payoff statement : {$350000.00} XX/XX/XXXX New loan amount : {$350000.00} I have never missed a payment. I have copies of my bank statements that show every single payment since my modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Experian Information Solutions Inc.
State: MI
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 tried to use my FCRA rights with all three credit bureaus ( Experian, XXXX and XXXX ) by requesting the exact same, sent at the same time. Issue was, nothing was done. Monitoring this platform, ensuring we just do this right and be done. 

My name is XXXX XXXX XXXX, I have requested all the credit bureaus to make multiple changes between CFPB, EXPERIAN, XXXX and anyone else 's that would listen I want AGAIN after I sent letters two months ago no response three credit bureaus. 

Please, all I want is my credit and financial FICA/FICO 's rev-elevated, ensure all three bureaue 's have the same personnal information as I expressed to each of them, one name : XXXXXXXX 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 2022-10-21
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$2300.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX Inquiry on XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/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 2020-02-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : BK OF AMER XX/XX/XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 explanation
Consumer complaint received 2020-02-29
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid 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 have a Synchrony Bank mastercard that was issued to me by Samsclub store over 10 years ago when their store was open in XXXX. The club closed in my area about 4 years ago but I kept using the master card. The creditcard has rewards similar to many other credit cards. I was given my rewards since the store was closed either by check or credited to my master card. 
In XXXX of this year I got an email from Samsclub that says my rewards could be only redeemed in cash in Samsclub stores or used as a credit to buy from their store. 
Later on XX/XX/XXXX I got another email that says my rewards was ready and could be cashed or used to pay at their store. I called The Mastercard customer service on XX/XX/XXXX following this email to inform them there was no a single store in my area. I made them aware that Sams club stores were closed about 4 years ago. Hence there was no place I could go to cash it. Instead I asked them to send me a check as before or credit me to pay for my mastercard purchases. 
They told me that they could not do it now due to a change of policy. When I asked when the policy was in effect, they told me it was there. Why was I not informed about it when I was paid in the last consecutive years with a check, I do not know. Not only that, I had also made a call on XX/XX/XXXX to know about the status of my rewards. I was told by the customer service that they would send me a check sometime in XXXX of XXXX since there was no Samsclub stores in my area. The call, I believe, is in their records. 
They are not consistent with their their information. One would expect they would inform their customers of the effective date when the policy would apply. They can review their records what they told me in XX/XX/XXXX and in XX/XX/XXXX. They need also to see why they paid me for the last three years by check or credited to my master card and now they are insisting I can only use it in their store. 
I am totally unhappy with their service and I hope someone above me tells them to respect their customers and be consistent with their policy. This is not the first time I had to tell them about the closure of the store in my state. There is a disconnect between the policy makers and where their stores are located.

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