BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
Company: Global Lending Services LLC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 15 use 1681 section 602 states I gave the right to privacy. 15 use 1681 section 604 a section 2. It also states a consumer reporting agency can not furnish a account without my written Instructions. 15 use 1666b a creditor may not treat a payment on a car loan account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
XX/XX/2023 spoke with customer service requesting foreclosure sale be canceled and I had not received letter with foreclosure sale date. Submitted request for mortgage assistance with income. Wells Fargo mishandled processing of mortgage assistance application and mortgage loan financing for my home. My home was financed with a line of credit instead of a FHA loan that I requested. Have spoken with the executive office XX/XX/2023 they admitted my loan was incorrectly processed Also I have not received a foreclosure letter from the foreclosure attorney. The state of Tennessee requires me to receive a notice of foreclosure 30 days before foreclosure of my home. I was told I was mailed Trial modification I never received the papers. I am being told they will not move my mortgage request from intake to loss mitigation it sitting in intake it has been there. I have submitted my request 3-4 times last 6 months. I am a senior citizen don't want to lose my house to foreclosure

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 2017-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 am a victim of identity theft. I have fraudulent and unauthorized credit card and collection accounts and hard inquiries listed on my  Trans Union ,  XXXX  and   XXXX    credit report. I filed a police report with the  XXXX   XXXX  Police Department and the police report case number is :  XXXX , the following credit card and collection accounts and hard inquiries are fraudulent and unauthorized :    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 2023-10-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I previously notified Experian that I found fraudulent information on my credit report. Instead of blocking the reporting of this information as instructed by congress they claim that they did an investigation and updated the information, but failed to let me know what was updated. I am entitled to review any information attached to my credit file. I want to see the name of the person that verified this information, what was updated and provided me with proof that this information came from a first-hand source that has first-hand knowledge that the account belongs to me, and that the information provided was in fact 100 % accurate. If this can not be provided, please remove the named accounts immediately! 15 days should be enough time to get this 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 2022-10-31
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: Their investigation did not fix an error on your report

Complaint:
I have a repo with XXXX XXXX on my credit report in which I do not dispute owning the account, my dispute has been the repo itself and the failure to provide me the documdnts required by law regarding this matter I have reached out to the company multiple times and there has been no response, I disputed these facts with Transunion who responded they investigated this matter and determinef I own the account again I have not disputed ownership, XXXX XXXX is reporting I owe approx. {$9000.00} yet has failed to provide requested documentation in regards to this repo such as the vehicle resale 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 2023-12-14
Company: MOHELA
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a letter from Mohela on XX/XX/2023 that my student loans have been forgiven. I kept watching the XXXX credit bureaus to see if the balance would drop to XXXX. I placed a dispute with all XXXX credit unions in XX/XX/2023. They came back with no change, full balance. I called XXXX on XX/XX/2023. They said it should be cleared off by XXXX. It still shows up on all XXXX reports as of today XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I received money for services via Cashapp. I attempted to add my bank account and transfer funds to it, but they don't give you that option before you add a debit card. I added my debit card and transferred roughly half of the funds. Afterwards I was able to add my bank account. I did such and removed the linked debit card. I sent the remaining funds to that account. However Cashapp sends a text and app notification when a card or bank account is added or removed. Following the adding and removal of my debit card I received such messages and notifications. However following the adding of my bank account I received a notification and message that my babk was added, followed by a message that my debit card which I had removed and got notifications and messages that it was removed had been ADDED to the account. I immediately called Cashapp customer support to inquire why information I had explicitly revoked permission from them using in the form of removing it from my account was being added back without my permission. The person I spoke with was particularly rude and disrespectful and said without verifying and providing even more personal financial information they wouldn't address my issue qbd could only answer feneral questions. They already linked a debit card I explicitly removed so I had no trust in their integrity in regards to data protection regarding my finances, much less provide them with even more sensitive data before they would address what is either a glitch or an intentional, malicious disregard for privacy. So I told the customer service associate I had a general question and wanted to know how it was legal for them to add a debit card back to my account after I expressly removed it following me adding a bank account. The operator refused to answer the question until I provided my social security number, which is the most personal information a person owns as far as finances go. I suspect they're forcing people who won't provide a social security number, which they can not obligate customers to use, to utilize debit/credit transactions which fees. This would be opposed to direct bank account transactions which do not. This can not be the way a financial corporation is allowed to operate in the United States, while actively coercing and extorting consumers, half delivering services unless they provide more sensitive data than is necessary, and holding onto data after permission has been revoked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX and my enrollment status reflects this on the XXXX XXXX XXXX website. On Mohela 's website it says that I am in repayment ( now forbearance since XX/XX/XXXX ). I have contacted Mohela multiple times ( documentation attached ) to update my status to " in XXXX XXXX ''. When I email, I receive an automated message saying that they will respond to my message in XXXX  days. I never get a response. I have called 5 times now and when I talk to someone, they tell me that they have put in a request for my account to be updated. They see that XXXX XXXX XXXX XXXX  and that I have submitted the correct documentation. The reps are just as puzzled as I am as to why my account is still in repayment, but they are not allowed to make this change they have said. My enrollment documentation from my school was submitted on XX/XX/XXXX, but now when I check in Mohela 's website on the " documents I have submitted '' section, it is nowhere to be found, when it was there before. I have been calling and messaging since XX/XX/XXXX. My account still reflects that I am in repayment and I keep receiving bills in the mail. When I spoke to the last person on XX/XX/XXXX she said that whoever put in the request to change my status the first time in XXXX " did it wrong ''. I asked to speak to a supervisor, she let me know that I was not allowed to. The customer service reps are able to offer me forbearance and put me on forbearance, but they are unable to change my status from " repayment '' to " in school deferment '' when this is my status on the XXXX XXXX XXXX website. Their hands are tied. Makes no sense. The rep I talked to on XX/XX/XXXX said that my request submitted in XXXX was not even viewed yet by whoever needs to make this change. I need this to be updated. I need someone to actually fix this and not keep passing it on to another group who isn't doing what needs to be done. I initially filed a complaint against Mohela on XX/XX/XXXX but my case was closed. I am going to continue filing complaints against Mohela to CFPB, my XXXX XXXX and XXXX until this is taken care of. I have attached screen shots of their automated messages and lack of response. Please, can someone get this issue resolved?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a loan with Quicken Loans and based on the 3-major credit agencies I have a score reported over 650. To refinance you need a min score of XXXX. Quicken loans came back with a reported score of XXXX, which is suspect as how could they come back with a score of almost 50 points lower than my highest score of XXXX. If they the result was based on my DTI or income I could understand, but I feel they are using a score model that is not favorable to minorities or individuals that choose not to disclose their race or ethinc background.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
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: Account information incorrect

Complaint:
Experian is reporting these XXXX account XXXX as having a balance and being severely late however the data furnisher is reporting in my account on their website that I am being issued a refund due to the fact that the merchandise was never in my possession and therefore should not be reporting on my credit report. This is a clear violation of the Federal Consumer Reporting Act section 611 regarding the CRA sole responsibility of only accurate and verifiable information and the FCRA LAW 605B which enables this and all reporting that is fraudulent inaccurate and erroneous to be deleted permanently from the credit report. EXPERIAN has violated this law on several occasions and I am seeking damages for lost of wage, shelter and creditability because of the inaccuracy of reporting for the amount of XXXX which account for the several occurrences in which I have had to reach out to Experian regarding this and other inaccurate claims each occurrence of damages of XXXX per incident totaling 25 incidental occurrences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1.XXXX XXXX {$1000.00} has violated my rights. 5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. your company has been reporting this account inaccuratly has failed to remove it from my 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 2022-09-13
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have attached a file with all incorrect information on my credit report. I went in to a dealership to apply for a car loan and found my credit ran numerous times without my permission, causing tons of inquiries to be added to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There are currently  XXXX  bankruptcy tradelines showing on my cred it report.    XXXX  #  XXXX , and  XXXX .   Per my credit report transunion is list their source for this information as ILLINOIS  XXXX  COURT-  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  (  XXXX  )  XXXX  Upon calling and writing the source the have stated to me that they do not verify anything with the credit bureau. I have formally disputed these bankruptcies with transunion only to be told that they were verified

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 2022-09-23
Company: PNC Bank N.A.
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This is also connected to my complaint with XXXX XXXX # XXXX, XXXX has been totally cooperative! PNC Bank is the problem! PNC Bank is very aware that there is an internal problem with receiving transfers. PNC is doing this to hundreds of customers and accessing late fees and daily fees. I filed a complaint with the XXXX XXXX XXXX and one of their executives responded to my complaint. She wanted a detail of all payments to PNC Bank and now the want the RPPS Sheets stating how they sent the money. Either someone internally is stealing monies, or the bank as a whole is because I have been with XXXX since XXXX of XXXX and there were no issues until XXXX, XXXX. They have assessed a {$40.00} fee for XXXX payment when it has been sent to them and soon, they will be assessing another fee for XX/XX/XXXX. I really need this to be investigated immediately. There are hundreds of customer going through this and someone needs to step in immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had some financial difficulties at the start of the Covid-19 Pandemic but never missed a mortgage payment. However, I visited XXXX XXXX website in XXXX 2020 to just request basic information about mortgage assistance options just in case things got worse. Unbeknownst to me, and without my authorization, permission or disclosure, Wells Fargo placed my loan in forbearance. My mortgage payments are auto-debited from a checking account held by Wells Fargo which has at least 3 months of payments available at all times. Without authorization or permission from me, Wells Fargo discontinued the auto-debits for my mortgage payments. 

At the same time this was occurring, I was also seeking refinance options to replace my unaffordable, adjustable-rate mortgage with Wells Fargo with a fixed-rate mortgage at the historically low interest rates. I applied with another lender and was pre-qualified for a fantastic interest rate and a much lower payment. However, in XXXX, that new lender notified me that my Wells Fargo loan was in forbearance and, therefore, I was denied and could not get the refinance loan. 

Wells Fargo has trapped me in their unaffordable, adjustable-rate mortgage and my credit is severely damaged by their wrongful forbearance scheme. 

Once I discovered their fraud, I attempted to cure the missed payments, but Wells Fargo repeatedly misapplied my cure payments. It took months just to get the cure completed. However, my credit still shows those months without payments.

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 2023-10-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1600.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$700.00}.

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 2023-08-12
Company: Experian Information Solutions Inc.
State: TN
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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXXdays. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Inquiries that are being challenged 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 explanation