BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX CContacted the us department of education loan services and explained the error and that i haven't receive any communications from them regarding my status.I enrolled in the income drive payment plan. 

XXXX notified experian, XXXX, and XXXX the error

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: ENOVA INTERNATIONAL, 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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Between XXXX and XX/XX/2018, while dealing with a severe injury that limited my mobility, my roommate XXXX XXXX stole my ID, wallet, and phone. He fraudulently used my personal information as his own, including making unauthorized charges. These charges began on XX/XX/XXXX, including a {$1000.00} charge at XXXX XXXX XXXX XXXX. Other unfamiliar charges like {$6900.00} at XXXX XXXX XXXX XXXX also appeared, which I didn't authorize. I discovered these fraudulent activities by the end of XX/XX/2018, and I promptly reported them to Wells Fargo. The only legitimate charge I made during this period was for XXXX XXXX XXXX payments. 
I possess XXXX records of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  making it implausible for me to have used the card physical.

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 2023-10-21
Company: Experian Information Solutions 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:
Please be advised that I am aware that you assumed a vital role to assemble and evaluate consumer credit and other information on me as the consumer. The fair credit reporting act was intended to ensure that you exercise your grave responsibility with fairness, impartiality, and respect for the consumers right to privacy! Congress requires you to adopt reasonable procedures for meeting the needs of commerce in a manner which is fair and equitable to me with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. Congress makes it clear that I have a right to PRIVACY as a federally protected consumer! You continue to violate and disrespect my right to privacy which is a direct violation of the FCRA and the gramm leach Bliley act! I did not consent or authorize for you, or the people mentioned below to use or share my nonpublic personal information. Please be clear that no consent or authorization id IDENTITY THEFT! Your willful noncompliance has resulted in identity theft which I demand to Cease and desist! Pursuant to 15 us 1681a ( 2 ) congress makes it clear that a consumer report does not contain any transactions or experiences. As a result, I am demanding for the following transactions and or experiences to be updated in accordance with my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: SERVICEMAC, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We opened the mortgage in XX/XX/2022 with a 10 % down payment, so the loan included XXXX. I requested to have the XXXX removed because we added XXXX square feet to the home which significantly increased its value. I have recent appraisal from a home equity loan we opened showing the current value of {$580000.00} ( original loan amount was $ XXXX ), which we sent to the servicer. The value after XXXX makes the XXXX approximately 75 %- which should satisfy removing the XXXX. I can not get them to resolve this by phone. Each time I call the service center, Im either put on hold forever or they take some information and send me form letters denying the request stating the XXXX is 88 % even though Ive provided proof of current value- they just arent reading any of the documents Im sending them. Please help

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 2023-06-23
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2023 I made a payment to XXXX Ads in the amount of {$1000.00} via XXXX, carefully selecting my XXXX XXXX as the funding source. When I logged into my Wells Fargo Checking account the following day I noticed I was overdrawn by over {$600.00} and charged an overdraft fee of {$35.00} for the {$1000.00} transaction that was only authorized to be charged to my XXXX XXXX. I immediately called XXXX to inquire about the incorrect charge and was advised that the XXXX XXXX declined the transaction so they automatically charged the bank account ( Wells Fargo Checking account ) I had on file, which I solely use to accept deposits from business sales. The customer service representative stated that if a credit card is declined they automatically charge a " backup '' account, which they stated was the Wells Fargo Checking account. I have never been presented with any sort of disclosure or information stating that I've designated my checking account as a backup account. XXXX should have just declined the charge and informed me that the charge was not approved. 

Unfortunately Wells Fargo posted the transaction immediately and I wasn't able to put a stop payment on the charge so I had to file a dispute to have the charge removed, which takes XXXX business days, meanwhile my Wells Fargo Checking account is maintaining a negative balance and they continue to post ACH debits, causing me to incur now five overdraft fees, digging the hole even deeper. I am not allowed to speak directly to the claims processing team to get the charge reversed immediately. I'm told I have to wait, with my account exposed. The banking side at Wells Fargo will not allow me to freeze my checking account to stop the bleeding while they take 2-10 business days to make their decision. All of the deposits that automatically flow into that account are being evaporated by the overdraft fees that continue to rack up. 

HOW IS THIS ALLOWED TO HAPPEN? I have absolutely NO control over my money or how it's spent. Please look into this, both in regard to XXXX failing to disclose or clearly notate on the account dashboard their policy to run multiple accounts after me only authorizing one single account for a charge, and also please look into this issue with Wells Fargo letting my checking account bleed out of control for 2-10 business days while waiting for a decision, not a refund guaranty, but just a decision. All the overdraft fees that have occurred should they decide not to refund the charge will be my responsibility while I have no choice but to sit here and let my account bleed out. 

This is NOT okay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TD BANK US HOLDING COMPANY
State: NY
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:
On XX/XX/2022 a charge of {$4600.00} from XXXX XXXX  was noticed on my TD bank N.A. credit card.I contested with cc co.case # XXXX after investigation said I am responsible for charge.I filed a police report # XXXX, and no billing or video was found.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This collection is listed on my XXXX credit report but not my XXXX. In addition, I was not informed of this debt. Please validate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-08-14
Company: EQUIFAX, INC.
State: ND
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: AZ
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 Report act XXXX XXXX XXXX  XXXX XXXX # XXXX, Collections : XXXX XXXX XXXX ( XXXX XXXX XXXX ) # XXXX has violated my rights. 

15 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: OH
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: World Omni Financial Corp.
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:
I do not recognize how this account is reporting on my credit report. I do not recognize the account number. I do not recognize the account status. I do not recognize the account high balance, nor do I recognize the late payment associated with it. Everything reported here does not meet the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-08-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 I was reached out by a guy name XXXX about bitcoins. At the time it seemed like he was honest about what he was doing. He informed me that he could make me more money if I sent him money thought XXXX XXXX It seemed 100 percent legit and proceeded. So I sent total of XXXX dollars thought XXXX XXXX XXXX bitcoins. I did not received anything from him and filled a fraud/scam to my bank fifth third. The first time, I did not tell the truth because I was jus dumb founded about what happened. Then the second time, I told them this guy did not deliver as promised. Both claims denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: MOHELA
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am trying to contact the servicer for my student loans MOHELA. I was recently transferred to this servicer. Each time that I try to call the servicer for my issue the phone tree gives a nearly 3 minute message about call volumes and then says transferring to an agent. The system then disconnects. I have called on multiple occasions. 

I have attached a screen shot of my payment summary. I submitted a payment of {$2500.00} total. I wanted to pay off loan number 5. And I wanted the rest of the money to go to the interest/principle outstanding to loan # 1 so it can be paid off sooner ( {$1200.00} ). I don't want any of it to be applied to loan # 2 My employer is paying me XXXX month specifically for my loans so it is important to me that this money be applied correctly. It was not clear to me from the website how to do this. Additionally there is no transparency from MOHELA as to how they apply funds. Without being able to talk to anyone from MOHELA it isn't easy ( or timely ) to correct these issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 sent a complaint dated XX/XX/2023, I complaint against these accounts : XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$42000.00} XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX  XXXX Balance : {$45000.00} It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof. I included these accounts in my last COMPLAINT and I hope that the accounts ' erroneous status will be fixed. Consider this as a follow-up complaint in line with my previous endeavor.

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 2022-09-13
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I'm reaching out regarding the Checking account i have at Truist Bank. Truist bank accessed several Overdraft fees on my account and took my account negative. Even after my account became negative due to all these fees. Instead of declining they accessed more fees. Year to Date from XX/XX/2022 till XX/XX/2022 they charged approximately XXXX XXXX I tried reaching out to their customer service several times and they are not helping to resolve the issue. I atatched all my statements and we can see all the overdraft fees charged every 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 explanation
Consumer complaint received 2023-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This particular issue has not yet been brought to the attention of the Consumer Financial Protection Bureau ( CFPB ). Unlike my prior attempts, which were swiftly concluded with the inaccurate assertion that " The CFPB has dismissed this complaint due to its prior handling of your grievances regarding this matter, '' it's essential to clarify that this is an entirely novel concern necessitating resolution. It is evident that this issue is distinct from any previous problems and warrants a thorough and separate examination. Your prompt and accurate attention to this new matter is greatly appreciated. 

Capital One 's decision to close all four of my credit card accounts was based on the occurrence of returned payments on three out of the four accounts. I promptly rectified the situation on my own, addressing the issue without delay. It is important to emphasize that prior to this incident, I had maintained a flawless payment history and had never missed a payment. Despite these facts, I find it perplexing that Capital One has taken such drastic measures without providing any form of communication, whether through phone calls, emails, or notifications. 

In my interaction with a customer service representative, I was informed that there seemed to be no avenue for recourse in this matter. I was advised to direct my concerns to the general correspondence department, an action I have already taken. Regrettably, even after following the prescribed course of action, I have not received any acknowledgment or response from Capital One. 

Given these circumstances, I implore Capital One to reevaluate its stance on this issue. It is evident that my immediate correction of the returned payments demonstrates my commitment to responsible financial management. I am left feeling both perplexed and unsupported due to the lack of communication and avenues for resolution. I respectfully request a comprehensive review of this situation and a timely response to rectify this matter. Your prompt attention to this issue would greatly alleviate my concerns and help restore my confidence in Capital One 's customer service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: Mr. Cooper Group Inc.
State: IL
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:
My loan keeps getting moved around as the mortgage companies keep getting bought out. First my loan was through XXXX then to XXXX then to Mr. Cooper and now Nationstar. Every single time my loan gets moved around, the month that their transition happens the new lender marks my mortgage as 30 days late. I have NEVER been late on my mortgage, it gets automatically taken out of my bank account every single month. Every time this happens I call the lender and they tell me there is nothing they can do and I have to dispute it on my end. This is negatively affecting my credit score for no reason and it's not fair that I suffer the consequences. I have no say in my loan being moved over when the mortgage company gets bought out and I have never done anything wrong. None of these companies have ever been willing to fix this and they have no explanations for why it keeps happening. To me this is illegal, I am paying every month exactly like I should and I get punished because they sell their company to another. I have been able to get a couple of them fixed but I have a new one from Nationstar and I absolutely have proof that I paid it and they won't reverse the late payment mark. I also have one from XXXX last year that has not been reversed that I have fought.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation