BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX have my ssn wrong, when I had an original complaint they were unable to located my information due to the fact that they had my information wrong in the system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: ID Analytics, Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX relied on credit information provided by a company called SageStream LLC which incorrectly indicated that my credit score is XXXX. All XXXX of the reputable and actual credit reporting agencies ( XXXX, XXXX and XXXX ) all show my credit score from XXXX to XXXX. The incorrect info from SageStream resulted in XXXX requiring a {$500.00} deposit for each account which made it prohibitive to have service for what I needed. SageStream provided my credit report upon my written request but they had absolutely no account information on their response so I had nothing to dispute. They are giving out false and inaccurate info which is causing damages to me and they are not providing supporting information as to how they came up with their credit score. This is very detrimental to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Credit Karma, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Credit Karma is suppose to help you with your credit, however they don't they tell me to sign up for loans and i don't get approved. Then my credit goes down for a hard inquiry and I don't get approved for anything after taking all my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoke with a representative named XXXX. He said I owed {$120.00} but I disputed the amount. I owed {$96.00}. He spoke fast, he changed the amount on the debt 3 times during the call, and he lied and said they were a paperless company when I asked for a print out of my bill. XXXX did not direct me to the web site where I could put in my account information and see the correct amount. XXXX said they were a paperless company but they had sent me a paper invoice a week before.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Im buying a house, my mortgage company found a loan that I didnt setup or sign up for with citizen bank. Been trying to remove the loan from my name and credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I had an issue paying my property taxes and called Wells Fargo Hime Mortgage to discuss the issue in XXXX of 2015. I was given the option to setup an escrow account with a 5 year repayment which truly would help my situation and be something I could afford. A couple of weeks passed and I did not receive any correspondence. I called again and was assured that it would be handled. A couple of weeks passed after that and I called again and was told a third time this could be done. A few weeks after that, I received a statement requesting repayment of the escrow in XXXX payments. They had paid my taxes and presented me with only a XXXX payment repayment plan without asking if this was ok. I had other means to partially pay my tax arrears and would have done that. They made a decision without asking me and now I owe them $ XXXX and this would raise my monthly bill by over {$1000.00}. I called back and was told the rules changes and they could not offer a 60 month repayment. Now my mortgage payment is very expensive and they have told me I could look into XXXX to lower my payment. This is not what I wanted to do. I am upset with the process because I was told what my options are picked an option that suited my budget and then they pulled the option saying it was no longer available. If the process was completed when I originally called in 2015, I would have the plan I requested, but Wells Fargo has no regard for their customers.

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 2015-07-01
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MI
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
Trying to get my money refunded. Sent money through MoneyGram, receiver did not get paid. Walmart tried to help but their call with MoneyGram was cut off. The only reason MG gives is that " it is under review ''. It takes about XXXX mins to get a live assistance on their XXXX number, IF lucky to get someone, the call is cut off after a few minutes. Money was sent using the " XXXX minute '' delivery service on XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-12
Company: M&T BANK CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had/have been trying to get a modification of my mortgage since XXXX. I kept asking and asking to no avail. Hudson City Savings Bank said that since they did not take any " XXXX '' money I ( and every homeowner through HCSB ) was not entitled to any of the government programs that COULD AND WOULD have SAVED my house. I 've now spent {$15000.00} on an attorney for the past 2+ years ( and I am on XXXX and get a small amount ). My house is now up for Sheriff 's Sale. I am now trying to get a modification through M & T Bank who bought out/merged with HCSB I do not know what will happen with M & T. But I should not have suffered all these years with calling and writing letters every month asking for HELP.Through all these years HUDSON CITY SAVINGS BANK did NOT offer any alternative programs to HELP save my home. They never even responded to any of my numerous letters or phone calls to discuss options. It was as if I never existed. This is NOT how a BANK that profited during the financial crisis should treat their customers. When the " late '' CEO XXXX XXXX got an average salary of $ XXXX a year ( over a 5 year period of time ) during XXXX, see Forbes article, and overall $ XXXX in stock options. 

" The Financial Crisis Inquiry Commission Report '' XXXX says and concurs that the Banking/Financial/Investment institutions WERE at Fault and caused this economic collapse ( and they benefited in the millions of dollars ) so why do I and every other home owner now suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
7 years ago I started re-fi with my mortgage company. 5 years later and XXXX refinances that they constantly squelched, they sold my loan to another bank when we were at the end of the XXXX modification and it was a paper away from being finalized. The new bank than attached an additional {$84000.00} to my loan. XXXX offered me 2 % for 30 years, XXXX bank 2 % for 5 years. Totally XXXX on this one. Of course during the 5 years XXXX XXXX would not let me make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Once again I have been trying to get a loan modification on my home for a year and overtime I would submit information that has been sent back for the same information submitted. I have submitted information in duplicate and triplicate. This has been a very XXXX frustrating dilemma for me and my family to say in the least. Wells Fargo has never given me an answer instead they have kept moving the sale date and asking for the same information. The last piece of information was a explanation from my XXXX who had a major XXXX XXXX and has been hospitalized since the XXXX week of XXXX. Due to this affection I was unable to get the information requested. I tried to explain it to my rep, what transpired but he stated unfortunately their was nothing that they could do. This has been ridiculous on how I have been treated through this whole ordeal. Regardless whatever they asked for I would bend over backwards to submit. Hopefully you can understand how I feel having to go through this for a year. All I ever asked from Wells Fargo was a chance to get a trial modification to work on saving my home, but it seems like hey have a vendetta with my loan and the games that they are playing are really affecting my family 's well being. I also am in a class action suit against Wells Fargo on sub prime loans which they dropped my principal but again they raised it. Enclosed you will find the information that has been sent to Wells Fargo. Since now I am facing a XXXX XXXX sale in which they did not postpone I need the current situation to be amended so that I can save my home. Attached you will find information that proves I have complied with Wells Fargo. My prior as number is XXXX. This is my second filing due to the fact I had been told on numerous occasions that underwriting had everything that they needed but always needed the same thing that had been submitted. Enclosed you will find the numerous times that they have assured me that they have everything that they needed to move forward as well as a list of items documented in duplicate and triplicate.

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 2016-10-22
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was in the process of purchasing a home and had some issues negotiating down my interest rate. The lender was dragging his feet on locking in my rate. That should have been the first sign of trouble, however we tried to stay on top it. When we were given the final numbers, we did not accept the interest rate at the time because it had jumped to a 4.25 We were initially working with the 3.625 rate. The lender tried to give us some excuse that it was out of his control. So we told him that we would like to decline, we would not be able to afford the new payment of XXXX with the rate he tried to give us. He asked us to wait so that he could " work some magic '' with the numbers. He finally said i did it, i got you a 3.625 and your new payment is XXXX. We were a few days from closing, I had already paid a deposit that I would surely be losing, and we had only limited time to close escrow, and fund the loan. The last week of the loan process was hectic and me missed some very important information. After we closed, about 10 to 11 months into my loan i started receiving letters from the mortgage company that my escrow account was short and that i would be responsible for paying back some funds. My new payment would now go up to XXXX and i also need to pay about XXXX in property taxes. I immediately sought out another lender, i was able to streamline my loan with an even lower interest rate and really concentrate on making sure my escrow account was done properly. We discovered that the " magic '' that XXXX XXXX with New American Funding worked, was only allowing XXXX every month towards our escrow account. Our initial paperwork with the title company showed an estimate of XXXX towards taxes, XXXX towards insurance, and XXXX towards PMI. How they were able to manipulate the numbers after closing is why I am reporting this. After we moved our loan, two days before closing New American Funding asked for a pre pay penalty that they revised from the initial payout numbers they gave. They wanted even more money from me before they would release the lien on my property. We had called customer service several times to resolve this however, this seems to be a standard operating procedure for New American Funding. I feel that we were victims of predatory lending and loan fraud. I thought the mortgage laws were stricter and helped to prevent things like this from happening. Our city was involved in one of the nations most horrific mortgage fraud cases with XXXX XXXX, so i assumed all real estate agents in XXXX California would cross there t and dot there i 's. I would like to have my initial paperwork audited and I believe there are more victims out there who have also been subjected to predatory lending and loan fraud by New American Funding. I also want this pre pay penalty to be refunded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: WELLS FARGO & COMPANY
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I made a small purchase through my XXXX account, which was a gift I was sending to a friend. I checked " send as gift '' and entered her name, address and phone number in the shipping details. I paid for the transaction using my credit union bank account. 
The very same day, my friend received a phone call from Wells Fargo Bank asking for me to make a payment on my student loan! How can it be legal for Wells Fargo to have access to the information I enter into my XXXX account, especially when the transaction does n't even involve wells fargo bank? I had also made a payment within a few days before this incident

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: Atlantic Credit & Finance, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I could not find the exact " describe the issue '' choice, but Atlantic Finance threatened me that unless I made my payments via a monthly electronic payment system, they would sell my debt to a company that would add more interest until the debt was paid off, therefore dramatically increasing the amount of my debt when I agreed to payments but only wanted to pay by USPS money order. 
Said my credit would get a negative report if I did n't pay electronically. 
XXXX XXXX and his " supervisor XXXX '' Harassed me and used threats of credit harm if I did n't open up some kind of electronic XXXX card payment system to make my monthly payments. So, at much hardship and more expense I did open a pre-paid credit card and made my first payment. The very next day I received hard copy correspondence from Atlantic Credit and Finance that included a payment form for paying with a money order or check??? OR electronic CC payment IF I CHOSE. 
I am a XXXX year old totally and permanently XXXX Veteran, my total monthly income is from my VA XXXX pension which is less than {$1100.00} ANY extra expense is a extreme hardship on my financial abilities, and I explained this to Atlantic Finance when I stated that I only wanted to pay via money order or check to avoid any electronic fees or give any of my private financial information to a collection agency because of all the reported harms done by collection agencies to others when they provided personal financial info unrelated to the debt. 
I agreed to make the payments to protect what little credit I have, even though I felt in principle that the original debtor XXXX XXXX, had broken a agreement with me for payments when I was ill and could't keep up with the full payments but offered " good faith '' payments until my health would allow me to catch up. I fulfilled my part of the agreement with XXXX XXXX, but the reneged just before XXXX causing me to not be able to purchase the gifts for my grandchildren I wanted to. I admit I was so angry and upset XXXX, that I just did n't care and told XXXX XXXX this. But after contact by Atlantic, I did agree to pay off the debt if they would n't harm my credit as long as I was current. They said they could n't but convinced me that as long as I was paying that 's all that would show, that I was paying a monthly obligation. But they insisted that they could only accept a electronic payment, otherwise they would sell my debt to another company that would continue to add interest charges and that I would incur much more debt! 

I was harassed, demeaned for my original debt to XXXX XXXX, coerced and outright threatened with more debt added, unless I agreed to make electronic payments and incur the added expenses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: Aldous & Associates, PLLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DISPUTE COLLECTION : ALDOUS AND ASSOCIATES has been verified that the account they are reporting under my name is inaccurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

If this cant be provided, please remove this account off my credit report. I would greatly appreciate it. 
Any automated response, or XXXX verification is unacceptable. I am requesting a re-investigation AND your method of verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. 

The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

Under 15 usc 1681b- permissible purpose of consumer reports ( a ) in general, subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances & no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: United Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX XXXX XXXX XXXX has been sending mail to my neighbors, any relative they could find with collection slips and information regarding confidential information including the debt amount and company it is being collected for along with ways to pay. My relatives are growing increasingly agitated by these tactics and have even threatened to sue the company named above to get it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed several items on my credit report with Equifax over the past year. Equifax continues to allow items on my credit report, that has not verfied and has not provided verifiable proof of alleged debt, nor did Equifax receive the information from original source. If Equifax would have conducted a proper investigation as per Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) and605. Requirements relating to information contained in consumer reports XXXX - Equifax would noted that the Bank XXXX XXXX XXXX Account # XXXX is still reporting after 7 years. 
Equifax has not allowed me to dispute nor allowed me to provide any information via there website to prove that XXXX has been paid and XXXX has agreed to remove this account off my credit report. XXXX is also reporting after 7 years. 

I have disputed ALL XXXX judgement requesting that Equifax provide me with verifiable proof of said judgments which they failed to comply as per Section XXXX and Section XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-10-13
Company: Experian Information Solutions Inc.
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:
I asked the credit bureaus to do a thorough investigation on my report and the did their investigation and responded with everything being verified. I did a thorough investigation my self and notice their were still inaccuracies after their investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX In accordance to fair credit reporting act XXXX  accounts 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 section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

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