BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-05
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I am with Wells Fargo Home Mortgage and was on Covid 19 relief and post XXXX XXXXXXXX when they lost a payment and refused further payments. I was kicked out of my XXXX through the foreclosure attorney based on that lost payment. 6 months later the payment was found abs was misapplied. I have attempted several modifications since only to have my ex wife, who is not on title, and not on my XXXX XXXX be allowed to cancel and request a short sale instead. During all of this I have been trying to recover from a head injury and car accident and now am on SSXXXXI for a XXXX, my current wife and I cant move without a payment history and cant sell and cant rent or do anything and we are stuck. XXXX XXXX with the State of Mn attorney General sent me to you to file a complaint. If a wells took money for Covid 19 relief with promises to modify after how can they say no and try and foreclose. I would like to modify my mortgage and have my current new wife on and the payments put on the back or a letter of mistake so I may rent or buy something else. I have zero history I can show because payments are refused. I was also offered Home Help Minnesota funds if XXXX but Wells Fargo refused to work with them on my behalf

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 2023-11-28
Company: DEBT 0, INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company did not return the money that was owed to me in full of {$1500.00}, it only returned {$850.00} and they never did their talk with the bank, I already explained it. I call and email them and they don't return my calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-25
Company: MOHELA
State: NE
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:
I am currently an anesthesiology resident physician at the XXXX XXXX XXXX  XXXX XXXX ( XXXX ). I am asking for your help with a XXXX XXXX XXXX, MOHELA. I have almost {$400000.00} in student loans after medical school and I plan to pay off every XXXX. 

MOHELA provided me with documentation on XX/XX/XXXX that my student loan payment would resume on XX/XX/XXXX. I have documentation from them stating I was placed in the XXXX XXXX XXXX XXXX ( XXXX ) plan after previously being in the XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  ) plan. They said I had been placed in XXXX and my monthly payment would be XXXX. I set-up Auto Debit Payment to be withdrawn from my bank and got a confirmation letter from MOHELA that auto pay had been set-up on XX/XX/XXXX. 

Today, I realized a payment for my student loan had never been taken out of my bank account. I logged into my MOHELA account. MOHELA placed me on forced administrative forbearance on XX/XX/XXXX. I was placed in forbearance without my knowledge or approval. In forbearance I am accumulating over {$2000.00} a month and unable to make a payment that would count towards my XXXX payments for XXXX. 

I called MOHELA and after waiting 2 hours to speak to someone they told me my XXXX plan application is still being processed and until it is processed fully I would remain in forced forbearance. They said it could take until XXXX before my XXXX plan would be processed and I would have to remain in forbearance. 

This is craziness. The XXXX plan guarantees I should never see my balance grow as long as I keep up and make my required payments. My interest is growing fast and I just want to make a monthly payment to start to pay off my huge sum of loan. MOHELA won't allow me to do so. I should not have to pay interest I have already accumulated because of this loan service company. Can you please help me. Is there anything I can do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: Collection Bureau of America Ltd.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I told Collection Bureau of America that this was not my account and I was a victim of identity theft. They did not send me a collection notice in writing to my home address in XXXX where Ive resided since XXXX but instead apparently mailed it to the address where the THIEF that stole my identity resided. Theyre now reporting this derogatory information to the credit reporting agencies. Theyre BLATANTLY not following FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: CA
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 U.S.C. 1681 section 602 A. states i have the right to privacy 15 U.S.C. 1681 section 604 A : it also states a consumer reporting agency can not furnish a account without 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 non-monetary relief
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 U.S.C. 1681 section 602 A. states i have the right to privacy 15 U.S.C. 1681 section 604 A : it also states a consumer reporting agency can not furnish a account without 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 2022-06-07
Company: ONLINE Information Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
account was closed and balance is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This is a violation of my rights and needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the fair credit reporting act XXXX  account # 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 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without 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 2022-06-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
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 XXXX XXXX XXXX XX/XX/XXXX {$950.00} PORTFOLIO RECOV ASSOC ACCOUNT : XXXX XX/XX/XXXX {$690.00} XXXX XXXX XX/XX/XXXX {$800.00} 15 U.S.C. 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S.C 1681s-2 ( 8 ) Ability of consumer to dispute information directly with furnisher 15 U.S.C. 1681 section 602 States I have the right to privacy 15 U.S.C 1681i ( 1 ) Reinvestigation required 15 U.S.C 1681i ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S.C 1681l Restrictions on investigative consumer reports 15 U.S.C 1681 section 604 A : it also states consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. ACCOUNTS : XXXX XXXX XXXXand XXXX XXXX XXXX ; Inquiry : XXXX XXXX Inquiry Date XX/XX/2023 .

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2022-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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. 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 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.

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 2022-06-07
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States 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 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 2023-11-10
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Reached out to XXXX and XXXX XXXX XXXXXXXX regarding the validity of the debt, but they did not provide any. As I am looking over my credit report, this account is incorrectly being reported as a charged off/collection account without a balance due. Please provide proof of the charge off/collection or delete the negative payment status on this account. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a {$300.00} American Express gift card. I activated it as instructed. I have tried to use the card with several different merchants both online and in person and each transaction has been declined. I have even attempted to make a {$10.00} purchase on my {$300.00} balance with a merchant that accepts American Express gift cards and it was declined. I have {$300.00} and no way to use the funds. I would like my money. I have tried to reach customer service and I only get an automated message that says that I may have tried to purchase above my balance. It does not give me the option to speak with a representative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: LA
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions. 
I have been trying many times to get results on my disputes. I have asked many times for contract, proof and that I signed some agreement which I have not. This has been going on long enough. I never signed a contract with the collection agency. After the investigation they never sent me proof that it was validated. They keep validating before anything can be investigated. And when it has been deleted, they reinstate the collection without even a 15-day notice. They keep violating all the laws and my civil rights to discriminate. It seems like all they can do is just put somebody down with false information to make more money for the subprime market. And also, I think they discriminate because my zip code. I sent an affidavit explaining how they keep violating my rights and I wish this to be corrected with the deletion of all those collection accounts and or charge-offs. The signed affidavit that I'm sending is to you explain how they keep violating my rights. Also, I sent what they sent me after what I sent them. After their investigation which was not completed properly or investigated properly, no proof of contract or signature was ever provided.

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 2022-06-07
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Wells Fargo after 34 years, as a satisfied customer, has chosen to severe the long term relationship. Due to the fact, that someone apparently, cashed two counterfeit checks without my knowledge. I am XXXX years, in my right mind but XXXX XXXX and XXXX XXXX XXXX XXXX 

I understand it's considered a security breach. I get that I can still understand and comprehend why this is taking place. Wells Fargo elected to close the account. 

I asked for an extension because I have a large overdraft fee that would have been completely resolved by my first two monthly direct deposits in XX/XX/2022. The account is suppose to be opened to XX/XX/2022. But the reality is that this account is not functional. What I have learned is that because the Loss Prevention Department placed a hard stop on the account. It blocks any deposits, transfer of funds from other accounts from being credited toward this debt. I wish I had completely understood this caveat before requesting the extension on the account. As it has proven to be a waste of my time and efforts to cure this debt. 

I wanted to do my due diligence to cure the debt. But Wells Fargo won't allow me to do so. Which means that eventually this account will be sent to collections. Which makes me look like I purposely did not intend to cure the debt. When the truth is Wells Fargo has blocked me from paying what is owed. 

I want it on record that Wells Fargo will not permit me to cure my debt. I never heard of such foolishness in my XXXX years of life. 

Sending it to collections on purpose when I have tried to pay is mean. Is this allowed? 

XXXX XXXX XXXX 34 year former Wells Fargo Account Holder.

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 2022-06-30
Company: Experian Information Solutions Inc.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-06-30
Company: EQUIFAX, INC.
State: TN
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:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: Guglielmo and Associates
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
To Whom It May Concern : I filed CFPB Complaint XXXX against XXXX XXXX  on XXXX. As of XX/XX/2021 XXXX XXXX told CFPB their response is in process. I received In a letter dated XX/XX/2021, collections law firm Guglielmo & Associates contacted me about the debt, disregarding the CFPBu. That letter is attached. Their client XXXX XXXX  has received multiple communications from me stating that my income source is exempt from judgement, so why did they direct Guglielmo & Associates to contact me on their behalf, especially when they had proof of my exempt income. 

XXXX XXXX has made multiple representations that they want to help, repayment assistance etc, and that they honor the CFPB process, hardly a month before the XXXX letter from Guglielmo & Associates, which might indicate, in my opinion, the likely intention of XXXX XXXX to circumvent the CFPB through abuse of legal process, especially since their response to my original complaint is delayed. Even if XXXX XXXX claims mistake, they bear legal liability, and current and future financial liability for any actions by their agent, Guglielmo & Associates. 

Since the CFPB Database seems to indicate that Guglielmo & Associates might engage in questionable legal actions, and they like to hide their CFPB responses from the unsuspecting public, I have no doubt they will terrorize me in the future. I ask that Guglielmo & Associates provide written acknowledgement of my exempt income. I have other exemptions as well. XXXX XXXX is put on notice that they were aware of my status BEFORE they sent Guglielmo & Associates to attack me, so XXXX XXXX is responsible for any and all actions of Guglielmo & Associates.

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 2022-06-30
Company: ID Analytics, Inc.
State: MN
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  XXXX bankruptcy. XXXX has violated my rights 15 U.S.C 1681 section 602 A. States i have right to privacy. 

15 U.S.C Section 1681 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation