BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-24
Company: WELLS FARGO & COMPANY
State: SC
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Confusing or missing disclosures

Complaint:
I contacted Wells Fargo in XX/XX/XXXX to file for hardship and lock transactions on an account with a large balance and high-interest feethe hardship plan fixed interest to 1 % and fee and set payment amounts per month. Wells Fargo agreed and locked the version with the payments set at one amount ( XXXX XXXX XXXX XXXX ) All payments were made promptly and on time. XX/XX/XXXX Wells Fargo let the hardship plan expire, and the payments went to XXXX XXXX XXXX {$310.00} ( 10 % ) without notice, effectively doubling the monthly payment plan to {$680.00}. XX/XX/XXXX I Called WF to speak with a representative XXXXXXXX XXXX XXXXXXXX and was told that the plans expired and I was on a short-term plan. The agent stated there is a " long-term plan '' as well that I was not made aware of. I asked for any documentation showing the difference between the two plans and XXXXXXXX XXXX XXXXXXXX on a recorded line, stated there is no documentation only that there is a phone call where the agent would decide to place you on a short-term or long-term plan. I enquired how to be put on the long-term plan, and XXXXXXXX XXXX XXXXXXXX stated I would have to wait 12 months to file for hardship again. The balance of the account would then with the new interest rate be ballooned back up to XXXX amounts. This is anti-consumer behavior. Wells Fargo will not produce any documentation on a recorded line stating there is no documentation, and it's up to an agent to decide which plan to place you in. If Wells Fargo can choose unilaterally to which plan to put you on without notifying the consumer this is anti-consumer behavior and they can reinstate the plan. Again I have made all payments on time while on this plan 100 % in full and on time. 


I filed a previous CFPB complaint ( XXXX XXXX ) with this company when asking for any documentation they " We respectfully decline your request to provide documentation showing the differences between the short-term and long-term plans or place you on the short-term or long-term plan. " Never was I provided any documentation that there needs to be a 12 month period between plans or that there were two plans to be placed on.

Furthermore when asking Wells Fargo for the documentation they " decline '' to provide any. If this is not anti-consumer then I don't know what is.

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 2023-11-21
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
In XXXX, I applied for XXXX funds through the Commonwealth of Pennsylvania in order to achieve full reinstatement of my loan, along with six months of future payments. During the late spring of XXXX, Lakeview and/or Loan Care ( the sub-servicer ) confirmed to XXXX that {$13000.00} was needed to fully reinstate my loan and also confirmed that {$4800.00} was needed to maintain my account in current status for the following six monthsthrough XX/XX/XXXX. XXXX then provided said amounts to Lakeview and/or Loan Care. 

It is my understanding that Lakeview and/or Loan Care servicing provided the wrong amount to XXXX initially, and that XXXX actually made an overpayment. Lakeview and/or Loan Care nevertheless claims that the account is delinquent and that {$2400.00} is owed. 

In order to accept XXXX funds, Lakeview and/or Loan Care agreed that my account was current. Given that the full payment ( s ) have been made, I do not understand why my account is in delinquent status. 

Please immediately correct this failure, ensure that the mortgage delinquency as of todays date is set to {$0.00}, remove any and all late fees, and place my account in current status as of todays date, so that I may continue to make my normal monthly payments starting XX/XX/XXXX. 

If some genuine delinquency remains, please immediately contact XXXX to inform them of the shortage so that the issue can be rectified on their part. Please correct any erroneous reporting of my account status to the credit bureaus.

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 2023-12-13
Company: EQUIFAX, INC.
State: MA
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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, XXXX XXXX have noticed inaccuracies on my credit report such as late payments. I am writing this letter to have my credit report updated to be current and up to date. First, according to the F.C.R.A Section 604 ( A ) ( 3 ) 15 U.S Code 1681 ( b ) Permissible purpose states that I have the right to privacy and that my information can not be shared without my written consent! Second, Section 607 ( A ) 15 U.S Code 1681 ( e ) Compliance and Procedures states my report must be 100 % accurate at all times and these late payments are not accurate! Nor did I authorize these late payments to show on my report. Third, according to the Truth and Lending Act Section 15 U.S Code 1666 ( b ) corrections of billing errors the CRA must correct any billing errors made on the consumer 's credit report with a written statement of what accounts need to be updated and corrected. I have already sent a letter 30 DAYS AGO AND YOU ARE NOW IN VIOLATION OF MY CONSUMER RIGHTS! I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. These accounts must be updated AS SOON AS POSSIBLE to avoid any VIOLATIONS FEES.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name and addresses are in correct on all three larger Credit bureaus XXXX Transunion and XXXX My name is : XXXX XXXX address is : XXXX XXXX XXXX XXXX, Texas XXXX last XXXX social : 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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 kindly request the immediate removal of this inquiry from my credit report, as it does not pertain to me, and I have no connection with the involved creditors.

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 2024-01-04
Company: Uprova Credit, LLC
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Received mail from company " Uprova Credit LLC '', stating I requested a loan in the amount of {$1500.00} and it was denied. I NEVER applied for a loan with this company. States application was denied due to " unable to verify application information '' I shared this info with one of my co-workers. When she went home that day, she had the same letter from this company. She too says she NEVER applied for a loan for this company. Her reason for denial was the same as mine. No phone number to call. Just an address of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA 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
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: RI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I financed equipment thru XXXX XXXX ( now XXXX ) and before my equipment was shipped and before my first payment was due I canceled my order. XXXX sent me confirmation that the account was closed and that I was a finance customer so no further action was needed. 
However, the finance company they use has been contacting me repeatedly attempting to collect payments. I have repeatedly informed them that I canceled the order and do not have the equipment. I have sent multiple emails to both companies and at one point even called XXXX on 3 way and listened as account & invoice numbers were given. XXXX claims to have received no correspondence from XXXX, XXXX says they've made attempts to contact XXXX. XXXX calls me all the time now and every time the person calling has no knowledge of any of the history, claims there's no notes on the account. Sometimes they'll let me speak to a supervisor but they usually will not. One supervisor assured me they would push back my payment due date to XX/XX/XXXX to give the appropriate parties time to sort this out and it would not affect my credit. It was never 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 2023-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
This is the second time I've had to file a complaint about this issue. Bank of America has wrongfully denied my disputed transaction claims. There is a claim for {$12000.00} and a claim for {$3000.00}. I have filed police reports which I provided to Bank of America, I also provided copies of the e-mails between me and XXXX support regarding me being locked out of my account and my XXXX pay being deactivated. Large amounts of the transactions were done via XXXX pay. But I had been locked out of that account as well as my e-mail account during the time that the transactions took place. After filing my claims with Bank of America and providing them with more than enough supporting evidence on my behalf, they still proceeded to deny my claims and my appeals. After I filed my first complaint with CFPB, I was contacted by a complaint resolution representative from Bank of America and was told he was going to look into my complaint. This consisted of him sending me a recap of my interactions with Bank of America, and a copy of their terms and conditions. And then his conclusion was, " as no fraud was deemed to have occurred for [ claims # XXXX ], the Zero Liability policy does not apply. '' This response was ridiculous and insufficient because all he did was tell me what happened and then state an obvious fact. I am aware that they think no fraud was committed, that was my entire issue and reason for my complaint! He did not provide me with any supporting documentation or explanation. The only time I have received copies of the information they used to come to their decision was after I contacted them in XXXX, at which time they mailed me this information. And that consisted of a piece of paper that had my old e-mail address on it and then a note about me logging in with that e-mail using a high level of authorization. That's it. That is all they used to come to their decision, and I find this unethical and a violation of their terms and conditions due to the fact that the email address they were referring to wasnt even the e-mail that I was locked out of and had nothing to do with the transactions! I didn't even use that email for my XXXX account. Also, in their terms and conditions it states that once a claim is filed, if they are not able to come to a decision with 10 days, they will credit the account on the basis that if the claims are denied and the credit is used, the money would be owed. They took much longer than 10 days to resolve my claims and my account was never credited. I have never been treated so unfairly and so poorly by a financial institution in my life, and they are refusing to return my money to me with absolutely no valid reason.

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 2023-11-10
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Upon the information provided from the dispute, XXXX XXXX XXXX XXXX is in violation of report inaccuracies on my credit files. The documents they sent to me had a wrong social security number and address. How is this company reporting anything to my credit files with wrong information? The contact they sent, they blocked out the social security number, so how is that proof its my account?? On the original contract the social security number is wrong thats why they blanked out the information on the contract. This is illegal and this is not the right way to conduct an investigation. This company also sent me a check that does not have my information on it nor is it my account! The check did not have my signature on it. The contract they sent me also had a forged signature on the contract. The signature does not match mines someone signed that contract without my consent. Per the FRCA Law Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. Per the FRCA 1022.82 ( d ) ( 2 ). You have reported an address to my credit files that has not been 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 2023-12-13
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX is reporting inaccurate information on my consumer report i have called them multiple times and disputed all of the names on my report as well as all of the in accurate addresses and phone numbers and XXXX XXXXXXXX continues to switch who they are getting their information from first it was the post office now it is the XXXX after i told them the post office is not reporting my information at all neither is the XXXX but XXXX XXXX continues to report the wrong information i only have one name and one address the addresses and other name listed are not accurate yet they continue to report it as such also i have not given my written permission for XXXX XXXX to share my information with any third parties

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Subject : Discrepancies and Errors in Credit Report - Request for Correction Dear Sir/Madam, I am writing to bring to your attention several discrepancies and errors I have discovered in my credit reports from XXXX, Equifax, and XXXX. As a consumer, I understand that the law requires accurate reporting, and I kindly request that you take immediate action to correct these inaccuracies. 

Below, I have outlined the discrepancies I found in my credit reports : Credit Report Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 It is evident that there are inconsistencies in the way my name is listed across the credit reports. The correct and accurate information is XXXX XXXX XXXX XXXX  I kindly request that you rectify this error by removing any variations and ensuring that my name is consistently reported as XXXX XXXX XXXX XXXX across all credit bureaus. 

Additionally, I have noticed that my date of birth is reported differently on the Equifax credit report. The correct date of birth is XXXX XXXX XXXX' I kindly request that you update the Equifax credit report to reflect the accurate date of birth. 

Furthermore, I would appreciate it if you could conduct a thorough review of my credit reports to identify any other discrepancies or errors that may exist. As a responsible consumer, I believe it is crucial to maintain accurate credit information, and I trust that you will handle this matter promptly and efficiently. 

According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate any disputed information within 30 days of receiving a dispute. Therefore, I kindly request that you complete your investigation and provide me with written confirmation of the corrections made to my credit reports. 

Please find enclosed copies of my identification documents, including my driver 's license and Social Security card, for your reference and verification purposes. 

I appreciate your attention to this matter and look forward to receiving written confirmation of the corrections made to my credit reports. Should you require any further information or documentation, please do not hesitate to contact me at the address provided above or by phone at [ Your Phone Number ]. 

Thank you for your prompt assistance and cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is not accurate. This account was listed in my XXXX  XXXX bankruptcy back in XXXX and it has a reporting of XXXX. This is definitely in accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: NAVY FEDERAL CREDIT UNION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I received an alert on my phone from my credit union ( Navy Federal ) that there was suspicious activity occurring on my checking account. I received a follow up phone call from a NFCU representative to review my account history. Upon further review, we determined that multiple unauthorized charges were posting from XXXX ranging in amounts from {$2.00} through {$390.00}. The bulk of the larger charges occurred within that week, which alerted NFCU. However, after reviewing my bank statements, I determined that there were multiple unauthorized charges to my account from XXXX over the last 3 months. The representative filed 2 fraud claims on my behalf, XXXX for {$410.00} and another for {$2500.00}. The representative sent me a Statement of Forgery to complete. 
XX/XX/XXXX I contacted XXXX to determine the source of the charges as there is no record of them in my purchase history. The XXXX representative confirmed that an excess of XXXX UNAUTHORIZED charges posted to my account that did not originate from my XXXX XXXX. They would not provide any information on where the charges came from. XXXX initiated a claim for a refund but ultimately denied it and did not provide a reason. XX/XX/XXXX I contacted Navy Federal and was told that both claims were denied and I had the option to appeal. I submitted the statement of forgery and bank statements for XXXX, XXXX, and XX/XX/XXXX highlighting all unauthorized charges from XXXX. I confirmed that I did not authorize or provide card information for anyone to complete a transaction with XXXX. I also provided my XXXX purchase history proving that the unauthorized transactions did not originate from my XXXX account. I received a notification from NFCU that a 3rd fraud claim was filed on my behalf in the amount of {$790.00}. On XX/XX/XXXX a 4th fraud claim was filed on my behalf in the amount of {$640.00}. Navy Federal provided provisional credits and then denied 2 of the claims, reversing the credits of {$410.00} and {$640.00} ( due to come out of my account on XX/XX/XXXX ). 
I now have a total of {$4400.00} in unauthorized charges from XXXX that I am seeking reimbursement for. I am not confident that XXXX or NFCU will cover the fraudulent charges as both institutions have passed the responsibility back and forth. I am caught in the middle with a large amount of money taken from my account. This has caused me great financial hardship as this is in the middle of holiday season. I appreciate any assistance with getting my funds reimbursed as the charges were indeed unauthorized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation