BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-25
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:
There is a collection ( XXXX ) account that is showing a past due account on my credit report for the wrong amount. According to the FCRA, all information reporting has to be accurate and collections account should not be reporting with past due balance. I have reported this several times with Experian. Each time they are responding back stating that the account has been verified as accurate with no supporting documents within only a few days of open dispute.

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 2021-09-30
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I called Mr. Cooper and talked to an agent about possibly refinancing our mortgage. That same day a few hours after our conversation, another mortgage originator named XXXX XXXX ( NMLS # XXXX ) called my husband and asked him about our interest in refinancing. 
My husband did not agree to doing a hard pull on our credit during their conversation. The next day XXXX informs me that I have a new inquiry ( both soft and hard ) on my credit and confirmed that it was from Mr. Cooper. I called the company and they gave me a number of XXXX manager XXXX who never once returned my call. 
I talked to another mortgage professional with Mr. Cooper and he says he couldnt even trace the guy in their system. 
This XXXX XXXX completed an application and locked in a rate for us without our consent at all. And now the mortgage originator I am working with cant do anything because of what this guy did. 
Running a hard credit check without our consents is illegal. I would like to do something about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Foreclosure has already taken place - eviction date was XXXX. This complaint is being submitted as the result of an article which states : Wells Fargo customers may be eligible for part of {$2.00} XXXX settlement. All efforts to save my home proved fruitless. Relative to sale date of XX/XX/XXXX of the property, Wells Fargo bought it back for {$100.00}. Prior to the sale, Wells Fargo has not been successful in providing the signature card signed by the property owner on a certified mailing supposedly sent to the property address. Federal Regulations were not adhered to prior to foreclosing, which required Document 24 CFR 203.604. The Note that I signed with XXXX XXXX XXXX XXXX dated XX/XX/XXXX, states, " This Note does not authorize acceleration when not permitted by HUD regulations. As used in this Note, " Secretary '' means the Secretary of Housing and Urban Development or his or her designee. '' The servicer did not prove standing that the Note was owned by the bank. A letter from Wells Fargo dated XX/XX/XXXX stated, " If you're interested in repurchasing the property, please contact the listing agent once the property is listed for sale. '' I was made aware that my home was sold to an investor prior to XX/XX/XXXX. Additionally, Wells Fargo did not respond to these questions : In the Certification of Diligent Inquiry XXXX XXXX certifies that Wells Fargo Bank N.A. directly or through an agent, has possession of the promissory note. Proof was requested of the employment and title of XXXX XXXX XXXX as it relates to Wells Fargo Bank , N.A . This individual can not be found on the XXXX XXXX site. Requested proof of the travel of that promissory note citing XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX New Jersey, XXXX XXXX, XX/XX/XXXX Docket No. XXXX, unpublished. Requested explanation on why there are two endorsements of the Note to Wells Fargo.

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 2020-02-24
Company: Navient Solutions, LLC.
State: MA
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:
My employer provides a benefit which pay $ XXXX/month towards student loan debt for 5 years ( a total of {$10000.00} over the 5 years ). This {$100.00} is sent electronically to my account every month, but not always on the same day. I have contact Navient multiple times asking how I can direct this payment to be allocated to the principal on my loans ONLY, and have gotten different answers each time. Prior to receiving the benefit, I was told it was possible to direct this over payment to go straight to the principal on my loans, but after starting to receive the benefit I have been told this is not possible. So far, I have been making an extra {$100.00} payment to my account since XX/XX/2019, and all of it has been applied straight to interest. Navient has been incredibly unhelpful in helping me address this situation, and meanwhile I am wasting money on making payments on interest instead of towards lowering my overall principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Navient Solutions, LLC.
State: MN
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: Investigation took more than 30 days

Complaint:
Navient refused to permanently remove late payments shown for three XXXX XXXX  loans that I took out in XX/XX/XXXX for each of my XXXX  sons. The first basis for my request for removal of one loan showing in collections and all showing several months late -- severely damaging my credit -- was that I have several private student loans being serviced by Navient. I am currently a XXXX XXXX. When Navient advised that my " private loans '' were in repayment, and I began a payment plan, I reasonably understood that ALL student loans that were supposedly due were included in the repayment plan. Secondly, Navient insists that the loans were not for my children despite that my children 's names are on the loan documents as the benefactors of the loans. Third, I argued that the negative entries had to be removed, as a matter of federal law, because I was never notified that the XXXX XXXX loans were in arrears. Finally, I filed Bankruptcy in XX/XX/XXXX in the XXXX District of Oklahoma. Many Circuits, including the XXXX Circuit wherein the XXXX  District of Oklahoma sits, recognize that XXXX XXXX  loans are commercial loans and not student loans that are exempted from Chapter XXXX bankruptcy. My last conversation with Navient evinced their attempt to conceal that they were collecting on the XXXX XXXX loan because the agent referred to the loans by either loan number or another acronym -- never calling the loans XXXX XXXX loans. My dispute with the credit bureau resulted in Navient removing from my credit report the XXXX XXXX loan that is supposedly 18 months or more in arrears and in collections. Within a month of that retraction, Navient and the credit bureaus added the loan that was in collection back on my report -- -reflecting me being {$7000.00} past due. 

My primary issue is with Navient. However, that the credit bureaus allow me ( and others ) to initiate a dispute only to resolve said dispute by taking the furnishers ' " verification '' at face value without providing me a copy of the certification furnished denies my right to due process and to further challenge the issue. I would like for the CFPB to ( 1 ) intervene in the investigation into this particularly nuanced case regarding XXXX XXXX Loans i.e. loans taken for a third party and ( 2 ) initiate an action aimed at requiring credit bureaus to make their dispute process transparent and provide the person making the dispute with a copy of the documents upon which the Bureau relied to confirm or modify the information furnished BEFORE such action is taken

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions 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:
I mailed out information needed to properly update my report and the bureaus have failed to do so. There is a lot of information reporting improperly such as addresses and information that is a result of identity theft. These bureaus are reporting this information without proper verification before doing so. 
Inaccurate information : Names : XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX Communications Addresses : XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Inquiries : Dept of Ed XXXX : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Butler and Associates, PA
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I called on XX/XX/2020. I gave them my birthday last 4 of my social and address. they said this was still not enough to pull up my information. Refused to tell me what I owe. Esculated to a supervisor and was told I was the one being rude. Was told they were a law firm and this is the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2020-02-24
Company: PENTAGON FEDERAL CREDIT UNION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am contacting Pentagon Federal Credit Union Credit Card Services in regards to an account that is showing late payments. My account has shown several on-time payments. However, it wasnt until I received misinformation with a customer representative from Pentagon Federal Credit Union Credit Card Services that this person has indicated that Pentagon Federal Credit Union Credit Card Services reports at 60 days late. I learned that this information was incorrect. I was recently out of the country for work purposes. Pentagon Federal Credit Union Credit Card Services admitted that they have the recorded conversation in which they have provided me with the wrong info but indicated that they will not remove the late payments. 

XXXX, XX/XX/2019 XX/XX/2019 - 30 Days Late

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 2020-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I want to contact Capital One directly to appeal a late payment that is listed on my credit report. I have contacted the credit reporting agencies to look into this matter without success. I have been with Capital One for about 2 years now and have only had one payment over 30 days due to being locked out of my accounts because my password was compromised and on the dark web.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I been tryibn to get these errors off of my credit profiles for a very long time with no luck. The credit bureuas are not helpful. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: IL
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:
I obtained my credit report and realized that and XXXX and Experian Is reporting bankruptcies on my credit that i did not authorize

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 2021-04-26
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i had two refunds for homestead exemption - one for XX/XX/XXXXand one for XXXX. The amounts were approximately {$620.00} and {$520.00}. huntington should have automatically done an escrow analysis when they refunds the funds, but did not. i'm paying an inflated house payment due to that. i was in forbearance because of money worries with covid. they couldn't care less about their customers. TWO CS reps. dropped off calls with me today. the first one had NO idea how to help and gave me the wrong amount of my house payment without taxes/insurance. today is requested an escrow analysis and seek to know WHY this wasn't done in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I sent my XXXX payment on the XXXX and on the XXXX of XXXX I was notified that Freedom Mortgage did not receive the payment. I went to my bank and filled out paperwork and they verify that the check was never cashed. I had another reissued and sent it. Within that time, it went past 30 days and they reported it to XXXX XXXX and XXXX which resulted in a drop of 70 points on my fica score. They also sent a letter notifying me that I have been appointed a single point of contact????? They also said that I was behind 2 payments which was not the case. I called on XX/XX/20 and the recording said my next payment due is XX/XX/20. Three things took place ; a lost check resulted in the situation I m now in ; my original check was sent on time but because it was lost I now have a delinquent hit on my credit report resulting in a 70 point drop! The letters sent are for someone experiencing difficulties with paying their mortgage which I AM NOT! My payment history with all debt before this was on time and no problems. This was taken too far and for reasons that benefit Freedom Mortgage only! If I have another issue I understand that they can increase my interest rate by a point????? The drop in my fica score in extremely unfair and not warranted. The XXXX  and XXXX XXXX needs to come off. I have records of discussions with Freedom

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 2023-11-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have Wells Fargo Business checking and everyday checking account. 
I am travelling out of USA for around XXXX weeks. During this time I tried to send some money using XXXX. Recipient is all setup but Wells Fargo want to send me the access code to my USA registered mobile phone only which i don't have access from outside of usa. 
I called Wells Fargo during the last 60 minutes and talked to customer service and the supervisor XXXX XXXX XXXX -asked them why they don't have the option to send the access code to Wells Fargo mobile app, registered email-id or another phone number ( virtual phone number ). Wells Fargo representative said that it only send at the registered phone number.

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 2023-05-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 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. 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 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 2020-02-20
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On Thursday, XX/XX/2020, I got a call at XXXX XXXX  from a number I did not recognize ( XXXX ) XXXX. When I answered the phone a male on the other end told me he was calling in regards to an auto loan I had with Santander bank eight plus years ago ... he informed me he was calling to save me from being served with a summons to appear in court about he " thinks '' an XXXX  I had through Santander. I informed him that if he " thinks '' he's calling about an XXXX, then he's not someone I need to speak with. He proceeded to reiterate he'd be serving me with a summons to appear in court, and when I responded, " that's fine '', he responded, " you're an XXXX '' and hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Duvera Billing Services, LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Yes I noticed its an account on my credit that is fraud I recently got my social security stole in the mail. The amount is {$2000.00} dollars saying from durvea on my credit report please its causing me stress and anxiety I would like this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$550.00} XXXX XXXX {$1300.00}

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 2018-08-19
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 I requested that XXXX XXXX validate NOT verify a debt they are attempting to collect from me. I asked for a signed agreement and other supporting documentar. They provided me with billing statements which does not prove that I'm obligated to pay them anything. They have reported delinquent information to the credit bureaus that I'm asking to be deleted.

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