BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-01
Company: Glacier Bancorp Inc.
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We recently applied for a home loan through Mountain West Bank on our primary residence which we own free-and-clear. We are seeking a loan of $ XXXX, and the property is appraised at $ XXXX, making the loan a 60 % LTV first mortgage. The loan would pay off ALL existing debt, including all tax debt, credit cards and vehicle loans, as well as the underlying lien on an adjacent 40 acre parcel of land we own which is currently valued at $ XXXX. ( Two immediately adjacent 20 acre parcels have sold within the last month for approximately $ XXXX each, in spite of the current state of the economy. ) We meet all of Mountain West 's credit requirements and DTI requirements and had been approved by underwriting for the loan. However, somehow Mt West wasn't aware of a private note of $ XXXX we have on the adjacent 40 acre parcel. When Mountain West discovered that we own the 40 acre adjacent parcel and intended to pay off the balance of the private note with the loan proceeds, their credit committee immediately changed the terms of our loan to encumber the primary residence PLUS the $ XXXX adjacent 40 acres. ( The loan of $ XXXX was already going to be secured by our primary residence and was only 60 % LTV of that parcel alone. ) We believe Mountain West 's new requirement of demanding $ XXXX worth of real estate as security for a $ XXXX loan is most certainly Predatory Lending. We meet all their DTI, LTV, and credit requirements WITHOUT adding additional real estate assets to the loan, and using the proceeds to pay off the land loan did not change our financial outlook in any way. In fact, it improved it. However, Mountain West saw an opportunity to take advantage of our situation, knowing that we were depending on that loan to satisfy a balloon payment on the land that is due in 3 months. 

This is profoundly disturbing, especially at a time when our country is dealing with the Covid19 pandemic. In spite of everything that is currently happening in the economy, my employment has been guaranteed by my employer and our industry is considered essential, as we XXXX XXXX XXXX to XXXX  and numerous other essential businesses. There is no concern with regard to my ability to repay the debt and it is undeniable that the loan would only increase our credit-worthiness, leaving us 100 % debt-free aside from the 1st mortgage, PLUS providing 5 months worth of cash reserves. We are firmly convinced that Mt West 's new demand is unduly burdensome,100 % unnecessary and out-of-the-ordinary due to the fact that we meet all of Mountain West 's lending guidelines. 

We would greatly appreciate your assistance in reviewing this claim ASAP. Thank you.

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 2020-02-17
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
First I took out loans in the early 90s through XXXX of XXXX XXXX. At that time as a student we received no loan education or financial counseling. The school allowed us to take out loans, drop, receive the money back and register again and do the same thing. I can not even tell you for how long this happened. 
Then I graduated in XXXX from the University of XXXX XXXX in XXXX XXXX. I was put in forbearance right away. I have asked repeatedly about the public service repayment program but was told over and over that as a nurse I did not qualify when in fact I have qualified since XXXX when I first became a nurse. My interest has been accruing since the early 90s and I do not believe that this is right nor do I think its right that I continue to be charged when all my loans would be almost if not already payed off. Navient should have told me many years ago that I qualified for this program. This has totally affected my life and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: MI
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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2020-02-17
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/2020 A dispute regarding a charged off credit card account was received by way of certified mail by the company claiming the alleged debt yet LVNV Funding LLC fail to validate the debt which is a violation of my rights under the FCRA Section 611 Part ( A ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: NRA Group, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
There have been a collection account placed with the 3 credit bureaus on an account that was included in a bankruptcy. 
The bankruptcy in question was discharged on XX/XX/XXXX. National Recovery Agency added this to my credit reports claiming it was a new account opened in XXXX of XXXX for {$210.00}. This information is totally inaccurate And I gave them the correct information via telephone and also gave them my bankruptcy lawyer contact information, whom they never contacted.

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 2023-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Bank of America keeps charging me the {$8.00} maintenance fee even though I did have at least {$500.00} in my account to satisfy the exemption. I keep trying to reach their customer service, but nobody is responding.

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 2023-04-22
Company: Experian Information Solutions Inc.
State: AR
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:
On XX/XX/XXXX of 2022 I pulled my credit report for the purpose of purchasing a home and noticed several incorrect, damaging and inaccurate accounts and other data throughout my Experian report the company holds under my social security number. Not only was I not aware of this information being reported by law I am aware that legally any information Experian is not able to validate and verify must be removed. I disputed these account and personal information on XX/XX/2022. Accounts with convergent outsourcing, A+loans and credit collection services are all inaccurate as I wrote to Experian to have these accounts removed, the company ( Experian ) simply wrote back that the accounts remained. Experian never verified or validated these accounts with proof of original contracts bearing my signature. I then wrote back to the company in XXXX explaining the laws they had broken and that. the accounts must be deleted. The company once again wrote back that the accounts remained on my report.

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 2020-07-26
Company: Square Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Cash app has continued to fall short of providing any type of resolution to my problem. For over a year, I used a single account with cash app. One that I even have the account and routing number that cash app provided me with at the time. This account was compromised and I can no longer access this account. Since then there have been multiple transactions from online vendors that were refunded successfully ( verified with multiple vendors ) more than several attempts to contact a live agent at cash app. Ive reached out to XXXX XXXX XXXX and square and they all advise me to contact cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: OH
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 to the Fair credit reporting act. This creditor XXXX XXXX XXXX XXXX XXXX has violated my rights. Under 15 U.S.C. 1681 Section 602 states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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.

15 u.s.c 1681c ( a ) ( 5 ) Section states : no 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 thw report by mre than seven years.

15U.s.c 1681s-2 ( A0 ( 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 2023-04-22
Company: Experian Information Solutions Inc.
State: ID
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: Was not notified of investigation status or results

Complaint:
I submitted 3 letters to Experian. One letter on XX/XX/23, XXXX letter on XX/XX/23, and another letter on XX/XX/23. I received a letter dated XX/XX/23 - report # XXXX stating they received a request that does not appear to be sent directly by me. This is incorrect. I am attaching a copy of their letter, along with all of my documentation regarding my disputes. Experian on multiple occasions has not taken any action, sending me multiple letters from them stating that they are taking no action as the disputes are not being sent by me. Experian refuses to follow the law and investigate these inaccuracies on my credit report and delete the incorrect information on my credit report.

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 2023-04-22
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:
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.

15 u.s.c 1681c ( a ) ( 5 ) Section states : no 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 thw report by mre than seven years.

15U.s.c 1681s-2 ( A0 ( 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 explanation
Consumer complaint received 2018-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
XXXX XXXX client XXXX XXXX is a victim of identity theft. His information was used without his consent to submit applications for auto financing. While no accounts were established the applications generated inquiries that were found on his XXXX, XXXX and XXXX credit reports. The inquires were from XXXX of XXXX XXXX XXXX, Capital One Auto Finance and XXXX. Each of these offices were provided an official dispute of the items, XX/XX/2018 and as of this date none of these organizations have provided an update or a reply to the official dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I signed up for multiple Citi AAdvantage credit cards due to their advertised perks, sign-up bonuses, and mileage earning on purchases. The terms of these offers were clear and applicable to me, and said that I would receive bonus miles after completing certain spending requirements. I completed the requirements and the miles were deposited in my AAdvantage account per those conditions. 

On XX/XX/2020 I received an email from XXXX XXXX Corporate Security indicating that my Advantage account has been terminated and all of my miles are forfeited, without notice, and that these violations are related to the accrual of ineligible miles and benefits. At the time, I had a large mileage balance of AAdvantage miles that I had earned with my Citi AAdvantage credit cards. 

The AAdvantage miles earning ability and signup bonuses associated with my Citi AAdvantage cards was clearly advertised, and Citibank approved me for these credit cards knowing the AAdvantage program Terms and Conditions. At no point during this process did I participate in fraud, abuse, or misuse. Citibank claims they are unable to help, although they entered in a contract with me to provide those miles. It appears Citibank or XXXX XXXX is uncomfortable with the amount of miles I earned using their promotions, and do not wish to honor their part of the contact.

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 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
am writing you with this formal objection of information published and provided by you to Transunion, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of Record. I formally contest the reportability of the alleged Public Record. 
Immediately, DELETE ALL record of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy.

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 2023-07-27
Company: EQUIFAX, INC.
State: FL
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:
In XXXX of XXXX  a 30 day late payment was reported in error on my XXXX auto loan. Since that time I have been attempting to work with both XXXX and the credit bureaus to have the account updated to report correctly. The credit bureaus continually tell me to dispute the issue. I have been following up with them every 30 days to only receive the same response, " do you want to dispute the account? '' never acknowledging my previous correspondence or phone calls. This has gone on for over a year now. My XXXX account was paid on time month after month. This is a simple error that requires correcting. I would appreciate the credit bureaus being held accountable for their total lack of cooperation. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received two Letter one from Chime Visa asking to set up my direct deposit and another from XXXX XXXXXXXX XXXX to activate my high interest checking accounts Both are not accounts I have tried to set up. 
Contacted XXXX XXXX and they have closed the account. Chime is much harder to contact. In the process of trying to contact and close account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I don't know my account number with wells fargo auto loan, so I included my phone number of XXXX in that section. Please provide wells fargo with that information, last XXXX of my ssn XXXX, and email address to identify me : XXXX. 


In XX/XX/2023, my car was repossessed by Wells Fargo for failure to make payments. 

Today, I went to a dealership to try to get another vehicle financed, and, they informed me that WellsFargo still has my repo account listed as open, and, until they close that account, I will not be able to receive any financing from other companies. 

So why in the 5 months has this not been closed, and, why am I continued to be harmed by the failures of Wells Fargo finance. 

Previous to my car 's repossession, I had called Wells Fargo ( i believe XXXX was still active on one of the occassions as well ), and, they were unwilling to work with me on payments despites the hardships I encountered. 

As a XXXX American I find this unacceptable. They continue to harm me as a result of their unethical actions.

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 2023-04-22
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
My identity has been compromised I'm a victim of identity fraud. Please remove these inquiries from my credit report. 

XXXX, VA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Phone Phone number not available Inquiry Type Individual XXXX XXXXXXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXXXXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX CA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX via XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX  OH XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual

Company response to consumer: Closed with explanation