BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-21
Company: Experian Information Solutions Inc.
State: PA
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: Problem with personal statement of dispute

Complaint:
This happened for two credit cards were I called went to bank asking for statements because my mom is now staying at home and she is working for me. XXXX XXXX and XXXX both did not send me statements as asked. Ima business man and my mother moved and as I stated she started taking care of all my billing. I went to bank spoke to them how I wanted paper statements. And explained to why I needed statements as I did for my XXXX XXXX. As you can see if you look up my file I never was ever late in 8 years of my oldest account. Please help get the late payments off 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 non-monetary relief
Consumer complaint received 2023-07-15
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent my initial letter for disputing innacurate personal information on XX/XX/2023 and did not receive a response from Experian or a new credit report with the corrected information. On XX/XX/2023 I sent my second letter to remove the innacurate information and yet I still did not receive any response or a new credit report with the accurate information. 
XX/XX/2023 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 2021-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased my home in XXXX. I became permanently XXXX in XXXX and had to do a modification then because of income dropping down to XXXX. I am raising or was raising a son totally on my own at the time he just recently graduated college. I talked to Bank of America last year because they like so many were helping home owners out or so I thought with Covid relief and making no payments to help out. I was told that I would start making payments again in XX/XX/XXXX which I did. I was told also that a claim would be made with HUD for payments not made and would be on end of the loan. I got XXXX last year, I had major car repairs and my only vehicle to get to physical therapy. I trusted Bank of America and now have been told HUD had no hand in approving any claims or not so now Bank of America wants me to start another modification which I did and sent everything that was requested well now they are asking a month later the same paperwork and another 3 months of paperwork because they didn't process it. I also found out that this year when I asked on paperwork before I started payments in XXXX again would receive paperwork from them when claimed had been processed and every month I called in only to be told HUD was behind. HUD wasn't processing claims. I have been told by alot of consumers same stories being told by their lenders between last year and this year. The payments I have made in XXXX, XXXX, XXXX and XXXX are sitting in unapplied funds. There is something not right with these lenders and not just Bank of America but other major lenders. Please help because I am permanently XXXX and don't want to lose my home and I have complied with everything they have asked and you can go on their website and read about their Covid Relief from last year and now what they are doing but the lie is that HUD is not involved in these claims.

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 2020-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I applied for a credit card through Capital One in XX/XX/XXXX and received my first statement on XX/XX/XXXX. When I had applied I was given a promotional interest rate of 0 % interest for the first 12 months. I have received the 0 % interest rate on all of my statements up until XX/XX/XXXX. At the beginning of XX/XX/XXXX I paid off the balance of {$720.00} to XXXX out my statement because I knew that I was getting close to the end of the promotional period of 0 % for 12 months and did not want to be charged interest. On XX/XX/XXXX I checked my online account and noticed that I was charged {$12.00} interest for the previous statement that I had fully paid even though I still was within my promotional period. When I saw this I immediately called Capital One to find out what was going on. The first person I talked with was looking into the matter and put me on hold. After being on the call for 22min 32sec I was disconnected. I then called back about the matter and spent 1hr10min17 sec on the phone talking with a specialist and a account supervisor who told me that the 0 % interest rate ended after 9 months and not 12. I asked where she was seeing this information and she told me that it was just an assumption because she was not able to locate any of the original terms that was sent to me on my card. I asked if there was any way to get the documents because they should have it on file especially since they gave me the promotion, but in the end she still could not locate the email or mailed document all she could do was send me my current card terms. The Account specialist said that I should have received an email with all of these terms, but I have all of the emails saved since I got the card and can not find the email the account specialist was talking about.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-17
Company: Freedom Mortgage Company
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company Freedom Mortgage contacted me in XXXX telling me I was eligible for refinancing with them. I refinanced my home XX/XX/21 they collected 11 months in homeowners premiums totaling {$970.00}. On XX/XX/21 I had a water pipe bust in my bathroom causing damage to my living room, dining room and kitchen floor I have black mold everywhere from where the water has been leaking. I contacted my homeowners insurance only to find out that my plan was canceled due to non payment from my mortgage vendor. I pay my payment every month that includes my taxes and insurance. So I contact my mortgage vendor and now they are placing me on Mortgage Forced Insurance? Because they do not know how they forgot to send my homeowners premiums. Everytime I call I get transferred around and no one is trying to help me resolve this issue.

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 2021-12-16
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
This complaint concerns unauthorized money transferrers from our Wells Fargo Account through XXXX Debit. Unauthorized transferrers are as listed below : XXXX {$470.00} XXXX {$480.00} XXXX {$3500.00} XXXX {$3500.00} XXXX {$3500.00} We complained to our branch and to the Wells Fargo Claims Assistance Center. Our claim was denied by Wells Fargo. They stated that the transfer of the money must have been through hacking of our computer. We contacted XXXX, our system security application, and they stated there is not evidence of hacking or a virous on our system. We provided this information to Wells Fargo- but they have not replied for a month. 

The Case Number with Wells Fargo is 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 2021-12-16
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I came to an agreement with midland on a payment plan that satisfied both parties. The last copy of a document I received was after I made a phone call to set up my payments automatically which states I would pay {$100.00} on XX/XX/XXXX and then subsequent recurring payments of {$100.00} beginning XX/XX/XXXX and last payment of {$100.00} on XX/XX/XXXX. I have made all agreed upon payments which were taken automatically and electronically from my account ending in XXXX as per the agreement. I have upheld my end of the agreement and I no longer owe midland anything for the account they own which was previously an express credit card owned by comenity bank. Midland is showing on their website when I log into my account that I still owe {$230.00} and that my account number with them changed and shows no payment history nor allows me to check my old account number. They sent absolutely no correspondence that my account number was changing. Now they are incorrectly reporting this debt and it is still showing on my credit report and harming me when I have done the right thing and worked hard to repay this debt. I called early XXXX and a specialist said the account was paid off, and did nothing else about it. I have since tried to contact midland multiple times to which I have received zero response and no contact whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Army and Air Force Exchange Service
State: TX
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:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

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 2021-12-16
Company: DISCOVER BANK
State: MA
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, I paid XXXX dollars to truist bank auto loan account number XXXX, and I paid XXXX dollars more because Tfs recovery ( Truist XXXX company ) employee asked. after that, Truist updated from XXXX to XXXX dollars. 

But illegally Truist changed from XXXX to XXXX. Digital forensic way can be applied to their wrongdoing. 

Warranty extension I did not want and I did not get any service, so, XXXX dollars monthly bill should be decrease to XXXX dollars. So Truist bank owes me around XXXX dollars. XXXX XXXX more than XXXX miles XXXX is not same value price with XXXX XXXX or XXXX XXXX. Paying XXXX dollars is overcharging and abuse. 
Consumer financial protection bureau and FTC should stop their wrongdoing for many clients in the USA. 


www.worldIntelligencesummit.com

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 2022-08-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Moved into XXXX XXXX paid first month plus security house came available next month gave notice but still put on report and it's been 7 years and it's appearing fresh starting all over again. Government forgiveness paid debt and it's still showing on 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 2023-07-15
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Experian and XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$240.00} XXXX  XXXX Balance : {$1600.00} XXXX  XXXX XXXX Balance : {$240.00} XXXX  XXXX Balance : {$1600.00}

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 explanation
Consumer complaint received 2021-12-16
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: Credit inquiries on your report that you don't recognize

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party. I am the consumer, natural person and original creditor. Pursuant to 15 USC 1681b ( a ), I request the deletion of the following list of hard inquiries included as an attachment in this complaint. Pursuant to 15 USC 1681n ( a ), Experian Information Solutions Inc. is liable for damages due to non-compliance and shall compensate me for {$1000.00} per inquiry.

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 2021-12-16
Company: National Enterprise Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from National Enterprise Systems of XXXX Ohio to collect a debt. I requested information from National Enterprise Systems on several occasions via U.S. certified Mail for the past 3 months they have only provided 2 documents as I requested several documentations. Especially being that they are located in Ohio and I reside in the state of New Jersey. I requested documentation that this company is legally able to collect any debt in the state of New Jersey if so, provide licenses information. I tried to be lenient with National Enterprise Systems in which I explained to them that it is my right to request documentation and to receive it. National Enterprise Systems has been in non compliance since XX/XX/2021. I've attached all documents. 

See attachments.

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 2023-07-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXX. XXXX Balance :- XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2021-12-16
Company: Experian Information Solutions Inc.
State: VA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I completed a modification application late XX/XX/XXXX with the assistance of XXXX. On XX/XX/XXXX Wells Fargo requested several documents, 12 documents which I provided to them onXX/XX/XXXX and XX/XX/XXXXin their entirety and before the sale date of XX/XX/XXXX. Wells Fargo representative called me at XX/XX/XXXX stating that I would not be considered for modification and that they could not move forward with a review even though I provided them with everything they asked for. 

Office of XXXX complaints representative XXXX called me on XX/XX/XXXX and indicated that even though they had received the documents requested they would not be able to review the documents and consider me for mortgage assistance due to the proximity of the sale date and the history on the loan meaning how many attempts I made to modify. 

On XX/XX/XXXX XXXX called XXXX to tell them it was due to a lack in change of circumstances as to why my file would not be considered for re-entry into modification and none of the reasons that they gave were valid. 
!. I have moved back into the property. A very serious change in circumstances. 
2. My overall household income has gone up as I have been able to include my contributors income by prove co-habitation and shown that myself and the contributor have regained possession of the property which were previously being held up by tenants or some people a friend recommended as roommates but took over the home. 
3. My contributors income has also gone up since the previous application. to XXXX plus the XXXX XXXX of $ XXXX net average and my income of $ XXXX 4. I am including XXXX XXXX income now that we have regained possession of the property. 
( after meeting with my accountant I had to cut a few of my business expenses down but it is all reflected in the profit and loss statements attached. )

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 2022-08-29
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation