BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-10
Company: Brightfunders, LLC
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was inquiring about a home equity line or loan to be in second position and was clear about not wanting to touch my first mortgage. I asked directly and specifically if they do straight 2nd mortgage liens and helocs and he said yes. I told him about another lender only offering a new first and I didn't want that. He said, that is what we specialize in, second mortgages. So based on that information, we applied. After our credit was pulled, he said he would be reviewing all of our application information and get back to us. We scheduled an appointment and when we spoke, he said we can offer you an $ XXXX home equity line of credit but we need to refinance your first mortgage and it will be at a higher rate and payment than what you currently have. How is this not a bait and switch? I told him so and asked that they remove the inquiry and he said he obviously misunderstood what I was looking for ( the conversation was supposed to be on a recorded line ). I want the inquiries that are now reducing my credit score to be removed as I was lied to and convinced to apply based on false product offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: WELLS FARGO & COMPANY
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: Other problem

Complaint:
On XXXX XXXX XXXXXXXX XXXX  placed a hold on my Wells Fargo Credit card for {$280.00}. On XXXX the above mentioned credit card was charged {$84.00}, but the {$200.00} hold that was placed was never credited back to the credit card. 
I checked the account balance on the credit card daily. On XXXX I called XXXXXXXX XXXX XXXX to inquire about the missing {$200.00} credit. XXXX told me they had sent notice on XXXX to Wells Fargo to charge the credit card {$84.00} and to release the {$200.00} deposit. 
I then called Wells Fargo to inquire about the release of the {$200.00}. They told me that since no money transferred ( the {$280.00} hold ) that there would be no entry on my statement. However the balance didn't show any credit what-so-ever. So, I in turn am out {$200.00} because the hold was not entered and I am being charge interest on money I do not have. 
This is just plain wrong. If a hold was placed on my credit card that should be reflected in my credit card statement as I could not access those funds. 
I would appreciate your help with my problem. Should you need any more information please let me know. 

Sincerely, 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 monetary relief
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reached out to Experian letting them know i discovered on XX/XX/XXXX there was a fraudulent account listed on my credit report. I sent a detail letter including .A copy of my Identity Theft Report and proof of my identity. Which is all that is required Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( XXXX ) of that information. I received notification today XX/XX/XXXX. Which is more than 30 days that the information i disputed was either deleted or not displaying on my credit report. Upon checking the information was removed then reinserted with no notification from Experian. According to the FCRA it Consumer reporting Agencies have assumed a vital role and have responsibilities to report consumer information with MAXIMUM Accuracy which they have failed to do so. The data furnisher of this account ( XXXX XXXX ) stated this has not been verified as accurate by them and actually has been noted as fraudulent. They advised me to contact Experian, XXXX, XXXX, This account is only reporting on Experian which my reports from today and dispute results do not even match which confirms they are Willfully negligent in the matter. I have lost over 40 points and have been denied an extension of credit due to this inaccurate information being reported on my credit profile. I need this account removed immediately and i will be seeking damages for the violations.

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 2018-03-06
Company: Experian Information Solutions Inc.
State: NY
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 has " charged-off '' my balance for purchases that were committed under fraud by the managing member of the business we sold to him on XX/XX/XXXX. On XX/XX/XXXX our card had a zero balance. After the sale, this individual made purchases on this account from XX/XX/XXXX through XX/XX/XXXX and accumulated late fees and interest charges on this until XXXX just " charged-off '' the {$1300.00} balance and it is reported on my personal guarantee. All of the credit card statements were going to the buyer of my business and XXXX XXXX never notified me prior to the " charge-off ''. I noticed the problem on the Experian website on XX/XX/XXXX. I spent well over an hour on XX/XX/XXXX & XX/XX/XXXX phone calls with XXXX XXXX but they continued to tell me that they can not provide me with any details due to their information policies. Since this was on my personal guarantee, I should be supplied with all attempts to collect on this account from the buyer of he business and any other pertinent details. The XXXX representatives forwarded me to their XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX. That just allowed me to waste more time on hold and talking to people who could not give me a single detail about my situation.

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 2023-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I received a negative hit on my credit report on a credit card I did not open. This Bank of America card was opened and mailed to an address I had not lived in for almost a year. I called Bank of America on XXXX and registered a complaint. I asked who authorized and was not provided an answer. I was assured it would be handled in 30 days and I would receive a report/confirmation in the mail. 
XXXX has dropped the negative hit. 
NOTE : Amount owed on credit card was annual card fee and penalty. 
XXXX has received another report from Bank of America-60day late- and score has further dropped. I called XXXX to dispute. I called Bank of America back on XXXX and was advised to wait until the end of the 30 days, should be cleared by XXXX. They stated request still processing/being investigated. 
I called Bank of America today as XXXX credit reporting still has a negative 2 payment late strike. I was told by Bank of America that I DID NOT report fraud on XXXX, but I " simply talked about a credit card that wasn't mine '' They are now stating they have up to 90 days to investigate and it could take even longer. 
I asked to speak to someone to review this misinformation and was told I could only speak to the person on the phone and there was no recourse but to wait until Bank of America investigated and decision was made. 
I have no idea what decision they are referring to. I did not open this card and was mailed to an old address. Nor have I received any statements, ever. 
Bank of America opened this account without my knowledge or permission.

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 2024-01-09
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:
The purpose of this complaint is to have an unauthorized hard credit inquiry removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there is an unauthorized inquiry listed. The unauthorized inquiry is listed below. 
XXXX XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: ZARVAD III S.A.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I enrolled with a debt management company on XX/XX/2020 called XXXX. My payday loan.com acknowledged receipt of the ach revocation and did stop taking out payments. They have continued to harass me by email stating they do not work with any companies that help people get these loans paid. My advisor at XXXX has told me they do work with them. I received a very threatening email on XXXX20. Then today XXXX20 I received a email stating I needed to pay {$450.00}. I can not pay this. The reason I have enrolled with payday loan help. I will attach the email I was sent on 6XXXX20. This is ridiculous they send this threatening stuff to consumers. They threatened to turn me over to Contribution a service of Scan and make it where I can not write checks. I looked this up and it appears to be false propaganda.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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: Information belongs to someone else

Complaint:
XXXX XXXX is fraudulently reporting an account on my name that does not belong to me. When I previously contacted the company, I was advised that this credit was from my college that I was attending at the time, which I came to find out was not true! This company is reporting this account on my name with an incorrect address and contact information attached. I have never resided at this address. I also would like to see the contact information that this company has on this account, as well as the banking information that they claim to have received payments from. Nothing associated with this account belongs to me and I have also filed a police report with the XXXX Police Department regarding this as well! This account needs to be removed from my name and credit profile/reports immediately, as I am willing to acquire legal aid regarding this as well.

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 2020-04-01
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I mailed a payment on XX/XX/XXXX with the coupon and check to PHH Mortgage serviced by XXXX. I checked my account and saw the check had not cleared. I called and they confirmed they received the check however because it would pay the loan off they would hold my check for 10 days then process it. It is now 12 days later and multiple phone calls they still have not deposited the check. I'm up to 5 phone calls. On the back of the statement I receive every month it states : Payments received Monday through Saturday at the address on the payment coupon will be credited the date of receipt if 1 ) in US dollars in the form of a check drawn on a XXXX XXXX, and 2 ) received in the envelope provided with the coupon enclosed. I complied with both of these requirements. I did pay a bit more than what I owed to be sure I had enough to pay out the mortgage. They told me I have to wire my final payment. No where on the statement does it say I need to do that nor should I have to pay {$35.00} to wire money to them. My balance is very low. They also ARC the items ( ie turn the check into an ACH ) so their is not reason to not process this check. My account is current and never had a late payment and they can also see I have made a large payment the first quarter of every year to reduce principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: EQUIFAX, INC.
State: PA
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:
Last year I received several notifications that my information was exposed in several mass data breaches such as the Equifax data, XXXX data breach, and XXXX. In result of these breaches my information was used to open multiple fraudulent accounts. After requesting a copy of my credit report and noticing several fraudulent accounts listed on my report, I disputed the accounts via certified mail and have not received a response from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: AES/PHEAA
State: WA
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:
There are 21 months of payments that were not counted for the PSLF program after Fed Loans took over the loans from my servicer. I have been told that it would be updated, and each time I call I am told to call back for later updates, I.e. wait a few more months, that my analyst no longer works there, etc. My last mail notification states the qualifying payments has been modified ; however, it has not changed. I have emailed, called and been given misinformation with continued no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This started over two years ago, I needed a replacement card, customer service kept telling me they are sending me out a card, that I never received, they finally, sent me a card express mail, they told me that they were not going to charge me, and they did. Once I saw I was being charged, I called to cancel my card, and they refunded my service charge. Since this was a secure account, I was due back a refund of my deposit. They made me wait six weeks, I didn't receive my check, so I called, they told me it would take 7 days to receive my check, After 7 days I called was told ten business days. I waited 11 business days, this time I was told they are going to cancel the check and issue a new check and send it out express, I waited 7 days, now being told by the supervisor, they don't send return check express, and that I have to wait 15 business days because of the cancel check, this was never told to me before. I told the supervisor that I wanted to write a letter to complain about this service, and was advise, they don't have an address to write, and that she would, send the feed back. I don't feel comfortable with that, I been receiving wrong information many times from this company. If I was a day late paying this company I would of been charge a penalty, now that they owe me, they can take their time. This doesn't feel right. It is hard to believe that a company like Capital One, is giving me a hard time over a {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Convergent a year ago ( XXXX ) regarding a delinquent cable account in XXXX XXXX with XXXX. First of all, I have never lived in Nevada and secondly, I have never heard of XXXX much less have an account with them. I spoke with a rep at Convergent and they said I would have to take it up with XXXX. I spoke with a rep at XXXX and we found that my info did not match and it was not me and that it would be reported to the collections and credit agencies. Fast forward to a year later XXXX XXXX XXXX, I received another from Convergent regarding the same delinquent account, went through the same process and NOW their info happens to match my info. I believe they updated their account a year ago when we compared information. I looked through some old paper work that I filed away and noticed that Convergent contacted me in XXXX regarding a XXXX XXXX bill that I did not ever have. I'm not sure if it is the debt collectors Convergent or XXXX who are the scammers or both! I have filed a police report for identity theft.

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 2023-09-19
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Issue where my lender is my school
Sub-issue: Cannot graduate, receive diploma, or get transcript due to money owed

Complaint:
My Name Is XXXX XXXX XXXX Im lookiong for legal council to help me in a serious financial debate with XXXX XXXX 

Following up on a previously addressed complaints to many staff members, Consumer Financial Protection Bureau ( CFPB ), The Attorney Generals Office and Even FedLoans services with no progress towards my case. Bringing me to seek Now Legal Action. 
The following information sums up my on going issues with thye university. 


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 XXXX Payment Method : Personal Check or Bank Debit Subject : Falsified State and Federal Information and stoping my education XXXX Falsified Multiple Federal and State Documents under my student Identification number ( XXXX ) applying my federal grants and Federal loans for semesters after my withdraw from the university on XXXX Semesters that were falsely applied ran from XXXX. 
Pell Grant amount applied- {$3500.00} XXXX XXXX XXXX {$3500.00} Stafford In-subsidized Loan- {$6000.00} Student Payments expected- {$670.00} Scholarship Used- {$750.00} Funding Plan ID : XXXX Version : XXXX Generated XX/XX/XXXX Regardless of Withdrawal this amounts were authorized and processed. Eventually reflecting as negative accounts on my credit score for years. An stoping me from continuing my education because a the school refused to release my transcripts.

Taxes were filed on a 1098-T XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Student SS # XXXX Payments Received {$6400.00} Scholarship or Grants {$1700.00} Service provider/Acct. No. XXXX I have documens, Recipts, Emails from Staff Members, applications and with drawl forms supporting my case. 
In XX/XX/XXXX I received Statements stateing I was paid in full and had no other debt towards XXXX XXXXFor Just ONE example. 

I would like to forward you the documents I received and have had on file starting that I dont owe them any more debt. Yet I still am tortured from the staff in XXXX and they refuse to release my transcripts. 

My educational gains my financial goals and my mental health has been completely disrupted by the university and the complete fact that they ignore the proof that I have that they wrongfully will not release my transcripts to this day and XX/XX/XXXX, when I requested them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Great American Finance Co
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a store card from XXXX XXXX through Great American Finance, and they have been violating the terms of my financing agreement by calling me every month demanding I add my banking information again - stating it hasnt been added correctly. They are then charging me two and three times a month via ACH and when my bank denies the extra payments because they are duplicates, Great American Finance charges me NSF fees.

They also call and demand payment over the phone even though I have automatic debit on the account every month. The calls are almost always come from offshore outsourced agents.

They are also refusing to provide me with monthly statements, and Ive not received one since they started taking unauthorized money from my account multiple times a month.

I am an older woman with a disability and they are trying to pull one over on me and take advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: CCS Financial Services, Inc.
State: NV
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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. 

In requesting documentation none was provided. Due to identity theft this should be removed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation