BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Essentially we were victims of Wells Fargo 's widespread mismanagement of home loan modification applications during the period XXXX. Our home was financed by Wells Fargo and when the housing market crashed, we requested a home loan modification from Wells Fargo. 
Intially we received a letter from Wells Fargo stating we were approved. They placed us on a trial payment period which we successfully completed and were then placed on a new modified payment plan. After approximately 2 months of the new modified loan payment, we suddenly started receiving letters that we were in default. We called and wrote numerous letters to Wells Fargo and were finally told that our first medication had been voided and since our home was owned by a group of investors, we were no longer eligible for a loan modification. We attended all of the homeownership workshops sponsored by Wells Fargo including one held at the XXXX XXXX in XXXX, but nothing we did stopped Wells Fargo from pushing us toward foreclosure. 
Eventually, we hired an attorney and filed for bankruptcy to stop the foreclosure process. 
Based on our treatment of the financial stress and the mismanagement of our home loan modification caused by Wells Fargo, we believe we should have included in the settlement.

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 2022-04-03
Company: Nelnet, Inc.
State: AL
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:
The reasons why this is violating my rights by not following Federal Law as Authorized. 
The Federal Credit Reporting Act Requires the CRAs ( Credit Reporting Agencies such as yours to have PHYSICAL COPIES of the contract documents signed with creditors bearing my WET INK signature that are being reported, but everything that is being reported here is transferred electronically, not face to face or by mail. This means that you the Credit Reporting Agency do not review and or verify any credit application, signed contracts or any documents whatsoever that you are reporting and that is in direct violation of the law. None of the items listed below BELONG TO ME and have NOT been verified and or validated as belonging to me and are considered fraudulent and should therefore be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX I attempted an online loan modification on my car loan with XXXX XXXX  in the reduced amount of {$110.00} with the intention to have my previously set up payment suspension program continue until XXXX and for the loan modifications first payment to be due on XXXX. 

I completed the modification online and I made the first payment on XXXX as I believed the first payment date was to be around XXXX for the amount of {$110.00} and that the payment suspension program would continue until XXXX. 

Instead, I later found that the online system calculated an incorrect payment amount of {$1100.00}, effective on XXXX which was the incorrect effective date, and due on XXXX just two days after the request was made. I also did not receive notifications via email about a payment reminder or anything related to a late payment after this modification was completed. 

I put in the request online and now I believe the automated system did not accurately receive the request but I was not aware until I received a 30 day late credit update on my credit, as I received no emails or phone calls that my payment was past due or updates regarding the new total and due date. 

With the attached agreement showing these errors, I am requesting that XXXX update my credit line for all 3 bureaus be updated to paid as agreed with the temporary payment suspension payment program extending to XXXX and with the correct monthly total of {$110.00} instead of 30 days late and a total of {$1100.00}. 

Also, I did not receive any disclosures and notifications on the correct payment amount and due date and the termination date of the temporary payment suspension program, nor did I get any warnings about the next payment being late as other lenders would typically do.

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 2022-02-26
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: Information belongs to someone else

Complaint:
Companys refuse to remove from credit reports sent multiple reports XX/XX/2020, XX/XX/2020, XX/XX/2020 all with attached police report letting them know this account is not mine and was open due to 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 2017-12-18
Company: Lyons, Doughty & Veldhuis, PC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
an unknown person open a credit card with XXXX XXXX XXXX, they sold off the debt when they were unable to verify the person who opened the account. Since that time XXXX XXXX XXXX, XXXX aka Lyons, Doughty & Veldhuis P.C. has garnished by wages and I finally got a release but not all my monies have been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I am the surving owner of my deceased husband ( XXXX XXXXXX/XX/XXXX ) XXXX XXXX XXXX. I am contesting the payment of {$430.00} to Westlake Portfolio Management. Due to fraudulent activities on behalf of U.S. Auto dealership located at XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. I later discovered this transaction and financing was an in house financing with extremely high interest rates. Ballooning the monthly payments. I've requested on several occasions from Westlake Portfolio Management a payment history on this account. And I have not received any documentation concerning the full transaction of this purchase. Therefore I am filing this formal complaint with a government agency to assist me in resolving this debt. I've been harassed and threatened by Westlake Portfolio Management staff and employees. I wish for Consumer Finance to assist me in bringing these threats and harassment to an end. Thank for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened a email that I received yesterday from Bank of America. I have had this credit card for over five years. I have never missed a payment. In the email they stated that they were closing my account. I called the customer service agent and she stated that is was based on risk management factors. 

I did not know I was constantly being monitored in ordered to keep my credit card. I pay on time, I have had this card for years, so why? She said that I had too many inquires, high balances, and late payments on my credit report. I reminded her that I already had the card for some time and was never late. 

This is the first time I have ever had this happen to me? Is this a new practice. I am concerned, is this a signal of things to come in the financial sector? Are the banks tightening up their belts and cutting off the fat? 

I just want my Bank of America credit account to be reopened, to lose it will make my credit score drop terribly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. I will list the items below. When you get this complaint that includes my identification and FTC report please BLOCK and DELETE these fraudulent accounts fro 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 non-monetary relief
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: TX
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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to XXXX XXXX XXXX XXXX ( XXXX XXXX ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: TX
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:
There is a XXXX charge on my report under the name of XXXX XXXX that is not mine. I have been a XXXX costomer for years and they can verify the account is not mine. When i told XXXX they said they have nothing to do with this because they didnt do it they say experian did it. I have filed disputes with experian and they do not help me. I am so distraught to know someone elses negative accounts can be added to mine just like that. It is not my charge off. please help me. I take very good care of my credit and this is really affecting my mental health.

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 2023-08-28
Company: Thaxton Investment Corporation
State: SC
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed a copy of my full credit report. There are accounts on my report that I do not recognize. I did not open these accounts. I have not used these accounts.

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 2022-11-20
Company: Credit Karma, LLC
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Between the months of XX/XX/XXXX to XX/XX/XXXX Credit Karma has been sending me notification from their websites stating that I was preapproved for XXXX credits, cheaper auto loan refinance and a personal loan for up to {$5000.00}. I applied and has been denied from all of them. I have been stressed and at those times I really needed the money. This has caused harm to my credit report and has cause me to accrue more damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
When I applied for, and was approved for XXXX XXXX on XXXX, the Capital One website ( screenshots attached ) said New Cardmembers would earn {$200.00} off after spending {$500.00} in the first 3 months. The website also said Previous and Current Cardholders may not be eligible. I never had a XXXX XXXX card previously. 
I spent over {$500.00} in the first few days after receiving the card, and noticed I only received the regular 1 % points. 
I called Customer Service to ask why I did not receive the {$200.00} and all they could say was that the offer was not on my account. 
I canceled both of my Capital One cards ( I also had a XXXX Capital One Card ) later that day, and in the " other '' section noted the reason of " did not receive XXXX intro bonus XXXX  XXXX '', as well as checking boxes for " rewards '' and " customer service '' as reasons for canceling. 
Something told me to XXXX Capital One XXXX XXXX later that day, and I noted a new page for XXXX  XXXX, which had Columns for Good Credit, and Excellent Credit. My credit score at the time of applying was XXXX which is only Very Good. The Good column said 29.99 % interest and no intro bonus. The Excellent Column had the {$200.00} intro offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
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:
I previously filed several complaints with CFPB for other issues with XXXX, for example a checking account, they mishandled my paycheck on more than one occasion, ie holding funds that had been verified, therefore causing a number of subsequent issues ( bill payments bouncing, not having availability to my funds at the date it was said to be available, charging fees, etc. ). When my funds finally became available I immediately moved it to a new bank and XXXX attempted to reacquire to be spiteful and without my consent. I blocked them ... My new bank alerted me, honored the rules, but I had to go to my new bank to fill out a form stating XXXX attempt was not approved and they could not withdrawal from my account without my written consent, ever. 
Since that time XXXX continues to retaliate against and attempt to bully me for the complaints I have filed with CFPB, by closing my credit card ( XX/XX/2020 ) for no valid reason ( gave me several different reasons over several unnecessary phone calls and messages ), causing " glitches, '' therefore making extra work for me to do, compounding interest and reporting incorrectly to all three credit bureaus. 
Since closure, I have paid this card as agreed, on time and in full ( {$2700.00} XXXX XXXX ), however XXXX is continuing to report as active account, charging fees they are not entitled to, compounding interest ( interest charged is the same amount now as it was when the account was open ) and reporting the limit too high ( {$2500.00} is what I agreed to and had ). To my understanding this violates several laws ... Fair Credit Reporting, attempt at theft, etc. 
I held on reporting this until now for four main reasons 1. I did not catch how they were reporting until 4 months ago 2. I keep trying to give them the benefit of the doubt they will act accordingly, they wont obviously 3. I paid/closed my auto loan account and wanted to make sure they could not retaliate further for this one and mess something up. 4. I am tired/lost patience a long time ago for the games they play They made this personal. It is pathetic and a waste of my valuable time to keep contacting CFPB to reprimand XXXX. XXXX has to follow the rules they are bound to, remember it is not their money we allow them to handle and just because they have a lot of money/power they can not just do whatever they want. 
I am not the only person I know of them doing this to. 
XXXX need to be XXXX  just as XXXX XXXX was recently : ) Thank you for your time.

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 2022-11-20
Company: Block, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I will be filing a lawsuit. I been contacted the corporate office and I get the receiving end of the phone hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I used to have chase before this since 2018 they closed my account with no reason so I try to open an account with chase bank a week ago they open the account but when I was trying to login into my online banking they said I wont be able to have an account with them cause the bank dont want to have a relationship with me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
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 recently checked my credit report and noticed accounts listed that I do not recognize or never had a contract with

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 2023-06-15
Company: Experian Information Solutions Inc.
State: MD
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX CT XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX, XXXX OF XXXX XXXX Balance : {$500.00}, XXXX XXXX SER XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX OF XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

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 2022-02-26
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This company failed to address my complaint, lied and are non responsive. 
Last complaint XXXX The provided false statements in written form and are trying to extort money from us. 
XXXX is the 'escalations analyst ' that wrote the false statements. The number she provided for contact results in dead end! 

The attachment covers it all!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation