BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-10
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo claims there was a clear title when modification was obtained. Have furnished supporting documentation from Wells clearly showing they delayed finalizing my modification due to title issues. Title clearly has these liens even then. Liens were put on in  XXXX .and 12 2 years prior to modification.
Now Wells Fargo states they can not do a modification nor principle reduction which   XXXX   XXXX   offers due to these same liens that were there years ago. ( letters attached showing Wells Fargo refusal to assist in any way due to prior modification and any other excuse they can come up with ) they state all liens must be cleared prior to a modification.
How did I get the last one, why has Wells Fargo put a claim in with the title company for the errors made by title and Wells?
Why did Wells deny my right to contact the title company concerning these errors?
Why has Wells refused any help since I asked close to a year ago.
Why is it that there is no protection for homeowners again?
How is it that Wells collected on a title error for the loan and I cant get assistance?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: CNG FINANCIAL CORPORATION
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Company Name- Check N Go Payday Loan City and State of Loan- XXXX , New Mexico Year of Loan- XXXX  Amount of Loan- XXXX Reason For Complaint- Payday loan company check n go is doing illegal activity this has been disputed in the past several times and removed off my credit reports completely and closed out with XXXX balance and somehow this company manages to find a way to put it back on my credit reports Ive tried to speak to check n go and instead of them trying to figure out the situation they choose to argue and Harass me Ive even tried to speak to somebody higher up with authority but I never get a call back I need this company to remove off my credit reports this item is a XXXX balance and should be closed out. Also in the state of New Mexico payday loans are illegal now also this is a payday loan company that should not be reporting anything to creditors. And is illegal. therefore this company is not following rules and guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
FOLLOW-UP TO COMPLAINTS ID # XXXX & XXXX XX/XX/XXXX Re : Rocket Mortgage,XXXX XXXX XXXX, XXXX, Michigan XXXX ( XXXX ) XXXX rocketmortgage.com XXXX Loan # XXXX XXXX ) After I sent complaints to CFPB that Rocket took advantage of senior citizens forcing them to continue to pay their mortgage at pre-pandemic high interest rate, Rocket gave me the 3rd refinance package, which lowers the interest rate, but increase the loan fees, and increase cash closing from borrower. So it's pay now and save later. 

2 ) They wanted to get 2 tax returns for XXXX & XXXX from me, which I faxed immediately, but refused to remove it from Completed Task. Why?

3 ) They also wanted me to pay Flood Insurance, get a Declaration Page, and have the Flood Insurance agent call them. 
I protested, saying that I already paid flood insurance via escrow within the same mortgage company. Why do I have to pay again, when I am not even sure that I will get the refinance loan? 
I had to fax them from my current loan statement the Annual Escrow Account Disclosure Statement which shows that I already paid Flood Insurance via escrow. 

This is very shady and deceitful practice for uninformed borrowers. 
You just pay and pay as they say. 

Yes, I will save {$150.00} a month, but the life of the loan will be lengthened by 2 more years of payment. On top of that, I have to pay {$6000.00} for loan fees because the principal increased from 142K to 148K. Additionally, the closing cash went from {$630.00} TO borrower, to {$800.00} FROM borrower, to {$1000.00} FROM borrower. 

Talking about loan sharks!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2023-10-20
Company: TRANSWORLD SYSTEMS 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 noticed my credit report dropped by XXXX points. There is a collection from Transworld Systems filed on XX/XX/XXXX  for {$510.00} on behalf of the XXXX XXXX XXXX XXXX XXXX. 

I was a member of this health club approximately 10 years and never had a balance. I have never been contacted by them via phone or mail notifying me of any debt. ( I have the same home address and phone number that I used 10 years ago at this facility ) Upon reaching out to them, they could not give me any information! This is fraud and I want my credit restored. This gym is old and declining with the opening of several new gyms and sport complexes in the area. I believe my old account information and social security number must be used as a way to obtain money fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

4. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Affirm Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing the CFPB to inform you of the improprieties conducted on behalf of Affirm Inc, Affirm has no proof of authority written consent or court order that gives them permission to report anything about XXXX XXXX XXXX publicly. The CFPB Fair Debt Collection Practices Act was put into place to protect consumers from such trespasses. Affirm Inc is indirect violation of my rights to privacy as pursuant to the bill of rights. Affirm Inc is defaming my name and character to the public and is also in violation of the US Constitution. These discriminatory transactions that are reported are impacting my ability to attain goods like buying a home, for my personal, family, or household needs. My intent is to seek remedy in federal court. I request that Affirm Inc to cease and desist from all from all forms of communication from all public agencies and corporations including but not limited to all credit reporting agencies and debt collections. I am asking CFPB to investigate this matter and to asset with the remedy of this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-08-23
Company: MOHELA
State: IL
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:
On XX/XX/22 I consolidated all of my loans with student aid.gov in the amount of XXXX. However, on XX/XX/22 I received a notices that around XXXX was forgiving under the XXXX from Fed XXXX. Only partial of my loans weee forgiven leaving me an XXXX balance. I was told and it was writing in the new XXXX policy that student loans will take the highest count of payments. I had XXXX payments to qualify for student loan forgiveness which all of my loans should have been forgiven since I consolidated. My remaining balance was sent to Mohela  stating I owe XXXX which I knew was apart of the consolidation of the balance of XXXX. I should have a XXXX balance since I consolidated all of my loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I spoke to XXXX XXXX on XXXX between the times of XXXX from Sequium collection agency. I was told if I paid the amount in full he would send over an emailed letter stating it would be sent over to the credit bureaus for request of deletion. I asked him if " request for deletion '' would be on the letter and he said yes if I paid in full today it would be on there. I ask a couple times before I paid cause it was important to have that information on the letter along with the company name. I received the letter but the information promised was not in the letter. I have not been able to get In touch with XXXX XXXX since. I've spoken to other managers trying to get in touch with XXXX XXXX and I was first told he was in a meeting and he would call me back, after not receiving a phone call I called again and was told he wasn't in the office that day. When I call the number XXXX XXXX gave me XXXX it says the number is disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: LFG Data Services Holdings, LP
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: Reporting company used your report improperly

Complaint:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
State: IN
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:
Credit information on the consumer credit profile should be deleted since the account is closed XXXX XXXX XXXX # XXXX {$450.00} XXXX XXXX XXXX # XXXX {$630.00} Experian credit bureau Should delete these accounts, since they are closed and no longer valid on the consumer credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
There have been several inquires made via my credit without my consent to different finance companies and banks. These are authorizations I didnt authorize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
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: Account status incorrect

Complaint:
It is Experians duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. Experian is reporting XXXX inaccurate late payments for the XXXX account, which does not have an account numbers to reference to. These include XXXX 30 day late payments posted in XX/XX/2018 and XXXX 60 day late payments dated XX/XX/2018, XX/XX/2018 and XX/XX/2018 and XXXX 90 day late payments dated XX/XX/2018 and XX/XX/2018. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in Experian violating my federally protected consumer rights. To add to this I did NOT give Experian written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that Experian has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2023-08-22
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have consolidated all of my loans & they are now with MOHELA from Direct Loans. I went to XXXX XXXX  as well as XXXX XXXX. I was offered forbearance multiple times & have been on it for years now. I spoke to someone that I was referred to from my teachers ' union, XXXX XXXX XXXX, & I was told by one of their representatives that my situation looked like something called forbearance abuse. He advised me to reach out to the Ombudsman Group & I did so. My case number with them is XXXX. I reached out to them periodically only to be told they were " still investigating '' or that I should fill out a PSLF Reconsideration which I also did. I am not sure what is going on but I am afraid that since this has gone on now for so long that it will be really bad once XXXX rolls around. I need someone to reach out to me & maybe make an appointment to speak because I am very very concerned. My email is XXXX & my mobile number is ( XXXX ) XXXX. If someone can please help I would appreciate it. Thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27
Company: Aargon Agency, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
AARGON AGENCY is reporting a collection on my credit report that I do not owe to them. I have tried to contact them via phone and ask that they provide me with information regarding this alleged debt that I supposedly owe them. Yet, I have not had any dealings with this company or signed any contract with them. I have not received ANY information from AARGON AGENCY because they will not provide it to me. I am not liable for what they claim that I supposedly owe.

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 2017-05-10
Company: Experian Information Solutions Inc.
State: IL
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:
I filed a chapter XXXX bankruptcy in 2012 I was not advised that this would not be able to be discharged after completion, I got a new job and decided I could pay the bills that were on this bk so I had it dismissed I sent the information to the credit bureaus XXXX and exprian refused to remove it, I feel that this should be removed as I was not informed of the discharge status and I dismissed it and paid the creditors.

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 2023-05-20
Company: Nelnet, Inc.
State: IN
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:
My student loans were sold by Great Lakes to NelNet. Great Lakes held my student loans since XX/XX/XXXX. When they were sold to NelNet ( approximately XX/XX/XXXX ), my student loan account was closed on my credit report. It was my longest open line of credit ( since XX/XX/XXXX ). Closing the account, negatively impacted my credit score. A few weeks later, NelNet opened 9 new accounts on my credit report -- one for each individual disbursement over the past decade+. NelNet listed my oldest account at 7 years old although Great Lakes reflected on all three major credit reporting bureaus that it was as old as XX/XX/XXXX ( 12 years -- not the 7 years NelNet is reporting ). The numerous, newly created accounts by NelNet along with closing my oldest line of credit after my student loans were sold, dropped my credit score more than 100 points. I've attempted to contact them about the issue/ concern. I submitted an online inquiry through their website and have not heard back. I called and spoke with a customer service representative who was unable to offer any sort of advice or guidance in correcting the issue. The representative stated that Great Lakes was likely reporting it incorrectly previously. Great Lakes held my student loans for over a decade. I have no control or say in my student loans being sold. Whether Great Lakes was reporting incorrectly or not is irrelevant. Why am I being penalized for something completely out of m control? To make matters worse -- I am currently in school. With the way NelNet is reporting, a new account will be opened on my credit each time a student loan payment is disbursed. In my case, each school term is approximately 10 weeks long i.e. NelNet will create and open a new account each time a payment is disbursed every ten weeks until I graduate. Each new account negatively impacts my credit score. I'm not sure how this is ethical or even legal and have no one to turn too for guidance or any sort of resolution. Credit score impacts every area of our lives : homes, vehicles, school, medical, etc..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not mine. I did not receive care nor have they sent me anything, even though it has been asked many times, to show this is my debt. Other than the itemized statement, which is something I could easily make up..     I would like to see signed documents or original paper work with my signature, ID something to show proof.

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 2023-08-17
Company: LendingPoint Holdings LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a loan with a company known as XXXX XXXX in an effort to start an online business. I was approved for XXXX. The Financing company was XXXX XXXX and their number is XXXX. After I got into the members area of XXXX XXXX I found that I didnt want to move forward with the project. I signed up XX/XX/2023 and wanted to change my mind XX/XX/2023. I called Lending Point XX/XX/2023 and asked if I could just return the XXXX and the representative said yes and that I had to reach out to the merchant XXXX XXXX. I also reached out to XXXX XXXX via telephone to make them aware as well. XXXX XXXX has refused to give the XXXX back even though I have sent numerous emails stating I dont plan on moving forward with them. XXXX XXXX told me they could not do anything as XXXX XXXX will not return the funds to have the loan cancelled out. I now have an attorney working with me in this matter.

Company response to consumer: Closed with monetary relief