BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-28
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: Account status incorrect

Complaint:
I spoke with XXXX on XX/XX/XXXX to make three accounts current ( and out of forbearance ) and confirm that this would be updated with the credit bureaus prior to a XXXX closing date. 

I called XXXX to confirm at the end of the month and then almost every single business day since XX/XX/XXXX to ensure this was updated appropriately with the bureaus. 

However, as of XX/XX/XXXX all three accounts have not been appropriately updated with all bureaus as out of forbearance, and this is holding up my closing per XXXX guidelines. I have now been charged the EMD ( earnest money deposit ) of {$3000.00} for defaulting on the contract and despite more than 20 calls over the past several weeks, they have failed to correct a single account, although they have updated the bureaus with the loan balances.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was a Wells Fargo Bank customer from XXXX  until XXXX and had a Wells Fargo Checking Account, Wells Fargo Car Loans and a Wells Fargo Mortgage. I believe I was charged incorrect fees that should have not been applied. Additionally, I had numerous vehicle loans loans through the bank in that 10 year period and believe that some of the monthly payments were not applied correctly, resulting in higher fees and interest. Lastly, as a mortgage loan customer, I also believe that I was charged excessive late fees that shouldn't have been charged during the life of my mortgage loan. 

To date, I have not been contacted by Wells Fargo Bank either, regarding the bank 's breaking of federal consumer protection laws that apply to these financial products that I had for 10 years.

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 2023-07-31
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Re-claim # ( XXXX ) For the bank Re Claim # ( XXXX ) For the bank I am writing this letter to inform you why I am filing this dispute. In XXXX I hired XXXX, thinking that they were XXXX they misrepresented themselves to be XXXX  and charged me the same fee as real XXXX. To design custom home plan drawing, I paid {$4600.00} on XX/XX/XXXX as a deposit to get the work started. We went back and forth for several months, from the start it was very hard to communicate with this person after they receive the deposit the project was to take a month but due to not being able to communicate with this person it took a lot longer than I was told it would take but because I paid the deposit I still work with the hoping that we could get the results that I was expected and that I paid for. I also did a dispute in XX/XX/XXXX, because I could not get ahold of him. After the dispute was filed, I got his attention and he asked me to close the claim and he would do better communicating with me and the builder when we where ready to work, I was also told that service comes with several modifications as needed by the city or builder and the XXXX, that he would stay with the project until the building was completed. They also misrepresented themselves as an XXXX  I thought I was hiring real XXXX  He completes a draft and then told me I needed to pay the other half {$4600.00} on XX/XX/XXXX, I filed a despite with my bank I am told that its over the time for the dispute. I am still out {$9300.00} with nothing to show for it I XXXX upload an example of what I was expecting and what I received and what I should have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: MS
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 ) and I am a consumer/natural man submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report by Experian, and I did not consent, nor authorized these transactions on my report. Unauthorized inquiries has been furnished on my consumer report which is a direct violation of 15 U.S.C 1681b ( c ) ( A ) ( B ) ( i ) ( 3 ) under the FCRA. This is also a violation of my right to privacy in accordance with 15 U.S.C 1681 ( a ) ( 4 ). Its your duty to accurately report information and as of now your not doing that and its impairing the efficiency of the banking system and causing harm to I the consumer and my consumer 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 2023-03-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Owned a property approximately 15 to 20 years ago with Wells Fargo. Tried several times to get loan modifications and had several contracts on my home to be sold but Wells Fargo kept denying good contracts on purpose and foreclosed on the property. I was harrassed and suffered because of their negligence. I have records to prove their actions and witnesses.

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Trans Union received my documents via USPS Certified mail with signature on XXXX requesting the deletion of 2 accounts. 
XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX It is well beyond 45 days of any such investigation. 
Trans Union is in violation of : FCRA 611 [ 15 USC ss1681i ]

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 2021-01-21
Company: Commonwealth Financial Systems, 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: Account status incorrect

Complaint:
The company has not supplied proof under the doctrine of estoppel by silence XXXX v. XXXX ( XXXX ) XXXX XXXX XXXX XXXX I have not signed any documentation from said company. I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: ALLY FINANCIAL INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Around XX/XX/XXXX I started the loan application To refinance my home, the home that I had bought on XX/XX/XXXX and that I had Finance with the same bank which is Ally bank after XX/XX/XXXX I provided all the paperwork I was requested I was preapproved and further into the loan I had locked my rate, days before closing I was requested additional proof of income, I am self-employed, since that request I was even requested more proof of income additional proof of income in my eyes I had already put it all the income that he requested he got to the point where I felt my application was in jeopardy My loan was in jeopardy, I spoke to several managers in via email I got in contact with escalations team which said to in writing they bank made a mistake and that they dont give loans to people that do XXXX to my surprise. 
Which I know is not true.What I am requesting from the bank is to complete and process the loan of refinance with the terms I was offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In XXXX the IRS informed me I owed taxes from XXXX plus fees and penalties for not updating my 1040 due to a canceled student loan. Since I had no knowledge of any loans being canceled in XXXX as I was attending graduate school at the time, I appealed to the IRS who replied with the usual boilerplate about paying my taxes on time. I tried to contact NAVINET only to be told they only collect medical debt. I contacted the US Dept of Ed who told me I had no loans canceled at this time. It is important to note that I was a victim of the XXXX XXXX breach. 

I finally reached XXXX XXXX, who I was told got shut down. They gave me a number for XXXX who told me I entered a contract for partial repayment of this private bank loan. Since I recently flied bankruptcy I had searched my records back to XXXX and found no evidence of correspondence with XXXX in XXXX, or ever, actually. So I attempted to file a fraud complaint. This was denied and I was told it was legal for them to have reported the unpaid portion of this debt to the IRS. They said in ANY partial payment in settlement of a debt the unpaid portion is taxable income. This is the first I'm hearing of this. 

My understanding is as a non - XXXX XXXX loan, it is a commercial loan and should be subject to the same laws as any other bank loan. As such, it has expired as it is way past the statute of limitations in both federal law and Virginia law. The call takers I spoke to were rude and repeatedly tried to change what I said on their recorded line. They refused to help me resolve this problem instead trying to get me to agree to pay the full amount. This is blatant fraud and a violation of the Fair Credit Collections Act or such. 

I would very much like to see this company shut down or at least penalized for this disgraceful behavior. The loan and the tax debt need to go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I received an email on XX/XX/2019 from FedLoan Servicing, FedLoan Servicing, XXXX. XXXX   XXXX, XXXX, PA XXXX, and they were informing me that XXXX XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX South Carolina, XXXX informed them as of 2 days ago that I was receiving aid and attending their school when They Are NOT even on my fasfa, and I was never enrolled because I was denied aid. According to the email the school went around that and still tried to steal funds and falsify my attendance. I received notice that I was enrolled via FedLoan when the school informed me I could not enroll due to the denial of aid via email. A man by the name of XXXX told me this via the XXXX whom worked for the financial aid office. Fed Loan and the School falsified aid and facilitated aid when the school was never on my fasfa to even pull aid or contact Fed Loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: Experian Information Solutions 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:
Why do you keep on closing my complaints?! I've had submitted XXXX complaints now, they are both closed immediately and marked as no longer action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of 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 2021-01-21
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 XXXX XXXX XXXX, now known as XXXX XXXX XXXX XXXX is trying to collect {$4800.00} for an account they seek for XXXX XXXX XXXX. I have already disputed this claim back in XXXX with all credit agencies. This is not my account. I did not live at XXXX XXXX. They continue to illegally place this account as a new, open collections account. I hired XXXX XXXX in XXXX Texas in XXXX and the lawyer told me that this was illegal. It is now XXXX and these collection agencies keep changing names and the account keeps showing up on all credit agencies. I do not know what else to do, as this has already caused me much financial hardship. XXXX XXXX XXXX XXXX has tried calling me, however I expressed that I would file my dispute in writing.

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 2020-04-13
Company: NowackHoward LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a XXXX XXXX XXXX whose XXXX has come to a stop due to COVID-19. 

Many of us XXXX XXXX XXXX are facing financial stress, XXXX and some may consider suicide during these unprecedented times. What happened to my XXXX of 20 years due to COVID-19 is not my fault. 
NOW Im dealt another blow from attorneys seeking to generate fees in the collection of a debt that I no longer owe. 

While my mortgage payment and other bills are due. Even my lender is working with me due to COVID-19. But not these debt collection attorney firms. 

On XX/XX/XXXX I accepted a settlement offer that the case would be dismissed for no fees, fines in return I would make changes to landscaping. I have the settlement in writing. 

The debt collection attorneys at that time were XXXX XXXX XXXX and XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Georgia XXXX. XXXX. 

Nowack Howard XXXX XXXX XXXX attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX The week of XXXX I was notified that another law firm Nowack Howard was added to the lawsuit. Now there are Two attorneys firms and Four lawyers trying to collect a debt that was already settled. 

The week before XXXX I received notice from the courts that a case that had been settled was now scheduled to go to trial on XX/XX/XXXX. 

I was blind sighted. From XX/XX/XXXX until XX/XX/XXXX. No activity happened on the lawsuit. I assumed it would be dismissed as agreed. 

Now these attorneys firms operating with unfair practices and have no integrity. All for collecting attorneys fees have decided NOT to honor the settlement agreement in XX/XX/XXXX. 

I have provided written evidence and asked they stop the misuse of the courts time. The only thing they care about is the financial reward of having a new client. Theres no reasoning with the new attorneys as their goal is to aggressively rack of attorneys fees. 

They reopened this case during COVID-19 the week before XXXX which gives me little time to prepare. This was rushed through the courts with the hopes I would have little time to get ready and a default judgement would be found. 

These attorneys have Not acted honestly after I notified them that the matter was settled. They are not trying to avoid non essential litigation. But proceeding with this case as though I committed a crime. 

During COVID-19 these practices from attorneys acting as debt collection agencies should stop. When a written settlement is in place, they should consider honoring said settlement. 

But for financial reward they see before this case would have stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: EQUIFAX, INC.
State: IL
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:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop n I made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have seven negative inquiries credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify and remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. experian is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Step 1 : What is this complaint about?

This complaint is about Bank of America 's practices regarding notifying their clients about transaction in real time and their arbitrary ways of assessing fees.

Step 2 : What type of problem are you having?

I having issues with overdraft fees and transactions not appearing on my account until the day after they went through.

Step 3 : What happened? 

I issued a check, which was cashed by the recipient - however, it never showed on my account until the next day. I went to the bank the day before to confirm that the check was cashed, the cashier or the manager could not see the transaction. I was unable to see it on my app/online banking. I monitored my account for over 24hrs and did not deposit any additional funds because I wanted to get an explanation as to what happened to the check. after 72hrs I did not see the transaction, I went to the bank again and nobody was able to see the transaction. I continued monitor the account- the next day, I was notified by my BOA app that my account was negative because of the check. I called the bank for an explanation as to why a transaction that took place 4 days ago is now showing on my account as if it took place the day before. And if it took place the day before why was not notified? I was told - " we dont know how the back office stuff works, but you are still responsible for the overdraft fee ''. That one charge snowballed into over {$500.00} in fees. I exhausted all of my options at this point to fight these fees. 
Step 4 : What company is this complaint about?

Bank of America.

Step 5 : Who are the people involved?

Myself : 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 monetary relief