BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-27
Company: Consumer Adjustment Company Incorporated
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020 original creditor XXXX  return check balance {$330.00} actions taken by the company send me to collection appear on my experian report dont know anything about this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: AmeriHome Mortgage Company, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Company charged two undisclosed fees that amount to an early repayment penalty. 
One was charging to fax a payoff quote. This is a normal part of servicing a loan. Providing a pay off amount. It was not disclosed or approved by the borrower ( me ). Second they charged to record a loan release. Similarly It was not disclosed or approved. 
Looking at if a different way, if this was not paid, were they not going to remove a lien that had been paid off? The bank here is attempting to make the borrowers bear there costs of early repayment. Neither of these would have been charged if the loan was paid off over it's 30 year amortization and amount to an early repayment penalty. Early repayment penalties are not allowed on consumer loans. It's not a lot of money, so most people would not argue with them over it, but it's not allowed and happening to all their customers. They should refund the {$80.00} to all of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Experian Information Solutions Inc.
State: VA
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 had an account with XXXX XXXX. I sold the home on XX/XX/2019. I received a bill for charges incurred in XXXX and XXXX of 2019. I contacted XXXX XXXX to let them know the account was closed and I didnt own the home where the charges were accruing. I supplied the documentation showing the home being sold with the information of the new owner. The charges were supposed to be removed from my account and the account was to be closed. The account was closed but the charges were not removed. I checked my credit report and saw there was a collection amount for {$120.00}. I contacted the collection agency and gave the same information. I disputed the account on my credit report. The account was removed and then reinserted. These charge doesnt belong to me and is negatively impacting my work and ability to acquire credit. This is unacceptable. I disputed the collection again in XXXX. The dispute is still open and the collection agency ( XXXX XXXX ) says there is nothing can do until it is over. I do not own this debt and have given the documentation to prove it. The collection needs to be removed from 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 2023-07-18
Company: WELLS FARGO & COMPANY
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX of a used XXXX XXXX XXXX XXXX XXXX XXXX with roughly XXXX miles purchased of XXXX I got approved for a loan and had to use a ssi to apply and have to pay the lender on a higher rate with already paid money

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 2019-03-14
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
WELLS FARGO, BROUGHT ME TO COURT ON FORECLOSURE, THEY FORCED ME TO HIRE A LAWYER, WELLS FARGO SOLD MY MORTGAGE BEFORE FIRST DAY OF COURT, I SUED WELLS FARGO FOR FAKE FORECLOUSURE, AND FEES, THEY JUST WALKED OUT OF COURT CASE WAS DROPPED. 
XXXX MORTGAGE SCAM COURTS ARE ALL CORRUPT, XXXX MOST CORRUPT CITY IN AMERICA BY XXXX XXXX XXXX. NO LAWYER WILL SUE WELLS FARGO BANK

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 2019-03-14
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
When Firstmark acquired my private student loan from XXXX, they changed the loan from a fixed rate to a variable rate. They have then raised the interest rate from XXXX % to XXXX % and rising. I have called Firstmark three times about this : - On the first call ( XX/XX/XXXX ), they lied and said that they had my promissory notes and were looking at them during the call, and that the loans were variable rate loans. I asked them to send them to me and they said I would receive them in 1-2 days. They never arrived.

- On the second call ( XX/XX/XXXX ), they told me that they did NOT have the promissory notes at all. Instead, they had ordered the promissory notes from XXXX and they would be delivered in 1-2 days. They still have not arrived. 
- On the third call ( XX/XX/XXXX ), they said that they did not have the promissory notes and they had no idea when or if they would arrive. They would not reinstate the fixed interest rate without the promissory notes. 
At this point, Firstmark has illegally converted my fixed rate loan to a variable rate loan. They refuse to reinstate the fixed rate or refund the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: EQUIFAX, INC.
State: VA
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 had an account with XXXX XXXX. I sold the home on XX/XX/2019. I received a bill for charges incurred in XXXX and XXXX of 2019. I contacted XXXX XXXX to let them know the account was closed and I didnt own the home where the charges were accruing. I supplied the documentation showing the home being sold with the information of the new owner. The charges were supposed to be removed from my account and the account was to be closed. The account was closed but the charges were not removed. I checked my credit report and saw there was a collection amount for {$120.00}. I contacted the collection agency and gave the same information. I disputed the account on my credit report. The account was removed and then reinserted. These charge doesnt belong to me and is negatively impacting my work and ability to acquire credit. This is unacceptable. I disputed the collection again in XXXX. The dispute is still open and the collection agency ( XXXX XXXX  ) says there is nothing can do until it is over. I do not own this debt and have given the documentation to prove it. The collection needs to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


# 1 - XXXX MXXXX XXXX  - INQUIRY DATE XX/XX/XXXX # 2 - XXXX XXXX XXXX - INQUIRY DATE XX/XX/XXXX # 3 - XXXX  - INQUIRY DATE XX/XX/XXXX # XXXX - XXXX XXXX  - INQUIRY DATE XX/XX/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 2020-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/XXXX I disputed two accounts with TransUnion that were reported by XXXX XXXX XXXX XXXX for a debt they are claiming I owe XXXX XXXX in the file you maintain under my Social Security number. 

I was informed on XX/XX/XXXX that the item first account # XXXX was deleted from my credit report and on XX/XX/XXXX I was informed that the second account # XXXX was deleted from my credit report. 

Additionally, the account numbers do not match for the original accounts nor does the amount match for both accounts that were deleted. Moreover, this is one of many reasons why these were DELETED and removed in the first place. 

Now I have discovered that the items have been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law and it is why I am reaching out to the CFPB to help resolve this matter quickly.

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 2020-05-21
Company: Nelnet, 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: Account status incorrect

Complaint:
On XX/XX/XXXX, Great Lakes added a remark to my account that dropped my credit score 26 points ( XXXX ) and 20 points ( XXXX ). It was the only change on my report, and I'd done nothing differently- I was up to date on payments and hadn't requested a deferment or forbearance. 
I tried to contest it with the major credit bureaus on XX/XX/XXXX, with no luck. 
On XX/XX/XXXX, Great Lakes removed the remark from my account, which combined with other things ( credit card payments decreasing my balances, a hard inquiry expiring ) raised my score 20 points ( XXXX ). Still haven't gotten the points back on XXXX. 
The erroneous mark dropped my score so much, and it hasn't recovered totally. I should have gotten those points back, but I didn't. 
Great Lakes hasn't communicated with me at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
With all do respect and to whom it may concern. From XX/XX/XXXX until XX/XX/XXXX. Our mortagage carrier was Wells Fargo Home Mortgage. In XXXX of XXXX we were giving an opportunity for a loan modification. We submitted a initial payment of {$910.00} via United States Postal Service XXXX for the loan modification. Wells Fargo Home Mortgage informed us that they never received the {$910.00} payment. We returned to the post office and had a search done. We found out that the {$910.00} payment had been received by a Wells Fargo Mortgage representative on time. We received a letter from Wells Fargo Mortgage stating the agreement was denied because we didn't make the payment on time. The denial resulted in foreclosure proceedings. Which caused XXXX, XXXX and XXXX XXXX. Enclosed are several documents supporting our claims. Many of the documents we received from Wells Fargo Mortgage Department had conflicting due dates. We are submitting our information for review and cash settlement. We want compensation for mental stress and suffering caused by Wells Fargo Home Mortgage. We have recently communicated to Wells Fargo Mortgage through a series of letters and emails we have submitted to The Attorney General 's Office beginning in XX/XX/XXXX. The Attorney General 's Office relayed information to and from Wells Fargo Home Mortgage. Wells Fargo Home Mortgage only then finally admitted to depositing our payment of {$910.00} and did not give our account the credit. For compensation for mishandling our {$910.00} payment in XXXX Wells Fargo Home Mortgage tried to issue us a check for {$910.00} in XXXX. We did not agree to this amount but Wells Fargo Home Mortgage tried to issue us the check and close the case. My family and I have suffered a tremendous hardship and mental stress from being homeless. I lost my job and my vehicle and we are still suffering today. Because of the foreclosure our credit score was and is still effected. We our desperately struggling to get our credit and life back on track. 
We thank you for your time. 

Respectfully

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 2019-03-07
Company: JPMORGAN CHASE & CO.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
chase contacted me and was offering a 70 % paying {$1500.00} reduction in balanced owed but the payment is to high for me to pay in 3 months @ XXXX $ - i asked to extend it to 4 months to bring price down to {$380.00} for me to afford payments and they will not

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: BlueChip Financial
State: KY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XXXX/XXXX/XXXX, I had an amount of {$170.00} taken out of my account by XXXX XXXX XXXX. I called them to have the charge reversed, but they threatened legal action over an overdue payment of {$250.00}. They threatened to have papers served and to have me charged with fraud.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Credit Wise Recovery Solution LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello. I need your help. When I received my stimulus check of {$1200.00} dollars I paid two credit cards off. hoping to better my credit score and purchasing power to buy a house.. One card from XXXX and the other from XXXX XXXX. Creditwise is connected to XXXX. The Creditwise app asked me to look and update my credit information. Before I pushed the button on my phone.my score with them was XXXX. I paid off 2 credit cards and my score went down 61 points! This upset me greatly. I called XXXX to find out what happened they called creditwise because the score drop was alot.. No answer. I called creditwise a few days later talked with an agent she couldn't understand why the score dropped and gave me to her supervisor and she could not understand why also. I receive a note from creditwise with a graph showing the points that dropped. They congratulate me for ontime NO LATE PAYMENTS for 43 months. As you can see it took years to achieve a perfect record for payments. And because I paid off the credit 2 cards with the lessor amounts I lose XXXX points? I did not cancel the cards. How is that FAIR? 
TO ME THIS RUINS ALL THAT I WORKED FOR,. THE TIME USED, AND THE THINGS I SUFFERED. JUST GONE! 
When I first started out to improve my credit score, I got a platinum card from XXXX XXXX.my score was about 640. I made a couple of purchases to get the account going and the card usage was not close to the 30 % and in about 3 months later I looked at my credit score and it went down to from about 640 to XXXX. I lost XXXX points, I called and called and called, Creditwise and XXXX and I could get no answer, except they said they don't know why, for such a great drop, That was from the personnel I spoke to from both companies Now I'm faced with the same thing. My points dropped alot and I made ontime payments.for 43 months, and that's what they told me from creditwise. I use the XXXX  account to buy a camera to make videos. the payment was {$42.00} a month for 12 months for {$510.00} starting from XX/XX/2020. I received a statement last month stating I have to make payments {$81.00}. Why the change? I don't know. This is the month of XXXX and I owed {$410.00}. This is surely a bad deal. So I paid them off with the stimulus check.along with the balance from XXXX XXXX card. And that's when My Score took a serious and unfair dive. I did noting wrong to deserve this action. 
One more thing. I used the platinum for XXXX  XXXX I had paid off, And I used the card for XXXX XXXX and I gain 8 points! 
Please HELP! I need it badly ... Is this punishment for paying creditors?

Company response to consumer: Untimely response
Consumer complaint received 2020-05-21
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To whom it may concern, I recently received an unsolicited phone call from my current mortgage company Freedom Mortgage. Their representatives called and offered to refinance my mortgage from a 3.25 % interstate loan to a 2.75 % interest rate with approximately XXXX in closing costs. I was promised that I would not loose credit for the 5 yrs I've paid into my loan and I would have any overage in my escrow account returned to me. When I got my initial disclosures everything looked fine. A representative called from the company and advised me to stop my auto draft, because I wouldn't have a mortgage payment due in XXXX. so I did. While on the phone, I had several questions about the disclosure that he was not able to answer, but assured me I would get another disclosure 3 days prior to closing.As my closing date got closer and I hadn't seen my final disclosure, soI reached out to my loan officer. I sent emails and made several calls, that I got no response to. On the day of my closing I had a completely different loan. My loan term went from 25 to 30 yrs, my closing costs when from XXXX to XXXX and they took my escrow and applied it to my loan when I was promised that wouldn't happen. I just paid a shortage of XXXX to keep my mortgage note as low as possible during these uncertain times. My wife and I are both healthcare professionals who risk our health and life on a daily basis as we fight this pandemic. Mortgage companies shouldn't be acting reckless during a time like this. We feel like Freedom mortgage intentionally lied to us, hoping we would got through with a bad loan. We thank you for your assistance in this matter.Stay safe and GOD Bless.

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 2020-12-03
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Transworld System collection agency bought a debt from XXXX XXXX. This debt/account was opened fraudulently in my name. I have called the collection agency and XXXX XXXX multiple times in the month of XX/XX/2020 and no one will help me. When I called transworld system collection agency the collection agent just kept asking how I wanted to pay the debt after I repeatedly told him that the debt is not mine and is identity theft. The agent then said they were going to send me a fraud package to fill out but I have not received it. This has negatively affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent accounts present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable accounts on my report. ( Copied from AFFIDAVIT** )

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 2020-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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: Their investigation did not fix an error on your report

Complaint:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent accounts present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable accounts on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation