BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-23
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo has been unhelpful and evil during this pandemic. I and millions of Americans are suffering during these trying times and yet, this company refuses to at least help me and others by refunding overdraft and return item fees knowing that much of our income has been less as a result of this pandemic. My state, Arizona still has restrictions, therefore I am unable to make as much income as I did before the pandemic since my work relies on the entertainment, food, bar and tourism industries. 

I am very close to closing my accounts with wells Fargo due to their lack of empathy and am now formally demanding that they refund me all {$410.00} in fees since the pandemic began. 

I just graduated from college into a world in which I can't get a job with the degrees I have because of the pandemic. I am a single father who recently moved into a place that I could barely afford. 

Please show some empathy here, you guys make enough from OD and Return fees, why let your greed disenfranchise others who are dealing with the hardest months of their lives! 

I've just about had it with this company and have zero problems refusing to do business with a company that fails to care about their customers. shame on 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 monetary relief
Consumer complaint received 2022-08-05
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Previous complaints were closed out without any resolution. XXXX XX/XX/22, XXXX XX/XX/22, XXXX XX/XX/22, XXXX XX/XX/22, XXXX XX/XX/22 There are multiple violations that American Express is violating and as a federally protected consumer XXXX this is very troubling as they are affecting my character and quality of life. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Experian Information Solutions Inc.
State: NC
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've sent two dispute letters to Experian disputing two accounts under the name XXXX XXXX XXXX These accounts total over {$7000.00} of collections on my account.

I requested validation from XXXX XXXX XXXX. They then sent me a lease without my name on it, claiming it's mine.

The names in the lease aren't even mine. I'm no where on this lease. I've sent TWO LETTERS WITH A COPY OF THIS LEASE TO Experian, this is a clear violation of my rights under the 609 clause. As it's clear this is not my debt.

I'm now asking the CFPB, FTC and XXXX to step in and demand this comsumer reporting agency delete this account.

I'm attaching a copy of the lease to support my claim, please note in the first paragraph, second line the names of the residents/lessees names.

Thanks

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: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
In XXXX, I co-signed for a student loan for my son through XXXX XXXX XXXX XXXX, and began to make monthly payments on the loan. I also acquired loans for the years XXXX and XXXX from XXXX XXXX XXXX XXXX with the same terms that repayment would commence within 60 days. Each loan had a 177 payments maturity terms. The Sallie Mae Corporation acquired the loan portfolio from XXXX XXXX XXXX XXXX some time after XXXX, and I began to send the monthly payments to Sallie Mae instead of XXXX XXXX XXXX XXXX. I continued to send the payments to Sallie Mae ( now Navient ) through XXXX. My son graduated from college in XXXX. At that time, ha assumed the loan payments, but was sporadic in making the payments. Because I was a co-signer, this was affecting my credit, so in XXXX, I decided to resume payment of the loans myself. In XXXX, while applying for a home loan, I discovered that apparently, Sallie Mae had given me " zero '' credit for my payments to XXXX XXXX XXXX XXXX. This was determined by the balances stated on Residential Loan application, when comparing the remaining months of the loans and the loan balances. I have attempted to reconcile this situation with Navient for years with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
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: Personal information incorrect

Complaint:
Credit bureaus are reporting these addresses on my credit reports but they dont belong to me.I reached out to each credit agency, XXXX, XXXX and experian to have them removed but they are still showing. 


XXXX XXXX XXXX XXXX, MD XXXX Address XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX XXXX, MD XXXX-XXXX XXXX XXXX XXXX XXXX, MD XXXX-XXXX  XXXX XXXX XXXX XXXX, MD XXXX-XXXX  XXXX XXXX XXXX XXXX, MD XXXX-XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD 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 non-monetary relief
Consumer complaint received 2021-04-25
Company: Bread Financial Holdings, Inc.
State: MA
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$21000.00} XXXX  XXXX XX/XX/XXXX {$2100.00} XXXX  XXXX XXXX XX/XX/XXXX {$350.00} XXXX  XXXX XX/XX/XXXX {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage with Nationstar ( Mr. Cooper ) was transferred to XXXX XXXX XXXX on or around XX/XX/2015. After a few months making my payments to XXXX XXXX, they added {$15.00} for a fee. I called them to inquire about this fee and they told me they didn't know what it was for but they were legally entitled to do it as per my mortgage document. I wrote a letter to them asking for the specific reason for the fee and they answered stating that it was for a Property Inspection ordered by the previous lender ( Nationstar ). I believe consumers are not to be charged for expenses incurred by mortgage companies to transfer mortgages between them because we don't have a saying in the process and we didn't ask for it. 
My concern is that this is a hidden fee being charged to other consumers and nobody complains because is a small amount and they don't want to the trouble of claiming it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Basically, Ocwen Loan Servicing, LLC., came into our Mortgage, Note by providing a Modification as XX/XX/XXXX. Thereafter the Modification, the new note became : 1. {$84000.00} from unpaid Principle balance of {$58000.00} as of XX/XX/XXXX. 
2. Interest Rate 5.750 % from 7 % 3. Change in Maturity original date XX/XX/XXXX to  XX/XX/XXXX. 
My concerns are : 1. Ocwen forced us to pay Monthly payment of {$1100.00}. How comes such a high payment in a loan less than {$100000.00} and or, {$84000.00}?? 

2. Ocwen filed for Foreclosure after just three months of mispayments, specially in XX/XX/XXXX ; was that lawfully executed in Florida Laws or USA??? 

3. Ocwen 's Escrow account department charged more than {$7700.00} for XX/XX/XXXX Hazard and Flood Insurance, on a roughly {$120000.00} house value ; that was wrong and deceitful. Those Insurance was only cost {$4500.00}. Ocwen  committed perjury to the court. 

4. Ocwen sold the house even after we Filed Chapter XXXX Bankruptcy. Ocwen has abused us, illegally, and unethically ripped off the property. Ocwen has inflated their numbers so it can steal the property. Ocwen has made it impossible to accept payment from us. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: FORD MOTOR CREDIT CO.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Filed dispute with pro collect inc. on XXXX.requested verification under the FDCPA.the following verification requested were as follows : 1.proof that I either owned or were assigned this debt from the creditors. 
2.proof that you have the right to collect this debt in my state. 
3.proof that your company carries a bond. 
4.proof on how your company assessed the outstanding debt. 
5.payment history from the original creditor. 
6.name and address from the original creditor. 
7.copy of the contract bearing my authentic signature. 
35 days has past and I have not received any correspondence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 sent Transunion Communication on behalf of a collections account that is in dispute on XX/XX/2017. I haven't receive any information on the procedures used to verify the account with XXXX XXXX XXXX. 

I have sent them multiple communications and have yet to receive anything from them, however Transunion seems to have been able to verify this information. 

At this point, my rights are being violated and these companies are not adhering to the law as they are still reporting to my credit within providing adequate responses within the designated 30-45 day timeframe. 

I am having difficulty with purchasing a home and its a result of these negative items that aren't being properly verify. I understand that I'm one person against a huge organization, however my rights are protected. Something needs to be done immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: EXPERT GLOBAL SOLUTIONS, 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:
My wife and I contracted with XXXX XXXX XXXX to purchase a new home in XX/XX/2018. Our credit was verified at that time. The house was not started until XX/XX/2018. Our credit was run again by the builders mortgage company again in XXXX prior to the start of the home. I advised them that there was no need to run the inquiry because the home was not started and the existing report was good for 4 months. The home is still not finished and they are now going to have to run our credit once again. I have asked that they remove the inquiry, however, they stated they did not know how to do this and advised I would have to handle. The lender admitted to me that she made an error by checking our credit prematurely. We are asking for help in having this inquiry removed from both my wife and my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: Experian Information Solutions Inc.
State: MD
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:
I sent a request to Experian on XX/XX/2018 to have them remove a dismissed bankruptcy listing on my credit file and they did not respond to my request within the 30 days allotted by law and I even gave them over 45 days as outlined in the FCRA that says under certain circumstances it may take that long. I then sent a second letter on XX/XX/2018 to have them remove the bankruptcy and they did not respond until XX/XX/2018 with a letter explaining the investigation process and they then sent a copy of my credit file after 31 more days. They have violated the law by not responding in the allotted time frame and they must remove this item immediately. I have enclosed proof that the letter was received and signed for on XX/XX/2018. This listing is causing to be denied credit and the credit that I am able to get I have to pay high interest on

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: JPMORGAN CHASE & CO.
State: CA
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 already submitted a complaint and received information from the executive office. It was updated but now this month is showing a charge off and a balance and I have a paid in full letter from Chase and the back up from my original CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Experian Information Solutions Inc.
State: WY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Experian Attn : Customer Care XXXX XXXX  XXXX XXXX, TX XXXX RE :  Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that is problematic. The inquiry in question was apparently made by XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX ( XXXX ) XXXX They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing inaccurate depiction of my creditworthiness. 
Please update me with a full report on your endings within the next two weeks. I look forward to having this situation resolved as soon as possible. Thanks for your prompt attention to this mater, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: I.C. System, 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: Old information reappears or never goes away

Complaint:
There is a derogatory account from XXXX XXXX XXXX appearing on my credit report. My last payment on this account was in XXXX of XXXX, as that is when I switched to XXXX, which I have to date. XXXX XXXX XXXX has since sold my debt to IC System. They state that the account was recently opened on XX/XX/XXXX which is FALSE. Im guessing that is when IC Systems acquired the debt. It has now been 7 years  since the last date of activity on the XXXX XXXX XXXX account. This debt should no longer be appearing on my credit report. IC systems has fraudulently stated Affected by natural disaster in the remarks section, as well as listed incorrect date the debt was opened. I am requesting that XXXX XXXX XXXX provide the signature page stating when the account was actually opened. IC Systems has blatantly provided false information to the credit bureaus in a gross and dishonest attempt to collect a debt that is now aged past 7 years. I would like this derogatory item removed from my credit report and a written apology from IC Systems.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Radius Global Solutions LLC
State: FM
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:
1. Private Student Loan originated - XX/XX/XXXX 2. Repayment began XX/XX/XXXX 3. Faxed in school deferment forms XX/XX/XXXX with verification of enrollment. ( I have proof of documentation as well as correspondence from XXXX of eligibility of deferment ). 
4. Was told to make 3 payments of specified amount by XXXX XXXX ( XXXX ) to make loan current through beginning of school Fall XXXX semester beginning XX/XX/XXXX with registration XX/XX/XXXX ( I have proof of payments made and account in good standing as well as enrollment verification. ) XX/XX/XXXX Payment - {$66.00} XX/XX/XXXX Payment - {$120.00} XX/XX/XXXX Payment - {$100.00} 5. Was First notified on XX/XX/XXXX that loan was in default with no previous contact or notification from XXXX except for a " this is not a bill '' statement received on XX/XX/XXXX. 

6. I was told on XX/XX/XXXX, by representative to resend documentation of deferment ( I have email proof as well who I spoke with ). 

7. XX/XX/XXXX loan was charged off without warning and I was notified by XXXX XXXX XXXX. 

8. Called XXXX, filed complaint, they researched into this complaint and in less than 24 hours without contacting me for any documentation said there was nothing they could do even with the proof of documentation I sent. 

9. Currently, 4 law suits against XXXX for this exact reason. 

10. Please help as it is preventing me from getting financial aide to complete my education.

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 2020-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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'VE TOLD THE COMPANY I DON'T OWE THE MONEY. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I DON'T OWE XXXX XXXX. ITS BEEN PAID. I DONT OWE XXXX. I RETURNED THEIR BOX. I DON'T OWE XXXX, I PAID THEM ALMOST XXXX DOLLARS. STOP HELPING THEM RUIN MY CREDIT. 

XXXX XXXX HAS A LAWYER. I DO TOO. WE ARE GOING TO COURT. THIS DEBT IS THE RESULT OF SHADY BUSINESS AND XXXX IDALS. IF THIS IS MY DEBT, ITS IDENTITY FRAUD. 

UNDER THE FCRA YOU ARE REQUIRED BY LAW TO REPORT CORRECTLY. I HAVE NO BEEN ABLE TO GET THEM, OR YOU, TO PROVEI OWE ANY OF THIS MONEY. STOP IT. 

MY NEXT STEP IS A LAWSUIT IN STATE, LOCAL, AND NATIONAL COURTS. I REFUSE TO PAY FOR WHAT I HAVEN'T DONE. 

FIX THIS. NOW. 

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 2020-10-15
Company: Dovenmuehle Mortgage, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had made a pre-payment for the purpose of setting up a flex payment plan. This payment was made on XX/XX/XXXX. The first payment from the flex plan was supposed to occur on XX/XX/XXXX. This was a bank holiday so I assumed it would occur on XX/XX/XXXX. It did not occur. I called the servicer on XX/XX/XXXX and they told me that they did not do what they were supposed to do and that if I want to be on this plan I need to pre-ay the loan again and then wait for XXXX for the flex plan to start. This is not what I was told would happen. No one working for the servicer wants to take ownership of this issue. I was put on hold for a half hour. A supervisor picks up, transfers me to another supervisor who hung up the phone on me. Now I am on hold again.

Company response to consumer: Closed with explanation