BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I AM A CUSTOMER OF WELLS FARGO FOR CHECKING AND SAVINGS ACCOUNTS, ON XX/XX/2021, MY SAVINGS ACCOUNT WAS HACKED, AND A {$5000.00} WIRE TRANSFER WAS MADE TO A PERSON, WITHOUT MY AUTHORIZATION, TODAY XX/XX/2021, I RECEIVED A LETTER FROM THE FRAUD DEPARTMENT, STATING THE CASE WAS " CLOSED '', HOWEVER, THE MONEY ( {$5000.00} WIRE TRANSFER + {$30.00} PROCESSING FEE ) HAS NOT BEEN RETURNED TO ME. I CALLED THE BANK IN MEANS OF GETTING SOME HELP AND I KEPT BEING SENT TO DIFFERENT DEPARTMENTS, IN WHICH NO SPECIFIC ANSWER WAS GIVEN TO ME. AS PER MEANS OF THIS COMPLAINT, I REQUEST HELP IN BEING ABLE TO GET MY MONEY BACK. THANK YOU SO MUCH, HAVE A GREAT DAY.

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 2021-09-18
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I believe that I am a victim of identity theft. Due to the CoronaVirus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I did. I did not receive an actual proof, physical firsthand documentation of the payment history and proof of last payment and these violations persist on my credit report. I just had to escalate to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/XXXX RE : American Education Services XXXX XXXX   XXXX XXXX, PA XXXX RE : Mishandled Payments Not Credited To My Account Dear AES : The following payments have not been credited to my account as is required by contract and law, which is resulting in incorrect information regarding total balance due on my student loan repayment, thus prohibiting and extending my loan payoff : Payment Made XX/XX/XXXX for {$100.00} Payment Made XX/XX/XXXX for {$100.00} Payment Made XX/XX/XXXX for {$50.00} Payment Made XX/XX/XXXX for {$50.00} These four payments appear to be lost in your system somewhere and have not been appropriately posted / applied to my loan repayment plan. These four mishandled payments at different times is a lot and may go well beyond the occasion of carelessness. These loan payments have not been applied or posted by either AES or XXXX. 

To resolve this matter immediately : 1. I request credit for all of these repayments made to repay my student loans ; 2. I request interest be recalculated for the life of the loan to include these repayments at their proper time frames and those dollars credited towards my payoff. 
3. A new readable printout statement showing complete payments, plus interest, and principal paid, with a new lower principal balance and payoff amount. 

For convenience and to quicken the investigation, I sent AES verification that payments were made as stated above and recent copies of the Account History with no indication that payments were ever posted. Corrections to my account need to be made immediately before the next statement and prior to any further payments due. 

I thank you for your immediate attention to correct this gross mishandling of student loan payments made to AES. I look forward to immediate correction. 

These issues have been reported to AES several times including in writing, via their internal Internet, and via telephone. Copies of Statements have also been sent to AES. Personal information is available upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-18
Company: AmeriHome Mortgage Company, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
AmeriHome Mortgage Co. 
PMI Department XXXX  XXXX XXXX XXXX, NJ XXXX Fax : ( XXXX ) XXXX, XXXX has fraudulently charged and deducted from my Bank Account {$62.00} each towards PMI  even after reaching Loan-to-Value 80 % in XXXX, XXXX and XX/XX/2021. Refusing to refund such fraudulent deductions made. Request your intervention to facilitate refund of such fraudulently deducted PMI. Attached is the thread of emails exchanged between their PMI Department, which are self-explanatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: EQUIFAX, 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:
There are several accounts that have been open/closed repeatedly on my report from XXXX XXXX, there has never been a lapse in account that I have had with them. 

There is a XXXX account that has been opened up fraudulently in my name. I have sent in a dispute througXXXX XXXX XXXX and they have refused to acknowledge the frauds behind it. Below are the dates for the accounts mentioned above. 

XXXX Department Store : XX/XX/XXXX This account above was the one that was opened fraudulently. 




XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX The account above is still open but it has been placed on my credit report three times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I RECEIVED A NOTICE BY MAIL, ACCORDING TO THEM IS THE SECOND NOTICE, FOR ME IS THE FIRST ONE THAT I RECEIVED, ABOUT A MEDICAL BILL THAT WAS UNPAID FROM 2012, THIS IS THE FIRST TIME THAT I HAVE KNOWLEDGE OF THIS UNPAID BILL, NO PREVIOUS BILL WAS RECEIVED BEFORE, I ALWAYS HAVE TAKE GOOD CARE OF MY CREDIT AND PAY ALL MY BILL ON TIME, BUT, WHAT IS CURIOUS IS THAT I HAVE MEDICAL INSURANCE THAT COVER ME 100 %, AND IF I WOULD HAVE RECEIVED ANY BILL BEFORE, I WOULD HAVE CALLED TO LET THEY KNOW THAT I HAVE INSURANCE AND MY INSURANCE WILL COVER EVERYTHING. 
I WRIGHTED TO THE COMPANY WHO SENT THE LETTER, ASKING FOR MORE DETAILS ABOUT THE NOTICE, BUT THEY DIDN'T ANSWER ME YET. BUT THEY REPORT ME TO MY CREDIT WITHOUT ANY NOTICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I applied for a credit limit increase on one of my credit cards however, I was not approved because apparently there are two accounts reflecting badly on my credit. I had no idea what two accounts they were referring to until I looked over my credit report and saw one account from a company called XXXXXXXX XXXX and another one from XXXX XXXX XXXX. These accounts do not belong to me nor am I affiliated to either of those companies in any way. I never opened any account with those companies and I did not allow anyone to open an account with them in my name. I did not benefit anything as a result of those accounts that were opened in my name without my permission such as money, goods, services or anything else and I never made any payments towards those debts. I don't know who is responsible for these accounts but I have already filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: EQUIFAX, INC.
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 XXXX items on my Equifax and XXXX XXXX reports that are not mine and are ( fraud ) due to a identity theft I endured, i sent them and I have written numerous disputes for the last year or so ive sent police reports, circled the items, ive sent the FCRA 605B, told them on the phone the problem, everything was done according to the law, and these companies refuse to remove these items on my reports, they are breaking the law and I have now seeked out an attorney to sue both these companies in court, i demand that these fraudulent items be removed from my reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: Exeter Finance Corp.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Notice Of Cease & Desist Title 15 U.S. Code 1692c To whom it may concern, this is also a notice to cease & desist. Violating this code is a Violation of the FDCPA. EXETER FINANCE CORPORATION will be civilly liable under Title 15 U.S. Code 1692k if EXETER FINANCE CORPORATION failed to abide by my cease & desist order. Me XXXX XXXX. 

My Demands : Entire file on me XXXX XXXX All Documentary Evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records. ) Remove inquiry from all credit reporting agencies XXXX XXXX credit application Respectfully XXXX XXXX, Consumer/ Natural Person

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello, I was defrauded by someone from XXXX and my bank, chase, has not been able to help me. He stated he was selling tickets for a musical in exchange for {$400.00}. I transferred the money via CHASE XXXX XXXX and within 10 minutes of not hearing anything back, I immediately called Chase to help reverse the transaction. They could n't reverse the transaction and was told they would not be able to mark it as fraud as I had initiated the transaction. I have called the XXXX XXXX PD ( scammer " XXXX 's '' phone number ), XXXX XXXX PD, and I have put in an internet crime complaint in hopes that 1. There will be an investigation into " XXXX 's '' account and closed as he scamming victims. 2. I would like to get my {$400.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
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: Public record information inaccurate

Complaint:
My bankruptcy info is not accurate, My case # is incorrect and my discharge date, I will like this be removed for inaccuracies.. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
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: Account information incorrect

Complaint:
Florida Department of Revenue is reporting two closed accounts on my XXXX  credit report, one closed account on my XXXX credit report and two closed accounts on my Experian credit file. These accounts are inaccurate, reporting inaccurate balances and inaccurate case statuses. I have made contact with Florida Department of Revenue on many occasions to request that this information is corrected. I have also disputed this information through the credit reporting agencies with no resolution only a return of information verified, but with no documentation provided to confirm the accuracy of the information provided.

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 2019-05-10
Company: Associated Credit Services, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018 I was sent to XXXX XXXX by doctors orders to get urgent blood work done. I was given a piece of paper to bring to the hospital where I was seen to have blood taken. Not once did any person I dealt with that day, inform me that my insurance did not cover that specific blood work. 6 Months after that I started receiving constant phone calls from a collection agency about an {$830.00} medical bill. I was XXXX at the time and thought that bill was my mother 's responsibility, so I gave the collection agency my mothers information. They still have been nonstop calling me and now the mark against my credit is holding me back from replacing my vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have two collection accounts on my credit file that are fraudulent. Equifax is allowing this miscarriage of justice. XXXX XXXX once said, injustice anywhere is a threat to justice everywhere. Equifax is only concerned with promoting their BRAND. XXXX XXXX XXXX/XXXX XXXX, and XXXX XXXX XXXX. has ruined my life. 
I can not get a V. A. Loan because Equifax is permitting these horrendous, horrifying, and horrific deeds. This is 100 % identity theft and Equifax ; XXXX XXXX XXXX. XXXX XXXX/XXXX XXXX does not care. C.F.P.B. must protect me from these bandits. It is all about their BOTTOM LINE. 
Each time these items are removed XXXX, XXXX/XXXX XXXX puts it back on my credit report, and Equifax is sanctioning it. They are trying to collect a debt that is not owed, fraudulent, and it should not be reported to my credit file. I have a police report! As a Veteran who fought for this country, and a XXXX XXXX XXXX XXXX they are treating me like the scum of the Earth. 
Please help protect me against these atrocious, and unspeakable parasites of a company. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I tried to refinance my loan to take advantage of lower rates. I was always timely in my responses and providing information or signatures. Most of the requests that I received were replied to within 24 hours. The loan however took so much time on the processor 's side that at the end of it we were pushing the closing right up to the rate lock expiration date. I received my disclosures on the Friday before my closing which was scheduled for XXXX on the following Thursday. On Wednesday, I went to the bank and received a certified check for the closing. I then received an email at XXXX ( 1 hour and 18 minutes prior to closing ) on Thursday with a new disclosure increasing my closing costs by ~ {$1500.00}. I did not have funds in my account to accommodate this new amount and since it was after hours there was nothing that could be done at this point. The title agency was unable to accommodate a new closing date prior to the rate lock expiration date. This means I am not able to close on this loan which means I have to lose any money that I have already put out for credit scores and appraisals. I am extremely upset at how long the loan processor took to process this loan and that I did not receive the disclosure with the final amount within the 3 business days that are required. I would like to the bank to be held accountable for this and refund the fees that I had to pay for this loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13
Company: MOHELA
State: GA
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:
I believe the school has falsified my information to get me approved for a loan for school. I explained that I did not have a job when applying for school. I was told it was not a problem now that I am in school I am constantly being harassed and threatened about the monthly payment I am supposed to be making while in school. I have been told I will not be able to get my diploma unless the monthly have all been paid when I complete the course. I know of several other students who have the same complaint. I was not aware of the terms of the loan I feel I was misled and I would like clarification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I 've contacted XXXX and the 3 major credit reporting agencies several times in an attempt to have incorrect information updated. XXXX has added and removed balances only to add them again. Proper notice was n't given when this was done. They were unable to provide me with the necessary documentation proving that I was actually late making a payment when I asked within the legal timeframe. They 're also reporting inaccurate information about my payment history to both of my XXXX accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have the correct contact information and I was not able to be notified about extending my forbearance. An extension was granted, but they still reported late payments during a period when no payment was due XXXX XXXXXXXX XXXX and XXXX XXXX ). I respectively ask that the late from XXXX XXXX to XXXX XXXX be removed and set to current. As soon as I contacted XXXX they notified me that my loans were in forbearance. Also, I want all loans older than 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP, as XXXX is doing illegal collecting practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Mercedes Benz Financial Services
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: TRANSWORLD SYSTEMS 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: Account information incorrect

Complaint:
Good morning, This is a formal letter requesting an investigation into the loans listed with the account numbers : XXXX XXXX I never took these loans out. I sent electronic communication to UAS via the online portal, and they directed me to a website to view my MPN. I clicked on the link and it wants me to SIGN one, not view one that has already been completed. 
ALL of my student loans are through Navient, and if there are any listed with my name and SSN with this company, they are fraudulent and I need to know the dispute process to get these removed from my name and my credit report. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In 2016 I requested a loan modification from my lender/servicer Ocwen Mortgage. They indicated that because I had received a modification from my previous lender XXXX XXXX that I was not eligible. I submitted Income information that thoroughly proved that more than 45 % of my income was going to my PITI payment. I went on to ask that at the very least i would welcome for either interest payments to be suspended being that my rate is well above market ( 5 % ) or that principal payments be stopped for the time being and again they denied my request. I have consistently been more than 80 days past due, but under 90 in order to avoid foreclosure and I feel like they are just waiting for me to bury myself. I have been in this home for over 18 years. PLEASE help ME!!!! XXXX XXXX XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Dear CFPB, I am a customer with TJX Reward card. Last month I pain my balance in full. In XXXX statement TJXReward card sent me a statement where they charged {$6.00} interest rate while my next billing due date is XX/XX/XXXX. 

In the statement TJX claimed that the subject to interest was {$260.00} which I do n't know how was calculated since my last statement purchased were only {$93.00}. 

I respectfully request TJX reward card remove this interest from my account. 

Worth to mention, this is not a first time when a credit card try to bill interest on fully paid balances, which I suggest you to investigate. 

As well as the legitimacy of TJX rewards card interest rate of 27.99 %. In Illinois usury rate is set at 9 % Thank you in advance 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