BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-26
Company: EQUIFAX, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My account was closed due to bank errors

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: AES/PHEAA
State: HI
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 recently transferred my student loans from  XXXX  to  Fedloans, since I qualify for the federal student loan forgiveness program due to my military service. Two m onths went by with me calling both service providers to ask who I send payment to, and neither had any idea. On  XXXX   XXXX   2017 , I received a letter from  XXXX  statin g Fedloan would contact me about when it was time to submit payment. My credit score th en dropped over  XXXX  points. I received no notice, either via email, account inbox, phone call or regular mail. When my payment information populated on the  Fedloan website, I was able to make payment for the two months  missed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Experian Information Solutions Inc.
State: NJ
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:
In XX/XX/XXXX, Experian began reporting accounts on my consumer credit report without my written consent. According to the FCRA XXXX Fair Credit Reporting Act ), 15 USC 1681b. ( 2 ) consumer reporting agencies may furnish a consumer report under the following circumstances and no other ; In accordance with the written instructions of the consumer to whom it relates. I have repeatedly requested that Experian remove the below accounts and Experian has ignored my request with their latest dispute results dated XX/XX/XXXX stating The company certified to Experian that the information is accurate and the item was not changed as a result of my dispute. 
Those accounts are : 1. XXXX XXXX XXXX XXXX ( this company sent a request to the consumer reporting agencies to have their account removed from my report but Experian is saying that the company certified its accuracy. Please see the attachment with the companies response about requesting this account to be removed after my CFPB complaint against them dated XX/XX/XXXX ) 2XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2018-10-29
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I initially took out the Title loan on XX/XX/2018. I was lied to about the fees, the amount to be paid monthly, and the payoff process. I thought I was getting a 6 to 12 month loan. NOT A 30 DAY LOAN!! THEY FLAT OUT DECEIVED ME. DECEPTIVE TRADE PRACTICES FROM START TO FINISH.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: EQUIFAX, INC.
State: NC
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, NC XXXX Equifax Credit Information Services , Inc. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX XXXX & XX/XX/XXXX, XX/XX/XXXX ) 2. ( XXXX & XX/XX/XXXX ) 3. ( XXXX XXXX, XXXX & XX/XX/XXXX ) 4. ( XXXX XXXX XXXX XXXX & XX/XX/XXXX ) 5. ( XXXX XXXX & XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: Experian Information Solutions Inc.
State: TX
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:
To whom It may concern OnXX/XX/XXXX, and XX/XX/XXXX, I sent a certified letter to XXXX and Experian informing them both that there were a number of inquiries and some are multiples on my report that I did not authorize and to remove them if they are not tied to an account. Inquiries should never be placed on someone 's files unless authorized and I did not authorize the inquiries. OnXX/XX/XXXX, I received two generic letters from XXXX stating that inquiries are factual data ( this is not true because I never authorized for my credit to be pulled from the creditors. After I received the letter I sent the letter again certified and received the same information from XXXX. I still not have received a response from my first letter from Experian and it has been over 30 days. It is very wrong for these credit bureaus to aid in damaging someone 's credit by placing things on there and refusing to remove them after being told over and over again that they do not belong to me. A security freeze is on my reports and both bureaus still allow creditors to access my report without verifying that it is actually me. I am well aware of my rights as a consumer and I am WELL prepared to take the next step if this problem is not resolved and the inquiries are not removed.

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 2018-10-29
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have spent over a year attempting to certify employment for PSLF. After submitting the form three times, and having my employer send a letter to XXXX, they continue to claim that my form is not complete and they can not certify my employment. I have contacted XXXX dozens of times in an attempt to resolve the problem, yet have not received appropriate assistance or a solution to my problem. It is unacceptable for a simple 2 page form to consume hours worth of my time because of a servicer 's inability to comply with student loan policies and procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Navient Solutions, LLC.
State: CO
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:
My company pays a {$150.00} overpayment on my loans directly to Navient. For the last year, I have requested it be directed at my highest interest rate loans. I have been told every time I call, that it is directed that way. Yet every single month it is not. Initially, it was going to my lowest principal/lowest interest loan. I first started calling a year ago. I was able to redirect it at first, but recently I have just been told that it is going to the highest interest rate despite my loan summary/account summary stating otherwise. When asked if they are seeing something different than I am seeing displayed online, there was no explanation and I was told they would send my history in the mail. When I asked again what the discrepancy is, I was just told that they would send it in the mail. I have the authority to direct my overpayment as I choose and Navient continuously is choosing to direct it against my direction in their favor of a lower interest and principal, costing me more money in the long run. I have been exhausted and frustrated from calling every month, so unfortunately numerous months were left incorrect as Navient continues to not correct their errors for future payments. 

Attached are a few examples of my lower interest loans clearly being paid by the overpayments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
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:
They didnt give me any verifiable proof ( have my signature inside ) to prove that these accounts belong to me. XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Navient Solutions, LLC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There are 3 accounts from Navient that show delinquent on my report that should be closed. These accounts were DISCHARGED on my Chapter XXXX bankruptcy earlier this year! My public records list Navient ( private loan ) as DISCHARGED, through the bankruptcy courts of 2018! Why has it shown discharged before, but now its showing delinquent & im getting emails & phone calls from them. I even submitted my discharge papers to Navient, but they continue to harass me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Response to CFPB compliant # XXXX. Wakefield and Associates failed to respond or validate the alleged debt. What they sent me on XX/XX/18 is not valid information to valid the debt. I NEVER signed a HIPPA release form and they failed provide me any documentation with signature or nor did they have a bill of sale. Please review Attachment. The itemaized document is not valid. 



XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Date : XX/XX/18 Re : Acct # XXXX To Whom It May Concern : I have previously sent you a request to validate my debt, account number XXXX on XX/XX/18 AND XX/XX/18 Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from you. 

Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

I look forward to hearing from you, 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 2019-05-23
Company: Experian Information Solutions Inc.
State: NC
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 is reporting a {$1500.00} collection balance on my credit report that exists due to fraud. I am attaching the FTC fraud affidavit and police report I submitted to XXXX about the matter, but they refuse to remove the fraud from my credit 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 explanation
Consumer complaint received 2020-08-20
Company: National Credit Systems,Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My wife and I had lease an apartment on XX/XX/XXXX, and did not renew the lease XXXX, the property manager was not taking care of the units with COVID19 as for safety and health concerns we decide not to renew the lease and the property manager got really upset with us as they where losing tenants by the day. In late XXXX we received a letter stating we owed more that {$2300.00} and I have many times disputed this with the area manger as with the property manager and either I will get the runarounds that they will fix it or they will call me later and never have they made any attempt to fix the billing. I had paid in advance one full year of rental insurance and submitted this to them many times and they have been charging us since XX/XX/XXXX every month, also they have refused to send me an Itemized statement of the billing for utilities charging our account more than what the city was charging. Theres also 2 charges on the account that I have bank statements that where paid off and where still getting charged for them. They also charged XXXX rent when we moved out at the end of XXXX as we did not renew our lease. They are asking for fraudulent charges and I have submitted this to them many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 is reporting a {$1500.00} collection balance on my credit report that exists due to fraud. I am attaching the FTC fraud affidavit and police report I submitted to XXXX about the matter, but they refuse to remove the fraud from my credit 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 explanation
Consumer complaint received 2019-05-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/2019 I was access a late fee of {$38.00}. Now in XX/XX/2019, I was access a late fee of {$38.00}. I called to pay my XXXX bill and was told that I owed {$150.00}. Now they have accessed me a late fee on the XXXX bill which isn't due until XX/XX/2019. Hence {$150.00} ... my monthly payment is {$39.00}. Now customer service say they can dismiss the XXXX late fee, ok that should just leave XXXX late fee, which would bring total cost to about {$75.00} for XXXX. Now that should get things on track ... but no they want that access fee for XXXX to bring it current. Now, when I asked about the XXXX bill they say I owe {$77.00}, this is why the late fees total {$78.00} for XXXX and XXXX and the payment being {$150.00} to bring current, why is that if XX/XX/XXXX is not here yet. They keep talking about the total bill going down, of course that will happen if I pay all these fees I dont owe. XXXX bill should not be in picture with a late fee attached if that payment has not come due to XX/XX/XXXX. To me these people are crooks. I dont mind paying but not for them to extort money from me.

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 2018-10-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am currently struggling to make my mortgage payments to my lender for a legit reason. I had a accident at my place of employment in XX/XX/XXXX and I did recover from it all and then I went back to work and was receiving very small checks from workmans compensation during this time period but not enough for me to make my payments. 
So in XX/XX/XXXX my lender SPS offered me a Trial Plan and i could not afford this either due to not being able to work at this time, I then went to apply for XXXX   XXXX and this is what i now receive today for income with a little help from my wife with her business she has but still not enough to make this affordable for me to able to stay in my home. I am also getting rental income and that is it. 
In XX/XX/XXXX I applied and i was approved for a RE Payment plan of payments that there is no way i can afford to pay. I then opted out of the repayment plan knowing the lender set me up for failure to not make such large payments to them for 12 mos ( see the attached agreement ) I then re applied again for mortgage assistance cause i am doing all i can to get a affordable payment for me with the income i am receiving now. I had been getting income from my daughter but she is no longer living with my wife and I. So i lost her assistance as well. Per the call to my lender SPS they told the 3rd Party AHR that they will not in any reopen my file for any mortgage assistance at all they will only give me liquidation options ONLY. that is it do short sale or Deed In Lieu and i want to keep my home in some way it can be more affordable to me and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for to refinance my mortgage with Wells Fargo Home Mortgage on XX/XX/2020. The home is currently financed by Wells Fargo Home Mortgage. Over the next month, all the required documentation was sent in. On XX/XX/XXXX, I was notified by XXXX XXXX ( NMLS # XXXX ) that my loan was moved in the next level of review and the current time frames are 15 business days. I checked back with Ms. XXXX and the loan officer, XXXX XXXX XXXX ( NMLS # XXXX ) on XX/XX/XXXX. Ms. XXXX gave me a call on XX/XX/XXXX and all she could tell me was the loan was still in review for insurance. I explained to her that WFHM currrently has the mortgage and said insurance was/is acceptable. She said she could not explain why or what they were reviewing and only that the file was in still in review. I heard nothing from anyone after that phone call. I emailed again on XX/XX/XXXX to Ms. XXXX and Mr. XXXX with no response. Ms. XXXX 's auto-reply email had her supervisor, XXXX XXXX ( NMLS # XXXX ), name and email address on the response so I sent him a direct email on XX/XX/XXXX. Mr. XXXX did not and still has not responded. I sent an email to his supervisor, XXXX XXXX, on XX/XX/XXXX. His email stated he was out of the office returning on XX/XX/XXXX. I waited on the XXXX and no response. I then on XX/XX/XXXX, forwarded the message to Mr. XXXX 's supervisor, XXXX XXXX XXXX, while copying all of the subordinates aforementioned. Still no one from Wells Fargo Home Mortgage has responded to me with a status update or why it is taking them 60 days to review insurance they already have on an existing mortgage. I went to the Loan Status tracker to try to find a different way to escalate and found one other email contact for Mr. XXXX XXXX XXXX. I sent Mr. XXXX an email too on 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 2018-10-30
Company: Stenger & Stenger, P.C
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX has hired Stenger & Stenger to collect an old debt from me. I was served with a civil warrant on XX/XX/XXXX with a court date set for XX/XX/XXXX and the warrant was created on XX/XX/2018. I was served 11 days before the court date and my options when I called were ( 1 ) to pay the whole amount of {$520.00}, ( 2 ) pay in installments with a 40 % increase to the amount ( " {$210.00} for costs of suit '' ), ( 3 ) go to court. It's my opinion that 11 days was not enough time to come up with the funds. Seems like they are trying to get more money from me with the sense of urgency as I can not just come up with the full amount in 6 business days and don't want to go to court. I told them I had no other choice and would do the instalments. When I received the instalment contract 2 weeks later in the mail, I was surprised to learn that there was going to be 7 % interest on the payoff amount, which was not disclosed to me in the initial conversation. I called the court to find out any other information and they said there was not a suit filed. I called Stenger & Stenger back to ask about the interest and to see if there was a way to waive the " costs of suit '' fee as there was not a suit filed. The response I received was " These terms have been set by the court '' and they would not discuss it further. The account was closed over 8 years ago. Is there not a time limit to collect on accounts like this?

Company response to consumer: Closed with explanation