BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-21
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
It I s with great devastation and confusion that I am writing to you regarding the inconsistencies of Wells Fargo. 

I had requested various times a work out plan that will benefit us all. Wells Fargo has made previous decisions and calculations that were incorrect.. Never any explanations or concern of my circumstances. I requested on XXXX XXXX that Wells Fargo review my file again and make the necessary adjustments for my wife is on a full time job over 8 months. 
Let me summarize my unfortunate set of circumstances beyond my control which leaded me to default on my mortgage. 

In 2013 I suffered a XXXX injury resulting in XXXX XXXX XXXX. as a result of the injury. 
I could not work and was out of the job for ten months. As the head of the household there was no income coming in. My wife was the only one now working at a part time job. Not enough income to feed XXXX people I have XXXX children. Please understand that this is our only shelter. 

I have presently taken distinctive steps to better our finances .I am certain my financial situation will continue to improve .I have provided several packages to Wells Fargo to no success. They are now refusing to review my file. I need for you to please reach out to them for they are not helpful.

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 2019-03-28
Company: EQUIFAX, 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:
Dear Sir or Madam, I reviewed a copy of my credit report and I noticed unauthorized inquiries had been made by the following companies : EQUIFAX MORTGAGE SERVICE Inquired on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX/XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX Inquired on : XX/XX/XXXX I contacted the above mentioned creditors and asked them to remove their credit inquiry from my credit profile on several occasions however all of the inquires have not been removed. Im request that you remove these inquiries on my credit report and send me an updated copy of my credit report. I'd like the credit bureaus to please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation if the above credit inquiries are not removed. Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04
Company: MoneyLion 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:
The three credit reporting agencies have to have everything aligned on an individuals credit report ; for example, on one of my closed accounts it says I have a late payment. XXXX  says I have a 30 day late payment on XX/XX/2019, XXXX and XXXX says I have an on time payment. On another, it says I have a 120 day late payment on XXXX but on XXXX and XXXX it says I have on time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In the end of XX/XX/XXXX I noticed IC System showed up on my XXXX XXXX Credit Score under XXXX. At that time, I reached out to IC System to inquire about nature of debt. I was informed that the debt is from an XXXX  XXXX line between the years of XX/XX/XXXX and XX/XX/XXXX. I communicated to the representative that I am unaware of services I received from XXXX during that time period. I was told to reach out to XXXX for confirmation. Upon reaching out to XXXX  I was told that they no longer have any information on accounts and to contact IC System. 

On XX/XX/XXXX, IC System offered to reduce amount by 50 % to {$110.00}. I reiterated that I still have no knowledge of the account but I wanted to resolve this credit issue and was becoming increasing frustrated and exhausted from length of call without resolution. Out of pure exhaustion and frustration I attempted to pay the amount to get all of this behind me, even though I was still unaware of origin of debt and debt collector reported not having the information. 

This led to several more hours of attempting payments online and being directed to bank payment sites at the instruction of representative. Outcome of this multiple hour call was a confirmation number from site suggested to go to for payment. I was told I would receive an email to confirm. 

Weeks later, I still had not received email or confirmation and called back. Representative informed me no payment had been made even though they had a confirmation number they referenced in account. I was informed that I paid XXXX   directly and I shouldn't have. I informed IC System I only followed their laborious and confusing instruction. 

After call ended I checked bank statements to see if payment had been made or not. Charge did not leave my banking account. 

I feel duped and not even sure this is a legitimate debt collection agency and I am unwilling to pay or settle for a debt I am not aware of and collector can not provide information on. 

Feeling extremely frustrated and hoping submitting this complaint will provide some resolution and/or shine a light on a fraudulent or incompetent debt collection agency.

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 2019-09-30
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX 2019 I became aware that an account was opened under my name based on doing a credit report. On XXXX XXXX 2019 I called the company Nordstrom in regards to this issue and the representative informed me that I needed to write a letter in my handwriting stating that I did not opened the account and how I became aware of it and to also include a copy of my drivers license. On XXXX,2019 I sent the letter. On XXXX XXXX,2019 I finally received a response stating that they " determined that the information provided does not support your claim of fraud '' and that it would 'continue ti report the credit bureaus. I do not understand how they do not consider it fraud. I have lived at this home address for more than 15 years. I know for a fact who ever made the account did not put my current address because I never received a bill or the actual card. Whoever address they have on file is the first step to get in contact who stole my identity. Nordstrom response made me feel like i am the criminal when in fact I am a victim of identity theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
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:
Im a victim of fraud ant I sent them by mail my police report they claim they have not received it and refuse to remove the fraud accounts and inquiries after telling me they will

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX, my Bank Of America issued XXXX credit card was fraudulently used for 4 unauthorized purchases. I got text alerts for 'unusual activity ', and I immediately got it blocked to prevent further damage. All this while the physical card was at home in my purse in the closet! I have never visited those store locations and I have my entire credit report to prove that. 

Since then, their fraud detection team is driving me bonkers - first crediting my account for all charges, then going back and claiming that 2 out of 4 transactions are actually non-fraudulent. A person in the claims department said that the 2 transactions they think are not fraudulent is because the actual chip on the card was used for those transactions. Which is absurd because I had the card with me all the time. So either the card was magically cloned down to the chip or their detection/analysis algorithm is flawed. 

I have called 3 times, got transferred between departments and every time they say that the resolved disputes have been reopened and it will take 60 days for processing ( 2 billing cycles! ). 

I have received no email/snail mail notification about reopening my case. The rep at fraud detection department even wrote down against my case to contact me immediately on my mobile. Nothing. He even refused to tell my my case number so I can refer to it later.

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 2017-01-26
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I co signed on a school loan from XXXX bank when my son attended XXXX. It was deferred for a good while because my son could n't get a decent paying job. He has been paying XXXX now for a while. Before XXXX he wanted to be paid so he paid extra. He was paid ahead almost 3 months. 6 days after he last made a payment his loan was bought by Firstmark Services in XX/XX/2016. He received an email and an immediate bill saying his payment was due. He called and explained he was paid ahead for XXXX and was told they do n't do that and the money he paid ahead was put on interest, They changed his payment from XXXX to XXXX a month. He explained that he paid ahead and this was n't right what they were doing. They told him they would conduct a investigation that could take up tp 2 weeks. They started calling my house in XXXX and I told the lady he was ahead 3 months. She said to mail his proof that he paid ahead so he sent proof to them from his bank. In XXXX they started calling everyday all day threatening my credit if he did n't pay. He called them and was told that the 2 week investigation could take 120 days or as long as they wanted. I have repeatedly told these people that there was an investigation going on. Now they are threatening us to sue at the end of XXXX. Everyone I talk to knows nothing because they did not even have the paperwork yet from XXXX Bank. They know the loan is there but know no facts. All they do is threaten us on the phone. My son will make the rest of what they claim he owes so it does not go to court. But I feel like we are dealing with the mafia or loan sharks. Do what we tell you or else. I have ask at least 3 different people how they would like it if there car loan was paid 3 months ahead and then sold and they were ask to start paying immediately. They said they would not like it, so why is it fair to do that to my son. I 'm upset because I have really good credit and they keep threatening me for no good reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Immediate Credit Recovery
State: IN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX called into my place of employment. I asked for the name of the company. female hesitated and went on with call as though she did not hear me. I asked again she finally reveled where she was calling from. I then told her that I am not to receive calls at my job. I asked that my number be removed. she laughed and said no. However she didnt know that the whole call was being recorded

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In the end of XXXX I noticed XXXX XXXX  showed up on my XXXX XXXX Credit Score under TransUnion. At that time, I reached out to XXXX XXXX  to inquire about nature of debt. I was informed that the debt is from an XXXX  XXXX line between the years of XXXX and XXXX. I communicated to the representative that I am unaware of services I received from XXXX during that time period. I was told to reach out to XXXX for confirmation. Upon reaching out to XXXX I was told that they no longer have any information on accounts and to contact XXXX XXXX. On XX/XX/XXXX, XXXX  XXXX offered to reduce amount by 50 % to {$110.00}. I reiterated that I still have no knowledge of the account but I wanted to resolve this credit issue and was becoming increasing frustrated and exhausted from length of call without resolution. Out of pure exhaustion and frustration I attempted to pay the amount to get all of this behind me, even though I was still unaware of origin of debt and debt collector reported not having the information. This led to several more hours of attempting payments online and being directed to bank payment sites at the instruction of representative. Outcome of this multiple hour call was a confirmation number from site suggested to go to for payment. I was told I would receive an email to confirm. Weeks later, I still had not received email or confirmation and called back. Representative informed me no payment had been made even though they had a confirmation number they referenced in account. I was informed that I paid XXXX  directly and I shouldn't have. I informed XXXX XXXX I only followed their laborious and confusing instruction. After call ended I checked bank statements to see if payment had been made or not. Charge did not leave my banking account. I feel duped and not even sure this is a legitimate debt collection agency and I am unwilling to pay or settle for a debt I am not aware of and collector can not provide information on. Feeling extremely frustrated and hoping submitting this complaint will provide some resolution and/or shine a light on a fraudulent or incompetent debt collection agency.

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 2017-11-20
Company: Experian Information Solutions Inc.
State: OH
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:
I sent the Credit Bureaus along with this agency ... Certified letter, affidavit of fraud, police report..My ohio drivers license ... and copy of social security number. I instructed the bureaus to valid all debts Public and private with the following according to the Fair Credit reporting act sections : 604, 609, 611 and 613 ... so there was no misunderstandings about my request according to federal laws. I instructed the bureaus to validate my accounts thur Original Documentation..original contracts and signitures. They never producted any thing ... nor would they tell me how there investigation started, or ended. I later called all said " Creditors '' and they advised me that the Bureaus Never contacted them. Whereas the bureaus state that they did a thorough investigation according to fed laws. Please refer to docs sent to this agency that 's on file. The bureaus took some items off ... back they are now still reporting ...

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 2016-02-10
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
XXXX XXXX, XXXX Navient XXXX, PA XXXX Re. Account # XXXX Dear Sir/Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
In XXXX XXXX, I contacted XXXX XXXX and requested an In School Deferment. XXXX XXXX granted the Deferment commencing in XXXX XXXX and concluding in XXXX XXXX. 

In XXXX XXXX, Navient took over my private loan account from XXXX XXXX. No information was ever relayed to me regarding this split by XXXX XXXX. As a result of this split, my information concerning my In School Deferment was never relayed to Navient. My account was not updated and Navient was not able to process the In School Deferment. 

Sometime in XXXX XXXX, upon learning of this split, I contacted a representative from Navient, requesting information about my personal loan. The representative stated that she had no information regarding my loan and my name was not in their system. 

In XXXX XXXX, my co-borrower, contacted and alerted me that he was being harassed by Navient collection agency through telephone calls and threatening letters. On XXXX XXXX, XXXX, I contacted Navient who informed me that they did not send out any threatening letters. The representative explained that they had taken over the account from XXXX XXXX and 120 days had elapsed since any payments were made to the account. 

It should be noted that at no time was I ever alerted by Navient or XXXX XXXX that my account was 120 days delinquent. Moreover, my In School Deferment ended in XXXX XXXX, yet Navient continued to provide inaccurate information to the XXXX credit bureaus. 

Upon learning of this alleged delinquency, I set up a monthly payment plan in order to bring my account current. As of today, I have made the required monthly payments and my account is in good standing. 

I am very distressed that you have included the attached information in my credit profile due to its damaging effects on my good credit standing. Because of the mistakes, my co-borrower and I have been wrongfully denied credit which was highly embarrassing and has negatively impacted our lifestyles. Please reinvestigate this matter and delete this information from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
On XX/XX/19 my tenant bought a MoneyGram money order # XXXX. 
At WalMart in XXXX, Ny. 
Walmart transaction st # XXXX op # XXXX te # XXXX tr # XXXX The money order was printed incorrect. In words the amount was " XXXX XXXX XXXX XXXX dollars '', but in numbers {$430.00}. 

When deposited at my bank {$430.00} was deposited. 
The money order was returned, because of the printing error. 

MoneyGram investigated and I settled with them for {$430.00} less {$18.00} fee. 

I filled a complaint with WalMart, the following was their response : Question Reference # XXXX Dear XXXX, MoneyGram Money Transfer,  including Walmart2Walmart World, is a low-cost service that allows customers to transfer money from more than 4,000 Walmart stores nationwide to any MoneyGram agent for low cost and at competitive exchange rates. 

MoneyGram is a licensed money transfer operator. For more information visit walmart.moneygram.com, or for technical assistance or to check on a transfer, you can contact MoneyGram at ( XXXX ) XXXX. 

Thank you, Walmart Customer Care

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I have a current credit card with Capital One. I've been in and out of the hospital about 5 times in the last month and will likely be going to stay for XXXX XXXX soon. Both companies have been told that this is the case, but they are still calling my phone up to 5+ times a day with the same messages and I don't know what else to tell them. With the medications I'm on at the moment, I can't make any financial decisions with them, but they won't stop calling

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21
Company: EQUIFAX, INC.
State: GA
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:
I've noticed this inquiry which i did not authorize or gave any consents on following day : - XXXX XXXX XXXX XX/XX/2017 I surely believe maybe it's fraud or stolen identity. 

As result of this, my credit has been affected and preventing me for applying for loans. 


Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
While I was trying to get on an income based repayment plan for my private loans, I had asked the customer service rep I was on the phone with if I could call them right back to check my payment amount on my federal side so I could comfortably make both payments. The rep said yes, but in the short 20 mins that I left the phone with the private lain side to speak to the federal side, the Rep contacted my co-signer, my elderly grandfather on a fixed income, and told him that because I could n't pay the full amount he was responsible for paying my loans. They told me because they had looked up my grandfather 's income, I was no longer eligible for a repayment plan and that my private loans are now completely my grandfathers responsibilty, regardless of his fixed income, age and health issues. When my grandfather told them he could n't pay the full amount and that I would have to be on the repayment plan, they immediately put a bad mark on his excellent credit score and brought his credit score down.

Company response to consumer: Closed with explanation