BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital One is affecting my credit. They have false / erroneous items on my account .... These erroneous items are affecting me tremendously. I have called to have the information removed these false late payments are dragging my credit score down.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: VA mortgage
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:
XXXX XXXX XXXX XXXX XXXX XXXX Please be advised that this case is part of case # XXXX 1.I encountered terrible financial hardship back in XXXX. 
2. I applied for a loan modification for my home wich was financed with Wells Fargo. 
3. I wrote wells Fargo mortgage company requesting that they assess my XXXX mortgage loan to fair market value which appraised at XXXX. 
4. Wells Fargo initially verbally agreed to do it as per the VA loan counselor XXXX. 
5. For unknown reasons, Wells Fargo changed their mind about the adjustment. 
6. I got legal counsel and obtained a lawyer in XXXX XXXX NJ XXXX XXXX. He advised me to file for bankruptcy and included the home at XXXX XXXX XXXX XXXX. 
7. I filed for bankruptcy in XXXX and it was discharged in XXXX. 
8. I recently applied for a VA loan but was denied because wells Fargo reported that they foreclosed on the above listed house in XXXX. 
9. Wells Fargo reported to the VA that they gave me a deed in lieu of foreclosure. 
10. Because of the unscrupulous acts and reporting from Wells Fargo, the VA has reported a debt on my COE. 
11. Wells Fargo mortgage has a long history of consumer abuse.

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 2018-06-11
Company: Navient Solutions, LLC.
State: TX
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:
XX/XX/XXXX they took a payment out my account where they stated that my payments would be reduced to XXXX dolllars XX/XX/XXXX I called navient and they said that customer service got the payments wrong and the payment would be increased XXXX. 

They have gotten payments wrong on several occasions between XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I noticed accounts displaying on my consumer report that are a violation to my rights as a federally protected consumer.

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 2018-02-16
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, I never obtained a payment coupon from the company for XX/XX/XXXX mortgage payment, nonetheless, I mailed in the check to their PO Box address that I found on a previous mortgage statement. I mailed the check on XX/XX/XXXX. I checked my bank statement today XX/XX/XXXX and I do not see it cashed. I called Loancare at their customer service and to my SURPRISE they said that they are not longer the servicer to my loan and in addition they have not received my payment. They claim that they mailed me a Notice on XX/XX/XXXX for making the XX/XX/XXXX mortgage payment to the NEW SERVICER. I told them I never got a letter. I obtain the phone number to the new servicer but they are not answering their phone number. I DO NOT WANT TO be charged a late fee and also WHERE SHOULD I MAKE PAYMENT? Please help.

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 2020-10-10
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I already filed a complaint with CFPB and they never sent me any documentation of the debt within the allotted time as they previously stated they would. I did dispute the debt with the company as instructed. They verified to have received my dispute and still did nothing to remove the debt from credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am currently paying almost {$800.00} a month for my loans and after asking around found out that is pretty high. Most people I know with loans aren't paying more than {$300.00} a month. I had no problem paying that amount until I just got a new car with a {$300.00} dollar monthly payment that will make it impossible for me to afford all my expenses. When I called Navient to have it lowered they said my co-signer should help pay for it. I told them he won't and shouldn't and that I tried to get him removed but they gave me very vague reasons why he couldn't be removed. One of the reasons after I asked for more details is because my income is not sufficient enough to afford the monthly payments. So I don't know why they wouldn't mean the payments should be lowered as then I could have the sufficient income. Online I was under the impression I had to fill out the co-signer form AFTER 12 consecutive months of paying and after giving it to them they said I was suppose to fill out the form, that was going to get rejected regardless, THEN wait 12 more months of consecutive payments. Which would not matter after 12 months because I did that already and they still said I have insufficient income. I need help getting this outrageous amount lowered or I will barely get by as my monthly income is good but with all my other expenses I have I will have nothing left over to start saving. Please help!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
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 been disputing this debt with XXXX XXXX XXXX XXXX ( XXXX ) with no resolution. I sent a certified validation letter on XX/XX/18 in regards to this collections being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. I received a letter stating that this account number xxxxxxxxxxxxxxxx was sold to XXXX XXXX XXXX ( XXXX ) and the time of the sale the Seller provided an electronic file, a summary of information sent in the electronic file and a bill in the amount of {$5100.00} which does not constitute validation. I sent another certified validation letter on XX/XX/18 and in return they sent the same letter as the first time. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt I Also need to know what information was sent to the credit bureau to validate the XXXX. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Southwest Recovery Services, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a followup to my { Attached } CFPB Complaint # XXXX. 
The company { Southwest Recovery Services , INC } responded that this Collection Account will be REMOVED from my Credit Reports while proper debt notification/verification is conducted. I simply would like to know on what EXACT date will the Credit Reporting Agencies { XXXX, XXXX, and XXXX } be sent the REMOVAL action ( s ). This fraudulent Collection Account on my Credit Reports is holding up my processing of an important financial transaction.

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 2018-12-28
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They constantly call asking for XXXX XXXX, I have told them for years that this is not her number anymore and they still call. This one today was from TRANS WORLD SYSTEMS calling from XXXX. They change their number frequently so I cant block them. I am not the person they are seeking and I have no idea who she is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: Guglielmo and Associates
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX I was notified by the XXXX XXXX XXXX  courts and Guglielmo & Associates that my wages are going to be garnished through my employer. On XX/XX/XXXX Guglielmo & Associates and XXXX XXXX XXXX Courts sent a letter of garnishment starting XX/XX/XXXX. Garnishments were taking out of my pay from my employer of {$510.00} totaling {$1200.00}. all payments were made.

Guglielmo & Associates and XXXX XXXXt XXXX  Courts sent another notification of yet more garnishment of {$240.00} and again on XX/XX/XXXXfor {$240.00}.

I contacted Guglielmo & Associates and the stated that they never received the money from my garnishment.

When looking into my credit report the debt is still listing on my record as unpaid resulting in a low credit score and causing any loan at a higher rate due to this old debt.

My employer contacted XXXX  who handles our payroll and they have copies of the cashed checks proof that Guglielmo & Associates cared the check and never informed XXXX XXXX and creditor, credit one that the payment was made. Im still receiving the upsetting legal notices from Guglielmo & Associates and XXXX XXXX XXXX and my credit score is still being affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report today and noticed a collection from National Credit Adjusters claiming that I owe {$480.00} to some company named XXXX XXXX. I have never done business with a XXXX XXXX nor have I ever heard of them. This ridiculous collection has caused my credit score to drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have paid over {$4000.00} in overdraft fees in 2018 thus far. Although many have been my fault many times the bank will put a check through that causes my account to go negative and they will charge me fees for purchases I have made while my account was still in good standing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-12
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
FCRA VIOLATION BK OF MISSOURI/TOTAL CARD Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed. {$420.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} Status Repossession. {$12000.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1800.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-04
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello. Last year I took advantage of an Amex promotion and upgraded my Amex Surpass card to an Amex XXXX card. Unfortunately, Amex chat gave me incorrect information and told me that I was ineligible for the promotion and therefore I downgraded. Since that time, I have learned Amex was involved in a misleading marketing campaign that has resulted in them honoring the same promotion for other account holders and sending them apology letters. In my instances, Amex has suggested they have been investigating what happened to my account for over 6 months yet have yet to offer up with any answers or solutions. I'd like to call this cover-up to the attention of the federal government. This could lead a person to think that Amex is discriminating against me for reporting their actions to CFPB. I have a perfect payment record with Amex and regret they treat me so callously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After viewing the credit report, Enhance Recovery furnished a collection on the credit report which is related to an unfamiliar account. Made several attempts to resolve this matter, however ; no feed-back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, 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:
Status update in XX/XX/2021 on my Equifax report for a credit that has not name and address. I have no way to verify the information or contact the credit because no contact information is listed. I did reach out to Equifax before and aske them to remove this off my credit report but they just keep updating the date without updating creditor information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have tried calling multiple numbers at Experian without avail. The phone tree menu narrows until you have run out of options, or they direct you online. I can't even reach a human in their billing department. 

I noticed this month that Experian double charged my account {$25.00}. I reviewed prior months statements, and noticed this has been going on for months and months. 

It is literally impossible to reach a human at this company. 

I have emailed them at XXXX. I'm currently on hold for over 30 minutes just to try to reach customer service!

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 2017-07-31
Company: SYNCHRONY FINANCIAL
State: NV
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: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX amount XXXX, I was made a dispute at XX/XX/XXXX, cause I not recognize that credit card is my plus I never spend a lot money in one time in any credit card, account numberXXXX, GE Capital Retail Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I inquired about a possible mortgage refinance with Quicken Loans about 6 months ago. Now, the email I provided them has been getting random inquiries from different companies to 1 ) sell my home, 2 ) insurance quotes, 3 ) XXXX XXXX, 4 ) home equity lines of credit, 5 ) home warranty plans, 6 ) Quicken is continuing to contact me via phone and email even tho Ive asked them multiple times to take me off their call list. When I originally inquired on the refi, I opted out of any additional services they may provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Lending Club Corp
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
This is a Truth In Lending Act ( TILA ) complaint against the Lending Club which is now a XXXX Bank. The complaint arises from a suspicious loan they made on XX/XX/XXXX although the company has refused on numerous occasions to provide information requested about the account ( in violation of federal laws ) I, thorough my own investigation have learned that they made the loan through an e mail account " XXXX '' and collected payments of {$950.00} though XX/XX/XXXX this is a total of {$22000.00} or possibly more ( again, the company has refused to provide detailed information about the account ). While I do not know the original balance of the loan ( again because the company refuses to provide that information ), it would seem that on a personal loan, {$22000.00} is quite a lot of payments and I would be hard pressed to believe that regardless of the suspicious nature of the loan, that it was paid off XXXX Lending Club itself reports that its average loan size is about {$9000.00} XXXX. Nevertheless, after repeated notices to the company, including FTC XXXX theft reports, which is, according to the FTC " all that is needed '' the company continues to report this account to XXXX XXXX, and XXXXn as a " charge off account '' and has through repeated disputes with XXXX XXXX and XXXX  " affirmed that as correct '' -- it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: EQUIFAX, INC.
State: SC
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 simply asked Equifax to follow the law in section 605B of the fair credit reporting act. That particular section deals with identity theft. The law is very clear on how the CRA is supposed to act once they get the 4 parts of the law that I'm supposed to comply with. Equifax simply breaks the law and those not give any valid reason of how or why they do this except they feel they are above the law and that their policies can re write the law. I have complied with section 605B of the FCRA many many times and Equifax has yet to obey the law and remove the fraudulent items for over 4 years. I am asking Equifax to obey that particular law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND IT HAS CAUSED SERIOUS DAMAGE TO MY CREDIT REPORT, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE IT REMOVED OFF MY CREDIT FILE.

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