BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 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 30days gives a reason to immediately remove those items from my credit report it has been over 30 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 caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: TD BANK US HOLDING COMPANY
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:
I ask all three credit bureaus XXXX to remove the following accounts/inquiries due to identity theft. 
Accounts 1. Nordstrom 2. XXXX XXXX  3. XXXX XXXX XXXX XXXX  4. XXXX  XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX Inquiries 1. XXXX XXXX 2. XXXX 3XXXX XXXXt 4. XXXXt 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX 9. XXXX 10. XXXX XXXX 11. XXXX XXXX I have written multiple letters/ftc reports demand proof that accounts/inquiries were authorized by me. But so far, the three credit bureaus have not sent me proof of authorization of credit of my behalf but merely state that account have been verified without showing proof. I demand these fraud accounts be removed from all three credit bureaus reports of mine due identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had an account with XXXX XXXX XXXX in XXXX and is was paid and closed in XX/XX/XXXX but they still reporting since XXXX late payments what is not even true because the account is paid in full since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: WELLS FARGO & COMPANY
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
I have lost my Wells Fargo XXXX XXXX XXXX Credit card on or about XXXX/XXXX/XXXX. I was not able to found out about the card being lost/stolen until XXXX/XXXX/XXXX or XXXX/XXXX/XXXX. I called and reported my card being lost with all the fraud activities. There were hundreds of fraud activities on my card from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX totaling almost XXXX The reason why I was n't able to notice it for so long is because I was a victim of XXXX XXXX and my house got flooded. I had to stay at my friend 's house for couple of days. Then I got really busy with work, home insurance, contractors and fixing my house. 
After few days after I reported my card being lost I have received a letter from Wells Fargo stating that my claim has been denied because there was a transaction made after I reported the card lost/stolen. I Do not agree with the decision as there is n't any transaction after I have reported my card lost/stolen and if there is any I am totally unaware of it. There might be a possibility that the transaction was made earlier but posted by merchant later. I called Wells Fargo and I was told that one of the transaction was approved by my phone thru text message. I am unaware of that and I did not approve any transaction. I was at my friends house then I moved to hotel as well, any one can have access to my phone. 
All of the transactions that were made from XXXX XXXX, XXXX thru XXXX XXXX, XXXX are fraud and were not authorized by me. I would like to request the proof or documents of the investigations. Also, I would like to request to re-open and reinvestigate this claim as this is not fair with me to be reliable of paying for such a big amount which I never made transactions of. I am not willing to pay a penny towards these fraud charges as I never authorized those transactions. 
I will be reporting this fraud to all the credit bureaus. I truly believe that Wells Fargo employees still putting their customer 's identity on sake and not what they suppose to do.

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 2021-10-26
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I bought a house in 2020, XXXX with a mortgage {$320000.00} from the quicken loan company. At the very bagging of the pandemic, my wife lost the job. Then I apply for the forbearance plan and the Rocket mortgage has approved and it has been extended up to XXXX XXXX of this year. 

On XX/XX/XXXX, I called Rocket mortgage and asked some questions regarding my payments. They offered me a loan modification plan with hidden conditions basically the interest rate and the years of the mortgage period. 

After receiving the notice of the loan modification, I get to know that the hidden conditions. Then I called them to withdraw the modification plan because of the unreasonable hidden conditions. But they refused to allow to withdraw my consent. 

Then XXXX complaint against them to the CFPB and the complaint # XXXX. After complaining and couple of days later, one of the executing officer called me and agreed to withdraw the earlier unreasonable loan modification plan and I requested a loan deferral plan which is enable to settle the default amount at the end of the mortgage or when I sell the property. I am legally entitled and qualify for the loan deferrals program. 
Finally both parties agreed to those plan and they calculated the monthly mortgage payment for {$2000.00} per month for 5 years. The regular mortgage payment is {$1900.00} per month but they said that they need to recover my property taxes and the property insurances that I defaulted with the forbearance plan. I agreed and they calculated {$2000.00} per monthly payment and later they send me as XXXX. They sent me the notice and I it says that there are no any change the other conditions of the original mortgage agreement. 

I am complaining now because of the following two reasons. 

1 ) They increased my loan balance in {$21000.00}. Because I borrowed only {$320000.00}. Now they show me in my account {$340000.00}. How they have increased this loan amount {$320.00}, XXXX up to {$340.00}, XXXX. 

2 ) They have double charged property tax and the property insurance payment for the forbearance period. Because already calculated default payment included the property taxes and the property insurance. But They have added to the defaulted forbearance period t property taxes and the property insurance to the current monthly instalment. That is the reason I have to pay {$2000.00} instead of {$1900.00}. 

I agreed with loan deferral plan. Please make an investigation regarding above two things

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: AMERICAN EXPRESS COMPANY
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:
Company calls me all day long. I 'm working and my phone goes off maybe like 10 times while I 'm working. They call me from XXXX am to XXXX. They keep harassing me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-25
Company: EQUIFAX, INC.
State: NV
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:
Disputed a hard inquiry from XXXX dated XX/XX/2018. I do not have a personal loan. Equifax failed to remove the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
1. Received check of {$66000.00} as part of mortgage refinancing. Deposited in bank ATM on XX/XX/2021. ATM kept the check. 

2. Next day ( XX/XX/2021 ) the full amount was credited to account, but then was simultaneously debited from account as " Adjustment to EF ATM Deposit '' - this was NOT a check hold while the check cleared ; this was an ADJUSTMENT to the check amount, changing the check amount XXXX XXXX. Bank did not allow me to view an image of the check on either desktop website or mobile app 4. Called bank phone number. In total ( two calls ) on the phone for over an hour. A representative ultimately told me that there was nothing any of the Customer Support team could do, that adjustments was a separate team that customers could not talk to, that I would " hopefully '' be receiving a copy of the check within 5 business days. 

I had urgent cash needs to pay a separate debt and was relying on the check clearing by the end of the week.

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 2021-09-20
Company: Nelnet, Inc.
State: VA
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:
Great Lakes reached out to me directly via telephone Employee : XXXX XXXX XXXX to inform me that she CAN NOT in fact verify the debt I allegedly owe because the School in in question has since closed. That the school closed because of unethical business practices. Great lakes has NO proof that I attended this school, no signatures from me showing proof, and no way to verify this debt. 

I sent Great Lakes an Affidavit of Facts letter ( attached ) and there was no response to remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
this company did not respond to me in a timely matter I wrote them requesting an investigation into items that I believed were INNACCURATE I havw not received a reply from them or any acknowledgment that an investigation has begun. In my previous request

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 2022-03-12
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The CFPB Complaint # XXXX was SOLELY a complaint against XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I wrote President Biden regarding XXXX XXXX XXXXL, and received and acknowledgment letter, that indicated my XXXX XXXX XXXX  was forwarded to the CFPB. XXXX XXXX XXXX targeted me, I have a discharged bankruptcy, they utilized SYSTEMIC RACISM and GERRYMANDERING to DECREASE my credit score. XXXX XXXX XXXX retaliated against me, because I complained about their credit distorting and manipulations. I paid XXXX XXXX XXXX  EARLY. Nevertheless, my credit score was reduced XXXX POINTS in XX/XX/XXXX. In addition, my XX/XX/XXXX payment was NEVER scored. Not to mention, XXXX XXXX XXXX DELETED my Trade line with all three credit bureaus WITHOUT REPORTING MY FINAL PAY OFF to all three credit bureaus. SURLY, this unscrupulous credit distorting is, RED LINING! Plus, I was charged a gap cancellation fee, AFTER being Forced to refinance. Therefore, the CFPB COMPLAINT # XXXX did NOT properly address FXXXX XXXX XXXX presidential congressional. 

CC : President Biden

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2019 XXXX XXXX XXXX XXXX - Wells Fargo Loan number - XXXX XXXX XXXX XXXX XXXX, NJ XXXX I'm filing this complaint to ask that you assist me with my request for a loan modification, with Wells Fargo. 

I first began speaking with them on XX/XX/XXXX and, at that time, was told that I needed to speak with their attorneys - that my account was still labeled as 'IN LITIGATION. ' I WAS working with a company called XXXX XXXX, but on the XXXX of XXXX, I disengaged with them. 

Not only did I send Wells Fargo a copy of my disengagement letter, I sent them a letter removing their authorization to speak on my behalf. And, last week, amerihope send Wells Fargo a notification that they were no longer representing me - at my request. ( See attached files ) As of Friday morning, Wells Fargo STILL has my account listed as IN LITIGATION and is refusing to give me any form of updated information.. despite the fact that I've requested what if I'll be escalated and this is should be immediately resolved. 

I have submitted all paperwork for my request for modification - those documents were confirmed received, as of XX/XX/XXXX. 

Please assist in this matter! 

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
Consumer complaint received 2021-05-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: Nelnet, Inc.
State: AZ
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:
I became XXXX XXXX in the U.S. XXXX XX/XX/XXXX. 
As part of signing, I was promised $ XXXX ( before taxes ) via the Student Loan Repayment Program. 
On XX/XX/XXXX I emailed my loan servicer, Nelnet, at " XXXXXXXXXXXX '' with completed JASLRP ( Judge Advocate Student Loan Repayment Program ) forms for Nelnet to sign and forward, along with my promissory notes for loans, to the Pentagon for processing. 
On XX/XX/XXXX I received confirmation by Nelnet, via email, that my JASLRP forms were received and would be forwarded to the appropriate military office address within about one week. 
Sometime in XX/XX/XXXX I received a packet from Nelnet with a copy of my JASLRP forms and a letter stating that these forms were a copy for my records. Upon further review of the copied documents, I noticed that the loans I had identified to be paid off first ( those with higher interest and principle ) were edited so that lesser loans were identified to be paid off first. This is despite clear instructions that I included stating not to edit that information. 
On XX/XX/XXXX I was informed by the U.S. XXXX that my JASLRP forms were never received by the Pentagon. 
Later that day I phoned Nelnet to inquire about the status of my JASLRP forms. I was informed by a Nelnet representative that despite their policy that those forms were to be sent to the Pentagon, they instead did not send them.
As of the writing of this complaint, neither Nelnet, nor the U.S. XXXX has agreed to solve this issue satisfactorily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10
Company: Experian Information Solutions 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:
THERE ARE 9 STUDENT ACCOUNTS THAT ARE IN FOREBARENCE AND SHOULD NOT BE SHOWING ON MY REPORT PURSUANT FCRA 623 IM DEMANDING THE REMOVAL OF THEM ALL. 

THERE ARE 6 CLOSED ACCOUNTS THAT IS SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE PURSUANT TO FCRA 623 I'M DEMANDING THE REMOVAL OF THEM ALL. 

THERE IS AN ALLEGED COLLECTION ACCOUNT SHOWIN ON MY REPORT TO WHICH I DO NOT RECOGNIZE. I'M DEMANDING THE REMOVAL OF IT PURSUANT TO FCRA 623

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 2017-10-31
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Several months ago, I was contacted by XXXX XXXX XXXX in XXXX XXXX CA about a debt they said I owed to PayPal. I filed a complaint with the FTC and thought this nonsense was over. The debt collector stated that the address for the debtor was for a XXXX XXXX in Texas. I have never lived in Texas and never had a PayPal account. This morning the same person who harassed me before called my XXXX year old mother in Michigan looking for me. I do n't know how he obtained her phone number. My mother called me in a panic and told me about the call. I called the company and the person who answered was XXXX XXXX. 
He did not sound like a XXXX XXXX since he did not speak English very well. I had filed a complaint with you before so I would like this harassment to stop. I do not owe this money since I never lived in Texas and never had a PayPal account. This also happened to my sister a few years ago with a fake PayPal account. She had to give them a list of addresses she lived in but the harassment finally stopped. 
I also want to know how they even got my mother 's phone number since she lives in Michigan and I live in California. I do not even have the same last name is her since she remarried in 1990s. 

Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-31
Company: Navient Solutions, LLC.
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 status incorrect

Complaint:
Navient is reporting all my loans as past due. They refuse to correct it. My loans were in deferment for years. I consolidated the loans with another company in which I pay now. I have XXXX loans, they are reporting XXXX loans and all past due which is not correct. I have never been late on my loans. It has ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Lewis, McDonnell & Associates
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt has been paid in full but it is still showing negatively and is hurting my credit. this debt should be closed out. Please help. 

XXXX XXXX Account number XXXX

Company response to consumer: Closed with explanation