BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-27
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I closed my XXXX " XXXX '' account due to being charged a late fee at XXXX XXXX as their closing date is at XXXX XXXX. I disagree with this and closed my account. ( They did refund the late fee ). 
I cut up my card and sent a letter to XXXX closing my account. 
Due to not having the account number I am now unable to call to make payment as the XXXX phone number requires the input of an account number. I selected any option and did find someone to accept my payment but the customer service rep could not tell me my balance nor minimum payment due as I have paid ahead on my account. 
I then requested a paper bill. 
I am unable to pay online because I do not have an account number and XXXX will not reinstate my online ability. 
I again put in writing and wrote XXXX and requested a paper bill 30 days ago but have not received a paper bill. 
I am unable to go to a store due to the location being over an hour away. The nearest store has closed that was 1 hour away as well. 
I am unable to get through by calling customer service because I do not have an account number. 
I am unable to pay my bill online because I am locked out and do not have my account number. 
I can mail my bill but do not get paid until the XXXX and do not trust the processing time to avoid a late fee based on XXXX XXXX policies and ability to contact customer service. 
How can one pay their bill? 
I want to pay online or have a direct phone number to pay my bill since I do not have an account with XXXX anymore. I find this process very difficult and not consumer friendly. But yet XXXX will immediately charge late fees at any opportunity. 
I do not want nor accept automatic payments on my accounts due to past experiences when an account is paid in full but experienced continued deductions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: AL
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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2022-02-17
Company: Siggi LLC
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:
This account was closed, charged off, and sold. Due to them selling the account they can not list a balance and can not be reported on my report due to NO LEGAL CONTRACT.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
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 closed a XXXX checking account I had open in 2014. I have had a XXXX XXXX Checking and savings account since I closed out the XXXX account. I closed the account because I had multiple problems with them and what I believe was fraud on their part. They would not deposit checks when they said they would. I was constantly having bounced check fees and could not figure out why. I have been told by XXXX XXXX that I have something on my account from 2014 from XXXX. When I closed my account in 2014 I worked with a manager to get all the fees removed from my account. I do not know why they reported XXXX dollars delinquent to XXXX XXXX. It is causing problems for me to open up an account with a credit union despite having no problems with my XXXX XXXX accounts. XXXX was well known to do things that were borderline illegal. I asked for a review and they did not change anything. What recourse to I have to get this off my report. I do not feel I owe this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have an income based repayment plan with Navient that I renewed in XX/XX/XXXX. I submitted my income information, but it seems to me like they did n't even read the information I gave them. They gave me a payment I could n't afford and basically told me that there was nothing I could do to lower my payment. They told me that my payment increased so much because the interest rate went up and that they had told me the interest rate would change in the original promissory note that I had signed when I received the loan ( back in XX/XX/XXXX ). What my major issue is now, since I 've written several complaints about this company before, is that they keep increasing my monthly payment by a few dollars every single month. I have written to them and asked why my payment keeps going up and they keep saying that it 's because of the varying interest rates and that I had agreed to this when I accepted the loan originally. Problem with that, is that I 've been repaying my loans since XX/XX/XXXX and it 's never been a problem until this year. My principal balance never goes down and they keep telling me that my payments are being allocated properly when I can see that they take half of my payment ( sometimes more ) and apply it to interest, so I 'm never making a dent in my student debt. I do n't make much money, despite trying to get a decent paying job since I left school in XX/XX/XXXX, but they keep raising my payments and give me different reasons as to why as well as telling me that this is what I signed up for when I applied for a loan with XXXX XXXX. <P/>Something needs to be done about this, because after I pay Navient, I barely have enough money to buy groceries for my family, and I certainly do n't have enough money to take care of myself. I do n't believe for a second that my principal balance is going down, because I check my loans almost daily, and I do n't see my principal balance going down AT ALL. I am sick and tired of paying thousands of dollars a year and somehow ending up further in debt every single year. I 'm tired of their excuses and their reasoning, basically telling me that I signed up for this. I am done with their excuses and I need something to be done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
This account was closed, charged off, and sold. Due to them selling the account they can not list a balance and can not be reported on my report due to NO LEGAL CONTRACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Freedom Mortgage Company
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX had my mortgage and sold it to Freedom Mortgage in XX/XX/2021. I was not aware of this. I continued to pay XXXX XXXX  on time each month. The 1st 2 months it was ok because by law stating the lender has 60 days to forward to the the newest lender if I would send it to the wrong one. I live in XXXX, WI XXXX. BUT I use an XXXX, WI address for receiving all mail. XXXX XXXX was aware of this but when it got sold to Freedom mortgage XXXX XXXX  did not let Freedom Mortgage know that the mailing address had a different city & zipcode compared to primary residence. Athelstan post office does NOT deliver mail. XXXX, WI does. The paperwork did not go to the XXXX, WI Address. Hence I missing 5 months worth of payments that reduced my credit score drastically by XXXX XXXX. I found this out when I received an alert from XXXX XXXX to check my credit and found out Freedom Mortgage now had my mortgage and showed i missed 5 payments. My bank XXXX XXXX was sending my checks back to me uncashed. I could not figure this out til it was too late. Damaged has already been done. My lender who refinanced my VA loan helped me straightened it all out as to catching up with my payments YTD and who to pay now, Freedom Mortgage. As you can see with the letters I have attached they all show XXXX address. I would not have received these. I did clear this up with Freedom Mortgage once i paid the YTD in full to show up to date mortgage payments. 
Biggest thing is how can we fix my credit and reimburse the late fees and costs.?

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 2017-12-29
Company: WELLS FARGO & COMPANY
State: GA
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:
I APPLIED WELLS FARGO XXXX XXXX XXXX ON XXXX. I GOT MY CREDIT CARD ON XXXX. I CALLED CUSTOMER SERVICE ON XXXX REGARDING THIS CREDIT CARD & I SPOKE TO XXXX XXXX ABOUT PROMOTION ON THIS ACCOUNT. THERE WAS A BONUS OF XXXX POINTS AFTER SPENDING {$1000.00} IN FIRST 3 MONTHS, WHEN I APPLY THIS CREDIT CARD. THERE IS NO BONUS ON MY NEW ACCOUNT ACCORDING TO CUSTOMER SERVICE DEPT. & REWARD DEPT. XXXX XXXX. I THINK THIS A FRAUD THAT I DO NOT HAVE ANY BONUS ON THIS CREDIT CARD. I DO NOT TRUST THIS BANK. THIS BANK HAD A BAD CUSTOMER SERVICE & THEY LOST A CASE IN FED. COURT IN PAST FOR {$20.00} BILLION DOLLARS.

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 2017-07-11
Company: Equitable Acceptance Corp
State: NC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On X/X/2017 I contacted XXXX XXXX of the XXXX XXXX XXXX XXXX This was the email I sent after shortly finding out that they were a fraud student loan company " Hi, My name is XXXX XXXX XXXX and you can reach at XXXX XXXX. I wish to cancel this loan agreement because is agreement is incorrect in regards to the information that was provided. I was mislead and I want to cancel. After reading the BBB reviews and complaints you guys are not the type of company I want to deal with please reverse everything! '' They then sold my contract to another company called XXXX XXXX XXXX in California in which I repeatedly asked them not do because I was going to stay with XXXX after finding out about their fraudulent company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Subject : Wells Fargo Home Mortgage, breach of agreement and ongoing obfuscating tactics. 

Please note, this is a new complaint on the handling of Wells Fargo Home Mortgage loan. 

Wells Fargo Home Mortgage entered into an agreement with myself to defer six mortgage payments as detailed by Wells Fargo Home Mortgage in three separate letters, ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX attached as Exhibit 1, 2,3 ). Only 4 of those 6 deferments occurred, this constitutes a breach of the agreement. Breaching an agreement is an error, not communicating that Wells wished to alter or amend the agreement is also an error. Taking 6 months to acknowledge that two payments were not deferred is also an error. 

Wells Fargo Home Mortgage is also in error in their response of XX/XX/XXXX, ( Exhibit 5 ) a letter that was sent separately and absent in the formal response of Wells Fargo to the CFPB, ( that states that Wells is unable to provide the CFPB policy that Wells used to justify not deferring the payments because the information requested is considered to be privileged, confidential and/or proprietary information of Wells Fargo . A Federal policy is a public document, and can not be privileged, confidential and/or proprietary. To state this is dishonest and obfuscating. Sadly, it is consistent with Wells Fargos tactic of obfuscation demonstrated in burying the consumer in paper, responding to questions and concerns with partial answers, making costumers stay on hold for hours when calling. 

In researching the sale of my mortgage from Wells Fargo Home Mortgage to XXXX XXXX  and servicing by XXXX XXXX, it was brought to my attention that Wells Fargo profited by having my loan not having the payments deferred, creating a false delinquency. Wells process of obfuscation and failure to return phone calls and emails to keep my loan delinquent to increase the price of its sale is fraud. 

Wells Fargos errors have resulted in my mortgage account being short {$5000.00} and past due to the current. I demand that Wells Fargo Home Mortgage pay me this sum of {$5000.00}.

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 2022-02-17
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
upon checking my Equifax credit report i notice i have a fraudulent account on report i reach out to Equifax and they have not fixed the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Conn's, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Approximately 4 months ago I settled a debt with Conn 's Appliances , Inc. through the collection company for which they referred my deliquent account to XXXX XXXX XXXX XXXX. The balance due was {$2000.00}. I contacted XXXX XXXX XXXX and stated to them that I was rebuilding my credit and I would like to settle the outstanding balance. We negotiated and agreed upon a favorable amount of {$980.00}. I received a letter from XXXX XXXX stating their client Conn 's Appliances , Inc.,  authorized to proceed with the settlement offer. I provided XXXX XXXX XXXX a posted dated draft from my checking account which authorized the payment draft for XXXX/XXXX/XXXX. I received a letter from XXXX XXXX XXXX dated XX/XX/2017 they received the payment and posted the payment to my Conn 's Appliance Account. I have reviewed my credit reports from all three bureaus and see where Conn 's Applicance is providing falsified inaccurate information on my credit reports stating I have a remaining owed balance of {$990.00} that is delinquent. I written all three credit bureaus with supporting documentation of agreement and cancelled draft/check that shows this is now a settled debt. All three bureaus are telling my that Conn 's Applicance is stating I owe this amount and the account is still open. This is not fair nor is this in compliance of the FTCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: AZ
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:
The accounts are still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : Late Open XXXX XXXX XXXX Balance : {$330.00} Date Opened : XX/XX/XXXX {$330.00} Late Close : XXXX XXXXXXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} Chargeoff : XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( XXXX XXXX XXXX  ) XXXX XXXXXXXX Balance : $ 0Date Opened : XX/XX/XXXX {$0.00} ( XXXX XXXX XXXX  ) Bankruptcy : XXXX XXXX XXXX Status : XXXX XXXX Date Filed/Reported : XX/XX/XXXX Collection : XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: LDF Holdings, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX Loan At Last-Acct. # XXXX XXXX XXXX XXXX Loan Amount XXXX XXXX Loan at Last  withdrew from my checking account-XXXX  XXXX XXXX, the following : XX/XX/2019- XXXX XX/XX/2019- XXXX XX/XX/2019- XXXX XX/XX/2019- XXXX Total : XXXX I contacted the fore-mentioned company to inform that my loan amount had been paid. I was informed that I had six remaining payments of XXXX. 

At that point, I informed them to discontinue withdraws. Another attempt to withdraw XXXX on XX/XX/2019 was made. 

I contacted XXXX XXXX and placed a stop payment on XX/XX/2019, and all future withdrawals from this company. 

My complaint is that I was not informed that I would be billed for more than the original loan amount including nominal interest. This is fraudulent if not illegal. I paid my loan in full plus interest. 

There is no resolution with this company. My fear, is that this company will continue to operate in this fraudulent manner and hurt many in the process. 

Please advise. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Nelnet, Inc.
State: CA
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:
First, on XX/XX/XXXX, I called Nelnet & spoke with XXXX ( customer service representative ) regarding a letter I received in the mail dated on XX/XX/XXXX for a student loan that XXXX claim to have never received a payment. In addition, according to XXXX their computer system shows that I 've never contacted them before, they have never received a payment from me, she does n't know anything about the university ( student financial services ) placing a hold on my student account for tuition fees of {$1000.00} on XX/XX/XXXX,  and their computer system shows that I received {$8000.00} ( subsidized ) & {$8000.00} ( unsubsidized ) student loans totaling {$16000.00}. 

Finally, I was only issued by the university three tuition refunds for two semesters ( XX/XX/XXXX & XX/XX/XXXX ) based on my enrollment status with refund dates & amounts along with last payment as follows : 1. XX/XX/XXXX = {$1200.00} 2. XX/XX/XXXX = {$2400.00} 3. XX/XX/XXXX = {$3700.00} The total from those three payments is {$7400.00} with the last payment from the hold placed by student financial services made on XX/XX/XXXX for {$110.00}. My total amount of payments made towards tuition as of XX/XX/XXXX is {$1000.00} with the remaining balance at {$6400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
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: Personal information incorrect

Complaint:
I have requested on several occasions to remove and or delete the incorrect & inaccurate information on my credit report which I am needing immediately removed. I am listing those items for your convenience below. 
XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX TX XXXX XXXX - XXXX XXXX  XXXX XXXX # XXXX XXXX TN XXXX XXXX - XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX TRANSUNION - XXXX XXXX XXXX TRANSUNION - XXXX XXXX XXXX AND XXXX TRANSUNION - XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX TRANSUNION - XXXX FOR XXXX TRANSUNION - XXXX XXXX XXXX TRANSUNION - XXXX XXXX XXXX XXXX XXXX TX XXXX TRANSUNION - XXXX XXXX XXXX XXXX FL XXXX TRANSUNION - XXXX FOR XXXX TRANSUNION - XXXX XXXX XXXX XXXX XXXX TX XXXX TRANSUNION - XXXX XXXX XXXX XXXX FL XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX - XXXX XXXX XXXX XXXX FL XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX - XXXX XXXX XXXX XXXX TX 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 non-monetary relief