BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-01
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX WELLS FARGO HOME MORTGAGE= ( WFHM )/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX )/ XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau= CFPB Consumer=XXXX XXXX XXXX XXXX Here is the issue as a consumer we have done the complete administration process of the 1946 Act. 
1. Wells Fargo defaulted on the contract and could not produce the required information for the consumer AW. After which the Mortgage Note with WFHM was rescinded.

2. WFHM failed to respond via certified mail. WFHM didnt do what was lawfully required once rescinding had been received. After which, the Administrative Process was done and completed with the XXXX. Around XX/XX/XXXX XXXX. ( Fast forward to Allege Summons issued 9 months later by 3rd party debt collectors and not properly signed or endorsed by a judge this was XX/XX/XXXX ) 4. XXXX along with the XXXX XXXX and XXXX XXXX firm all debt collects that never produce the wet ink signature that was requested or the oath of office, as they are not Privity to Contract anyway. 
5. I realized that even after I challenged Jurisdiction by me continuing to interact gave them precedence to continue their agenda. Many attempts to get the alleged judge to rule in my favor for a summary judgment have been denied serval times. 
I objected on the record to their Twelve Presumption of Court canon law 3228. 
I am filing this complaint because the Center Supreme Court of the State of Illinois is a Private for Profit Corporation with a XXXX and XXXX XXXX number # XXXX  I want the Consumer Financial Protection Bureau to record the violation that are listed in this complaint ( BELOW ) and hold the officials of these entities responsible to the consumer that they have done unthinkable damage to our mental and financial stability. A list of the horrific violation done by THE ENTITIES ACTUAL OFFICIAL THAT make the decision : let the record show we have 4 cases and 3 cases have been CREATED BY THE ACCUSED IN SEEKING SETTLEMENT AND RECOUPMENT AND CLOSURE.

Exhibit = 1a Notice of default Certified Judgment of Un-rebutted Affidavit with witness Here are a few of the violations that have been commented on by Officials : Title 18 : USCS~1001 & 1002 false statements Title 18 USC 241 Conspiracy, Under Color of Law Title 18 USC 242Deprivation of rights under color of law Title 42 USC 1985 ( 2 ) Obstruction of the Justice Title 15 USC 1611 Criminal liability for willful and knowing violation Title 12 USC 1831 General Accepted Accounting Principles Sincerely, 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 2018-07-26
Company: Experian Information Solutions 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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. 
XXXX  : XXXX XXXX /XXXX XXXX XXXX XXXX. Experian : XXXX XXXX  : XXXX .XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Experian : 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 non-monetary relief
Consumer complaint received 2022-12-11
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: Account status incorrect

Complaint:
My loan was sold to XXXX XXXX XXXX  at approx. the end of XXXX. My loan stated I did not make the first payment on XX/XX/XXXX which I did to the previous loan holder XXXX XXXX. Numerous attempts to correct the payment discrepancy went unfix by XXXX XXXX. Only until threating a lawsuit did loan care state they would investigate. My credit was hurt by false reporting of XXXX delinquent payment when I provided proof of payment through my bank statement and XXXX XXXX documents. I have not been able to apply for any loan due to my credit score dropping 100+ points along with my mothers credit score. I was still in the 60 day reprieve window for a loan being sold and protected under RESPA. Loan care violated federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was granted a loan modification but could not afford the new, modified payment, I have entered into the short sale program with Shellpoint and submitted a fully executed offer today, the XX/XX/XXXX. My sale date is in three days and I am imploring you to postpone it so that I may liquidate my home and move on. Shellpoint will retain much more money this way and it will spare me the tragedy of being foreclosed upon. My agent will get you anything you need and is the one who has saved me from being foreclosed upon, to date. I am fully on board to sell and just need a bit more time to allow you to process the short sale file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We have not yet missed a mortgage loan payment, but are concerned we may due to this aggregious error made by Loan Depot 's loan servicing department. 

The following is a letter sent to Loan Depot, with my personal information redacted. 
We obtained a home purchase loan from Loan Depot on XX/XX/XXXX, loan number XXXX. This loan has subsequently been sold to XXXX. 

I am reaching out to discuss a significant error made by Loan Depot when calculating the escrow portion of my home loan payment. Upon receipt of the supplemental tax bill in XXXX of XXXX, I forwarded it to Loan Depot for processing ( via email attachment. ) After Loan Depot processed this payment, I was notified that my home loan payment would GO DOWN from {$2200.00} to {$2000.00} following an escrow analysis. I immediately questioned the accuracy of this calculation in writing, and was reassured ( in writing ) the calculations made by the professionals at Loan Depot were accurate ( see email chain below. ) As I am not a mortgage loan processing professional, it was reasonable for me to assume their calculations were correct. In fact, my monthly loan payment should have increased slightly. When performing the escrow analysis, Loan Depot used the pre-purchase home value ( {$160000.00} ), rather than the current value of the home ( {$410000.00} ). This should have been especially apparent, as the document that started the entire conversation was a supplemental tax bill due to the increase in home value. 

My loan has since been sold to/or the servicing has been transferred to XXXX. Upon receipt of my loan file, XXXX noted a deficit in my escrow account of {$3700.00}. I was completely unaware of this deficit due to the errors made by Loan Depot. As a consequence, my home loan payment will increase {$550.00} for the next year to make up for that error. Loan Depots error has caused my family significant consumer financial harm. It is a severe financial setback to my family to pay the increased loan payment that begins on XX/XX/XXXX. In fact, this error may cause us to lose our home. 

Due to the number of errors made by Loan Depot, even after their accuracy was questioned, I demand that Loan Depot pay the shortfall of {$3700.00} in my home loan escrow account. 

Since this has happened to me, I am very afraid such errors may be happening to other home purchase loan borrowers whose home loans are being made and serviced by Loan Depot.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
OK I tried using my credit card to purchase gas for my XXXX XXXXXXXX XXXX XXXX engine. It was unsuccessful I went into the XXXX and in cash gave them XXXX or {$40.00} so that I could put gas into my car after my credit card had been rejected. I then left and everything was OK until the next day when I saw that two charges for {$500.00} each had been charged to my card. I am mediately called my bank informed them of what had taken place they said that it was a case of fraud replaced the XXXX dollars into my account as they should Im here, and I thought all was said and done. A few weeks later they removed the XXXX dollars that they had put back in saying they denied my claim. Somehow there is a significant difference between dispute and fraud, When it comes to Bank of America. This has been bounced back-and-forth between dispute and fraud each time I spoke with someone they admitted that it had to be fraud and they were going to correct it. They have denied my claim for five maybe six times and I have had it re-opened each time. A police report was requested which I then got and informed my bank of who the officer was where the precinct was phone number badge number. The officers that took the report said this had to be fraud I then informed my bank of the police report figuring that this would settle it. They denied me again so there wasnt enough evidence. I do not know what I can do further as I have reached out to my bank and they suggested finally that I get in touch with your agency acknowledging how badly they have messed up.All I want is my XXXX dollars back and no longer be made to feel like my bank thinks Im a liar and a thief.

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 2023-01-06
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: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
RE ; CASE NO. XXXX ( XXXX XXXX deals } ( {$1600.00} ) I am writing to inform CFPB that Capital one bank has added back the disputed fraudulent double charge of {$1600.00} by XXXX XXXX XXXX, which was initially removed, back to my credit card. ( documents enclosed. ). Also, Capital one bank has refused to credit my account for the amount of {$910.00} that I have already paid to my credit card to bring my credit card balance to {$730.00} ; instead of the current balance of {$2900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient has refused to discuss my options as my rate reduction program is coming to an end. I am unable to pay the amount they are requesting starting XX/XX/2018 and they are refusing to discuss or make available any repayment options. The amount they are demanding is so drastic to my already thin budget that it will negatively affect my life and ability to meet my other financial obligations. 

Please reach out to Navient on my behalf and express that their practices are unethical, unfair, and their treatment of their debtors is inhumane, inconsiderate, and unkind.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Based on your Pre-Approval form information, we observed activity on a prior Capital One account that is not consistent with our expectations for account usage or the terms of the account agreement I just received this notice while searching for a prequalification online. I was advised this was rectified and removed months ago. I had 2 credit cards that had auto pay set up and when I lost wallet inclusive of cards the corresponding bank account was also closed with a new one reissued as a precaution.

This was conveyed several times and I even reported cards lost. Initially it was advised these cards were being reopened by about 7 different reps only one stated the contrary and she was apparently on to something as they have not been to date. 

I never miss my payments I have been a model customer and this is completely demoralizing. This hold should absolutely not be on my account as I did nothing to warrant it I continue to pay like clockwork prior to and every month thereafter o have not had any issues of any kind. 

Remove this hold and ensure there are no issues moving forward please. 





The information contained in this e-mail message is privileged and/or confidential and is intended only for the use of the individual or entity named above. If the reader of this message is not the intended recipient, or the employee or agent responsible to deliver it to the intended recipient, you are hereby notified that any dissemination, distribution or copying of this communication is strictly prohibited. If you have received this communications in error, please immediately notify us and destroy the original message. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In mid-XX/XX/XXXX, I received a collection notice from Diversified about a debt owed to XXXX. I was unaware the debt existed, but paid it nonetheless. I was just thankful that the Fair Debt Collection Practices Act allows individuals 30 days to address a collection account before it shows up on one 's credit report. 

Unfortunately, this account showed up on my credit report anyway ; even though I paid inside of the 30 days allotted. To make matters worse, I am in the process of purchasing a home, and the appearance of this {$110.00} bill dropped my credit scores 35 points and is now preventing me from completing my mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated and corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed items will be updated immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Chevron card. Apparently the bank did a data migration and they 1 ) Changed my billing address and 2 ) Cancelled my automatic payments ( that have been set up since 1995 ). They claim to have sent out an email, although I have no record of this.

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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
THIS A REPORT REGARDING THE IMPROPER USE OF ME AND MY MOTHERS CREDIT FILES AND REPORTS AND PERSONAL DOCUMENTS SUCH AS SOCIAL SECURITY CARDS AND DRIVER LICENSES ISSUED IN ARIZONA. TOGETHER WITH STATE MOTOR VEHICLE AGENCIES PARTNERED IN A CRIMINAL ENTERPRISE TO STEAL IDENTITIES AND TRAFFIC STOLEN CARS TO XXXX. XXXX XXXX WAS THE FINANCE MANAGER WHO HANDLED ALL 4 CAR SALES FOR ME AND MY MOTHER BUT HIS TEAM ALSO USED OUR CREDIT WITHOUT PERMISSIBLE USE. MY CREDIT PERSONALLY WAS RAN AT XXXX XXXX XXXX ON ONE DAY AND THEN 3 DAYS LATER A DIFFERENT XXXX XXXX XXXX RAN MY CREDIT. XXXX AND XXXX. THEN PROCEEDED TO RUN OUR CREDIT AT BANKS WHERE THESE GUYS KNEW OF HOLDINGS THAT WERE UNKNOWN TO US OR WHERE ME AND MY MOTHER ARE TRUSTEES ON A TRUST WE DONT KNOW OF. THE AMOUNT AND FREQUENCY COUPLED WITH US BEING IN ACCIDENTS AND HAVING NOT HEARD BACK FROM THE LAW FIRM THAT REPRESENTED ME AND A FRAUDULENT ARBITRATION SETTLEMENT IN XXXX. THIS HAS IN TURN CAUSED PHONE TAKEOVERS ACCOUNT TAKEOVERS AND FAKE CARDS SENT IN THE MAIL WHILE REAL CARDS ARE DIVERTED AND WEB BANKS OPENED TO THEN DIVERT MORE FUNDS. XXXX XXXX XXXX IN XXXX AND XXXX IN WASHINGTON WE HAVE RECEIVED DEBTS FOR AND DO NOT KNOW THESE BUSINESSES HOWEVER THEY WERE UNCLAIMED PROPERTY THAT WAS CLAIMED THROUGH FALSE CLAIMS OR CLONED LLCS EITHER WAY THIS DEALERSHIP HAS USED MY CREDIT IN WAYS THAT HAVE CAUSED IRREPARABLE HARM AND I ALSO SHOW 3 CARS WHEN TRYING TO GET INSURANCE THROUGH XXXX YET I ONLY OWN 1 CAR AND MY NAME IS ON MY MOMS CAR AS WELL SO 2 XXXX  AND THIS 3RD CAR IS A XXXX I BELIEVE FRAUDULENTLY PURCHASED AND MY CREDIT SHOWS XXXX XXXX XXXX XXXX XXXX XXXX AND A FEW OTHERS THAT ALL STEM FROM MASSIVE CAR LOAN FRAUD FROM THIS DEALERSHIP AND IDENTITY THEFT THAT OCCURED HERE. I DEALT WITH SALESMAN XXXX XXXX, CSR XXXX, XXXX XXXX, XXXX AND XXXX IN SERVICE AND XXXX AUTO RAN MY CREDIT AS WELL AS XXXX XXXX XXXX IN XXXX TX AND MANY MORE ITS A MESS, I WAS DENIED LOANS FROM THESE BANKS AND FORCED TO FIND A LOAN ELSEWHERE BECAUSE THESE BANKS HAD LOANS ON THE BOOKS WITH MY INFORMATION AND MY MOTHERS INFORMATION AS WELL. AFTER CONTACTING 3 CREDIT AGENCIES I FIND OUT THAT I HAD SEVERE MIXED CREDIT FILES AND HAS CAUSED MASSIVE FRAUD IN OUR MUNICIPALITIES AS MOST OF MY INVESTMENTS THAT WERE MUNICIPAL BONDS AND XXXX XXXX HAS SINCE LOCKED ME OUT OF MY ACCOUNTS AND TRANSFERRED ALL THE ASSETS TO A KNOWN IDENTITY THIEF AS EVIDENCED ON MY MVD RECORDS THE LOAN ON THE 2 CARS WE HAVE ARE THROUGH XXXX XXXX AND BELIEVE THESE FRAUDULENT ACCOUNTS ARE ON THE COMMERCIAL SIDE AND COULD BE IN THE NAME OF A FRAUD BUSINESS PARTNER FOR 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 non-monetary relief
Consumer complaint received 2018-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Dear Sir or Madam : This letter is to dispute a billing error on my Capital One Credit Card. The amount is inaccurate because I have paid the balance in XX/XX/XXXX but it hasn't been updated since XX/XX/2018. 

I have enclosed copies of to support my claim. Please correct this billing error as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
XX/XX/XXXX {$5000.00} I applied for the first loan in XX/XX/XXXX. I was denied because of a non-traditonal banking account. I have applied several times online since then and I have contacted them. 
Their online system will not allow for me to place an new application. It shows the old application - DENIED. It has been almost seven months and I am not allowed to apply for a new loan. 
They are not trying to correct it. I thought a person could apply for a loan at any time. It WILL NOT ALLOW ME TO PLACE AN APPLICATION ONLINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: AES/PHEAA
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:
My account was in forbeatance but my credit report for that time period shows late payments I tried co texting the loan provider to get it fixed and they said they dont correct information with credit reporting agency. I tre IED credit reporting agencies and they didnt change it either

Company response to consumer: Closed with explanation