BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased a home in XXXX right before the Housing bubble. Like many other home buyers, I experienced an unprecedented amount of burden on paying the mortgage after losing a major part of my income during the downturn. I called Wells Fargo around the middle of XXXX to see if there was anything they can do to help me with this unforeseen event. They proceeded to tell me that there was nothing that they can do and that I should consider short-selling the home. I was against that idea because if I did, I would've been living on the streets. I progressed to argue with them over and over for a number of years and finally, they just threatened to foreclose on the property because I was not making all my payments. I sent in payments when I had some money available. Finally, I was able to get some relief with a program here in Florida. They were able to get Wells Fargo to modify my loan. The loan was modified in XXXX. Now... this of course was many years after I first inquired for help. Throughout that time there were an enormous amount of fees that were built up ( some that I paid and some that I'm still paying ). When the loan was modified, they added all the fees to the back of the loan and extended the loan to a 40 yr loan (?? ). I was already down to 22-23 years on the original loan. It's been 15 years since I bought my home and I still owe more than 85 % of the cost of this property. Meanwhile, Wells Fargo is taking full advantage of the situation by collecting their interest. I'm hoping that with this new settlement that Wells Fargo has agreed to pay, ( which they have not notified or tried calling me about anything ), I can get some type of relief and/or compensation for all the issues I've had with them and the number of fees that were paid. Thanks. I appreciate your help with 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 explanation
Consumer complaint received 2020-01-13
Company: National Recovery Solutions, LLC
State: TN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
My employers received a call from this company asking for me earlier today on their personal cell phones. Not sure how they received this information & found their personal numbers, but this is not okay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing this complaint in response to the delinquency reported to the credit bureaus on XX/XX/20. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692g Sec. 809 ( b ) ) I am requesting removal of this debt IMMEDIATELY. 

Please note, I spoke w/ a representative at your office on XX/XX/20 and a payment was made in the amount of {$200.00} therefore I do not owe anything. Please remove is ASAP as I will seek legal council due to this debt being incorrectly on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: NC
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 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 2023-01-16
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted WF when the pandemic hit and was unable to make payment. At no time did they help and no one new how.

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 2022-01-27
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 i sent a letter regarding inaccurate and unknown things on my credit report. To this day almost 60 days later i have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. They have yet to send any proof of these items to me. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these accounts be deleted immediately or i will fill for litigation due to the stress you caused. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, my wife and I wired a pre-payment penalty and paid off a HELOC loan on our primary residence. We grudgingly paid TIAA the prepayment penalty of {$1600.00}, plus a recording fee of {$180.00}, in order to get the HELOC off our title so that we could refinance the primary home loan. Shortly thereafter, we received a letter confirming receipt of the prepayment penalty and recording fee and also confirming that the HELOC has been closed. We thought this was the end of the ordeal, but 396 days later, the HELOC remains on our title, because TIAA has failed to record a reconveyance deed. 

We are trying to refinance our primary loan, but that effort is being held up ( and jeopardized ) because the title company is ( rightly ) demanding that TIAA record a reconveyance so that our title is clear of the HELOC. Over the last several months, I have spent well over four hours collectively over several phone calls to their help line ( XXXX ) and have spoken with no fewer than 15 people over those phone calls. I have also sent emails through their on-line access site. No one is able or willing to help me. Despite numerous attempts to contact TIAA by me, my wife, my lender, and my title agent, NO ONE can tell me why TIAA has yet to remove this loan from our title report. Over the course of these last several months, I have been told the process would take 15 business days, not once, not twice, but three times. When I call the TIAA number, they tell me I need to call the Loan Care number ( XXXX ), which they claim is a separate entity responsible for resolving this issue. But when I call the Loan Care number, they tell me I need to call the TIAA help number again. 

When I ask to talk to a supervisor at either number, I get put on hold for long periods of time, followed either by the same person informing me that his/her boss can't help me either, or that it will take another 15 days to resolve. 

This has taken place over the course of several months, and NO ONE has given me any indication that they know or care about what to do to help us. I have never in my life experienced this level of, not only incompetence, but sheer indifference. It is now costing me money, because I can not refinance my home loan without getting this loan off my title report. We have done everything we can at this point. No one from TIAA is getting back to us. Please let us know what more we can do to get the reconveyance recorded so that we can get on with our lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Experian Information Solutions Inc.
State: IL
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 have contacted Experian in the past and explained that these accounts do not belong to me. I have completed a police report as well as I have attached FTC identity theft report number XXXX. The following accounts XXXX XXXX account XXXX, XXXX XXXX XXXX/XXXX acct XXXX   {$5000.00}, XXXX XXXX XXXX/XXXX acct XXXX {$3100.00}, XXXX XXXX XXXX/XXXX {$4300.00}, XXXX XXXX XXXX/XXXX {$6700.00}, XXXX XXXX XXXX/XXXX acct XXXX {$3700.00}. I have never lived at these address XXXX XXXX XXXX XXXX XXXX, IL & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. There are also two inquries that are being listed that I have not given permission to access my credit report & I did not do this for XXXX/XXXX XXXX XXXX XX/XX/XXXX & XXXX/XXXX XXXX XXXX   XX/XX/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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2018-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I had my account Debited {$4600.00} from XXXX after losing wallet. The PIN number was in the wallet due to being a brand new card issued to a new account holder. I had received a call from XXXX stating they had found the wallet. Picked it up and thought everything was ok. Fast Forward 3 weeks. I had looked back into statements as I do from month to month. I then seen the purchase and called as soon as I had seen into capital ones fraud department to file a claim. I explained how this had not been seen until now and that the card was still being used since XXXX contacted about a found wallet. I had no clue. My I initial thought of a lump sum was perfect my wife transferred the money to our savings. The department spoke with my wife in an attack mode of claiming she was lying. Stating her story didnt add up because she didnt state XXXX called her. Claim was then DENIED. {$4600.00} poof gone. I was told if I contact police get report and contact XXXX and also add report that they can relook and issue. That day, I had done both. Everything I can and was told by the police and XXXX that they have whatever bank needs to prove the situation. I was told that they cant do more then make sure it was not an employee which it wasnt and that my bank has to claim under there insurance. I then called my bank capital one back to find out they dont care about any physical nor visual proof I have nor any reporting I had made. They had said that there conversation with my wife is proof to fully deny and not reopen. I have physical and visual proof as well as reports with all partys. Capital ones response ... ... who cares your denied!!! Dont call back because we wont listen. So now {$4600.00} gone from my acct and too bad for me I have to deal with fraud and theft with proof. I want my money back ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting 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:
Unauthorized hard inquiries.

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 2023-08-10
Company: Genesis FS Card Services, Inc.
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:
The debt collectors who put unauthorized inquiries on my credit reports. The creditor of these inquiries did used misconduct and fraud while invading my privacy because I did not give them permission to pull my credit, nor did I give them permission to allow others to pull my credit at the same time. I did not give them written nor any permission AT ALL. The FCRA states it is against the law to report anything on my credit report that I did not authorize or want to be or should be not there!! I reached out through dispute XX/XX/XXXX on 4 inquiries with XXXX that were not authorized, nor had my signature or anything to pull my credit and the investigation came back in one day from XXXX stating that this remains the same. How dare they come back in a day without any investigation with no change or deletion. Their bad tactics and incompetence behavior to help the customer is appalling. This was not authorized none of the inquires I disputed on all credit reports. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 


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 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 XXXX XXXXXXXX.

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 2023-04-16
Company: Bread Financial 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:
As of XX/XX/2022, I checked my credit profile and noticed a credit card account for Lane Bryant Commenity Bank. I immediately contacted XXXX XXXX and XXXX and the credit card company to notify them that this account was a fraudulent account that did not belong to me because I have never had any past business dealings or account with this company before. At this time the credit card company and XXXX XXXX, and XXXX are refusing to remove this fraudulent account from my credit file. They have also refused to provide me with any type of documentation proving that this account belongs to me. This situation has caused me a lot of stress because I should not be penalized or punished due to the fact that I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21
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: Their investigation did not fix an error on your report

Complaint:
I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the XXXXederal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-08-27
Company: Open Dealer Exchange, LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I've sent 3 letters, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, requesting proof of application, bearing my signature, since I have been a victim of several data breaches. Each company has yet to provide the requested documentation required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: MOHELA
State: CO
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:
-Submitted for XXXX XX/XX/XXXX with XXXX XXXX was moved to MOHELA XX/XX/XXXX -MOHELA still has not processed for the years XXXX  -Had a full application with signatures and dates, but required an updated employment verification for current job, sent on XX/XX/XXXX -Notified today XX/XX/XXXX that signatures were missing on forms. No signatures were missing.-Contacted them XX/XX/XXXX they said the entire application needed to be resubmitted and showed they had no other forms from me. 
-Notification while on hold with MOHELA says they will only process applications submitted by to XX/XX/XXXX. It appears resubmitting will be outside the window and cause the application to be denied. 

-Contacted MOHELA numerous times to get clarification, told multiple times it would be another 90 days. It has been 1 year and 2 months trying to get them to count the payments. My wife submitted her application at the same date and time and her application was processed by XXXX  and forgiven in XXXX of XXXX. 
-MOHELA was contacted on XXXX XXXX XXXX XXXX XXXX and multiple times on XX/XX/XXXX -How do I get them to count my payments on my original application before the window closes on the XXXX? This process has so far taken over 14 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I bank with Bank of America XX/XX/XXXX I noticed a transaction from a company I did not recognize for {$120.00}, I called the bank and advised them of this transaction and they were able to look back and see that the company has been taking money out of my account since XXXX. All the transactions are totaling up to {$6000.00}. 
The bank stated that they can only investigate the transactions that go back no further than a year. Those transactions equal up to {$1000.00}. 
I asked that when they investigate the transactions that fall within a years time will they be able to go back further to refund me the remaining of the unauthorized transactions but they stated they can only do a years time. 
This is discouraging due to the fact that they have taken so much of my money illegally I feel that may bank should refund me everything that was taken and not allow the previous fraudulent behavior to stand.

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 2023-04-17
Company: Bread Financial Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company on my credit report named XXXX XXXX is not mine. Per XXXX the original creditor is Comenity Capital Bank. Then it also shows XXXX XXXX XXXX XXXX year date. 

From its name, I am assuming it's an apartment complex. I'm in my 60 's and have owned and lived in a house since 1994. I have never used Comenity Capital Bank. 

XXXX XXXX has been calling my personal and work number the past 3 months on a weekly, daily, and sometimes multiple times per day. They would call from as early as XXXX and as late as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
State: TN
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:
Experian is updating the information on my credit report instead of fully investigating the accounts that are reporting false on my credit report

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