BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: KS
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:
My credit score was XXXX on XX/XX/2023, now it is XXXX. I am disputing this decrease. Once again my credit score was decreased XXXX by experian on XX/XX/2023. XXXX XXXX increased my credit limit because I pay my balance to zero every month. So, XXXX XXXX rewards me by increasing my credit limit and experian decreases my credit score by XXXX. So, paying all my bills on time is a punishment? How does that make sense experian? This company is discriminatory. Like I mention every time I file a complaint about experian. Horrible and very annoying. I have to constantly monitor my experian account/credit score because of some bs idiotocracy from experian.

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 2019-07-12
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
RASH CURTIS & ASSOCIATES Account number XXXX  Recent balance {$1200.00} as of XXXX/XXXX/XXXX RASH CURTIS & ASSOCIATES Account number XXXX  Recent balance {$700.00} as of XXXX/XXXX/XXXX RASH CURTIS & ASSOCIATES Account number XXXX   Recent balance {$530.00} as of XXXX/XXXX/XXXX this collection company reported numerous collections on my credit report. I do not recognize these charges or the original creditors XXXX XXXX  county, dental office and parking authority ... what is this for ... My numerous attempts to request validation from rash Curtis went ignored, for 3 months now I have written them with no response, I called only for them to ask for my phone # and social and now they are calling me non stop and said they will be calling sheriffs office and garnishing wages .... I simply wish to know what these fees are for and if they are mine as I always pay my bills on time and have a good reason to believe that there may be a mistake on their behalf. please help me to resolve these issues damaging my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo called me on a Friday night back in XX/XX/XXXX of XX/XX/XXXX. They used terms like " failing to make my payments '', " hurt my credit score '', and " fees and penalties ''. This shocked me because we have our home mortgage payment set up with our credit union on auto bill pay, and we have never, ever received word from Wells Fargo or our credit union that we were short or owed any money on our mortgage. 

I spoke to a manager at Wells Fargo and he had a very difficult time explaining what the fees were comprised of, and even if and when we had actually missed any payments. 

He told me it would take him a few weeks to research this and he would get back to me. This kind of response from him really surprised me since they called me threatening action on something I was not aware of. 
This person 's name is XXXX XXXX and his email signature indicates the following. Executive Resolution Specialist, Customer Care and Recovery Group Wells Fargo Home Mortgage l XXXX XXXX XXXX l XXXX XXXX, IA XXXX Tel XXXX EXT XXXX Well, after a few weeks he did call me back and state it was very difficult to figure out what went wrong, but he had found that back in XX/XX/XXXX, they had taken our payment and fully applied that payment to principal only. He told me our escrow went up during this period and that we were {$62.00} short in our payment. We of course had no idea our escrow went up at that time. 
Since then, and after I had further discussions with XXXX at Wells Fargo, he stated this happened for three successive months, and again, we did not know this had happened because we had no idea our escrow had gone up. 
We never received a letter from Wells Fargo, an email, or even a phone call stating there was a discrepancy. Supposedly, this happened in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XX/XX/XXXX. 

Well now as of XX/XX/XXXX, Wells Fargo has sent me a letter stating that I owe them {$3400.00}. They keep using phrasing like I missed payments, and paying late, but my on-line bill pay history reveals we have never missed a payment. The only discrepancy were those three months in XX/XX/XXXX, where we unknowingly were short the {$62.00} difference in escrow. I have told Wells Fargo that I am willing to pay that difference. That would equal {$180.00}, but they don't seem willing to accept this. 

I have told XXXX and Wells Fargo repeatedly we had no idea this was transpiring and I asked them, " why did they not alert us about this issue? '' " Why did they not call, email, or send us a letter? '' Their response to this question was, " well, we did not have your phone number ''. 

I find this kind of action extremely predatory, illegal, and immoral. I need some help and guidance fighting this battle with Wells Fargo. I am hoping the CFPB can assist. 
Thanks, 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 2022-10-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2018-02-01
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/XXXX I submitted a complaint here bc I had been working to have Equifax, XXXX and XXXX  correct a few errors on my credit report for over a year. None of the bureaus sent the requested proof from the investigation that they claimed to have done. The accounts was removed from my account on XX/XX/XXXX. However, this same account ( XXXX XXXX XXXX ) has reappeared on my credit report as of XX/XX/XXXX. XXXX  has this account reported twice on my credit : one in the amount of {$210.00} and another one that shows {$130.00}. XXXX and Equifax have this account in the amount of {$130.00} as a collections account. 

As stated in my initial complaint on XX/XX/XXXX, I do NOT owe any collections to XXXX XXXX XXXX. I am still an XXXX XXXX XXXX customer and have been for over 11 years. 

I have contacted all three bureaus asking for the same proof of these collections accounts and I've yet to receive it. These bureaus are allowing bogus collection companies to put erroneous information back onto my credit profile AFTER it's been established that it is not a valid debt that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: TD BANK US HOLDING COMPANY
State: CA
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 do not recognize any of the companies the inquired my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT OFF EXPERIAN, 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 2019-10-25
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XX/XX/XXXX Radius Global Solutions XXXX XXXX XXXX XXXX, MN XXXX I got a call today from XXXX with your company. She broke federal and state laws in her attempt to collect a debt that I dispute but that you argue is valid. How can you decide it is valid when your company has not even heard my objections to the debt? This is an unfair practice and I am forced to report your company to the proper authorities. XXXX also tried to verify my identity BEFORE she mentioned what company she worked with, which is another violation of federal and state laws. 
I attended XXXX University Online with the help of federal student aid monies. I withdrew in XXXX of XXXX and my last day of class was XX/XX/XXXX. XXXX provided me with a letter dated XX/XX/XXXX, which concerned my federal student loans and repayment options. Nowhere in the letter dated XX/XX/XXXX is mentioned a spurious {$800.00} that you are fraudulently trying to collect from me. The school, XXXX, also sent me a letter dated XX/XX/XXXX regarding my student loans. This letter also does not mention any {$800.00} owed to the school. 
While I was attending, there was intense pressure from the school to get me to sign a private loan agreement, which I steadfastly refused to do because the repayment terms were not affordable for me and my situation. I never signed anything stating I would owe the school {$800.00}. 
The school knew very well I was dependent on financial aid to attend, and they in fact returned a student loan to the feds when I withdrew. If this {$800.00} was truly a valid debt, then surely they could have retained that amount for themselves when they refunded my loan. Instead, they refunded a certain amount and they are now trying to fraudulently collect {$800.00} from me, which I never ever agreed to pay. Your company is under contract with them, and your company is also engaged in deceptive and unfair debt collection practices. I will alert the appropriate federal and state agencies about this matter, I assure you. 
I look forward to your response. 
Sincerely, my name cc : atty cc : consumerfinance.gov cc : State of Texas Attorney Generals Office

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Southwest Business Corporation
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Delays in the application process

Complaint:
I first requested the assumption package on this loan back in XXXX, XXXX. I did not receive the actual package until sometime in XXXX. The initial package was returned to them on XX/XX/XXXX. There have been continuous delays by the lender and they have simply used the excuse that because of the lower rates on the assumption they are very busy. When this process started the loan was in both mine and my husband 's name. He passed away on XX/XX/XXXX and I informed them right away. I sent them copies of my husband 's death certificate and requested to proceed in my name only. On XX/XX/XXXX they informed me that they required a whole new application package. We are coming up XXXX months and still do not have a final approval on the loan. I have sent them everything they have requested ( sometimes more than once ) and have paid for XXXX credit reports. Now they are telling me that the loan requires a XXXX  company to approve it. This is an XXXX  loan that does have XXXX  but does not require secondary approval by a XXXX  company. This is beyond frustrating at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: JPMORGAN CHASE & CO.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a mobile deposit of {$3500.00} into my Chase bank account on XX/XX/19. I received a message informing me that a 7 business day hold would be placed on the item due to information indicating the item may not be paid. 

I know that this is a violation of Reg CC. In order to place an exception hold on an item, the bank must have specific reason to doubt collectability. They did not contact my bank to verify funds. If they had, they would have been informed that the funds were available. I have no negative history with Chase ( returned deposits, NSF 's, etc. ) The check was made payable only to me and I endorsed the check properly. 

There was no legitimate reason to doubt collectability on this item. The hold was placed on my deposit arbitrarily, which is a violation of Reg CC. 

I contacted Chase yesterday to request the hold be removed. The customer service representative that I spoke to told me the hold could not be removed until the item posted, so I would have to call back the next day. But she told me she would put a note on the account that the funds should be released based on " my file ''. I called back the next day and got a different CSR. This individual acknowledged the note on the account stating the funds could be released, however she refused to do so. She said she needed to see if the funds had cleared first. She put me on hold, came back and said they had not cleared. She then said she would contact my bank to verify collectability ( proving that this had not been done prior to the hold being placed ). The bank verified the funds. Finally, she agreed to release the hold. 

The funds are now available to me. However, the fact that this hold was placed on my deposit basically automatically with no due diligence on the financial institution 's part, I believe this is a systemic issue and that other customer 's are being taken advantage of without realizing the bank is violating regulation. I believe this institution needs to be investigated for habitual violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: AES/PHEAA
State: MA
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:
I had a XXXX grant which I converted to loans last year. At that time, I was told by a representative at XXXX XXXX that these new loans would be rolled into municipal existing loans and added to my monthly payments. I just noticed yesterday ( XX/XX/2018 ) they were delinquent ( 11 missed payments ) with no emails or notifications from XXXX about any of the missed payments. Again, I was told they would be added to my current loans, so I thought they were being taken out all along. I want this taken off of my credit report as this was not my fault. I paid off the outstanding balance yesterday ( {$1100.00} on XX/XX/2018 ). I have paid every single other loan on time. I am a great customer who clearly trusted the word of someone at a XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25
Company: DISCOVER BANK
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:
On XX/XX/XXXX after completing the interview process with XXXX XXXX, I was notified that they would be conducting a background check. XXXX XXXX called to inquire about two accounts i was not aware of that were charge offs. I contacted XXXX where they assisted me in contacting XXXX XXXX and Discover card to report the fraudulent accounts. The following day i also filed a police report. XX/XX/XXXX I filed a report with the FTC, and I was also able to send a copy of the FTC report and a copy of my statement to both Discover card and XXXX XXXX. Discover card and XXXX both conducted their own investigation and concluded that the accounts were indeed fraudulent by XX/XX/XXXX, XXXX was able to have the reporting agencies remove the account from my credit file, however the Discover card still appears on my credit reports. I want the discover card account to be removed from my credit file as it is fraudulent. I also want all incorrect information to be removed. 
Discover card account:XXXX Total fraudulent amount : {$970.00} Incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-08
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am  XXXX   XXXX   XXXX  with  XXXX   XXXX . After a year or more performing loss mitigation, I got approved for a loan modification, I have been paying mortgage payments diligently and recently I received a check send back for  XXXX  Mortgage saying that the total amou.nt required to bring this account current is {$30000.00}. I dont agree with them that the  Modificaiton i s not compIeted because they already received Modification Agreement with  Notarized Signatures and Modificaiton Deed of Trust signature. Nationstar is u nfair and NON- compliant.. As requested on letter dated  XXXX   XXXX ,   XXXX   for  XXXX  Mortgage payment, I made the payment in the amount of {$1400.00} to Nationstar, in their request due to additional fund is needed. Why is it being send back when I am doing what they have asked? Not only that they are asking for {$30000.00} to bring the account current.  XXXX  is lying and tricky. At this point I am on   XXXX   XXXX   and  XXXX , where in the world do I get {$30000.00} to pay them? They already sent out apology letter and will honor the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Over a month ago I attempted to obtain my free annual credit report from Equifax online at " XXXX '' as I've done several years in the past. I've never encountered any problems before with Equifax, XXXX or XXXX XXXX. However, this time Equifax refused to provide my online report. I was then instructed to answer another battery of questions over the phone, which I did. I was told my report would be mailed to me. It hasn't, and it's been over a month. 
I attempted to contact Equifax by phone using the only two numbers listed on my previous 2016 Equifax report. Both numbers resulted in a recording requesting that I press # 1 for this and # 2 for that. Nothing that I could do would connect me with a human being. 
Why is it that Equifax freely provides hackers all of my personal financial information yet prevents me from procuring that same record? I would like a copy of my free annual credit report from Equifax. Can you please assist me? 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: SYNCHRONY FINANCIAL
State: GA
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:
XXXX lists a charged off credit card account with SYNC/B Lowes reporting late every month, in accordance with the Fair Credit Reporting Act XXXX XXXXXXXX accounts XXXX, XXXX and XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A, section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason I requested method of verification from XXXX XX/XX/22 and they have failed to comply with the 15 day limitation.

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