BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-14
Company: AMERISAVE MORTGAGE CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I contacted Amerisave Mortgage and spoke to XXXX XXXX, one of their loan officers. I told XXXX that I was turned down for a mortgage loan last summer. I told him I found another property and that I am looking into finance. I specifically told him that I need him to prequalify me before incurring any expenses. He asked me a good number of questions about my income, assets and liabilities. I answered him truthfully. He assured me then that he sees no problem in me getting the loan. He said he will email me a pro-approval letter to give to Seller, and proceeded to ask me for my credit card in order to obtain an appraisal. I am not sure as whether he asked for my credit card info during our first conversation or at a later time. 
After a month of dealing with loan processor, my loan was declined because my loan to income ration was XXXX and not XXXX I told XXXX XXXX as well as Amerisave Customer Relations that due care was absent dealing with me, that the loan officer should have had doubt about my qualifying in view of prior rejection, and should have been more thorough before costing me money. I asked for {$940.00} in expense reimbursement, but Amerisave declined taking any responsibility. 
PS : I asked Customer Relations to look over the recorded information between me and the loan officer. Customer Relations replied the tape was erased.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-03
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2015, after receiving a letter demanding payment from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I investigated the item and immediately sent a letter disputing the charges from XXXX XXXX XXXX in the amount of {$590.00} and requested that they immediately remove any outstanding balances from my accounts as well as remove it from my Credit Report. 

After numerous telephone calls, emails, and letters, they still refuse to properly validate the changes as well as remove them from my personal Credit Report. 

Obviously, XXXX XXXX XXXX has falsified the charges by prescheduled her into Appointments she neither Authorized or Confirmed. 

XXXX XXXX XXXX uses an online scheduling system with a " Confirm '' button and email confirmation. Neither my daughter or I ever confirmed the appointments. 

As I have written numerous times, my daughter said XXXX XXXX was " creepy '' in her words and never wanted to go back for additional chiropractic care. 

At the time of her first appointment, XXXX XXXX XXXX, prescheduled her into follow-on appointments which she did not confirm Online or Otherwise. 

What is more concerning is that your Statements from XXXX XXXX XXXX and XXXX XXXX XXXX do not match. Obviously FRAUD on XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
During the hurricane Irma. Capitalone put me on a hurricane disaster program until I caught up on my account. I advised them my job won't open until XX/XX/2018 due to damage. The rep stated it won't affect my credit. After looking at my credit and disputing thru capital one they denial my claim for hurricane issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a dispute with XXXX regarding a fraudulent application for an overdraft protection loan opened in my name by my ex-husband as a co-signer but one where I was listed as not authorized to use. 

My ex husband stole my identity and opened up a joint overdraft line of credit on a checking account back in XXXX. He then put me as Non-authorized user so I never knew about this account or received any info about it since the address on file was never my address. Even until today, I am unable to find out any information about this account because I am not an authorized user. 

He stopped paying the balance back in XXXX, after we divorced, and this account is now a negative on my credit report. When I call XXXX, they can not give me any information because Im not an authorized user. 

I have taken steps to clear this issue by requesting my original signature authorization or any documents that I supposedly signed to open the account. My plan was to take these documents and have them analyzed by a certified forensics handwriting expert ( I had to do this with other issues with my ex husband. He is a criminal ). They said they do not have the documents. How am I able to prove the application was fraudulent if they didnt keep the documents to analyze? 

As a result, they denied my claim of fraud for lack of documentation but will not tell me what documents are required. Im hoping making a complaint with the government under oath will show my complaint is legitimate.

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 2018-08-03
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I completed a Loan Rehabilitation program with Nelnet and the US Dept of Education to successfully bring my student loans out of a default status and into a current status. As part of completing the program, I was advised that any derogatory information tied to the old accounts would be removed from my credit report and replaced with a new account that does not have any negative remarks from the past. I sent a special written request directly to Nelnet. In whole, it stated : I'd like to bring to your attention an error with your reporting of a rehabilitated student loan. I have previously disputed this reporting with all three major credit reporting bureaus on several occasions. Specifically, I am expecting the deletion of derogatory credit reporting on any of the Nelnet/Department of Education loan - as specified in the terms of the Higher Education Act and the Department of Education. Specifically, it says : To rehabilitate a defaulted Direct Loan or FFEL Program Loan, you must agree in writing to make nine voluntary, reasonable, and affordable monthly payments ( as determined by your loan holder ) within 20 days of the due date and make all nine payments during a period of 10 consecutive months. Benefit : When your loan is rehabilitated, the default status will be removed from your loan, and collection of payments through wage garnishment or Treasury offset will stop. Youll regain eligibility for benefits that were available on the loan before you defaulted, such as deferment, forbearance, a choice of repayment plans, and loan forgiveness, and youll be eligible to receive federal student aid. Also, the record of default on the rehabilitated loan will be removed from your credit history. Therefore, I respectfully request you address my concerns here. I have enclosed copies of my credit reports highlighting the incorrect loans that keep getting verified as correct after a credit bureau investigation. For your records, this loan rehabilitation was completed by me, therefore I suspect ample time has gone by for you to correct your records. Kindly respond promptly. I have yet to receive a response from them after nearly 60 days and continue to have negative information on my credit report adversely affect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
They just told me that over XXXX dollars in interest is added each month I don't make payments using a forbearance method. The is the first time I have ever heard of this ASTRONOMICAL greed bearing statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Experian Information Solutions Inc.
State: TX
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:
A fraudulent account was opened in my name at XXXX. I informed Experian of the fraudulent account and they concluded that account was verified to be correct. But XXXX verified that the account was fraudulent on the attached letter below. Account is fraudulent and Experian keeps reporting it and affecting my scores.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Capitol One reported a late payment that was directly caused by the Corona Virus pandemic to the Consumer Reporting Agency setting back years of work trying to fix my credit that will no doubt cause Hardship. 
I was laid off back in XXXX due to the Corona Virus, at this time I had never had a late payment with Capitol One. I missed my payment on XX/XX/XXXX for the first time directly because of losing my job to the Corona Virus. I ended up working with a friend making a small bit of money and tried to lower down all of my rising bills even the slightest amount and paid XXXX $ to Capitol One on XX/XX/XXXX bringing my XXXX and XXXX payments current even though at the time I could barely afford food to feed myself, but my XXXX payment was 35 days late and was reported on my credit report dropping it by an astounding amount of points. I was late again on XX/XX/XXXX still, I finally was able to get everything caught up and fixed on XX/XX/XXXX making a {$110.00} payment. I tried my best to contact capitol one to try and help me remove this late payment that reported to my credit agency. to no avail. I have never been late, nor will I ever be late at my own fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I sold my home secured by a mortgage held by freedom mortgage corporation on XXXX XX/XX/2021. I let two weeks go by and then started inquiring on my escrow refund of {$4400.00}. On XXXX XXXX, a full month after selling my home I called freedom mortgage and informed them that I had yet to receive the refund check. I was told that I would have to wait another four weeks before they could issue a stop check and re-issue a refund check. I finally received my escrow refund today XXXX XXXX, 2021. To have to wait over a full month for an escrow refund is unacceptable in my opinion. Additionally there was no sense of urgency On the part of the freedom mortgage customer service representatives. This has been a wholly unsatisfying experience and I believe freedom mortgage should be held accountable and not be allowed to treat consumers this way. Thank you, 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 2016-09-06
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
Hello, I was a member of American Express Serve from XXXX up to today. They informed me that I no longer have an account with them following my dispute that they say was resolved. I had {$1900.00} on my account and went to XXXX XXXX/XXXX/XXXX to top it up to maintain {$2000.00} for my car payment. I received my receipt and saw {$900.00} on the new balance. This is not right I said. I went home and logged into my account and saw transactions to my account that I did not make or authorized. I contacted American Serve and made them aware of the situation and seeing these funds were on hold for payment ; I told the representative to stop payment as I did not authorize these. They said they would have Serve look into it and issue me a new card. I contacted Serve again and this time they stated I should file a dispute, which I did. The monies had finally went over to the vendors. I kept contacting Serve and was told that an investigation was ongoing and that if they felt I should receive the monies in the meantime while they conducted the investigation would be determined by them. I got the money which was {$1100.00}. Today I got email stating that their investigation was complete and that the transactions were authorized and they took the {$1100.00} from the account and closed the account. I called twice and was told this and that a check has been mailed out to me for the remainder on the account of {$900.00}. I am at a loss as to how to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: EQUIFAX, INC.
State: VA
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:
To Whom it may concern, I was recently reviewing my credit report and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed an FTC Report as well and the report number is XXXX. The FTC Report is attached. 

These fraudulent credit inquiries made by the following companies : Inquiries : 1. Equifax Mortgage Ser on XX/XX/XXXX 2. XXXX XXXX on XX/XX/XXXX 3. Equifax Mortgage Ser on XX/XX/XXXX Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Good day, I was on forbearance and decided to pay back all the money that I owed for my mortgage from XXXX to XXXX after I secured a loan. Wells Fargo is refusing to update my information on my credit reports. They have received the payments of all those months but still my credit is not accurate. XXXX report is showing that there NO DATA AVAILABLE for the month of XXXX to XXXX. XXXX is showing NO PAYMENT MADE. XXXX is showing that I am under FORBEARANCE. I have paid XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and none of those payments has been used to update my credit report showing. Those months are still showing on my report that no payments were made. I have reach out to Wells Fargo and still calling them without any success. I said to them that if they want to keep the information on my credit, they should give me back the money and have the loan modified, or an extension of the loan, or a new interest rate. They can not keep the money paid for the months of forbearance as reinstatement in a lump sum and not update my credit report to reflect the payment. I talked to several agents and managers and they always promise to update the information since XXXX nothing is being done. 

Thanks in advance for you help in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Bridgecrest Acceptance Corporation
State: MO
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 sold my XXXX XXXX XXXX to XXXX on XX/XX/XXXX, and they informed me that the check for the balance in full was received by Bridgecrest on XX/XX/XXXX. 

On XX/XX/XXXX, my car payment showed past due ( within 30 days ), so I called Bridgecrest for guidance on why the payoff had not yet been processed, and asked if I needed to make another payment. I was informed that the date on the check would be honored, but that if the payoff was not received by XX/XX/XXXX, that it would be reported as late, so I should make a regular payment prior to then to ensure no late payment would be reported to the credit bureau. I asked if the payoff would still be honored, and if I would get a refund for the additional payment, and the agent did not know, but said if there was an overpayment I would receive a refund. 

On XX/XX/XXXX, the payment was entered into the system as pending. 

On XX/XX/XXXX, the payment was processed and I received an email confirming that my account was paid in full, and that because of my impeccable payment history, they would love to finance another vehicle for me. 

Also on XX/XX/XXXX, I received another email stating my account was past due {$0.00} and that if I did not make a payment for {$0.00} by XX/XX/XXXX, a 30 day late would be reported to the credit bureaus. I called and spoke to an agent who informed me that the email was automated, and that if my account was paid in full, that it was sent in error. 

On XX/XX/XXXX, I received a refund from Bridgecrest in the amount of {$43.00} for the overpayment on my payoff, dated XX/XX/XXXX. 

On XX/XX/XXXX, I received an alert from XXXX  that Bridgecrest reported my account had been closed in a bad standing with a 30 day late. I called Bridgecrest to fix it, and they refused, saying that it was my fault and that I was properly informed that it was 31 days late when they posted the payoff. I was never informed that I needed to pay it prior to XX/XX/XXXX, as will show in the phone calls. I was only ever informed of XX/XX/XXXX, and was told that the payoff from XXXX would settle this if it was posted to my account prior to XX/XX/XXXX. I spoke with two different people in Escalated Customer Relations, and was told they would be doing nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09
Company: EQUIFAX, INC.
State: TX
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:
A fraudulent account was opened in my name at XXXX. I informed XXXX  of the fraudulent account and they concluded that account was verified to be correct. But XXXX verified that the account was fraudulent on the attached letter below. Account is fraudulent and XXXX  keeps reporting it and affecting my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Experian Information Solutions Inc.
State: NY
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 was looking over my credit report i noticed i had a lot of inquiries and i called the credit bureau and was told that couldn't help me and I have to contact the company 's and they have given me numbers that don't work it's not right and after doing more research I found out my social security and information is on the web

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 2017-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
These companies make it so you ca n't dispute anything on your report. Everyone should know how crooked this is and its setup so you ca n't dispute. The whole credit score and identity theft is a joke and people need to quit buying into this whole farce.

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 2018-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
So I've been with Bank of America for a couple years now and about 3-4 months ago I stopped using the account which had a {$0.00} balance well for the month of XX/XX/XXXX and XX/XX/XXXX they charged me a maintenance fee which caused my account to go negative I don't understand the fee if there is no activity. I really just wanted to know if this is legal.

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