BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have a business account that I deposit my check beginning of every month. These checks are relatively large in sum, I have been doing this every month for almost 4 years my checks would clear within 24hrs and I would then pay my bills. On XX/XX/XXXX, due to my heavy patient load ( medical office ) I was not able to personally deposit my check I asked my wife to deposit it. Wells Fargo is holding my full funds until the XXXX due to LARGE AMOUNT. My practices bank has confirmed that WF has received the funds. I have reached WF on the phone several times spent precious time with no reasonable explanation. I cut my office short and personally went to the branch that the check was deposited : XXXX XXXX XXXX XXXX XXXX, Texas XXXX, to talk to staff or manager they have not only removed the hold on my funds but can not give me a reasonable explanation as why, as why this time my check was withheld. One WF employ over the phone told my that the fund is too large. This check was comparable if not lower in amount as compared to my previous deposits. The unprofessional, unnecessary act of Wells Fargo Bank has now caused me valuable time away from my practice my patients it has caused my mortgage and bills to be late and it is effecting my credit score, simply due to their negligence.

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 2020-03-05
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received an annual pmi disclosure letter. After reading it and doing the math I contacted the lender to confront them with the fact that I had been under 78 percent of the original home value for at least a few months. I was given the run around that my complaint must be sent to someone else with no promise of fixing the problem and agreeing to nothing on my end. I realized I had been billed again for pmi in XXXX. I contacted the lender again and got the run around about company policy not allowing a refund of what I was overbilled on pmi. Penny Mac is claiming I am not owed the back pmi based on a document that was signed at closing. I don't understand how this document would be binding if auto termination is required at 78 percent. Could you please help me determine my rights under the Homeowners Protection Act. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: Navient Solutions, LLC.
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:
I went to XXXX XXXX XXXX from XXXX to XXXX and was swindled like many of the victims of XXXX  for-profit schools that stole millions from students. There are STILL ongoing lawsuits around this issue and settlements have already been made as reported by many mainstream sources such as here : XXXX  : XXXX the 3 credit bureaus CONSISTENTLY ignore letters around removing these student loans off my credit report on the basis of 1 ) ongoing litigation, 2 ) fraud and 3 ) deferment due to litigation. 

Navient is a culprit in this issue as well, as they consistently ignore letters and simply BUMP the loans every single year ( literally every 365 days ) into deferment due to numerous reasons, the latest reason being COVID. 

PLEASE GET THESE FRAUDULENT LOANS OFF MY CREDIT. As the secured party of the debtor of these loans, we will hold all appropriate companies responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a VA loan on my home, and had a hardship forbearance under the Cares Act for Covid. I have been trying to get my streamline redone on my loan since XXXX, and because they didn't enter the information correctly when talking to them on the phone, they say I am no longer eligible for the streamline refinance. I then entered the information and submitted what they asked me as they said I was approved on XX/XX/2022 for a reguar refinance. The guy took all my information over the phone, said I was approved and to check back if I don't receive the paperwork in the mail in 3-4 weeks. 
I called them on XX/XX/2022 as I had not heard back from them, and the Rep. said I had been declined on XX/XX/2022. They did nothing to tell me this. Why did the guy tell me I was approved and then they disapproved it. Under the Cares Act they were supposed to automatically approve you for the refinance and move the balance to the end of your loan. I am afraid I will lose my house as I can never get a straight answer from them and the keep putting me off. Thanks! 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 2018-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
A negative mark was put on my credit report for missing the annual fee for the credit card. I call and explained that I didn't realize the fee. If the fee isn't paid the card should be canceled and not report as delinquent. No payment was ever missed for actual credit card use on purchases, and the fee was addressed as soon as realized. I am looking for the negative remark to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-09
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: Investigation took more than 30 days

Complaint:
I am a victim of identity theft. Since 2015 two cards were opened at XXXX. A XXXX XXXX, and a XXXX XXXX XXXX. To add to this, a Total Checking account and Savings accounts were also opened Fraudulently. I have learned recently that these accounts were closed. A few months ago I attempted to open a checking account at XXXX XXXX. Only to learn that my Online Access had been flagged for Fraud, which I changed my password. I was then told I cant open an account as past accounts were closed. I was shocked to learn these accounts were opened in my name as I never opened any of these. My email addresses were also hacked. Which I have also corrected now. When contacting XXXX  about this matter they refuse to assist me. As a victim of identity theft this is a crisis. I want it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: EdFinancial Services
State: OH
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:
In accordance with the fair credit Reporting act. Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AK
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:
Portfolio has been disputed and refuses to validate. They send their own typed up letters and computer printouts of statements over 4 years old. There is absolutely nothing on my credit reports that show any charge offs that Portfolio is claiming to collect for. They are now refusing to validate any thing else which now they are violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: IL
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:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

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 2023-05-22
Company: Experian Information Solutions Inc.
State: AZ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have a Torrid credit card that is through Comenity Bank. When I was approved for the credit card my assigned credit limit was {$300.00}. I never went over my credit limit nor was I ever late with my credit card bill. In XX/XX/2022 I found out through my credit bureau reports that Torrid/ Comenity Bank raised my credit card limit to XXXX Once again I never went over my credit limit nor was I ever late with the credit card bill. In XX/XX/2022 I paid off my entire balance of {$230.00}. When I went to look at my account to make sure no interest was due I saw that Torrid/Comenity Bank had lowered my credit card limit to {$100.00}. When I spoke to Torrid/Comenity Bank they were unable to provide me an answer as to why my credit card limit had been decreased and that someone gives me a callback. To date, no one has called me back. 

Each and every time that my limit is raised and decreased it hits my credit bureau report and it could have a potential positive or negative effect on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to cosign for my son a car and after being there for about 4 hours my son was denied for his car because of me being a cosigner. I went home and pulled my credit on one of those credit sites and there are some things on there that are not mine. I've contacted the FTC and my local police and I'm doing all this on my own. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and there is a bankruptcy showing on my credit as well. I have never even thought of a bankruptcy. Please have these items taken off my credit Thank 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 2020-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
There are inaccurate accounts 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
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: NC
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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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
Consumer complaint received 2020-03-05
Company: Experian Information Solutions 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:
On XXXX I disputed this account which was originally reported by XXXX XXXX XXXX account number XXXX for a debt they are claiming I owe XXXX XXXX and reported it to my XXXX  Credit Report. 

XXXX  looked into the investigation and informed me that they removed this account on XXXX account XXXX and amount of {$320.00} and had it deleted from my credit report. 

XXXX XXXX XXXX illegally added this back to my credit report back on XXXX so I then disputed it again by writing XXXX  on XXXX claiming I owe XXXX XXXX under my Social Security number. 

After their investigation, they wrote to me on XXXX to inform me that this was deleted from my report. 

Now XXXX XXXX XXXX is trying to add this to my Experian credit report illegally under the account number XXXX and claiming I owe {$320.00} At this point when you review the evidence, you'll see that the account numbers do not match for the original accounts nor does the name match for both accounts that were deleted. Moreover, this is one of many reasons why these were DELETED and removed in the first place. 

Furthermore, if you look at my report with Experian versus my report with XXXX, youll see that they took this matter very seriously and deleted these very quickly as they saw they were fraudulently added under different names, amounts, account numbers and addresses. 

Moreover, now I have discovered that the items have been reinserted on my credit report under a fraudulent account number and name.

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law and it is why I am reaching out to the CFPB to help resolve this matter quickly. 

XXXX XXXX XXXX XXXX, VA XXXX Cc : Attorney General 's Office Cc : 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 2021-02-07
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
The record on my credit report by SYNCB/BELK shows as " Paid, Closed/Never late. ( XXXX ) XXXXPublic Record '' I have already sent a written certified mail letter along with my valid Government issued IDs, utilitybills, my W2, cvto XXXX. But the items still is in my report. The Belk and XXXX  did not correct it. Following detail is aboutSYNCB/BELK reporting inaccuratelyand XXXX  maintaininginaccurate information in my credit file. 

My creditis hurting with inaccurate information as a result. This must immediatelybe corrected Details : 1. I have not and never opened a credit card account with this company at all. The item in my credit report shows a Paid / Closed Never late public record. And the account is closed. It is inaccurate information that is hurting my credit. 

2. The company also reported my address incorrect - a post office address XXXX XXXX XXXX XXXX, GA XXXX. 

I do not and have never lived at the post office address. XXXX  did not correct this information as well. Also Belk did not correct this information as well. This inaccurate information is hurting my credit. 

3. My name is also reported incorrectly - XXXX XXXX XXXX Name ID # XXXX Report Number XXXX XXXX XXXX Name ID # XXXX Report Number 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 2023-01-05
Company: EQUIFAX, INC.
State: CT
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Equifax to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX 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 2023-10-11
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My mortgage was recently transferred from XXXXXXXX XXXX to Freedom mortgage. I received a letter saying I had a 2 month grace period to start my loan payments with the new company. My mortgage payments went up almost {$200.00} per month so I used the 2 month grace period to pay off some bills so I would still be able to put food on the table. I just received 2 letters yesterday from Freedom mortgage, one saying I was past due 2 months and one saying I had 30 days to catch up my payments or they would foreclose on my house. After I received the first letter informing me of the mortgage transfer I called Freedom mortgage and said I was planning on starting autopay on my account on XXXX XXXX and was told that would be fine. I called today and was told my only options to get the account current are a 6 month repayment plan that I can't afford or a loan restructuring that would change the percentage rate of my loan to the current rate which I also could not afford. I was also told I could keep making my normal payments but I would be reported to the credit bureaus and my credit would suffer. 

I'm sure this is not the first time someone has misunderstood the 60 day grace period after a mortgage transfer because their letters state you will not be charged a late fee by Federal law. I can't believe there is no way to fix this without ruining my credit score, which I have been working to improve. 

I am a XXXX XXXX XXXXXXXX XXXX and my wife and I are both retired living on a fixed income. My mortgage payments have gone from {$1200.00} to {$1600.00} since we bought our house. I can barely afford to put gas in my truck and buy groceries. Please let me know if there is anything you can do to help us.

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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Transunion to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX 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 non-monetary relief