BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good Afternoon- I am embroiled in a problem with Citizens Bank regarding escrow insurance thats included in my mortgage payment but Citizens is not making the payments to the flood insurance carrier. As a result I have had to pay the premium since the inception of the loan over 2 years ago. 

Last year they failed to make the payment to the carrier and I made the payment out of pocket to avoid cancelation. after a substantial effort Citizens finally paid me back the money I paid. 

This year, I had to make the payment again due to their failure to pay the premium out of my escrow and now I can not get them to repay me the money I paid out of pocket. 

Without exaggeration, I have contacted them over a dozen times in an effort to get my money back ( which is my money as I paid it into an escrow account ) and they will not return my calls. 

To add insult to injury, Citizens is now sending me threatening letters accusing me of not paying my flood insurance bill. 

Every time they fail to make the payment, I risk losing my coverage. 

I am at wits end and do not know where to turn. Can you assist me getting this issue resolved? 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

Account : XXXX, in the amount of {$610.00}

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 2019-10-07
Company: Westlake Services, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
The car was totaled, XXXX issued a payment over XXXX on XX/XX/19 to WESTLAKE FINANCIAL SERVICES. I purchased gap coverage through the finance company they issued a payment of XXXX ; leaving me a balance of {$1600.00}. I don't dispute that the responsibility lies on me. However I am being told i have late charges and penalties for not paying a XXXX or XXXX payment of {$490.00} and they will report this to the credit bureau as a repossession. If my car hadn't been totaled and a payment of XXXX was made no payment would be due for almost 19 months how am I late on anything. How are they threatening me? They are still reporting a XXXX balance on my credit report ; negatively impacting my debt to income ratio.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: Experian Information Solutions Inc.
State: DE
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:
As a consumer on multiple instances, I have written several letters to Experian, exercising my rights as they pertain to the FCRA section 15 U.S.C. 1681g, I have simply requested original hardcopy documentation, fully and totally verifying that all items being reported on my report belongs to me, who verified these items? What methods were used in verifying these items? Also, where is the physical proof of a contractual obligation with my signature on it? They have failed to provide those documents as well as allowing the items to remain on my credit report after several letters damaging my creditworthiness. The items, therefore, should have been deleted Under section 611 ( a ) ( 5 ) ( A ) ( i ). Experian is in violation of the FCRA.

I will upload both dispute letters I sent to Experian, along with the items I disputed.

I'm asking that the CFPB assist me in this matter because Experian has violated my rights to the fullest.

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 2020-05-01
Company: WELLS FARGO & COMPANY
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX of 2020 I found out that Wells Fargo Dealer services had not beem reporting payments I had made to the credit reporting agencies. I called the Office Of the President which is supposed to be the highest level of escalation and reported the issue and was told it would be resolved. I even got a letter from them stating the error was their fault and it was getting corrected. I am in the process of buying a new house and this has caused a 100pt drop in my wifes credit score and hurting our chance of the loan. The new bank called us in XXXX and said our rating had dropped from XXXX down to XXXX. I called the office of the president again and started a new claim and it was handed over to XXXX as my Claim Rep to resolve this issue. I called and talked to him on XX/XX/XXXX20 and he said he would get it resolved and call me back in 48 hrs. I didnt hear from him on XX/XX/XXXX and started trying to reach him on XX/XX/XXXX and levt multiple voice mails and never heard back from him untill XX/XX/XXXX at wich time he lied to me and said the info would get updated and corrected on XXXX. Its still showing I havent made a payment all of 2020. I have escalated to supervisors and even his manager XXXX only to be ghosted still. There is no way i can find to escalate this higher within Wells Fargo Dealer Services. everyone there just passes the buck and says there is no one we can talk to to get this escalated. This is really frustrating and I need this resolved ASAP.

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 2018-09-20
Company: Earnest Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Today XX/XX/18 customers of the student loan refinancing service, Earnest,  received an email from the company outlining a new change to their dashboard. However in the smaller print of the email they revealed that they will no longer allow customers to pay their loans bi-monthly. It has been proven that paying loans bimonthly reduces the overall interest paid and can significantly reduce the life of the loan. Not allowing customers to make payments in this way is 1 ) not beneficial to the consumer and instead benefits the companys profits 2 ) limits the options customers have to make reasonable on-time payments. Paying bi-monthly or more often is a right consumers should have with their debt as it is more financially responsible and reduces the likelihood of loan default.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was having this credit card from XXXX.in XX/XX/XXXX they charged {$49.00} annual fee for the first time without my consent ..i told them that I don't want a card with annual fee .Then they said that I need to close the a/c which I did. But they won't repay the {$49.00} that they charged as annual fee

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 2018-05-17
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I get a daily call from " XXXX '' letting me know that I am eligible for a zero % interest rate and I must accept the call in order to prevent my card from being cancelled. The number calling is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
Our XXXX XXXX mortgage was initially being reported as included in our bankruptcy. We submitted a dispute as it was not included in the bankruptcy and is still an active mortgage account we make payments in monthly. TransUnion deleted the account as the solution. It is now no longer showing on our credit report and should be to reflect our ongoing payment history.

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 2017-11-17
Company: American Accounts & Advisers, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/XXXX I reviewed my XXXX credit report, which listed 8 different accounts from XXXX XXXX XXXX. I sent a letter to XXXX requesting validation/verification of this debt as I do not believe it belongs to me. I received the results of this report today XX/XX/XXXX, which stated these accounts had been verified by XXXX XXXX XXXX. However, I received no written proof of these accounts as I requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: EQUIFAX, INC.
State: PA
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 alerted today XX/XX/2019 that there was a new hard inquiry on my credit report from XXXX located in XXXX, FL XXXX. I did not authorize this and I have not had any contact with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i was denied a loan modifications by wells fargo i agreed to do a short sale on my home to avoid it affecting my credit showing a foreclosure and also to get help relocating now i am being told i am denied that as well in the most recent letter i received from wellsfargo it states events which never occurred while i was waiting approval for short sale i recorded the conversation with me and the rep and my agent and at no time were items stated in the letter occurred during this phone call i will have this transcribed and available as evidence this they have not provided their call records for review i sense some retaliation from the rep who notated my account incorrectly causing the decision to be made on my account we cooperated with everything asked of us for this to be approved the bank delayed intentionally to void the first appraisal and there after didn't not get back to us timely on the count term offer their response letter states all lies my attorney can attest along with all parties who have address this shortsale request my Attorney can attest he submitted the counter with no acknowledgment till days later for a request to resend which he did their later claimed info was requested and not submitted which is not the case and a lie.. 

wellsfargo has treated me with deceitful practices their actions on my loan mod and shortsale requests have been unfair i am accusing wells fargo of fraud, negligence, breach of fiduciary duty, and breach of contract at this point due to the outcome of my requests over the last 4 years. 

i believe they denied my mortgage loan modification due to a calculation error in their banks software tool because even after my husbands income they state they can not offer me a loan mode that we can afford

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 2019-10-07
Company: Experian Information Solutions Inc.
State: MA
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 noticed on my Experian credit report that I had a collection account from XXXX. I cancelled a XXXX phone account back in XXXX. And it was all paid. I contacted XXXX and they said they recently retrieved my SS number and I needed to pay up or more collections would be added my account. Experian told me I was out of luck and XXXX certified that I did owe ... I DO NOT OWE XXXX, I paid them in XXXX ... Experian told me I could pay them or wait 6 years for it to be removed. I asked Experian for proof and they told me to contact XXXX, I contacted XXXX and they told me they dont provide proof and they needed {$770.00} now.

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 2018-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Other problem getting your report or credit score

Complaint:
I have been trying for months to log in to my transunion account and its been impossible I click forgot password I put my information and it does not let me proceed to next step and they keep charging me XXXX $ I have called their customer service number and I'm literally on hold for over 45 mins. its impossible to get a hold of them and on top I paid for the report once to get my credit report didn't expect they would be charging me every month for it when clearly I'm not using it and cant even log in to cancel that subscription.

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 2018-08-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts listed below are not mine. 
XXXX XXXX XXXX The companies listed under Inquires were not authorized to run my credit. I did not give written nor verbal authorization regarding these inquires. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX These items need to be deleted from my credit report. 



In addition please remove the following addresses and employment XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX These addresses are not mine, I have never lived here. 
Employees :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-17
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Someone named " XXXX XXXX '' was calling my cell phone repeatedly. She then began to call my office phone repeatedly. She was harassing me, threatening to sue me, to call my payroll department, and cornered me into giving her a payment arrangement I knew I could not make. I explained to her I am a single mom, sole provider to my XXXX sons and she said I do not have a hardship. " More money more problems '' is what she said. She called me repeatedly since XXXX 2017. She called from various phone numbers. The original loan was from XXXX, who sold the debt to This company. This lady did n't tell me the name of their company. I only know it to be " XXXX '' as that is what shows up on my bank statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: Exeter Finance Corp.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2019 I purchased a XXXX XXXX XXXX at the XXXX XXXX XXXX in XXXX XXXX New York. The purchase agreement was assigned to EXETER FINANCE LLC in Texas, i received the first statement in beginning of XX/XX/2019 and I mailed to EXETER a Certified Check, an IRS form 1040V, a New York State UCC-1 Affidavit Of Ownership filing # XXXX, a Kentucky UCC-3 filing # XXXX where I Register the Certified Check/Security Instrument, all the mentioned items were received by EXETER on XX/XX/2019, on XX/XX/2019 I received a XXXX mail from EXETER/XXXX XXXX stating reception of the certified check and claiming " EXETER does not accept the document purporting to release the customer 's responsibility in the XXXX XXXX VIN # XXXX ETC ... without returning any of the document ( s ) sent ( 1040V, New York UCC-1, the Certified Chek, the Kentucky UCC-3 ). I gave EXETER FINANCE 10 days to return everything received from me if there was any defect for me to correct it they did not, meaning the alleged debt was discharged after the 10 DAYS WINDOWS. They sent me another statement with adjustment of {$44.00} along the monthly payment, I sent them a SET OF GSA BOND ( SF30 Amendment of Solicitation/Modification Of Contract, Optional Form 90 Release of Lien on Personal Property, Optional Form 91 Release of Property from Escrow, SF 1414 Consent of Surety SF1416 Payment Bond for other than Construction, SF1418 Performance Bond for other than Construction to Satisfy/Settle/Close the Account, two days after they received it XXXX XXXX MAILED ME BACK via XXXX everything that they received in XX/XX/2019. They still have the GSA Bond to Satisfy/Settle/Adjust the Account according to the instructions on the bonds

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: IQOR US INC
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
The alleged company Allied Interstate, LLC is calling me every single day for months. They call XXXX times a day and as early as XXXX and as late as XXXX. They have called me during job interviews. They never leave a message and are basically harassing me. I told them I think it is illegal to call that many times DAILY, but they said nothing. I have lost my job, I struggle with health issues and I can not pay the loan payments right now and I told them that. I will as soon as I can. PLEASE make them stop harassing me.

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 2019-05-24
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:
There are over 77 hard inquiries on my XXXX  report, I have paid two credit repair companies to resolve these issues and more. I also called XXXX directly and was sent a complimentary credit report but no real resolve for my credit report issues. I have been advised that I may be a victim of " inquiry issues '' within this credit reporting database, Several inquiries for instance are listed more than once on my initial credit report. Hard inquiries make up a significant role on your credit score.

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 2019-10-07
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
A loan was taken out on XXXX. The last payment received was XXXX. This company has been reporting missed payments past the 120 day mark for the last 5 years hurting my credit even further. They have kept the account open, updating the balance due to interest accumulation that shouldnt of happened. There are several different balances showing for the payoff using multiple services for collection.

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 2019-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are over 77 hard inquiries on my Transunion report, I have paid two credit repair companies to resolve these issues and more. I also called Transunion directly and was sent a complimentary credit report but no real resolve for my credit report issues. I have been advised that I may be a victim of " inquiry issues '' within this credit reporting database, Several inquiries for instance are listed more than once on my initial credit report. Hard inquiries make up a significant role on your credit score.

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