BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-27
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: Investigation took more than 30 days

Complaint:
I disputed the bankruptcy on the report and they got back to me later than thirty days. I also disputed and Experian said that the bankruptcy came back verified. I was wanting to know their verification method. I called the Court in XXXX and asked if they had released the information to the bureaus and they do not release that information to third parties so how was this verified? Also the account for XXXX XXXX was agreed by the creditor that this account would in fact be removed from this report after payment. Payment was made in full but the item remains which was not their agreement.

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 2021-05-26
Company: Bread Financial Holdings, Inc.
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I tried to call the collection agency back, but they do not answer their phone. They've used a different phone number each time they call, and have bombarded me with numerous calls each day for several weeks. They wont return my calls or messages. They've used abusive, deceptive and threatening language and claims. They have not provided written proof of the claimed debt, nor any proof of who they are, nor proof of their right to attempt this debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been sending disputes to Experian every 35-40 days since XX/XX/2017 and on multiple occasions the results where received after 30 days or not received at all. I even sent letters for verification of method used to investigate and haven't received any response either. This is have been ongoing for almost a year, if this doesn't get resolved so I will have no choice but to pursue legal action against them. I have submitted 2 claim already with the CFPB ( XXXX,XXXX, and this still hasn't been resolved. I specially asked to be provided a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. To this date no documentation has been provided.

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 2020-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I obtained a mortgage w Bank of America in XX/XX/XXXX, interest rate was 8.875 % when I bought my house. Due to the price of the house, this was deemed a second mortgage w/ 15 year terms. For the past 14 years I have tried to refi but could not due to housing crisis. In XX/XX/XXXXI was able to modify the mortgage. During this process, I repeatedly asked BoA what the new interest rate would be, and no one was able to provide this, claiming it would be done in " underwriting ''. The new modified mortgage packet arrived- with the same 8.875 % rate in XX/XX/XXXX! I put a cover letter on the closing documents, indicating this and that I only was ONLY signing the first page AND, ( DID NOT SIGN ANY OF THE CLOSING DOCUMENTS ). They pushed it through without signatures, and DID NOT LOWER THE PAYMENT in the modification. I have wrote letters to BoA CEO, XXXX XXXX reporting this and requesting a ( retro active ) adjustment from the start of the modification. Mr. XXXX XXXX is assigned ; he took a copy of page 1 w/ my signature, and wrote I needed to refi the loan, ( costing me even more money ) and ignoring that Bank of America is not in regulatory compliance without my signatures. ( *The mortgage of {$1000.00} is {$760.00} in interest and {$240.00} in principal- this has been going on for 14 years. ) The payment and the interest rate was not lowered in the modification.

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 2018-06-26
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Once graduated in XX/XX/2011, I was told I had to pay a very large sum every month. I explained I was not making enough money to afford the minimum monthly payment. I was told to put my loan in forbearance. I explained I could afford XXXX dollar payments a month. They told me that was not an option and forbearence was my only option.

Fast forward 1-2 years later they discuss Income Based Repayment which I signed up for. They said I could pay XXXX $ every month because my yearly income was so low, but left out that my interest would still be accruing. 
They also never discussed the benefits of consolidating my 10 separate loans so in doing my loan research years later I called and asked to consolidate. The woman I spoke with even stated " she was surprised this wasn't initially gone over when I first applied for the Income Based Repayment option. '' They also have my school loans listed as University XXXX XXXX? I have no idea why as I have never attended that school. 
My first mistake was going to the for profit college XXXX XXXX and finding out later I was lied to and thought to believe I would get a degree and have a well paying job. My second was listening to Navient and believing they had my best interest at heart.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have a kind of complicated situation. In XX/XX/XXXX, I began paying Sallie Mae for my student loan. I made regular on time payments till XXXX XXXX XXXX, when my husband and XXXX children began to struggle financially. Sallie Mae gave me an immediate forbearance due to hardship. We filed bankruptcy in XX/XX/XXXX, and barely a month later my aunt died and I was inherited XXXX. Sallie Mae was one of the many creditors who were offered to claim their money. Sallie Mae did so and to my knowledge my bankruptcy trustee paid them in full. I do believe I made a follow up call to make sure of that. During the time from which I filed bankruptcy and time that everyone was paid and my bankruptcy case closed was nearly 2 years due to probate and what not and Sallie Mae kept charging interest and late fees on the account after claiming money already. Is that legal? Now during the last year I've been fighting with them to explain to me how I owe them XXXX. After my trustee gave them the payoff two years later an adjustment was made to my account for XXXX and XXXX which makes no sense to me. And then 3 years later they begin charging late fees again. I wrote them 2 dispute letters and followed up many times to try and get a supervisor to contact me and they told me they were making a decision on my case. I asked specifically to be called and emailed directly with outcome and they didn't do so. I had to call again in which they told me my explanation could be found on my account page when I went there they had not given any explanation just changed my account around to offer a lower payment plan. I could never get a straight answer from anyone ... I am uploading many documents to you in hopes some one can figure out how any of this makes any sense. I have done all I can and now they have forced me into another forbearance or too till I got this figured out which is again in late standing to current. thank you kindly for your time XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Rocket Mortgage, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I requested that QuickenLoans released my escrow account. 

I received my escrow account for XXXX XXXX XXXX, XXXX, CO XXXX. 
I was surprised that I received a refund check for only {$0.00} cents for it. 

Reviewing the paperwork It stated They estimated and I paid you from XX/XX/XXXX to XX/XX/XXXX a total of {$1300.00} But They will ended up disbursing a total of {$890.00} for the entire year. 

I asked what happened with the difference of {$460.00}? No answer was given. 
I asked if the money was owed to me that I needed a check for it. 

Then They told me They were sitting on {$880.00} dollars in my escrow account. 
I asked They paid the remaining taxes for XXXX ( {$250.00} ) that are still due from the escrow account They hold. 
Doing this the escrow account to a balance of {$620.00}. After that, I asked They submitted a check for the balance of {$620.00} after They made that payment. 

Then I requested They closed my escrow account after the last tax payment for XXXX was made ( {$250.00} XXXX and They had provided the money back to me that They are still holding : If it is : $ XXXX {$620.00} this will be {$1000.00} total owed to me. 

On XX/XX/XXXX I paid you {$100.00} for a BPO so They would eliminate my PMI. This was done because the value of the house came back higher than the LTV of 90 % They are still holding the house hostage for, although I paid You {$100.00} for a BPO. 

With this BPO They house was valued at {$95000.00} The original loan amount was : {$53000.00} LTV is : 56.15 %. They are obligated to eliminate the escrow account when the LTV is less than 80 % value. 

I asked They closed my escrow account accordingly after They made the last tax payment for XXXX for {$250.00} and submit a payment to me for what is owed to me. 
I told them I would continue paying for insurance by myself. 

They declined ALL OF MY REQUESTS. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: WELLS FARGO & COMPANY
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2020, I reached out to Wells Fargo to stop pause my credit card and personal installment loan accounts. On the phone I was told my payments would be paused and my interest would be paused. My credit card did not charge me interest, however to my dismay, my personal loan continued to charge interest even though Wells Fargo had paused payments. Wells Fargo is making extra profit by taking advantage of its most vulnerable costumers who have been devastated by COVID-19. My complaint reached the top level executives and the verdict came back that they would continue to charge interest on an account they claimed to lend financial assistance. These accounts should been completely paused. Instead they chose to make a profit.

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 2020-07-27
Company: Kashia Services
State: WY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have filed a complaint with the company already but I received a call from a lady this company in regards to this matter and she was very aggressive, demanding and treating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: EQUIFAX, INC.
State: SC
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:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX someone used my Wells Fargo debit card number and also somehow got a hold of my PIN number and spent {$220.00} at a XXXX   grocery store at XXXX XXXX XXXX XXXX. XXXX, AZ XXXX. On XX/XX/XXXX when I saw that the transaction was pending on my account I immediately turned off my debit card and contacted the bank. After Wells Fargo investigated, they determined since the fraud had been committed with knowledge of my PIN number, they could not verify that it was in fact fraud and denied my claim therefore I am out the entire {$220.00}. At no point was my debit card not in my possession and I was over 50 miles away when this transaction occurred.

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 2020-11-14
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
For several months I've reached out to the CRA '' S with over 4 letters to remove a bankruptcy from my credit report. The account has not been investigated properly and it was not verified by the furnisher of this information. Public records have to be verified by furnishers of the information as any account listed on a credit report. They have failed in their duty. I contacted the courthouse and I was told - they do not verify with any credit agency. They even sent me a letter to confirm this fact. I have attached a letter to this compliant. Information on my credit report has to be verified with the actually furnisher and not a third party. The CRA 's are using third-parties ; thus, they have inaccurate information - and unverified. Delete the bankruptcy - you are in violation of the FCRA.

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 2021-06-21
Company: MoneyLion Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Someone opened a Money Lion loan using my information, the account shows on my credit report for XXXX opened XX/XX/2021 ... i have tried to contact the company with no success. I had to close my bank account and open a new account due to this fraudulent activity. Please help me get this account removed from my credit report. 


Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On my XXXX  credit report there are two activities that I did not authorize. Both are somehow connected to XXXX XXXX XXXX XXXX, which from what I can tell is a fradualent credit card company. I have asked XXXX to remove these and they refuse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In response to past claim XXXX that was closed prematurely. Your bank is XXXX  up, this is not the issue we are discussing with the CFPB. We are talking about you allowing someone to open two new accounts with my corporate identity. They used corporate names and transferred corporate funds. Now, because of the actions you did with the aforementioned account closing, we can not control any of the corporations checking actively until present. I assume this makes Mr. XXXX responsible for ALL tax records, pay rolls, and corporate responsibilities, which again he signed off on. Your actions have hindered the corporations ability to operate properly. We will take that up with the proper parties at a later date. 
Finally, once again I want to say how XXXX up your bank is. You can't address the actual ILLEGAL actions that your bank performed and just try to sweep it under the rug with that cover-up letter from the last CFPB complaint ( XXXX ). I will not allow these actions to go unnoticed by the public and others. 

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 2020-11-14
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 is missing that should be on the report

Complaint:
Please put this account back on, these were accidentally deleted. 
XXXX  XXXX XXXX  XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details. 
Hide Details | View your Report | View your credit score Deleted + 'icon ' Deleted After Before Close XXXX  XXXX XXXX  Account Name XXXX Account Number Credit card Account Type Individual Responsibility XX/XX/XXXX Date Opened Paid, Closed/Never late. 
Status Updated XX/XX/XXXX XXXX XXXX Monthly Payment {$300.00} Credit Limit {$370.00} Highest Balance NA Terms XX/XX/XXXX On Record Until - Balance Updated - - Recent Payment Amount PAYMENT HISTORY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: EQUIFAX, INC.
State: AZ
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, XXXX XXXX have contacted XXXX on multiple occasions to make them aware of false information on my credit report. Ive asked for these inquiries to be removed, being that I have no recollection of inquiring with any of the companies listed below nor did I authorize these inquiries. 

- XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I would like these removed immediately as you are recording to my credit false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: WELLS FARGO & COMPANY
State: WI
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 charged the annual fee ( {$170.00} ) on my Wells Fargo credit card last XX/XX/2019. I called and asked them what my options were for closing my account so I didn't have to pay the annual fee. They told me I could 'product change ' my credit card to the no-annual-fee version of the card. I agree and told them I would like to change it. 

They opened the no-annual-fee card, but now I noticed they did a 'balance transfer ' of the annual fee from the old card to this new card. I didn't realize this has happened and just logged into my account now to see the charge. I have also been getting charged interest on the fee since XX/XX/2019, so the charge it now up to {$190.00}. 

I asked them if they would remove the fee and all interest charges from my new card, since it is a no-annual-fee card, I am not sure why the prior fee got balanced transferred over to this new card. They refuse to help 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