BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-10
Company: WELLS FARGO & COMPANY
State: DE
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have a private loan that I am own without a cosigner. There have be two separate instances where Wells Fargo has called others in my family ( Wife and Mother ) besides myself looking for me. I have never given permission for others to be contacted and both do not understand how they were even contacted since they are not on my loan.

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 2018-02-05
Company: EQUIFAX, INC.
State: FL
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:
I had a product through Equifax that they discontinued, they did not tell me that this was happening, I called when I tried to log in and was informed by website that I had no monitoring product. The first person I spoke with said that my payment had been denied, then gave me credit cards ran for payment that were not mine, the second person was less helpful, I spoke to a manager and she told me that the product that I had had been discontinued and offered me a product that was similar for the same price, this person also had the correct credit cards for billing.

So she signed me up but I was unable to log in, she opened a trouble ticket with their support team. Seven days later i called back and spoke with a very snippy person who told me that it had not been 10 days and to call back. I was completely frustrated. I asked for a manager and was told NO. Two days later my payment had been credited back to my acct and MY EQUIFAX SCORE HAD DROPPED 60 POINTS. My score for the other agencies dropped by 5 points for a couple of new credit inquiries. 
I WILL NEVER DO BUSINESS WITH EQUIFAX AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
For the past two years I have been attempting to have my credit information corrected on Equifax, XXXX and XXXX. Ive placed fraud locks on these accounts as well due to stolen identity years ago. 

1. My name ( spelling of ) and so called aliases are not correct - false 2. Addresses to which I supposedly lived over the years are incorrect - theyre wrong and false 3. Im also listed as being in the military which is NOT true either.

These credit agencies refuse to accept information over phone but ask that you fax important and private i.e dob, ssn and driver license. I have been compromised financially and identity theft and advised them as such. No one is willing to correct this information and get it off my records Theyve at lease five different names under my ssn - please help me correcting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
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 sent several letters to Experian, XXXX  and XXXX  to resolve this matter. They continue to report inaccurate address, and misreporting information on my credit report. The accounts continue to report inaccuracies and they are not responding to my disputes

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 2020-07-06
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I filed a previous complaint # XXXX. This complaint was apparently closed without proper research, no one apparently even bothered to look at the attached bills or contact the insurance company XXXX XXXX XXXX XXXX, or XXXX XXXX XXXX XXXX. Amerisave claimed in the complaint that the insurance policy was paid in full, it is not. In my opinion Amerisave must have relied of their obviously flawed closing documents, never even reading the attached bills. 

I HAVE NOW RECEIVED A NOTICE OF CANCELLATION FOR MY HOMEOWNER 'S POLICY. 

An escrow account was set up at closing, and I have continued to pay toward this escrow with every mortgage payment since.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
N accordance with the fair credit reporting act XXXX accounts Has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23
Company: DK, Consulting, Inc dba Huntington Financial Services
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
HF Services XXXX XXXX XXXX XXXX XXXX XXXX. XXXX randomly called people with my last name until they found a family member and then lied and gave a bogus reason for them to call me. They told my brother I filed a insurance claim for unlivable conditions. It ended up being a debt that was included in a bankruptcy years ago and its a collection firm trying to collect a old debt. I spoke to XXXX who was an absolute XXXX and broke many FDCPA laws and made multiple violations. He threatened to file litigation if I didnt pay the debt within a hour. He called family members and gave personal information and lied to them to get me to call under false pretenses. He refused to transfer me to a supervisor after I repeatedly told him he was breaking the law by doing, and saying what he was. He hung up on me two times when I called back to speak to his supervisor. Even when I told him it was against FDCPA to call family members randomly and give them personal information, refuse to let me speak to his supervisor, and threaten litigation when hes not actually about to do it, he just got a attitude and hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
See attatched XXXX Report of XX/XX/XXXX ERRORS INVESTIGATED HAVE NOT BEEN FIXED. see attatched XXXX Letter of XX/XX/XXXX CONFIRMING XXXX mastercard credit card ending XXXX was settled XX/XX/XXXX AS DELIQUENT ACCOUNT. See attatched XXXX mastercard STATEMENT of XX/XX/XXXX ending XXXX OOOPPS HOW DID THIS POP OPEN AT THE SAME TIME XXXX SETTLED AND DELIQUENT ACCOUNT. XXXX WOULD NOT OPEN AN ACCOUNT WHEN DELIQUENT?? WOULD THEY?? I DID NOT OPEN THIS ACCOUNT. See attatched XXXX CREDIT CARD FRAUD CLAIM VISA card ending XXXX date XX/XX/XXXX UNAUTHORIZED TRANSACTIONS {$470.00}. I DID NOT OPEN THIS ACCOUNT EITHER. XXXX DID WHEN MCs became XXXX XXXX. I WAS UNAWARE UNTIL FRAUD NEVER RESOLVED ON ACCOUNTS I DID NOT OPEN BEGINNING XX/XX/XXXX. XXXX HAS NOT YET CREDITED THIS FRAUD OF TWO 1/2 YEARS. I DEMAND MY DRS LICENSE TO OPEN & ORIGINAL SIGNATURE OF WHO OPENED THE ACCOUNTS AFTER CARD XXXX Settled XX/XX/XXXX BE VERIFIED OR ACCOUNTS DELETED.

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 2020-05-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
See attatched XXXX Report of XX/XX/XXXX ERRORS INVESTIGATED HAVE NOT BEEN FIXED. see attatched USAA Letter of XX/XX/XXXX CONFIRMING USAA mastercard credit card ending XXXX was settled XX/XX/XXXX AS DELIQUENT ACCOUNT. See attatched USAA mastercard STATEMENT of XX/XX/XXXX ending XXXX OOOPPS HOW DID THIS POP OPEN AT THE SAME TIME XXXX SETTLED AND DELIQUENT ACCOUNT. USAA WOULD NOT OPEN AN ACCOUNT WHEN DELIQUENT?? WOULD THEY?? I DID NOT OPEN THIS ACCOUNT. See attatched USAA CREDIT CARD FRAUD CLAIM VISA card ending XXXX date XX/XX/XXXX UNAUTHORIZED TRANSACTIONS {$470.00}. I DID NOT OPEN THIS ACCOUNT EITHER. USAA DID WHEN MCs became VISA XXXX. I WAS UNAWARE UNTIL FRAUD NEVER RESOLVED ON ACCOUNTS I DID NOT OPEN BEGINNING XX/XX/XXXX. USAA HAS NOT YET CREDITED THIS FRAUD OF XXXX XXXX YEARS. I DEMAND MY DRS LICENSE TO OPEN & ORIGINAL SIGNATURE OF WHO OPENED THE ACCOUNTS AFTER CARD XXXX Settled XX/XX/XXXX BE VERIFIED OR ACCOUNTS DELETED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: EQUIFAX, INC.
State: AZ
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 following accounts and credit inquiries are all fraudulent accounts and credit inquiries, some of the fraudulent accounts and credit inquiries are from the XX/XX/XXXX Equifax data breach : XXXX   XXXX XXXX XXXX, {$25000.00}, XXXX XXXX XXXX XXXX, {$3200.00}, XXXX XXXX XXXX XXXX, {$6100.00}, XXXX XXXX  XXXX XXXX, {$30000.00}, XXXX, XXXX, {$26000.00}, XXXX XXXX XXXX XXXX, {$8500.00}, XXXX XXXX XXXX XXXX, {$37000.00}, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX , XX/XX/XXXX, XXXX XXXX XXXX XXXX , XX/XX/XXXX, XXXX XXXX XXXX XXXX , XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: MIDFIRST BANK
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
When I completed Vio Bank 's online application process for a " HIGH YIELD ONLINE SAVINGS '' account ( at XXXX XXXX XXXXwww.viobank.comXXXX  XXXX, I got the following message : Unfortunately, we can not process your application. 
For assistance, please contact us at XXXX. 

When I called that number and spoke to XXXX ( sp? ) and XXXX, they both said they could not provide a reason for my rejection. However, I told them I needed to know because it may be an issue that I could correct, such as a credit freeze ( which is on my account because of past attempts to steal my identity ). I know I do not have a credit freeze on XXXX, but am unsure about XXXX  or XXXX. I told XXXX that, under the Equal Credit Opportunity Act ( ECOA ), Vio Bank is required to tell me the specific reason [ my ] application was rejected. However, she adamantly refused to provide those reason ( s ) [ either orally or in writing ].

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 2019-08-21
Company: Conn's, Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Conns Home plus issued me personal loan for appliances. I make payments weekly. I called in to request statements for my loan to show not only payment history but, how my weekly payments are being applied ( interest and principle ). I was told that due to the accounting rule 78 and having the type of loan I have ( verified it is an interest-bearing loan ) they are unable to provide a breakdown of how my payments are being applied. I have never had a loan where a statement is not supplied. I was told that I have a 0 % APR at the time of purchase in store but told over the phone that I have a 29 % APR. This now brings UDAAP into question. I am seeking the assistance of the CFPB to obtain statements showing how my payments are being applied, and what my actual interest rate is. Detailed payment history is not provided online nor upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have never received this reported Credit Card account nor ever used it. 
This account is not mine at all. 
Therefore Please clear my Record Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: RoundPoint Mortgage Servicing LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Round Point Mortgage keeps charging us the wrong amount for our town taxes, they are stating the town is at fault. Our local town clerk has all of the documentation they have send the correct tax information year over year. They raised our mortgage said we where not paying enough into our escrow account, then said we are paying to much lowered our mortgage and gave us an escrow refund check, now again they are saying we under payed and have raised our monthly payment over {$300.00} a month. They also stated our PMI was falling off in XXXX now they are telling us XXXX even thought they have documentation our the previous customer service person stating it should be falling off in XXXX. Our mortgage this year went from XXXX to XXXX which we can not afford to pay they offered to spread out the shortage over 24 months to help lower the payment. My concern is whats going to happen next year? They overcharged us thousands for taxes one year even though the town mill rate proved we would not need to pay that much in tax, will they falsely raise our taxes again next year? We will no longer be able to afford our mortgage. With the increase this year we can barely make payments already. what are our options we need help. 

thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
i filed a dispute in the beginning of the month of XXXX for items listed on my credit report that is inaccurate i have yet to hear back or receive a response, I also sent the letter certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX is showing that I owe them {$620.00} on my credit reports. I talked to them and they say I was a authorized user on this account i have never used or gave anyone permission to put me as a authorized user this is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XX/XX/XXXX, my wife and I consolidated our Direct Federal Student loans into the Federal Family Education Loan Program managed by Sallie Mae shortly after we married. Since XXXX, we have paid {$100000.00} toward the loan disbursement of {$100000.00}. Unfortunately, we still have a loan balance of {$110000.00}. 

I have been working in XXXX XXXX since XXXX. In XXXX, I learned about the Public Service Loan Forgiveness program and contacted Sallie Mae at that time inquiring of what I needed to do to qualify. I was told I needed to enroll in income-based repayment plan and make 120 payments. I enrolled in IBR plan in XX/XX/XXXX, despite seeing an increase in my monthly payments, with expectation of having my student loans forgiven in XXXX. I have since had monthly payments directly debited from my checking account every month WITHOUT missing a single payment over the last 9 years. 

Fast forward to present and I recently learned the FFELP joint consolidation loan my wife and I have is not eligible for PSLF program, despite us both having Federal Direct loans that would otherwise qualify for the program. I applied for Direct Loan Consolidation with XXXX in order to qualify for PSLF and received notice this week that my application was denied because the FFELP joint consolidation " may not be included in a federal student loan consolidation ''. I reached out to Navient and again told FFELP and joint consolidation loans are not eligible for PSLF program. 

What's really sad is we are literally " stuck '' in this FFELP loan. At this point, we have no options to allow us to refinance. 

This is an issue that needs to be addressed ASAP. Any help you can provide in getting this fixed will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: MS
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : TN CHILD SUPPORT XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
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: Their investigation did not fix an error on your report

Complaint:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report.I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation