BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-14
Company: Midwest Recovery Systems
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Midwest Recovery Systems, I have had a collection from this firm removed several times from my XXXX, XXXX and XXXX credit files. First I have no knowledge of this debt and they never prove it accurate, next they continue to change dates of first delinquency so the credit agencies will allow it to report. Each time it is removed, they report it again months or even years later and just report a different first date of delinquency so that it will show up. This started in XX/XX/XXXX and 9 years later they continue, including again this week, thus once again sinking my credit scores will I once again wait for the CB 's to investigate and delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have submitted various pieces of evidence to these companies showing these accounts were frauduent or incorrect. I have been dealing with this for several months, and the agencies are using illegal practices not reviewing my information and documentation. They have also claimed they never received my letters, or simply tried to verify them throught the E-OSCAR system. My credit has suffered as a result, and I am making you all aware before I seek counsel against these agencies for the distress this has caused 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 2018-07-03
Company: Ameritech Financial
State: IN
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:
I signed up with Ameritech Financial to help with loan forgiveness. XX/XX/2017 the first payment of XXXX was drafted from my account. There has been XXXX drafted every month since then. 

I also signed up with student loan services that drafted XXXX every month since that time as well. 

I received a letter from the Federal Trade Commission stating that there was a lawsuit with Ameritech Financial and that I should cancel my account with them. I emailed Ameritech Financial on XX/XX/XXXX regarding the lawsuit and inquiring about cancelling my account. 

I will be calling my financial institution as well to put a hold on the withdrawals from Ameritech Financial as well as XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$510.00} XXXX  XXXX {$720.00} XXXX XXXX {$240.00} DPT EDXXXX XXXX {$4200.00}

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 2019-08-25
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We did not receive any information that our Jr. loan was a balloon mortgage ; we had no notification that it was coming to maturity ( whatever that means ). We didn't know what a balloon even was. We have our payments automatically drafted out of our accounts and in XXXX I received a text that we are behind on payments which confused me because all payments were drafted automatically. I immediately called Mr. Cooper to find our what was going on and what was a balloon. The explanation given that is what we signed up for it 15 years ago. First of all, once a balloon was explained to us, we would have never agreed to pay in full what was left on the loan. No way would we ever agree to pay {$17000.00} in one payment. I asked them why I wasn't mailed a letter or notified this was going to happen the first XXXX. Mr. Cooper stated that they sent emails and listed on our account. The only physical letter I received was that our Sr. loan payment was going up starting in XXXX, so I let our bank know. We didn't receive any communication on the smaller loan until I received a text saying we are delinquent on our loan payment and to call. That's when I called and found out we had a balloon loan and what it was. They told there is nothing they can do except sell my home and use the equity to pay off the loan. I shred with them that's not an option. I asked if there was way to continue to pay as we have been for the past 15 years and they said no. My complaint is that I didn't receive anything paper or email ; but they sure knew how to text me when I was delinquent on paying {$17000.00} on the spot. Now we are in a situation of losing our home ; not an option! I don't have any papers or emails to send to attach to this complaint because we didn't receive anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Through the loan application process, we were denied without reason by Wells Fargo. Once asked, they didn't specify or provided the right documentation from the application. They also didn't offer an alternative program once the application was denied.

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 2018-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
For the past 12 months I have faithfully watched my credit scores fluctuate up and down. I paid off all creditors between XX/XX/XXXX and XX/XX/XXXX. My score, slowly rose to a XXXX ( XXXX ) and XXXX ( Transunion ). I unfortunately was unable to establish and maintain gainful employment of no fault of my own which forced me to file bankruptcy, which gravely effected my credit. Even after my bankruptcy, I did not attempt to obtain credit. My credit score slowly increased to XXXX for both Transunion and XXXX. In XX/XX/XXXX it dropped drastically.It dropped 92 points for XXXX and 91 points for Transunion. It stayed this way over a course of 3 months for Transunion and then made a drastic leap from XXXX to XXXX. For XXXX, it increased from XXXX to XXXX. My score remained consistent for XXXX   four months ( XX/XX/XXXX-XX/XX/XXXX ) and then took a sudden plunge. My student loan was given a year deferment in XX/XX/XXXX or XX/XX/XXXX. Just recently my scores dropped suddenly. My score dropped tremendously for both companies ... Transunion ( -XXXX ) and XXXX ( -XXXX ) .It seems that no matter what I have done to do the right thing and stay afloat, XXXX and Transunion has continuously made attempts to damage my credit profile. They do as they please concerning credit scores. In addition, I have been one of the many individuals that have been apart of XXXX 's failure to protect my very vital information. I want my credit scores refurbished. I have worked hard and refrained from being in debt to anyone for anything. This seems to be a another practice against XXXX Americans ability to establish, maintain, and grow in socio-economics. There is no way you can explain how one incident dropped my credit score! I have one deragatory mark on both credit reports. I only owe student loans. I want my credit repaired immediately. This is a blatant financial attack on me and others like me that strive and still are faced with injustices at the hand of businesses that would see our demise.

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 2018-12-16
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:
I have been the victim of identity theft the following accounts were opened by someone else : 1 ) XXXX Acct # XXXX XXXX ) XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
HIPAA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT APPEARED ON MY TRANSUNION CREDIT REPORT DUE TO ID THEFT / CRA VIOLATION LATE PAYMENT THAT I NEVER LATE / TOO MANY DIFFERENT NAME, ADDRESS, AND INQUIRIES NOT AUTHORIZED BY 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 2018-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX XXXX XXXX credit card was sold to XXXXXXXX XXXX XXXX. XXXX XXXX XXXX sold the XXXX XXXX credit card account to XXXX XXXX. It was XXXX XXXX who settled my account with me, comments on my account should be paid and settled account. Paid charge off.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I called Bank of America on XX/XX/XXXX and asked them to close one of my credit card accounts. After being transferred twice, I spoke to a person in XXXX, GA and she had the ability to close my credit card line. However, while speaking with her, I told her to close the line and she asked for a reason, and I told her I didn't want the card anymore. Well this was not good enough because she continued to stall and ask probing questions about why I wanted to close. She continued to probe and tell me it would take a little bit longer and she was almost done. Then she ask me about my current revolving debt, and knew then she just pulled my credit report which I didn't authorize. I told her yes I have other accounts, and I am using them and to close my credit card. She agreed and said it was closed. We hung up. 

Two days after on Monday XX/XX/XXXX, my spouse tried to use our other ( travel ) credit card with Bank of America, and it would not work. I decided to call Bank of America and I found out they closed the wrong credit card account. I don't know how closing the wrong account was possible, since I confirmed the closing account number 3 times. So to correct the error made on Bank of America 's part, I had to re-apply for credit to include consenting to new disclosures and pulling a new credit report. I feel that Bank of America is pulling credit excessively and I should not pay for the bank 's error in closing the wrong account. 

I would be very careful of Bank of America, as they do not have controls in place to prevent errors, or void errors, without the borrower paying for it.

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 2019-02-14
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
We had an auto loan through Wells Fargo. The vehicle was paid off in 2017. Im trying to trade it in towards a new vehicle and it is still showing that there is a lien on the vehicle. Ive been calling Wells Fargo for 4 days trying to get a lien release letter sent to the car dealership and they keep giving me a different answer every time I call

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 2018-07-02
Company: Navient Solutions, LLC.
State: NY
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:
1. I applied for consolidation with Navient on XX/XX/XXXX. In the instructions for completing loan application and the Loan Application and Promissory, it explicitly states : under Borrower Understandings, Certifications, and Authorizations that " applying for a Direct Consolidation Loan and The U.S. Dept. of Education ( ED ) will provide me with the deadline by which I must notify ED if I want to cancel the Direct Consolidation Loan '' I was never notified of the deadline, Navient can not provide me with a copy of this notice. This has been going on for over two years. To further support, I have copies of letters from Navient to me stating " we are please to have been selected by the US Dept. of Education to service your student loans. '' The loans are listed with interest rates but the new interest rate is not specified, nor are the words loan consolidation. These letters are dated XX/XX/XXXX, the same date as the Consolidation Application. Then, 2. Also dated XX/XX/XXXX, I get a letter regarding repayment options, there is no Revised Pay as you Earn ( REPAYE ) offered in that letter. 
3. In a letter from Navient on XX/XX/XXXX, they make several allegations that do not comply with their own documentation. They say I had 10 days to cancel the Loan Summary Letter. There is no 10 day cancellation notification in this or any other letter dated XX/XX/XXXX because there is no letter on that date. Letters were dated XX/XX/XXXX and make no mention of cancellation or he new interest rate. 
4. Within months of the consolidation, the amount of the loan ballooned from {$48000.00} to over {$60000.00} and Navient laughed over the phone and couldn't explain why. 
To recap 1. Navient consolidated the loans without my permission and they repeatedly lied about documentation notifying me of cancellation. I have documentation to back everything up.

2. They never offered the REPAYE. And they lied about dates it was offered.

3. They refused to unconsolidate the loans and pretty much said there was nothing they could do.

4. They can not explain the exhorbitant interest rates applied to the loan that increased the debt by {$12000.00} in a matter of months 5. It has been 2-1/2 years and I am still looking for answers. I have exhausted and tried all avenues and no matter what I say, do or show, logic and common sense does not seem to prevail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The mortgage company returned {$1200.00} around XX/XX/18, stating that it was due to partial payment. I then sent {$2100.00} to Wells Fargo on XX/XX/XXXX, delivered XX/XX/XXXX Via on-line banking and it was returned electronically to my bank XX/XX/18 {$1100.00} XXXX  XXXX XXXX and {$1000.00} to XXXX XXXX XXXX XXXX XXXX. I then sent {$2000.00} via on-line banking on XX/XX/2018. So far that has not been returned but I received a statement overdue payments are from XX/XX/18-XX/XX/18. Attached are all the payments that I have made for 24 months which includes the dates in question. I am now receiving communications from law firms regarding a sale of my property and a phone call from a gentleman ( XXXX XXXX on XX/XX/18 who wants to give me papers from the XXXX XXXX XXXX office ( voicemail was left ). I have not received any correspondence regarding the official sale of property.

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: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian is reporting inaccurate information and according to the FCRA everything that is that is reported on the credit report must be 100 percent accurate. Looking at my credit report and a response from the debt collector there is 2 different open dates.XXXX XXXX XXXX XXXX states that the account was sent to their office on XX/XX/2017 but it is reporting on Experian that it was open on XX/XX/2017

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 2021-03-30
Company: Global Equity Finance, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We started a refinance with XXXX XXXX at Global Equity Finance back in XXXX of XXXX. Paid out of pocket for appraisal and a foundation engineering certificate, at a cost of over {$1000.00}. We were told we were locked into a 3.5 % interest rate. 

Months go by, we have to re-submit documents and pay stubs, I had to do three seperate conference calls with our current lender to verify there has been no late payments in the last 12 months. Two of these calls were in the same month! Also I was advised 3 months in a row to not pay the mortgage to our current lender, because our refi was " closing this month ''. So, including this month I had four late charges I had to pay for. We were very dilligent about getting anything they asked for as quickly as possible.

Finally, five months later, I was told we were clear to close on XX/XX/XXXX. But the closing disclosure that we E-signed had a rate at 3.625 instead of the promised 3.5. I call XXXX and he informed me our debt ratio caused this. I reluctantly accepted that and just wanted to be done with this whole mess, so we went ahead and E-signed the closing disclosure at a 3.625 rate. 

I was told to meet up with the Notary at XXXX XXXX  on XX/XX/XXXX to sign the hard copies of our loan. So, I happily was driving to meet said Notary to do so, and at about XXXX I get a call from XXXX XXXX, who said he was a supervisor at Global Equity and he tells me I can not sign today, and they moved our interest to a 4.5 %!!!! This was 30 minutes prior to signing, while I was driving to meet the notary!!!! How can my rate keep changing, especially after I E-signed on a XXXX XXXX And literally minutes before signing the hard copies???? After XXXX  months of being strung along to boot. 

This company has caused my Wife and I a great deal of stress, and money loss. The {$870.00} appraisal does us no good now, as they are only good for 120 days. That's 10 days from today. 

I informed XXXX by phone I will be submitting this complaint with you, and followed up with an Email to him and XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-18
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX SSN : XXXX D.O.B. : XX/XX/XXXX Credit bureau XXXX, XXXX, Equifax According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately.

Thank you for your prompt assistance in this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: TRANSWORLD SYSTEMS INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account number XXXX is appearing on my credit report. Please remove from my credit reports. Mailed several attempts to company to validate debt and nothing has happened. I want a validation and verification that it is my account

Company response to consumer: Closed with explanation