BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-10
Company: CORELOGIC 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:
I applied for XXXX loan and have several inquiries where they tried to get others to approve me-with out my knowledge or concent. I 'm having trouble getting them removed. Personal Loans Cos. XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing XXXX Inquiry : XX/XX/XXXX + Miscellaneous Reptg. AgencieXXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies Mail Order Firms XXXX  Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XXXX XXXX, XXXX + All Banks XXXX XXXX Inquiry : XXXX XXXX, XXXX + Mail Order Firms XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX  Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + All Banks XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + All Banks XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + All Banks Collections

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
See attached document Chase is refusing to credit me money that was stolen from me after I was pickpocketed and robbed while on vacation in XXXX XXXX. 

The criminals were able to use my login credentials and used my XXXX, XXXX XXXX, and XXXX accounts to make unauthorized transactions. 

Chase refuses to help me out despite this, even after writing a XXXX page report detailing what happened the night I was victimized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I applied for the WF Cash Wise Credit Card and got approved on the same day. After 5 business days, I received the credit card and tried to activate it online but it will not let me so I called the number on the front of the card. I was told that that I had ti visit a branch in order to activate it. This was a surprise to me as I had never have to go to a bank branch to activate any credit card for the past 30+ years. I XXXX the WF credit card online and was surprised how many complaints this company had over this card. Anyway, I called up the next day, lunchtime, and spoke with XXXX, and asked her to close my account as I am not longer interested in using it. To my amazement, she told me that I am not able to close the card as I had to go to the branch to close it. I am fuming mad by this deceptiveness and want to file a complaint to this bank so that everyone can see what a big scam this is.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: NJ
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 filed disputes with Experian to rectify negative information on my credit report. Accounts that are old, inaccurate and should have been removed from account are instead being updated as collections and charge offs showing that I owe past due amounts which is incorrect. These negative marks on my credit report not only hinder me financially but as Experian continues to update these accounts the age of the accounts reflects a newer date which in turn keeps this reporting from ever aging off my report. This is fraudulent activity and also violates the CARES act.

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 2017-07-10
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: Account status incorrect

Complaint:
Written Equifax Credit several time about a medical bill but it has never but disputer dispute me sending cert. mail and fax letter and phone calls this company refuse to address my concerns. example of last letter sent : Mail Equifax XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, GA XXXX Phone XXXX XXXX Dispute XXXX XXXX XXXX This was my State treating doctor for my XXXX  injury, 1997 When I was hurt on the job at XXXX XXXX XXXX XXXX XXXX was my treating doctor. Under State Law a treating injury doctor should bill my job due to the nature of my injury under XXXX XXXX. This is a XXXX bill due to state regulation. Therefore, I am requesting this item to be remove due to the fact XXXX pass my medical bill due to injury by the State of Texas Please attach statement

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
These problems with the Credit Reporting companies were previously reported and CFPB reported that the Credit Reporting companies were contacted and offered responses and my Complaint was now CLOSED. The Credit Reporting companies did not corrected or removed the incorrect information ; ( 1 ). Adverse Accounts " XXXX XXXX '' ( 2 ). Satisfactory Accounts " XXXX XXXX / XXXX XXXX '' the account was closed in XXXX however the company did not post it CLOSED until XXXX the Credit Companies are reporting an ok Rating from XXXX thru XXXX. This account has been requested to be removed many times. I truly would like these issues corrected once and for all I do not appreciate having to continue to file Complaints for issues that CFPB has claimed were addressed and corrected. Even with an attorney I have been unable to get the Credit Reporting companies to properly address and correct the issues. It appear that I may be forced to seek justice in a Federal Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
These problems with the Credit Reporting companies were previously reported and CFPB reported that the Credit Reporting companies were contacted and offered responses and my Complaint was now CLOSED. The Credit Reporting companies did not corrected or removed the incorrect information ; ( 1 ). Adverse Accounts " XXXX XXXX '' ( 2 ). Satisfactory Accounts " XXXX XXXX / XXXX XXXX '' the account was closed in XX/XX/XXXX however the company did not post it CLOSED untilXX/XX/XXXX the Credit Companies are reporting an ok Rating from XX/XX/XXXXthru XX/XX/XXXX. This account has been requested to be removed many times. I truly would like these issues corrected once and for all I do not appreciate having to continue to file Complaints for issues that CFPB has claimed were addressed and corrected. Even with an attorney I have been unable to get the Credit Reporting companies to properly address and correct the issues. It appear that I may be forced to seek justice in a Federal Court.

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 2017-07-10
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a promotion email from Wells Fargo on Tue, XXXX XXXX, 2017. In summary, the promotion is, spend {$10.00} on the App Store or XXXX using my Wells Fargo credit or debit card and earn a {$10.00} statement credit. <P/>I enrolled the promotion and spent eligible purchase but have not received the {$10.00} statement credit. I contacted Wells Fargo directly but received only generic and template emails. <P/>Wells Fargo stated that I did enroll successfully but my purchase has not met their requirement. In order to receive the statement credit, I need to purchase with XXXX devices. <P/>However, there is no statement of the XXXX device on the fine prints explaining the promotion. I 've attached the email and secure messages between Wells Fargo and me. <P/>I sent the promotion email that I received from Wells Fargo as a proof/evidence but they did not even read my email and replied back to me with template email.

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 2017-07-10
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: Old information reappears or never goes away

Complaint:
Between XXXX XXXX2017 and XXXX XXXX2017 Equifax removed XXXX XXXX XXXX collection account and XXXX XXXX XXXX XXXX collection account. I was not notified that they would be re-adding these collections to my credit report and by them adding these collections back on, they are hindering my home buying process. They also removed all inquiries and has now readded them back on. They are in clear violation of the FCRA. They also deleted the correct spelling of my name which is XXXX XXXX, they deleted all my accounts that were reporting such as XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. They removed the XXXX XXXX inquiriy which almost resulted in my checking & savings account being closed and they removed my correct address XXXX XXXX XXXX XXXXXXXX Last but not least I have two new accounts open which are XXXX and XXXX XXXX and I need those to not be removed as they will result in XXXX XXXX closing my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: TOWNE MORTGAGE COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It started off that we are unable to make a payment, including additional principal, online. Each month we call to make the payment over the phone so we can add additional principal and they give us a hard time because we can't do it online. They have told us the only way we can pay over the phone is if we pay a {$9.00} fee each month, which would be fine if it wasn't for the fact that the entire reason for the issue is because they can't seem to get there website fixed. This has been an ongoing issue since may of this year when we paid our first payment. We have notified them of the issue on numerous occasions only to be told we are doing something wrong. 
They also will not speak to my wife, who is a borrower on the loan, because they say she is " unauthorized '' to transact business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: NRA Group, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection account of {$700.00} from the collection agency listed as National Recovery Agency. I have contacted the agency by phone calls, emails and certified mail asking for debt verification and for the account to be removed from my account. I have also disputed this account with the three credit bureaus. I have been unsuccessful and this collection is extremely hurting my credit score and now my livelihood ; I have been denied housing and transportation because of this false account.

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 2017-11-14
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX submitted a complete modification package to Ocwen ON XXXX-2017. Ocwen is refusing to review his file .Our office called the Ombudsman  department and they refused to look into the matter .there is no tangible reason why OCWEN is not reviewing the file .They are refusing to give a qualified homeowner the opportunity to say his home .XXXX XXXX feels as if he is being discriminated against based on his race, ethnicity, and national origin .Ocwen is sitting on a complete loan modification package. There is no reason for this type of negligence. By unreasonably and unnecessarily delaying his modification request, he continues to get farther and farther behind on his mortgage payments. Practically speaking, it can only be inferred that Ocwen is pushing him farther into delinquency and foreclosure. By Ocwen refusing to consider XXXX XXXX requests in a timely manner, they are negating any opportunity for him to save the home. They are denying him the workout request based on inaccurate information and refusing to take remedial steps to provide a him with a solution. The events described above are just a sample of the practices that are taking place at Ocwen. Ocwen appears to be more interested in foreclosing on his home and fire selling it at auction to make a profit. It appears that XXXX lack of participation in a meaningful modification review of his file indicates a preference to profit directly from XXXX XXXX hardships. 
XXXX XXXX is demanding the Ocwen review his file or he will file a complaint in district court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Nelnet, Inc.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Hello. I am submitting this complaint in order to help the CFPB identify a systemic problem with student loans. In this regard, the use of penalties by student loan companies are predatory and excessive. I recently had a student loan payment due on XX/XX/XXXX for the amount of {$200.00}. I fully admit I was late on this payment by a duration of approximately two hours. My loan servicor, XXXX, immediately penalized me for being late. I fully acknowledge the responsibility of paying my loans and the fines that may come with a late payment. However, the fine placed another {$200.00} which brought my actual payment to {$410.00}. This penalty, in my view, is completely excessive and obscene. It follows a disheartening trend of student loan companies taking advantage of young graduates and students who simply want to gain an education to better their lives and the world around them. Millenials on average have starting salaries 20 % lower than preceding generations, while saddled with more debt as well. This is a systemic issue. I understand if I get no reprieve from Nelnet over this. However, I would like the CFPB to at least investigate the extreme level of punishment that is levied on post-graduates such as myself, for being even an a couple hours late. There is no logical reasoning, for doubling my payment for paying my debt two hours past the deadline. I do what I can to make sure I can meet my financial  needs each month and this has put a serious strain on my ability to stay financially solvent as I prepare my budget for bills going into XX/XX/XXXX, when I will inevitably have to pay another {$200.00} payment on the XX/XX/XXXX. I hope you can look into this and ultimately resolve the issue of loan servicors preying on post-graduates such as myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Experian Information Solutions 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:
On XX/XX/XXXX I sent a certified mailing letter ( XXXX XXXX XXXX XXXX XXXX ) to Experian requesting the procedures for verifying an account with XXXX XXXX XXXX XXXX on my report. I had previously sent a validation letter to XXXX XXXX and they had been unable to show proof that the debt belongs to me. As a result, I wanted to know how Experian was able to verify the debt and I could n't. 

Experian has never responded to me. It has been beyond 45 days from the date they 've received the letter, delivered XX/XX/XXXX. 

This is a clear violation of the Fair Credit Reporting Act and Experian should be held accountable for non-compliance.

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 2019-08-03
Company: Avant Credit Corporation
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Loan was paid off by a Credit Counseling Agency- XXXX in 2018.  XXXX paid the amount due provided by XXXX.  However XXXX still shows a balance of XXXX on my credit report. They show the amount on time, but will not remove it from my credit report. I have contacted them several times. They will not respond to me.  There is NO balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: JPMORGAN CHASE & CO.
State: NY
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:
I have had a Home equity loan from Chase Bank since XX/XX/XXXX ( interest only payments until XX/XX/XXXX ). InXX/XX/XXXX it converted to interest and principal payments ( the monthly payment nearly doubled ).
As I was now retired on a fixed income at that time, the new higher payments were a struggle to make. I applied to Chase for a loan modification. This process was to say the least, agonizingly slow and laborious.
However, after many months the modification was approved and my new monthly payment was reduced by half making it very affordable and putting my mind at ease.
<P/>
But here 's the problem. From XX/XX/XXXX to XX/XX/XXXX the payments were getting ahead of me. I started to fall behind while waiting for the modification from Chase to come through. When I could I would go to the local branch of Chase and make payments of {$1000.00} dollars. In one of many phone conversations with the modification officer working my case, I mentioned making these payments. He said I did n't have to do that. He stated that any unpaid balance would be assimilated in to the modified loan. So I stopped making those payments.
<P/>
The modification was approved and I entered the 3 month trial payment period. Having made those trial payments on time, the final new modified loan was approved. And in deed, the previous balance was assimilated in to the new loan and the account show current.
<P/>
Now, here 's the rub. It seems that during the 3 month ( XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX) trial period those payments did not go directly towards the loan balance. I 'm assuming they went in to some kind of holding account until the trial period was over. And, indeed that is what happened. But meanwhile the bank reported that not only were there late payments from XX/XX/XXXXto XX/XX/XXXX but they also reported as late, the trial period payments ( XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX) even though they were made on time.
<P/>
My credit rating has since gone downhill now. I have written to Chase and even contacted the local Chase branch manger to try and correct this problem. According to the Credit bureaus I 've contacted, this type of dispute has to be corrected by the bank.
The bank has replied basically saying " Tough luck '' I 'm a XXXX year old XXXX  Veteran. I may not have 7 years to wait for the credit report to " self '' clean the information.
<P/>
I 'm at a loss as to how and try to fix this problem. I WAS TOLD by the bank that I did n't have to make those payments and then they XXXX me ( and I 'm guessing a lot of others too ) by giving me a bad credit rating with no effort to fix it.
<P/>
I 'm at a loss!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a vehicle financed through TD Auto Finance ( formerly Chrysler ). I tried to get them to refinance the loan due to the high payments and me being unemployed at the time. They refused, I took the vehicle to the location that I purchased it from and let them know that they could pick it up form there. The vehicle was auctioned off and the remaining balance was charged off to the tune of {$10000.00} in 2011. Every other month they list the account as Open and add {$20.00} or so dollars to the balance. I have had XXXX XXXX to try to get this corrected and even filed disputes with the credit bureaus. They still add charges to the account. This is the original creditor, they have not sold the debt to a collector and they have made no attempts to contact me. I offered them {$500.00} as a settlement and they would not accept it. They did let me know that the balance is around {$1000.00} when I called them. I just do not understand how they can keep adding to the balance and the account was charged off 6 years ago and they have not attempted to contact me. They have invested no resources into trying to remain in contact with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX XXXX AUTO LOAN XXXX DAILING THIS ACCOUNT TO ALL CREDIT BUREAUS, ESPECIALLY XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief