BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-29
Company: WELLS FARGO & COMPANY
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/XXXX To whom it may concern : The purpose of this letter is to report wrongdoing by Wells Fargo that has caused financial hardships and adverse credit standing for me since XX/XX/XXXX. I have been in contact with Wells Fargo about a business credit card payment error where their online payment system processed a payment transaction resulting in a double payment on XX/XX/XXXX. 

Since I am retired and have a fixed income there was not sufficient funds available to pay Wells Fargo the XX/XX/XXXX payment due to the previous monthy payment being double the amount so XXXX payment was not paid. Wells Fargo contacted me and said that I would have to pay two payments for XX/XX/XXXX to make the account current. I managed to make a double payment in XX/XX/XXXX and they refunded the missed payment fee and made some adjustments. I asked about the effects on my personal credit score and the Wells Fargo representive said that since it was a business account that my personal credit score would not be affected. 

I checked my credit history this month and found that there was a drastic reduction of my credit score in XX/XX/XXXX. I believe the action of Wells Fargo was the reason my score dropped so much because I am current on all other accounts. My score has been low since then and I have not applied for a home equity loan, car loan or credit card as I had previously planned. Managing my credit is important to me and just when I got it up there all the planning I have done will be of no benefit this year. 

Confidence and trust in Wells Fargo is neccessary in order to do business there. I have also mailed an application to be part of a class action law suit against this company. I had not planned to do that until I learned that Wells Fargo had been untruthful to me. This happened in XX/XX/XXXX and they were still doing the multiple payment scam to others until this month. They knew about it and continued to do it. Unexcusable. 


Sincerely, Attachments :

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 2021-11-10
Company: Experian Information Solutions Inc.
State: WV
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 received two emails from XXXX XXXX about two hard inquiries. I did not authorize either of these inquiries. One inquiry is from XXXX XXXX and the other is from XXXX XXXX both took place on XX/XX/2021. When I called each bank they explained that someone had put in an application for a loan but due to this being fraud and identity theft each bank stated they will deny the application and that no money was dispensed to any person. I later proceeded to check my credit report on each credit bureau website. I am currently trying to dispute these two hard inquiries as I stated I did not authorize these loans. I did not give any person permission to use my personal information.

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 2021-11-09
Company: Experian Information Solutions Inc.
State: PA
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 recently settled an account with XXXX. The agreement was that I pay a certain amount and in exchange the account would be closed and I would no longer owe any balance on the account. This agreement was paid and settled. I have contacted Experian on a couple occasions for them to update the information to reflect the correct information that should be reporting on my credit profile. I have submitted documentation that pertains to the agreement for the account being settled. The information being reported on my credit profile in inaccurate. Experian clearly without regard to my consumer rights have violated these rights on now two separate occasions by reporting inaccurate information and falsely stating that the information was verified as accurate.

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 2018-01-29
Company: Innovis
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
2 Certified lettershave been sent to XXXX  # XXXX and XXXX   # XXXX they have refused to VALIDATED & investigate all accounts that were list on paperwork I have asked called they now state they were never sent or have recipe any CERTIFIED mail from me which is a Lie I'm now ready to file lawsuit against them for not VALIDATED proof that these accounts are my accounts and the amount they have stated I owe is true I also request a Certified copy of the True Bill as proof all updates of the Investigation shall be sent to me by email @ XXXX by XX/XX/2018 I gave them 25 days to reply and they have refused all actions I have requested them to do also I stated that a IRS Tax Lien Claim also be VALIDATED all claims have been denied from these companies to VALIDATED these claims UCC 1-308 WITHOUT PREJUDICE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Experian Information Solutions Inc.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
2 Certified lettershave been sent to XXXX # XXXX and EXPERIAN # XXXX they have refused to VALIDATED & investigate all accounts that were list on paperwork I have asked called they now state they were never sent or have recipe any CERTIFIED mail from me which is a Lie I'm now ready to file lawsuit against them for not VALIDATED proof that these accounts are my accounts and the amount they have stated I owe is true I also request a Certified copy of the True Bill as proof all updates of the Investigation shall be sent to me by email @ XXXX by XX/XX/2018 I gave them 25 days to reply and they have refused all actions I have requested them to do also I stated that a IRS Tax Lien Claim also be VALIDATED all claims have been denied from these companies to VALIDATED these claims UCC 1-308 WITHOUT PREJUDICE

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 2018-01-29
Company: Ocwen Financial Corporation
State: KS
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
1. When I agreed to the SAM mortgage change there were many months of payments being held in a suspense account. I was told by Ocwen 's agent that those payments would be credited to the account and to the mortgage balance. The mortgage balance at the time was approximately 140k. The new amount was over 150k because they were charging me for the money they had in suspense. It was never corrected. The real SAM mortgage balance should have been the app.140k minus the principal amounts in the suspense account, minus the mortgage forgiveness. 

2. I last had to turn to the CFPB for help with inaccuracies in my escrow account. At that time the agent from Ocwen informed me due to earlier corrections in my account that I was a payment ahead. We agreed that I wanted that it to remain that I was a payment ahead. Now, I see that I am not a payment ahead, have not missed a payment and want to know where that payment went.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: AFNI INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am in the process of repairing and building positive credit. During this process I requested a debt validation letter from AFNI who is reporting a debt of {$3700.00} from the original creditor XXXX on my credit report. I sent the letter priority mail XX/XX/XXXX to XXXX XXXX XXXXXXXX, XXXX, IL XXXX and have not received a response. It has surpassed thirty ( 30 ) days and this is a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
NET CREDIT refused to give me a consumer and natural person their own credit and used a deceptive scoring system to deny me my own credit. 15 U.S. Code 1692- Congressional findings and declaration of purpose covers this violation as i natural person am operating under full faith and credit. This deceptive practice will need to be corrected immediately as this violates my federally protected right which are above any polices and procedures that NET CREDIT might try and use as a excuse for the deception Notice, it is a fact, affiant is aware, I have exercised my rights in good faith and I have reason to believe and do so believe I have been wrongfully discriminated against by NET CREDIT, violating 15U.S.Code 1691 ( a ) ( 3 ). 

XXXX XXXX XXXX UCC1-308 Attorney in Fact

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My mortgage was one of the thousands of mortgages caught up In Countrywide Fraudlent Mortgage Practices '' The law firm working with Countrywide was Disbarred for his fraudlent practices. 
I have spent thousands if dollars defending my home and my Credit records. 
I have and also have paid several attornies who have also requested under RESPA- FDIC and other documentations Such as QWR from these companies who now claim they own this fraudulent mortgage. 
On XX/XX/2016 I mailed another request by certified mail # XXXX to all addresses listed for XXXX with only an acknowledgement letter from them stating that they have received my request but still no other response was received from them. 
Now they have listed a whopping {$760000.00} Balance on my Credit report with XXXX   and other reporting agencies. 
Which I have DISPUTED but it is still listed on my account XXXX have not sent me any proof from the company to justify them having it remaining on my Credit report. 
Please note also that this DISPUTED mortgage have been dismissed in the XXXX XXXX Court Once by the court and second by XXXX who withdrew their case after the court ordered us to go to mediation of which they stated ( at mediation ) that they showed up at the mediation only because they were ordered by the Judge XXXX, but have no intent of trying to work out anything. ( They did not act in good faith ) made me waist my money and time as I had to pay half of the mediationvfees along with attorney fees 0as well ) Then they filed the enclosed motion withdrawing their case. ( see enclosed ) Please have this company remove this false reporting from my Credit Report which is causing me GREAT HARM. 
Thank you 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 2021-02-16
Company: SYNCHRONY FINANCIAL
State: PA
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:
My personal information was compromised and fraudulent accounts were opened in my name without my consent. I notified the creditor than Im a victim of fraud and the creditor agreed to remove this account from my reports. After several disputes attempts, creditor still hasnt removed this erroneous account from my credit reports. 

SYNCB/XXXX  : {$2700.00} Date Opened : 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 2021-08-20
Company: Experian Information Solutions Inc.
State: MO
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 proved XXXX XXXX was falsely reporting to the credit bureaus with a receipt i gave to them from my email clearly showing I paid and the balance at the time of the receipt I found was hundreds less than what they were saying. Because of the lying it should be off my report. You would have to be XXXX to not see it .Period!!!! They didnt fix it what so ever. Its experian who is falsely reporting it now and my dispute is with them

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 2021-08-05
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 information incorrect

Complaint:
I demand the CFPB to hold Equifax accountable for these inaccurate accounts being furnished to my credit report. I have recently sent Equifax the challenge letter attached below. This letter answers any questions they might have and will enable them to delete both of these account swiftly. These inaccurate accounts listed below are causing me unnecessary injury and damages. If Equifax fails to delete these accounts in less than 30 days, I hereby demand they provide me documentation and transcripts via the mail of all correspondence, calls, texts, and emails used to verify this alleged account information. Include proof of any such mailing with my USPS tracking number in response to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
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: Account status incorrect

Complaint:
I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 60 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 60 days late. There was an error on their part. I was never 60 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Promotion for opening account included {$200.00} ( 20,000 points ) when you spend {$750.00} in the first 3 months. It also stated that the first {$500.00} will get 5X points and everything else will get 1X points. I spent {$3000.00} on the card in the first 3 months. I received the 20,000 points and then 3000 points ( 1X on dollar spent ). It should have been 20,000 points + 2500 points ( 5X first {$500.00} ) + 2500 points ( 1X remaining {$2500.00} ). I already received 23,000 points ( 1X on full {$3000.00} ). I made multiple attempts to remedy this with them, but it is always escalated to the rewards department, however, I never receive a response from them and the points are never updated properly.

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 2018-01-29
Company: Galaxy Capital Acquisitions, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing this complaint because it has come to my attention from XXXX XXXX that improper reporting has occurred and that I should contact Galaxy International Purchasing , LLC. Also, according to XXXX XXXX they have no rights over the alleged debt, XXXX  ( Galaxy International Purchasing , LLC ) does. I sent out a Debt Validation letter on XX/XX/XXXX, I have not received anything back from XXXX. I sent the same letter to XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The only thing I have received is statements and print screen of application, which does not validate the debt. It is hard to communicate with this company as regarding XXXX and XXXX XXXX if they do not respond back as I only do written correspondence. Lastly, according to Illinois Department of Financial & Professional Regulation, Galaxy International Purchasing , LLC does NOT have a license to collect in Illinois. I got letters from XXXX XXXX dated, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX stating the alleged debt was sold to XXXX, I moved to Illinois in XX/XX/XXXX and I made sure that XXXX XXXX was aware of it. I also made my payment for this debt in XX/XX/XXXX when I was living in Illinois to XXXX XXXX XXXX  which settled the account to paid in full settled. Stated in a previous CFPB complaint that XXXX does not report nor does XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Navient Solutions, LLC.
State: IL
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:
On XX/XX/2017, I completed a Income-Driven Repayment request. I was notified on XX/XX/17 by Navient that they were unable to process due to the application not being signed. This is completely untrue as I did sign the application. On XX/XX/17, I again signed the application and faxed to back to Navient. I followed up with then in early XX/XX/XXXX to be told that the application was being processed and it would take 14-21 days to be approved. Today, i logged on to see the status and I have heard nothing and see that they have listed my account as past due. I called them and spoke with XXXX and he stated that I need to resubmit an application as I was notified in XX/XX/XXXX that the application was unsigned. I explained to him that I already signed the app and refaxed another signed application. He told me to hold. He came back on the line and stated that he does see my signed application and that he would send it back over for processing. In the meantime, he wants me to fill out a forbearance application so that my account can be brought current. He advised that the fees will be added to my loan balance. Why are these fees my responsibility, for NAvient 's error? He could not answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-21
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
After recently reviewing my credit report, I took notice that the above-mentioned account is currently in Charge Off status. I sincerely would like to take care of this account as soon as possible. 
Due to temporary financial difficulties, I unfortunately got behind on my payments and was unable to meet my obligations. 
However, since then my situation has greatly improved and I am in the position to recompense this debt. 
I am willing to pay AMERICAN EXPRESS 12 payments a month equalling the amount of {$6800.00} provided that the above account is updated on all credit reporting agencies to state : PAID AS AGREED, or completely removed from all creditreporting agencies upon my final payment. 
I am not agreeing to an updated credit report that states this account as : PAID CHARGE OFF or the like, as this will not significantly increase my credit score, nor will it reflect my sincere willingness to restore my good name and hopefully, someday, again do business with your company.

Company response to consumer: Closed with explanation