BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-04
Company: Experian Information Solutions Inc.
State: NV
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I Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2017-11-22
Company: AES/PHEAA
State: MD
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:
FedLoan Servicing is miscalculating payments in order to increase its profits at the great detriment of the borrower. By way of example, note that a payment made on my account on XX/XX/XXXX, was assessed {$46.00} in interest - in other words, per diem interest for Saturday, Sunday, and Monday. That payment was correctly processed. I subsequently made payments on Tuesday, Wednesday, Thursday, and Friday of that week such that no interest would carry over into the weekend. Accordingly, one would expect that an identical payment made on Monday, XX/XX/XXXX, would result in, at a minimum, the same interest payment, or more likely a smaller interest charge - not with FedLoan Servicing. They improperly assessed an interest charge of {$46.00} without explanation, notice, or legal authority. Upon information and belief, they have been cheating borrowers in this and similar manners for years. All inquiries for explanation have been ignored. Please investigate. 

/s/ XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: Big Picture Loans, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I received an offer in the mail from Big picture loans and applied using their website on XX/XX/2017.  After being approved, I was provided with the rate and terms which were as follows. 

{$720.00} loan with an estimated APR of 558.4082 % and a monthly payment of XXXX for 13 months. 

This morning I received an email stating that my loan was being processed and I sent this responce. DO NOT PROCEED WITH THIS LOAN REQUEST!!!! 
I have no intention of utilizing your services regarding this loan as the rates quoted at the end of the loan process are at the very least predatory and more than likely criminal in nature. My experience with your firm is being forwarded to the appropriate State and Federal agencies for regulatory review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This complaint is in reference to XXXX and as of the date of this complaint I have received zero proof from the results of our investigation. This actions of Transunion has resulted in denial of credit and violate FDCPA Recap : Error was detected on my credit report and filed an investigation into the matter utilizing Transunions online dispute portal Transunion dispute submitted on XX/XX/2020 Written dispute sent directly with the company ( XXXX ) that filed the incorrect information and company has failed to response as of the date of this compliant ( Sent Several Months Ago ). 
Despite no response from the company, Transunion verified the information Transunion has a duty to validate information, not pass the burden to the consumer This consumer financial protection bureau recently levied a {$500000.00} penalty for this company for violations of the FDCPA Similar to the previous civil ligation, I have received zero correspondents from XXXX. 
Company directly submitted information to credit bureaus without notification or validation and Transunion continues to furnish and sell incorrect information which has caused negative impacts

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 2018-03-19
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a property with my ex, whom i was a co-borrower with, who filed for chapter XXXX bankruptcy in XX/XX/XXXX. He relinquished his rights to the property and I assumed responsibility of all payments. In XX/XX/XXXX I acquired the property via special warranty deed. Since XX/XX/XXXX, Freedom Mortgage has limited my access to my account and not provided me with statements. I have attached the extent of information provided on the site in the upload document section below. I have called monthly to obtain clarification and breakdowns of fee 's on my account and was told they were not able to provide me any information. As a result Freedoms lack of transparency on my account they allowed for XXXX homeowners policies to be paid out of my escrow ( XXXX policies taken out by a non owner of the property who filed bankruptcy in XX/XX/XXXX ), provided me with incorrect payment amounts, and are currently received payments and failed to apply to the account. This caused my pay off amount to be in excess of {$10000.00} due to months of un-applied payments.

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 2017-11-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
i have bean consumer for chase bank for long time. on XXXXX/XX/2010 chase closed all my account. I try very hard to know the reason. I never got the reason for that. 6 month ego friend of my. witch she open for me home equity loan. she explain to me. a company under name wide world.witch going law suit for five years. opened a account under my name. and thy do. not legal transaction. no one info me about that. I am stile have closed account. for 13 years I paying monthly payment. I asking to open my checking account my three credit card and my equity loan. I cant pay my bill. the chase bank no take cash. for me this is not easy for to pay my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
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:
I launched an investigation into XXXX XXXX XXXX reporting of a debt with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I was denied leasing with XXXX XXXX XXXX on XX/XX/XXXX. I worked for a preferred employer mployer so the application fee was waived. However, XXXX XXXX XXXX is falsely reporting this as a debt owed on report with Equifax and XXXX. THIS IS false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 AM A VICTIM OF IDENTITY THEFT WITH A POLICE REPORT SUBMITTED TO THE 3 CREDIT REPORTING AGENCIES XXXX XXXX AND TRANSUNION WITH FRAUDULENT ITEMS, LATENESSES, AND INQUIRIES THAT ARE NOT MINE THAT I CIRCLED AND SUBMITTED MY ID, FCRA SECTION 605B, CREDIT REPORT WITH CIRCLED FRAUDULENT ITEMS PLUS THE LATENESSES CAUSED FROM THESE FRAUDULENT ITEMS, NUMEROUS TIMES IN THE PAST SIX MONTHS MORE THEN ENOUGH TIME TO HAVE THOSE CIRCLED ITEMS REMOVED AND THE BUREAUS LISTED ABOVE REFUSE TO REMOVE THEM AS THEY ARE DIRECTED BY LAW. FUTHERMORE XXXX ADDED ITEMS RECENTLY AS THIS MONTH OF ITEMS THAT WAS BLOCKED FROM MY ACCOUNT ITEMS LIKE XXXX, AND XXXX XXXX XXXX XXXX, AND IGNORED THE LAW AND PUT THEM BACK ON MY CREDIT REPORT AFTER THOSE ITEMS WERE BLOCKED BECAUSE OF FRAUDULENT ITEMS IN THERE LETTER TO ME LAST XX/XX/XXXX. THEY RE-INSERTED IT ON MY FILE THIS MONTH.THESE COMPANIES REFUSE TO FOLLOW THE LAW PUT FORTH BY THE FCRA AND I WANT THEM HELD LIABLE AS TO WIT I HAVE BEEN NOT ABLE TO AQUIRE NEW CREDIT OR LOANS ON MY OWN BY THE NEGLIGENCE BY THE BUREAUS, I WILL BE FILING A LAWSUIT IF ALL THESE ITEMS CIRCLED IN MY CREDIT REPORT ARE NOT REMOVED IMMEDIATELY. I WILL FILE A FTC REPORT EVERYDAY UNTIL THEY ARE REMOVED.

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 2021-11-29
Company: I.C. System, Inc.
State: TN
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:
There is an old cell phone bill on my credit report from IC Systems. They have not proven to me with a contract with my wet signature that it is indeed my bill or that I have a contract with them and agreed to owe them anything. However, there is a FEDERAL statute of limitations of only XXXX  years regarding phone bills and reporting them. The account I did have with the phone company in the past is past the federal statute of limitations. This collection agency is breaking FEDERAL law by refusing to delete this from my report. I have disputed it more then once and they claim valid and verified and refuse to delete and have not shown me any kind of physical proof to back up their claims. As I said cell phone bills are a special case and have a statute of limitations of only XXXX years on a federal level and they are breaking federal law by not removing this. It must be deleted from my report immediately.

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 2020-05-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been in dispute with 3 energy companies regarding their bad faith practices. I was constantly in dispute requesting more information. They decided to just send it to a collection agency in lieu of providing me with information I requested. These accounts never should have been sent to collections in the first place. All three companies have agreed to cancel the collection and return it to dispute with them. All three collections should already be removed from my bureau. I went online to check with Experian. All three collections are still on my bureau AND they have decreased my score TODAY XX/XX/XXXX by 5 points WHEN NOTHING HAD CHANGED. The only thing that has happened is I filed a complaint with your company about not being able to get in touch with them AND I emailed the CEO XXXX XXXX asking for his help. THEY DECREASED MY SCORE BY 5 points in retaliation! There is no other explanation!

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 2019-05-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
one inaccurate collection is reporting under my equifax credit reporting agency, this collection does not belong to me it is called as XXXX XXXX  XXXX # XXXX ) it was opened XX/XX/2013, this account is not mine. i have disputed this inaccuracy several times and equifax is giving me a hard time, please help me to resolve this problem, i will be attaching my police report and the FTC report received, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Experian Information Solutions Inc.
State: NY
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 AM A VICTIM OF IDENTITY THEFT WITH A POLICE REPORT SUBMITTED TO THE 3 CREDIT REPORTING AGENCIES XX/XX/XXXX, EXPERIAN, AND XX/XX/XXXX WITH FRAUDULENT ITEMS, LATENESSES, AND INQUIRIES THAT ARE NOT MINE THAT I CIRCLED AND SUBMITTED MY ID, FCRA SECTION 605B, CREDIT REPORT WITH CIRCLED FRAUDULENT ITEMS PLUS THE LATENESSES CAUSED FROM THESE FRAUDULENT ITEMS, NUMEROUS TIMES IN THE PAST SIX MONTHS MORE THEN ENOUGH TIME TO HAVE THOSE CIRCLED ITEMS REMOVED AND THE BUREAUS LISTED ABOVE REFUSE TO REMOVE THEM AS THEY ARE DIRECTED BY LAW. FUTHERMORE XX/XX/XXXX ADDED ITEMS RECENTLY AS THIS MONTH OF ITEMS THAT WAS BLOCKED FROM MY ACCOUNT ITEMS LIKE XXXX, AND XXXX XXXX XXXX XXXX, AND IGNORED THE LAW AND PUT THEM BACK ON MY CREDIT REPORT AFTER THOSE ITEMS WERE BLOCKED BECAUSE OF FRAUDULENT ITEMS IN THERE LETTER TO ME LAST XX/XX/XXXX. THEY RE-INSERTED IT ON MY FILE THIS MONTH.THESE COMPANIES REFUSE TO FOLLOW THE LAW PUT FORTH BY THE FCRA AND I WANT THEM HELD LIABLE AS TO WIT I HAVE BEEN NOT ABLE TO AQUIRE NEW CREDIT OR LOANS ON MY OWN BY THE NEGLIGENCE BY THE BUREAUS, I WILL BE FILING A LAWSUIT IF ALL THESE ITEMS CIRCLED IN MY CREDIT REPORT ARE NOT REMOVED IMMEDIATELY. I WILL FILE A FTC REPORT EVERYDAY UNTIL THEY ARE REMOVED.

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 2018-02-05
Company: BlueChip Financial
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I keep getting phone calls at my job threatening me with be served and a lawsuit from XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: MoneyLion Inc.
State: FL
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:
Greetings, My name is XXXX XXXX and im submitting this complaint myself and there is no third party involved. It has come to my attention that your company MoneyLion is making a conscious effort of being willfully non-compliant of a lawful document that has been sent mailed multiple times certified mail, submitted through the CFPB multiple times, submitted the FTC, and submitted through the XXXX XXXX XXXX multiple times. These classified documents. Corporate policy does NOT AND HAS NEVER superseded federal laws of the FDCPA, Truth In Lending Act FCRA, and Title 15. The complete disregard of my lawful documents and rights will not be tolerated. My consumer rights have been violated due to various US Codes and at this point I'm a victim of harassment and abuse by MoneyLion. I will give 10 days as a courtesy for officers/employees/agents/CFO 's at your agency ( MoneyLion ) to review the documents I provided.It would be the MoneyLion legal departments best interest to do their due diligence and to settle this privately.One the enforcement of this lawful document goes into effect there will be NO further negotiations. I need to be contacted immediately regarding this matter. Attached to this complaint is a Validation of Debt, A Affidavit of Fact, Exhibits of violations of federal codes and Invoice that is due on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I mailed a dispute letter to three collection bureaus about this debt and collection agency on XX/XX/19 by certified mail. The debt came back as validated. I then reached out to the collection company directly by mail stating this is a duplicate account as the debt is also being collected by another vendor. I asked them to research it, provide proof this debt is mine, prove it is valid, and prove they have the legal authority to collect. This letter was mailed by certified mail on XX/XX/19. I received a letter on XX/XX/19 stating that my dispute is closed and XXXX XXXX XXXX said my dispute was " invalid ''. No additional information or proof the debt is mine or they are the correct collection agency was included. I called their toll free number at XXXX on XX/XX/19. I again explained two collection agencies were trying to collect the same debt and I needed some proof of who to pay. I spoke with a Mr. XXXX XXXX who failed to provide me any data. He refused to send me anything saying they were authorized to collect the debt or that the debt was even mine. I asked if I paid the other vendor will they stop collecting and he refused to answer. As I consumer I deserve to have proof the debt is legitimate and which collection agency I should be paying. He did not let me speak or leave a message for his supervisor, Mr. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX Verified complaints against Wells Fargo Mortgage Re : loan number # XXXX XXXX XXXX XXXX XXXX XXXXXXXX IA XXXX Plaintiff : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, FL XXXX On XX/XX/XXXX You sent me a letter with a projected loan balance as of XX/XX/XXXX in the principal balance amount being XXXX your court records indicate a different amount being XXXX did you forget to credit my payment made cash paid on XX/XX/XXXX specifically in reliance to the principal deposited at your XXXX XXXX XXXX XXXX in XXXX XXXX at XXXX XXXX. In Addition to that amount did your also forget to Credit me for the balance of the monies that your bank kept in escrow from the insurance Company the amount was over XXXX in relevance to Hurricane Wilma during the conception of time on/or after XX/XX/XXXX .more than 11 years ago. 

Did you notify or advised the appropriate authorities knowing that after Hurricane Wilma the insurance company that you contracted under forced placed insurance only disbursed XXXX which is less than half the amount of money that was necessary to repair the accrued damages that occurred on and in my property that exceeded XXXX worth of damages per FEMA estimate of damages consequently involved during the activities you were well aware of. Your actions placed me in a forced position to make a secured loan against my property in the amount of XXXX with the US Small Business Administration to repair damages that your insurance company was responsible to pay for but didnt. 

Further from XXXX to XXXX you have forced placed inflated unlawful hazard insurances On my property and I reserve the right to claim all those charges against you. 
XXXX XXXX XXXX. 
Wells Fargo Forced Placed Hazard Insurance Lawsuit Lenders often require that borrowers purchase hazard insurance on their property to protect creditors from situations in which an uninsured homeowners property is damaged. Most mortgage contacts allow banks to purchase this insurance at the homeowners expense for a fair price. The Wells Fargo forced placed insurance lawsuit was filed on behalf of borrowers who have allegedly been overcharged for homeowners insurance to the hidden financial benefit of the bank and its subsidiaries. hidden financial benefit of the bank and its subsidiaries. 
Further allegations against Wells Fargo include backdating the forced hazard insurance to the date the homeowners policy expired and threatening to retaliate against those who come forward with a lawsuit. Each of these practices is allegedly illegal and may create an unnecessary financial burden on individuals and families who may already be struggling financially. 



I submit this serious active complaint before the authorities involved and notified XXXX XXXX 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 2021-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
CapitalOne Credits card company. 

I have two separate credit cards with CapitalOne. 
They suddenly blocked my online account requesting more information.

I uploaded all the required legal documents and ID copies as they requested.

They assured me that they will take care of the issues within 7-10 business days.

It's almost 2.5 weeks. I have spoken to several account supervisors, and they keep on giving me the run around, going in circles, wasting my valuable time. 
No matter what I've tried, all communications lead to this same cycle of neglect, incompetence, unprofessional customer service, and complete lack of follow through. 

I am formerly complaining, because if I can't access my digital accounts online, I can not see what I owe or make the required payments, in essence, they are jeopardizing my credit. It is within my own legal rights to able to have access to my own accounts at anytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
FED LOAN SERVICING Hello, I can not reach fed loan servicing for over 2 weeks!! I have been placed on hold for an hour plus at least 4x, I have selected call back when next in line, not one call back and I have emailed 3x! I know they are selling the loans to a new lender but my payments start in XXXX and I have no idea who they are going too, and I have submitted a PSLF form that I'm unsure if they applied correctly. In addition, I have submitted 4 PSLF forms and I received a message from the US department of education that only one has been counted ( which makes no sense as I work for public schools and all have been from public schools, full time ) PLEASE HELP ME!!

Company response to consumer: Closed with non-monetary relief