BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-06
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: Their investigation did not fix an error on your report

Complaint:
I have been disputing this account since XXXX of XXXX and the account has been verified by XXXX  and Experian multiple times, yet each time they have verified it, they have also altered information, amounts and dates, making the account appear as newer than it truly is. 

I have requested information from Experian, XXXX  and XXXX XXXX XXXX, requesting they provide the information they are using to verify the account and they have ignored my request every single time. Experian and XXXX  just keep altering the information on the report even though the information was verified as accurate in the previous dispute. With each update, they have caused my credit scores to drop significantly because of the inaccurate information they have been reporting. 

I just recently learned of the CFPB being available to report Experian and XXXX  to, I wish I had known sooner. I was under the impression they were consumer protectors as well. I have not been able to be approved for student loans while I was going to school and have missed two semesters since. It seems absurd they could have access to your credit and cause such damage that literally impacts you and your childrens lives so negatively. 

I have kept records throughout the process, copies of certified letters, receipt of those letters and responses in the updating that was done. The most recent response was altered again and is still reporting inaccuracies and violations. 
No Credit Limits reported Inaccurate High Credit Limits No Closed Dates Closed Dates were actually removed Date of Last Activity has been updated to appear newer Date of Last Payment has been updated to appear as newer It was not a paid collection Date of First Delinquency has been altered The Date of First Major Delinquency was updated to XX/XX/XXXX The Date of First Major Delinquency was JUST changed to XX/XX/XXXX Experian and XXXX  have ignored my requests to provide the verification information available XXXX XXXX XXXX  has ignored my requests for information on this account None of the reporting agencies have provided any information on this account, yet they keep changing it after they reported each previous time the account was verified. XXXX removed the account from my report due to the inaccurate 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 non-monetary relief
Consumer complaint received 2022-09-23
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
Capitol One used information from my father instead of me and declined me saying I was deceased. My FICO score is negatively impacted and I have an inquiry on account, but inexperience representatives keep asking me to reapply, or telling me to call XXXX after I explain that XXXX has fixed everything but inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
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: Their investigation did not fix an error on your report

Complaint:
XXXX  XXXX XXXX XXXX XXXX forcibly sold me Gap insurance not just through my insurance but also through the lender contract just like buying an extended warranty. They charged me {$4900.00} for this insurance and guaranteed if the car should ever get totaled I would owe nothing. As it turns out the car was totaled and during that time XXXX  XXXX XXXX XXXX XXXX Merged with XXXX XXXX XXXX XXXX and refused to honor the Gap coverage that I bought because they said that I never turned in the claim. A total lie I turned in the claim four times. I have been fighting this for that last four years and I am fed up I am seeking legal counsel and suing the Credit Unions and the credit reporting agencies Because we don't have a business reporting account. The Credit Agencies due very little to look into this issue and resolve unfair credit practices. Causing lives to be ruined by their lack of care and professionalism.

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 2016-11-18
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am writing yet another complaint against Wells Fargo Home Mortgage. Recently I asked Wells Fargo about a mortgage modification packet I submitted in courton XXXX XXXX, 2011, via their attorney XXXX XXXX, an employeeof XXXX XXXX XXXX XXXX. I submitted the documents in court because I wanted a record of the documents being submitted. I even went as far as asking the Magistrate if the Attorney could look over the documents to make sure everything was filled out correctly which she stated, " It appears so. '' The Magistrate gave Wells Fargo 100 to 120 days to complete their end of the dealbut they never did. After numerous calls, I was told that it was lost and to just fill out another packet because it expired anyway. Now, Wells Fargo is stating that they never received any modification documents from their Attorney and that I never submitted any documents in court so my question to you, Wells Fargo, is, how do you explain the journal entry from the Magistrate that clearly states that I submitted documents for consideration on my mortgage modification? 

My next questionpertains to XXXX XXXX 's signature on my mortgage papers. When Wells Fargo purchased my loan, the paper work was signed off by XXXX XXXX, the XXXX of XXXX XXXX XXXX , XXXX . I 'm not surethat signature is authentic. After reading about Wells Fargo 's ex-employee XXXX XXXX XXXX, while in a New York Bankruptcy court, openly admit to signing XXXX documents for Wells Fargo, It further solidified my thoughts aboutXXXX signature on my mortgage documents.After seeing what I believe is an authentic signature of XXXX XXXX, Ithink the signature on my mortgage documents is a fake. I believe I am in possession of XXXX authentic signature and it looks nothing like the signature on my paper work. I am not going to submit a copy of the court document since I do n't have XXXX permission but I will submit a document to show how I came into possession of XXXX signature.I also read your manual on creating missingdocuments and frankly, I 'm appalled.Can you verify that XXXX XXXX 's signature is authentic? Can you show proof like another document withhis signature on it? I 'm sure my mortgage was n't the only mortgage purchased from 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 2016-05-03
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells fargo denied my loan modification based on inaccurate information .Theu claimed I have a transportation expense when indeed when the correction of that was relayed via overnight certified mail and verbally to their home retention unit and XXXX XXXX month ago.Without a transportation expense I most certainly do qualify to get this modified taking XXXX % of the rents ( {$1300.00} ) by wells fargos models ( with this trANSPORTATION expense backed out would certainly cover a hypothetical 30 year note payment at market intrest with aggragate balanced arrearage owed included.Enough is Enough.wELLS IS LOOKING IN EVERY WAY TO STOP THIS MODIFICATION FROM HAPPENING.

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 2016-08-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XXXX/XXXX/XXXX I applied for a loan with Chase Auto Finance. On XXXX/XXXX/XXXX I received a phone call from the Chase loan representative named XXXX indicating the loan was approved with an interest rate of 6.9 %. XXXX stated she would need the sale documentation from the dealership to finalize the loan and release funds. Due to not finalizing the purchase price of the 2015 Chevrolet Sonic Lt we stated we would proceed tomorrow to close the loan. I called on XXXX/XXXX/XXXX to finalize the loan and was told the interest rate now has changed from 6.9 % to 8.24 %. This is deceptive unethical business practice. I was told the call was being recorded when the initial offer was made with the 6.9 % interest rate for the used auto. The loan representative did not give me a clear answer as to why the interest rate has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I paid {$8200.00} in interest payments to XXXX XXXX on my 30 Year fixed rate mortgage. In XXXX I paid {$7200.00} in interest to XXXX. In XXXX, I paid a total of {$7500.00} in interest, an increase over XXXX XXXX amount of {$310.00}. XXXX took over servicing my mortgage in XXXX of XXXX. XXXX has provided accounting for their interest collected through the first 3 months, which reflected decreasing interest payments I sent written notice to XXXX of this interest paid increase in XXXX on XX/XX/XXXX. To date they have not responded to address why my overall interest payments increased in XXXX, when based on prior year payments, should have decreased by over {$1000.00}.

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 2021-08-25
Company: EQUIFAX, INC.
State: MD
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:
Equifax have violated my consumer rights. According to 15 USC 1692g and 15 USC 1681i ( 5 ) ( B ) ( ii ) ( iii ) Equifax have reinserted negative items onto my credit report illegally. I demand that the negative items that was previously removed be deleted and blocked. It is illegal for Equifax to keep the negative accounts from XXXX XXXX on my file without any written notice of reinsertion. I know my laws and I will make sure they are enforced. Attached is my credit report from last month and this month to show the accounts was not there in XXXX but is there in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Nelnet, Inc.
State: GA
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:
Nelnet has been continuously negligent by providing false information on numerous occasions. IN CFPB Case XXXX Response they failed to answer FCRA legal request and provided incorrect loan payment amounts. Payment amount in case was stated as a higher amount than due on website. This is illegal under FDCPA by trying to collect more than is due at any given time. Nelnet has continually breached it's Federal Contract, provided misinterpreted, misleading, and incorrect information. It has reported incorrect information to CRAs repeatedly. The CFPB and Department of Education continue to ignore this gross misconduct even when provided with information from solved disputes from CRAs where Nelnet was at fault of giving incorrect information, evidence of negligence and collusion, evidence of slight and intentional negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: SOUTHWEST COLLECTION SERVICES INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Southwest Collection Agency , Inc has falsified and used doctored invoices to collect money and interest charges and failed to provide verification. They have threatened that these charges were reviewed by their attorneys and lawful and will take legal actions. 
I have tried to settle the debt by paying off the half of the amount that I did not owe out of fear that the interest will accrue. After speaking with others and learned that what they are doing is unlawful. I questioned the validity of this debt that they are demanding they became enraged with hostility and used vulgarities and obscene languages and stated this will continuously grow and XXXX up my credit. 

I have then contacted the rental car company, however ; they stated that they made the mistake not knowing the laws sending it to this collection agency which is not allowing the rental car company to cancel or dismiss it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Professional Placement Services, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received my credit report and disputed this item with the collection agency. I moved to Arizona on XX/XX/XXXX with my daughter ; however, there are medical bills with the date of service XX/XX/XXXX. My daughter who is still a minor has always resided with me ; therefore, I didn't understand why I would have received a bill for services for her in Wisconsin while living in AZ. When I contacted XXXX XXXX, they had a wrong address and phone number listed for me ( I've had the same number since XX/XX/XXXX ). They updated the information when I requested proof and they sent me statements informing that I needed to pay.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My complaint is regarding two companies known as Paramount Recovery AND XXXX  Hospital their contact information is listed below. I was a victim of identity theft and the account was proven to be not opened by me, and it was removed from all 3 credit credit reports in XX/XX/2019. An identity Fraud alert has been placed on all my credit files yet the company tried now to use the another agency to place the same account on my XXXX  credit file. This is not my account and i want it removed from my XXXX   files permanently Paramount Recovery S Opened XX/XX/2019 {$490.00} Original creditor : XXXX  HOSP Creditor Information PARAMOUNT RECOVERY S XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX IDENTITY THEFT COMPLAINT XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: PNC Bank N.A.
State: NE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our home mortgage was sold to PNC Mortgage. We 've never received a monthly statement. Just a coupon book with 12 coupons, each showing the amount of our payment and the date due. Is n't PNC required to send out monthly statements with the information about our balance due?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: National Credit Adjusters, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Fraud report placed on my account. I did not apply for a loan. It was also sold to a 3rd party company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Santander Consumer USA Holdings Inc.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchase a vehicle in XX/XX/XXXX my payments started XX/XX/XXXX. My car note is {$230.00}. I make two payments each month to equal my due amount. I have always been a month ahead. My first payment was made on XX/XX/XXXX {$130.00} then XXXX XXXX {$130.00} which made my XXXX payment. XX/XX/XXXX {$130.00} and XX/XX/XXXX {$130.00}. Which was for XXXX payment that was paid in full. I called on XX/XX/XXXX since the IVR stated my due date was XXXX with an incorrect balance due of {$260.00} and should have been {$130.00}. At this time CSR stated they would have this corrected and sent to the account team to correct the information. I then made my payment of {$130.00} on XX/XX/XXXX and then {$130.00} on XX/XX/XXXX for XXXX. I then again had to call for the same reason and was told the same thing that this would be corrected. Made payment {$130.00} on XX/XX/XXXX and {$130.00} XX/XX/XXXX for XXXX payment and again for the 3rd time had to call for the same reason and again told this would be corrected. Payment {$130.00} on XX/XX/XXXX and {$130.00} on XX/XX/XXXX for XXXX and this time my account was correct. Payment {$130.00} on XX/XX/XXXX and {$130.00} on XX/XX/XXXX for XXXX and again my account information was correct. At this time I thought my account was finally corrected until I made a payment {$130.00} on XX/XX/XXXX and {$130.00} on XX/XX/XXXX for XXXX here again for the 4th time i had to call to for the same reason to get my account corrected as i am a month ahead on my payments. I asked why this continues to happen and the CSR stated i would need to call to let them know that my payments are for the month ahead. I thought this was ridiculous and a hassle to do. I told the CSR I should not have to call to make sure they do their job correct. She stated that she would add a note to my account that my payments needs to be applied to the next month. So I thought this would fix my issue with my lender. Today XXXX I make a payment for XXXX due date and the IVR stated my due date was XX/XX/XXXX this will be my XXXX time calling to correct my account as this payment is not for XXXX. This will be the 1st partial payment for XXXX. Lender Name is Santander Consumer USA. 

Thank you for your time and help. Very much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: OK
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Lied about owner of school skipping town to XXXX and heed all records and the federal government was looking for him when I asked for copy of any and all school records told them I was filling for loan discharge they told me it did n't matter that the apps would be thrown in trash by the student loan people. I sent three apps in with a time span of 4 to 6 weeks of weighting for a response from the student loan pepole For each one. None came sent letter to student loan people reporting the story I was giving to them.as well asking about the loan discharge apps I sent threw the collections agincy.there response was that they are very Thorel in keeping records and had no record of receiving any apps from me and stated that there was no evidence of illegal activity going on with the school. This happened many years a go.I had no one to turn to or new what to do so I complied and continued to pay and I 'm still paying.there was not any thing done about my complaint to the student loan pepole.it was forgotten.I have been paying them money under false and miss leading information for years now.the collection agency never sent the apps to the student loan pepole.

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 2021-08-25
Company: WESTERN UNION COMPANY, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had XXXX tryin to get my money from westenunion for the pass 5.1/2 month for the amount of {$670.00} cent.the deposit was {$710.00} but they cash it and that's it's the amount naw of {$670.00} cent.they had liey to me on deferens occasion abaute sendden me a check.i also call social security becuse they tell me after all them liey that they send the money back to the sender and No. Another liey.i want my money Naw I also lost my residence becuse of it.please get back to me at sonn a possible.my name is XXXX XXXX.thank u.

Company response to consumer: Closed with explanation