BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-09
Company: Experian Information Solutions Inc.
State: FL
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 am trying to correct some information on my Experian Credit Report. Their website is very misleading and they try to trick me into taking out a membership where you have to pay a monthly fee for. I have been trying to log in/create an account to dispute credit inaccuracies and I am not able to do so. The site keeps stating that my password is incorrect even after several attempts to reset it. I try to submit documents to verify my identity and I get a message that my documents were discarded. I try to call the phone number listed on the site and I am not able to get in contact with anyone for assistance. Again the automated phone system refers me to the dysfunctional site.

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 2022-09-14
Company: Credit Karma, LLC
State: NC
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:
I would constantly get pre approved credit offers and guarantees bring approved and always running my credit which lowered my score and never gotten approved for anything more times than know

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
LAEVIEW LOAN SERVICING is collecting {$5.00} dollars in my account because I did my payment in XX/XX/2020 and my dispute is because They do not explain me nothing about this charge the only explain was that is their rule. 
My payment is on time is not past due.

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 2019-10-25
Company: Navient Solutions, LLC.
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:
Navient is reporting to the credit bureaus every month that my payments are 90-120 days late. I checked with them and I do not owe anything to them for several more months because I am in deferment. I disputed this with XXXX  and they changed it to reflect an even worse and more incorrect payment history. Attempted to contact navient regarding the issue and they said they couldn't help me with credit reporting issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
Can not register my card after buying it for {$2.00} and adding {$32.00} to it as prepaid. Also, the card will not make online payments and I have no way to get my {$32.00} back!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT I HAVE NOTICED SOME INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I HAVE NO IDEA HOW SOMEONE COULD GET INTO MY CREDIT AND DO SUCH DAMAGE BUT PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-05
Company: Fidelity National Financial, Inc
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX has been collecting payments since the origination of the note 2005 XXXX XXXX does not have signed account servicing agreement for them to service XXXX XXXX is owned by Fidelity Title Fidelity Title owns XXXX XXXX That creates a conflict of interest

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2020 TransUnion has an incorrect phone number on their website that I called and I was told to call this number by XXXX. When I called the correct number that XXXX had given me that everything was the same and told TransUnion about the situation they hung up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Experian Information Solutions Inc.
State: GA
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 sent certified first class letters to Experian National Consumer Assistance Center on XX/XX/2020 to dispute my personal information, inquiries, and the account ( s ) that should be closed and deleted due to the accounts moving to collections. The only thing that was changed was the inquiries. I was sent a letter saying that they will not reinvestigate the items I requested to be deleted because they were verified. The accounts that I am asking to be deleted are closed and should not still be reporting on my credit report. Thank you.

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 2016-03-03
Company: KEYCORP
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Key Bank Collection Settlement called and asked to set up a payment plan because my loan had defaulted ( I did not default, I filed for bankruptcy and was told that immediately defaults this loan ). I agreed to making a regular monthly payment. I have repeatedly asked for a statement with the current balance and payment history and have not received one for months, although I continue sending payment for fear of defaulting. I believe my right is to receive written notice of the balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: AES/PHEAA
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Fedloan Servicing, a Department of Education Servicer stated that my student loan payments in XXXX 2016 and XXXX 2016 were returned due to " insufficient funds. '' This is not accurate since bank statements in XXXX, XXXX, and XXXX 2016 reflect the payment deducted from my bank account and never returned. In addition, there were zero insufficient fund ( s ) fees attributed to my bank account. I have provided full monthly bank statements to Fedloan Servicing and was told each time that the documentation was not thorough. My calls were escalated to a supervisor named " XXXX '' ( employee id # XXXX ) who stated all that was required was full monthly bank statements indicating all debits/credits including the deduction of my student loan payment during these months. Recently, XXXX stated the processing department would more than likely deny the bank statements since they did not include full account balances. The bank I use does not provide full account balances on their monthly statements. I provided the necessary documentation originally requested and have complied with all requirements. The bank statements for the months in question prove the student loan was deducted from my bank account and never returned. There are zero insufficient fund ( s ) deductions as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have XXXX issues with Equity Accelerator program offered by LoanCare : Issue # 1 : I closed my account with LoanCare on XX/XX/2016 ( see first enclosed letter ). When I closed my account, there was a remaining account balance of {$3200.00}. According to a LoanCare customer service representative, a check for this amount was mailed to me on XX/XX/2016. The customer service representative said the check should arrive in 7-10 business days. It has been over 10 business days, and I have not received the check. I contacted LoanCare again on XX/XX/XXXX to ask for a status on my check. The customer service representative said I should wait for two more days, and that she would contact me to verify that I received my check. She never called back and I did n't receive the check. I contacted LoanCare again on XX/XX/XXXX. This time I was told to call back on Friday, XX/XX/XXXX and request to be reimbursed one more time. 
In the meantime, I have a mortgage payment due on XX/XX/XXXX and was planning on using the reimbursement check from LoanCare to pay my mortgage. I 'm running out of time. Can you help me please? 
Issue # 2 : According to an LoanCare customer service representative, a check was mailed to me on XX/XX/XXXX and then again on XX/XX/XXXX for an agreement reached between XXXX XXXX and the Consumer Financial Protection Bureau ( CFPB ) regarding unfair/misleading practices ( see second enclosed letter ). I never received this check. I sent an e-mail to the LoanCare Redress Administrator and received a response that it 's too late to receive this check and that I should contact the CFPB.

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 2020-04-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am requesting the removal of all Fraud Alerts from my credit report. I am trying to buy a car and I can not access my credit file with the Freeze/Alert on it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX DOB XXXX SS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Comerica
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Im on government XXXX and receives XXXX a month for the past two years now all of a sudden this might someone has taken {$430.00} out of my money for no reason and no one that handles my funds can you give me a reason why because everybody Ive talked to the attorney general and even Social Security people have no idea of whats going on and they keep just telling me its nothing they can do. I recently just had a XXXX XXXX XXXX  and I need I have to pay for medicine and other expenses including my rent and now I cant even afford it and Im leaving the hospital here in within two days with no funds in order to pay my rent, Even the supervisors has giving me different stories on who has the money and what can be done pretty much nothing can you please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: ProCollect, Inc.
State: MS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is a deb for the person named " XXXX XXXX '', but my name is " XXXX XXXX ''. Somehow they put this debt to my social security number. I never lived in that apartment that generated the debt. Called the debt collect within 30 days of receiving the debt in 2014, but they were very rude.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I had a mortgage with XXXX XXXX XXXX that was sold to Carrington Mortgage Services. Carrington then contacted me via phone regarding their " no out of pocket '' /no cost rate reduction program that would lower my interest rate and payment. When I inquired " why '' /how they made money, the rep indicated that they wanted a portfolio of people paying their mortgage to increase the investment value of the company. He also continued to stress that this would be better than a traditional refinance, because I would avoid costs, appraisals, etc. He often said we needed to act quickly to lock in the rising rates - and so he could send over the disclosure for me to sign. I asked for a breakdown on the payment ( P & I vs. Escrow ) and he did not supply. Also, there was never a mention of additional costs/fees/etc - only that my payment would decrease. When I looked at his recap - I noted he had added on XXXX {$7000.00} to the current value of my loan - without ever having been mentioned. I questioned this - and he explained there was a FHA insurance fee rolled in. I did not go forward with the refinance - but, am concerned that others may be deceived.

Company response to consumer: Closed
Consumer complaint received 2015-08-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian would not let me send them documents to support my dispute with them, they report XXXX XXXX and XXXX on my Credit Report which XXXX were under consent report issued by the FTC and CFPB and would not remove these phony debts even thought they were sent to them by mail by my husband

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
According to a rep with XXXXXXXX XXXX XXXXXXXX, remaining funds in XXXX account ending in 1960 sent to Wells Fargo in the amount of {$140.00} as part of a fraud claim. XXXX stated, as per instructions from Wells Fargo, any remaining funds to be sent to Wells Fargo as part of fraud claim..I reached out to a XXXXXXXX XXXX  manager with Wells Fargo executive office in XXXX XXXX he stated check from XXXX in that amount was rejected back, never cashed, Wells Fargo does not accept partial payments.. The fraud claim amount is {$690.00}, {$140.00} does not cover claim, rejected back to XXXX. I attempted to resolve issue with XXXX, advised him I had spoken with XXXX and was advised of the above, he claims Wells Fargo needs to change their instructions regarding fraud claim to allow funds sent to myself. .A prior CFPB complaint was filed in re against Wells Fargo XXXX rep replying on their behalf refused to take action. Most recently, I attempted to reach back out to XXXX XXXX, messages left, none returned. However, XXXX can be reached at XXXX, should Wells Fargo have questions. Complaints marked as duplicate which are not will be resubmitted here and other agencies

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 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my 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 2015-08-06
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i went XXXX hospital er in XX/XX/XXXX was treated did not have ins. informed the intake person tha i could go to XXXX if that was a problem they said it was ok because of my condition the hospital resolved my bill. now its XX/XX/XXXX check my credit there is a bill from a company called procollect for {$940.00} i call they tell me it from a physicians emergency care i tell them i have never heard of these people nor have i ever received a statement/ bill of any kind, they say dont care pay or will destroy your credit ask for itemized bill they refuse. i called XXXX they tell me they no longer do business with physicians emergency care because of their wrongful billing of patients. in fact they were contract doctors and tHey are now out of business filed bankruptcy sold their portfolio to a third party and cant be found. PRO-COLLECT IS ILLEGALLY TRYING TO COLLECT ON ILLEGAL BILLING STATEMENTS THAT ARE TOTALLY FALSE AND WITHOUT MERIT. I AM ASKING THAT PRO-COLLECT REMOVE THIS COLLECTION ITEM FROM MY CREDIT AS THIS BREAKS ALL FDC PRACTICES AND LAWS

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company XXXX Carrington Mortgage XXXX sent out XXXX Premium Insurance payments to the wrong insurance company and will not get our money refunded back into our account. Our escrow showing negative which has made our house payment go up. All we want is our money refunded and put back into out account. We have lived in our house about 14 Months and have had about XXXX Insurance checks go out, when only XXXX should have gone out for this years Insurance Premium. When we signed papers for our home, our title company paid the first years Premium so the only check that should have went out was this years Premium XXXX which was sent to the wrong insurance company ). Also, in the process of all this my homeowners insurance was cancelled twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In early XXXX of 2020 due to the fall of the stock market, which was affected by COVID-19, I called a Wells Fargo plan specialist to rollover my Wells Fargo 401K to an existing Wells Fargo IRA Time Account to avoid money being lost. A few days later, I checked my accounts online and saw a new saving account opened without my knowledge even thought I had never requested for a new account. I have called them numerous times to demand this account to be closed but to no avail.

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 2022-08-04
Company: EQUIFAX, INC.
State: IL
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 feel taken advantage of since my disputes are being ignored! I have previously disputed this account, as it is evident that you are reporting false information. The opened date, the last reported date, and the last active date are incorrect!!! You fail to even verify this account!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: Comerica
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
This complaint is against US Direct Express. The website is constantly down and many people are constantly having trouble accessing / using their money via debit card. I am deaf and can not call to complain but per many users on various websites, the phone lines are also constantly down. If this company can not do a better job then the US Treasury dept needs to find another company to handle our SS and XXXX payments / money. I live on {$1100.00} XXXX per month and I am always out of food by the next check so if I can not access my money then I go hungry. This is not right. I have bills that I need to pay online but can not access my money so I end up paying late charges. There are problems every single month. Google " problems with US Direct Express '' and you will see that there are thousands upon thousands of people who have the same problems / experience I have every month. The poorest of the poor are being denied access to their only pitiful little source of income. For some this can be a life or death situation. It is time someone did something to fix the problems.

Company response to consumer: Closed with explanation