BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
During Early XXXX I had a loan with XXXX which was later bought by Wells Fargo, In XXXX my house was sold in foreclosure. Multiple times Wells Fargo had me sending in documents over and over, They never gave me a modification even with all the government programs, they just had me starting the application process over and over. When the house was sold I had filed bankruptcy that morning which should've stopped the sale. At the time I had 2 mortgages with Wells Fargo. I lost my house in XX/XX/XXXX. I became homeless with a XXXX old son. I went through XXXX  XXXX. I had a house for my parents with a loan with Wells Fargo in XXXX XXXX Maryland, they lowered the interest rate on that house without my knowledge but would modify the loan I had on my primary home. It was also stated that they sold my home to a sister company of theirs. I have since seen the lawsuits against wells fargo. There were a couple times that I received about {$3000.00} check due to some type of fees, but they never modified my loan. They acknowledged the bankruptcy for the 2nd home but not my primary home. They never put a foreclosure on my credit report but they sold my house and never gave me a remodification.

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 2023-04-13
Company: Kovo
State: WA
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 signed up for Kovo Credit Builder because of their association with the app XXXX  which promises to give a {$20.00} payment if you open an account with Kovo and make 2 months of on-time payments for {$20.00} to your credit builder loan. All of this seemed fine with me so I signed up with Kovo and successfully made my two months of payments for {$20.00}, but afterwards did not really see the benefit in keeping the account open, so I wrote Kovo Customer Service and asked to have my account closed and my {$40.00} back. The customer service representative emailed back saying that they had closed my account but my {$40.00} would not be refunded because they have a 30 day money back policy and my request came after 30 days. I dont understand how this happened? If there was a stipulation like that I was not allowed to reverse my decision to close the account or even told that if I did I would be forced to lose the money I had already paid. Why would a company take your money and not even tell you if you were at risk of losing it if you decided to stop their service? What if I had put in {$100.00}? Isnt the whole point of credit builder loans to be loans that you pay in advance and then have a line of credit that you have already paid for? Why do they get to keep any money that is my money? I smell a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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: Investigation took more than 30 days

Complaint:
I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.

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 2023-04-04
Company: Experian Information Solutions 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:
There are ( 6 ) student loans being reported under XXXX  XXXX XXXX reporting inaccurate late payments. It clearly indicated on my credit report XXXX PAYMENT MONTHLY DUE. there was NEVER ANY PAYMENTS DUE ON ANY OF THESE LOANS PRIOR TO IT BEING TRANSFERRED. THESE LOANS HAVE BEEN ON MY CREDIT FILE SINCE 2010. WHICH LRGALLY IS AGAINST MY FCRA RIGHTS anything after 7 years NEEDS TO BE REMOVED FROM MY CREDIT FILE. THE INFORMATION HAS BEEN REPORTED INACCURATE SINCE 2010 PLEASE REMOVE ALL 6 ACCOUNTS AND ALL LATE PAYMENTS. THERE WAS NEVER ANY MONTHLY PAYMENT 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 2023-03-03
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
GM Financial agreed to a trade of my XXXX XXXX XXXX after they were unable to replace the battery leaving me with a subpar car that was never allowed to charge to it's fullest b/c of the fire danger. After going through a process they agreed to have me trade in my XXXX XXXX XXXX for a XXXX XXXX XXXX. The Process was fine and took place around XX/XX/XXXX. Whenever I log into my gmfinancial account, it shows my old car, and says that I am behind on payments, which doesn't make any sense. I have been caling for over a month and no one is able to figure this out. I've been told to go to the dealer, who has already been paid for the car and told me they sent in all of the paperwork. Now, I have to make car payments on a car that I don't have possession of so they don't ding my credit but I have received no assurances that my payments will go towards my new car.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$730.00} ; XXXX XXXXXXXX Balance Owed : {$660.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I attended college from XXXX and graduate school from XXXX. During that time I had XXXXXXXX XXXX XXXXXXXX loans. Im consolidated them with Great Lakes sometime between XXXX. They were bought out by Nelnet. From XXXX, I worked for several non profits. Unfortunately I didnt understand the PSLF process until it started getting a lot of press during President Bidens term. In XX/XX/2022 I applied and was approved after the required consolidation into an IDR plan manage by XXXX. The rest of my loan, around {$3600.00} was forgiven. I made years of payments over the required 120 PSLF. And I made some payments during the pandemic. XXXX told me I would get a reimbursement check from the federal government but I havent. Nelnet says they have no responsibility. FSA says Im not eligible for reimbursement because i consolidated too late in the process of making XXXX payments. But part of the PSLF waiver program that ended in XX/XX/2022, was that you wouldnt be penalized for consolidating late, you would be eligible for PSLF even though you didnt have the right type of loan when you made your XXXX payments, youd have your balance forgiven if it was under a certain threshold, and youd get reimbursed your overpayments! 
So Im writing to you to request assistance in obtaining my reimbursement which is approximately 4-5 years worth of payments. 
Thank you in advance for your assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
i have a account XXXX XXXX. I am a truck driver, i drove for XXXX XXXX XXXX this early year. XXXX XXXX XXXX gave me a check {$3800.00}, but it had not enough money, so the check returned. but XXXX XXXX XXXX gave me another check as same amount, i deposited it. and the XXXX XXXX XXXX was deducted the XXXX money. 
but the chase ask me for the XXXX XXXX XXXX phone number, then they can gave me the money. 
XXXX XXXX XXXX gave me a phone number, i told the chase, but chase said it is not the number they have in their system. 
so chase frozen my account, i have no idea, why ask XXXX XXXX XXXX phone number, i just work for them. how can i know their phone number. including my own money, i still have XXXX in the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX  XXXX XXXX A Original creditor 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I submitted a cashiers check as an online deposit on XX/XX/29. It is a CASHIER 's Check and Wells Fargo has told me the funds will not be available until XX/XX/XXXX. The issuer has already been charged the money from his account. Not sure where the funds could possibly be at this point? I have received four different answers about the delay... have filed complaints after complaints with the team only to find out different answers every time I have called as the for the nature of the delay. I have been a WF customer for over 8 years and this is just insane. Never have I ever seen a cashier 's check held up. Avoid WF with everything you have.

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 2023-07-02
Company: DISCOVER BANK
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:
Discover has been denying my payments due to an error on their end. 
My payments have been rejected by Discover since XX/XX/2023. I became aware of this issue in XX/XX/2023. Tried to fix by sending another check that was rejected once again by Discover in XX/XX/2023. 

Because Discover is rejecting my payments, they have put my account in delinquency, charged me with late fees, and lowered my credit score. 

I've had a similar issue with Discover a couple years ago, I did not receive any response until filing a complaint through CFPB. 



XX/XX/2023. I tried to find a resolution multiple times before submitting this complaint. Discover still claims to be unable to assist and has offered no resolutions. 
XXXX - Called discover, Agent could not help. Agent forwarded me to another department ( which was closed ) XXXX - Called back trying to resolve, agent forwarded me to supervisor XXXX - supervisor says to call the other bank ( XXXX  ). I ask her to hold as I call my other bank. Discover agent disconnects the call. 
XXXX - I confirmed with XXXX. No charges from Discover were attempted or made. recorded the conversation ( recorded ) XXXX - called back Discover. XXXX located in Delaware XXXX EST was unable to help. Said to call back tuesday.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am one of two people with the same name who were born in XXXX, Texas a few years apart, and both lived in XXXX XXXX at the same time. From time to time debt collectors contact me ( or my employer ) regarding this person 's bills. This has happened before with XXXX  debt as well. The other person is a XXXX and I'm furious that I now have a collection report on my otherwise pristine credit report. I'm furious that they didn't verify my identity before ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Trans Union is repeatedly refusing to correct the information on the attachment, all showing incorrect dates. Because of their errors my scores remain low and barely go up. But when the dates are corrected and made accurate again including, last reported and last active to the right dates, not disputed dates then the FICO goes back to what it was months ago and shows minimal but some improvement. They need to correct the dates so my FICO goes back up not down with their errors. I will no longer keep filing complaints but go straight to court if they fail to be corrected on my actual credit report that creditors see, not their in house report that no one including me cares about. Those are nothing more than lies and proof that I can show the court and compare to the reports I run on the XXXX of every month, which are my true scores and actual credit that creditors see. They have a choice, they can fix it or meet me in court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: CT
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states, a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1666 B .A Creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any reason.

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 2023-01-25
Company: Experian Information Solutions Inc.
State: VA
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:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
AFFIDAVIT OF TRUTH AND FACTS I XXXX  ; XXXX XXXX XXXX XXXX do not go by any A.k.a. names. I do not buy or purchase nor request funds or credit extensions or such the like in any other names and all listed by XXXX if inaccurate and false. I have mailed a copy of the requested information thereto XXXX XXXX and they have continued to report inaccurate and false fraudulent information that does not concern me nor my history as a XXXX XXXX XXXX  nor as a consumer. I do not use my name in all capital letters and nor am I XXXX XXXX XXXX that is an LLC Estate Trust and im the beneficiary of said irrevocable trust. XXXXt ; XXXX XXXX XXXX XXXX. I am not involved in any student loan payments have never made any payments thereto the alleged information being reported by XXXX XXXX, .. claiming I am making payments or paid as agreed. This information thereto such or said student loans and or multiple student loans claiming pay as agreed using addresses that are not on my personal and private identity cards statements and documents. XXXX is the only consumer reporting agency reporting inaccurate information as to my credit consumer reports and are 100 % inaccurate. 

I do not have any Also Known as Names this is being reported presumptuously by a law firm located near XXXX XXXX, named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have filed claims against this law firm and those whom they claim to represent and have won multiple claims with writ of executions being collected. This information is simply a retaliation attempt and I am interested in seeing the actual documents they will respond with as XXXX XXXX, as they have slandered my good name and credibility. I have not relationships with any creditors they have listed in their system nor do I have said addresses they claim I live at. 

My mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX I also have the mailing address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I am a XXXX  XXXX XXXXl I am not a XXXX XXXX  XXXX nor am I XXXX. This is also mentioned by the reports as my title nobility and appellation only ties me to my indigenous heritage as an XXXX XXXX  XXXX XXXX and nothing more nor less. 

XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are not allowed to share my private information with anyone especially those involved in legal matters without my consent or knowledge as well you are not to speak nor share my private information addresses and location as well credit numbers without my consent.

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 2023-07-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been a customer for XXXX  XXXX XXXX since XXXX. I have NEVER been late in my credit card payments, all my payment are current and paid on time. On XXXX, XXXX XXXX I called XXXX  XXXX  XXXX about a late payment reporting error took place, and advised me to reach out to the credit bureau agency who is reporting this error by mistake. I reached out to the credit bureau EQUIFAX in this case and never received an update for more than 30 days now. I am asking for this late payment error to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: IN
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 discovered that someone applied for credit using my social security number and added and unknown address to my credit report.

Company response to consumer: Closed with explanation