BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-07
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:
While disputing inaccurate information with XXXX XXXX XXXX, Experian and XXXX XXXX replaced the previous XXXX XXXX account they removed in XX/XX/2019 back on my credit report XXXX XXXX. 

Now they have XXXX and XXXX XXXX reporting duplicate accounts with inaccurate non validated information while XXXX has not provided the information I have requested per my CFBP complaints. 

Both XXXX XXXX nor XXXX have provided and account information to validate the amounts or the information to me that they have reported to credit bureaus. 

Please refer to XXXX XXXX response to CFBP complaint # XXXX where they confirm that XXXX XXXX closed this 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 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt thats on my credit report is paid and/or has reached its max time of being on my credit report but, have not been remove.

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 2017-08-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have two accounts with Synchrony Bank for credit cards with Banana Republic and Belk Department Store. In XX/XX/XXXX, both of these accounts were paid in full and I have not received any further correspondence from the " Bank '' since these payments were made until XX/XX/XXXX. I received 2 letters ( 1 for each account ) stating my accounts have been closed due to " serious delinquency '' and such has been reported to XXXX. I tried speaking with a representative with the bank to discuss this reporting and they refused to assist me. I contacted XXXX and they agreed to open a dispute but informed me that most likely nothing would come out of the dispute. I feel that I am being punished for a delinquency that happened more than a year ago and on accounts that have been paid off for nearly a year. I can understand reporting delinquency if it has recently occurred or is still occurring but not on accounts that have XXXX balances since XX/XX/XXXX. I also believe that this type of incorrect reporting could pose a problem receiving future credit and could impede on my ability to seek employment in the financial industry, for which I am currently applying.

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 2017-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed with Transunion on several occasions the following accounts ( see attached ) that are reporting inaccurately on my credit report : * XXXX XXXX XXXX XXXX XXXX I provided documentation to this bureau that XXXX XXXX is not licensed nor bonded to act as a collection agent in the State of Texas where I reside. Transunion did not respond within 30 days of my initial request as to the validity of this debt and what their investigation consisted of and who they spoke with at this company. The reporting of this account is in violation of Texas consumer law and my federal consumer rights under the FCRA. XXXX XXXX should be deleted as well due to the nature of its reporting. If this account is truly legitimate and they are the original creditor, why is there no payment history reflected nor the terms, or my high balance, or limit or payment status. All of these things must be reflected for accounts with the original creditor. Again, my rights are violated as a consumer ; therefore, both of these accounts should be deleted.

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 2017-03-03
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I 've disputed this account with all XXXX credit bureaus multiple times to no avail. Every time it comes back verified as being accurate when its inaccurate. Wells Fargo Dealer Services has re-aged this debt and listed the close date as being XX/XX/XXXX when it really should be XX/XX/XXXX. This is a blatant violation of the FDCPA and FCRA. Because of this I 'm not able to purchase a home because it appears that I recently defaulted on a loan that is really almost three years old.

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 2016-09-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am a XXXX and bought a duplex XX/XX/XXXX in the state ofGeorgia. Wells Fargo has been the mortgage holder from Day 1. Because my down payment was less that XXXX % at the time, PMI was set at $ XXXX/month. I had no problem with PMI at the time. I have consistently paid my mortgage and in a timely manner. I have even paid down my principal consistently over the last 12 years since this property has been such a cash flow machine.The property is now valued at $ XXXX- $ XXXX ( based on recent resale comps, XXXX and other valuation websites etc ) and my loan balance is now at $ XXXX. This puts my LTV ratio somewhere in the XXXX % to XXXX % range. On my mortgage statement from Wells Fargo ... ... they list my XXXX ratio at ~ XXXX % and says that PMI will be discontinued in XX/XX/XXXX when the LTV ratio according to their projection will be at XXXX % ( that 's almost 28 more months of paying PMI of $ XXXX/mth ) ). I have tried on numerous occasions to get Wells Fargo to drop the PMI of $ XXXX/monthly ... ... ( because of the increasing value of real estate across the US since the Great Recession of XX/XX/XXXX-XX/XX/XXXX ) ... .however to no avail. Wells Fargo mortgage staff ca n't seem to give me a proper explanation. THIS IS AN OUTRAGE!!!!! ... .and in light of the recent UNSCRUPULOUS practices discovered at this bank, I believe that WELLS FARGO BANK has intentionally NOT updated their customers ' real estate mortgage portfolio values to reflect increasing values in order force numerous homeowners and real estate investors to keep the paying the monthly PMI for years after their they have reached an LTV ratio of XXXX %. THIS NEEDS TO BE INVESTIGATED, SINCE I AM SURE THAT I AM NOT THE ONLY ONE ( HOMEOWER OR INVESTOR ) AFFECTED BY THIS FORCED PMI PAYMENT BY WELLS FARGO BANK. IT IS A RIP OFF AND A SCAM!!!!!!! AND IS PROBABLY WORTH BILLIONS OF $ $ $ $ $ OF PROFITS TO THIS BIG GREEDY BANK AND THEIR UNSCRUPULOUS EXECS.

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 2021-03-08
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt thats on my credit report is paid and/or has reached its max time of being on my credit report but, have not been remove.

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 2017-01-10
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
Product: Other financial service
Sub-product: Check cashing
Issue: Customer service/Customer relations

Complaint:
Everytime I try to cash my paycheck at XXXX or any other check cashing service in denied due to a company named Certegy. I do n't understand why everytime I call them they can never give me a reason why they deny me. This is not fair and a paycheck is a valid check! I have provided this company my id and asked for a copy of my file but nothing explains why they have me red flagged

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 2016-01-11
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have received a copy of my credit report and observed that an American Express account is opened under my name that I did not authorize or open. This company has my personal information and account that I did not open. They also gave collection agencies my personal information. American Express should never have my personal information or allow an account to be opened under my name without my authorization. They should also sent my information to collection agencies. I also found out there is a judgment on credit report. I was not told by American Express that they sued me and to appear in court. I was not notified. I have never done business with company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2016 I went to XXXXXXXX XXXX for lXXXX XXXX XXXX under my XXXX. I was told about the program at that point 1 session was done. When that session was over I inquired why I still had the XXXX hairs on my XXXX I was told laser or remove XXXX hairs, and for the XXXX hairs I would have to purchase another plan on top of this plan I advised agent no I do not want to do that because as you can see 90 % of the hair on my XXXX are XXXX, so when I advised her she is now trying to get more money from me know it would not work I want to cancel the contract and pay for services that was just rendered. I was told I would get a call to make that payment she could not take it. About 2 weeks later I got that call to make a payment for {$130.00} and I paid it never received no more calls then about 6 months later started to reflect on my credit for 5 years I have been contacting them with no response then they sold it to Portfolio Recovery. This has ruined my credit for 5 plus years, and this is very unfair that companies play these games. That is how I know they got the cancellation I was contacted that 1 time paid and never contacted again they just sold it to collection agency. Having facial issues like this is very depressing, and I thought this would be good, but they gave me fraud information to get more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Synergetic Communication Inc
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a collections bill that I know nothing about.. have never received a bill and the company said it dates back to 1996.. company told me to call you guys

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX XXXX, I sent a certified letter to Americas Servicing Company ( ASC ) owned by Wells Fargo Bank N/A. I requested the following information, is Wells Fargo the current investor of our note which is located within XXXX XXXX XXXX XXXX. I further requested to know what Wells Fargo role is with XXXX XXXX XXXX XXXX and does Wells Fargo know where our original note and our original deed of trust are located for the above mentioned property. On XXXX XXXX XXXX, XXXX sent us a letter stating, Acklodgement receipt of inquiry. Then, on XXXX XXXX XXXX, ASC sent us another letter stating, we were the servicer of your account. Wells Fargo is the investor of the loan and XXXX XXXX is the trustee. ASC included within the letter a copy of the Adjustable rate note dated XXXX XXXX XXXX, loan # XXXX. A couple days later, I received a call from ASC regarding this issue. I said that we refinanced this loan on XXXX XXXX XXXX with XXXX XXXX XXXX XXXX. I sent ASC the documents to prove that there loan documents are Null and Void. I requested that ASC reflect that this account was transferred to XXXX XXXX XXXX in XXXX and Wells Fargo is not the current investor. On XXXX XXXX XXXX, ASC sent us another letter stating, our records indicate that the account number referenced loan is no longer an active account. ASC further stated, since we are not currently servicing a loan associated with your property, we are unable to provide investor, trustee or servicing information. Now, we already know who our servicer is along with our trustee. I requested to know from ASC which is owned by Wells Fargo Bank if they are the current investor. Wells Fargo may have purchased this Note/Deed of Trust recently! If Wells Fargo is the current investor, we request to have a certified copy of the original note, a certified copy of the original Deed of Trust and a certified copy of all assignments going all the way back to XXXX XXXX XXXX of when this note was sold and by whom. ASC stated that Wells Fargo is the investor and XXXX XXXX was the trustee but tried to use the old mortgage documents from XXXX reflecting ownership of our note! These documents are Null and Void since there was a new lender in XXXX, XXXX XXXX XXXX! ASC still has not answer my inquiry if Wells Fargo is our current investor of our Note/Deed of Trust. Security Exchange Commission does in fact have Wells Fargo Bank N/A listed with XXXX XXXX XXXX XXXX. Wells Fargo Bank also has assets within this securitization trust! Fraud and robo-signing has occurred in the past including within our note and possibly in XXXX loan trust XXXX. Request an investigation into this matter.

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 2016-12-05
Company: Intermex Wire Transfer, LLC
State: NC
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent XXXX $ threw Intermex to my mother in XXXX XXXX. In which I was charged XXXX $ for their service. On the XXXX of XXXX I received a text stating that the wire I sent has been collected. I then called my mother to see if she had received the money and informed me that she had not gone to the bank yet to which the wire was sent. I later called intermex and asked what had occurred and they replied that the money had been collected but they had not told me who did. Their website advertises safe secure wire transfers to consumers to love ones. I 've called them every single day to see how they can help me but to no avail they will not give me a straight forward answer and says it 's out of their hands it is now the XXXX of XXXX and no resolution in sight I must file a complaint and hope that I will find some kind of resolution.

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 monetary relief
Consumer complaint received 2016-11-17
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
My wife and I took a financing arrangement from Wells Fargo for roughly {$5000.00} for XXXX in XX/XX/XXXX/XX/XX/XXXX. We discussed various financing options and finally my wife presumably signed up for a 12 month 0 % interest rate. However, I mistakenly assumed that we signed up for a 18 month 0 % card. I was making a monthly payment of {$200.00} above the minimum payment during the 0 % period. While reviewing my XX/XX/XXXX bill I saw an interest payment of ~ {$1500.00} on a balance of {$2800.00}. I immediately called Wells Fargo to discuss the matter and informed them that this was a genuine misunderstanding on my part, I have an excellent credit, never missed a payment and since I was just a day late, they should waive the fees. I even offered to pay the entire outstanding balance of {$2800.00} and close the account. 

Although I do accept that the misunderstanding was my mistake, I acted immediately to rectify the situation. The way that Wells Fargo representatives that I spoke with handled the situation was ridiculous and our multiple discussions have not resulted in any positive closure, but rather a hardening of stance asserting that what Wells Fargo did was moral and ethical. 

Please help!

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 2021-03-08
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice of attempt to collect a debt, in the amount of {$16000.00}, original creditor Ford credit Us. I called Ford credit and they had no information. I called XXXX XXXX, XXXX XXXX, spoke with XXXX, XXXX not sure and he said all he has is account opened XXXX and last activity was 2002. This isn't showing on my credit report. He said he was contacting XXXX XXXX XXXX XXXX, for them to send additional information. Even if my last activity was in 2002 it's past the statute of limitations to collect. I have never had a credit card with a high balance, so I'm confused. If this is for a car then they need to furnish proof that I in fact signed for that. Please help me. I suspect something shady is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: AES/PHEAA
State: MD
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:
I received a XXXX through the US Dept. of Education ( Service Provider - Fedloan. ) My first loan disbursement was on XXXX ( divided into two for XXXX semester. ) Fedloan reported to XXXX, XXXX and XXXX that I was late for 90days, from XXXX. I have disputed the late payments once before to no avail simply because I had no documentation. Luckily, the Dept. of Education directed me to " XXXX '' recently, I was able to find the status for repayment for any time period. Upon reviewing, I found documentation that clearly states I was in Forbearance at the time of the alleged late payments. Once I knew what I was looking for, I also came across notifications in my personal email from FEDLOAN, that correspond with the dates the US Dept. of Ed. provided me for repayment. I have recently entered into an income driven repayment plan with FEDLOAN and my payments start XXXX. I am grateful for the arranged monthly payment and I 'm hoping we can continue without any problems, once this is rectified. Unfortunately for me, those 3 late payments could severely affect my future. My fiance and I are buying a home at the end of XXXX and the only thing preventing us from doing so are the late payments reported by FEDLOAN. I NEED them to be removed. I was not late. I have documentation. I am really hoping I speak with someone who does n't just give me the run around. I will report and/or dispute with more entities if I 'm forced to ( i.e. XXXX, Ombudsman Group, etc ) but I know that does n't have to happen depending on who I speak with. All I need is someone who cares somewhat about customers and is willing to listen. Now that I am set up on an IDR plan ( plus I 'm more than willing to set up auto pay as a goodwill gesture ) I 'm hoping I 'll be able to remove the incorrect late payments and get on with life. I know it can be done because I have two friends who have been successful with FEDLOAN. Do n't believe the lie that they MUST keep it on there. If you make a living by working in customer service ( like I do ) then you know something can ALWAYS be done. Please email me at XXXXXXXXXXXX or call me directly at XXXX, if you have any questions or comments whatsoever. Thanks for taking the time to read this. I 'm praying that everything gets resolved and works out in both our interests. I hope you and yours have a great holiday : )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been participating in the Short Sales Process with Wells Fargo over a year and half. 
I have submitted all paperwork requested by Wells Fargo and have lost multiple buyers due Wells Fargo stalling us and refusing to bargain in go faith. I just been informed by my realtor that they have decided to withdraw my request to sale my home in the Short Sale process and just foreclose on my property. we have sent multiple offers to them and have received nothing but request of more paperwork that was already sent to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation