BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I'M IN NEED OF SOME ASSISTANCE FROM THE CFPB BECAUSE I'VE BEEN REQUESTING THE CREDIT BUREAUS TO DO THEIR PROPER RESEARCH REGARDING THESE ACCOUNTS THAT I HAVE LISTED ON MY LETTERS, BUT IT SEEMS TO BE FALLING ON DEAF EARS. CAN YOU PLEASE MAKE SURE THEY ARE FOLLOWING THE LAWS AND CORRECT THE ERRORS ON MY CONSUMER REPORT. I WAS NEVER GIVEN THESE OPTIONS, NOW I WOULD KINDLY REQUEST THAT YOU REMOVE ANY LATE PAYMENTS REPORTED ON MY ACCOUNTS LISTED BELOW : XXXX XXXX XXXX  XXXX .... XXXX XXXX ...., XXXX XXXX XXXX : Account number : XXXX ... XXXX- Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX : Account number : XXXX ....- Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I finally got my modification finalized and I asked that the company put in writing that my mortgage investor does not participate in forgiveness of principal. I put this request in writing XXXX in the month of XXXX 2015. To date I have received no response. I was sent a form for automatic debit of my new mortgage payment and when it was n't debited I called in to find out why. They stated they were behind and would set it up. XXXX XXXX was my first payment date and nothing has been debited. All the credit bureaus are showing a past due mortgage balance and do not reflect my modification. I contacted my mortgage provider, Rushmore and they stated in XX/XX/XXXX this would be taken care of at the latest XXXX XXXX. Nothing has happened and I am being denied business loans. 

I have proof of all my claims, delivery confirmations, names of employees that I spoke with etc ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: ProCollect, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have asked this company to investigate the person or business entity that was responsible for this bill that they are allegedly stating that I owe. I have attached the document 's that were sent to me and these do not show that the checks were being paid by the state of Mississippi. I asked them to get canceled checks and to send me a signed copy of all document 's and the attached document 's do not show my signature on anything nor is the contract that they signed with the actual debtor. This is FRAUD and I want this matter to go away and this isn't my responsibility. The bill that they are attempting to collect is the responsibility of the State of Mississippi or HUD. This was a account back in XXXX and that particular entity in the government that was paying my rent is no longer in operations so i can't get any records or any information on the the payment 's that were being paid. I am requesting that Procollect investigate the full extent of who is responsible by getting canceled checks that will show that they came from the State Of Mississippi and this debt is not my responsibility. This company is deliberately holding this bill against me to destroy my lively hood for corporate greed. I spoke with these people over the phone and they told me that this was gon na remain and that I owe this money. This is not the correct amount that is owed because they added XXXX to the bill and that's illegal.

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 2016-12-26
Company: Home Point Mortgage Acceptance Corporation
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
After receiving the final Closing Disclosure on the day of closing, I noticed that I was charged twice for the Upfront XXXX ( it was financed with the price of my loan and added onto my closing costs ). I contacted the lending agent and he said my closing agent will explain to me how I 'm not being charged twice. So I contacted the closing agent and explained the issue and he said my lending agent would need to address the issue. Then I call the lending agent back and he threatened that I could close that day if I wanted this corrected. I was purchasing a home XXXX miles away from where I lived. I had taken time off work, secured movers and had all my stuff in the moving truck. If I did not close that Friday ( XXXX/XXXX/2016 - the week before XXXX ), it would have cost me more than the {$2300.00} upfront XXXX fee, to reschedule the close so I signed the documents. Needless to say I have been very upset about this ever since that day. To see on paper that I was being cheated but no way to get the issue resolved fairly and get the move done successfully.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2020-04-13
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:
XXXX ; Experian and XXXX should not be reporting collections in the amount of {$3800.00} and {$1000.00} on XXXX XXXX XXXX, original creditor XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I was forced to vacate the premises because of an untenable situation with the tenants who were living below me. They were involved in illegal activity and it was very unsafe for my children and my wife and I to stay there. I wanted to file a formal police report however was encouraged not to for fear of retaliation from the tenants. I contacted the apartment complex manager and shared detailed information of the issues that were occurring and the apartment manager agreed that I had no choice but to vacate for the safety of myself and my family. The manager and I agreed that I pay {$1000.00} to terminate the lease. I was assured that the lease would be null and void and that I was free to move. I was not aware that these accounts had gone to collections until I obtained a copy of my most recent credit report. I immediately tried to contact the apartment complex manager to discuss this. I never received any notice from the apartment complex regarding any outstanding balance due. Pursuant to my agreement with the apartment complex manager, there is no outstanding balance and therefore nothing to collect. This false reporting of multiple collections is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2017-02-05
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
In XXXX XXXX I obtained a student loan of {$15000.00} for my child to attend college. 
Over the years I have fallen behind a few time because I have XXXX daughters to raise. I was repeatedly offered to put my past due balance to the rears of my loan to bring it current. Basically the collections department does not offer any help other than to increase the amount owed by refinancing every time you get past due. On XXXX XXXX, XXXX I will have been paying on this loan for 10 years and I still owe {$10000.00}. Navient debits my account each month. The collection department also has called my family members and let them know about my past due account. To date I have paid {$19000.00}. My child went XXXX XXXX XXXX XXXX, Tn.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: WELLS FARGO & COMPANY
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Wells fargo keeps charging for insurance on a ford fiesta. I carry insurance on the car with XXXX. They have faxed them the information that i carry insurance. They are charging me XXXX more a month for ins. i dont need. This is also effecting my credit. They started charging me several months ago for this out of the blue.I would like it to stop now. Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-26
Company: Federated Capital Corporation
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Federated Capital has continuously harassed me for over two years now to collect a debt from a credit card back in XXXX, that I was forced to drop XXXX credit cards when I lost my job at the XXXX in XXXX, then in XXXX XXXX the house I was living in burned down and I was homeless until XXXX of XXXX when I finally got subsidized housing -- - XXXX 

XXXX, AZ XXXX Direct Line : XXXX Help Line : XXXX XXXXXXXXXXXX this organization has sent over five letters to Federated Capital which Federated Capital completely ignored and continues to call me, send me letters, e-mails -- - and now I am getting phone calls from XXXX XXXX attempt to collect on Visa XXXX XXXX XXXX ( XXXX ) XXXX attempting to collect from a VISA back in XXXX for some {$5000.00} approximate debt -- - I am a XXXX Veteran existing entirely on Social Security and now I have developed XXXX and am XXXX for by the VA Hospital doctors here in XXXX Arizona

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-01
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
I am a paying member of XXXX XXXX XXXX. I have access to all 3 credit reporting agencies. I have in the last 90 days filed disputes per their process. I had an installment loan with XXXX loan # XXXX which I paid off two months ago. XXXX XXXX 's credit report shows the balance of {$16000.00} is now XXXX. However, When I check all three agencies reports it still shows a balance due of {$16000.00}. When I tried to file a new dispute and went through the online process I get a messages back " We are sorry, but we are unable to to full fill your request your request at time '' Then a message, " what to do Now ''. 
I paged through this information and finally found a phone number to call customer service, I was placed ON HOLD for 1 hour and 15 minutes and when answered it was a lady in XXXX. She told me that the XXXX account showed XXXX  on balance. So I walked her through going to all 3 agencies reports and that there it shows the account is still open and the NOT paid off which is wrong. She acknowledged that she agreed with this. However, that the dispute and technical depts. were having difficulties and she could not do anything about it. I ask her, I have been working on this for 2 weeks and are no closer to getting someone to resolve it. She said she could file the dispute manually and I would get a confirmation email that this was done. She verified my account and email with XXXX XXXX. To date I NEVER received the confirmation. For me this is very frustrating and I consider it Harassment and nobody at XXXX XXXX cares because they do not have to take care of this our satisfy my disputes and to think I paid them {$29.00} for the privilege of getting XXXX. I thought the U.S. Government had taken action to prevent these credit reporting agencies from hassling, delaying and  not servicing the American Public ... .my experiences are nothing has changed, 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 non-monetary relief
Consumer complaint received 2016-05-11
Company: WELLS FARGO & COMPANY
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My loan was suppose to stay in deferment until I graduated from my current program and then payments were suppose to start six months after graduation. I completed my program XX/XX/2016. on XXXX XXXX, 2016 I received a letter dated XXXX XXXX, 2016 from Wells Fargo stating that my XXXX loan is now in default and is due in full immediately. When I called them they told me that there was no way they could reverse anything and they would like me to allow them access to my checking account so that they can charge me {$310.00} a month on automatic withdraws. If I had known that the loan payments were required I could have made arrangements to pay them without the account going into default and now my options are limited. As a new graduate I am still trying to make my way and earn funds necessary to pay off the loans I 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 2020-04-01
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

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 2022-04-13
Company: Experian Information Solutions Inc.
State: MN
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 have items on my credit that has been closed and is still on my credit. need them removed. 

XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor XXXX XXXX This was paid off years ago This should have been closed. 

Another one is XXXX XXXX REPORTED XX/XX/XXXX AMOUNT XXXX This was also paid off last XX/XX/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 2015-06-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We are self employed and were going through hard times in XXXX when the economy crashed and found it difficult to keep up with our mortgage. We turned to Wells Fargo for help because our interest rate was very high at 6 %. They gave us a temporary reduction in our interest rate and payment that was only good for XXXX months in XXXX XXXX. Once the XXXX months were up our rate went back to 6 % and we could no longer afford to make the payments. We tried working with Wells Fargo but they would not help us so we hired the XXXX XXXX XXXX in XXXX XXXX to work with Wells Fargo. Wells Fargo has refused to help us because the investor will not allow a permanent modification. We have done our part by making the XXXX monthly payments which we could afford. We do not want to lose our home where we raised our children. We are requesting that Wells Fargo permanently modify our loan so we can continue to make payments and stay in our home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Experian Information Solutions 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:
I went to try and purchase a vehicle and they pulled my credit report they said they were only going to pull my credit report one time and they ended up pulling my report multiple times with other lenders. 

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX  XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX XXXXXXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XX/XX/202XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XX/XX/2021

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 2022-09-09
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: EQUIFAX, INC.
State: MN
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 been receiving constant telephone calls of harassment, profane and abusive language and threats of XXXX from XXXX XXXX and XXXX XXXX XXXX in regards to 3 accounts that are fraudulent, unauthorized, not my accounts and is the result of identity theft. XXXX XXXX  and XXXX XXXX XXXX is in violation of the Fair Debt Collection Practices Act ( FDCPA ). The following accounts are fraudulent : XXXX XXXX XXXX  XXXX  XXXX, XX/XX/XXXX, {$210.00}, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1800.00}, XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$320.00}. The following credit inquiries are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX   XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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: Information belongs to someone else

Complaint:
I need these removed from XXXX & XXXX I've send them copies by mail and fax.

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