BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-13
Company: WELLS FARGO & COMPANY
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have a private student loan with Wells Fargo with a Guarantee Amount of {$14000.00}. This loan went into repayment status in XX/XX/XXXX. My current balance is {$15000.00}. I have continued to struggle to make my monthly payment for most of this period, which is currently {$190.00}. Wells Fargo will not offer any options to lower my monthly payment without refinancing. Due to credit issues, I do not qualify for refinancing without a co-signer. I currently do n't have anyone who is willing and/or able to do so. I ca n't afford to pay my monthly balance without the help of a parent. This parent helps as much as possible and typically contributes about $ XXXX {$150.00} of the balance. I am at the mercy of this contribution, which does not always get to me before my balance is due, which results in late payment fees of {$28.00}. I have incurred XXXX late fees since XXXX, which have only added to my balance and adds to interest paid. I am sending a letter to Wells Fargo along with a repayment request worksheet, which includes my current budget/expenses. I currently earn approximately {$450.00} a month. I work less than part-time due to XXXX issues that are preventing full-time work. Please let me know if you can do anything to help. I am endlessly crushed by this burden and feel horrible that I 'm adding that burden to my parent. I can barely make ends meet. I took out this loan to help pay for tuition at a private art school. I received XXXX for a XXXX. I have no complaint toward the college, they provided an excellent education, opportunities and excellent job placement. What I do regret is not knowing that teaching was not suited for me emotionally. I struggle with XXXX. However, the cumulative stress of XXXX contributed to an XXXX. This I could not foresee and I ca n't risk my health to work toward paying a student loan. 
Heartbroken, Just Another Suffering Student Loan Regretee ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-13
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I have submitted XXXX packets of information to Wells Fargo to help gain a loan modification back in XXXX XXXX.I have been working with XXXX XXXX XXXX and this was to be a two week process and it is now 5 months. Wells has continually asked for the same information XXXX times and there has never been a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: K. HOVNANIAN AMERICAN MORTGAGE, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I recently contracted to purchase a property from XXXX in New Jersey as they also have there own in house mortgage company, K.Hovnanian American Mortgage, XXXX. As an inducement to use their own in house mortgage company I was offered $ XXXX off the purchase price. XXXX, I did n't have any an issue with this process until today. My original mortgage rate offered was XXXX floating. I had many communications with the loan XXXX who at no time explained to me that I was floating and that I would run the risk of not being able to receive the original rate offered if did n't lock in. To my dismay I was notified today that my loan is not locked in and they can not deliver the rate promised and tried to convince me into taking a XXXX year or XXXX year ARM. I did not have the bonfire option of shopping for competitive financing due to the fact I discovered well after the fact I was out of attorney review and behind the point where I could cancel my contract to purchase my home without grave financial damages including but not limited to forfeiting my deposit that the unit I am purchasing is considered a non warrant-able condo. By vert-rue of this I am not a candidate for XXXX or other agency financing. I feel like I have been deceived by a bait and switch. If I did n't know better I would say they have an monopoly. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX removed this from all three beaurus and even sent me a letter stating this fact as it was a paid in full account, however it reappeared and was not updated as having at least a {$XXXX} balance. Attached are receipts and communication with XXXX. Despite multiple calls with XXXX agreeing to remove the incorrect information, 60 days later it still appears incorrectly and negatively is impacting my score as a result. The attached receipt shows this was paid in full XX/XX/2016. They also sent a letterhead showing 0 payments owed, 0 lates, etc. But it is reporting as being 1 month late. We are now in XXXX and it is still incorrectly appearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been working with Equifax for a few months now, XXXX I think and they are giving me a hard time. I have XXXX accounts with XXXX that they are reporting 120 days late even though the account has a XXXX balance and I havent made a payment on it in months!! I dont know why they are doing this!!! They are doing the exact same thing to XXXX XXXX accounts. An account can not be 120 days late on a XXXX balance, it is just not possible!!!!! Its against the Fair Credit Reporting Act and the Fair Credit Billing Act ( I looked these up on XXXX. ) There are also XXXX judgments that have the wrong filing dates. No matter what I do and say, they refuse to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: Security National Automotive Acceptance
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I 'm enlisted in the XXXX XXXX stationed onboard the XXXX XXXX XXXX, XXXX XXXX which is in the shipyard at XXXX XXXX XXXX. XXXX 2014 I got a preapproved loan thru XXXX XXXX XXXX XXXX. I went to XXXX XXXX in XXXX Va. The dealership told me they could get me a loan elsewhere allowing me to buy the car I really wanted which was higher than my loan approval. I was approved through SNAAC, the dealership had me set up the payments as an allotment at the time of purchase. My command took me back to the dealership & the car was returned at no cost. I got a better deal elsewhere, however I did n't stop the allotment going to SNAAC. When I realized last month that I was always broke I went to XXXX to see about getting the money back from SNAAC, I stopped the allotment on XXXX. I spoke with XXXX on XXXX XXXX at XXXX and he assured me they would return my money to me, over {$3000.00}. I have not received my money from them as of this morning.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XX/XX/XXXX a civil judgment was placed on my credit reports ( i.e. XXXX, XXXX and Transunion ). The judgment was placed by an unknown entity. The civil judgment was filed with XXXX Superior Court, Docket # XXXX on XX/XX/XXXX. Immediately my property management company, XXXX XXXX XXXX was notified once the derogatory appeared on my credit reports. Management instructed me to speak with their attorney since the rent balance had been paid prior to the judgment filing date. XXXX XXXX XXXX indicated that they would gladly file a judgment dismissal since the rent payment has been paid. Furthermore the law firm indicated that they did not report to the credit bureaus the judgment per XXXX XXXX. Additionally, in speaking with XXXX Superior Court I was informed the same which was this entity did not report to the bureaus. I initiated a credit dispute with all XXXX ( XXXX ) bureaus on XX/XX/XXXX. Followed by additional requests to specifically Transunion on the following dates due to no removal or any communications regarding these requests : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. With the XX/XX/XXXX requests and XX/XX/XXXX request a copy of the Release of Judgment was provided however to date this removal request has not been honored. Today another request was entered with Transunion and I was instructed to fax the release to XXXX by XXXX, representative. I also inquired if XXXX could see all the prior requests in which he indicated no and instructed me to phone Transunion Interactive Department@XXXX. I have not phoned this department. I feel that there is violation of the FCRA resulting in my submission of this complaint to your entity. 
Thanks so much for your assistance. 
Very best always, XXXX XXXX XXXX @ XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My wife and I applied for a home loan through a major bank. To our surprise, there were XXXX ( XXXX ) accounting errors, and a bill for a person that is not me. 1. Tax Lien {$1600.00} My tax debt was settled in XX/XX/XXXX, the balance is {$0.00} and it is paid in full, this should have been removed over 7-month 's ago. 2. Child support monthly payment {$660.00}, my daughter turned XXXX in XX/XX/XXXX, my support was reduced to {$150.00}, this should have been corrected over 3-years ago. 3. My name is XXXX XXXX, I have no idea who XXXX XXXX XXXX is, this person 's credit history should not be connected wit mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-05
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XX/XX/2015 I noticed an unknown entry on my Equifax credit report from a " XXXX Collection Service '', which also goes by the name " XXXX '', Acct # XXXX. On XXXX, I sent a certified letter, was received on XXXX, requesting validation. I did n't get a response at all. In a letter sent XXXX, I disputed the above tradeline with Equifax. In a response dated XXXX, Equifax " Verified '' the entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
XX/XX/2015, hired a lawyer to handle the complete payoff of our Well 's Fargo mortgage. We questioned close to XXXX in fees and charges. They then sold the house to themselves, and are now evicting us. Spent XXXX on lawyers who wanted more to proceed. Filed suit on our own which is attached. Please review attached documents for detailed story. Thank you, 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 2015-08-13
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
On XXXX XXXX, 2015 I submitted a email to Experian at email address XXXXXXXXXXXX requesting that these services be cancelled. Due to I only wanted to complete the trial period. In reviewing my checking account information and I noticed that on XXXX XXXX, 2015 and XXXX XXXX, 2015, I was billed for monthly services after I followed their procedures on how to cancel their membership. along with submitting the cancellation request 2 weeks prior. I reached out the Experian and escalated this matter. I was advised that my funds would be credited back to my account on the next billing cycle. On XXXX/XXXX/2015, my account was credited then the amount was taken out of my checking account again on the same day. I brought this issue to the attention on the Experian support team, and I was advised that they were n't able to find my account information. In which I advised Experian that the statement was complete false due to the money was credited to my account then withdrawn again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Account Name Original Creditor Open Date Status BalanceXXXX-XXXX XXXX XXXX XXXX XXXX XXXX, 2011 Open $ XXXXType Description Additional InformationOwnership I have no knowledge of this account. N/AXXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am very disappointed with Experian. There are inaccurate items on my report dragging my score down about XXXX points. Please find the attached letter of said inaccuracies.

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 2016-07-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
We were notified today XX/XX/2016 that we have Hard Credit Inquiries on our Credit Reports ( XXXX, Experian and XXXX ) for a loan that we DID NOT apply for. 
The following companies XXXX, XXXX, XXXX, XXXX and others have run Hard Inquiries against our credit reports and we have Never heard of these companies before. We call XXXX and Experian and they put a Freeze on Our Credit Reports. XXXX has not put a freeze on yet. XXXX and Experian said we would have to call these companies as ask to have the Hard Credit Inquiries removed but we said this is FRAUD. We had a freeze put on our credit reports so no more credit inquiries can be made for now. We have already had our credit scores reduced by these Fraudulent Credit Inquiries. We need help in all of this since XXXX and Experian and XXXX DOES Not want to help us. We paid money to have the freezes put on each credit report. Do we now need to seek a lawyer to help us and have to pay for the lawyers fees too? We have tried for a long time to get improved credit scores but in a flash our scores are lower and we did not even apply for any loans or miss payments but are being penalized with no one to help us.

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 2015-12-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have several accounts on my credit file that are reported inaccurately. I reached out to the credit reporting agencies and have n't seen any change or updated from my original disputes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
lost my daughter 's social security card along with mine on XXXX. filed police report. just would like to know my daughters identity has n't been stolen or misused

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 2017-02-25
Company: Guglielmo and Associates
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I was contacted by Guglielmo & ASSOC. regarding a credit card that was sent the debt collector above. I telephone them and made payment arrangements for {$100.00} for the first XXXX months as they would n't take my offer. I made ALL of these payments on time. During the seventh month they would discuss further how I was to pay this off so I sent them a registered letter offering them {$500.00} over and above the {$600.00}. I NEVER received a reply to my letter. Then out of the clear blue sky I received a document BANK GARNISHMENT to garnish my XXXX XXXX account. I called Guglielmo & ASSOC. and I spoke to a XXXX asking what I could do to continue to settle this debt and that I had sent them an offer. HE WAS EXTREMELY RUDE, stating it was too late and there is nothing more they could do for me. He claims they tried only to reach me by phone. I NEVER RECEIVED any voice mails. I have a very old phone sometimes the voice mail does not work. XXXX told me it was n't his problem I have old technology. Again I asked him if there was anything else we could do to settle the debt. He said NO. I told him I am on a fixed income. I only collect Social Security and he said he did n't care. So now I am still trying to settle this debt but I feel this collection agency set me up and tried to take exempt funds knowingly. He also stating that I would lose the {$600.00} in payment I already made on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Credit Bureaus need to be held accountable for their neglect and I want violation penalties accessed and awarded to avoid additional litigation and hardship that will be placed on the courts and myself. These are the only adverse items on my credit report and it has caused me extensive damage and financial hardship. Despite Federal / State law and numerous request for the credit bureaus to delete and disregard the negative items and balance owed on all accounts reported by XXXX Federal Bank previously XXXX XXXX XXXX they have refused to comply. Litigation Case XXXX. The Judge ruled against bank for possible Mortgage Fraud, all payments and funds are held in XXXX County Superior 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 explanation
Consumer complaint received 2015-09-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I keep disputing an open collection account from XXXX XXXX. I have contacted this company and Experian to remove this negative information from my credit report and they say they investigated the matter and it just keeps appearing after 3 years. It is also showing on my idenity guard account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX, 2016 I have contacted Experian via US Mail notifying them about Fraudulent credit items appearing on my credit report as a result of identity theft. I included my Police Report and my FTC Identity theft Affidavit. The following accounts that Experian failed to block per 15 U.S.C. 1681 ( c ) -2 1 ) XXXX 2 ) XXXX 3 ) XXXX 4 ) XXXX 5 ) XXXX 6 ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX Further i have written the companies regarding the fraudulent accounts which has been opened i have completed the fraud affidavits which the companies requested and as of today these accounts are still being reported on my credit 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 non-monetary relief
Consumer complaint received 2016-05-23
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a loan with XXXX XXXX auto financing for a vehicle I purchased. I was involved in an auto accident that totalled my vehicle and left a little over {$700.00} on the loan after insurance payments. I had gap insurance to cover that amount, but they report it as a charge off.

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 2016-09-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
COLLECTION AGENCIES TOOK MORE THAN 30 DAYS AND NO RESPONSE, COPIES ATTACHED. 
PLEASE REMOVE FROM MY CREDIT 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 non-monetary relief
Consumer complaint received 2015-06-23
Company: Argon Credit
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
All of a sudden they have quit taking calls and e mails and will not offer any assistance.  They have another company doing there billing now but not services.  I am being charged XXXX points over the intrest rate I signed for.  I asked to have my loan refinaced for a lower intrest rate and they can not do it at this time because of money issues????? I call XXXX number and get someone on a cell phone...

Company response to consumer: Closed
Consumer complaint received 2016-08-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Social security is is not correct ca n't get my credit score bacause of that Please correct error

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