BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-29
Company: WELLS FARGO & COMPANY
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a private student loan with Wells Fargo. I took it out in XX/XX/XXXX for  {$6500.00}. I have been accused of 2 late payments, which I was unable to disprove, and accused of approximately 8 missing or late payments that I was able to prove their error. At the start of the loan, I have a federal student loan through Wells Fargo ( with a maybe 6 month overlap ). They mis-applied my payments every month and tried to say I did n't pay. Then harassed me on the phone daily even when their records showed I did pay ( I believe there is already a suit for this currently ). <P/>Of course these late claims allowed them to raise my interest rates to 13.5 %. During XXXX-ish, I spoke to them on the phone 1-2x per month as they continued to " misplace '' my money and accuse me of not paying, then the rep on the phone would say, oh - I see. no problem. I 'd confirm that I did not owe anything, and they would say yes - you do n't owe anything. Its been taken care of. Then the next month, another late charge and I would call back. I NEVER miss payments on anything. My credit history proved that. Of course this also hurt my credit for years. <P/>After paying for years, my balance is still XXXX. In my account history there are actually years of the balance going up instead of down. I have tried making double payments ( one to principle ) but they still only apply a portion of it to the principle. I have contacted them repeatedly. <P/>They do n't even have record of me ever having another loan with them, even though I have hard copy statements and certainly paid them for years until I paid off the first loan. When I mention that, they tell me I m wrong and this is the first loan through them. <P/>Last year I got a notice saying in order to help me repay more efficiently, they altered my auto-payment amount. When I checked, they LOWERED my payment amount ( by only $ 3+ ). I called on it, emailed, and tried to raise it back to what I had been paying ( or even more to help ) and they were kind, like always, but nothing was changed. ( this is when I tried to pay an extra chunk to principle again, and they only used {$75.00} of the {$100.00} to principle - note that they had already received their full payment which should have paid their interest/fees for the month. ) I have paid thousands of dollars ( approx. {$1500.00} per year ) on this loan and I still owe over {$1500.00} MORE than when I started, years ago.

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 2020-10-07
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:
The accounts listed above do not reflect any correct transactions done by me. My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the
individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance.

FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX/XXXX/17 I contacted Equifax about a collection debt appearing on my credit report that does not belong to me. Equifax informed me there was nothing they could do to correct the mistake. The alleged debt is from the company XXXX XXXX XXXX in the amount of {$1000.00}. I do not have a signed contract nor any contract with XXXX, XXXX. I have never done business with this company. I am not liable, nor am I responsible for collection from this alleged debt with XXXX, XXXX. This negative mark is affecting my credit score heavily. Please investigate this matter and remove this inaccurate information from my credit file with Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10
Company: Credit Plus Inc
State: OH
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 got these accounts that are not mine and i want it to be removed ASAP. See the list here : 1. Identity Theft CREDITPLUS Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft CREDITPLUS Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft CREDITPLUS Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft CREDITPLUS Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I opened an account at XXXX and made a purchase for {$61.00}. I intended to pay but the cashier told me that it was better to add it to my new credit card, so I did. I waited for my card to arrive at home but it never did. I tried making a payment in person at a XXXX store but they wouldnt accept cash. I asked them for information regarding my account and explained to the sales person that I had not received my credit card on the mail but no help was provided. I tried opening the XXXX app but I needed my account info and I did not have it with me. This was my first time trying to open an account to start working on my credit but it turned out a nightmare instead.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: FL
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 acordance with the fair credit reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 state a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied for and was granted the Barclay XXXX XXXX XXXX in XXXX of 2016. At that time, they offered to waive the annual fee of {$990.00} and provide 0 % interest under SCRA benefits for XXXX XXXX military members. They have since rescinded that offer, and are now charging the annual fee of {$990.00} if I continue to retain the 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 2022-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I never gave capital one my authorization to run a credit check so they took it upon themselves to run a check and it damaged my credit now for 2 years. This is ridiculous that companies are allowed to do this just to hurt someones credit. I already filed a complaint with XXXX  and got nowhere.I got a hard inquiry because of them and its not right. And they have no number or address to get ahold of them it just says capitol one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Asset Management Outsourcing, Inc.
State: NY
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 have no knowledge of this account, and is going to be in litigation. 

PLEASE REMOVE ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Municipal Collections Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Municipal Collection Services Inc. is trying to collect for a debt that is paid. They claim i owe for these 2 tickets for XXXX each which total XXXX dollars. 25 percent of my salary was garnished for 3 pay period that paid the debt. I sent these people proof and they still are trying to illegal collect this debt. 
this is down right fraud

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 explanation
Consumer complaint received 2017-10-20
Company: SN SERVICING CORPORATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
We had XXXX loan with XXXX sice XXXX, but in XXXX due to job loss, we had defaulted on payments and it took us almost 2 years to work out loan modification with XXXX lienholder XXXX as XXXX lienholder was in transfer almost every year. Last servicing we knew was XXXX XXXX XXXX XXXX where there was never alive representative on phone, and after lengthy hold times, our calls just got disconnected. Then in XXXX XXXX we found out that servicing was transferred to SN Servicing.  However, there was never a letter or notice sent to us to advise of such transfer. Moreover, we were not even sent monthly statements for last 3 years. 
We have been working hard to keep our home and were happy to workout payment with XXXX lienholder and have not been late for over a year now, but SN Servicing is not willing to compromise and accept settlement or workout. Our calls and faxes were ignored. We made a settlement request in XXXX XXXX but learned only in late XXXX that it was declined, no counter offer, nothing, except recent letter from attorney that states loan is in foreclosure now. Earlier today, XXXX XXXX, XXXX I was finally able to speak to XXXX XXXX at SN Servicing who just demands XXXX  XXXX to bring account current and is not willing to present my request for monthly payment arrangements to investor, she was rude, unprofessional, and once I demanded to record our conversation as she language was unacceptable, she just disconnected the call.

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 2017-11-01
Company: EQUIFAX, INC.
State: HI
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 sent a letter to Applied Bank to dispute the information on all three of my credit reports asking for verification. It has now been over thirty days and I pulled my credit report I have not received a response from applied bank nor have they marked any of my reports disputed within the time frame per the fcra

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I applied for a mortgage and was told by the bank that my loan was denied due to high debt to income value and the derogatory remarks of delinquency on my XXXX credit report. I wrote to XXXX  one year ago to remove this remarks from my credit report because all outstanding loans that were outstanding at the time was paid and settled. I am debt free for 2 years now. I have paid back and settled all outstanding loans, mortgages and debts. My current credit card use is to establish responsible use of credit to rebuild my credit history which was destroyed because of divorce. All credit cards have had no outstanding balances except the current balance for the month. All credit cards are paid on the due date and non have been paid late, yet XXXX continues to report that there are derogatory remarks of delinquency on my account. This is affecting my ability to get financing for a mortgage for a home that I can finally afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
During the week of XX/XX/2017 I contact BOA representatives both over the phone and at the branch to complain about the overdraft fees that were charged to my account intentionally. I complained that the mobile banking transactions that I see always show me that I have sufficient amount to cover my transactions. However, when I check again the same day or a day after, I notice that I was charged an overdraft fee, and the sequence of the transactions were reversed so that an overdraft fee is charged first before my transactions are settled. I also complained that for transactions that occur a week earlier, bank of america still shows it as " processing '' even though the transaction is reflected in my avaiable balance. I showed the representatives what I see on my mobile banking and they could not explain how I ended up with the overdraft fees. Instead I was told never to believe what I see on my mobile banking ; that rather I should always log in to my desktop or laptop to check my transactions. I also complained that bank of america has designed its algorithms so as to intensionally optimize its overdraft fees charges. I also asked why my checks were on hold for more than a week instead of making it available to cover my transactions. I was told that as a new client, my account must be opened for 90 days before my check can clear. So I asked why prior checks were not placed on hold and were cleared within a business day? No one both at the bank and on the phone could answer my quesiton. I have attached pictures of transactions from my mobile banking and how Bank of America intentionally withheld processing transactions until after it charged its overdraft fees. In less than a month, I have been charged almost {$300.00} in overdraft fees.

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 2019-11-20
Company: EQUIFAX, INC.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Date : XXXX To : Equifax Information Service LLC XXXX. XXXX  XXXX XXXX, GA XXXX From : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Strange Activities Verify my identity and Current Address As of XX/XX/XXXX, I see online my credit file My current address is still incorrect on www.MyEquifax.com CORRECTION : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX, MI XXXX - XXXX I was currently rejected credit by a creditor and was told my information I provided did not passed the identity verification per Equifax and it did not pass the current address. Under the Equal Credit Opportunity Act ( ECOA ), I have a Legal right to know why I was rejected credit. 
( 1 ) Tell me ( the consumer ), why I can not currently get a credit card at a bank, any more. 
My last Charge Card was XX/XX/XXXX XXXX XXXX/XXXX  Balance {$76.00} as of XX/XX/XXXX ( 2 ) why, Equifaxs system keeps reading no current address. 

As of XXXX, my issue is, why Equifax is unable to locate a credit file in their database with my identification information I provided. I am currently electronically paying all the creditors list on the Equifax credit file that was sent to me XX/XX/XXXX. I am on a fixed income and I have spent approx. {$20.00} +/- via mailing & certified letters mailing my card + Current Light Bill to Equifax. All copies are originally from the sender and the copies are clear copies by each entity. After talking to an Equifax representative on XXXX, she looked up the copies I sent to Equifax in XX/XX/XXXX and XX/XX/XXXX and she said both my Social Security card and utility bill were received and are clear. If I was unable to verify my identity and current address, why did Equifax send me a credit file dated XX/XX/XXXX _ AFTER I called Equifax on XXXX and passed the phone identity verification and current address. 
Filename : Letter XXXX Box Equifax SEE ATTACHED DOCUMENTS : 1. Credit File : XX/XX/XXXX - Confirmation # XXXX : Already sent 2. SSN Card Already Sent 3. CURRENT : Light Bill 4. XXXX XXXX XXXX Phone log XXXX 5.  Equifax letter dated XX/XX/XXXX XXXX XXXX XXXX + XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I sent a verification letter to excise my rights under the FDCPA to United Revenue Corp to verify the debt. On XX/XX/2021 the company sent me a response letter stated the account has been verified, without providing me with any proof on how they verified the accounts nor contact number to whom they spoken with. On XX/XX/XXXX I called United Revenue Corp due to their response, I stated I have no knowledge of these accounts and need for the company to send me proof of signed documents. The Rep at United Revenue Corp stated that she don't have my documents to verify and I need to call the Emergency Department and speak to the Physician. 

I also

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I faxed a complete modification packet sinceXX/XX/XXXX to Rushmore to be review for a modification. However ; they were refusing to review my packet due to having an active foreclosure for XX/XX/XXXX.I filed an emergency chapter XXXX Bankruptcy the same day of my sale date, and due to the automatic stay they cancelled my sale. Since my intentions are to keep my home, I contacted Rushmore on XX/XX/XXXX and spoke with XXXX XXXX id # XXXX he confirm my sale date was canceled, and he advised me trough a recorded called that he was sending an email to my point of contact so they can start my modification review. <P/>That did not happened when I called Rushmore again onXX/XX/XXXX I spoke with Agent XXXX she told me I have exhausted the times I can be reviewed. I told her that was incorrect because this was never told to me when I faxed them my packet. I told her the reason why my loan was not being review was due to having an active foreclosure. <P/>Rushmore is refusing to work with me, even though I have an increase of income. The last review dated XX/XX/XXXX Rushmore only used {$1400.00} as my source of income. The application I submitted onXX/XX/XXXX I  am presenting rental income since I was able to rent a room in my home for the amount of {$300.00}. My income has increased and I am confident with this new source of income I will be able to be provided an affordable trial payment. my intentions are to keep my home with an affordable mortgage payment. I am tired of trying to work with Rushmore when they dont even want to review my new application. I am an elderly person and I honestly believe Rushmore is using fraudulent and deceptive practices in order to prolong my case making me fall further behind. I am asking for an opportunity to be reviewed for a modification, a fair review.

Company response to consumer: Closed with explanation