BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-31
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
3 years ago my account was in foreclosure. In 2014 I was told to pay {$15000.00}, to bring the account up to date, and I paid the full amount. On my statements there is an unpaid balance of {$2700.00}, initially I was told that it was for legal fees. Wells Fargo have lawyers on retainer in every state, I am not responsible for those fees. I recently received a statement showing an analysis of my mortgage account. The amount of {$2700.00} should have been included in the rears balance in 2014, again I am not responsible for Wells Fargo error. I have been paying my monthly mortgage on time. I am writing to you, to assist with this discrepancy. I tried to refinance and was denied and started receiving notification of this balance. ****please note the property address is not the same as the mailing address. ****

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: WELLS FARGO & COMPANY
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My daughter took out XXXX student loads, which I cosigned. She apparently stopped paying the monthly payments sometime in XXXX of 2015. I was unaware of this until I received a phone call in late XXXX from Wells Fargo, the debt holder. I asked for a statement, and paid the bill when it was received. I then received numerous calls over a period of several weeks and in each instance I asked for a written statement. Each of these statements FALSELY state that I had received numerous prior notifications. That is simply not true. I recieved no prior notification whatsoever. I paid all of these bills when notified, and yet Wells Fargo has now notified all XXXX credit agencies that I am in arrears, which has had a devastating impact on my credit rating. I have always had perfect credit. I acted in good faith to fulfill my obligation as a co signer. Wells Fargo has acted in bad faith, has improperly damaged my credit, and has repeatedly failed to timely notify me of the debt owed, and has refused on multiple occasions to provide documentation when requested. This surely must be a violation of fair credit practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: HONOR FINANCE, LLC
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I 've spoken to XXXX with Honor finance on several occasions about violating my privacy by choosing to send threatening messages regarding the repossession of my vehicle. I 've asked her to either leave a voicemail message or even send via email. But she refuses to listen and continuously have sent messages stating my vehicle is up for repossession via text message. Now if my phone is lying around anyone is able to see these messages when they come though.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: J.S Resolution Group, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a phone call from a representative of a company called " J S Resolution '' threatening legal action against me. I have a recording of this voicemail here : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions 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:
I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX  XXXX Balance : - ; XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1400.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I contacted USAA about my debit card being declined at the grocery store. When I called I was told that we only had {$5.00} in our account. I told the rep at USAA not we should have nearly XXXX. He then proceeds to tell me that there are 3 charges one for {$10.00}, one for {$740.00} and Finally {$3100.00}. I told the guys that these charges where not authorized by me or my husband. I called and reported the fraudulent charges, however ; USAA stated that they can not return our money until they do an investigation. Which is untrue as over the month of XXXX we have both had to have our debit cards replace 2x each and several charges returned to our account. I told the rep that I researched the company that did the charges and they do not exist. USAA has become the worst financial institute to deal with. They do not apply the same rules to every fraudulent case which is unacceptable. I have been banking with them for over 15 years and have never had this many problems. I feel as if our banking account is being access by someone within the company or they have a breech that they are not telling their customers about. I am at the point that I am going to sue them for fraud and for not keeping our account safe. When we first had to report fraudulent charges at the beginning of XXXX they told us that they would notify us of any unusual transactions, however ; they will block our card if we use it at say XXXX buying less than {$50.00} dollars worth of food but when we get charged nearly {$4000.00} they do nothing but tell us there is nothing they can do but open a fraud claim. This is un-true because when I have called in about other fraudulent charges they refund our money right away. and now that someone has cleaned out our account and I reported it within less than 24hrs they wont do anything to help us get it back. They allowed our account to be cleaned out and told us that we have to wait 10 days to get our money back. I told them that this company is our of XXXX which should have been a clue right there. I am a XXXX Veteran and my husband is a XXXX XXXX XXXX XXXX This has caused us a financial burden and has also created undue stress to both my husband and I which has also caused my husband to nearly end up in the hospital from all of the stress USAA has caused us over the last month. They need to be held accountable and treat their XXXX with more respect and undue stress. We have not money, we can not buy food, pay our bills, or even buy gas. This has caused a major hardship on me and my husband.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I recently submitted an application to Navient to release my mother as the cosigner to XXXX of my student loans with the company. I took out this particular loan during the summer of XXXX with an interest rate of 3.5 %. According to Navient if I make on time consecutive payments for at least one year at the interest rate I agreed to when I took out the loan I could apply to have my cosigner released. I have been doing just that for more than 12 months now and I just received a rejection letter from Navient because after pulling my credit report they have determined that I have big debt items on it. The only major debt that I have on my credit report are student loans from Navient/XXXX. I have been making consecutive on time payments with XXXX/Navient since XXXX, so I dont see why I cant have my mother taken off as cosigner to my XXXX loan. I especially think that this is unjust because I have followed their guidelines to the letter and after meeting all of the requirements they have chosen to reject my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: Big Picture Loans, LLC
State: GA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I completed and application online for Big Picture Loans.I was Instantly approved for a payday loan with Big Picture loans for the amount of {$400.00}. When they called me I was informed I was approved for {$800.00}. I was informed to go to my computer and sign the loan agreement. At the time it was showing I was to pay {$280.00} bi-weekly for a total of {$1000.00}. Which is a bit high, but I was in a bind so I agreed to the amount. After completing the application process with the rep. over the phone I was informed the money would be deposited into my account within 24 hours. On Friday morning the money was in my account. I recently logged back into my account and printed out the loan papers showing the schedule when the payments will be deducted from my account. Now the Agreement is showing that I will be pay 993.3438 % interest. Finance charge is {$6000.00}. Total amount owed is {$6800.00}. Now this is Extremely too much to pay on a {$800.00} loan. I am not trying to get out of paying what I owe, however this is highway robbery. And should be against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Big Picture Loans, LLC
State: MS
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I borrowed XXXX dollars from Big Picture Loans.I have already paid them XXXX dollars. I asked them to send me my interest rate after 2 weeks I received it. They want to charge me XXXX dollars for a XXXX dollar loan. This is robbery.and I do n't know how they can do this legally. I can not pay this kind of interest and would appreciate your help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX Enhanced Recovery Company , LLC is still reporting negative account in all XXXX of the credit reporting agency. I have showed them proof that I have paid my account in full, they have investigated and wrote me a letter of apology and promised to contact all XXXX credit bureau to delete my account. 
I have the email letters from comcast to confirm my account was paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-17
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:
Negative accounts reporting on my credit reports that are negatively impacting my credit scores : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I get numerous calls per week from ERC trying to collect a debt for someone I do not know. I have told them on several occasions that I have had this number for less than a year and am not the person they are looking for. They continue to call from different numbers even though I have asked them to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-25
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
In examining my credit report I see an open account for {$26.00} that I was not made aware of. The account is only active on XXXX reports, but shows no balance on XXXX of them. The company continues to report this balance even after attempts to remove and pay the {$26.00} supposedly on file for XXXX reporting agency. I have made multiple attempts to contact and have left a message to resolve, but have not received any reply to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: ERC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
ENHANCED RECOVERY CORPACCOUNT NUMBER : XXXX XXXX XXXX, XXXX, FL XXXX : XXXX. Fax : XXXX Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify credit collection services or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : ENHANCED RECOVERY CORP INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXX SEC # XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have not had an account with XXXX since XX/XX/XXXX. This account was in collections in XX/XX/XXXX. Suddenly, it is being reported as opened in XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Transunion continues to ignore all of my requests for investigation of wrong information on my report, Transunion has not notified me of any changes or investigation. 
I have received no emails nor letters from Transunion, addtioanlly I pay for the monthly service and see no alerts or notfications

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 2022-02-28
Company: SLM CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On approximately XX/XX/XXXX I applied for. Sallie Mae credit card from an email solicitation. On XX/XX/XXXX I received an email with an attached document from Sallie Mae stating " we could not validate your identity '' and they had not opened the account. I called Sallie Mae that same day and they instead stated the reason was " the application had expired ''. I had received no communication from Sallie Mae regarding the application from the time of applying until the XX/XX/XXXX email. I was told on the XX/XX/XXXX phone call I would need to apply again which would result in a second hard credit inquiry to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I had a mortgage account ( XXXX ) with XXXX XXXX XXXX XXXX for a residential property ( XXXX, XXXX , XXXX ) which originated in XXXX. I was late on some payments due to loss of business income. The property was underwater - I owed more than the value of the home after the economic recession of XXXX. I attempted in good faith to apply for forbearance or a loan modification. I believe XXXX misapplied payments and was charging more than was owed as far as penalties, etc. In XXXX, XXXX foreclosed on the property - the loss mitigation department insisted we had not complied with all the necessary paperwork which is false. We chose not to sue or take the case to court as we wanted to move on. XXXX ( and XXXX XXXX XXXX ) has since settled with the CFPB and state attorneys general to provide {$120.00} XXXX in refunds to foreclosure victims. I do not qualify as my home was foreclosed on after XXXX XXXX, XXXX. However, this foreclosure was fraudulent as far as XXXX 's use of robosigning documents, etc. Therefore, this item should be taken off my credit report immediately. I have contacted both Transunion and XXXX to explain why this should be taken off my credit and they have not only failed to do so but did not explain why or outline what steps they had taken to investigate with XXXX. Unfortunately, in the intervening years, I did not keep copies of my loan modification paperwork with 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 2016-03-18
Company: CAVALRY INVESTMENTS, LLC
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received validation but no signed contract with this collection firm. I do not agree with the data on the statements or the date of charged off. Please assist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am a victim of identity theft. Trans Union willfully violates the FCRA law. On XX/XX/2016, I submitted a dispute to Trans Union via certified mail to them send me verifiable proof of the original signed contact by me with my signature on it for proof of each account listed on my credit dispute as actually belonging to me as stated per FCRA section 609. Trans Union sent me of a copy of there completed investigation dated XX/XX/2016 saying the accounts on my credit were either verified or new information was provided without the support of any documentation of a physical verification of the original signed consumer contract by me to support the results of their investigation of each accounts listed on my credit dispute as belonging to me. My complaint is that Trans Union did not perform a " reasonable investigation '' because they did not send me any physical documentation that support them reporting debt or public record is in fact mine. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise, anyone paying for there reporting services could fax, mail or email in a fraudulent account. These account must be deleted from credit file. I have been greatly affected and my score is suffering as a result.

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 2016-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a 2013 bankruptcy that was placed on my credit report. I have been trying for over 6mths to get this entry remove and deleted.I have spoken to several agents in regards to this public record. I called the credit bureaus to verify how they obtain they information on public record..I was informed that carriers gets the information from the court house and then brings it back to the Credit Bureaus for input.So I asked that information/form be sent to me cuz I needed proof of this information.I was told they can not give me that information. After doing my own research I learned that is Absolutely incorrect information.The court system DO NOT disclose, release or VERIFY ant information wit The Credit Bureaus or Any 3rd Parties. so with that information This bankruptcy entry needs to removed and deleted from 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 explanation