BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: Other

Complaint:
XXXX report dated XXXX/XXXX/2016 showed Wells Fargo Card Services, Credit Bureau Dispute Reso, XXXX XXXX. XXXX XXXX, XXXX XXXX, IA XXXX has requested XXXX separate inquiries for credit history. On XXXX XXXX, 2016, XXXX, current employee of Wells Fargo stated after the original inquiry for approval no additional credit inquiries are needed. On XXXX XXXX, 2016, XXXX, a current employee of Wells Fargo, was contacted. XXXX stated credit inquiry would be requested only once, unless the customer requests a credit increase. On XXXX XXXX, 2016, XXXX, a current employee of Wells Fargo, was contracted. XXXX stated the credit inquiries are ran just once. However, XXXX credit inquiries have been made to obtain copies of my credit history. 
According to the employees this is in direct violation to company policy. Wells Fargo is the third largest Bank in the United States and does not have employees running credit inquiries on a monthly basis for the large number of customers that they have. My account is in good condition, an credit increase has not been requested, and I am not involved in any type of debt resolution with Wells Fargo. It is my belief the inquiries are not being used for a work related reason. Therefore, I am requesting an investigation into what my credit history is actually being used for and who is this information being given to since the company does not have any use for the information.

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 2022-07-25
Company: EQUIFAX, INC.
State: PA
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:
It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/2021 XXXX Date of inquiry XX/XX/2021 Equifax XXXX - Date of inquiry : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, US DEPT ED, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: IQOR US INC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls more than 6 times a day. I answered twice and let her know I was aware of what I owe. Please stop calling and then I hung up but they continue to call ( all day long XXXX to XXXX several times ).

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 2016-05-28
Company: CarMax, Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
CarMax auto finance has taken advantage of our family, gave us a high interest rate, we have paid over 4 years now and tried to work a settlement offer and refinance for a lower payment and they will not cooperate whatsoever. We are having financial hardships, my husband has been on XXXX leave and I am a XXXX XXXX XXXX that works only 9.25 months a year. We have tried to contact the company with a reasonable settlement to deliver the car as a voluntary repo with a settlement paid status so they do not come for the balance since the car has been paid in full from the price sold, they can still sell it and make more money off the interest. We have spoken to over XXXX customer service representatives and XXXX managers and have had no luck in getting any type of arrangement made in writing. They will not work with us at all and are very unhelpful. We feel they have discriminated against us because we are minority with this high interest rate and we have paid and made payment arrangements in good faith. They are unwilling to help our family in need we have XXXX children and my husband still remains on XXXX. We feel the offer was fair and given our circumstances and true inability to pay any longer and our family is now in a desperate situation requesting the company 's assistance to come to an amicable arrangement. We know it can be done and has been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25
Company: Experian Information Solutions 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:
This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Experian, XXXX and XXXX are require to remove any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX  XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX US SM BUS ADMIN ODA Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX; XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/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 2022-01-21
Company: Experian Information Solutions Inc.
State: VA
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:
This is a checking account opened by my mother in XXXX  and I was authorized user, this credit union has changed names and or closed and they have reported this account which we closed as a charge off with XXXX $ balance. this is reported incorrectly and there is zero balance and nothing is owed and should not be a charge off. I have tried to correct this through experian and the bank

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 2020-06-18
Company: Experian Information Solutions Inc.
State: AL
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 A COLLECTION ACCOUNT ON MY CRDIT REPORTS FROM A COMPANY NAMED XXXX XXXX I AHVE EVER HAD ANY TYPE OF ACCOUNT WITH THSI COMPANY, THIS COMPANY VIOLOATES ALL OF ANY PERSONS HIPAA RIGHTS BY REPORTING TO THE CREDIT BUREAUS.,

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 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, US DEPT ED, 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 explanation
Consumer complaint received 2019-10-20
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit and I noticed an account for CHOICE RECOVERY in the amount of {$210.00} with the ORIGINAL CREDITOR as XXXX XXXX XXXX. First, this debt is a violation of HIPPA rights, as I did not sign a release to have my medical records, including costs, shared with any outside agency. Second, I never received any correspondence from the medical facility or the doctor after my emergency care as I made sure they knew that I was indigent and had no income. Third, I have a right to be notified with proper instructions on how to dispute, according to the Fair Debt Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Maximus Education, LLC dba Aidvantage
State: IL
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:
Department of EDXXXXt violated the United States Code Law. As detailed in 15 U.S. Code 1666b, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

In XX/XX/XXXX, I received notification that my credit report had 5 late payments reported from the Department of EDXXXX XXXX This was the first time I was aware of payment being required as the Department of EDXXXX never sent me communications via email, postal mail service, or via telephone that payments were due on the account. When I soon got notice of the account, I began making payments on all 5 student loan accounts immediately. I continued payment on all accounts and in XX/XX/XXXX I paid off all accounts successfully. I submitted hardship letters to the Department of EDXXXX requesting they grant me a Goodwill Request as the 5 late payments hindered and continue to hinder my approval to buy a new home, and from being approved for new lines of credit. This has caused me to face many hardships. 

The Department of EDXXXX has continuously refused to not respond to my letters and has violated my rights as a consumer. 

Please consider this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: BB&T CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
For a number of years I have been trying to refinance my mortgage with BB & T bank at a lower interest rate in order to lower my mortgage payments to help me and my family to pay more on our high credit card debt. Despite my excellent payment history with BB & T in regards to mortgage and other loans with them, they refuse to offer me a mortgage at a lower interest rate stating that my credit score is too low and that my outstanding commercial loan balances XXXX credit card debt ) is too high. This has been very frustrating for me as I realize that the answer to me improving my credit score is to lower my outstanding commercial debt. But it is difficult for me to accomplish this at my current mortgage interest rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
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 have no idea if these calls are coming from Capital One [ ( XXXX ) XXXX ] or XXXX XXXX - XXXX XXXX XXXX [ ( XXXX ) XXXX ]. However, I have spoken to both companies and stated that I only speak to companies whose Company 's callerID come through. The phone numbers that come through are described as either Non-Fixed VoIP, VoIP or Unknown. The four telephone numbers that have come through just over the last two days alone have been : Unknown @ XXXX on XX/XX/2020 ; ( XXXX ) XXXX @ XXXX on XX/XX/2020 ; ( XXXX ) XXXX @ XXXX on XX/XX/2020 and XXXX and XXXX on XX/XX/2020 ; ( XXXX ) XXXX @ XXXX, XXXX, and XXXX on XX/XX/2020 and XXXX and XXXX on XX/XX/2020. Last week on Thursday, I had 6 Unknown calls alone. This is what I call harassment when I had spoken to a representative with both companies and CLEARLY stated that the only way I speak and confirm ANY information is when I see a company name and phone number showing in my callerID. The representatives do not seem to either care or know how their numbers are showing up in people 's callerID since the representatives had demanded me to verify who I was. Also, with all of the calls, none of them appear to leave a voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: EQUIFAX, INC.
State: LA
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:
my identity was stolen someone has received medical care, insurance, housing, loans, etc, in my name. i recently found these findings when starting to monitor my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX I met with First American Title Company to process the closing of my mortgage refinance. Part of the deal, as stipulated by the bank, was for them to withhold some of the money owed to me and use it to pay XXXX credit card bills : XXXX and XXXX XXXX, around $ XXXX in total. 
As of today, XXXX, none of these bills was paid. Their representative, XXXX XXXX, did not return my calls for the past week, and yesterday, abruptly notified me by email that they put a stop payment on the check that they supposedly sent to XXXX and XXXX XXXX, and they will send replacement check to me personally, so I can forward these to the CC companies. He did not ask or receive my authorization to cancel these checks, instead refusing to take my calls and avoiding any communication with me. I questions whether these checks were timely sent at all. 
In the interim my CC bills risked becoming past due, and accumulate fines and interest ( I always pay these on time to avoid interest payment ) so I paid them myself. Not sure what to do with the checks that First American is about to send to me. They suggest that I send these to the CC companies, have them cash the checks, and then ask for a refund, once my account has a positive balance. This is time consuming and expensive. At the end it will take me over a month the recover the money due to negligence on the part of the title company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: Specialized Loan Servicing Holdings LLC
State: IN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
SLS is the mortgage service provider and they are not providing me assistance. I applied for a modification and I had done a quit claim deed on the property to leave my wife XXXX as the only XXXX on the loan since she is also the co-borrower on the account. The reason for this is because we were having issues as a couple, but SLS wanted to see a divorce paper which we didnt have and we had informed them already. This is the reason they denied us for a modification dut to missing documents, they wanted to see a divorce paper, I informed them that there was none and instead of reviewing me with what they had as a complete packet they denied me for missing documents. I will be attaching all complaint and appeal letters I sent out to them. Another issue was that I had filed bankruptcy pro-se on XXXX XXXX XXXX because they said there was nothing else they could do, but I knew they were not helping me. I had a sale date coming up and the bankruptcy was done a day before and they were able to stop the sale date since I was already protected under the automatic stay. I was unable to finish the bankruptcy because I have been in and out of the hospital due to health issues and SLS already knows this, I had XXXX already. When we applied again on XXXX XXXX I had a sale date for XXXX XXXX. This is the time when they were asking for missing documents which was the divorce paper, they wanted us to divorce or something because they kept asking for that. So I filed bankruptcy on XXXX XXXX a day before just like last time, but they said that the sale went through and that there was no stay, even though the court confirmed that I was protected under the automatic stay. I have been fighting with them, my intentions were to keep my home. I didnt even have the chance to finish my bankruptcy because they kept saying that even if I finished it, my home sold already. This is very unfair! I never got a fair review on my modification even though they had all documents. The strange and concerning part is that even though they say my home sold on XXXX XXXX XXXX, I received a complete packet with a letter on XXXX XXXX, XXXX ( that im also attaching ) that I am eligible to apply for a modification and to submit everything again. This is very disturbing and I need an investigation to be opened please.

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 2016-07-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Balance paid in full XX/XX/2014 through XXXX XXXX XXXX. I also filed disputes with all XXXX credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, I received an email from Citibank stating they reduced my credit line from {$8400.00} to to {$7800.00}. In XX/XX/XXXX Citibank made a decision to reduce my credit line from {$9400.00} to {$8400.00}. This credit card company reduced by credit line twice during the Covid Pandemic. I'm not in default with this company and have a good pay history with them going back 3 years. Every time they reduce my credit limit it hurts my credit score. I feel this business practice is very aggressive and in response to market conditions and not my ability to pay or my credit rating. I never requested a deferment during the pandemic, I continued to pay and pay ahead. This is unfair business practice.

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 2016-04-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
SPS Loan Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CA XXXX This short sale was started XXXX/XXXX/2016 with SPS. SPS has been repeatedly obstructive to the short sale process since the beginning. There have been other issues to which I should have filed a CFPB complaint in XXXX, but did not. However, their obstruction of this short sale has not ceased and I am compelled to file this complaint. 

SPS 's 'new issue ' with this short sale is claiming that they must have an authorization that matches the listing agreement, the addendum, and XXXX TD approval. Requiring an addendum that matches the listing agreement is not only NOT a valid requirement for a short sale, but this has ALREADY been sent to them. It was sent to them on XXXX. We have since confirmed FOUR TIMES with the negotiator that the authorization IS IN FACT in their system. 

SEVEN times we have confirmed with the negotiators at SPS that they have received the addendum. Then we follow-up three days later, and EACH OF THE SEVEN TIMES we are told that the underwriters are STILL missing the addendum. 

SPS claims they will move the XXXX XXXX approval requirement to a prior-to-close condition. I have no faith they will do this without further obstruction. 

SPS will continue to behave in an obstructive and fraudulent manner in this short sale process until someone makes them stop. 
To the CPFB I request that you PLEASE do something about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation