BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-30
Company: WELLS FARGO & COMPANY
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
when wells fargo took over wachovia. a line of credit was used. we had just declared bankruptcy. so this makes zero sense if we were not going to pay them taking the XXXX withdrawals out a month before. and included it in bankruptcy .... they [ wells fargo could produce nothing showing us we opened this account. I even went to their fraud dept. we were harassed and had neg info placed on our credit. we finally paid it during a divorce. this was fraud against us. 
they kept renewing the debt my conning me to make a payment this went on for 10 yrs

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 2017-04-04
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have Navient for a servicer. In XX/XX/2016 I contacted them to apply for the Non-Profit Loan forgiveness program. I was told I did not qualify for the RePAYE program ( income driven ) to pay the loan down within the 10 year non profit forgiveness program, when in fact I was eligible and qualified. A year has passed now and if I want to get on the program my payment will now be considerably larger and I have lost 1.5 of the 10 years of qualified non profit employment. I even went to studentloans.gov where it stated I was eligible bur Navient refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
The card is Best Buy. In XX/XX/XXXX I made a purchase. The purchase agreement was for extended payments until XX/XX/XXXX. I paid each month {$100.00} when my fee was only $ XXXX- {$27.00} I was charged Late FEES! of $ XXXX.For a total of {$60.00}! I paid the balance off without late fees in XX/XX/XXXX. I then made a regular purchase on XX/XX/XXXX for {$470.00}. When I received my statement, Best Buy says I owe XXXX! I tried calling them to clear this up. I spoke to XXXX people from a foreign country who could barely speak English! .When I asked for the United States XXXX they gave me to another foreigner who spoke better English and said they were from Idaho ! I do not know what is going on at this Best Buy credit card company, but it is not right. I will not pay charges I did not incur or owe. I paid my bill in full. Why am I still accrual charges? This is fraud by Best Buy credit card. Then they called me back after I told them I was at work! Why would they do that? I am not in arrears. The number that phoned back was : XXXX. According to XXXX, that area code is in Tennessee. Why are they telling me they are in Idaho? 
I ask you to look into this matter and find out why I am being charged an extra {$59.00}?

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 2017-04-05
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I had obtained a private student loan from XXXX/Naviant to attend XXXX. 
After attending the classes I had obtained other financing which was paid to the school directly. 
XXXX/Naviant was issued a check directly from the school refunding the proceeds from their loan. The check was cashed by XXXX as you will see from the attached documents showing the deposit stamp on the back of the check. 
XXXX also received a XXXX dollar cash payment which I also have the payment receipt from XXXX as well. They have received this money as well as the payments that they were auto drafting from my account during this time period. 
They have stated the remaining balance is due to service fees and late fees but I have been fighting them for several years on this matter. 
I have reviewed the postings on the internet stating that XX/XX/XXXX and Naviant were guilty of false charges as well as misleading the clients on repayment and late charges etc. 
I have been contacted by numerous collection agencies ( XXXX ) over the past several years and then after I send the documents that i have the collection agency stops contacting me and then XXXX/Naviant just hires another agency and the process starts over. 
The school that I had attended has even been involved I have recently hired XXXX to attempt to get this removed from my credit bureaus. The law firm advised me to file a complaint with you as well to aid in the process with the history your company has with XXXX/Naviant.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: Colony Brands, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company ( Collection Bureau XXXX ) accepted funds to legally settle a debt ( Montgomery Ward ) but never provided information that the debt was settled. They never refunded me or the debt management company XXXX XXXX XXXX XXXX XXXX I was enrolled and working with. I would like for them to refund my money. My account was paid off by me in full. If they had actually completed the settlement when they received the funds my credit report could have been updated correctly for a long time prior to me paying the debt off in full. XXXX responded to me about the arrangements are as follows : Montgomery Ward - XXXX. And the rep confirmed the same Account Number to me as well. 

The settlement we had worked out with Collection Bureau XXXX was for {$120.00} on the balance of {$240.00}. We paid off the amount in the manner as follows - {$62.00} on XXXX/XXXX/2013 -- Check By Phone payment. 
{$62.00} on XXXX/XXXX/2013 -- Check By Phone payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card
Issue: APR or interest rate

Complaint:
I have a credit card through Capitol One. I have had it since somewhere between XX/XX/XXXX and XX/XX/XXXX. Recently I noticed that the interest rate of 6.99 changed to 7.24 in early XX/XX/XXXX and then changed again this past month to 7.49. I am told it will change again. Then I noticed on the statements that the entire " balance [ is ] subject to [ this new ] interest rate ''. My balance on this card is currently at around {$19000.00}. I contacted them and they said that because it is a variable rate card ( how can it be variable if it remains 6.99 percent for nearly a decade? ) if the prime changes, they, the issue can change the interest rate on the existing balance. However, according to the CARD act of XX/XX/XXXX, " Issuer can not increase the annual percentage rate on your existing credit card balance '' ( source : credit.com ) ''. This should apply to my card since it has not varied in a decade. But let us suppose this card is variable rated, XXXX goes on to say in regard to variable rate cards " A credit card ( issuer ) may raise the rate on your outstanding balance if it has been temporarily lowered during a " workout '' or temporary hardship arrangement you either completed or left. '' Neither does a " workout '' or " temporary hardship arrangement '' apply to me as neither have ever been requested by me or given me. Therefore, this does not apply to the existing balance on my card ( that portion, well over XXXX dollars which existed before the 6.99 was elevated higher. I ask you to assist me, if it is possible, to have Capitol One rectify this situation for me and for others like me to whom this applies. For background sake ; my wife and I are excellent credit risks ; both in the high XXXX, and have never missed a payment on anything in our life. I had always been operating under the impression that the interest rate under which a purchase was made, would be the the interest rate which would always apply to the existing balance of previous purchases. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I got an Identity Theft Report done and sent it in to the credit bureaus and they would not remove the information that was incorrect. 

( Derogatory Marks ) XXXX XXXX- Opened XX/XX/2021, for {$580.00} ( Inquiries ) XXXX- XX/XX/2021, and XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: Recovery Solutions Group, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is calling a family member of mine XXXX on her cell XXXX and her home XXXX. She has only been in her home for XXXX years. They are skip tracing and calling her illegally asking for me. She is XXXX a XXXX and has health issues. She says they called her several times. She also told me they adviced her they would be calling my place of employment if I did not contact them immediately. She just told me about this on XX/XX/2016. The number they are calling her from is XXXX. I called them at XXXX pm on XX/XX/2016 a lady answered I asked her for the name of the company she stated Recovery Solutions I told her my name and adviced her to stop calling my cousins number who is XXXX. I provided her cell phone number to her and asked her to remove it. Than I asked her why they were calling on old debt more than XXXX She stated it was from a check company they were filing paperwork for a warrant which is false information to intimidate people. I asked for her name she hung up on me. I called the number back XXXX times she answer than hung up. I waited a few minutes called again a man answered I asked for his name XXXX XXXX. I asked for the ladies name I just spoke to and advised him she hung up on me. He put me on hold after XXXX minutes the call disconnected. I know he had trans me to her she hung up again. I want for me and my cousin to be compensated for every time they called her cell number and home number and harrassed her and for providing false threatening information used to intimidate. That lady needs to lose her job whoever she is.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Quality Recovery Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We lived in apartments in 2013. I was 7 months pregnant and our ac was broken. We called maintenance everyday. they kept telling us it was fixed and it never was. We told them we were going to call code on them. They told us we could move out and not to call code and they would give us something in writing and never did. We moved out and they did n't put it on our credit report for 2 months. We found out that the apartments were sold 2 months after we moved out. We have contacted the current owners and they say they have nothing on us. They told us they may have sold the debt to Quality Recovery Services. We were never notified that this was being placed as a debt. They only reason I found out is because I checked my credit report. Also I have disputed this on XXXX and I sent them a paper requesting documentation of who the managers were, who they maintenance workers were, who owned the complex, ect. I have not received any documents from them telling who they were. They have now put this on our credit report XXXX times. XXXX for the XXXX of XXXX and XXXX for the Quality Recovery Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: DC
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 recently got a copy of my credit report and I noticed accounts that I do not recognize and did not authorize.

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 2016-08-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am behind on my mortgage payments and am going through the short sale process. I have submitted all my paperwork to Wells Fargo and they are currently reviewing everything. I also have an offer on my home which I have submitted as well. I now have a foreclosure sale scheduled on XXXX/XXXX/16 and they are telling me they do n't know if it will be postponed. I am reaching out for any assistance you can provide in getting the sale date postponed. Thank you in advance for any help you can provide.

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 2017-04-05
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is ignoring my numerous requests to investigate and remove accounts from my credit report that were opened fraudulently.

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 2016-05-01
Company: Rossman & Co & PCB
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
ROSSMAN & # XXXX reported an account that was in a Bankruptcy and need to be updated properly. The original holder of the account was # XXXX This is a error and needs to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: DC
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 recently got a copy of my credit report and I noticed accounts that I do not recognize and did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo Mortgage has failed to provide one point of contact to assist in resolving issues. There is at least one cleared payment that has never been recorded for primary mortgage XXXX, now changed to acc. # XXXX. Documentation was presented to prior representative that responded to my prior complaint with the CFPB. Repeated requests to correct and credit this payment and additional fees have failed. In addition, XXXX mortgage account # XXXX, now changed to acct. # XXXX, is not properly applying my payments. According to XX/XX/XXXX statement, payment dated XX/XX/XXXX is being held as " unapplied '' ; the balance does not reflect the payment. This misapplied payment on the account, formerly # XXXX, is repeating the previous situation where all payments were misapplied during XX/XX/XXXX/XX/XX/XXXX. There is no reason or excuse for not applying payments received.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: ALLY FINANCIAL INC.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I called Ally Bank on XXXX/XXXX/16 for a loan extension I was told it was accepted then from XX/XX/XXXX to date I have been getting collection calls from XXXX something more than 4 a day. I called Ally and spoke to US people three times over 5 hours on the phone with promise of call back and resolution never a call back. The on XXXX/XXXX/16 I posted this on Ally XXXX XXXX called from Florida and said she would call back and never did I left many voice mails. XXXX even asking to do a extension now never a call back

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 2017-04-06
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed my auto loan account, XXXX ( XXXX ) with Experian, due to the fact that the status updated is reporting inaccurately ( XXXX 2016 ). I have also reached out to XXXX in regards to this matter. Both XXXX and Experian have failed to correct the inaccurate information reported on my credit file which is a violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I contacted XXXX XXXX on XX/XX/2022 in regards to my XXXX installment loans. I informed them that I had recently suffered financial due to being unable to earn income while I deal with COVID omicron here in XXXX. They entered me their " Temporary payment and interest rate reduction '' program. During this time I had also requested for my due date to change so that it would be easier for me to make my payments. The female representative said that is not a problem. 

Fast forward to late XXXX and I am not feeling well but have my payments on autopay. Then on XX/XX/2022. My FICO score drops XXXX points. 

I contacted XXXX XXXX on XX/XX/2022 @ XXXX to discuss XXXX XXXX account # XXXX. He then transfer me to a XXXX named XXXX @ XXXX on XX/XX/XXXX. 

She informs me that XXXX out of my XXXX payments was returned by my back. And I informed her that I didn't receive a letter from XXXX XXXX about the payment return. XXXX then continued to say that XXXX XXXX sent an EMAIL and tried to call. I told her that I didn't receive any voicemails or emails ( maybe they went to XXXX ). She then put me on hold to talk to her XXXX and returned @ XXXX. 

I tried to explain to her that XXXX XXXX needs to remove the 30 day late on my credit report since I was not late and had asked to change my due date in XXXX. XXXX said no and that my 30 days late accrued on XX/XX/XXXX. I tried ( close to XXXX ) explain that did everything I could to avoid ever receiving a late payment on my credit file. XXXX XXXX said to me that it's not XXXX XXXX problem. And was very insensitive to me. 

After doing some research I realized that XXXX XXXX is in violation of the Cares Act and these other laws below : In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, has violated my rights. 

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 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06
Company: Credit Karma, LLC
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My social security card and permit were stolen. I had filed the police report with a lack of support. This year someone has been trying to open cards and cell phone services using my information. I do not know what other steps I should take.

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 2016-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
A charged off item from credit XXXX bank was reported on my credit. The item was sold to midland credit management and they in turn got lawyers. I got lawyers from the fair trading commission and the item was litigated and settled. MCM removed the item as was asked to. However transunion has now relisted the item from credit XXXX on my account giving it another XXXX yrs until removal and it was already listed for XXXX. I did not initiate this as this was instruction from the lawyers. How is this fair for me? That is the reason my credit score did not move and even went down by XXXX point by transunion. This is victimization of the public by a credit reporting bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 accordance with the Fair Credit Reporting act.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX has violated my rights.

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

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 2022-04-18
Company: EQUIFAX, INC.
State: MO
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 accordance with the Fair Credit Reporting Act, Equifax has violated my rights by reporting the following accounts in violation of Federal law. 

XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # 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 : Also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation