BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I had a previous modification with Wells Fargo and was making payments on that modification for several years and remained current. The XXXX, the XXXX loan, was problem. I attempted to reach out to them to negotiate a payment plan. I had difficulty working with XXXX, getting a hold of them specifically, and they were unwilling to consider any type of payment plan outside of the entire note. I was n't even asked for my income for consideration for a modification, although, I could have afforded the loan in reasonable monthly payments. 
I prepared to borrow money to pay the entire note XXXX, and I could only get {$50000.00}. The XXXX representative informed both me and the money lender I had retained that they, XXXX XXXX, had a buyer for the note. At this time, the loan had not gone to foreclosure auction yet. 
I had filed for bankruptcy, but XXXX sold my XXXX loan at auction XX/XX/XXXX. Since I was in bankruptcy, the bankruptcy judge informed my lawyer that my lawyer had to get my property back. A 3rd party who purchased this note is currently being indicted for auction rigging. 
Recently, XXXX XXXX, my father, who is also on the loan, received a call that our Wells Fargo loan was all paid up. We confirmed this with XXXX XXXX 's office that another bank loan paid off the XXXX, effectively removing me from having anything to do with the property. 
I have now lost my home and my equity since Wells Fargo, despite several attempts to contact them, will not explain to me what happened.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: Comerica
State: FL
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Unauthorized transactions/trans. issues

Complaint:
I receive XXXX for my son on the XXXX. On XX/XX/XXXX I went to the atm to take out money. The machine said I was exceeding my balance so I checked online. Noticed that someone in XXXX had withdrew XXXX $ from my card. I had my card the entire time. So I contacted direct express immediately. Filed the claim for fraudulent transactions. They told me I needed to write a letter or wait for their paperwork and send it back. I decided not to wait and sent out my letter on the XX/XX/XXXX which the confirmed they received on the XXXX. To this day of the XXXX I have yet to receive their paperwork. I call them everyday and all they tell me is I have to wait for them to complete the investigation which will take 45-90 days to receive credit. I am being evicted from my home as this is my only income. I have done everything they have asked and no credit. They also charged me for a new card which is n't fair since I have my old one and charged me shipping.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: NY
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:
I sent out a request to Equifax which they received on XX/XX/2022 to BLOCK and delete the transactions on my consumer report identified as identity theft. I explained in my letter in detailed that my request to block was NOT made in error, my request to block information was NOT based on a material misrepresentation, as well as the information identified is not information relating to any transaction by me the consumer. 

The company said that they are denying my request to block and delete these transactions because of one or more of the following reasons below based on the company 's review that : 1 ) your request to block was made in error, 2 ) or, your request to block information was based on a material misrepresentation, 3 ) or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block. 

I explained to Equifax, I specifically wrote this is my original letter sent out to EQUIFAX as well as what steps did XXXX and these companies take to VERIFY THAT I ACTUAL HAVE THE POSSESSION of these items. how can they prove this? XXXX XXXX, XXXX XXXX, XXXX XXXX AND EQUIFAX keeps reporting this information which I also never gave them permission for. How are they verifying that i am NOT a victim of identity theft. when I am a victim of identity theft! 

I called serval times and spoke to different Equifax representatives and said they can not continue to report this information on my consumer report and they said they can because the companies verified that this is accurate? but what about my rights? what about my PRIVACY? do i have a right to privacy especially when this resulted from identity theft? 

HOW? how can they determine that this is NOT identity theft when I'm making a COMPLAINT that this is identity theft. This request was not made in error. Please I attached a FTC report my driver license! Please delete. EITHER prove that i have the actual possession of the item? EITHER PROVE WHERE IN MY HOUSE THESE ITEMS YOU SAY I HAVE ARE? OR DELETE THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
THERE ARE XXXX BANKRUPTCIES REPORTING ON MY CREDIT STATING DISMISSED IN XXXX & XXXX THAT DO NOT BELONG TO ME. THE CREDIT REPORTING AGENCIES HAVE REFUSED TO DELETE, NOR PROVIDE PROOF THAT THESE ITEMS BELONG TO ME. THEY ARE HURTING MY CREDIT AND WONT ALLOW ME TO QUALIFY FOR A MORTGAGE. THEY SHOULD NOT BE ALLOWED TO REPORT INACCURATE INFORMATION THAT CAN CAUSE DAMAGE TO A PERSONS CREDIT.

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 2016-04-13
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I went to Wells Fargo bank in person in XXXX nj to close my account. I signed card at bank and withdrew money I had left in account. I was told account was closed and at XXXX balance. In no way did i authorize any transactions after the account was closed yet transactions continue to be put through. I have contacted all merchants as well as the bank and filed a dispute for each attempted transaction. Wells Fargo is the worst bank I have ever dealt with.

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 2020-06-08
Company: Conduent Incorporated
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I am a XXXX XXXX XXXX XXXX XXXX out of work now for 5 months. The DEO website for FLA is still unclear in recognizing the COVID relief benefits promised to individuals like myself. I received the letter attached but no Way2 card. I am happy this seems to promise relief but when do I receive the actual card? Who is the bank? And how do I deposit this card money in my bank for overdue bill pays? Lastly, do I need to report income somewhere if my business picks up? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: WELLS FARGO & COMPANY
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have repeatedly told Wells Fargo Dealer Services that they can only contact us via mail or XXXX phone number. They have violated this notice on 3 separate occasions, XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16. XXXX XXXX XXXX, a supervisor, has no explanation of why they continue to violate federal law. Wells Fargo has been told to only contact us at our home number of ( XXXX ) XXXX, however, they continue to harass us and contact me at work and on my cell phone. They have contacted me 3 different times at a phone number not authorized for contact.

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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Please investigate and delete the following accounts as the last payments on these accounts were made more than 7 years ago : XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX Credit Card account XXXX XXXX. XXXX XXXX XXXX  account XXXX XXXX. XXXX XXXX XXXX account 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 2023-01-17
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-08
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XXXX-20, attempted to register with XXXX XXXX and was told that identity could not be verified and to call Equifax.

On XXXX-20, attempted to talk with Equifax on the phone 2 times but was hung up on during the information verification process. Then attempted to file a dispute on their website online and encountered an error saying that I need to call Equifax customer care.

At this time, can not access my credit report and can not reach Equifax to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
XXXX phoned me to collect on a loan taken out in my name from an online cash net on XXXX XXXX 2014. They had my ss number part of my birthday my physical address, phone number, my daughter 's drivers license and my simulates email. They deposited the money into her bankaccout. I believe my soninlaws did it. How could they processed it without my signature? I made a police reported.

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 2016-07-15
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I co-signed for my ex-husband student loans. My ex stopped paying them, but the lender never notified me he stopped paying. They sent debts to collector who started harassing me at my job to pay loans in full. I tried to refinance them, but could not because they are not my student loans. I have been making monthly payments to fulfill my obligations, but I still get harassed every 6mos demanding full payment. No one will refinance the balance and no one notified me when loans first become delinquent. I 've been working with lender, but this still reports as delinquent collections on my credit despite the fact I 've been paying for three years and was never notified until 12 months after payments ceased. Do n't lenders have an obligation to notify co-signers before the negatively report credit? Should n't I get a second chance after three years of on time payments? My credit is suffering because lender never tried to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: KY
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:
I requested a copy of my credit report from XXXX and discovered that credit reporting agencies are reporting erroneous information in my credit report. The Credit Reporting Agencies have not responded my dispute as of today 's date. The Credit Bureau is required by the Fair Credit Reporting Act to complete their investigation within 30 days. Please review the payment history, date opened, most recent activity, and status of XXXX XXXX Account XXXX as I believe it was reported incorrectly, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts as I believe it was reporting in error : XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$980.00} XXXX XXXX XXXX Balance : {$1400.00}

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 non-monetary relief
Consumer complaint received 2020-06-01
Company: Experian Information Solutions Inc.
State: AR
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:
My identity has been compromised. I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$520.00} XXXX XXXX   XXXX {$340.00} XXXX XXXX XXXX {$550.00} US DEPT ED XXXX {$4800.00}

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 explanation
Consumer complaint received 2021-09-01
Company: HW Holding, Inc
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My husband and I owe a debt for leaving a leased apartment early and breaking that lease. We are not disputing that debt. We have agreed to pay automatically {$400.00} per month to resolve the debt over time. The debtor is not reporting that we are paying as agreed, and further, they are increasing the balance monthly regardless of the payments when reporting to the three credit agencies. 

When I contacted them, they refused to report it correctly on my credit report stating, 'how do we know you will continue to pay us after we give you a letter reporting you are paying as agreed, we've been burned before '. 

Additionally, in the comments section of the reporting, which is being re-reported every month, they note that this account is being disputed, which is not true. They continue to do this month after month. They say they aren't doing that however when I call the 3 credit reporting agencies, they report that this is happening monthly. The company is bullying us and wants us to settle with them for more than {$5000.00}. 

They are aware that we are attempting to get a mortgage on a new home and intentionally doing this to create harm and problems with our credit reports. The company is called Hunter Warfield Collection Agency, and they are out of Florida. They are very rude on the phone when I have called to complain about this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
When I was XXXX years old and trying to figure out graduate loans, I contacted Navient ( previously known as Sallie Mae ) to gather information about my loan options. I was told that a private loan through Navient and the federal government is the same. I was then told that my interest rate could be lower than the federal government if I had my mother cosign. Unbeknownst to me and being that English is my mother 's second language, a private loan and a federal loan is the not the same. I have been unable to consolidate my private loan with my federal loan and therefore it does not count toward my public loan forgiveness. I was misled into my private loan and because of this my single mother has been unable to refinance her home for the last 10 years. Due to this mistake, I have also been paying almost double the amount in loan monthly payments for the last 10 years. I was only recently made aware that I could make a formal complaint and would have done so earlier should I have known.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: The Best Service Co.,Inc
State: CA
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:
" Contract was cancelled '' ... '' NO CONTRACT '' The original creditor who was XXXX XXXX sold my debt to a collection agency which is The Best Service Co.Inc and they also wrote off my debt on their taxes. This wrote off my obligation to pay. The contract I had with them was cancelled, I no longer have a contract with them and the debt is being reported to all three credit bureaus by the collection agency that they sold it to. The results to have them remove this collection debt off all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: MA
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:
I used XXXX XXXX XXXX XXXX for my icloud storage 100GB use and the balance was less than XXXX XXXX I was not alerted by my email or phone that the amount due was considered delinquent and turned over to credit reporting bureaus. This modest due amount has resulted in my stellar XXXX XXXX XXXX coming down to XXXX. I am searching for redress and compensation.

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 2020-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Ive sent multiple disputes to the credit bureau via mail. I sent them all certified mail and I have return receipts. I have spent a lot of money just trying to communicate with them however they have not given me any help. I asked them for proof of verification and they havent responded to me at all. Its been well over 30 days and Im just trying to fix my credit so I can live a normal life. The accounts on my report are unverified.

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 2020-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I sent letters to the following companies about a car that was repossessed in state of Virginia on about XX/XX/XXXX. Which showed on my credit with a balanced of $ XXXX.The letters that I wrote along with documents showing that someone was using my SSN from XX/XX/XXXX to XX/XX/XXXX to acquire jobs, loans and credit cards. I ask the following companies to take this fraudulent information off my credit report by verifying it was me who applied and sign for these items. All other accounts were deleted accepted the repossession of the car : I wrote to the following companies told them to delete this off my credit there saying it still me without true verification. These are the companies that I have wrote they refused : XXXX XXXX XXXX wrote them on XX/XX/XXXX ; XX/XX/XXXX no responds. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX wrote them on XX/XX/XXXX no respond but they had been known for letting people get away with Identitiy theft people using other people ID from some reports. Business is closed down.r Wrote to all 3 credit bureau on XXXX they saying it was verified without sending me any documents. 
.

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