BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-26
Company: Experian Information Solutions 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:
I have filed disputes with XXXX about the information thats being furnished on my report without my consent as well as the negative reporting that has caused damage to my life and living circumstances. I am aware that this bureau is in violation of 15 USC 1681 ( a ) ( 4 ) - Infringed upon a Consumers right to privacy as well as 15 USC 1681b ( a ) ( 2 ) - No Permissible Purpose/No written instruction

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 2015-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I had my identity stolen and a lot of my credit information at XXXX and XXXX still reflects information from the person who stole my identity ( including the verification questions, which makes it very difficult to answer the identifying questions online as they are reflective of the person that stole my identity, and not me. ) I would like the information removed and the verification questions made accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-12
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was sent a letter from Wells Fargo, received on XXXX XXXX, 2015 but dated XXXX XXXX, 2015, stating I had {$2300.00} in a Cash Management Account and it could not be applied to my payment because it was short. This was my first notification of this short payment or any notifcation whatsoever that I had a cash balance. I called and spoke to XXXX XXXX, who is the single point of contact for my mortgage account. He advised me on a phone call between the dates of XXXX XXXX that Wells Fargo would be issuing a check in the amount of {$2300.00} and I should receive it in 2-3 business days. Today, in my follow-up conversation, they are now stating that they can not return the funds. I believe this is illegal on Wells Fargo behalf to have held funds without notifying us for 4 months, agreeing to send the check last week, only to rudely treat funds sitting in a XXXX account as if it were legally theirs. Every other time in my life, when we were short on payment, they issue the check immediately with a letter. Ironically, the letter notifying me of the cash balance in my account was the same week the Department of Justice announced the {$81.00} XXXX settlement against Wells Fargo for this same type of abuse, lies, deception, paper shuffling and illegal fees to our accounts for decades.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
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:
On XXXX, account assigned to attorney, collection agency add a derogatory mark on my credit report per XXXX XXXX Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name Credit Reporting Agency are violating my rights as a consumer and I'm requesting legal action to remove this account immediately

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 2021-09-26
Company: EQUIFAX, INC.
State: MD
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: Investigation took more than 30 days

Complaint:
I wrote to you requesting an investigation into items that I believed were INNACCURATE I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: RoundPoint Mortgage Servicing LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my mortage co will not work withme

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 2021-09-26
Company: Blackhawk Network Holdings Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a {$15.00} prepaid debit card from a rewards company. I had about 8 months before the card expired from when I originally got the card ( summer 2020 ). Today, the card is expired and I called to get a new card with my original {$15.00}. I called the company and they said this was not possible. I told them this is required by law, and they ignored that statement. I was told to use XXXX to activate my card. The company is clearly trying to take as much money as possible from consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-26
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I experienced identity theft early this year. I have a inquiry on my EQUIFAX from XXXX. 
EQUIFAX received my letter XX/XX/XXXX. I just checked my credit report, and that inquiry is still on there. 
I disputed that and I also disputed a incorrect name variation : XXXX XXXX XXXX My name is XXXX XXXX XXXX Please help, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
As part of my Health Care Plan for 2015 with my last employer, I opened an HSA Account, which is with HSA Bank, subsidiary of Webster Bank. I enrolled for electronic statements and here is where the problems started. I have not been receiving my statements, including the alert informing me that my statement is ready for viewing/download. When I log into my account online I see the activity on my account including the monthly service fee, but when I click on the Statement Tab to view my statement no statements are available. I have called customer service each time and I 'm told the same thing, it 's a problem with the " new '' system. Once on XXXX XXXX, 2015 I got a secure email to access my missing statements for XX/XX/XXXX thru XX/XX/XXXX. I called again in XX/XX/XXXX about my statement and was told again it was due to system problems that they are working through and they would email me the missing statement. I never received that email. I called again today, XXXX XXXX, 2015, after going online and finding the statements were still not available. Only to be told the same thing ... .system issues. I am missing statements for XX/XX/XXXX through XX/XX/XXXX. However, as usual my account is being assessed a monthly fee. 
I know based on my other bank accounts, including my previous HSA with another employer, that I am required to get statements monthly and a notice when an eStatement is available with a link or instructions on how to download the statement. I am at my wits end and as a last resort is reaching out to the CFPB for help. I Appreciate any assistance you can give me to resolve this issue. I have requested the customer service representative escalate the issue to a superior, which she said she would and I am waiting for a response but since I never received follow-up the last time my expectations are not high that I will this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I am currently repaying a student loan to American Education Services and XXXX. I am unemployed, living in California, I am currently unable to afford my own housing and I receive food stamps from the state which is proof of my not having income. I am looking for work and have not found any and I am in desperate need of assistance to have my private student loans placed in forebearance while I find work. My student loan payment from XXXX has not been paid and XXXX will be due this week. I will own AES nearly XXXX dollars which is more than I receive in unemployment benefits in one month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
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:
On XXXX, XXXX XXXX XXXX add a derogatory mark on my credit report per XXXX  XXXX. Upon farther research, this account balance is incorrect. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name has violated my rights as a consumer and I'm requesting legal action to remove this account immediately

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 2021-09-26
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:
On XXXX, XXXX XXXX add a derogatory mark on my credit report per XXXX  XXXX. Upon farther research, this account balance is incorrect. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name has violated my rights as a consumer and I'm requesting legal action to remove this account immediately

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 2015-06-09
Company: WELLS FARGO & COMPANY
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
daughter received loans from wells fargo, daughter does not reside in this house. i constantly receive calls daily from wells fargo, XXXX, north dakato when answered, their computer/person hangs up ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2021-09-26
Company: Experian Information Solutions Inc.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have made attempts through chats, emails, and phone calls to make them fix their error, and we just keep going in circles. When I try to dispute any item on their website they have placed a block that stops me from disputing, they tell me to call their phone number. I call and I'm told they can't talk to me. This is nothing more than a scam against a consumer from getting the truth, and it's frustrating as XXXX. Many years ago, I filed for bankruptcy, and everything went according to plan, as the other three credit bureaus don't have the same errors. Experian continues to claim that my mortgage with XXXX XXXX was part of the bankruptcy, which it never was, I have tried to explain this to them through chats, emails, and phone calls. I have had this mortgage and have made payments since 2013, all the other credit bureaus reflect this. Here is what I want them to do : 1. Fix the XXXX XXXX Mortgage, it was never part of bankruptcy. Add the correct information of the mortgage to my credit report. 
2. XXXX XXXX was never part of bankruptcy, it was my auto loan and I paid the car off in full. They need to correct this to reflect that. 
3. Remove any block they have from me disputing credit items, this is a scam. My next action will be to seek legal damages, I'm sick of this game. 
4. Consumers need to be given more power, Experian is a perfect example of a company that has no regards for the consumer, it's time for the government to intervene and allow consumers the right to sue when corrupt companies like Experian continue to run unregulated. 

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 2015-12-05
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My servicer will not give me a deferment or income based repayment plan. They tell me my co-signer can pay it. Why would I do that? I just need a lower payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX is saying that I have a credit card with them and I donot I try o get XXXX XXXX to fixed his but thy will not.this is on my creidit report and I want this to be removed ASAp. this is no my card.XXXX XXXX saying it have been open for six months. never been use

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 2021-09-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery Services calls me extremely frequently dispite me requesting them call me outside of work hours. I gave them specific days and times to discuss matters with me but still they call. They call me on Sundays, they also call me Saturdays and past XXXX. They use fake phone numbers to contact me with local phone numbers so I mistake them for my clients while I am at work. I have asked them numerous times to not contact me via phone on weekends, yet they still do. I requested they only contact me via writing, they do not. It is harassment at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage with Roundpoint. Due to corona virus situation the house is vacant and not collecting rent. I inquired about deferment and Roundpoint offered forbearance with balloon payment after 3 months. This will not help me. I need to add the missed payments at the end of the mortgage or modify remaining mortgage payments.

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 2020-04-03
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I have a cashier 's check for the amount of {$16000.00} from Wells Fargo dated XX/XX/17 with no expiration date. 

I mobile deposited to my XXXX XXXX account which accepted the check. It was then denied payment and returned by Wells Fargo. When I call, they will not verify the status because they say that the account number isn't one that they know. 

This came from their NY branch. They told me I must go to their NY branch to verify, but we are in the middle of the COVID crisis and they have no branches open unless you are a customer. 

They are holding a significant amount of money that I need to pay for my families bills during this trying time, but they are doing nothing to help.

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 2021-09-26
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX is saying that I have a credit card with them and I donot I try o get XXXX XXXX to fixed his but thy will not.this is on my creidit report and I want this to be removed ASAp. this is no my card.XXXX XXXX saying it have been open for six months. never been use

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo bank was involved in a banking errors case where I could be eligible for a refund just checking on that to see if I am eligible.

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 2020-05-04
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Received notice from XXXX county, NC tax assessor 's office that my residential property was granted a Homestead Exclusion. This resulted in a 50 % reduction in my Assessed value which is what is use to calculate my tax payment. I received this notice XX/XX/2020. 
I requested my lender, SunTrust now Truist run a updated escrow analysis so my monthly tax escrow amount could be adjusted. I provided the written government document to them. 
I heard nothing, I made at least 4 additional phone calls requesting this update to my loan. Each time they told me they did not know the county tax rate and couldn't obtain it from XXXX county. I requested they use the current rate but they refused. 
As a consumer and senior citizen I feel this was a very appropriate request that could be easily handled. Mortgage lenders calculate rates as standard practice when setting up escrow accounts. 
Excess money is now being held in my account. Yes it will be refunded to me at the beginning of the year but I'm being denied the monthly saving the Homestead exclusion affords. 
I see no reason for their refusal and feel like they are violating my consumer rights. If they are doing this to me they are doing it to others.

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