BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: LA
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 sent a letter to the credit bureaus ( XXXX, Equifax and XXXX ) on XX/XX/2022 and they received each letter on XX/XX/2022 to remove incorrect addresses, phone numbers and past employers. I also sent a copy of my social security card, ID and proof of address which was on my ID and an Electric bill showing my address. It's been over 30 days and the incorrect information is still on my credit report. 

according to 15 U.S. code 1681i- procedure in case of disputed accuracy, the bureau failed to complete a proper investigation of my personal information and violated the FCRA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Credit Karma, LLC
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an savings account with credit karma. On XX/XX/XXXX I transferred XXXX dollars then again on XX/XX/XXXX I deposited XXXX dollars then another XXXX dollars. The money came out of my main account and the balance also reflected on my savings account, but when I went to withdraw money it told me that I could only withdraw XXXX  cents. I contacted credit karma through online chat because they dont have a phone number for customer service and they told me I need to contact my bank for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: EQUIFAX, INC.
State: AL
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 've reached out to Wells Fargo to modify my loan. On XXXX XXXX, XXXX, I submitted all of my loan modification paperwork with supporting documentation as was required in order for the non judicial foreclosure scheduled on XXXX XXXX, XXXX to be suspended. 
Unfortunately when I went to the Wells Fargo portal to check my loan modification status on XXXX XXXX, XXXX, it 's showing that the foreclosure sale it still active for XXXX XXXX, XXXX. 
Per the guidelines of any any modification agreements that were executed with security deeds under FHA/HUD and were placed in XXXX XXXX Pools that did not follow XXXX XXXX guidelines prior and current, will be null and void per the regulations of XXXX XXXX Mortgage Backed Securities Wells Fargo is in violation of the Amended Office of Comptroller and Currency XXXX Consent Order regarding this loan In particularly ; Article IV - Compliance Program Article VIII - Management Information Systems Article IX - Mortgage Servicing 1 ). I 'm attaching the completed modification packet ; 2 ) .the Amended XXXX OCC Consent Order ; 3 ). Wells Fargo Loan status showing that even though my modification pact was submitted, I 'm still showing the sale is moving forward. 4 ) Verified Affidavit stating that Wells Fargo has no authority to enforce the Security Deed and Note.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Wells Fargo has countered the buyer on this property without having done an interior appraisal. When we requested a copy of the value from Wells Fargo representative XXXX XXXX, he stated Wells Fargo does not have to provide a copy of their appraisal, and therefore does not have to comply with the XXXX Valuations Rule or CFPB guidelines. He refused to help us and referred us to the negotiator instead. We had already reached out to the negotiator " XXXX XXXX '' last week and she has refused to respond. 

We believe, in fact, there is no appraisal on file at all. We believe Wells Fargo has either an automated value or a drive-by BPO on file. To label either of these as an appraisal is Fraud. 

The homeowner has stated they have not given interior access to anyone from the bank. We believe their reluctance to provide a copy of the value is because it does n't actually exist and they simply made XXXX up. 

Wells Fargo said they do not intend to comply with the XXXX and CFPB guidelines. 

This is very odd. Unfortunately this is not the first time management at WF stated they are not do not have to comply with State, Federal or CFPB guidelines. They think it is a joke.

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 2017-02-23
Company: Navient Solutions, LLC.
State: CA
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 issue with the XXXX XXXX been shut down, however I am XXXX and I went to that school, unfortunately there not professional, fraud, discrimination, lack of communication, lied, mislead, job interview wo n't accept anyone from XXXX student, XXXX and being force to XXXX and communication. Anyhow, I explain my situation to Navient customer service, nevertheless they wo n't help or say any more provide, whatsoever I felt like they have been harassing me whenever they called, email, yet without giving me the statement of how this bills of amount that cost ... They does n't have any Private Loan Forgiveness or School Discharge whether the Wyotech been shut down, therefore they said, " You went to school and you are responsible paying for it by their approach meant to say, Sorry they can not help you and I have to deal with it. '' Plus my wife is XXXX and it is possible for me to make those kind of payments, and I been trying to get BBB involved for XXXX, unfortunately they can not do anything because the school been shut down. Navients does n't have the program ... I, also tried to get an email from DOJ, XXXX, giving me these information. I am trying to find the result, but it is hard without knowing how to find a way for lawsuit or sue or waive the cost of this kind of situation. If you know anything about this to able help, I would like to know because it will help me and other person who is having trouble with this issue. Whether the XXXX been shut down XXXX XXXX, CA, therefore it should be able apply all the students who went there including myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Experian Information Solutions Inc.
State: GA
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:
To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listings. 

XXXX XXXX XXXX {$21000.00} Exceptional payment history From XXXX up until this current month, XXXX this account is showing deferments and not as being paid, which I have been paying this account every month and on-time. 
There are no valid claims ... account was never deferred and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulplease update it to reflect ( Paid on time ) Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

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 2016-09-15
Company: WELLS FARGO & COMPANY
State: MO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Your Home Page is emblazoned with WE 'RE ON YOU SIDE! No you 're not! Just another XXXX/Banking outrage at Wells Fargo is met with a fine. A FINE?!?! The people who perpetrate these crimes do n't give a XXXX about fines ... they do n't pay fines, the stockholders do. This is a LONG standing problem and fines will do NOTHING to stop it. You know what will? Prison time for executives. Until these low lifes go to the slammer, these outrages will continue ad infinitum. The Wells Fargo executive who oversaw the fraud retires with XXXX even though WF has a clawback policy for malfeasance ( which they have chosen not to invoke ). This is a MAJOR fail for the CPFB. If all you can do is hand out meaningless fines, you are just going though the motions of doing something useful.

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 2016-05-17
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying for over Four years to get a Loan Modification from my servicer ASC / Wells Fargo, They have obstructed me in every way by losing the documents & changing the managers over & over & has made it impossible for me to get the modification, & recently XXXX issued a New Directive to all Mortgage Servicers for Principal Reduction Modification & I am well qualified & so I contacted my servicer & they are giving me the run around again.

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 2015-09-01
Company: WELLS FARGO & COMPANY
State: DE
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I purchased a CD in XXXX 2000 from XXXX XXXX in the amount of {$5000.00}. I went to Wells went to Wells Fargo to cash it in and they told me they had no record of due to theit due to the fact that the banks had changed/merged over time. I wastold too much time had elapsed that it was either send to unclaimed property orcashed by me long ago. I do not recall cashing it in! When they checkedunclaimed property they had no record of it being sent to them. I was told that the bank records do n't go back that far in time. I was also told a letter was sent tome " back when ''. I did not receive any correspondence regarding this CD. 
Where is my money. The bank ca n't just say " it was turned over tounclaimed property '' or '' their records do n't go back that far ''. I feel thatthe bank should PROVE to me that it was either cashed, or give me mymoney plus interest. They just ca n't say well we do n't have it or haveany record of it. It is their responsibility. I have the CD.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I had my bank card stolen and my account was overdrawn. Consequently, my account was flagged and reported as supected fraud XXXX. Please advise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX wont delete fraudulent inquiries on my credit report police report was sent and affidavit, inquiries are XXXX card svc XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX financial XX/XX/XXXX, XXXX card XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-09-27
Company: Happy Money, Inc.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took out a loan from payoff.com In XX/XX/XXXX I have since made 26 monthly payments up until XX/XX/XXXX when I was laid off due to Covid. I was unable to return to my job due to the nature of my employment it is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I reached out to pay off an attempt to square my account to make sure they werent any delinquencies even in the face of my financial turmoil due to the worldwide pandemic. They did offer to delay payments without any affect on my credit, as mandated by the government however, they have since tacked on Absorbent interest charges, And refused to provide any concession in the loan terms with consideration to worldwide pandemic. Since the inception of my loan I have made a total of {$14000.00} In payments on a {$25000.00} loan to date, i currently owe {$20000.00} and no one at the company wants to help me. Their employees are rude and give you the runaround and deflect offering information as if this were a normal circumstance and not a global pandemic. I would like to formally submit a complaint About this company because I feel as though this is predatory lending

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Mitsubishi Motors North America, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
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:
Signed a Lease for a Mitsubishi Outlander Sport in 2015. The vehicle was for a personal use. After returned the vehicle, MMCA started charging me for Property Taxes. The county I live in Texas ( XXXX ) does charge for property taxes on leased vehicles used for commercial purposes. I never agreed in paying such taxes as vehicle was being used for personal purposes. On XX/XX/XXXX the payment went delinquent to a collection company and a derogatory mark was put on my credit report. I contacted the dealership where I signed the lease and the Sales Manager provided me with a copy of the Affidavit I signed in XX/XX/XXXX  indicating vehicle was being used for personal uses, this affidavit is required by the county so they would not assess property taxes. Problem is that this document never made to the county which in turn, and rightfully so, charged taxes. MMCA failed in ending the document back to the county which not only caused me a huge inconvenience with all the harassment to pay something I was not supposed to but also generated a delinquent payment and a derogatory mark on my credit incorrectly. The affidavit is attached.

Company response to consumer: Untimely response
Consumer complaint received 2016-01-29
Company: Integrated Recovery Services
State: OK
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX from Integrated XXXX called asking to speak to an employee of our company, we let them know this was a place of business and personal calls were not allowed. XXXX then laughed and said it was funny that he ca n't speak to the employee about her debt she owed. Our other employee asked how he could be discussing her personal matter with someone other than his customer he said he was n't. She asked him not to call the business number again. He then called back and when he was again asked not to call our business again, he said get use to my voice you will hear it everyday til she pays and hung up. We then called the company spoke to another gentleman who said he would take us off the list of people to call. The next morning our manager called the company and spoke to XXXX after we had received an automated call asking for garnishment information about our employee. She spoke to him about his employees collection efforts, he then said he would take care of the matter and that he recognized the error of XXXX collection efforts and assured us that our business would not be contacted again. at XXXX XXXX/XXXX/2016 XXXX called again, asking for our employee, we let him know we had spoken to his manager who said we would not be contacted again. He said no we did n't, there was no XXXX and that he would continue to call everyday. Our manager then called XXXX back who said would you like me to spank him? She asked why his attitude had changed since their earlier discussion, he said that the only way they would stop was if the debtor had her lawyer send a cease and desist letter. Our manager let him know that was not true and to be expecting XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
We submitted an offer on a house that is for sale, via short sale, through Wells Fargo on XXXX XXXX, 2015. Since then, we have had to update the contract 3 times, to which we still can get no response what-so-ever from anyone at Wells Fargo on the status of the contract. The listing agent has been through XXXX different people at Wells Fargo and not one has been able to give any of us an answer. One week, our contract is with the negotiator and they 're pushing for an answer by the end of day on Friday, which has now been a month ago. I have since sent an email to the board of directors at Wells Fargo and have spoken with a gentleman, but again, they have no answers as to where our contract stands.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Hello Digit, LLC
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a XXXX  account on XX/XX/XXXX. I tried connecting my checking account but it would not work. Hours later I received a notification to contact support so I did and provided the requested documents to verify my identity. My account was still usable so I made transfers from my XXXX wallet balance to this account periodically as I started setting up my billers to use this account information. In total I deposited {$870.00} to the account. I set up my company 's direct deposit to go into the account as well. On XX/XX/XXXX at XXXX I received an email that stated " Your XXXX  account has been temporarily XXXX ''. I replied to the email with the verification documents requested ( ID, Bank statement, Utility bill, Direct deposit form ). I tried logging into the app and was unable to. I tried calling but their system makes you enter your debit card number to proceed. On XX/XX/XXXX at XXXX I called XXXX and entered my card number in three times until it automatically transferred me to an agent. The agent looked up my account and state that it was closed. I asked for more information and she stated " your account is closed without refund ''. She told me she was going to email higher support. I requested to be transferred to higher support but she did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are several inquires on my report that I do not recognize. They are from XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX mortgage service, XXXX, factual data, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX auto finance, XXXX Chicago/mo, XXXX XXXX, XXXX XXXX, XXXX na, XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, factual data, XX/XX/XXXX XX/XX/XXXX, XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX,XX/XX/XXXX factual data, XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXX/XX/XXXX,XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXXXXXX,

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