BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
IN XXXX 2016 I HAVE SENT IN XXXX PAYMENTS FOR MY MORTGAGE PAYMENT AND THEY HELD THE XXXX ONE BECAUSE THEY SAID THAT I DID NOT PAY THE WHOLE AMT. I TOLD THEM CAN THEY LEGALLY HOLD MY MONEY AND REFUSE TO APPLY IT TO THE MORTGAGE LOAN AND THEY SAID YES THEY CAN DO THAT. IS THAT CORRECT? I THEN SEND IN A XXXX PAYMENT IN THE SAME MONTH THEN THEY APPLIED THE FULL PAYMENT TO THE LOAN AFTERWARD. I WRITTEN LETTERS TO THEM ON XXXX XXXX, XXXX XXXX, AND XXXX XXXX THRU FAXES AND ALL FAXES WERE SENT TO THEM SUCCESSFULLY. THEY WROTE BACK AND SAID THEY RECEIVED ALL CONCERNS BUT REFUSED TO GIVE ME AN ANSWER IN WRITING IF IT WAS LEGAL OR NOT TO HOLD MY MONEY. I TOLD THEM THAT THE XXXX PARTIAL PAYMENTS I WANT THEM TO APPLY ON THE DAY THEY GOT IT AND NOT HOLD ONTO IT. IN ADDITION I WANT TO KNOW IF THEY LIED TO ME OR NOT WHEN I WAS IN A LOAN MODIFICATION IN THE PAST 2 YRS OR SO. I ASKED THAT SOME OF THE MORTGAGE LOAN TO BE FORGIVEN BECAUSE I WAS TOLD BY THE MAKING HOME AFFORDABLE ACT THAT IF YOU HOUSE IS VALUED LESS THAN WHAT YOU OWE YOU SHOULD BE GRANTED THAT AMT. I HAVE ASKED FOR THAT TO DO BE DONE SINCE SPS XXXX VALUE CAME IN AROUND $ XXXX BUT THEY SAID NO THEY WILL NOT DO IT. I ASKED SEVERAL TIMES ON THE PHONE AND IN WRITING. CAN YOU TELL ME IF WHAT THEY SAY IS CORRECT THEY DO N'T HAVE TO FOLLOW THE RULES OF MAKING HOME AFFORDABLE ACT. I HOPE TO HEAR FROM YOU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: EQUIFAX, INC.
State: TX
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: TN
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 they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : 1861 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 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 they violated my rights. 
Please delete the following items : XXXX XXXX Account Number XXXX 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 : 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 2021-12-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Under the CARES ACT for student loan. I am not late as my accounts are in deferrment from payment as with anyone else in the US. The repayment doesnt start until XX/XX/2021 so why Experian is reporting my accounts as late. Please direct them to read and correct. They have caused great harm to me in getting an auto loan because of these inaccuracies. I am attaching all proof and requests. 

XXXX student loansTotal balance : {$25000.00} DEPT OF EDUCATIONXXXX {$1500.00} Balance updated XX/XX/2021 XXXX late payment DEPT OF EDUCATIONXXXX {$6500.00} Balance updated XX/XX/2021 XXXX late payment DEPT OF EDUCATIONXXXX {$4600.00} Balance updated XX/XX/2021 XXXX late payment DEPT OF EDUCATION/XXXX {$4500.00} Balance XXXX XX/XX/2021 XXXX late payment DEPT OF EDUCATION/XXXX {$6600.00} Balance updated XX/XX/2021 XXXX late payment DEPT OF EDUCATION/XXXX {$1500.00} Balance updated XX/XX/2021 XXXX late payment

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 2021-12-17
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Amount of loan XXXX XXXX they said I owe XXXX I never applied the got the wrong social security number but it's under my id

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2015-09-24
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
We have been stuck in an interest only mortgage for our personal residence with Wells Fargo for 10 years, which means we have not gained XXXX penny of equity in our home in the 10 years we have been paying our mortgage ( s ). We originally had a second mortgage that was extinguished by the National Mortgage Settlement, or Attorney Generals ( AG ) Settlement in XX/XX/XXXX. 

At the time we were in negotiations to settle our second mortgage with Wells Fargo ( XX/XX/XXXX to XX/XX/XXXX ) our home was worth about 60 % of what we paid for it in XX/XX/XXXX. We were current with our first mortgage, but because we were n't current with our second mortgage payments we were finally offered a full settlement of the second mortgage through the AG Settlement. This got us out from being underwater. However because we now had Lates and a Charge-Off on our credit report ( s ), by law ( according to every underwriter we have tried to qualify with ) we are now not eligible for refinancing, or any other kind of loan, for at least another four years after the second mortgage lien release was recorded with the county recorder 's office. 

It is apparently a similar penalty to a bankruptcy. It should not apply in our case because we qualified for the AG Settlement. Also our income is more than what is required to refinance, or take on other loans of similar principle and we have had no other problems other than this second loan extinguishment negatively effecting our credit report ( s ). What if anything is being done to correct the problem with this law?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: WELLS FARGO & COMPANY
State: DC
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, I requested an investigation into a charge on Wells Fargo credit card. This charge was for a rental car that I did reserve but I was charged an additional {$300.00} " vehicle inspection fee '', a charge that I did not authorize and one that was over 3 times the amount of my original bill. When I filed the dispute with Wells Fargo, my credit card account was immediately restricted and I was no longer able to access my online credit card account. After following up with a Wells Fargo representative about regaining access to my online account and statements, the representative told me that " sometimes this just happens '' but he does n't know why. 

I eventually found out that my dispute was denied by Wells Fargo even though I did not and still do not authorize the {$300.00} vehicle inspection fee. I was told that the dispute was denied because the purchase was " verified '' by the company. I never asked for verification of the entire purchase. 

I recently opened a second dispute for this same unauthorized charge but I am still barred from using my credit card and I do not have any access to any of my account details or statements because Wells Fargo has deleted removed this account from online profile. 

Wells Fargo has infringed upon my FCBA rights forcing me to pay this unauthorized charge of {$300.00}. Wells Fargo has also infringed upon my FCBA rights by restricting my credit card account during 2 separate disputes.

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 2021-12-17
Company: MIDFIRST BANK
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Informed both lenders of rXXXX XXXX XXXXssues and was ignored on multiple occasions. specially informed Midland in XX/XX/2020 and was called a liar. 

Repeated requests for release of escrow and all fee plus interest payable to borrower who has incurred these expenses out of pocket. 

originating and transferring lender failed due diligence and servicing requirements resulting in a debt obligation that is misrepresented and payment coupons not correct as well all tax end of year tax 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
Consumer complaint received 2017-08-15
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX at XXXX XXXX XXXX called me at work about a debt his company bought from XXXX XXXX. It 's the first contact I 've had with them. I do not know if this is legitimate, but being called at work is unacceptable.

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 2016-09-21
Company: WELLS FARGO & COMPANY
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am co-signed on XXXX student loans on behalf of my son. The loans were for incurred while he was attending XXXX College and XXXX College. The loans in question are owned by Wells Fargo. My wife and I have been making repayment of the loans since my son has not made any repayments and we did not want our credit damaged. We have been steadily increasing our repayment amounts in order to accelerate payoff and reduce interest. In our XXXX XXXX payment statement we noticed that the interest charge for that month was nearly half of the entire amount of interest we had paid in XXXX upon further investigation it became apparent to us that Wells Fargo had intentionally applied our entire monthly payment to only XXXX of the XXXX loans. it had been our practice to pay more than the minimum required payment for a number of years previous. Wells Fargo had been applying payment in excess of the minimum equally to each loan. Wells Fargo arbitrarily changed their practice and applied the entire payment amount submitted to only XXXX of the loans for the entire year of XXXX. We did not receive any written or verbal notification from Wells Fargo regarding a change in how they were applying our payment. This only came to our attention when we noticed the higher than normal interest charge in the XXXX XXXX statement. After multiple calls to Wells Fargo in attempts to resolve this issue I filed a complaint with the CFPB in XXXX of XXXX out of frustration with Wells Fargo 's stonewalling and bullying tactics. As a result of my complaint to the CFPB Wells Fargo agreed to only waive the interest charged due to their incorrect application of our repayments. After numerous fruitless phone conversations with Wells Fargo representatives I accepted their offer. As a result of the CFPB 's recent findings regarding Wells Fargo 's college loan illegal actions as well as Wells Fargo 's most recent illegal actions by their lending employees. I ca n't help but feel that my case should be reopened. 
Because of Wells Fargo 's mishandling of our repayments and their inflexible position regarding our student loan payments and balances. I feel that all of the findings you post on this site regarding your judgements against Wells Fargo apply in our case.

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 2021-01-28
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Funds in my Venmo account were being transferred to a XXXX XXXX account that was not mine. From XX/XX/XXXX to XX/XX/XXXX, XXXX deposits for the sum of {$21000.00} were made into the XXXX account which is NOT mine. It appears that someone hacked my Venmo account and changed the bank from my XXXX XXXXXXXX XXXX to their XXXX XXXX. On XX/XX/XXXX the Venmo account somehow returned to my XXXX XXXXXXXX XXXX account. I have filed a case with Venmo on XX/XX/XXXX. I've not heard anything from them on the issue todate. I have reported the case to the XXXX, XXXX  XXXX Police Dept. I have filed with the Ohio Attorney General 's office, Internet Crime Complaint Center, my personal attorney, my accontant. I have also changed every password on accounts and established Identity Theft Service and accquired a pin for my taxes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-17
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: HUNTINGTON NATIONAL BANK, THE
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
We are trying to register our car in XXXX. We just moved from XXXX We need documentation from the bank to do this. We have requested the information multiple times over several months. They fail to complete the paperwork and fail to communicate with us about the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am a XXXX senior who recently filed for a Home Energy Loan through our State 's Housing Department and the credit scores shown on XXXX are better than the ones the Housing Department received. I just have the question as to why do I have to PAY for a CREDIT SCORE ( in particular Experian, who does not report XXXX ) that is so important " in the system '' and can be used FOR or AGAINST me? I intend to question the scores shown this morning on XXXX against the lower scores the Housing Department received less than 24 hrs ago. Housing received XXXX XXXX, XXXX XXXX AND EXPERIAN XXXX. I must have a score & gt ; XXXX and I know something is incorrect. Companies should not have the right to pick and choose what reporting agency they report to! If they are reporting something that will affect a consumer 's wellbeing ( home, employment etc. ), they should report it to all agencies that may receive an inquiry.

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 2016-02-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was recently mailed a letter of rejection from a VA approved mortgage lender and was told that I could then request a copy of my credit report as a result of my being rejected for a loan. 
I am unable to retrieve a free copy of my credit report.

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 2021-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are incorrect late payments showing on my credit reports from " XXXX XXXXXXXX XXXX XXXX ''. The credit reporting agencies are showing a late payment in XX/XX/XXXX and a late payment in XX/XX/XXXX. When I log into my account through the company, they show a late payment in XX/XX/XXXX and a late payment in XX/XX/XXXX. 30 days had not yet passed and the company reported my account as being late to the credit reporting agencies. All of the information is inaccurate. According to my payment history showing on my account, my the late payments in question have been paid before on the same date that my payment is due. My due date for my payments are the 25th of each month. The XX/XX/XXXX " late '' payment was made on XX/XX/XXXX. There was a payment of {$31.00} on XX/XX/XXXX to cover the payment due for XX/XX/XXXX. There was also a payment of {$62.00} made on XX/XX/XXXX to cover XXXX and XXXX payments of XXXX. As stated above, my payments are due on the 25th of every month and the late payments in question were not 30 days late.

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 2016-11-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was scammed by a person named XXXX XXXX who was working at a XXXX XXXX store in XXXX XXXX Florida on or about XXXX of 2013. He promised to provide me with home wireless phone service and wireless internet service. He asked if I had a home security system and I told him yes.He gave me a box with the system. I gave him over {$400.00} total. The system did not work. I was without phone service for about 3 weeks. After contacting him many times I learned this system would not work with my wireless security system. He came to my house and messed with my security system and XXXX XXXX XXXX phone box and took a picture of my XXXX form that was laying on my desk. I returned all equipment and received a receipt. I had NO service at all from this source. He did not refund my money. I have gotten a bill for {$480.00} from XXXX. I have talked to XXXX representatives 3 times and told the account with XXXX would be closed or did not exist. Now I find that an account has been reported to a collection agency and listed as deliquent account with at least Experion. This was a fraudulent transaction from the start as I am sure this person knew his service would not work with my security system. He scammed me out of several hundred $ and is now trying to get more. I will make a report to the local sheriff office and I have again contacted XXXX who said they would investigate again. Meanwhile the false report is still on my credit report. I am a XXXX XXXX XXXX XXXX woman who has no one else to depend on.I do have documents to support the money I gave this person and XXXX can verify the lenght of time I was without phone service.

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 2015-05-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
We received a letter from Wells Fargo Auto Finance stating that we have paid in full and satisfied the requirements of our Auto Loan, however they are reporting our loan as transferred and charged off instead of paid in full for the original account. Wells Fargo transferred the loan within their own company after the loan has been already satisfied. The loan has negative impact on our credit report and the bureaus refuse to change it after we have provided proof of a Wells Fargo Letter stating the original loan has been paid in full and satisfied under the original conditions before Wells Fargo did an internal transfer of accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation