BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
WELLS FARGO AS CONFIRMED WITH XXXX XXXX XXXX XXXX  NEVADA ASK A LAWYER PROGRAM HAS A HORRIBLE REPUTATION IN ABUSE TO CONSUMERS & NEITHER THE COURTS, LEGAL AID ENTITIES, DISABILITY ENTITIES, GOVERNMENT, CIVIL LEADERS OR POLITICAL PARTIES SEEK TO REVERSE THIS ABUSE. 
FOR NEARLY 4 YEARS WELLS FARGO HAS BEEN TOLD THAT THEY ACQUIRED A MORTGAGE FROM XXXX XXXX. THAT WAS INVOLVED WITH A STRUCTURALLY DEFECTIVE PROPERTY ( XXXX XXXX ) THAT WAS REPORTED PRIOR TO EITHER XXXX FLORIDA OR XXXX NEVADA WHERE XXXX & XXXX DEATHS OCCURED. 
WELLS FARGO CONTINUED TO ABUSE THIS MTG. WITH CLAIMS OF ESCROW SHORTAGES WITH A FALSE NARRATIVE OF SLIDING NUMBERS THAT IS NOT SUPPORTED BY FACTS. 
THE MOST CURRENT FACTS IS THAT XXXX XXXX XXXX PROPERTY THAT SHOULD BE DEMOLISH WITH A DISCOUNT THAT WELLS WILL AVOID OBSERVING. THIS DISCOUNT SHOULD RESULT IN A RETROACTIVE DISCOUNT & REFUND IN ALL ESRCOW CATAGORIES FROM VALUE TO TAXES, TO COST OF INSURANCE -- -- -- -- -- -- -- RESULTING IN A HEAVTY REFUND DATING BACK TO 2018 WHEN THE DAMAGE WAS 1ST REPORTED WELLS FARGO PAYS OUT XXXX XXXX ( SEE ATTACHED ) FOR EVICTIONS TO AVOID COURT " OFF THE BACK OF OTHERS '' BUT FORCE OTHERS TO FILE LITIGATION THAT WELLS FARGO SHOULD PURSUE IN BEING FALSELY SOLD A DEFECTIVE PROPERTY. DISCLOSURE LAWS WHERE NOT PROPERLY ENFORCED FROM XXXX TO WELLS. PLEASE REVIEW ATTACHED -TO INLCUDE DISCOUNT STATEMENT FROM XXXX XXXX XXXX 
THIS INCREASE ANNOUNCED BY WELLS SHOULD BE STAY -BUT ALSO REVOACTIVELY CHANGE BACK TO WHEN THEY ACQUIRED THE MORTGAGE FROM XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS FAILED TO PROVIDE PROPER COVERAGE OF A CLAIM FILED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: Big Picture Loans, LLC
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I knew the stipulations to taking out a installment loan ( air quotes ) long term payday loan. I decided to do so with Big Picture loans aka Castle Payday loans. I made my first initial payment of {$200.00} which covered the finance fee and an additional amount to go towards the principle. Now it 's time for the 2nd payment due and I want to make the same payment. Per there instructions you have to notify them 2-3 business days before the payment date, in which I did. I get an email back from thing 2 days later explaining they had a high email/call volume sorry for the delay but they already processed only the finance charge. This seems like a crook move to me so they can get more money out of my pocket. Something told me to not do business with the company, but I had a bill that desperately needed to be paid. I do n't like the deception in this company. Not to be disrespectful but the customer service people can barely speak proper English and I feel stupid to have even started doing business with them for the almighty dollar.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account XXXXXXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-05-31
Company: AES/PHEAA
State: MS
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:
I recently started looking into my credit report because I plan to buy a house in the next year. When I pu lled my report I noticed multiple late payments shown under my student loans with FedLoan Services.  I called into the customer support line  XXXX   XXXX ,    2017 and inquired about the late payments. The associate confirmed my loans were deferred or in forbearance at the times of the reported late payments. Since there is no way to report my loans as current and late at the same time I requested the derogatory information be removed from the my reports. The associate informed me FedLoan Services would n ot be able to do that. I have sent letters to the company and am currently awaiting a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: CITIBANK, N.A.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have a citibank checking account for more than a month now. But i am not able to access it online. Every time I am getting this message " We 're very sorry we 're having technical issues. Please try again. We apologize for any inconvenience and appreciate your patience. [ XXXX ] '' On phone or via email there is no help to get proper support. I am clueless how to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: Experian Information Solutions Inc.
State: TX
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: Problem getting your free annual credit report

Complaint:
I tried obtaining my credit reports from all 3 agencies at XXXX. I was able to view and print my complete XXXX  credit report but not the Experian and XXXX  reports. 

I'm certain all the verification information I provided was accurate. The fact that i got my XXXX  report is indicative of that. XXXX  and Experian are putting unnecessary roadblocks to stop consumers from accessing their credit reports. 

Both XXXX  and Experian asked me to send in my request by mail ( XXXX  also requested id proof with SSN ). I'm not comfortable sending my personal information in printed format to these companies seeing how careless they have been with consumer data before.

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 2017-05-31
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted  XXXX   XXXX    XXXX   about an account that was on my credit report that was n't opened by me! They sent me a letter stating that they would remove the closed,  XXXX  'd out account from my reports. I keep being contacted  by Midland Funding abo ut this account that they purchased for pennies on the dollar. Again this is NOT MY DEBT! If the original creditor removed it from my reports, SO SHOULD MIDLAND!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Issue: Transaction issue

Complaint:
Went to XXXX for dental work.Had all on XXXX procedure.Dental company billed credit card for everything on day implants was put in but could n't get teeth for 6 months.Went back in XX/XX/XXXX for teeth and was home approximately XXXX weeks and teeth started crumbling.Filed dispute with all Credit card companys that I used because of quality of goods This purchase had to be divided because of large amount and not enough credit 0n one card, I spend about XXXX dollars to fax all documentation and pictures to these companys.Chase credit card responded and comepletly removed the part of charges that was charged to XXXX card but Citi XXXX XXXX has major issues.Cant get responses etc and when they responded I was told they could n't help me that it was out of time frame.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, BANKRUPTCY XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
State: TX
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:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following item I wish to dispute on my credit report : XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: AES/PHEAA
State: NY
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
American Education Services in XXXX, PA failed to notify me of a delinquency on my son 's student loan ( I am a co-signer ) .They had previously called me of the delinquency and I called my son who said he would pay it. I had n't heard from them after that and I thought the matter was taken care of. It turned out it was not paid and I was never notified. Eventually 90 days went by. Without calling me or giving me a chance to pay the outstanding amount overdue 90 days, they sent the delinquency to the credit reporting agencies. Now have a negative entry on my credit report. Had they called me and advised me of the delinquency I would have paid it and avoided this problem. So now I have a negative credit entry on my record and they are refusing to correct it even after I filed for a correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
XXXX education mislead me on taking out this loan for my son and now I have this loan in my name and ca n't make the payments, It started out at XXXX and is now {$150000.00} with AES. I could n't ever pay this loan when it started back in 2006 an I still do n't make enough to pay it now. I do n't know what to do and AES has never tried to work out a solution. I am XXXX XXXX XXXX an I can only work part time because I have XXXX in my XXXX and XXXX in my XXXX I also have XXXX in my XXXX for XXXX. Every time I talk to someone about making payments that I could afford they just stick me in forbearance. I am frustrated an worried to what will happen because I ca n't pay this loan. The schools financial office totally mislead me on the loan saying that I 'd be taking out this loan to help my son and when he graduates he will be able to take over this loan because they said they would help get him a job after graduation. Needless to say after graduation they just brushed him off. It took him 4 years to even get into his field. And with all the XXXX XXXX loans he also had to take out he has to pay them, so he has n't been able to help me with this loan. The school new I did n't make enough money but they said my son would make enough money after he graduates. 
He barely makes enough money to pay the loans he has and cant help me. 
If you can find me a solution I would greatly appreciate your help. The schools financial office totally mislead and kept pressuring me to signed for this loan. HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX : Equifax To Whom It May Concern, I sent a letter to Equifax dated XX/XX/XXXX disputing an unauthorized inquiry as erroneous, and I have not received a response from them. They have NO proof I initiated such inquiry, nor written authorization, and have failed to provide any permissible purpose. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), they had 30 days to investigate the dispute. If they could not verify the information within 30 days, they should have deleted the disputed unauthorized inquiry from my report. 

I have frozen and suppressed All 3rd party information vendors since Summer XXXX, including XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX. EQUIFAX MUST VERIFY THIS UNAUTHORIZED INQUIRY DIRECTLY WITH THE COMPANY LISTED BELOW, NOT WITH 3RD PARTY DATA MINORS. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. The following inquiry is unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached you will find copies of my 3rd party vendor proof of suppression and the demand to comply package sent to Equifax. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: JPMORGAN CHASE & CO.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On or about XX/XX/2022 XXXXJPmorganchase Financial was sent a contract by way of Certified mail, the negotiable instrument contract stated " I accept your offer in the amount of {$20000.00} for valuable consideration and tender this payment for the complete amount in accord and satisfaction upon redeeming this instrument ''. XXXXJPmorganchase redeemed the the instrument on or about XX/XX/2022. XXXXJPmorganchase has not honored the contract and continues to harass and Tarnish the credit of the allege Debtor and also threaten with repossession

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: NV
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:
By the provisions of the Fair Credit Reporting Act, I am Sending this complaint to request that the listed accounts below which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Reported these are fraudulent inquires on my credit file. i did not authorized these inquires but these companies will not send me proof it was me, they refuse to remove them saying its accurate when it is not

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 2021-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was not notified of a balance or payment due. I was only made aware of the balance after my credit report showed a delinquent account. I received no communication from XXXX XXXX that the {$99.00} annual fee was due. This is a card that I do not use and had been told by XXXX XXXX, was closed. 

XX/XX/XXXX - Asked XXXX XXXX to close account. They said it was closed. 
XX/XX/XXXX - Credit Card destroyed and no longer used. 
XX/XX/XXXX - ANNUAL {$99.00} FEE charged XX/XX/XXXX - Notice from Credit Bureau of Delinquent Account. Credit score dropped 80 points XX/XX/XXXX - {$99.00} balance paid XX/XX/XXXX - Card Closed XX/XX/XXXX - Spoke with XXXX XXXX to remove remark. Refused XX/XX/XXXX - Spoke with XXXX XXXX to remove remark. Refused

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: OH
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 see there are 12 student loans on my credit report with all 3 credit bureaus XXXX, Equifax, and XXXX server of the loans XXXX. I only hold 6 discharged loans all with XXXX in which I have a contacted XXXX and all 3 credit bureaus filing disputes about the loans for several months they say they are accurate and they arent as I said I hold 6 loans with XXXX from from XXXX, and XXXX all discharged in XXXX then so how they say the loans went into default how when they were discharged in XXXX then in XXXX they reinstated the original 6 loans from XXXX and put them on my credit as new loans in XXXX as if I have 12 loans though all 12 loans have XXXX balance I dont hold 12 loans I only hold 6 I have asked XXXX to remove the duplicate loans from all 3 bureaus over the past couple of months they refuse and I also dispute with all 3 credit bureaus and sent my letter from XXXX I only hold 6 loans

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I just lost my XXXX job and I am right now struggle to pay back of what I own. I have talked to them several time to make the agreement to lower the payments. But however, they had refused to find the solutions or working with other way. They kept the same way by paying the interest of the loans. I have explain to them several time that I can not pay full amount.

Company response to consumer: Closed with explanation