BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-25
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
On XXXX 2017, I made my monthly payment of {$240.00} toward my FEDSTUDENT Loans. My bank account had sufficient funds to cover this payment. Federal student loans ' billing states that three ( 3 ) business days should be allowed to debit the account and reflect the payment as paid. 
On XXXX, 2017, I received a letter from FEDSTUDENT Loans that I had insufficient funds to cover this payment. 
THIS IS A FRAUD statement AND I can PROVABE it THROUGH MY BANK STATMENT. FEDERAL student loans & billing never processed the payment as evidently shown on my bank account BUT reported me delinquent as of today, XXXX,2017, for 8 days. 
Once again, as of today, I made another payment {$240.00} that was due on XXXX,2017 - this payment will be reflected on Monday XXXX, 2017 and late. 
It is a fault of the FEDSTUDENT loans billing practices to mess up the credit of former students. FEDSTUDENT loans work very slow and inefficiently. In addition, if a former student is on Income Based Repayment Plan, the former documents for such eligibility are not attached/displayed at the former student federal loans account online for a prove of elligibility. Why? 

Most importantly, former students should not be reported delinquent due to the wrongful billing practices of FEDLOANS. I BELIEVE THIS IS DONE WITH PURPOSE SINCE I AM ON INCOME BASED REPAYMENT PLANS - IF I AM DELINQUENT I WILL BE DISQUALIFIED AND DROPPED FROM THE IBR PLAN AND NOT ELLIGIBLE FOR. WHAT TYPE OF 'DISHONEST ' GAME IS THIS BY THE FEDLOANS?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On  XXXX / XXXX /   2017  in the morning. A criminal was using my credit card to make various purchases. I had my physical card in my wallet at the time. I do n't know how the suspect received my credit card number. All transactions were resolved and card account was closed.

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 2017-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hi there, I was previously notified by XXXX that a XXXX credit card was opened under my name. I called XXXX XXXX and they said they opened an investigation to look into this and would handle figuring out what happened. Can you please check with them as the account is already reported as closed and I 'd like to remove the hard inquiry from my report. 

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 explanation
Consumer complaint received 2017-04-27
Company: ALLY FINANCIAL INC.
State: GA
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:
I have not authorized  Ally Financial to make any inquiry into my credit report. At the times of the inquiries, I had a fraud alert on my report that ask for any company seeking access to my credit file to contact me personally. I called Ally Financial o n  XXXX  after reviewing my credit report from   XXXX   and was informed that they will not remove the inquiries. When explaining the issue to them, they refused. They are in violation.   XXXX   has informed that they will remove the inquiries if the company approves.     I would like for them to remove all inquiries that they have done into my Credit file and follow the law correctly.      XXXX / XXXX /  XXXX    XXXX / XXXX /  XXXX    XXXX / XXXX /  XXXX    XXXX / XXXX /  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, Transunion reported a 20 point decrease in my credit score for MY AUTO LOAN AMOUNT BEING DECREASED?!?

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 2021-07-30
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I am complaining because I was a victim of Identity Theft and had a bunch of inquiries on Equifax, XXXX and XXXX, I have called XXXX  and XXXX  and resolved the problem with them, now Equifax I have disputed the inquiries online, have called them and talked to them about the situation and they still telling me that they are not going to remove the inquiries on my report. This is very unprofessional and they should know treat their clients especially if its a paying member.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Mr. Cooper Group Inc.
State: KS
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have had a mortgage with XXXX XXXX  for several years. On XX/XX/2022 XXXX transferred my mortgage to Nationstar Mortgage LLC dba Mr. Cooper. I had to begin making my payments to Mr. Cooper beginning XX/XX/2022. I made my first payment XX/XX/2022. I made a second payment on XX/XX/2022. Mr. Cooper accepted both payments and automatically deducted another payment from my XXXX checking account on XX/XX/2022 without my approval. Mr. Cooper was not authorized to have my checking account information or deduct money from my account. I called XXXX and reversed the unauthorized payment. Mr. Cooper is charging me a {$10.00} fee for something. I assume for that reversed payment that they fraudulently deducted from my account. Each payment was {$930.00}. This was not a mistake. Mr. Cooper knew what they were doing and intentionally committed fraud. 

Mr. Cooper XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Freedom Mortgage Company
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2022 I received a letter from our mortgage loan servicer Freedom Mortgage stating ourn loan had been transferred as of XXXX XXXX to XXXX Mortgage. 

XXXX Mortgage then reached out to me to offer me a new loan to get out of my XXXX YEAR MORTGAGE with Freedom... 

WHAT!!!! 

I took forbearance for several months with Freedom based on them REPEATEDLY telling me to do it. ( I figured fine, I am self employed and was not sure where things were headed due to XXXX... ) Was a great opportunity to pay off a few things and get a better grip on our budget. 

I was told, as it should be, that the mortgage would be readjusted with skipped payments added on the end of the loan, which is fine... 

I never received any " official '' paperwork just a new payment slip ... .I simply started making payments again ... Thank you Freedom...?? 

When The ROCKET tried to get me to refinance with them their costs were ridiculous. And I requested proof of this XXXX year mortgage, as well as Freedom. No responses... 

I refinanced with XXXX locally and they were great, and at least {$8000.00} lower than XXXX. 

I want to lok into Freedom to see if this was true as it would have scammed me out of XXXX months woth of interest!!! ~ Or is XXXX playing dirty??? 

One other thing : When I was with XXXX XXXX years ago I got scammed and some who got caught are still in jail. I feel it was an inside job due to all of the info they had. I have been waitin for response from XXXX Gov for years, I just keep getting inmate updates. Any way to make this a second ( or third ) complaint? 

Thank you in advance for your time.

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 2021-07-30
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent the initial dispute requesting validation on XX/XX/2021 as well as a cease and desist asking Wells Fargo to stop all illigal communication via any medium. My consumer report is a medium through which they are communicating negatively to the detriment of my consumer report and reputation. I also filed a CFPB report ( XXXX ) ; i then received correspondence back on XX/XX/2021 stating that Wells Fargo provided information validating the account but i did not receive the 5 things required pursuant to 15 USC 1692g shown in exhibit B. Since providing all 5 requirements are not optional, Well Fargo is in direct violation on federal law.

I did however receive billing statements from WELLS FARGO shown in exhibits D-G suggesting that an alleged debt was owed but all balances on the statements were positive. this is very false and misleading and in direct violation of 15 USC 1692e ( 2 ).

I also received from WELLS FARGO a copy of the credit application proving that this is a consumer credit transaction that i initiated and i am not liable to pay any alleged debt. I also received a copy of the contract I received from well Fargo shown in exhibit A,
however i noticed in this contract that there is not a right to rescind section ; and i never received any disclosure pertaining to my right to rescind including the proper forms to exercise my right to rescind. This is a violation under 15 USC 1611 ; WELLS FARGO is criminally liable for willful and knowingly not disclosing my right to rescind. As well as civilly liable for {$5000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-06
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have been paying on my formerly XXXX student loan. UAS is the servicer, XXXX bought the loan from XXXX. All the sudden, I could go months without paying, and never heard from them. Then, today, I stacted getting phone calls stating that I am late. I called them and pressed them about what happened with XXXX. I asked if my student loan was one of the ones that was forgiven. He would not answer this question. He refused to give me any information other than my balance and what I owe. I called XXXX and they said to check my credit score, since that would include who has my loan and a contact of the company. I looked up my score and history, and the loan does n't exist. It disappeared, which would indicate that it was one of the forgiven loans. Yet this company, UAS, ( University accounting services ), is claiming I owe them money and is refusing to give me any information on what exactly happened to my loan. ( He was insistent that XXXX XXXX XXXX XXXX was the orginiator. They were n't. XXXX was. ) And XXXX, went under as well and was bought by XXXX. They also are in legal issues and going under. Yet still, UAS is claiming I owe them money and refuses to give me any information. The loan is not anywhere on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX we applied for a refinance loan with Citibank . Our permanent residency at the time was a coop in XXXX, NY. 

Nine long months later.. 

XXXX XXXX XXXX to a family emergency we had to temporarily move out of state and decided to rent out our home. 

We were notified that our loan was declined because the coop was no longer our permanent residency and we were renting it. 

The refinance process took 9 months and throughout we were told that the COVID pandemic created delays that were out of their control. We were asked for duplicate copies of the same documents, asked wrongly to comply with multiple appraisals and our calls and emails were ignored by the representatives we were assigned and their supervisors. 

Just this week ( XX/XX/26 ), sales manager XXXX XXXX reported to us that his supervisor again declined our loan. Mr. XXXX agreed that there was a high level of incompetence by those who handled our application and he felt that we should be approved. However, ultimately, he said that that he couldnt do anything. 

If this process had been handled appropriately then according to Mr.XXXX  it should have been approved and closed in three months from the start of the application. 

Citibank messed up and now we have lost out on a significant amount of money for our family.

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 2017-01-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I disputed an account and requested verification of the following account that Equifax has re-listed on my credit file : US Bankruptcy Court XXXX GA # XXXX ;. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification. 

On XX/XX/XXXX, Equifax confirmed through dispute number XXXX that this account had been deleted. A copy of the file they provided to me electronically is attached. Once it was deleted, I was appreciative as they were not able to verify and did right by me as a consumer and deleted the file. 

XX/XX/2017, I received another dispute confirmation from Equifax showing that they have reinserted this previously disputed, unverified and deleted account into my credit file. Since Equifax states they use XXXX XXXX as the source they obtained the information, I called XXXX XXXX and the agent I spoke with advised me that my security freeze was confirmed and set into place. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported. 

I demand that this public record US Bankruptcy Court XXXX GA # XXXX is removed due to lack of verification and inaccurate reporting of verification! XXXX XXXX agents assured me that Equifax '' s so-called " verification '' WAS NOT REPORTED BY THEM BECAUSE MY XXXX XXXX CONSUMBER FILE HAD A SECURITY FREEZE ON IT. 

Once it was deleted, I was appreciative as they were not able to verify and did right by me as a consumer and deleted the file. Now that 's its been reinserted, they are stating the same thing again ; XXXX XXXX address and a statement saying " the account is released. '' I demand that this unverified account : US Bankruptcy Court XXXX GA # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE. 

I demand and request this public record : US Bankruptcy Court XXXX GA # XXXX is removed/DELETED PERMANENTLY due to lack of verification and INACCURATE REPORTING OF VERIFICATION DATE. XXXX XXXX agents assured me that Equifax 's " reported date '' and " verification date '' DID NOT come from XXXX because they DO NOT disclose information on accounts with a security freeze placed on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: AMERICAN HONDA FINANCE CORP
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have been XXXX XXXX military for 15 years, and, therefore, I am exempt from paying personal property taxes. I originally leased my XXXX XXXX in NC in XXXX  and recently paid off the remainder of the loan, meaning I now own the vehicle outright. Despite providing all the required documentation to verify my tax-exempt status from the time I started leasing the vehicle, Honda/Acura Financial Service continues to call me and tell me I owe payment for personal property taxes. I have reiterated to multiple agents that, by law, I do not in fact owe the tax and that if XXXX has been paying it unnecessarily on my behalf over the last 2 years, that is their problem to fix, not mine. 

Honda/Acura Financial Services has now reported my account to XXXX  as being delinquent based on this property tax issue, despite the fact that I own the vehicle and have no outstanding payments due. When I called their 1-800 number to dispute this debt, the representative was unable to put me through to a supervisor and told me it is my responsibility to contact the tax agency in the county where we purchased the vehicle to verify my tax-exempt status. Not only do I no longer live in NC anymore due to moving to my new XXXX XXXX over 2 years ago, but Honda/Acura Financial Services is essentially transferring the blame for their paperwork error to me, telling me I am responsible for fixing it, and damaging my otherwise perfect credit. The representative claimed I will receive a call-back from a supervisor within 24-48 hours. Meanwhile, this issue remains my responsibility to fix. To say I am upset and completely unimpressed with Honda/Acuras customer service is an understatement, and I do not intend to pay a tax I am legally exempt from paying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I 'm trying to buy a house so the mortgage company ran a credit report. There is a medical bill that is over XXXX dollars. I called the collection company that is holding this account. Spoke with a representative and she also spoke with the manager. In XXXX this company sent multiple letters requesting this be removed from my credit report. It has been XXXX years since this company ( XXXX XXXX XXXX XXXX ) sent this request in writting. Equifax, XXXX, and XXXX are still reporting this negative account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Carter-Young, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt collection account does not belong to me. The debt has been transferred to different lenders and also has been removed and then added right back to my credit report. This is re-aging debt which is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
My auto loan with Capital One was taken out in  XXXX    XXXX   as a refi. The original loan was with  XXXX .  XXXX  was paid off and for the last year I have made my payments on ti me to Capital One.    I was in an auto accident on  XXXX  and my car ended up being a total loss. My insurance company called to ask if I was the only title holder. Confused, I said that  no, Cap1 h as a lien on the car and is on the title. Well come to find out they are not. Because they never filed the title that  XXXX  sent them with the state of DE. I called  XXXX  to confirm it was sent and was informed it was sent the same week they received their payoff. I was told b y a Cap1 rep th at it was found " sitting in a drawer ''. So now the loan payoff from my insurance ( and the rest to me  ) is signif icantly delayed which is also delaying my ability to purchase another vehicle.   At best I feel that this is gross negligence and at worst it feels like it should be illegal. This is n't just a HUGE source of stress for a waste of my time - this simply should not be allowed to happen.    XXXX   XXXX   (  my insurance company ) has gone above and beyond to make sure the payout is expedited using just a copy of the lien release from  XXXX  and a payoff statement from  Cap1 despit e normal state guidelines. But they should n't have to. How many other customers have titles just " sitting in a drawer ''?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
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 check my credit scores quite often and noticed that my credit scores had dropped a couple of days ago. I paid all my bills on time and did not understand why my credit scores had dropped so low in a couple of days. I contacted Equifax on XXXX XXXX, 2017 to check my report and was told that I may have been affected by the data breach. I contacted the other agencies to put a alert on my account.

Company response to consumer: Closed with explanation