BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-20
Company: WELLS FARGO & COMPANY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon review of my consumer report I have never signed or had a contract with Wells Fargo but I seen damages and harm to my consumer report after seeing an account Wells Fargo has been reporting thats false and inaccurate information to my consumer report I spoke to Wells Fargo reps on about the XXXX of XX/XX/2022 the names are XXXX, XXXX XXXX And XXXX gave me a case number XXXX XXXX XXXX Executives intake.. 
The account thats being reported is affected my personal life and violates my rights as a consumer

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 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XXXX  account number XXXX, XXXX account partial account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX. XXXX partial account number XXXX, XXXX Department of Social Services account number XXXX, have all violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A. States a consumer reporting agency can not furnish an account without my written consent or instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/ 2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2022-08-04
Company: Experian Information Solutions Inc.
State: SC
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:
In XXXX after my credit score dropped almost XXXX points XXXX reported my loans 90 days past due but I did a deferment. I was not notified by XXXX before deferment ended. I submitted a dispute the same day XXXX  put a forbearance in place that I was not aware that I had available to me. On each loan with Experian and XXXX XXXX I placed reporting wrong and in forbearance. Yesterday Experian sent me a notification that my dispute was completed and XXXX changed nothing and left all loans as is. I called Experian and they told me to upload proof so I did. This morning I got another notification that another dispute was opened giving XXXX another 30 days to fix it. I brought this to XXXX attention yesterday and quickly they reported to XXXX XXXX that my loans were current. Also I called XXXX about the Settlement list and they would not provide any information at all. I called the Sc Attorney General 's office in SC and got a call this morning stating I wasn't on the list and I have loans that were private and also loans for for-profit schools. And again XXXX will not give me any information. I have had nothing but headaches with XXXX since they were XXXX XXXX. I did a rehabilitation in XXXX for XXXX loans and was told by XXXX the guarantor that I could have those loans transferred to my other servicer who is wonderful but that never happen. For the damage to my credit I would like to sue XXXX and Experian. The loans for XXXX College also belong to once was XXXX XXXX. In XXXX I believe XXXX  XXXX switched the name to XXXX College. I only had a few months left until I finished and they made me start all over again and take out loans for classes I already took. Virginia College took a numerous amount of financial aid from me and when my step dad passed I took a short break and when I tried to return I was denied entry. The dean said I had attended too many colleges???? I just attended there almost a year????? They were also a for profit school that closed down along with XXXX. My Virginia College loans are with XXXX I believe. I asked XXXX for the forms for forgiveness on those loans and they stated they didn't have the forms and that if the school did not close I probably wouldn't get. I am so so upset and tired of 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 2022-03-20
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX22 I sent the collection agency s letter to validate my debt by sending me a copy of any viable evidence bearing my signature and showing the amount reported as inaccurate. I also requested how they verified the account without providing any proof bearing my signature. I requested a copy of any documents bearing my signature showing that I legally have a binding contractual obligation to pay the alleged amount. They did not send me anything bearing my signature and just sent a letter saying it was verified. I wish this to be deleted from my credit bureaus or I will be forced to file a small claims action seeking a minimum of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: OneMain Finance Corporation
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I emailed the company regarding trying to make a payment online and it wasn't letting me. The did respond to me on and told me I needed to call to them. I didn't get a chance to call and was going to make a payment on XX/XX/XXXX and I woke up this morning of XX/XX/XXXX to find my car gone a XXXX XXXX XXXX they also took my XXXX XXXX XXXX. Nothing on my loan account when I log in states my car was going to be repossessed. I did not get anything in the mail that stated my car was going to be repossessed. I would think I would have been notified that if I didn't make a payment or make arrangements or something my car would be repossessed in so many days.My loan payment was past due {$1500.00}. Now I have no way to get to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a debt on my credit report from XXXX. After attempts to dispute it with them for many years, I gave up. XXXX then randomly sent me a 1099-C cancellation of debt - code G " Decision or policy to discontinue collection. Decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. '' They sent this 1099-C form to an old employers address. Thankfully my employer had my info to send it to me or else i would not have gotten it. XXXX also sent it 10 months after they had cancelled the debt ( and they sent it past the XX/XX/31 deadline ). With that said, experian is still showing it as a collections account on my credit report. I submitted a dispute and provided the documents showing the debt has been cancelled at the creditors request, and i also showed them that the debt is also 7 years old, so it should have been removed just on the statute of limitations alone. They came back with dispute results and said that " XXXX verified the information as accurate, so no changes were made ''. This legally is supposed to be removed from my credit report. Im not sure why they insist on keeping something on my credit report that not only has the documentation to prove its cancelled/discharged, but if XXXX is truly verifying this as an accurate debt, that means theyre actively going against the 1099-C " Cancellation of Debt '' IRS form they sent me , and i will have to let the IRS know that I have reported this as income due to cancellation of debt, but that XXXX is not honoring it XXXX as i no longer have any responsibility for the amount owed.

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 2022-07-14
Company: EQUIFAX, 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 the last few months I have been checking my consumer reports with XXXX, Equifax and XXXX. In XXXX of XXXX, I have reviewed my latest consumer report. I am aware that there are unauthorized hard inquires that was placed on my file without my consent. According to many acts such as the GLBA ( Gramm-Leach-Bliley Act ) your agents/representatives are not safeguarding my sensitive data. 
I have spoken to the agents of all bureaus to have these inquires removed from my files within 15 days. An FTC report is included with this complaint. I expect for the following inquiries removed from all 3 credit reporting agencies IMMEDIATELY. I am opting out as of today XX/XX/XXXX for the reporting of the inquiries listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTARTMENT OF EDU XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX  violated my 609 rights by reporting incorrect information to Experian regarding my credit profile. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX Auto Fin, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX reported to Experian that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my date of birth, address, names, and employers corrected on my report as this is a violation on my consumer protection rights.

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 2022-03-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've had mortgage with Wells Fargo for many years. Pay every month about 7-10 days early. Between XX/XX/XXXX and XX/XX/XXXX I paid {$3000.00} every month. In XXXX i received a call from Wells Fargo that my monthly payment was incorrect. After long discussion I agreed to pay additional {$750.00} to bring account current and to pay $ XXXX henceforth. On XX/XX/XXXX i received a letter from XXXX that my mortgage is in default and recommending that i take steps immediately. After long discussion I finally discovered that in XX/XX/XXXX the bank got my payment as usual but because the amount was less than they wanted they had NOT Paid MY Mortgage.Instead they had applied the entire payment to principal. They never told me. They have been reporting me to credit agencies, they threaten to forclose, claiming that I failed to pay when in fact I have never missed a payment or even paid late. They did it to me and they did not even tell me. Why didn't they call me? They had two numbers on file, one of which has been out of service for 20 years. They never called to other one. I note that the young man I spoke to in XXXX was able to reach me by phone.Why not a letter? Why would they do this to me? The computer did it. Why cant they go back to fix it? It was too long ago. I must pay a 13th mortgage payment this year or else face foreclosure. They are cheating me. You would think you could trust a bank with your accounts but I realize now this is not true. I am XXXX years old. Maybe thats why the pursue this policy.

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 2016-05-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have bought a property in Vermont ( XXXX XXXX XXXX, XXXX VT XXXX ) on XXXX/XXXX/XXXX for the price of {$150000.00}. The property was appraised for {$160000.00} at the time of purchase by the Guaranteed Rate the mortgage company that I borrowed from. The loan amount was {$130000.00} and since I did not put XXXX % down payment there was a PMI with my mortgage payment. The loan was later on sold to Chase bank and I have been paying my mortgage regularly and never were late or overdue. 

I have paid extra every month to bring the LTV ratio down to XXXX % so I can get ride of my PMI. MY LTV ratio since XXXX XXXX, XXXX is below XXXX %, however the chase bank is refusing to wave the PMI and insisting on me paying Chase ( {$110.00} ) to do a broker price opinion ( BPO ) of my property. I told them why should I pay them extra to the XXXX when clearly Home Owners protection act indicates that there should be automatic PMI termination : " In accordance with the Homeowners Protection Act, your lender must terminate PMI on the date your loan balance is scheduled to reach XXXX % of the original value of your home ( in other words, when your equity reaches XXXX % ), provided you are current on your mortgage payments '' My property at the time of mortgage valued more than what I borrowed from, I clearly followed the bank rules indicating that PMI should be terminated when the LTV ratio is at XXXX %, based on my original repayment. Bank is telling me that since based on my original amortization indicated that I should be at XXXX % by XX/XX/XXXX. And since I have paid a head I need to get XXXX which does not make sense and this is another excuse for the bank to ask for more money. I have called them several time and I have mentioned to them that what they say is against the home owners protection act which was passed in XX/XX/XXXX to protect the consumers and it clearly states that the bank should have automatically cancelled the PMI as soon as my equity reaches XXXX %. 

Thank you for your attention, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Because of the CodVid19. I've decided to cancel all my vacations plan until things get better. I've booked most of my vacation with American Express Travel. I booked airfare and 3 hotels. The airfare they provided me with future credit and I'm okay with that. However, the XXXX hotels I've booked which equal a total of {$1100.00} were cancel and American Express Travel sent an email that it will take 45 days to get a refund but back into my American Express Platinum. I currently have a {$700.00} balance on my American Express Platinum, which is technically slightly past due, because I was going to use the money from the cancellation toward the due amount. I've spoke to both American Express Platinum and American Express Travel. Platinum say I have to take it up with the Travel Department ; The Travel Department says to take it up with the credit card. I ended up speaking with the The Travel Department supervisor and she said that because the cancellation was initiated there was nothing they can do in their end and because of the CodVid19, what normally takes 7 days to process now takes 45 days to process. Platinum says they can't see the cancellation, and would have to wait the up to the 45 days to see it. I requested to speak to the supervisor 's supervisor. She said that person will take 7-10 business days to return a phone call to me. However, Platinum was able to waive the late fee and they said that while they understand my frustration, American Express Travel is a separate company and can not control what they do. 

My concern now is that in 45 days my account will generate another billing cycle and I will charge another late fee and possibly damage my credit. While there is a past due amount, the cancellations is over the amount that is due and I am owed the amount of {$480.00}. ( IE : {$1100.00} of cancellation - {$700.00} of past due = {$480.00} ). It's took a few seconds to charge my account when I booked this trip ; why is it taking 45 days for me to get my money back? Why isn't American Express Platinum working together with American Express Travel to make this process faster?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
There are XXXX accounts on my credit report that are not mine. The creditor claims to have sold them and can not provide documentation, but still refuses to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I mailed a check to my bank clearly marked " for deposit only '' with my signature and account # on the back of the check. It did n't show up on my bank statement. I called the bank and after several phone calls back and forth, the asst bank manager told me that the check had been cashed out. They surmised that it had been stolen and cashed with only initials under my name. But it was cashed at the bank I sent it to. They claim they never received it. And they have a policy of double endorsement -- that a second party could cash the check with proper ID. I asked for them to check and identify the teller. They said they could n't. More phone calls. I finally sent a letter to the bank 's District Manager asking him to verify their banking policy about " double endorsement. '' I did n't receive a response. He only referred the letter back to the original bank. I spoke to the bank 's manager and she said the check should have never been cashed, that I was a victim of band fraud. She came up with a plan to try to get my money back. After much legwork on my part, I got the bank where the check originated to file an " Endorsement Forged Affidavit and Agreement '' including a police report. This was sent to the bank 's security office. Months have gone by and I have not received any response. I have checked with other banks about their policies and I have been told that under no circumstance would they cash a check marked for deposit only to a second party, unless the first party was there in person to sign the check over to the second party! My feeling is that the bank who cashed the check made a mistake and they do n't want to deal with it and just want me to go away. I need help! I have copies of my correspondence with the bank, notes of phone calls, names of bank officials, etc. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: EQUIFAX, INC.
State: MO
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:
n accordance with the Fair Credit Reporting act XXXX  account XXXX has violated my rights as an illegal report ; 15 U.S.C 1666b section ( A ) states A creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for any purpose.

Further ; 15 U.S.C 1681A Section 2 ) Exclusions under ( I ) states A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report.

However this account has been *reported as late* and therefore contains information solely as to transactions or experiences between the consumer ( I ) and the person making the report.

Company response to consumer: Closed with explanation