BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight withXX/XX/XXXXi spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2015-07-07
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card
Issue: Billing disputes

Complaint:
I recently received a letter from Wells Fargo dated XXXX XXXX stating that my account was past due and that my account was being shut down and I need to send them money immediately. I have not used this card in over a year and have not received a bill in that time. This is the first that I heard of a balance or that a payment was past due. 

They certainly have my contact and mailing information, since I receive advertising and other offers from Wells Fargo frequently to entice me to use the card again. At any time they could have sent me a bill, but instead have only contacted me when this balance I was not even aware of is past due. 

Earlier that week I contacted Wells Fargo about a fraud alert email because of an address change I did not make. It was a false alarm ( simply an update from the post office ) but no mention was made of this overdue bill at that time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I received info that XXXX XXXX has sold my LOAN account Navientwithout my knowledge to avoid being taken to court for unlawfulillegal loan that they distributed and lied about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Penn Credit Corporation
State: KY
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 had a call from XXXX. They asked if was the resident, immediately asked for personal information without saying their name or who the company was. I had to asked for her name and the company name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I missed only one payment, and as soon as I found out made the payment plus the late fee, but I still got a " Notice of Foreclosure '' from Bank of America! This is very frightening. I have lived in this house and paid faithfully on the mortgage for over 17 years. 

I have been extremely ill in the last years and have been late on some payments. This documented illness is why I missed that payment in XXXX this year. Oversight, nothing else.

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 2022-08-18
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a HELOC on XX/XX/XXXX. Due to the size of my property i was informed i would have to pay for an appraisal. Penfed sent me a link that randomly selected a company. I paid {$580.00} to XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX came out to perform the appraisal. We received the appraisal report on XX/XX/2022. I immediately contacted Penfed and stated DISCRIMINATION and the lady 's report had erroneous statements and values to under value our property in addition to quoting the Fair Housing Act. Penfed sent me a Reconsideration of Valuation ( ROV ) to complete with properties we felt were more comparable. I was informed ROV was sent to the Penfed appraisal team who then sent it back to the same company, XXXX XXXX XXXX. I then stated again that I stated DISCRIMINATION. Penfed then stated they will send it to another company. This other company came back with the same value. This was another red flag. For example, appraisal report stated, " The appraisers calculations use lot sales in the past 24 months ranging from $ XXXX - $ XXXX, which is an error and valued our home at $ XXXX times XXXX acres = $ XXXX ''. However, a lot XXXX acres sold for $ XXXX XX/XX/2022. This property is 0.5 miles from my home. This is why i requested a meeting with the Penfed appraisal team to discuss the following : 1. What properties were used in comparison? I would the percentage provided as well.

2. Were any of the properties used in the ROV? If not, I would like a detailed explanation.

3. What second company was used for the appraisal?

I have not heard anything back from Penfed.i also requested my {$580.00} back from Penfed since they were the ones who introduced a XXXX to provide a valuation on my home. There business practices are flawed and need to be corrected immediately. My paperwork for the Heloc is still not complete.

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 2017-05-01
Company: RFNA, LP
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company, Republic Finance, h as  left 7 voice mai ls on my cell phone since  XX/XX/2017   .     Calls have originated from several different  # s, s ome from the 'call-back ' number left in the message, others from a number where the  last two digits may dif fer from the call-back number,  XXXX  They are looking for someone named "  XXXX  '' ( spelling is a guess, being pronounced as sounding like   XXXX   XXXX  .     There is no one at that name here. I do not know anyone by that name, and have had this phone #,  XXXX , for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: KY
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:
Sometime in XXXX or XX/XX/2022 a fraudulent change of address was submitted to the post office in my name, XXXX XXXX. We realized this when we received a XXXX  verification in the mail. 

We had the XXXX stopped but not before several applications for credit were made in my name. At least one account was opened for a XXXX XXXX Bank. We have been working with the bank to get this account closed- talked to them on phone and have submitted an affidavit regarding fraud. 

However, at this time the fraudulent card is still active and on my credit report. Experian refuses to remove this account from my credit history.

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 2016-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
there are XXXX hard hit credit inquirys by bank of america on my credit report. I DID NOT AUTHORIZE THEM.XXXX of the hits were on the same date! XX/XX/XXXX. on my transunion credit report bank of america had hard hits on XX/XX/XXXX ( XXXX ) XX/XX/XXXX and XX/XX/XXXX. I had been contacted by the bank regarding my equity line of credit that had a balloon payment coming due in XX/XX/XXXX. I paid off the loan on XXXX XXXX with funds from my IRA.I had inquired at bank fo america about their rates but I never authorized a hard hit credit report.In fact I was very clear and stated that I did not want a credit report pulled. landsafe credit ( a company that is affiliated with bank of america ) pulled a hard hit credit report on XXXX. there is no reason that XXXX hard hits from the same bank should have been pulled against my report on the same date! the bank was informed that I was going to pay off the loan in novemeber. I contacted them to get the payoff figure. They pulled another hard hit report on the day before i paid the loan off. This is unacceptable. The hard hits have caused my score to be negatively impacted and my insurance rates for my XXXX auto policys and XXXX property policys and XXXX umbrella policy to be higher than they should have been for the past 2 years. XXXX policys at aprox XXXX more per year that I was charged because of the lowered score times 2 years is XXXX that I was financially penalized because of casual policys at the bank to pull peoples credit reports. Once again I wanted to state I was very clear when I contacted the bank that I did not want my credit pulled and I was only contacting them for information ... NOT to make application. They wanted me to modify my loan. After I did my research and was told by the bank that I should stop making my payments on the loan to qualify for the loan remodification I was appalled. over 6 years ago I had XXXX credit card that XXXX missed a XXXX payment due to being ill and the bill getting lost in the shuffle. other than that I have always paid my credit card bills and house loans in full and on time. ( credit card with visa has been paid monthly on time and in full since XXXX ) anyways to be told not to make the house payments to " qualify '' fro a loan was something I was not going to do. From the dates you can see they pulled XXXX credit reports in less than 17 days is unacceptable. pulling a credit report the day before I paid off the loan is unacceptable. I am asking that the XXXX hard hit inquirys be removed immediately. Thank you XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Dear Consumer Relations : After receiving and reviewing the results of a recent disputes sent to you, I am now requesting the method you used to verify certain items on the credit file dated XXXX/XXXX/15, with Confirmation XXXX. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I am requesting this for the following accounts : XXXXThe data you seem to be verifying has been sold to a dept. collector who has gone out of business, then purchased by another dept. collector who has purchased my personal information without my permission. I have no such of any kind of contract with this furnisher. I think that it is appalling that you insist on reporting derogatory and false information on my file. I am asking you to provide me with all documents to support this data. Your dates are not accurate, in question, nor or the amounts being reported. Please provide me in full detail, data that support this. I will pursue further actions in a timely matter against this derogatory data. Please delete this data immediately. I have nothing to do with that account. The furnisher has mailed me incorrect data with my information being wrong. My full name I will provide with this letter. 
As stated in FCRA 611 ( a ) ( 7 ) you must provide this information no later than XXXX days after receiving this request. I appreciate your handling of this request in a timely manner. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, INC.
State: MD
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: Problem with personal statement of dispute

Complaint:
Equifax and maryland child support credit report showing inaccurate information in reference to child support payments where never late and are directly taken from pay once a week since court order

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My account was charged overdraft fees for several years without my consent into the program. When I learnt of the Cfpb rule on this practice, I contacted the bank to show me the single page opt-in consent form that I should have signed according to the cfpb rule but they could n't.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: LDF Holdings, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/20, a representative from " LendGreen '' contacted my elderly parents via telephone, asking to speak to me. She repeatedly asked them for my phone number. When they asked her what this was about, she refused to answer and continued to ask for my telephone number. When they refused to give it to her, she hung up on them. This was very upsetting for my family. I then called the number that had called them. She answered the phone using my name ( apparently they have caller ID ). I asked her why she had called my parents ' home looking for me ( I have not lived there in over 20 years ), and she would not answer until I " verified information, '' including my social security number, which I refused to do. She would not give me any further information other than she was from " LendGreen. '' I do not know anything further about this company, and have not been associated with them in the past. I told her not to contact myself or any of my family members moving forward.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2015-05-01
Company: Stearns Ventures, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Stearns loan is being serviced by XXXX. I never had an escrow agreement for XXXX to pay my insurance or property taxes. But they started paying my taxes, unknown to me. I was also paying my taxes. I paid all my monthly mortgage payments on time, but they kept part of it and so did not apply it to my loan. When I called in they would say they did not have proof of insurance so XXXX times I faxed it in, and customer service would say they would correct it. This never happened and so the loan kept showing in arrrears. Even though I have never missed a payment, my due date remained unchanged at XXXX XXXX, 2014. It was placed in default and I eventually had to pay what they said was the balance due to clear it. As a result, my credit was damaged as it kept showing late payments and default. The loan is now current but there is still the erroneous late reportings. I have never missed a payment, but XXXX has grossly mismanaged this account and caused the missed payment reportings to the bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a Capital One 360 Performance Savings account on XXXX XXXX, 2020. 
I applied a promo that promised a {$500.00} bonus is {$50000.00} in funds in kept at the account for 60 days. To ensure the bonus went through, I called a Capital One representative right after to confirm - he promised me that he had applied the bonus to my account. 

On XX/XX/XXXX, the {$50000.00} were transferred by me to this account. 

I called Capital One 60 days after to enquire about the bonus. They said that it might take another 90 days to provide the bonus but the condition that I keep {$50000.00} in the account for 60 days had been fulfilled. 

On XX/XX/XXXX, after over 4 months of keeping the funds at the bank, I withdrew my {$50000.00} given the conditions had been fulfilled. 

Not seeing the bonus again on XX/XX/XXXX, I called Capital One again and the agent told that I just had to wait a few more days and guaranteed the {$500.00} bonus would be applied to my account. 

I still have not received the bonus and Capital One committed blatant fraudulent advertising

Company response to consumer: Closed with explanation