BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-04
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
This is written notice to Experian that your claim has been disputed under the Fair Credit Reporting Act ( FCRA ). I have the legal right to dispute any inaccurate information that is being reported in my credit file. I have requested proof that the address, and phone numbers, and erroneous credit information, which have been illegally displayed and continue to be displayed on my credit file, be verified, and if verification can not be made within 30 days time frame allowed to Experian by law. the disputes listed in my original complaint must now be completely removed from my credit report ( Experian has now legally exceeded the time frame allowed by law ). 
Experian legal staff will agree that compliance with this request under the laws of the FCRA and Colorado and Federal statutes. 
The law requires compliance with the terms and conditions of the Fair Credit Reporting Act ( FCRA ), within 30 days or complete withdrawl in writting of any claim. 
Experian has failed to remove this inaccurate personal information, and the disputed accounts outlined in my original disputes. this inaccurate personal information should not be associated with my credit report and Experian has failed to legally verify this information in the time frame allowed by law. 
in the event of noncompliance, i reserve the right to file charges and /or complaints with appropriate county, state & Federal authorities, the BBB and XXXX XXXX associations for violations of the FDCPA, FCRA and Federal and State Statutes on fradulent extortion. 

XXXX XXXX XXXX XXXX XXXX Co, XXXX is the only address that should be legally associated with my credit report, I have never lived at the other address that have been associated with my credit report, as I also do not have a phone, this phone number should not be associated with my credit report ( XXXX ) XXXX, please remove this inaccurate information as soon as possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
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: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXX  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 2016-01-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have been paying my mortgage and XXXX ( Balloon ) for 10 years without late payments. From almost the time of acquisition of the property it was under water ( purchased in XXXX XXXX ). the lender on both the XXXX and XXXX mortgage is the same, Wells Fargo. I tried to get a HARP about 7 years ago to refinance, but Wells Fargo declined me, since they said the LTV/CLTV was above XXXX percent. 
The XXXX on my home has a balloon payment that became due in XXXX XXXX. Prior to that I tried to refi and WellsFargo said I did not qualify, and then sent me to another XXXX of their programs and they said I did not qualify and it was not a hardship. So, I called to speak with a supervisor in the loan center since I did not understand why making a payment of $ XXXX plus all at once was not a hardship, and she said since I could take money from my retirement account to pay the loan. Is this the same bank that received a bailout from the Federal Government based on the taxes that I pay? 
For the last 10 years I have been paying on a loan where the XXXX was in excess of XXXX % ; I have made my payments diligently and on-time to Wells Fargo. Now, they are refusing to extend the terms of the loan, so I can continue to make payments and keep my home. This type of loan with a Balloon Payment has been outlawed by the Consumer Financial Protection Bureau ( CFPB ) since XX/XX/XXXX as documented in the Truth-in-Lending Act and Regulation Z relating to a Qualified Mortgage ( QM ) and the Ability to Repay ( ATR ) except for small creditors. Both the first and second mortgages were financed by Wells Fargo at the time of purchase and to-date, Wells Fargo is the creditor of these loans. 
I have been treated unfairly, and this is a game with the bank where they make you jump over many hoops to provide lots of paperwork and run the clock out so the consumer is left holding the bag, with a mortgage default and bad credit. So the bank can turn around and sell the property in a bidding war.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Navient Solutions, LLC.
State: MD
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:
Navient calls me on an average of about five ( 5 ) times a day regarding my student loans and this is clearly harassment. I have been making payments on my student loans each month for the past three ( 3 ) years, but they continue to call and harass me for their payment. I ensure I pay the minimum payment each month, however it seems like that 's not enough for Navient to stop contacting me for a payment. 

About 6 months ago, I even started making extra payments towards my students loans to see if that would stop the phone calls, but that did n't stop Navient from calling me at least 5 times a day. When a Customer Service Representative from Navient calls to ask for a payment, I inform them that I would make a payment in a few days. They insist that I make a payment over the phone and they have no reason to ask me for a payment because I 've been making more than the minimum payment each month, sometimes twice a month. 

I understand if I was delinquent to the point where Navient was n't receiving any money whatsoever or if I never made contact with months or years. But that 's not the case. I 'm making monthly payments and it 's just not enough for Navient. They call me early in the morning while I 'm sleep, They call me during the afternoon time. They also call me at night.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
On XXXX XXXX, 2016, I walked into the Wells Fargo Branch where I normally do my banking. I requested a banker to help me wire some funds to another country. Basically, I provided all the necessary information to the banker so she would process the wire. It was towards the end of the work day. She told me that it would take 5 to 7 days for my cousin to receive the funds. Seven days passed and my cousin had not received the funds. So, I asked my cousin to inquire at the bank in XXXX where the funds had been sent to. It turned out that the Banker at the Wells Fargo branch had made a mistake when she entered the information. One of the numbers in the account was wrong. Consequently, I went back to speak with the same banker about the mistake. She compared the information I provided to her and what she had entered, and sure enough she had made the mistake. She suggested that the next step should be to amend the wire, and she did. Again, she said 5 to seven days for my cousin to receive the wire. After seven days passed my brother had not received the funds, and so I went back to the branch again. This time the manager at the branch told me that she was in charge of the case. So, she filed a recall, and pretty much nothing has happened after not. Every time I contact Wells Fargo all they are able to tell me is that they have been writing letters to the bank in XXXX but they have not received a response from them yet. In my opinion, I feel like Wells Fargo is not doing enough to recall these funds. It is a large amount of money for me, {$60000.00} that I need to give my cousin. It is Wells Fargo 's responsibility to rescue the funds and put them back into my account as soon as possible but it does not seem like it is of importance to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: CCS Financial Services, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
A company named CSS has suddenly added information to XXXX with it not previously being on there. It has dropped my credit score by almost 100 points

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: Experian Information Solutions Inc.
State: NV
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've tried to dispute with the car company XXXX and they refuse to delete the BLATANT incorrect information on my credit report. My report is supposed to be 100 % accurate and it's obviously not. XXXX is reporting incorrect and mismatching data for all 3 credit agencies ( Experian, XXXX, XXXX ). I've disputed multiple times with the agencies and with XXXX and they and nothing has been done. Every time they come back as " VERIFIED ''. How can it be verified with all of the agencies and they have different data on each one?!?!?

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 2022-06-04
Company: EQUIFAX, INC.
State: NV
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've tried to dispute with the car company XXXX and they refuse to delete the BLATANT incorrect information on my credit report. My report is supposed to be 100 % accurate and it's obviously not. XXXX is reporting incorrect and mismatching data for all 3 credit agencies ( XXXX, Equifax, XXXX ). I've disputed multiple times with the agencies and with XXXX and they and nothing has been done. Every time they come back as " VERIFIED ''. How can it be verified with all of the agencies and they have different data on each one?!?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I need to dispute this account and have it removed from my credit report without negative impact this account was sold to Midland credit management by XXXX XXXX bank I did not authorize no type of consent with midland to have any of my information or to contact me the debt is for XXXX and I would like to have it removed from my report without negative impact by law im not obligated to pay this debt XXXX  XXXX sold the account to XXXX and the balance was no where near XXXX I want them to stop contacting me and please remove it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-04
Company: BB&T CORPORATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I went to BB & T bank to secure a VA loan XX/XX/2016. My loan officer miss represented the Underwriters needs concerning needed documents needed for closing. I sent newly prepared documents in. time was relevant and time ran out. I then had a new meeting with loan officer and was told i would be able to get qualified and that he would write a letter himself to address the problem area i was having to get loan processed. XX/XX/XXXX i was rejected because all of the documents i had sent in to prove i was living in home was n't enough i had asked my loan officer i 'd do anything they wanted to prove my living in the home and did everything i was asked. I then went to another Bank where I transfered all my documents to and the only thing left was the VA appraisal. I put in the request to have the appraisal transferred weeks went by nothing. twice this scenario happen. I wrote multiple emails to BB & T then was told they needed a letter from both new bank and myself requesting the appraisal be transferred. I did that and thought everything was over but got email from mu loan officer stating that he had not received the appraisal yet. I wrote the loan officer at BB & T again he stated that he was working on it and to be patient. Im now into the next year and my new loan officer just sent me an email stating that i 'm about to loose my locked in interest rate because BB & T cant or wo n't transfer my appraisal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Overlimit fee

Complaint:
I had been problem with well Fargo Bank I 'm hearing impaired. First of all I walk in there and consumer talk to me about new open credit card but no interpreter there I did n't understand first thing how to use credit card to make pay that day so I have been frustrated with debit bills and they harrasement me mail and force me to make pay over XXXX I decide to file complain about well fargo bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: JPMORGAN CHASE & CO.
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We financed a XXXX XXXX XXXX in XX/XX/XXXX. The loan was for XXXX. We stopped receiving notifications for payment. When we complained the issue was not resolved. They called and demanded the entire balance of the loan which is XXXX. When we tried to make arrangements to pay late payments we were not given the opportunity to do so. We were told either pay it in full or the vehicle would be repossessed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I am corresponding to you pertaining to an issue regarding my Kohl 's Capital One Card regarding a XXXX 2015, 30 day late payment that was reported to my credit report. 

In early XXXX, I had taken off to visit family out of state. Before embarking on my trip, I had setup auto payments through my XXXX XXXX XXXX XXXX checking account to pay off the Kohl 's account balance for the upcoming payment. 

However XXXX XXXX XXXX XXXX failed to execute the payments to Kohl 's, despite the online confirmation I received from them. I would not find out about the delinquencies until my return home in XXXX, by which time the account was over 30 days late. 

Kohl 's customer service department requested that I sent them documentation from XXXX XXXX XXXX XXXX that proved the errors, as well as statements that show my bank account had more than sufficient funds to cover the balance when I had setup the payment. I went ahead and sent them both these pieces of information. However, inspite of this Kohl 's retorted weeks later claiming this issue would not be resolved since the late was not their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX we found out that our bank account was charged {$53.00} XXXX XXXX XXXX. Immediately we called the bank and dispute this unauthorize charge. We filled out paperwork and provided brief explanation about the amount to the bank. The bank credited the {$53.00} back to us. We exchanged several phone calls with the bank representative and letters with the Citibank about this charge. On XXXX XXXX they debited our account again for {$53.00}. 
We would like to make a final resolution to the unauthorized charge. We called the Citibank representative and asked to provide the name and address and phone number of the Citibank investigator and direct contact of the vendor who should be our first point of contact as to this charge but no names were given to us. As such we feel we have been harassed for profit. 
We hope that the amount of {$53.00} will be credited back to our account and that will be the end of it.

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 2015-12-30
Company: WELLS FARGO & COMPANY
State: WI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I wanted to consolidate my credit cards. I went to my bank that holds my mortgage. I had a XXXX credit score and wanted to use my equity in my house to get a loan to pay off {$20000.00} in credit cards. The loan officer took all the information and worked with higher loan officers. They told me to get the Wells Fargo credit card that gives back XXXX % to the home mortgage and transfer {$5000.00} to that credit card. Also, they said if I paid off the rest of my car loan, that would make the numbers work. I sold some of my father 's estate items and paid off the car. I transfered half of my XXXX card to the Wells fargo card and then they denied my application. 
The loan officer said there was an issue and he would try again because he was told it would work. I was denied again after he assured me it would work. Now my credit score is down to XXXX or so and we tried a third time based on his " new '' information from his loan associates. They denied me again. 
The problem he told me was with the amount on the credit cards being used in my application even though the money is to be used to pay them down. Every time he would call them, they would say it was fine and they would take that into account, yet, everytime the loan was applied for, Wells Fargo would turn it down. 
I wasted my time, sold items I did not want to sell and lowered my credit score all because Wells Fargo told me the numbers worked and I would be able to get a loan. 
This is ridiculous that this can happen. I honestly believe they wanted me to transfer my credit to their card and then hold me hostage. 
XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
on XXXX 2015, i reported my credit card lost, but capitalone credit card stated that they will issue the credit card, which will take 7 to 10 days, but i have not receive my card and I told capital one XXXX, but i have still not received my credit card, i verify my address too. I know that capital one has some not pleasing customer service issues, which i decided to file a compliant. The company is holding my credit card, I also had my card stolen and there was some unauthorized charges on my card. Which I had to call and tell capital one about the charges, but the company only gave me partial amount of the unauthorized charges, which for the third time, there is still another XXXX that the company owe me. They tell me not to worry, but the company has a XXXX fraud liabilty, so since they wont cooperate, i decided to file a compliant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I submitted an online application for a Capitol One Credit Cardone week ago. I received my approval within minutes. I thenreceived a phone call from the Fraud Detection Department. 
As well as a follow up letter saying that New Documentationwas needed to verify my identity due to suspected identity theft. 
I ask what this was regarding and received no response. I thenagreed to submit a copy of my drivers license front and back aswell as bank statements and other proof of residence. I spoketo a supervisor on XXXX XXXX at Capitol One that informed methat no other documentation will be required and it would takebusiness days to resolve this issue. I received the cards but wasinformed that account was on hold. I have been receivingphone calls and emails from Capitol One asking me to resendthe same documents over and over again and was told XX/XX/XXXXmy cards would be restricted until I send documents for 4thtime. I ask to please tell me what the circumstances werethat brought this matter up. No response. Capitol Onerefuses to activate my cards. they are harassing me via calls aand email. I want answers.

Company response to consumer: Closed with explanation