BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We are working with Wells Fargo on a police and fire ( PFRS mortgage ). The mortgage broker, XXXX XXXX, XXXX Mortgage Consultant - XXXX ID XXXX, in charge of our mortgage process failed us miserably. She was n't returning phone calls, emails and then never sent the loan confirmation to our lawyer. In addition, she was n't communicating with her own underwriters. The underwriters could n't even contact her. She was n't returning their emails or phone calls. They could n't find documents that she apparently said she had sent. She chose not to step up and apologize but rather now has been dragging her feet even more. We have a closing date for XXXX XXXX. We are unsure now that we will be able to close. Very frustrated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX I opened a home equity loan with wells fargo. In XXXX my wife lost her job and I was informed by the wells fargo rep he could lower my payments and talked me into a " new product '' unknown to me I was enrolled in help for homeowners (? ) and it had been listed on my credit report ( never saw this on my credit report ) I discovered what had happened in XXXXafter I was turned down for a critical business loan due to the " modification to my account ''. I immediately called to have it removed from my credit report and return to my old payment ... Due to bait and switch and bad banking practices I was sold a flawed product that front loaded me for failure as the loan went interest only but never informed me at the time my balloon payment was unchanged. I have BEGGED wells fargo dozens of times to recognize the bad math on my account only being told the product is no longer offered and can never be changed as it stands. They asked me to apply for new products and did so only to be rejected without even sending in my financials ..also I have paid 10.67 % on this loan for years despite the lowest interest available being told that a change to the interest rate could NEVER happen. I have never missed a payment, I am greatly concerned as I was threatened they will liquidate my home due to bad banking practices.

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 2023-08-08
Company: Experian Information Solutions Inc.
State: NY
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:
Re : complaint number XXXX The company, XXXX XXXX  XXXX XXXX , by their General Counsel, has confirmed to me that the delinquencies filed over the past 4 months were in error and has informed me that they filed a correction with Experian to have them removed. Yet I received a confirmation from Experian, dated, XX/XX/XXXX, in response to my prior complaint stating that the company confirmed the delinquency was correct. As the company confirmed with me that they have withdrawn the report of any delinquencies, as in error, Experian needs to double check and remove the delinquencies from my record as if they were never filed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2017-01-09
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Navy Federal Credit Union is reporting a line of credit/installment loan to XXXX and XXXX credit bureaus that I NEVER opened. They are reporting that I opened the account XX/XX/XXXX to XXXX and reporting to XXXX that I opened it XX/XX/XXXX. THEN they are reporting that the 1st delinquency as XX/XX/XXXX, AND that it was charged off in XX/XX/XXXX. AND they are reporting it was reviewed for 20 months on XXXX -- HOW could it have been reviewed for 20 months when they are trying to say I opened it XX/XX/XXXX yet it was charged off XX/XX/XXXX? I did NOT open this account in XXXX period. I have disputed it with the credit bureaus and I sent a certified letter to Navy Federal Credit Union which they rec 'd on XX/XX/XXXX. ( See attached ) They have since verified the account with the credit bureaus and they have not responded to my letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This firm represents XXXX XXXX in his modification. In XX/XX/XXXX Wells Fargo told XXXX XXXX that if he stopped making the payment they would modify his loan. XXXX XXXX comjplied and stopped making payments and in XX/XX/XXXX was approved for a HAMP Trial Modification. XXXX XXXX timely made his 3 trial payments in the amount of {$1500.00}. Then XX/XX/XXXX he was told by Wells Fargo that he would be receiving his permanent package XX/XX/XXXX. When he did not receive his permanent modification package, XXXX XXXX contacted Wells Fargo on three separate occasions and was told that they had no record of a modification. Soon after that they proceeded with his foreclosure case at which time XXXX XXXX retained our firm. 

XXXX XXXX reapplied for a modification at least XXXX times over the next years. He was denied a modification because he did not qualify for an in-house modification and Wells Fargo would not review him for HAMP because they stated he already had a HAMP modification in the past. This is incorrect because Wells Fargo never sent him the permanent HAMP modification package in XX/XX/XXXX. 

Finally in XXXX XXXX, XXXX XXXX was able to obtain a HAMP modification. He made three trial payments in the amount of XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to Wells Fargo. He accepted his permanent modification in XXXX XXXX for payments in the amount of {$1700.00}. He continued making the {$1700.00} payments for XX/XX/XXXX and XX/XX/XXXX. Approximately 2 weeks ago, XXXX XXXX received his XXXX XXXX statement informing him that the payments have been increased to {$1700.00}. Last week he received another statement stating that his XXXX XXXX payment and the next 59 payments would increase to {$2100.00}. XXXX XXXX can not afford this increase and the increase does not comply with HAMP guidelines. Please help. 

On another issue, XXXX XXXX received settlement checks from his insurance company to repair the roof. He sent the first check in excess of {$4600.00} to Wells Fargo and they told him that they would not give it back to him to fix the roof. The check was cashed by Wells Fargo. XXXX XXXX has an additional check to repair the roof in the amount of {$15000.00} but this check is also made out to XXXX XXXX and Wells Fargo. XXXX XXXX is afraid to send Wells Fargo the check as Wells Fargo has not sent him any money from the first check. XXXX XXXX needs his roof repaired desperately. We need some type of guarantee that Wells Fargo will release all the funds to XXXX XXXX in order to fix the roof. If the roof is not repaired his homeowner 's insurance will increase to over {$5000.00} per year. It will double until the roof is replaced. Please 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 monetary relief
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
*THIS IS NOT A DUPLICATE COMPLAINT, THIS COMPLAINT IS IN RESPONSE TO MY PREVIOUS COMPLAINT * TO WHOM THIS MAY CONCERN, THIS IS MY LAST TIME ADDRESSING THIS FRAUD INFORMATION THAT IS STILL REPORTING ON MY CONSUMER REPORT. IT HAS BEEN WELL OVER 30 DAYS FROM THE TIME I'VE MADE YOU ALL AWARE OF THIS INACCURATE INFORMATION ON MY REPORT BUT IF THIS ISN'T FIXED WITHIN 14 DAYS I WILL BE FORCED TO FILE FOR LITIGATION IN A FEDERAL COURT. THE FOLLOWING INFORMATION NEEDS TO BE BLOCKED AND REMOVED FROM MY CONSUMER REPORT : FRAUDULENT ACCOUNTS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-08
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account Number XXXX ( FRAUD ), XXXX XXXX XXXX Account Number XXXX ( FRAUD ), XXXX CARD Account Number XXXX ( FRAUD ), XXXX XXXX Account Number XXXX ( FRAUD ), XXXX Account Number XXXX ( FRAUD ), XXXX XXXX Account Number XXXX XXXX FRAUD ), XXXX Account Number XXXX ( FRAUD ), XXXX XXXX  Account Number XXXX ( fraud ) XXXX XXXX Account Number XXXX ( Inaccurate reporting has reported paid in full due to auction sell on report then re put on credit as a separate debt. Was not notified by certified mail of a debt after sale per Texas law ), XXXX XXXX Account Number XXXX ( FRAUD ), XXXX XXXXXXXX Account Number XXXX ( FRAUD ), XXXX XXXX XXXX Account Number XXXX ( FRAUD ), XXXX Account Number XXXX ( FRAUD ), XXXX BANK Account Number XXXX ( FRAUD ), XXXX XXXX XXXX NA Account Number XXXX has violated my rights. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a Mortgage Loan with JP Morgan Chase, on my primary residence.Because of various hardships, listed in my hardship letter, I fell behind on my payments. I understand I am behind by 6 payments ( {$6300.00} ) including XXXX 2015. 

They have scheduled an Auction Date of XXXX XXXX 2015 to sell my home. So I had submitted a complete HAMP Modification package on XXXX XXXX 2015. They received it but said that I should have applied at least 1 month before the auction date. Since I did not do that, they are going ahead with the Auction. I DO NOT KNOW, IF THERE IS ANY SUCH RULE UNDER HAMP GUIDELINES.Please examine this and arrange to stop the auction. 
Since they are saying it is too late to do a modification, I requested them to allow me a Repayment Plan with 50 % of the arrears being paid now and the balance in say 6 monthly installments along with my regular payments.Even this they refused and are bent upon auctioning the property on XXXX XXXX. 

This is my Primary Residence, and I want them to give me a chance to keep it.If they auction it, my husband, I and my XXXX XXXX children will be thrown onto the street.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: MA
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 XXXX XXXX XXXX XXXX  Account is 19 years old, three times mass limit of 6 years. I tried reporting to each credit agencies and no response.

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 2016-11-26
Company: JPMORGAN CHASE & CO.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I travelled to XXXX, XXXX for business. On one night on XXXX XXXX I went to a restaurant and when I left I realized I had lost my wallet. I came back to the restaurant and found my wallet but XXXX individuals from the establishment stopped me and wanted me to pay more money but since I had already paid what I owed in cash I did not want to pay anything else. Forcefully, they put me in a room and would not let me leave. When I tried to run towards the door, they held me and XXXX. After approximately 2 hours they took me to another room and took my wallet from me. They ran my cards - XXXX of them went through and they would not let me go until I signed the vouchers. XXXX of the cards was a credit card from XXXX and the other XXXX was a debit card from Chase. After I signed the vouchers - trying to sign with differences to my true signature since I was not authorizing these charges - they released me and I left to my hotel in a taxi. At the hotel, still traumatized by the experience I call XXXX and Chase and reported my cards lost/stolen. I felt afraid being in a foreign country like XXXX where the news about corruption did not make me trust going to the police. I reported the incident to my supervisor upon my return home and I am fighting the credit card charge with XXXX - this was a corporate credit card. The XXXX investigation is still on-going and since I came back I wrote them a letter with the full story including the abuse from the merchants. The first Chase investigation concluded on XXXX XXXX and they stated the charges were correct. I called Chase and they told me the card used was authentic and made with chip technology transaction ( chip card and terminal ). I explained them over the phone the full story regarding the abuse I suffered and they re-opened the investigation. On XXXX XXXX they concluded the same as with the first investigation - that the card used was authentic and made with chip technology transaction. I called them and explained that since the beginning that has not been in question. What is in question is the unauthorized use of the debit card. Still they told me Chase could not do anything more and that I had to pursue other avenues outside of Chase. On XXXX XXXX I sent a letter to Chase asking for the documentation they used for their investigation including the documentation that will support that the merchant bypassed the use of PIN for my debit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-23
Company: Performant Financial Corporation
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
A few weeks ago, I was was called in the operation managers office, because someone called my employer requesting payroll/employment information about me. I was told the name of the company was Performant Recovery Inc . 

I was stunned because i had no knowledge of who/whom was inquiring about my employment and i assured my employer that i had not been sued and there was no court order in place for my wages to be withheld. 

I was provided the name and number of the representative to call on my own. However, a few days later i received a notice prior to wage withholding from Performant Recovery , Inc . 

Please be advise ... i have no knowledge of what the debt is for. I was never contacted initially by them. I never received a collection notice so the debt was never validated ... .. they went straight to my employer to try and garnish my check and sent me a notice later to advise me of what it is they are trying to do to me .... which is bully me into paying something i know nothing about and could have possibly lost my job.

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 2017-04-26
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I spoke wit h two represen tatives from  XXXX   XXXX   XXXX  about my car loan that I paid off last month, and how the loan is not showing on any of the credit reporting agencies, and I have paid every payment on time for the  last five years,  but nothing is on my credit reports. I was told that since I filed bankruptcy in  XXXX  of  XXXX  that they took it off of my credit reporting, however this loan was not included in my bankruptcy and was never affected. I need this loan to show that I took it out in  XXXX  of  XXXX , made the first payment in  XXXX  of  XXXX  and every subsequent payment until I paid it off in  XXXX  of  XXXX . Every payment was made on time and even prior to the due dates. None of this is reflected on my credit reports. I have the letter from  XXXX  stating that the note has been paid in full, I have the lien free title, and I have the payment schedule from  XXXX  showing each payment paid over the last 5 years. My loan # is  XXXX . I was also told that I had to contact my bankruptcy attorney to get this corrected, which I did, and she stated that they are incorrect in not updating my credit reports.     Thank you,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
UPDATE TO CLAIM XXXX XXXX -- -- -UPDATE TO CLAIM XXXX XXXX EXPERIAN HAS TAKEN LONGER THAN 60 DAYS TO PERFORM ACCORDINGLY TO I THE CONSUMER AND TO THE CFPB. EXPERIAN WAS PLACED ON NOTICE THAT UNDER 15 USC 1681i AND CFPG  REGULATION THEY SHALL REMOVE ALL REQUESTED ACCOUNTS FROM MY CONSUMER REPORT FOR FAILURE TO PERFORM IN A TIMELY MANNER. AS OF TODAY EXPERIAN CONTINUES TO FURNISH ACCOUNTS ON MY CONSUMER REPORT THAT WERE REQUESTED TO BE REMOVED AND THAT MUST BE REMOVED UNDER CFPB REGULATIONS AGAINST 15 USC 1681a ( 2 ) ( i ) EXCLUSION. EXPERIANS FAILURE TO PERFORM ACCORDNGLY HAS CAUSED ME TREMENDOUSE MENTAL ANGUISH AND HAS HURT MY REPUTATION CAUSING ME TO MISS CREDIT OPPORTUNITIES LOSING MY FEDERAL RIGHT TO CREDIT ( A DIRECT VIOLATION UNDER 18 USC 242 ) AND CONFIDENCE IN THE BANKNG SYSTEM.

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 2023-08-08
Company: Experian Information Solutions 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:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to 3 credit bureaus were XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts/Inquiries that are still reporting on my Credit Reports : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-01-23
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am XXXX and looking to get my student loan forgiven and I want to repair my credit. NelNet is no help in accommodating my request. I have faxed over the necessary paper work. Everytime I call they always have a wrong address for me from 7 years ago. Thats 7 years of interest thats accumulated. They said they will send a response to the previous address with their decision even though I updated my address in the NelNet website. Help.

Company response to consumer: Closed with explanation