BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-18
Company: Experian Information Solutions Inc.
State: FL
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:
At the beginning of XX/XX/2019. I submitted a dispute for all 9 of my department of education loans, disputing the monthly payment amount. Experian disputes the wrong information. So I had to open a new dispute to dispute the monthly payment amount on XX/XX/19. Experian told me to send in proof if I had it and they would attach it to the open dispute. I found out on XX/XX/19 they closed my XX/XX/19 dispute and opened a new one. On XX/XX/19 the department of education/Nelnet send Experian the correct monthly payment amount of zero for all accounts. Experian says they have nothing and the dispute will remain open until XX/XX/2001. Every time I call I get people I other countries who dont understand what Im talking about. This is effecting my credit to debit ratio and Im unable to do anything with me credit because of this issue. All other credit companies have the accurate monthly payment amount except for Experian.

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 2022-08-15
Company: U.S. BANCORP
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Thursday, XX/XX/XXXX. XXXX was looking at rentals on XXXX XXXX XXXX. I found a rental XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX. 3 bed 2 bath and sent seller a message via XXXX XXXX place. This message was sent to XXXX XXXX according to her XXXX  XXXX  XXXX She messaged that the rental was still available. I replied asking if we could setup a walk-thru. She replied back stating to contact XXXX XXXX @ XXXX. I called the number for XXXX XXXX and left a voicemail. He then sent me a text message and we setup a time at XXXX to view the property. As I was driving there he sent me a code to access to property. He then called me as my wife and I was touring the property. We thought it was nice so he sent me an application. I completed the application and submitted it. He then asked for an Application Fee of {$150.00} which my wife paid via XXXX through our bank account to XXXX. He then asked for two more payments for the security deposit. One for {$500.00} and one for {$700.00}. My wife again paid via XXXX through our bank account to XXXX. I then noticed a sign on one of the walls that had a XXXX code to scan. I scanned it and it took me to XXXX XXXX website. My wife called and advised them of what was going on. A lady from XXXX XXXX informed us that this was their property and that whoever we were talking to is a scammer. She advised us to contact the police. I then told the gentlemen on the phone that we know he's not the owner and that we wanted our money back. He then texted me XXXX XXXX with email XXXX stating he was his attorney and that I would have to pay another fee to get our money back. I did not pay. He then asked me to go get a XXXX XXXX and he would return my money. I refused as my wife researched this and found it to be used by scammers. He then had a gentlemen call me from XXXX and try to convince me that this was a legit transaction. I told them they were lying and I wanted my money back. We called our bank ( US Bank ) and filed a claim. Unfortunately, they opened an investigation but could do nothing else at this time. We contact XXXX and their message just refers us to contact our bank. The gentlemen from phone number XXXX and I have been texting back and forth. He keeps stating not to contact the police as he doesn't want any trouble. I told him if he just gives our money back. {$1300.00} in total. He stated he would have to go to the bank. He then stated he would get my money back to me in the monring. So this morning, XX/XX/22 I texted him and he said he was going to the bank. Then he asked me to send his transaction history of the three transactions. I refused.

I have the complete history of the messenger chat, text messages, and partial voice recording of the conversation.

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 2022-01-05
Company: Experian Information Solutions Inc.
State: AL
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:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2020-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I received an email from a XXXX XXXX with XXXX XXXX on XX/XX/XXXX. stating that my account was going to be charged {$380.00} for XXXX XXXX. I called him at XXXX to cancel this charge. He had me get into my checking account with XXXX and then he put the money back in my account but made a mistake and put {$4300.00} in my account. He said the only way I could rectify this was by buying {$2000.00} XXXX XXXX gift cards and {$2000.00} XXXX gift cards and he could put them into his system. However the cards didn't work and he had me go back and buy more cards until they could work. In the end I had purchased a total of {$4000.00} of XXXX XXXX cards at the XXXX XXXX store and {$6000.00} XXXX cards at my XXXX XXXX XXXX. He was so convincing that he was gong to lose his job if we didn't take care of it and was begging me and crying to me. 
The XXXX XXXX card for {$2000.00} was purchased on XXXX and another {$2000.00} on XXXX with my Bank card. The XXXX cards were purchased at XXXX, {$2000.00} on XXXX, {$2000.00}, and XXXX for {$2000.00}. The corporate number for XXXX XXXX is XXXX. The XXXX corporate number is XXXX. I am and older woman and am so embarassed that I fell for this. I hope you can help me recoup my money. I filed a report with the FCC and called XXXX bank and they are working on the fraud for the {$4000.00} cards from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am reporting that a collection Agency named XXXX is fraudulent reporting an account I never had in the time frame they specified on the bill dating back to XX/XX/XXXX. I have repeatedly asked XXXX and TransUnion through disputes for proper validation of this debt since XX/XX/XXXX and I have continuously explained that this account isn't mine. In XX/XX/XXXX, I was with the carrier XXXX at the time and had been for some years. XXXX sending me a bill is not proper validation. Plus the name addressed on the bill is not even my identity.I initialized a dispute with TransUnion on XX/XX/XXXX and they responded back today, on XX/XX/XXXX as " validated ''.

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 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 HAD A CHANCE TO CAREFULLY REVISE MY CREDIT REPORT BUT TO MY SURPRISE I DISCOVERED SOME ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS REPORTING ON MY CREDIT BUT DOES NOT BELONG TO ME. I HAVE NO KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIIES AND HAVE THE REMOVED FROM MY CREDIT FILE AS SOON AS POSSIBLE. PLEASE UNDERSTAND THAT THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND IS IN NO WAY CONNECTED TO ANY TRANSACTIONS THAT I HAVE MADE IN THE PAST.

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 2017-08-31
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I recently closed on my loan, and my loan was quickly sold to Wells Fargo. 

Wells Fargo, without any reasoning or backup, changed my escrow withholding to be different than what is on my closing documents by about {$200.00} a month. The forecasts they used to justify this change are wildly out of line with closing documents as well as documented county tax information. 

They are telling me they will not adjust my escrow amounts due despite my having documentation of my closing estimates and my tax bills.

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 2022-08-15
Company: PENTAGON FEDERAL CREDIT UNION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi- I have been receiving credit/loan denial letters in the mail at my current home address from multiple banks and credit unions where someone has attempted to apply for a loan in my maiden name. I checked my credit report and placed an initial fraud alert on my credit through XXXX. I'm afraid someone has my social sec #, current home address, and definitely my maiden name, XXXX XXXX. My name is now XXXX XXXX XXXX ( married in XX/XX/XXXX ). There are upwards of 11 soft inquiries on my credit report, most of which occurred on XX/XX/XXXX and XX/XX/XXXX. The last time I applied for credit ( myself ) was through XXXX XXXX  ( XXXX ), when I opened a credit card to purchase furniture. I am concerned about my finances, credit score, etc. My credit is very volatile because I do not have many open lines of credit, and my mortgage is in my husband 's name and my car is paid off. These inquiries have dropped my credit score by XXXX points. Please advise me on what to do. Should l place a credit freeze with all 3 major credit bureaus? Or is the fraud alert enough to keep me safe? Also, is there anything I can do to dispute these inquiries and raise my credit score?

There are 3 loan applications from XX/XX/XXXX ( that were not me ) made at PENFED Credit Union. Personal Loan Application # XXXX, XXXX, and XXXX ( see attached letters ). Wondering if they have any knowledge if these applications were done online or in a branch. What are their requirements for applying for a loan? I'm trying to understand what information someone has of mine. Ex. ) old driver 's license, piece of mail??? 

Thank you, XXXX XXXX XX/XX/XXXX Cell : ( 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 2019-10-18
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
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:
A LOAN WAS OPENED IN MY NAME AROUND XX/XX/2019 FOR {$20000.00}. 

ACCOUNT NUMBER XXXX I FIRST OUT ABOUT THE FRAUD AROUND XX/XX/2019 AND PROCEEDED TO FILE A REPORT WITH THE FTC FOR IDENTITY THEFT. 

I MAILED A DISPUTE LETTER TO PENTAGON FEDERAL ON XX/XX/XXXX REQUESTING TO CLOSE THE UNAUTHORIZED ACCOUNT AND TO TAKE STEPS TO REMOVE THIS ACCOUNT FROM MY CREDIT FILE. I PROVIDED A COPY OF THE IDENTITY THEFT REPORT, PROOF OF IDENTITY AND A NOTICE TO FURNISHERS OF INFORMATION. 

THIS WAS SENT BY CERTIFIED MAIL, TRACKING NUMBER XXXX AND RECEIVED XX/XX/2019. TO DATE THERE HAS BEEN NO RESPONSE FROM PENTAGON FEDERAL.

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 2017-08-31
Company: The J. G. Wentworth Company
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchase my home through the XXXX XXXX XXXX XXXX. My mortgage loan is with J.G. Wentworth. Over the past couple of years, I have had an increase in health insurance premiums, prescription medication, real estate taxes, groceries and utilities. In XX/XX/XXXX, I contacted XXXX XXXX a housing counseling agency to see if I could possibly get help in reducing my mortgage payments. I have been working with XXXX XXXX, Housing Counselor. This agency is part of the US Department of Housing and Urban Development ( HUD ). All documents were submitted to J.G. Wentworth through XXXX XXXX XX/XX/XXXX I received a letter in XX/XX/XXXXstating that my request for a Standard Loan Modification was denied because I do not have sufficient income that would allow J.G. Wentworth to offer a modification. My total monthly income is {$2800.00} ( retirement & Social Security ) and my mortgage is $ XXXX monthly. My total expenses are {$3500.00} monthly. Any increase outside of what I have budgeted shortens any funds that I would need for my necessities.
In XX/XX/XXXX, we submitted an appeal and have yet to hear if it has been denied or approved. My housing counselor has spoken to J.G. Wentworth on several occasions and each time she has run into a brick wall. I have also spoken with J.G. Wentworth and keep getting the run around. They will not provide the underwriters information and they denied the modification. I am current on my mortgage payments, but I dont know how long thats going to last. This is why I am trying to get a jump on my financial situation before its too late. I want to stay in my home. I do have the file that was submitted to J.G. Wentworth.
I do hope that we can work together to get a reduced mortgage rate so that I may be able to continue to making my mortgage payments. If additional information is needed I can be contacted via email or @ XXXX. Your assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I only authorized one consolidation of my Federal Student Aid Loans, that was the consolidation of XX/XX/XXXX, performed by XXXX. XXXX was no longer my student loan servicer. There were 14 loans consolidated XX/XX/XXXX there were no loans from XXXX - XXXX to be consolidated. This is fraud! 

There were no Federal Student Aid Loans or any other education loans after the consolidation of the XXXX and XXXX Federal Student Aid Loans  that were consolidated XX/XX/XXXX. 

Nelnet began servicing my Federal Student Aid Loans in XXXX. 

There were no Federal Student Aid Loans or any other education loans to consolidate. 

I never authorized Nelnet to consolidate any Federal Student Aid Loans, there were none to consolidate, this is fraud! 

Why has XXXX been consolidating my consolidating my loans again and again when they were not the loan servicer at the time of the XX/XX/XXXX consolidation ; there were no new loans to consolidate after XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Southwest Credit Account # XXXX XXXX {$860.00} I keep receiving collection notices from Southwest Credit and I have responded to them in writing letting them know that I do not owe this debt and I have never done business with them or their original creditor XXXX. They have ignored my written response and continue calling me and trying to collect the debt. They have the unverified items listed on my credit report in violation of the Federal law. I have requested validation of this alleged account but all I get is a bill as a validation. I have asked them to provide me with a copy of a contract with my signature obligating me to this debt but they have not been able to do so. This debt has been in dispute since XXXX 2017 which is more than the 30 day dispute period outlined in the FDCPA. I am fully aware of my rights under the Fair Debt Collection Practices Act and will not hesitate to take all legal steps necessary to protect myself. Again I am disputing this debt and I am keeping accurate records of all correspondence including tape recording all phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX XXXX XXXX is charging me fees even though my account is not in the negative. 
On theXX/XX/XXXXthey posted a fee of {$35.00} on my account, which has affected my subsequence transaction to cost my account to be in negative and the further charge me 2 more insufficient fee for {$35.00} each. 
I had money come into my account todayXX/XX/XXXXXXXX ; veiwing my account this afternoon I see another charge off extended overdraft fee for another {$35.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account, XXXX has violated my rights Under the HIPPA Law, a HIPAA authorization form gives covered entities permission to use protected health information for purposes other than treatment, payment, or health care operations. Which I did not give permission 15 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 A section also states a consumer reporting agency can not furnish your account without my written 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 2022-08-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 that a consumer reporting agency can not furnish an account without my written instruction These rights have been violated by the following accounts being listed on my credit reports : State of MI office of C. for over {$5000.00} and {$8000.00} US Bankruptcy CT GA XXXXXXXXXXXX which was discharged

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 2017-08-31
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/XXXX I purchased a ring from XXXX XXXX in the XXXX. A Comenity Capitol Credit card was opened for the purchase. The credit card was charged {$8600.00}. I was told at the store that if I was not happy with my purchase that I could return the ring for a full refund within 30 days. I was also told in the store that my ring would appraise for well over the {$8600.00}. I brought my ring home and had the first appraisal on XX/XX/XXXX. That appraisal came in at {$4900.00} That appraisal cost {$75.00}. XXXX XXXX would not accept my appraisal. I had to get a " designer appraisal '' at {$120.00} That appraisal on came in at {$7700.00} I told them I was not happy with my purchase and wanted to return the ring. They refuse to give me my money back. They got the ring back on XX/XX/XXXX. Registered mail and insured. ( Proof enclosed ). XXXX XXXX stated they do not do give any refunds only store credit. I was lied to when making the purchase. I have enclosed page after page of NY Better Business Bureau of the same complaints. They were supposed to issue me store credit by XX/XX/XXXX which I did not agree to and on XX/XX/XXXX still nothing. I contacted the credit card company to issue me a refund and dispute the charges. They refuse to issue me a credit. I do n't have the ring or the store credit and they are still charging my credit card.

Company response to consumer: Closed with explanation