BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: MD
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 2017-06-14
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My name is  XXXX   XXXX   XXXX  and I have a Private Student Loan with Navient. I am   XXXX   XXXX   XXXX   XXXX   XXXX  and have filled out paperwork and have submitted doctors statements, but have been told that I do not even qualifiy for forgiveness. I can barely afford to eat and pay my other bills and have explained this to Navient and tried to work with them, but they refuse to do anything and have continued to call  me three ti mes a day, every single day, even on  Saterdays, Sundays and at night, early in the morning and all different times harassing  me about payments for months on end. They give me no options and I do n't know what to do! I need help. If someone can help me please call at  XXXX  Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: JPMORGAN CHASE & CO.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Sold vehicle I had financed with Chase Bank. I owed {$25000.00} and sold vehicle for {$30000.00}. Buyer sent check ( was told it was a cashiers check ) directly to Chase bank. Check was rec 'd at Chase on XX/XX/20. I contacted Chase on XX/XX/20 and was told loan was paid in full. I specifically asked if it was okay in releasing vehicle to buyer. I was told yes, it was a recorded line so this should be verifiable. I was told it would take approximately 10 days for the additional funds to reach me. On XX/XX/20 buyer provided sent me a proof of insurance on vehicle and arranged for a local towing company to pick up the vehicle. On XX/XX/20 I reached out to Chase Bank again on status of check that was to come to me and was told the check had been mailed out. On XX/XX/20 Chase mailed me the vehicle lien release. On XX/XX/20 after still not receiving the check I reached out to Chase who advised the check mailed to me certified check and been intercepted because the buyers check had a stop payment placed on it on XX/XX/20 and therefore the loan was reinstated. At this point the truck is no longer in my position and Chase has been completely unwilling to help and continue to state my next payment is due on XX/XX/XXXX. I've spoke with their fraud department who said it was a said situation, but there was nothing they could do. I've asked Chase for a copy of the check and they said they would mail it to me, but haven't gotten it. I do not understand how Chase can accept a check on XX/XX/20 and it allowed to be stopped XX/XX/20. Of course the buyer 's number is no longer in service, the police has went to the location that the truck was delivered and it isn't there, the address the buyer gave it to an office building. I felt having the check mailed directly to Chase and waiting for them to advise us when it was safe to release possession of the truck was being extra cautious and they are blaming us for the issue and told us just to turn it in to our insurance. This will cause our rates to go up and be possibly dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Experian Information Solutions Inc.
State: CA
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 was made aware of four accounts today XX/XX/19 on my credit report that do not belong to me. These accounts were opened by someone named XXXX XXXX without my permission. I was not part of anything involving these accounts nor did I benefit anything from them being open without my permission such as money, goods, services, or any other benefit. I also never made any payments towards these accounts nor purchases. Im not sure why or how that person got a hold of my personal information to open these accounts but I have already filed a police report in hopes of getting my credit reputation cleared up.

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 2022-08-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo bank closed a savings account without notice and refused to provide a reason. The bank most likely is trying to charge a higher monthly fee and is closing this account to force a higher monthly charge on a new account.

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 2022-04-01
Company: BANK OF THE WEST
State: AZ
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:
Bank of the West is stating that they spoke with me about issues with the GAP insurance and the loan. They have never had a conversation with me and I want proof of the recordings. There were never communications with me and if someone was stating to be me it is fraud and the recordings will show. Bank of the West is also stating and admitting the this car was paid IN FULL by The end of XXXX in 2018. This fraudulent error of keeping the negative on my credit report is causing my family to not be able to get a car or buy a house. The car was paid in full. Payments were never missed. Insurance paid and the GAP paid the bank. I demand that Bank of the West Furnish proof that they spoke with me and as well ask for good faith of removing this reporting from my credit report. Why would it be reported as bad debt when the bank received everything it was suppose to receive. Payments before the accident were perfect history and then insurance and GAP paid the rest. This is Blasphemous.

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 2022-04-01
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I completed all requirements for the opening bonus but have not received it. The terms stated that I had to maintain a {$5000.00} balance for my first three statements and complete 20 debit card transactions. The debit card requirements were completed on XXXX and XX/XX/XXXX and show up on the statement as Debit Card Purchase. On XX/XX/XXXX at XXXX, a customer service representative XXXX verified that my daily balance requirement was completed as the wording was ambiguous and since the account was opened at the end of a billing period, my opening deposit was deposited on the fourth day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Attached email describes my concern regarding a request for an extended Forebearance that went into effect effective XX/XX/XXXX, twelve ( 12 ) months of Forebearance ended XX/XX/XXXX. 
However, I requested an extension from my mortgage company and would like for them to extend it to XXXX ( XXXX ) as outlined in the US Government regarding Forebearance Extension. 

This is not a complaint, but hopefully to avoid foreclosure as I am anticipating the Virginia Homeowner Assistance Fund to become live and active and to make application for Assistance with paying my mortgage. 

If these options are not available to me, I will need additional time to obtain other assistance that may be, or become, available to me and I need your agency 's help and guidance with my dire and pressing situation. 

Thank you respectfully, 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 2020-06-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI
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:
Called USAA CREDIT CARD CUSTOMER SERVICE 2 years ago about credit alert that my credit score went down from XXXX to XXXX Representatives told me it was because I used XXXX $ on a credit card that I asked for a low limit to use online because are other card had XXXX $ of available credit We have never had a late payment had XXXX $ in available credit She told me because I used half of the XXXX $ credit limit. We then got in an argument about this I asked to report a complaint and they would put me on hold and disconnect from me this went on for 3 hours. Since then my credit report from experian has been lowered then the rest of companies. Usaa submits charges that are false on my card the credit reports are lowered on my report then my husbands 2 years this has been going on USAA HAS REPORTED THAT WE OWED XXXX $ false on our credit card. We have been so careful with are money I dont feel a representative should be able to do this to someone who has outstanding credit Please make this stop they recently added a XXXX $ charge that was disputed and refunded back on to my credit card to lower the score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I first tried to open an online savings account with Marcus by Goldman Sachs on XX/XX/2022 around XXXX XXXX. They requested that I need to call them up for further clarification. On the call, I was informed that my application to open an account was declined but the representative refused to give me a reason why the account was declined. They asked me to try calling them again in their normal working hours and maybe I could get some more information on the reason of rejection. 

I called them again on the morning of XX/XX/2022 at XXXX XXXX, but I had lost my application reference ID from last night since I accidentally closed the tab. I asked the representative my next steps, and asked if they could do a manual evaluation. They asked me to do a telephonic application which would then be followed by the manual evaluation. I provided all the information to them, and during the evaluation, I was declined once again and once again, I was refused any information on why my application was declined due to " security reasons ''. I asked if they use XXXX or XXXX XXXX XXXX to verify my identity so that I can fix any errors on my file with them. Once again, I was refused any information on this matter. I believe it is a federal right for banks to disclose the reason for declining to open an account, and I understand that maybe they could not have done that over the phone. Hence, I am writing this application to try to obtain the information via proper channels. 

I understand that under the Patriot Act, it is now more difficult for foreigners to open bank accounts. I am a citizen of XXXX and I have a valid passport along with all other documents. I would like to point out that I was never asked for a copy of my passport, lease agreement, utility bill, or any such document to further verify my identity. I am more than happy to furnish more information. 

Please let me know my further steps in this regard. I simply wish to keep my money in a savings account, and I would like to know if there are any errors on any of my reports so that I can fix it in the appropriate place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2017-06-07
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bayview Loan Servicing LLC has violated Bankruptcy Law and State and  Federal laws by trying to foreclose on our home. XXXX XXXX XXXX has violated Bankruptcy Law and state and federal laws by trying to foreclose on our home while in bankruptcy with fraudulent documents. Master Servicer XXXX XXXX XXXX developed a scheme and transferred loan to Bayview Loan Servicing to cover up Bankruptcy Law violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: CNG FINANCIAL CORPORATION
State: CA
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:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: AMCOL Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, a visit to XXXX XXXX XXXX had taken place. Insurance information was provided, Full Coverage XXXX, and it was said that no balance was owed. The hospital never reached out via mail or telephone regarding a balance. On XX/XX/XXXX, the account was sold to Amcol Systems Inc. of XXXX XXXX XXXX. XXXX SC, XXXX with a balance of {$1100.00}. The collection account was then added to a credit report, which in how the whole situation even came to light. The collection agency was then reached out to in regards of just gathering information on this collection account. The representative that was spoken to was extremely rude and disrespectful, using obscene and abusive language. When asked to locate the collection account under the social security number of the accused individual they could find ZERO accounts under that social security number. They had to search between different variations of names, telephone numbers, and addresses to even locate an account under the individuals name. When asked to provide documentation to the individual the representative was very hesitant in response, said that it would be sent out, but nothing was ever received. The individual has filed disputes against the collection account with XXXX and XXXX which have resulted in nothing. The individual has also reached out to XXXX, in which XXXX stated that the individual did indeed have Full Coverage XXXX at the time of the visit on XX/XX/XXXX and that they would gladly provide that information. Though, they will not be willing to pay the bill off because you can not file a claim with XXXX if it has been over a year from service. The individual is now reaching out to Consumer Financial hoping to have this reconciled and removed. The bill should have been billed to insurance, the collection account is not tied to the correct social, and the representative was rude and obscene. The contracted was also canceled when the account was sold and wrote off to the Collection Agency via XXXX XXXX XXXX, therefore there is no contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
To whom it may concern, I attended XXXX XXXX University from XXXX XXXX XXXX XXXX. I had taken out a loan with XXXX XXXX, who became Navient, so that I could finish my XXXX academic year. I began to repay the loan while serving in the XXXX ( XXXX XXXX ) for four years. Once I separated from XXXX XXXX I checked my balance and it had gone up from the moment that I began payments during my XXXX XXXX term from XXXX XXXX, XXXX XXXX XXXX. The interest rate that I was being charged was above what an XXXX XXXX military member should be charged, and I was not informed that my payments were not even covering interest ; which would result in my principal loan amount increasing even though I was making monthly payments for 4 consecutive years. If any additional information is required please contact me at : XXXX or at my cell : XXXX XXXX XXXX XXXX. Thank you for your time. Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: NC
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:
It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC 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 2020-07-25
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Opened account with XXXX XXXX, purchased and paid off item. My credit report reflected more than 60 days late. Contacted XXXX XXXX and was told it was a glitch. Was fixed week later and now issue is back. I have asked them to fix, close my account and delete from bureau. I can not afford their glitches and mistakes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
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:
My name is XXXX XXXX, and this complaint can also be associated with case # XXXX. IF you look at that case the client clearly stated the following. 

" However, in an effort to resolve this matter, we have terminated collection efforts on the debt and requested the credit bureaus to delete our tradeline. '' I need this account updated asap and this trade removed from my file asap and an updated credit report sent out to me asap. 

Account name XXXX XXXX XXXX Account number XXXX XXXX Report # 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