BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-21
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Fair Collections & Outsourcing ( FCO ) is reporting an account on my credit report that was paid and was suppose to be deleted from my credit reports once I agreed to pay them. The account is past the 3 year statute of limitation in Maryland and this account is from XXXX to XXXX. I paid the account as a settlement with the agreement that it would be removed once it was paid. I was told that they had the agreement from there client XXXX at the XXXX to offer the settlement for deletion but they continue to report this account on my credit reports.

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 2015-10-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I asked Experian for validation of XXXX items on XXXX/XXXX/2015 : XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXXThey could not provide verification of the validity of these debts. XXXX XXXX XXXX was equally unable to provide proof of my owning this debt. I followed up with Experian asking for removal of the incorrect tradelines. I provided copies of all correspondence and proof of receipts. Other credit reporting agencies have removed the offending items and I would like Experian to follow suite .

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Please sanction Wells Fargo Home Mortgage. As I approached the end of my Mortgage Obligation, including a point when the funds in " Our '' escrow account were sufficient to retire the Principal ( including any related " nuisance '' interest for whatever number of days of interest Wells Fargo Home Mortgage could conjure for its administrative delays ) -- yet, payment demand continued. Then, with a final insult of a colloquially-known " Loan Payoff '' form letter from Wells Fargo Home Mortgage, it adds the audacity of " we require the loan to be paid in full. '' This despite the fact that this same form letter shows a dollar figure of " Your Escrow Balance '' -- as in " my '' ( " my money '' ) which pays not only what was demanded therein but would 've covered the principal pay-off, accumulated interest, and associated conjured fees from the statement preceding. Yes, this likely only happens for a borrower one time in a loans ' lifecycle -- but, I neither have any control or recourse. It is only " my '' Escrow Balance when it is convenient for Wells Fargo Home Mortgage to label it as such. Instead to the very end, I am supposed to pay-in on a deadline with consequence, while the return of the Escrow Balance when all is done and said will take its time and will be at no risk of consequence in the event of Wells Fargo Home Mortgage delay or error. I submit this first-off to get a Case Number, so that a record of some sort exists when Wells Fargo Home Mortgage fails to perform what they indicated will be done, which is to apply monies from the Escrow to close-out the Mortgage Loan, before sending the balance of unused Escrow to me. 

In the larger sense, I ask why, would not the forward calculations be made to automatically apply the Escrow Account balance when the Principal, Interest, and pending or anticipated Escrow-covered-disbursements net to zero -- send that as a notification ( perhaps even with a pending period equivalent to whatever policy-based delay the Mortgage Lenders currently have built-in before returning " unused '' Escrow Funds ). In this way, administrative overhead for the Mortgage Lender, and Customer inconvenience of arranging pay-off would be effectively eliminated. XXXX imagine that, ... the Mortgage just ends saving at least two unnecessary exchanges-of-funds. Recall that the Mortgage Lender has all of the information and control -- all I get is the " of course '' when something is screwed-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 explanation
Consumer complaint received 2016-08-02
Company: SECURITY FINANCE CORP
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A person from Security finance from XXXX Georgia went to.my former landlord asking where I live then to my present landlord. She then came to my house banging on doors and Windows yelling

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 2023-03-29
Company: Experian Information Solutions Inc.
State: DC
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2015-12-04
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is not responding to my requests to investigate, verify and remove accounts from my credit report that do not belong to me per The Fair Credit Reporting Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On Saturday XXXX XXXX, 2016, I called the toll free number to Wells Fargo to activate my new debit card. Upon entering my new card number, the next automated response I received stated that my card is now activated and ready for use. I was a bit appalled that the automated system did not further authenticate my information, which raised a concern for my privacy/security. On that same date, I sent an email to Wells Fargo customer service stating my issue. My main concern was that since no additional account information was asked to verify my identity, that basically if my card were to be lost in the mail, anyone who retrieved it would have been able to activate the card and use it. On Monday, XXXX XXXX, 2016, I received a response back from their customer support. The representative explained the process and I felt good about it. However in the response, the representative provided to me a phone number that " was on my profile ''. To my shock, the number that was provided to me was NOT my phone number. Wells Fargo had provided to me another customers phone number. This has further raised my concern for my privacy/security. How do I know if that same representative provided MY information to another customer? This is a very concerning issue to me. The additional responses I had received from Wells Fargo customer support have not been satisfactory at all.

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 2017-01-28
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I cosigned a private loan through XXXX to help my step son get a secondary education ( contingent on not having any financial responsibility for the loans ( My step son, his mom and his dad agreed to this ) ) XXXX transferred the loan to Navient to service. Upon graduating from college my step son did not make enought money to cover the monthly payment for all his Federal and Private student loans. In XX/XX/2012 we contacted XXXX/Navient to set up an income based payment plan so that he himself could afford to make the payment each month on time without undue hardship. XXXX/Navient refused and would only offer to allow him to make interest only payments for two years. Feeling that there were no other options he ( with the help of his Mom and Dad ) complied and they collectivey made interest only payments on time each month for two years. My step son has always had a job, decent credit and was making the payment on time each month. He requested XXXX release me as the cosigner for the loans - they denied his request citing he did not meet the requirements but they would never disclose what the requirements were not met. After the interest only two year period was up the monthly amount due doubled. We made several request to Navient to lower the payment to something management that my step son could afford to pay each month with undue hardship. Navient took income statements from both of us on more than one occassion and then declined to lower the payment again. My step son and his father stopped making payments which forced me to liquidated assets and take on a part time job to keep up with the high monthly payment. My step sons mother and I made sure the payments were made on time each month for 2 consecutive years as required to release a cosigner. My step son submitted a request to lower the payment and have me released as the cosigner again and that request was denied again. I lost my part time job and could no longer afford the monthly payment. Navient refused to work with me to make an affordable monthly payment arrangement I fell behind and XXXX of the XXXX loans is now in default. As the cosigner I was investested in ensuring the loans were paid on time each month to protect my credit. Navient demanded an unaffordable loan payment each month, I advised them of my financial situation yet they were unwilling to work with me on any level. They began calling me daily sometimes up to 7 times a day demanding payment and threading to sue me. Navient used deceptive practices by denying us an income based repayment plan. Now XXXX of the loans is in default the other is on its way and my credit is ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In early 2012 we went through difficult financial situation and were left with XXXX income for almost 12 months. Our first priority was to keep our m mortgage paid and to keep our house during those hard times. We have been in the house for 10 years and and we have our XXXX mortgage with Wells Fargo Home Mortgage. First thing we did was to turn to our mortgage company looking for assistance and modification of our loan by lowering our rate which was 5.65 %, higher that rates in the country so we can lower our monthly payments of {$2800.00}. 
On XXXX XXXX 2012 we received a letter explaining modification process and documents needed. I also received a phone call from XXXX XXXX, Home Preservation Specialist with Wells Fargo. 
She was assigned to our case. At that time our mortgage was current - as I stated above, we have been trying to pay mortgage first and keep our house. First advise I received was that we can not qualify for modification as long as our mortgage is current. We have to be behind in order to start the process. So we, believing in good intentions of our mortgage company for 10 plus years, stopped payments. They also assured as that the process will take up to 30 days, so we will be only one or two payments behind. 
This is completely misleading and fraudulent advise!!! 
The process stretched out for 6 months, Wells Fargo claimed that they did not receive necessary documents which I was resending and resending by Fax and in XXXX XXXX, 2012 we received a letter from XXXX XXXX, that she can not help us any longer and they will start collection process. At that point, we are significantly behind our mortgage, they start talking about foreclosure so we are in panic notion. 
Meanwhile, they reported us to all credit agency, out credit become completely ruin and being in hardship it was impossible to make up all late payments. 
We continued talking to Wells Fargo, now with a manager, named XXXX XXXX, which advised to re-start modification process again. 
Left without any options, we did so and start making catches up payments toward the mortgage. It took them another 6 months to come up with agreement which denies our request because even with one income, we still can afford to pay. 
So after a year, we ended up with monthly payment of of {$3800.00} instead of {$2800.00}, same high interest rate, ruined credit history, so they make sure we are not able to qualify for any refinancing with anybody. 
I did complained to XXXX 's office of Wells Fargo, but nothing come out of that. 
So we are now in forth year of bearing consequences of bad credit, not being able to obtain any loans, credit cards, refinancing etc. 
We believe that Wells Fargo defrauded us whether this was done intentionally or out of incompetence and we are looking for compensation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
In 2006, I refinanced my home and was sold an illegal loan in the State of Illinois ( Pick-a-Pay Loan ) with World Savings. Now owned by Wells Fargo Bank. I have already made a complaint with CFPB. Please see previous complaint # XXXX and XXXX. I am putting through a second complaint because the answer from XXXX XXXX at Wells Fargo is insufficient. Firstly, he did not look into any of the issues. He must advise me why there are XXXX applications with different incomes which were both incorrect. I can prove it by supplying proof from the IRS that I was not making that much money. Secondly, I had given him a letter from XXXX XXXX insurance and he did not even research the type of insurance that was purchased. He stated in his response that it was title insurance. The insurance policy taken was in case I defaulted on my loan. They changed my income on the application after I signed it. They then took out an insurance policy with XXXX XXXX in anticipation of my default so when the minimum payment of the loan tripled, they could put in a claim. XXXX XXXX letter indicates that there was no claim with the insurance policy. I will attach the letter sent to us by XXXX XXXX. I will also attach XXXX XXXX letter showing that no research was attempted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting 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 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 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 explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2020-12-24
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: Personal information incorrect

Complaint:
Experian has wrong names and addresses on my credit file and are making it difficult to have removed, i contacted them about this in the past and nothing has happened

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 2016-03-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been the victim of identity theft in the past. It was through the office of an insurance broker I used. They informed me an agent had forged my name to cash a check. I thought it was left at the. I recently had to consolidate loans that went into default and was given a full report of my loans. I realized the amount was twice what I expected and there were two years in which loans were taken in my name that I do not recall receiving. They were over XX/XX/XXXX and XX/XX/XXXX. The amount in those two years doubled what I had received prior to those years. Although I was in school at that time, there was no reason for me to take such loans. I need to know where to loans were deposited to. Then I will know for certain what happened.

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 2021-04-21
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i paid this particular accout back in XXXX sometime it was paid in full

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Knight Adjustment Bureau
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Account : XXXX XXXX XXXX account sent to collections after closed and settled. Collection agency : knight adjustment bureau- contacted to inform account resolved with creditor, account was fraudulently added to my credit report with inaccurate dates of account. Fcra protects consumers from inaccurate reporting or mis representing debts. Utah has a statue of limitations, the account was closed XXXX XXXX XXXX and has been reported as XX/XX/XXXX, XX/XX/XXXX, and now shows XX/XX/XXXX. Under the FCRA and XXXX  XXXX XXXX XXXX the law must be followed when reporting a collection and when requested MUST be verified for inaccuracies. I demand this account be removed under the fcra guidelines and knight adj bureau pay damages due to fraudulent reporting against consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mother passed away in XXXX 2015. Wells Fargo immediately contacted me regarding mortgage and what were my intentions regarding her estate. I told them I would like to sell the property. I had to go through probate. While going through probate I got a purchaser for a regular sale. All information I forwarded to WF. I could only talk to what they referred to as 'Reverse Mortgage Specialist '. I started receiving foreclosure notifications. Was told by the specialist to ignore them that I had to just keep the specialist informed of my intentions. They would ask for me to resend information that I had already sent. I finally asked the specialist where was the information I sent last month? I was told that the information was forwarded to another department and they were not aware of what the other department did with it. Every month I sent a letter asking for an extension or postponement and why. I even went to the Consumer Affairs foreclosure agency. They talked to them and sent letters on my behalf. I was at the end of escrow about to close ( all information I sent to WF along with paperwork ) and asked for one postponement so that I could make sure everything closed properly. This was XX/XX/XXXX, home was scheduled for sale on XXXX XXXX. On Friday XXXX XXXX WF sent me a letter thanking me for my patience saying that they were sorry for taking so long to get back to me but, they had denied my short sale due to the appraiser could n't gain access. I had a regular sale and the house had already been appraised. Well, on Monday XXXX XXXX my mothers/family home of 40 years was sold at auction, to the surprise of everyone. it was purchased at auction for just {$1000.00} more than what my sale price was. 
Now, all anyone can say is sorry! I have been served with eviction notices but, am still here. 
I will not give up my family home without a fight. The home sold to a big corporation. I have hired a lawyer to see if sale can be rescinded. I know it 's next to impossible in California but, I will continue the fight. This has got to be stopped. I 'm going to all government agencies, everywhere. I called HUD and was told in reverse mortgages the heir has up until a year to acquire property. I did n't get a year. At the end of 6 months I was given postponements not 90 day extensions. Wells Fargo was wrong and be held accountable for its wrongful acts.

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