BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am writing to dispute a fraudulent debt on my credit in the amount of {$7000.00}. I do not recall this debt. I am requesting that the debt is removed off my credit report with the XXXX bureaus Experian, XXXX and XXXX and any finance and other charges related to the fraudulent, as well. 

I have previously sent you a request to validate our debt under Texas XXXX XXXX and all I received was an itemized list of the alleged charges you claim I owe you, which I do not. I did not receive a lease agreement showing my signature nor the required information by Texas XXXX. This does not meet the Texas XXXX XXXX guidelines of what constitutes proper debt validation and must be deleted. Please remove off credit reports for XXXX, Experian, and XXXX. I am attaching a copy of the original DV letter with the Texas Code on it and will be contacting the Texas XXXX office on your non-compliance and XXXX. I have listed below how you are not meeting the Texas XXXX XXXX. 

Please note XXXX Experian, and XXXX are bonded in the state of Texas and are required to comply with Texas XXXX XXXX. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas XXXX XXXX XXXX XXXX that the debt in question is inaccurate. 

If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX Experian XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : *Violation of the Fair Credit Reporting Act *Violation of the Fair Debt Collection Practices Act *Defamation of Character XXXX XXXX is sending invalid information on behalf of the XXXX and this is completely fraudulent and not owed by me. Remove this from my credit, you have been reporting this fraudulent debt for 6 years. 

XXXX has stated they have no record of my information, yet they are reporting on my credit report. This needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
To Whom it may concern : I am writing to inquire why my credit report continues to be downgraded when I pay my bills on time and in full. I was made aware of my latest credit score when I recently went to XXXX XXXX in XXXX XXXX to lease a new car. The deal I negotiated was for {$330.00} per month on a 36 month lease with {$2000.00} as the down payment. However, the dealer came back and said they could not get this deal approved due to my mediocre credit score. This was to my surprise as I recently pulled my credit from XXXX XXXX on XXXX XXXX and my credit report was as follows : XXXX XXXX Experian XXXX XXXX XXXX Consequently, I called XXXX and they disclosed that there are XXXX different credit reports. My understanding is the XXXX credit agencies issue different credit reports for car dealers and financial institutions. I really need to understand how there can be a discrepancy from XXXX report to the other. I do n't believe this is in the best interest of consumers. Is there any way your agency can help in correcting my credit score so it is reflected in the most optimal way? 

I thank you in advance for your assistance and do appreciate your attention to this matter.

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 2016-11-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
The Wells Fargo website ( https : //www.wellsfargo.com/mortgage/tools/faqs ) indicates that in order to lock an interest rate on a mortgage application the following is needed : " You can lock anytime you locate a property, or start your refinancing process, up until ten business days before the closing. 
You can select a specific length of time for your lock, usually 60 days. '' I emailed my processor on XXXX/XXXX/2016 ( Thursday ) and expressed interest in locking my rate since I already located the property I wanted to purchase. ( My processor had told both my husband and I that he can be reached by phone or email. ) I got a response from him on XXXX/XXXX/2016 ( Monday ) that I would need to provide the purchase agreement and sign the Intent to Proceed notice in order to be able to lock my rate. The reason I feel this is not fair is because had I known that those two pieces of information were required from me I would 've had that sent over on Thursday ( XXXX/XXXX/2016 ). I think it 's wrong to have two different conflicting pieces of information communicated to me as a customer. If Wells Fargo truly requires the purchase agreement and the Intent to Proceed disclosure in order to lock a rate then that needs to be explicit on the Wells Fargo FAQ page instead of the " anytime you locate a property '' response that is currently on there. This is deceptive to have this type of language out there. The website response is costing me thousands of dollars on my loan because I was at a 3.5 % when I emailed my processor and by the time I got a response the rates had spiked to 4.1 %. I feel that due to Wells Fargo 's negligence I am owed the 3.5 % interest rate on my mortgage loan since the information I had read on the website was not accurate. Also, if this happened to me, it can happen to many other customers so I think they should fix this or have the process updated to truly be when a property is located.

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 2016-10-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My identity was recently stolen. The fraudsters have used my social etc. to apply for a number of different credit accounts with stores, such as XXXX, XXXX, XXXX, XXXX XXXX, etc.

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 2015-04-08
Company: WELLS FARGO & COMPANY
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Received an auto loan through Wells Fargo Financial for a XXXX Chevrolet Impala. Loan was paid on time up until and accident I had in XXXX XXXX that cause me to XXXX. I was out of work for XXXX months which caused my payments to get behind. I did my best trying to manage the payments but maintain a poor history afterwards. even though payments were late, I managed to pay out the loan in full in XXXX and XXXX years later it still shows negative on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: PHH Mortgage Services Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had a mortgage with PHH mortgage for a little over a year. Yesterday ( XXXX XXXX ) I received a call from the PHH stating that I had not paid my XXXX payment. As a result I had late fees and potential reporting against my credit bureau record. I insisted that I had paid my XXXX payment in XXXX and asked them to please verify. They did find my payment was received on XXXX XXXX ( 12 days before it was due ) and that it has been misapplied. I have spoken with their customer service and with their collection department and neither has taken the late fee off my account or removed the " overdue '' status from my account. PHH mortgage is not taking the appropriate steps to resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX Dispute Department XXXX XXXX XXXX XXXX XXXX, TX XXXX To whom it may concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also enclosed copies of the Federal Trade commission identity Theft Affidavit. Please Delete the items as soon as possible. Based on, 15 U.S. Code 1681c-2 a consumer rep
orting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of Receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items as soon as possible. 



Fraudulent Accounts BK Of AMER XX/XX/XXXX2022 Amount : XXXX Account Number : XXXX Fraudulent inquires XXXX XXXXXXXX XX/XX/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 2016-05-23
Company: ACS Education Services
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Confirmed IBR application and amount to be deducted for XXXX loans prior to XXXX 2016 payment due dates. Despite IBR approval, ACS deducted the full regular amount for XXXX loan -- being almost {$400.00} more than authorized. ( Deducted {$540.00} despite IBR payment owed {$160.00} ) I called and was told it would take XXXX days to issue a refund. I complained and they said they would expedite the refund. The payment was automatically withdrawn from my bank account on XXXX XXXX. I was told they would expedite the refund on XXXX XXXX and mail -- not refund directly to bank as I requested -- a check, but it 's now XXXX XXXX and I still have not received my refund. They adjusted the payment records on my account, but the money has n't been refunded. They 're charging me interest on that loan but keeping my money. 
Also, they incorrectly reflected my IBR payment for that loan. Now my account has the incorrect amount listed as the IBR amount owed. It shows both accounts being the same payment, when the corrected amount authorized by IBR was a few dollars higher. I do n't want to get a bill at the end of the year for the overage due to their mistake, again. 
{$400.00} could mean rent, car payment, food, etc. They are keeping my money -- interest free -- for over a month despite admitting they took too much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
To Whom it may concern, This correspondence is in response to the complaint XXXX XXXX XXXX XXXX ( XXXX ) received from your office on XX/XX/2022 on behalf of XXXX XXXX in which XXXX XXXX XXXX alleges he is a victim of identity theft. 

We're pleased to provide the additional information your office requested please view attached documents. 

XXXX XXXX XXXX sent documents XXXX requested to verify XXXX XXXX XXXX identity such as ( state identification, billing document, social security number, and final FTC affidavit

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 2016-11-03
Company: Integrated Recovery Services
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Let me start by stating that I DO NOT OWE THIS COMPANY A DIME. THEY ARE CONTACTING ME TO FIND MY XXXX year old Married Son. 
I was contacted by a man who identified himself as XXXX XXXX. He stated that my son was in a lot of trouble. He then went on to say that there was a Summary Judgement filed against my son. I interrupted him saying that my son was an adult and I do n't owe his company or the company he is representing any money. He got angry and said he did n't know that the company my son works for was in the business of " hiring snakes '' and if I was n't such a " bad mother '' then I would know where my son is and I was a " crazy person. '' I hung up and he called back. I handed my husband the phone. When asked to identify himself he ( XXXX ) stated, " This sounds like an episode of XXXX XXXX '' ( A blatant and obvious derogatory statement regarding our racial identity. ) My husband asked him what company he represents and he just began yelling out my social security number ( the phone was on speaker. ) We hung up at this point. 
Several minutes later our XXXX daughter called from school stating that she received a call from XXXX XXXX and he stated, '' Are you going to talk to me or are you a mean person like your mom. '' She was confused so she hung up and called us immediately. 
I got a message five minutes later from XXXX XXXX in which he stated that he intended to take me and my minor daughter to court regarding my son 's alleged debt. 
Let me reiterate that this man/company is attempting to reach my XXXX year old adult married son.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am filing with XXXX XXXX XXXX at the same time I am filing with you : This communique is to address my concerns over you reporting me to the credit burrow with late payment and adversely affecting my credit and ability to refinance my loan. This is simply not true, I have paid you the same amount for over 6 years, every month, always on time. This is easy to see in the attacked payment history that covers the entire time that your representatives would send me. I do have ALL of my payments and bills that I can produce if necessary, though my time doing that would be billable. 
XX/XX/XXXX, I inquired with XXXX XXXX XXXX ( XXXX ) to see if I qualified for a restructuring of my load to reduce my interest rates and payments. I was very vocal that I did not want anything with my existing loan to change without my permission. It appears that you did not pay any attention to me and sometime XX/XX/XXXX, without my permission you decided to start requiring escrow from me, which I have never paid. I make all my insurance and tax payments myself. It should be noted that they have always been paid on time and in full. 
XX/XX/XXXX, XXXX sent me a restructured loan packet with a HIGHER interest rate and higher payments. This was unacceptable and I declined it, instructing you NOT to change my existing loan again. I have to instruct you verbally and in writing numerous times before you stopped pestering me about it. However, as noted above, not only did you add escrow to my account, but you did not notify me. You then began sending me notices that my payments were not sufficient and all my payments were going into suspense. I made numerous calls and wrote numerous letters trying to straighten this out. XXXX was very uncooperative and rude on many occasions, refusing to transfer me to managers when I requested. I sent written notice to stop collecting esc row and not to make any payments. However, you still made a payment to my insurance company, even though I was paying them monthly. I had to take my own time to recoup this mistaken payment that you made and returned it to you in an effort to straighten out the escrow issue. All of this should be in your records. 
The above is a brief summary of what has transpired and attached are records of my payments, on time and for the full principle and interest. I want you to do the following : I want remove the " Late Payment '' on my credit history and with all credit reporting institution post haste. This would be the " account 30 days past due on XX/XX/XXXX. I made the same payments as always and the escrow was in dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I would like to file a complaint about Experian. I am so upset, and am hoping you can help me. Experian still will not let me dispute my credit report information online, even though they encouraged me to go to : XXXX. I also was unable to get help over the phone. There are so many incorrect items on my Experian report, I hardly know where to begin. 

The incorrect items include : an incorrect spelling of my name, a p.o. box in XXXX. that I never opened, several credit card accounts that I never applied for, XXXX incorrect phone numbers, and a statement that my current apartment address in XXXX is a business related to automobile service! 

As stated previously, I am the victim of major identity theft. I filed fraud alerts and security freezes with all of the credit reporting bureaus on XX/XX/2015 and XX/XX/2015. Yet, my latest Experian credit report, received today and dated XX/XX/2015, lists a " XX/XX/2015 '' application for a company called " XXXX, XXXX '', in XXXX, XXXX. I never applied for such a loan. I thought that a security freeze and fraud alert would prevent someone else from using my identity or accessing my Experian report. 

I called " XXXX, XXXX '' today, at both XXXX. PDT and XXXX. PDT -- although sympathetic to my situation, the company told me I had to dispute the fraudulent item directly with Experian. 

I realize I can dispute items in my report by mail to Experian in XXXX, XXXX. However, it would be much faster to file the dispute online. 

At this time, I am taking care of my mom, who has XXXX XXXX. I really can not take too much more XXXX. 

Any further assistance from the CFPB would be greatly appreciated. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-24
Company: WELLS FARGO & COMPANY
State: AR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo refuses to accept responsibility for 1. Not accepting verification for utility service at the home. I provided a utility bill with the service address noted. The utility bill was mailed to my XXXX. The XXXX has been my mailing address for years as is documented in my account records with Wells Fargo. If the funder/investor guidelines require otherwise. It was Wells Fargo 's responsibility to intervene given that the facts relating to the matter are well documented in my file for years. An extension should have been granted. 2 ) On the day of the sale I provided documentation to reinstate the loan. This documentation was used to prevent or postpone the sale 30 days prior while attempts to modify the loan were being made. Wells Fargo withheld information to the investor relative to my XXXX history. They are liable.

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 2015-07-22
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I obtain services from XXXX a while I cancel the service because the services was not what I thought it would be. So I contact the company and the request me return the equipment becuase this equipment was self install by and they did offer installation. So we I was remove the equipment such censor and things I sent them the wrong item. So contact me and informed via mail and phone that I submitted the wrong equipment. So I final figure out the right equipment and return it to XXXX. On Friday, XXXX XXXX, 2015 I contact XXXX to confirm the receipt of there equipment. I spoke with XXXX who inform me that they receive the equipment and had process a refund. I ask the what account number or card number the credit was apply to because I made severall change far has banking and they might trace or put stop payment on the refund. So I aslo provide the credit card number and XXXX to apply the payment to my current card. On Monday, XXXX XXXX, 2015 I received a call from XXXX stating that I will not be receiving my refund becuase it has been apply to close bank account or credit card. Please explain how can a credit be apply to closed bank account and credit card. Then later I was contact be XXXX trying to explain the situation that did not make any sense to me. How can refunds be apply to close bank account and bank card. Please review the Banking ( charges ) for XXXX and the account they said was refunding the money to I do not have the card order information anymore.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-28
Company: DISCOVER BANK
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Discover took over student loans and last month, switched my repayment options, without warning, to lower repayment speed. 

This is my chat with them : XXXX at XXXX, XX/XX/XXXX : XX/XX/1983 XXXX at XXXX, XX/XX/XXXX : Thank you for verifying that information with me today. I do show the amount you were paying monthly has been lowered. Recently we went transferred to a new servicing system. 
XXXX at XXXX, XX/XX/XXXX : how can that be? a bank can not simply re-do my payments I've schedule XXXX at XXXX, XX/XX/XXXX : *scheduled XXXX XXXX XXXX, XX/XX/XXXX : Since the transfer the system has been reviewing accounts, and saw that your account would be paid off sooner than the agreed upon term, so it lowered down. 
XXXX at XXXX, XX/XX/XXXX : iwthout asking? 
XXXX at XXXX, XX/XX/XXXX : and what is the agreed-upon term? 
XXXX at XXXX, XX/XX/XXXX : It was an auto adjust not a planned adjustment and we apologize for any inconvenience that this may cause. We do not have any prepayment penalties for our loans. 

Allow me a few moments to review each of your loan terms.

Company response to consumer: Closed with explanation