BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-15
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card
Issue: Advertising and marketing

Complaint:
This is the second month I 've called WF to discontinue a monthly email for their new Go Far rewards program. There is no option to unsubscribe on the email, I then called the customer service number provided on the email, that customer service could not help me opt out so I was then transferred to Premier help line, they could n't help me then I sent to online banking help line, they could not help me so then they sent me to credit card customer service and then the line disconnected, I then call the credit card customer service directly and had to wait 9 minutes to talk to someone. I finally reached a credit card representative, they too could not help me, I was then transferred to the rewards customer service line. They too could not help me, I was told I could n't opt out receiving this news letter only, my only option is to discontinue receiving all email communications from the bank which is ridiculous because I hold my checking, savings, mortgage, HELOC, XXXX account too. Finally, I was required to re-authenticate every time I was transferred so I had to authenticate myself a total of five times. I thought by law that the email has to provide a way to unsubscribe from communications I do n't want to receive. I went through this exact horrible experience last month, I called on XXXX XXXX and was promised from the last person I spoke to that I would be opted-out.

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 2017-01-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian provided wrong information on my credit report yet again. I never had any collections and/or late payments on any of my accounts. According to most recent Experian report that was provided by a credit reporting company after last dispute with XXXX was initiated I have late payments on the accounts with XXXX and Child support enforcement. I do n't have and never had any late payments on any of my accounts, nor have the knowledge of them. 
I respectfully request your assistance in removing incorrect information from my account and updating my credit score.

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 2022-07-11
Company: EQUIFAX, 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 am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Those debts are not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I wrote a letter to Experian, XXXX, and XXXX about the unlawful use of my public records. According to laws 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 : states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692C states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with the collection of any debt. Please make necessary deletion and corrections to my credit report made under FCRA 609 ( a ) regarding an erroneous item on my credit report involving wrong names and social security numbers. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. I am certain that the items I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. Please see attachments of verification of my identity, deleted and closed accounts. Experian, XXXX and XXXX has same account number but different name please remove these accounts.

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 2017-07-29
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Trying to open an account on the application on my mobile phone XXXX XXXX, but supposedly Huntington bank is not partnered with XXXX XXXX and it wo n't let me complete the set up. However, it has been complicated because XXXX XXXX was able to put a trial deposit of XXXX cents and XXXX cents into my checking account successfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: KEYCORP
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
This is the 5th time this has happened. 
About once or twice a year for the past several years, Key Bank, with whom I have a home equity line of credit ( HELOC ) fails to send me a monthly statement. It just never arrives. Twice, I noticed before my payment was due. I called Key Bank and asked them to send me a statement ( after making sure no one else was charging anything on my HELOC ) and I made the payment over the phone or at a nearby branch. 2 other times, I did n't notice and did n't pay the bill until Key Bank notified me that my payment was late ( at which point I IMMEDIATELY paid and they waived their late fee ). Until today. Today, a woman named XXXX at the XXXX XXXX, WA branch called to inform me they would not waive the late fee. When I asked why ( since I was not tardy ... ..I 'd never received the bill! ), she rudely stated that they would n't and there was no point in discussing it further. I pay my bills on time. The only occasion in several years of having this HELOC that I did not was when Key Bank failed to send me a bill / statement. It seems inappropriate to charge me a late fee when they never sent the bill to begin with. Because this has happened on several occasions to me, I imagine it is happening to hundreds or thousands of others as well. Key Bank is likely raking in a fortune in late fee 's that they 've had a hand in creating. I would like the CFPB to investigate this further, and find out if this is a pattern designed to profit on consumers in an unethical manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Avant Holding Company, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I called them, They say it was some internal issue with their system that is not my problem they have violated the terms of service in my opinion if I cant used the card then what the point I have had multiple fail transactions this month with embarrassment in front of coworker, family and friends it's not fair I pay on time each month why cant they

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Rocket Mortgage, LLC
State: MS
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
In 2016 quicken loans under one reverse mortage made me take this mortage so they could make money. I was not in my right mind at the time due to other issues bothering me. They too complete advance of me. There so-called counseling phone call was rediculious. Then they scammed me to charge me for lots of fees tobepaid from the small amount of money I received. Such as termite inspection and treatment, appraisal fees and insurance and more so I only got XXXX dollars for a pd for 4br 2 bath home on a large lot fully landccaped. I feel totally injured. This has ruined my life and now my XXXX  sons will suffer as well as I have nothing to leave them. I've workmen most 2 jobs since 14 years old. My house was pd in full because that was my largest dream. I pd it in 20 yrs, only to have this company steal it from me. I have tried to offer them way less money but they will not even consider that. Now the house need a so much work than it is not work doing even if I could. I'm XXXX soon and this is so gut wrenching for me and my kids. I know you can't or won't do anything about it. All govt. Is doing is throwing money away to parents who are vacationing on their child tax credit money. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Kikoff Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
can not access the portal to make payment. i asked this account be closed 2 months ago, no response from company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see the Verifiable Proof you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

1. The status is incorrect for the following account XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

2. This account has been settled and paid. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The status is incorrect for the following account XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

5. XXXX XXXX Account Number : XXXX This is my SECOND ATTEMPT to remove inaccurate late payment remarks from my report. Please stop your stall tactics and comply with my request for removal of the inaccurate information as it is a BLATANT VIOLATION of my rights as a consumer under federal law. XXXX XXXX Account Number : XXXX The following account has been listed as having late payments, pursuant to 15 USC 1666, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Please update the account as I have not been late on any of these payments.

* Please remove all non-account holding inquiries over 30 days old.

* Please add a Promotional Sup
pression to my credit file. 


Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: MA
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 had a financial aid back in 2013 which I thought was financial aid. I have this company called Navient saying I owe XXXX for a loan that was supposed to be financial aid. I have told them I can not repay because I do n't have a living wage so they put me on a forbarance plan so I have 2 months where I dont have to pay but the interest keeps growing! ~~ I feel I am a victim of a scam!!!! I found out on the news that this company has a lawsuit against them!!!! Please can you help me so I am not another victim!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Home Loan Center, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Told them to stop sending emails have not stopped yet. Has been non stop emails since XXXX. XXXX XXXX ( XXXX ) -XXXX-XXXX. This person has numerous cellphone numbers send Lending Tree advertising and text messages about loans. The company did nothing about this in fraud. Please have them STOP. XXXX received another advertising this is constant. This has to Stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
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: Information belongs to someone else

Complaint:
I have sent in several disputes and FTC Reports to XXXX, XXXX AND EXPERIAN. THEY HAVE NOT BEEN COMPLIANT WITH MY SUBMISSIONS. I HAVE BEEN FIGHTING FOR THE LAST YEAR TO REPAIR WHAT SOMEONE HAS DONE TO ME THROUGH IDENTITY THEFT. THE POLICE HAVE SAID THERE IS NOTHING THEY CAN DO. AND HERE I AM FIGHTING BACK AND FORTH WITH THE CREDIT AGENCIES ABOUT SOMETHING I HAVE NO CONTROL OVER. I NEED THESE ITEMS DELETED FROM MY CREDIT FILE. THESE INQUIRIES NEED TO BE REMOVED FROM MY REPORT IMMEDIATELY UNDER THE FCRA. 

I ALSO HAVE A BANKRUPTCY THAT IS REPORTING AND COULD NOT BE VERIFIED THE COURTS DO NOT VERIFY BANKRUPTCIES DUE TO PRIVACY THIS PUBLIC RECORD NEEDS TO BE REMOVED FROM MY REPORT. 

AT THE TIME THESE ACCOUNTS WERE CREATED I WAS INCARCERATED. I AM NOW TRYING TO REBUILD MY LIFE AND I CAN'T DUE TO IDENTITY THEFT. 

Bankruptcy chapter XXXX-discharged XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX   XXXX  XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Jewelers XXXX XXXX   XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX XXXX CO XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX I HAVE NEVER LIVED AT XXXX XXXX XXXX. THE ACCOUNTS BELOW NEED TO BE REMOVED FROM MY REPORT UNDER THE FAIR CREDIT REPORTING ACT. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$5800.00} {$5800.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$740.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2016-05-22
Company: Prosper Marketplace, Inc.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
1. This loan ( from Prosper Company ) was not strictly a mortgage. It was a debt consolidation loan for {$15000.00} and the rate promised me was 15.41 %. They took out 5 % of the loan as some sort of fee which made the loan amount {$14000.00}. At a three year rate of paying {$520.00}. a month I will be paying a total of {$18000.00} which is an interest rate of 24.6 %, ( based on the total loan amount of {$14000.00}. ) not 15.41 % as promised. At that rate I never would have taken the loan. It is the same exorbitant rate the credit card companies were charging. 
2. I would like the {$750.00}. ( origination fee? ) returned to me. And I would like them punished for dishonest business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
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: Information belongs to someone else

Complaint:
I have been a victim of identity theft for several years. I have at least XXXX correspondences from companies that my personal information was compromised from. There have been several accounts, address, phones number and personal statements added to my credit profile. I have tried for the past 18 months, contacting the credit reporting agencies ( experian, XXXX and XXXX ). Some items are being removed, but later reappearing. A lot of the issues still have not be removed. This has been an extremely frustrating situation. As a mother of XXXX, fighting XXXX, surviving 86 days in the XXXX  with XXXX, to have to spend so much time defending my integrity after being a victim. This has become disheartening and disappointing.

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 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I demand the XXXX late marks reporting to my credit reports in error be removed right away. The XXXX late marks from XXXX and XX/XX/XXXX arent valid and are having a large negative impact to my credit scores and my ability to qualify for a new mortgage at the best interest rates. The XXXX mortgage loans XXXX accts : XXXX, and XXXX ) both show late payments for XX/XX/XXXX. XXXX loan acct XXXX was transferred to XXXX  mortgage loan ( acct XXXX ) and shows a XXXX late payment for XX/XX/XXXX. Both the XX/XX/XXXX and XX/XX/XXXX XXXX late marks are completely invalid, and I demand for them to be fully removed from my credit history. I have attached the related, redacted copies of my bank statements showing each on-time payment made from XXXX of XXXX through XXXX of XXXX as evidence neither of my accounts were ever XXXX late, and the reporting is INACCURATE. This servicer was XXXX, they are no longer in business having gone into federally approved bankruptcy in XXXX. Additionally, when I researched the company, I can see they had a class action lawsuit filed against them for misreporting missed payments, so it appears they are damaging a lot of consumers credit reports wrongfully, not just mine. I would appreciate your assistance in investigating this manner right away and getting these late marks removed fully from my reports. As required by the FCRA, all aforementioned information/disputed items that are obvious errors must be deleted from my reports. As stated in the FCRA, or Fair Credit Reporting Act, Section 609 : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 4 ) The dates, original payees, and amounts of any checks upon which is based any adverse characterization of the consumer, included in the file at the time of the disclosure.

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 2020-03-07
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, Sunrise Credit Services , Inc. motioned to collect a debt {$1900.00} on behalf of their client XXXX XXXX utilities. 
They claimed that in XX/XX/XXXX " I made a payment of {$300.00} to XXXX and failed to pay the rest and as result, the debt due is now {$1900.00} As soon as I opened the letter on XX/XX/XXXX my first instinct was to give them a call. 
A woman picked up and immediately proceeded to tell me, " are you ready to make a payment for the amount due? '' 1 : I contented I have never authorized or, made any payment to XXXX ever. 
2 : I have never paid nor, received a utility bill from XXXX ever. 
3 : I do not have an account with XXXX, nor have they ever billed me for anything. 
In brief, XXXX XXXX XXXX XXXX XXXX attempted to collect {$1900.00} with evil tactics and I am scare they might try to hurt my finances.

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 2016-10-19
Company: RoundPoint Mortgage Servicing LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home was damaged by a hail storm on XXXX/XXXX/2016. My insurer XXXX XXXX sent an adjustor and issued a check for {$34000.00}. The check was payable to my wife and me as joint owners and Roundpoint Mortgage Servicing Company who services the mortgage on the property. Round point required we endorse the check and send it to them along with a long list of documents. Having no choice even though we anticipated trouble, we endorsed the check and sent it to them with many documents. The work is now complete and the contractors have been paid. We have sent Roundpoint a copy of the insurance adjustors report, notarized affidavits from both the roofing and the painting contractors affirming the existence of a contract and waiving their rights to liens on the property, XXXX for both contractors, quotes for the work from both contractors, and paid invoices for both contractors. Nonetheless Roundpoint refuses to release the funds. I am sufficiently upset with them that I will pay off the mortgage when this issue is resolved and have asked them to apply the funds in question to my outstanding balance. They have refused to do that as well. The whole problem smacks of a scam to hold the money interest free for as long as they can. Their requirements are completely unreasonable. Anything you can do to get these funds released will be much appreciated. Round point 's address is XXXX. XXXX XXXX, XXXX, NC XXXX. Phone number is XXXX. Thank you for your assistance.

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