BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: IL
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 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 XXXX has me at a score around XXXX. 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now

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 2016-05-13
Company: Integrated Recovery Services
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received a call from Integrated Recovery Services about a pay day loan that they were trying to collect on. XXXX XXXX and XXXX XXXX both called me on my work phone and told me that if I did not pay I would be arrested this Friday, and this would be a felony. I tried to make a payment arrangement but they started to make fun of me and continued to say I would be arrested. I am filing a complaint and and willl also be contacting the Texas Attorney General in reference to this matter since it is a violation of State and Federal law. I am also requesting that this company no longer contact me because of their deceptive trade practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Copy if most recent email to AES : I submitted my income verification via email to XXXX on the following dates and screenshots are attached. This should have been processed back in XX/XX/XXXX and it needs to be resolved with THOSE forms as I did exactly as I was asked to do. Covid also affected my income. I can afford to pay $ XXXXmonth. If that can be set up, I can start paying immediately. 

XX/XX/XXXX Received email for {$20.00} payment I made. 
XX/XX/XXXX Requested XXXX  info. 
XX/XX/XXXX Received email with case #. 
XX/XX/XXXX Received email for {$20.00} payment I made. 
XX/XX/XXXX Received email for my XXXX requestto be mailed to me. 
XX/XX/XXXX Received email stating re-certificationof XXXX not received. Emailed AES stating the IRS site would not work for me to submit my income tax return. 
XXXX Signed & emailed the XXXX  with income documentation forms. 
XX/XX/XXXX XXXX attached letter that was mailed with my forms. 
XX/XX/XXXX Emailed AES again with XXXX & income documentation forms. 
XX/XX/XXXX Email received saying XXXX forms not submitted. Replied that I already emailed my papers. 
XX/XX/XXXX Emailed AES XXXX  forms. 
XX/XX/XXXX Received email stating forms not received. Replied that I sent them 2 previous times. 
XX/XX/XXXX Emailed AES XXXX  forms & income documentation forms. 
XX/XX/XXXX Received email that forms were not received. Emailed AES that I sent the required forms AGAIN. 
XX/XX/XXXX Received email stating forms not received. Emailed AES XXXX  forms again. 
XX/XX/XXXX Received email stating form not received. Emailed AES with XXXX forms again @ XXXX. Received email back at XXXX stating formsnot received. 
XX/XX/XXXX Re-mailed XXXX  forms. 
XX/XX/XXXX Received email stating XXXX forms were received in mail but did not include income documentation. I replied that my income was included with my multiple previous emails ( see above ). 
XX/XX/XXXX Emailed AES again with XXXX forms, asking to reference previous emails with income documentation because I do not own a printer. 
XX/XX/XXXX Spoke with XXXX at XXXX - XXXX. He would submit a Natural Disaster extension for 3 months. Asked me tore-email forms. 
XX/XX/XXXX Emailed AES with attached forms again. Submitted IDRA application. 
XX/XX/XXXX Emailed AES again with all of this information. 

I have spent countless hours on email and phone trying to get this resolved since XX/XX/XXXX. I have done my part, over and over, trying to set up a payment plan. 
AES has continually said my income documentation nor XXXX were received, but ALL OF THEM were sent to XXXX and I have received replies to all the emails I sent there, except of course, the ones where I CLEARLY attached the required information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Delta Management Associates, Inc.
State: NC
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:
There are XXXX XXXX XXXX accounts showing on my report, when I reached out to XXXX XXXX to understand this, I received info back from XXXX XXXX XXXX. I pulled an updated credit report and found that the XXXX XXXX Accounts were not reporting as disputed as required by law.FCRA section 623 states that a Creditor must report an account as disputed to the XXXX Credit agencies. The FDCPA 807 ( b ) states that a debt collector must report an account as disputed when it receives the notice. The account has not notations of being disputed by the cinsumer

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Loan # XXXX XXXX XXXXProperty Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.XXXXWells Fargo Home Mortgage in the past has sent me some Pick A Pay Loan Disclosures that change depending who at Wells Fargo Home Mortgage is working that day. Now I dont know which document is real and which one is fake or our both documents fake. Doing this to home owners is called robo signing.Wells Fargo Home Mortgage will not give me a update on the status of my Loan modification application. 
I feel not addressing my loan concerns is also a form of discrimintation why? 
Wells Fargo Home Mortgage has fabricated loan disclosures and now they are not sure which fabricated document to send in this complaint. 


I have made XXXX request to Wells Fargo Home Mortgage requesting copies of all original mortgage statements from the start of this loan because I do not have all copies of all my mortgage statements from the start of this loan. I need all copies of my original mortgage statements with the front and back copies disclosing all required disclosures in order to validate the debt and loan servings concerns. In a typed response Please do not skip this question. 


Are there in Corp Advance fees, Inspection fees, court fees legal fees, for this loan? If so on what dates? 

What is the status of my Loan Modification Application? 

Will you tell me what my loan option are? 

Who will be my single point of contact for my loan Modification? 

Please submit Name and address and phone of trustee/Investor for this loan for lending disclosures including fraud concerns. 

On what date did you receive my Loan Modification Application? 

Was my Loan Modification Application Approved or Rejected? 
Are their any Corp Advances fees on this account if yes please list amount and dates? 
I have not spoken to a Single Point of Contact will you assign me a new Single Point of Contact? 
Who is the trustee or investor for this loan? 
Please send me your Mortgage service agreement?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I haven't been able to use my credit card during the Covid-19 pandemic. I found out today that Citi bank closed my account with no notice for non-use. I called and was told I had been informed but I never received the letter they claim they sent. My intent was to use the card for specific purchases made outside the home but since I've only been social distancing at home and the locations I want to use the card at are closed for the pandemic I haven't had an opportunity to use the card. Also, since Citi closed my account all my rewards points I had accumulated are gone. Citi says there's nothing they can do ... but they caused this to begin with.

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 2020-03-16
Company: Bread Financial Holdings, 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: Account status incorrect

Complaint:
I reached out to this company over a month ago asking them to send me the information where I requested this account to be open and I always asked them to send me some paper work so I can dispute it and they haven't done so. But they continue to report the account to the credit bureaus but haven't sent me documentation with me agreeing to the open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Equifax has me living at XXXX different XXXX, PA address. I have NEVER lived in XXXX, PA. So whatever collection is associated with this address should be taken off. 
Equifax XXXX reported an account from XXXX thru XXXX XXXX dated XXXX XXXX, XXXX in the amount of XXXX. I have n't had a XXXX account since XXXX. 
XXXX reported XXXX Insurance dated XXXX XXXX, XXXX in the amount of XXXX. I dropped XXXX Insurance in the year XXXX. In fact last year I received a XXXX refund thruPA Unclaimed Property. The XXXX XXXX XXXX XXXX for XXXX was paid this week. 
I tried calling Equilfax but was unable to connect because I did n't have a equilfax report number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was searching the internet for a student loan. The Citizen 's Bank website offered the option to apply for a loan as a soft inquiry on my credit. The inquiry appeared on my credit report as a hard inquiry. I did not authorize this transaction. The site has misinformed information and falsely advertised services they did not provide. I contacted the bank and I was informed they will notify a manager about the soft inquiry false advertisement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Adler Wallach & Associates, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received notice from this company money was due or that I could dispute this and they listed two on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
This company never responded to a Letter of Demand in regards to a Class Action Settlement against Santander Consumer USA Inc. They are trying to repossess my car during a pandemic and when they have agreed to forgive consumers loans and present them with the title for giving us predatory subprime auto loans. I have filed complaints with multiple agencies and they have not responded to me. When they finally did respond in my last complaint they outright lied that they never received my letter of demand and it has been over 2 months since I sent that. There response is that they can not tell me my " internal customer number '' which is how they determined my interest rate that is insurmountable for an ordinary person with ordinary wages. They never verified my income and gave me an outlandish interest rate that has put me in default 3 different times over the last 2 years I have been in the loan. This class action lawsuit that they settled out of court for {$550.00} XXXX was suppose to remedy this ridiculous and predatory loan. They were expecting me to default because the amount has left me unable to eat, pay rent, or other necessities. On top of this they have negatively reported on my credit many times this year ( during a worldwide pandemic ). I am 99 % certain I am eligible for the settlement remedy which includes forgiving the remainder of my loan, relinquishing the title to the car, and removal of negative credit ratings from the company as they have done multiple times in one month ( I will add documents for proof of my claims ). Thats the difference between me and this company, I have the burden of proof that they have taken advantage of me as a consumer and they need to do what is right as I am intending to sue them for damages if they repossess this car that is not theirs anymore according to the settlement agreement. I don't believe that you all closed my case without them presenting any proof of their claims whereas I have provided proof and my comprehensive explanation. They are a scam company that takes advantage of consumers and then wants to take away their cars whenever they can't pay because they created an impossible interest rate and ridiculous terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After I wrote to the CFPB, I heard from Wells Fargo Representative a XXXX XXXX. I do not recall her last name at this point. She was not very pleasant and insisted that this is the first time Wells Fargo has ever done anything like this as far as ceasing the foreclosure on a home so late in the process. She also explain the foreclosure not has been called off and there is no foreclosure date at this point. 
I have submitted all paperwork for a short-sale to my realtor XXXX XXXX of XXXX XXXX. They have since submitted as of Friday XXXX XXXX, 2016 to Wells Fargo Home Mortgage. XXXX XXXX has a buyer for my home which that person qualifies and have submitted that paperwork as well. All the hard work or leg work has been done. My fear is that Wells Fargo will turn down the short-sale like they have done previously before, CFPB became involved at which I qualified for. 
They did not hear any request even when I told them I had a buyer. Wells Fargo Home Mortgage just ignored my request. They set a foreclosure date until CFPB became involved. Now the foreclosure date is removed. 
I am disable and a veteran. I have no income to relocate. I am still awaiting on the Appeals from both my VA and Social Security XXXX. This short-sale and the relocation monies, it will greatly improving my chances of not being homeless, restore my credit, and XXXX day buy another home. If not given this opportunity my credit will be in shambles and very hard for me to start over. 
As I have stated above, it was unlikely for Wells Fargo to hear anything I said and they did not want to help me but pretended they would help. I am a first time homeowner, and I know nothing about buying a house or the litigations of what banks can do to homeowners or the power they have of not helping the homeowners, but pretend they are helping by sending letters saying they are here to help ; but when you call them they become very evasive and speak in terms that no ordinary person would understand, only a person who has a XXXX XXXX could comprehend. I feel helpless and fearful that I will be homeless very soon. Please 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 explanation
Consumer complaint received 2020-12-27
Company: Google Compare Credit Cards Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX advertised an offer where both the referral and the referrer were to get {$21.00} for a new referral. I made a refrrral to XXXX and this was made during the time the offer was active. XXXX delayed the payment from the referral qualifying for the referral and then have just {$7.00} instead of {$21.00} promised for the referral. In addition the company provides no way to contact them regarding this offer providing dead end links that go nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: Retail Merchants Associates
State: LA
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 have several delinquent accounts being reported on my credit report. I have full medical coverage, I don't even recall going to the doctor as much. I notified Medicare, Medicaid, and AETNA, all 3 insurers told me that no bills were ever submitted. I never received any bills either. If I were my insurance company would have paid them in full. If you look at one agency they removed a dispute I filled out, but left the rest. I want all negative accounts removed immediately. They can contact my insurance company as I did, and find out that I owe nothing. Godspeed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: RoundPoint Mortgage Servicing LLC
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 have found myself in the midst on an identity theft issue that has effected a credit report. a couple accounts were opened and inquiries added, although i know i have not applied or tried to open any new accounts XXXX XXXX XXXX  on XX/XX/XXXX with an XXXX balance is not an account i authorized. ROUNDPOINT MTG opened on 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 explanation
Consumer complaint received 2017-01-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX XXXX Wells Fargo Complaint For the second time in XXXX years I 've had to file a complaint against this company. In XX/XX/XXXX I contacted them about a HARP. But, it took until XX/XX/XXXX to respond. After I filed a complaint. 
Recently, I had to defend my home from Foreclosure sale after I found out XXXX day before the sale date from a complete stranger who came to my door. I never received official notice from Wells Fargo of a date of sake vid so, I could have cone up with a plan in advance. 
I spoke with several representatives who could not explain why I did not get official notice. Nor could they explain why I did not receive a XXXX payout back On XX/XX/XXXX as I requested over the phone with a XXXX. 
When the payout was received it was post marked XX/XX/XXXX with the letter dated XXXX XXXX. The problem is that the letter only gave me until XX/XX/XXXX to pay off the loan, less than 30 days from XX/XX/XXXX and less than XXXX weeks after I received the letter if Payout. 
I previously requested information back in XX/XX/XXXX, but never received it until after talking with the XXXX in XXXX who could n't find my emails That I sent on their XXXX. As with the HARP request, they acted if they could n't find the emails. The XXXX even asked me to send him the emails. 
Finally, I was in schlock to find out from a stranger the day before that my home was to be sold the next day ( XX/XX/XXXX ). I never received a Notice of sale date. Not XXXX if the customer service reps could even tell me why not. A XXXX XXXX even told me they 're not required to sendbmevnotice, and that the XXXX of Texas had that responsibility. 
The company has been notified that I 'm am XXXX and have filed for 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 2020-12-27
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I sent Experian 4 letters to investigate inquiries on my credit report. They did not contact me after 30 days and I sent letters after this and still they did not investigate. They need to delete these inquiries as they are ignoring this matter and have failed to reply to investigate this. I am attaching the certified letters sent to Experian. My next step will be to sue them. These are the inquiries : 1. US SM BUS ADMIN ODA XX/XX/2020 2. XXXX XXXX XXXX  XXXX. XX/XX/2020 3. US SM BUS ADMIN ODA XX/XX/2020 4. XXXX XXXX XX/XX/2020 5. XXXX XX/XX/2020 6. XXXX XXXX XXXX XX/XX/2020 7. XXXX XXXX XX/XX/2020

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