BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-08
Company: Experian Information Solutions Inc.
State: NM
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:
Experian is ignoring my requests to investigate, verify and remove an account from my credit report that was opened fraudulently.

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 2017-11-17
Company: Nelnet, Inc.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On or about XX/XX/XXXX, I began requesting an income driven student loan payment plan. On this same day I finished the application and uploaded my XX/XX/XXXX tax return. I received an email from Nelnet stating that I needed to do nothing else and the process can take several weeks to review. I waited for the review to be concluded per the email. 

In XX/XX/XXXX, I received a hit to my credit report for late payment of my student loan and that it was between 90-120 days late. I immediately contacted Nelnet because I did not understand why my loan would be charged as late when I was waiting on them to complete their review. 

A late payment to my student loan account means that I have multiple late payments for the same loan. So I may have 13 late payments which harshly affects my credit. I was able to get the deferment taken care of until the income driven payment plan was finalized. The deferments go back to cover all the dates that there behind. 

I have proof and documentation showing that I had finished the application and was told that it can take up to 3 weeks to get it finished. My taxes were upload proving my income. While I am waiting they just send in the late payment information to the credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: WELLS FARGO & COMPANY
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My interest rate changed in 2015 and I was not informed. My payments were {$.00} short, a whole dime for 6 months. Wells Fargo began calling me stating that my payment was late. They charged me fees of {$28.00} as a late fee. When I checked my account they had pulled my {$240.00} payment on time every month. It took almost an hour of talking to customer service for someone to tell me that because I was {$.00} off for a total of 6 months of payments I was considered late and in default. I explained I was not informed that my interest rate had changed and was told that I should be monitoring my account as they do not send notifications. I was charged {$28.00} dollars and considered delinquent over {$.00}, not even a dollar. Had they informed me correctly I would have adjusted my payment as it comes out automatically because I have checking accounts with Wells Fargo. The tactics and fees are disgusting even to people who are trying to pay on time and are solid customers of their bank.

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 2017-01-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Set forth below is a copy of an email that I sent today to Wells Fargo. The email speaks for itself. 
XXXX XXXX Private Mortgage Banker Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX XXXX : I just received a package of materials sent by XXXX by you, which is entitled " Private Mortgage Banking Full-service options for upscale home financing ''. 

The first sentence of the letter enclosed in the package states : " I appreciate you taking the time to discuss your home financing needs with me. '' Since I have NEVER spoken to you, nor even to my knowledge have you made any attempt to contact me until your XXXX package arrived, I can unequivocally state that, once again, Wells Fargo is knowingly misrepresenting facts. On the off chance that you have opened an account based on our fictitious conversation, please close it. 

A copy of this letter will be filed with the Bureau of Consumer Financial Protection. 

Sincerely, 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 2017-02-19
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
my name is XXXX XXXX and i have a mortgage with Wells Fargo the loan number is XXXX. I am bihin with my payments because last year i had some health problems and i stop working for about one month went i try to go back on track of my payments the bank did n't take my payments any more. now i try to get a modification they deny it. I only want one way to keep my house and continue making my payment. thank for your 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 2017-02-08
Company: WELLS FARGO & COMPANY
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo charged me fees in 2012 for bank statements I needed for USCIS. I was trying to get duplicate bank statements online which is free but their online system was n't working. I called the bank and they said I would not be charged for the statements if they mailed them instead, They also said if I was charged they would refund the amount. Weeks later I was charged for the statements, They refused to refund the charges. They also refused to review the telephone call where I was told the charges would be refunded,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Experian does not pick up my phone call for 2 hours and 30 minutes. They are making the process extremely difficult and is bordering on fraud.

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 monetary relief
Consumer complaint received 2017-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 repeatedly reported to all three credit bureaus that I have never lived XXXX XXXX and I have never opened a XXXX XXXX or had the reason to. I have lived at the same address for years. This inaccuracy has affected my ability to open a new line of credit because it 's being used as identifying information.

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 2016-08-19
Company: WELLS FARGO & COMPANY
State: DE
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Applied for a co-signer realease from a Wells Fargo that I have consitently paid ontime since XXXX was denied because my XXXX XXXX score was to low. No mention of what an approriate score is even in converstation with Wells Fargo representative before I sumbitted the application. Still do n't know what the " ideal '' score is me to recieve a cosigner release. Just this year I have been offered by Wells Fargo the oppurtunity to refinance my student loan without a co-signer so I am utterly confused on how I can be eligible to refincance without a co-signer but my score is to low to get a co-signer realease

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 2021-11-23
Company: EQUIFAX, INC.
State: MO
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 contacting the companies and credit bureaus for months now and nothing has been done. I have been a victim of identity theft. I have been so stressed over this account and these addresses that dont belong to me. It has been causing me to be denied for further credit and it has really taken a toll on my family financially during the pandemic. I need Equifax to take this complaint seriously and delete the accounts, inquiry and addresses immediately. I have attached all proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: TD BANK US HOLDING COMPANY
State: NV
Product: Credit card
Issue: Late fee

Complaint:
I attempted on several occasions to obtain assistance with the late fees on my account which were incurred while I was in the hospital from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX with Target Card Services DBA TD BANK. I have spoken to the following agents : XXXX, XXXX, XXXX. Supervisors : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
I have never been late on this acct since I opened this acct until I landed in the hospital. I requested only XXXX Late fees to be waived of {$38.00} and {$36.00} and they refused as I was more than 30 days late.. I have never had this issue with none of my other credit card accts until this one. They are extremely rude, unprofessional and have on several occasions violated UDAAP. This is not a professional way to be running a bank in this capacity. They refuse to allow me to speak to anyone in charge above their phone supervisors.. I have offered to fax my hospital paperwork verifying this to be true. and the bank refused to remove my late fees and review my documentation. have other accounts with other banks and never had this issue before and this is quite disturbing. Not to mention these agents have committed many UDAAP. This is something that needs to be seriously investigated as they do not think they have to follow any laws as nothing applies to them except their made up policies which they said they can change at anytime with no notification to the customer. I completely disgusted with this organization. I would not call them a bank after they treat their customers the way they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card
Issue: Other fee

Complaint:
my business acct was closed on XX/XX/XXXX no one had permission no one sees i was lied to regarding the waiver that was never put on that should have been each time i got a script about the rules about fees. not right. 
i want the account without a fee for XXXX months this time wihtout being lied to. i dont want a script read to me. i want to see if anyone sees how i was lied to in XX/XX/XXXX. about a waiver. it never stiuck i called each month taking my time up with no recognition here about a lie i was told that should not have been. 
that is not good business. i will not pay a fee please make sure one is not billed for XXXX months in deference to the above. without a script. my account was closed by an XXXX with no permission to do so or cause. i want the waiver. i am contacting the CEO answer this without a script and show true analysis and understanding of the above STOP the form letters as the matter has not been handled at all as of now not properly. so dont refer to earlier letters

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In XXXX of XXXX I legally changed my name from XXXX XXXX XXXX to XXXX XXXX XXXX. 
Following that I informed all creditors and credit bureaus of this. In XXXX of XXXX I realized that all except Equifax had updated my name. I also realized at this time ( due to a mortgage loan application ) that creditors were unable to pull my credit from Equifax. 
I contacted Equifax in XXXX of XXXX. I was told it would be updated as I sent in documentation. 
I tried to pull my own file with Equifax through myfico.com and they also were not able to pull my Equifax and refunded my the money. 
I was told by Equifax over the phone, it's correct it just isn't reflecting however it is definitely under my name correctly. I noticed in my account with Equifax on their website. It shows my name as XXXX XXXX on my account page, however in my credit file under personal information, it still shows XXXX XXXX. Under, " Formerly Known As '' it is blank. 
I would also like to state my credit file with Equifax has not changed nor been updated in years, even though I have two different mortgages, two refinances, different and new credit cards etc, in this time. 

There is no freeze on my report, Equifax website tells me there no freeze. I figured it would work itself out as I know sometimes corrections can take time. 

XXXX of XXXX, I apply for a cash out refinance. My Lender tells me they are unable to pull my Equifax credit report. Luckily my loan was still approved. 

I logged into my Equifax account, and realize that my name is still not accurately reflecting and that my credit history, etc, has not been updated in YEARS! 

I contacted Equifax again, through the dispute center online via their website. Confirmation number XXXX and brought the issue to their attention. I also re-uploaded my name change documents. A couple days later I received an email saying my issue was resolved and that in short, told me to make sure my lenders were sending in accurate information when they go to pull my credit. The entire response was essentially a none answer, and still did not resolve my issue. 

Lenders, including myself through myfico are unable to pull my report, my report has still not changed or updated in years, and my name change STILL has not been done nor reflected on my credit report. From the lenders side Equifax just doesn't send back anything, it is blank. 

I am at my wits end and I am here seeking your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: DFC Global Corp.
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I contacted the loan places Im on XXXX XXXX there saying I have to pay {$500.00} a month that not right it from moneymart

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I had a federal tax lien withdraw from Equifax. My  XXXX  score was  XXXX  I requested and paid for an updated version of my  XXXX  score and it went up  XXXX  points only  XXXX  what 's wrong with that picture a negative item that was paid was removed and it impacted the score practically nothing Are they playing games with the consumers?      XXXX  17  tax lien was removed  XXXX  17  paid for and updated score at  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX and I am submitting this complaint myself. Despite the multiple previous written requests, the items listed below still remain on my credit report in violation of Federal Law. Equifax failed to comply with air Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the listed account below : ( XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXXXXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Experian Information Solutions Inc.
State: MO
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 contacting the companies and credit bureaus for months now and nothing has been done. I have been a victim of identity theft. I have been so stressed over this account and these addresses that dont belong to me. It has been causing me to be denied for further credit and it has really taken a toll on my family financially during the pandemic. I need Experian to take this complaint seriously and delete the account and the addresses immediately. I have attached all proof.

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 2016-09-30
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am contesting Wells Fargo Home Mortgage ( Wells Fargo, N.A., Wells Fargo and Co., and the Bank ) decision to foreclose on my primary residence on XX/XX/XXXX, more specifically, loan number XXXX. My mortgage servicer, Wells Fargo did not properly provide me with a written notice within five days ( excluding Saturdays, Sundays, or legal holidays ) after the Bank received my complete loss mitigation application which is mandated by Consumer Financial Protect Bureau ( CFPB ) XX/XX/XXXX mortgage rules and subsequent amendments published by not only the CFBP but also the OCC and FRB. Furthermore, Wells Fargo did not properly deny the completed loss mitigation application I submitted to the Bank. 

Wells Fargo conducted an illegal sale of my primary residence which is clearly a violation of consumer financial laws. 

Although I offered to make a partial mortgage payment, Wells Fargo wrongfully foreclosed on my primary residence. I applied for multiple loan loss modifications and Wells Fargo did not perform a reasonable review of my completed loan modification application specifically, my complete loan modification application that I submitted to XXXX XXXX on XX/XX/XXXX. XXXX XXXX also confirmed that he received my completed loan modification application on same day. XXXX XXXX, Executive Home Preservation Specialist assured me that my home would not be sold and my application would be reviewed. However, Wells Fargo wrongfully auctioned my primary residence on XX/XX/XXXX. 

I am requesting that the CFPB conduct a full investigation of Wells Fargo Home Mortgage servicing practices from XX/XX/XXXX through XX/XX/XXXX in order to uncover Wells Fargo unfair, deceptive, or abusive acts or practices ( UDAAP ). Frankly, this Bank has and continues to commit wrongful foreclose acts against not only me but also against XXXX other U.S. households. 

As the world renowned XXXX XXXX XXXX XXXX, XXXX so eloquently stated decades ago " injustice anywhere is a threat to justice everywhere. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
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: Investigation took more than 30 days

Complaint:
Hello My name is XXXX XXXX. Im writing this complaint in response to Complaint XXXX and XXXX. This complaint is in regards to both Experian & XXXX for violating my rights to privacy. Its been submitted well over 30 days ago without a response. By law these items need to be removed from my consumer report. Both Experian & XXXX have taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false information to my consumer report without my lawful authority. 


This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency to furnish any of these items to my consumer report. It is my belief that the consumer reporting agencies, ( such as XXXX, Experian, XXXX ) parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.

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 2021-04-23
Company: Navient Solutions, LLC.
State: IA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I couldn't afford my payment so I tried to refinance but they wouldn't allow it so I had to make payments as I could afford. They called me nonstop, using aggressive tactics, they've called me, my parents, my husband, my in-laws, my work. They leave a voicemail at my work every single day. I sent a cease and desist letter 9 days ago and they received it 3 days ago but have continued to call me every single day.

Company response to consumer: Closed with explanation