BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I read about a lawsuit in which Wells Fargo was to pay consumers for wrongfully applying payments and fees etc to auto loan borrowers. I was a customer of Wells Fargo with an auto loan during this time period. I was never contacted by Wells Fargo but if they are-were partaking in such practices I dont understand how my loan wasnt affected if so many others were. I would like my loan to be looked into as well and if they acted unlawfully would like to be compensated as well. Again, if this is what they were doing during that time, I dont see how they werent doing it to my account as well

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 2021-08-28
Company: WELLS FARGO & COMPANY
State: OK
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 previously mailed the attached letter below on XX/XX/15 and have yet to see any changes made to my credit file. Please review the attached Affidavit of Fact which is Pursuant to 15 U.S.

Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy among other things which are in violation as I never gave you my information directly.

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 2021-08-28
Company: Experian Information Solutions Inc.
State: WA
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:
Experian XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX TX XXXX XXXX XXXX WA XXXX Dear Sir or Madam : XX/XX/2021 I recently applied for a Home Loan and was denied. In large part, this was due to errors being reported in my name by Experian. I am therefore requesting that you do a thorough investigation of the accounts Ive listed below for both accuracy and completeness : Creditor Account Referenced Creditor Account referenced XXXX # XXXX XXXX XXXX # XXXX # XXXX # XXXX # XXXX XXXX # XXXX # XXXX Key # XXXX # XXXX # XXXX # XXXX The errors Experian is reporting in my name are causing me great financial harm. Pursuant to my rights under the FCRA, I will wait no more than 30 days from the verified date of your receipt of this letter ( sent to you via USPS Certified Mail ) for completion of your investigation. Upon completion of your investigation of the accounts listed here, please provide me a corrected and complete copy of my credit report. ** Specifically, I request that Experian demonstrate the Date of Last Activity, or Last Active date, for each of the accounts in your records. ** It is my understanding that the FCRA allows a Credit Reporting Agency to request proper identification before addressing my concerns. To that end, I have enclosed the following information to demonstrate my identity : A copy of my U.S. Passport Two bills addressed in my name and delivered to my address of record A copy of Page 1 of the Partners Credit & Verification Solutions credit report used in considering my loan application which demonstrates that Experian sold my information and that this is the same information I have provided to you in the List of Accounts presented above. 

XXXX*Note : I have every reason to believe that a U.S. Passport is accepted in all 50 States and by any US Court of Law as Proper Identification. Additionally, both my Social Security Number and Date of Birth are displayed on the Partners Credit & Verification Solutions credit report. Demonstrating that Experian sold my information to them using this same information as identification. This statement is signed under oath and is a true representation of the information available to me. 

Regards, XXXX XXXX XXXX XXXX. 


CC : File

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 2019-10-20
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I have reported Transunion to the office of my attorney generals office : XXXX XXXX, as my rights under the FCRA 2009 have been violated by this consumer reporting agencies, I have absolutely no idea what these Inquirys are, I have never opened applied for any account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts In my previous CFPB report to XXXX  it was claimed that they had sent the information to the credit issuers in question that I sent a FEDERAL AFFIDAVIT The Federal Law as explained to me by my Attorney Generals office is that ; Section605B ( a ) requires CRAs to block the reporting of any information that the consumer identifes as information that resulted from an alleged identity theft, within 4 business days. The fraudulent inquirys that I am requesting be blocked & deleted and asking Transunion to cease and desist reporting are., I have NEVER APPLIED for ANY PRODUCT from these creditors, please delete these inquiries as I have never applied. The inquiries are : XXXX XXXX Inquiry from XX/XX/XXXX. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX These inquiries are fraudulent and I am requesting block to these inquiries under the FCRA 2009 605 ( b ) ( 2 ).

I have filed the FTC IDENTITY THEFT FRAUD AFFIDAVIT, please cease and desist all reporting these inquiries.

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 2021-08-27
Company: Experian Information Solutions Inc.
State: TN
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:
Iver been a victim of identity theft

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 2021-08-27
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Bankruptcy Accounts that I disputed with creditors & bureaus are still reporting on my credit. I ask for a written response documented showing the validations. To my understanding you violated multiple laws you guys go by. 

I personally contacted the Bankruptcy court to get some information they dont even have any of my information so how could you Report this on my credit. You guys should fined and prosecuted reporting false inaccurate information is against the law & against my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: MORTGAGE SOLUTIONS OF COLORADO
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My payment was increased {$61.00} to cover an escrow shortage. I never received notice that there was an increase so my payments were considered short. Because of this, my automatic payments were not credited and they claim I have missed two payments. I have been talking to them for days and getting no resolution. Here is just some of what I have been told. 

My homeowners insurance increased by XXXX per year. That would be roughly {$12.00} per month increase. When I contacted their office I spoke to several people. I was told that because the value of my home increased, the loan payment increased. I was told that I would need to contact XXXX XXXX XXXX, CA. because the county dictates my payment amount. This was an increase in homeowners, not taxes. 

For the last week, I have been speaking with XXXX who claims to be a supervisor. I have asked for a manager call back several times but have not received one to date. XXXX explained to me that the problem began with XXXX payment and that it was short because they had increased my payment by {$33.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
One XX/XX/XXXX I spoke with a customer service rep about assistance due to Hurricane Irma. I  sustained damage to my home and needed to make repairs without filing an insurance claim due to high deductible. I was offered to defer my mortgage payment for three months and have those three months just added onto the end of my mortgage term extending my loan time. I agreed to this and was advised I would have a new contract sent to me to sign and return extending the loan for three months. After two weeks I received a letter in the mail from SPS advising that I did not owe a payment for three months but on XX/XX/XXXX I had a balloon payment due which was in the total of four months of mortgage payments. I was extremely upset because this in not what I was offered or agreed upon. I also had already started having the repairs made to my home and had paid for them. I will not have enough money to make a balloon payment due to the expense of having my repairs made. I mean seriously how is this helping me financially? On XX/XX/XXXX I called and spoke with a customer service rep who was no help and then asked to speak with a supervisor. Supervisor could only apologize and advised that the customer service rep on XX/XX/XXXX told me incorrect information and he would be counseled by his supervisor. I was then told that on XX/XX/XXXX if I can not afford the balloon payment then I could then request for a deferment at that time and MAYBE I could be approved if not then I would need to pay the balloon payment. I explained that I wanted the deal that was originally offered to me and that I could not just live in limbo hoping to get a deferment after XX/XX/XXXX. These people are setting people up for failure! Horrible customer service and obviously DO NOT know what they are doing

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: Comerica
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a coamerica bank account which I was not very clear about the terms and conditions. They charged me some fees - one after the other without calling me or sending me any email or mail. 
I would like unreasonable {$25.00} fees to be waived off and account to be closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-27
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 have over 30 hard inquiries on my equifax account due to fraudulent or no knowledge of being mine and that they refuse to remove them from my account after multiple disputes and calls

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Trans Union has violated my civil rights under 15 USC 1681 in accordance with the Fair Credit Reporting Act, account XXXX XXXX acct # XXXX 15 USC 1681 section 602 A states I have a right to privacy, 15 USC 1681 section 604 A section 2 It states a consumer reporting agency can not furnish a account without written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27
Company: Mercedes Benz Financial Services
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: Account status incorrect

Complaint:
Two of my three consumer credit reports ( XXXX  and XXXX ) are each erroneously showing a single 30-day delinquency on my Mercedes-Benz Financial Services installment loan ( account no. XXXX ), while my XXXX  credit report correctly shows that the account was never delinquent and always paid in full and on time. Moreover, the two credit reports that reflect the erroneous delinquency are reporting it in different monthsXXXX shows a 30-day delinquency in XX/XX/2017, while XXXX  shows a 30-day delinquency in XX/XX/2017. This account was never 30 days ( or any number of days ) delinquent in either of those months or any other month. Rather, the account was fully paid off, on time, without a single late or missed installment payment over the entire life of the loan. 

I spoke with a representative of Mercedes-Benz Financial Services on XX/XX/XXXX regarding the inaccurate information being reported to the two credit bureaus, and she agreed and confirmed that the information is, indeed, inaccurate according to their own records and that no delinquency of any kind should have ever been reported for my account. She further informed me, however, that she would not be able to correct the error for me, and the only way to get it corrected would be to submit a written request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Integrated Recovery Services
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On both XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, XXXX XXXX from the XXXX XXXX XXXX XXXX left me a message that seem robotic saying to call them to verify my address in order to expedite my assets

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: JPMORGAN CHASE & CO.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I went into Chase Bank located at XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX, Phone ( XXXX ) XXXX to open up a Chase Bank checking and savings accounts. I was informed my application was declined and denied due to me having a current bankruptcy. I was informed by Chase Bank Corporate Office that i wont be denied to open up a checking account due to a previous Chapter XXXX Bankruptcy filing and discharged. I was told it was ok for me to open an account and I would be approved to open up a Chase Bank checking and savings account, but I was denied due to my Chapter XXXX Bankruptcy Discharged on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: BANCO POPULAR DE PUERTO RICO
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I called to the customer service line to inquire about the annual fee. I asked for a refund/reversal of the annual fee and closure of the account within a few days of the renewal date. Customer service representative said that this could not be done and that he needed to submit a request that would take several business days. After waiting, I called back to find out the resolution and the company said that they could not refund/reverse the annual fee even after attempting to close the account. This is a dormant account, meaning I had not used for more than 6 months and will not use in the future. I think, it is very unfair for a credit card company to make you pay for an account that is not and will not be used. 
Now I have to pay the annual fee ( the only balance ) in the account in order to close it with no negative impact to my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America did not record the satisfaction of mortgagee on a property we purchased in 2004, which is now holding up the sale of our home.

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 2021-08-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Since XX/XX/XXXX, I've had a mortgage through XXXX XXXX/ XXXX. 

When I lost my job due to COVID, I entered a CARES act forbearance around XXXX of XXXX. 

At the end of XX/XX/XXXX, XXXX XXXX sold my loan to Carrington Mortgage. Starting XX/XX/XXXX was the new servicer of the loan. 

I am currently in a CARES act forbearance with Carrington Mortgage that expires XX/XX/XXXX. 

My problem : When my mortgage changed hands to Carrington Mortgage I was charged a late fee of {$65.00}. I was under the understanding that I can't be charged a late fee for missed payments when entered into a CARES act forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Armcon Corp
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted via letter on XX/XX/XXXX by a XXXX XXXX representing the Coachella Valley Collection Service. He indicated that a debt was owed in the amount of {$5800.00} from the XXXX XXXX XXXX XXXX. 

He continued to send numerous collection letters. On XX/XX/XXXX he sent a letter threatening to sue.
On XX/XX/XXXX I replied to the collection agency to cease and desist collection efforts as the Statute of Limitations had long passed. They never responded nor removed the collection from the credit bureau  's.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have an account with XXXX XXXX from XX/XX/XXXX. The loan has been paid in full but is still on my credit report and its XX/XX/XXXX. I will like for this account to be removed it has been paid and is over 8 years old and is a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: EQUIFAX, INC.
State: OH
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:
RE : remove all inquiries from my credit report Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Some unknown person open up accounts in my name without my permission.. such as XXXX XXXX XXXX XXXX/CHARGEOFF AND XXXX. Please block and remove this information from my credit report, according to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation