BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: NY
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:
This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.

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 2022-05-26
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My ex-husband had a credit card with Wells Fargo that I did not know I was an authorized user on. Our divorce papers clearly state that he was responsible for all credit card debts, and was to remove me from all cards. He passed away, and Wells Fargo moved the card into my name. I have continually contacted Wells Fargo concerning this since XX/XX/2022. I was denied identity theft as of XX/XX/2022 ; which was what I was told to do first. I have been denied mediation as of a letter dated XX/XX/2022. I contacted Wells Fargo XX/XX/2022 and was told by the fraudulent claims department that it was still open for mediation and to contact them. I contacted meditation directly after and was told it is not open for mediation that it is open in fraudulent claims. I have tried diligently to find out how I was ever an authorized user, and have been told by Wells Fargo that it was automatic. I never had a card, never signed to be an authorized user, and never used this card. I would like this debt to be taken out of my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-25
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen refuse to change my mortgage payments from XXXX to XXXX .my mortgage for XX/XX/XXXX is XXXX ocwen has n't explain to why I am paying additional {$360.00}. Ocwen has poor customer service and I feel as if they are forcing me to lose my home I emotionally stress.this is the XXXX complaint I do n't understand how this company is not under investigation by the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
OCwen loan Service. On XXXX/XXXX/XXXX OCwen Loan FL. was given Income statement and Forms over telephone for Modify Loan. On XXXX XXXX another Package was fax and Mail to XXXX location, XXXX. {$42.00}. As of XXXX XXXX Still no confirmation of Modify Loan. Ocwen Request fund wire A non-modify to XXXX. XXXX was paid. But My bank said the information is incorrect. to please get the right Address information before transfer again. 
I have tried to talk to my rep. Two week before you can get answers. try to contact. 
Now Ocwen is sending out Past due notice saying payment from XXXX to XXXX I keep informing them about the Modify. No Answer Ocwen. Ask them would they pay my property Tax.. they said once it Modify.. just last week they said they still working on Modify loan. it do not take 6 months to Modify A loan.. Since XXXX Ocwen took over this loan from GMAC and XXXX XXXX XXXX original loan was only for 2 months Before transfer to Homecoming finance, GMAC, Ocwen. Complaint on this Mortg. has been goin on since XXXX. Need to research this loan detail. I will pay once I get A confirmation Letter from Ocwen when this Modify is completed. as of XX/XX/XXXX.not completed by Ocwen. 
Many case has been file Case number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo 's online mortgage payment system would not accept my payment for several weeks. Since there are no physical locations in my state I was forced to make my payment using their automated phone system, which conveniently for them assesses a {$6.00} processing fee. 

In essence I was forced to pay a fee for the convenience of making my mortgage payment.

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 2015-04-05
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Navy Federal Credit Union blocked access to my checking, savings, IRA and credit card accounts. I 've called for the past four weeks and I 've been informed that only one person can explain what is going on. I 've left numerous voicemails for XXXX in their Security Department and he has not returned my calls and no one can provide me with answers on why I am not able to access my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C 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 a consumer in connection with the collection of any debt

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 2022-05-26
Company: EQUIFAX, 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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C 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 a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Wells Fargo treated me lousy as a new bank customer. 
I got charged XXXX overdraft fee and my account would not let me activate my credit card issued to me by Wells Fargo in order to further avoid additional bank overdraft fees and cover my negative balance. I asked Wells Fargo to credit those fees and they refused. They also refused to close the account when I asked them to close it. They said they would first ruin my credit and send my account to collections. Last time I do business with this bank for any of my transactions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I took a loan with Wells Fargo. The principal is paid in full but they are still looking for {$320.00}. they are claiming that i was late paying but even if that was the case, i did make the payments and they should have gone towards late fees. instead, they added fees to the late fees ....

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 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/2022, I sent a dispute to all 3 credit reporting agencies. In accordance with the fair Credit Reporting Act The list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account XXXX, 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 C ( a ) ( 5 ) they also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) the law clearly states the credit bureaus have 5 days to notify me from they receives my disputes also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( 1 ) ( ii ) the clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly detete the information from the file of the consumer.

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 2022-05-26
Company: Navient Solutions, LLC.
State: CO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Navient is contacting me too frequently : For the week of XXXX XXXX, in these 5 days, I received 22 calls from Navient. Before and since this week, there has been very little change in the frequency of these calls. They are always within the hours of XXXX, but they are very difficult to deal with and each call is usually followed by a voicemail. 

I also receive 5-10 emails per week about my loans from Navient, but half of these only say I have a notification or new balance, not many specifics. 

And I also receive between 10-15 postal letters each month from Navient. It does not matter if my loans are current or delinquent, the calls, emails and letters never decrease in frequency or volume. 

Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX, XXXX XXXX XXXX Number Num : Balance {$590.00} Sir or Madam, I am writing in regards account XXXX XXXX XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Maximus Education, LLC dba Aidvantage
State: DE
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 had Federal Direct student loans with XXXX XXXX  XXXX. I have qualified for PSLF for 19 years. XXXX misled me on deference/forbearance/consolidation and lost many months I should have been eligible for qualifying payments. I have not heard from XXXX or XXXX XXXX about this legal situation. I now have all my Federal student loans with XXXX and updated my qualifying PSLF requirements. However, I believe that my student loan balance should be forgiven based on the new information discovered about XXXX business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo withdrew {$220.00} on XXXX/XXXX/XXXX and {$670.00} on XXXX/XXXX/XXXX for a total of {$900.00} without my authorization. Wells Fargo claims I authorized [ Father ] on my account on XXXX/XXXX/XXXX and consequently feel they had the right to take the money to cover his delinquent account. I proved to them that was not my signature on the documents they claimed I signed by providing a copy of my driver 's license with my true signature. During the span on XXXX they conducted an investigation which involved me having to follow-up on numerous occasions including my third visit to the branch on XXXX/XXXX/XXXX after weeks passed and several unreturned phone calls. The conclusion of their investigation by an email read to me by XXXX was " Unfortunately we are not able to reverse any 'set-offs ' since it is not a bank error. We recommend [ I ] close out the account so [ I ] loses no more funds in the future. We apologize for the inconvenience this will cause our customer but they advise to reach out to [ Father ] to obtain the funds ''. They acknowledged that I am not in contact with [ Father ] because they too attempted to reach him. They also acknowledged the signature in the original document is not mine. For the aforementioned reasons, my mortgage is now past due since XXXX/XXXX/XXXX and I have received several collection calls from Wells Fargo. I have attempted to make payments even though they are at fault and they are not allowing me to pay because I now have my lawyer involved.

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 2021-11-25
Company: EQUIFAX, INC.
State: CT
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had sold my residence and had all of my utilities including my XXXX accounts switched over to my new home located in the same town or zip code. The XXXX accounts included my land line, wire less and fax line. My XXXX account was uninterrupted and I transitioned into my new residence without any problems with the same numbers. Any monthly balances outstanding were simply added to my monthly bills and paid accordingly. While at my new residence, I received a call from Midland Collection Management, LLC " MCM '' stating they represented XXXX and that I was in collections for XXXX bill that was outstanding. I explained that I had just moved and I thought everything was fine with all services brought to my new residence. This was the first time I had heard of any amounts owed and it was from a collection agency ( not XXXX ). I had more than XXXX wireless, landlines and fax lines moved to my new residence and everything was current to the best of my knowledge without any outstanding balances owed. No service was interrupted at any time. The collection agency insisted this was for a line that was dropped and not moved or placed on my new billing information. However, the representative from MCM said if I was willing to pay this bill over the phone, they would remove it from my credit report due to the confusion. I apologized and gave them my payment information over the phone and it was processed immediately. The representative thanked me for the payment, gave me a confirmation number and reassured it would be taken off my credit report. The bill was paid immediately when I received the phone call and it was paid in full more than XXXX years ago. However, I was recently notified by the government that I may personal information may have been compromised and I reviewed credit reports from XXXX XXXX and XXXX. Upon review, I noticed that XXXX XXXX reflected the MCM collections account on my credit report as a closed collection account with a " XXXX '' balance owed. XXXX had the MCM collections account listed as an outstanding collections account, with " XXXX '' balance owed. This incident has damaged my credit score after making full restitution and it is still listed as outstanding. The representative informed me that this would be removed from my credit report upon payment due to the confusion caused by the recent move.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo opened an account in my name and has had someone named " XXXX '' send XXXX of dollars in the last year. The account ends in XXXX and over the past year, I have received no less than 20 notifications that XXXX of dollars had been sent to me. I have called and walked in to a branch to complain about the account that was opened in my name and no one from Wells Fargo will close this fraudulent account. Closing my all of my accounts with them did not help. As of today XX/XX/2017, I am still getting notified of XXXX sending me money through Wells Fargo XXXX to an account that I never opened.

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 2016-04-26
Company: Red Cedar Services, Inc
State: NY
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
after being solicited i took payday loans in ny 7 years ago which to my understanding now was illegal to lend here then. Then i got a lawyer and they got em paid but charged me more than the loans over time.I a XXXX year old XXXX vet and these debts are paid they are all response via email and i do n't know how to send them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-10
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I started disputing information on my credit reports with the Equifax, XXXX and XXXX XX/XX/2016 for myself and my husband. I specifically sent certified letters disputing specific inaccurate information and asking them to validate the debt. At the time they were reporting ( see below ) the listed XXXX accounts that were on both of our reports through Equifax, XXXX and XXXX which list the accounts as Joint liability. 
XXXX - Account # XXXX ( charge-off ) XXXX - Account # XXXX ( foreclosure ) XXXX XXXX XXXX XXXX - Account # XXXX ( leased equipment ) After several rounds of certified letters to them, they REMOVED all XXXX accounts from my husband 's report XX/XX/2016 but claimed to have VERIFIED and will not delete from my file. I find this impossible and clearly they could n't have verified and removed from my husband 's credit report but verified and kept mine. Same debt, joint liability. I have tried talking with them to no avail. They also failed to mark the dispute comments on my file within the 30 day period. This is clearly a violation of FCRA. About 2 weeks ago XXXX and XXXX followed suit and removed the charge off account from his account but not mine. ( XXXX XXXX was only listed with Equifax )

Company response to consumer: Closed with explanation