BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-18
Company: WELLS FARGO & COMPANY
State: NE
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/XXXX, I was pre-approved for a jumbo mortgage by Wells Fargo. 

Since then I have built a home. During construction I had a {$650000.00} construction loan and {$150000.00} bridge loan. I have been working with XXXX XXXX from Wells Fargo on getting the mortgage finalized. 

On XX/XX/XXXX XXXX was sent an email stating my intent to use proceeds of the sale of my current home ( " XXXX XXXX '' ) to pay down the bridge loan. 

On XX/XX/XXXX XXXX was sent an email stating that " XXXX XXXX '' sold and would close on XX/XX/XXXX. 

On XX/XX/XXXX XXXX confirmed a rate lock of 2.875 % on the mortgage loan. 

On XX/XX/XXXX We closed on the sale of " XXXX XXXX '' and used {$70000.00} to pay down bridge loan. 

On XX/XX/XXXX XXXX called me and said our loan was declined due to insufficient liquid reserves. 


I feel this constitutes as banking malpractice due to negligence. 

* XXXX was fully aware of my Wells Fargo account balances, XXXX balance and the proceeds of my home, thus XXXX knew we needed the proceeds to be used to cover the reserves requirement. 

* XXXX knew the proceeds of " XXXX XXXX '' were going to pay down the bridge loan * XXXX knew this would mean the proceeds would not be able to meet the reserves requirement, but did not tell us. 

* If XXXX would have told us, we would have not used the proceeds to pay down the bridge loan, and instead kept them in a savings account. This would have allowed us to be approved for the loan. 

* XXXX did not act in a professional manner, or look out for my best interest as a customer.

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 2022-04-30
Company: Experian Information Solutions Inc.
State: MS
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:
The credit bureau never did a proper investigation according to the FCRA.

The term investigative consumer report means a consumer report or portion

thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. The did not do this. Also they have violated my rights even more In accordance with the Fair Credit Reporting Everythin
g has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal,

They also violated the law because according to 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 an account without my written instructions I did not give anybody 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 explanation
Consumer complaint received 2017-04-15
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am a XXXX seeking XXXX. When I consolidated my loans with Navient I was NOT advised that XXXX loan taken out prior to 1998 would exclude me from XXXX. I asked if I could pay off that loan so that I can qualify for the XXXX and I was told that I am unable to do so. When I ask why I was n't informed of the issue, I am merely told, " I am sorry ma'am ''. I have inquired several times and I feel cheated and I feel like I was taken advantage of. 

The only proper solution - I would like to pay off the loan that is keeping me from qualifying for the XXXX. It is only right that I am allowed to unconsolidate, pay off the XXXX loan and be granted the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I 've been paying my student loans for over 7 years and it does n't appear that my payments are being appropriately allocated. Most of my payments are going directly to interests and taken extremely long to pay off. I 'm not able to get payment information past 12 months to get an accurate comparison of the progress that I 've made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are some hard inquiries appeared on my Transunion credit report, which supposed be fraud and I want to remove them for accuracy. 
list of hard inquiries I don't recognize : XXXX XXXX XXXX XXXX ( Auto XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Bank ) on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) on XX/XX/XXXX And one inquires on XXXX report XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14
Company: CITIBANK, N.A.
State: UT
Product: Credit card
Issue: Billing disputes

Complaint:
Back in XXXX 2016 a purchase was made with my credit card that I did not make. I filed a fraud dispute and Citi investigated the matter. When I launched the dispute the charge was supposed to be temporarily removed from my credit card. It was never removed. Furthermore Citi said that I made the purchase which I did not or I would not have made the dispute. So I decided to say screw it, I will pay the amount. Well Citi decided to double charge me for the amount of {$530.00}. They put XXXX charge in my regular purchases and the other XXXX for 0 % interest for 18 months ( this was the one they were supposed to remove and never did when I made the fraud complaint ). When I saw they double charged me back in XXXX I have called and emailed their customer service department. I either get hung up on or per the emails the person commanding the email tells me to just call in. No one will help me. I even issued a response to their executive team which I have not heard back from yet.

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 2019-12-18
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:
Please refer to the attached XXXX report, page 3 of 4, indicating the deletion of XXXX XXXX, # XXXX has been deleted. Refer to the attached ID THEFT report also, and promptly delete this account Please refer to the attached XXXX report, page 3 of 4, indicating the sentence, The disputed item is not currently reporting on the XXXX  credit file. Public Record : Bankruptcy : XXXX. I have never filed bankruptcy. There should not be a disparity between what XXXX is reporting and your reported data. Refer to attached ID THEFT report also, and promptly delete this account.

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 2017-06-01
Company: Experian Information Solutions Inc.
State: GA
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:
Over the past few months I have sent correspondence related to  XXXX  different items on my credit file and everytime I receive a generic response saying account update or verifyed but every time the same incorrect info is listed. When correspondence was sent to original creditors I use the address on my file and after a week or so both were returned because of the incorrect address from my research all info on my credit file has to be 100 % correct or the item must be removed. After receiving both certified letters backs as returned I then made photo copies of both returned envelopes along with a letter detailing when I 'm requesting both items have been updated although I 'm for a face that the addresses are incorrect if the letters have been returned from the USPS. The  XXXX  items I 'm referring to are  XXXX   XXXX   XXXX  and  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 2017-04-13
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
My loan agent was not able to get a credit report from Equifax because my account was locked. I called Equifax from XX/XX/XXXX afternoon till XX/XX/XXXX morning to unlock my account. And finally got instructed to email copy of my Social Security Card and Driver License to XXXX because they do n't have my information in their system. Their auto-reply email said they would response within 2 business days but nothing happened after two business days and my load agent and my new house are still waiting for them. 

I checked my previous emails today and found I went through the same issue with Equifax 5 years ago ( XX/XX/XXXX ). They asked me to email the same information 5 years ago and then asked me to fax the documents instead of emailing. I did n't get it why I should do the same thing again since they 've already got all the information at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XX/XX/20 I received notice from Navient that my loan has been refinanced and I never requested or was contacted about any refinance. I have been asking them to provide proof and to give me a copy of any document that I signed and of course they keep stating they will mail them to me but I have never received them. I was paying extra on this loan and it was paid ahead and very little interest remained on the old loan and now my interest costs are significantly higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT 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 explanation
Consumer complaint received 2022-04-30
Company: EQUIFAX, 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:
I am writing this Complaint due to the fact EQUIFAX fails to do a complete verified investigation. I have attempted to communicate via telephone calling XXXX and for the past 60 to 90 days i have heard mostly their computer systems have either been down and or I can not reach anyone by phone. I have attached a verified letter of investigation for EQUIFAX, to date I have not heard from them in over 90 days. As of XX/XX/XXXX, and the XXXX I see Inquires I do not recall requesting ; moreover on my personal info on Credit file list inaccuracies : YEAR OF BIRTH XXXX, EMPLOYERS : XXXX, XXXX XXXX XXXX I, XXXX XXXX XXXX ; Please remove these items. Under 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15 U.S.C . 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: EQUIFAX, INC.
State: SC
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XX/XX/2021 Installment loan XXXX XXXX XXXX : {$870.00} BAL : {$820.00} DEROGATORY ACCOUNT STATUS : CLOSED ACCT # : XXXX CHARGED OFF THE ACCOUNT ABOVE SHOWS BILLING ERRORS OF INCORRECT BALANCE AND ACCOUNT STATUS I have reached out to all XXXX Entitys about this billing error on my credit reports. XXXX, XXXX, & Transunion to fix this matter and remove the account due to the violation of my consumer rights and non consent of my signature approving to furnish my account with these charged off accounts. The entitys have refused to do their actual duties of research in correspondence to my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-23
Company: SLM CORPORATION
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have been working with Sallie Mae on my current student loans and from XXXX of 2017 to current. They have received information from public records and have been harassing my ex-family members. They have not been authorized to use this information and it was not given to them by me or the co-signers on my loan. I believe they are taking private information of people I may know and using it without their knowledge. Sallie Mae is already under a class action lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: EQUIFAX, INC.
State: AL
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:
I have sent several letters since XX/XX/2021, and I have not received a response concerning this account ( XXXX ) listed on my credit report. It has been over 120 days and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
-Disputed charge with credit card company XX/XX/2016 -Was told by customer service that they would investigate dispute, send me notification of results -Disputed charge was removed from my account -Disputed charge was added back to my account. No notification in writing, or by email, or by phone regarding investigation was ever sent to me. No communication from Barclaycard regarding dispute -Contacted customer service again. Barclaycard claimed they had notified me in writing to say the dispute was ended. They ( conveniently ) had nothing to show that they had contacted me. No record of a letter sent to me. No email. No recording of a phone call. 
-They did not contact me. 
-I therefore called customer service regarding the most recent bill, with the disputed amount added back on, with no explanation -Customer service told me to pay the amount not in dispute and that I would not be charged interest on amount still in dispute -Next bill arrives : they have charged interest and a late fee. 
-I contact them via social media, because there is no other way to get Barclaycard to respond other than by shaming them in public. Barclay card social media XXXX emails me with a phone number to call. 
-Someone from Barclaycard US calls me, due to my contacting Barclaycard XXXX . Claims they resolved the dispute in their favor, and sent me a letter about it. Again, she has no record of this letter, no record of any email or contact with me regarding the dispute. 
-Says she will look into it further and email me the next day -She does not contact me, the next day or ever -They are continuing to charge me interest. Needless to say, I have stopped using this card and will be closing this account and ending all further business with Barclaycard. 
In the meantime, they are trying to grab more money from me over this dispute which they continue to neglect to investigate, charging me interest and late fees. 
-I will be hiring a lawyer. The only thing these people at Barclay US respond to is forcible legal action or bad press.

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 2017-08-24
Company: EQUIFAX, INC.
State: PA
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:
Account XXXX XXXX XXXX Account # XXXX opened XX/XX/2008 is being reported as a adverse account with a past due status the account is now current and is in good standing with no balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: DISCOVER BANK
State: NV
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:
My discover home equity loan was refinanced by XXXX XXXX. XXXX XXXX  sent Discover Home Equity a payoff check which they cashed, but never applied to my loan. I was stuck paying 2 home equity loans for months. I tried multiple times to get this resolved and escalated with both companies to no avail. XXXX XXXX finally had to reissue the check and send it again to Discover. The check was received in XX/XX/XXXX and loan payoff was backdated to the original payoff date of XX/XX/XXXX. All monthly payments that were drafted from XX/XX/XXXX through XX/XX/XXXX were returned to me by Discover. However, Discover reported me 120+ days past due on my credit report in XX/XX/XXXX due to all of this. I was never late on any payments as they were auto debited from my account. I was even making two HE payments while all of this was resolved by the financial institutions. This prevented my husband and I from purchasing a home at the time because we couldn't get the title sorted out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14
Company: Navient Solutions, LLC.
State: TN
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I made arrangements with Navient earlier in the month. I let XXXX know I would be calling before the end of the month to make a payment. They documented this because they let me know each time I spoke with them. A representative from the company would call me several times a day, sometime hanging up in my face to annoy me. I use my cell phone for work. This company calls me from several different numbers throughout the day which makes me think they are clients or work-related. I answered the times I was available and let a representative know that the XXXX phone number called me several times each day hanging up in my face. They said it was an auto-dialer they have that does this. I let them know this was extremely annoying and I felt harassed with all of the calls especially the ones that hung up on me. On Friday XX/XX/XXXX I spoke with Navient representative XXXX ( employee number XXXX ). I asked XXXX to discontinue the calls to my personal phone and reminded her of the arrangement I 'd made previously that I would call before the end of the month to make a payment. XXXX let me know that was not a suitable arrangement. I told her that was the best arrangement I could make at this time. I 'd requested at XXXX that the call ended with the arrangement on file. XXXX refused to disconnect the call and in fact transferred me to her supervisor who continued to badger me for an explanation. I let her know that Id asked them to end the call at XXXX seconds. Supervisor XXXX ( XXXX ) also refused to disconnect the call and stayed on the line an additional XXXX minutes continually repeating my name baiting me for an argument while I remained in silence after I let her know that I would no longer be engaging due to the harsh nature of the call and my previous request to end it. After several minutes of her badgering me in silence she finally concluded that she would document the entire call and that she would be sure to call back. I am very annoyed at the badgering, the attempts by agent XXXX to bully me with her supervisor ( after I 'd asked she disconnect the call ) and Supervisor XXXX attempts to bait me into a verbal altercation.

Company response to consumer: Closed with explanation