BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-24
Company: Apple Law Group, Inc.
State: CA
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
On XXXX XXXX I called Apple Law firm to help me with my debt problem. A friend gave me a number to call that she saw in a t.v advertisement. So I called and got set up. Signed contract and supplied creditors information, a Notary lady came to my house to sign papers. It was until recently I applied for a car loan and found out that all my credit accounts were in bad standing and on my credit report. I called the office and cancelled contract using XXXX as a way out. I sent a cancellation XXXX by fax, email and talked to office manager XXXX XXXX to cancel. I was not happy with service. I requested a refund for my money back and they customer service email account replied it can take XXXX. Copy of email in attachment ). 
Well that was 5mos ago. So I reported to XXXX XXXX, They sent XXXX correspondences within 4weeks on my behalf with no reply. Case closed. So now I am sending all my information in an attachment regarding emails, contract, and other notices. 
I even suspect Apple Law firm scammed IRS. I had my identity stolen and someone filed XXXX taxes using my social security number that I reported to Apple Law group on XXXX XXXX, XXXX XXXX XXXX XXXX who said she 'd make a note of it, Also, that creditors were still calling, harassing me at home calling multiply times a day. I have phone records to prove that.regarding my late accounts. .Apple Law group has never supplied me with any name of attorney they worked under even though it says in contract, business license, or tax id number. Only have spoken to " XXXX '', " XXXX '' possibly same person and Once to the Manager XXXX XXXX who I had to talk with regarding closing my account-contract. I NEVER received information on pending accounts or work done on my behalf. They received {$390.00} per month from my checking account. XXXX XXXX, I sent copy of sent XXXX statement with my address, and was told to change address with the New Address- Apple Law group XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX. Its in the contract. On XXXX XXXX, XXXX XXXX creditor called me to offer me a settlement on my account. I started to get suspicious but continued working with Apple Law. 
I 've been scammed. 
.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-09
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
Won't let me access my account has been almost two months. Binance US exchange is a fraud and looking to steal my funds. Only got one response and that was a month ago saying they moved it up to escalations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: FULTON FINANCIAL CORPORATION
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I entered a covid deferral under the Cares Act. My payment was due XXXX entered the covid deferral current. Fulton continued to add property management fees, driving by my house as if I was in foreclosure. In XXXX of XXXX I started communicating with Fulton about my options after the deferral ended. I did not receive information on my options until XX/XX/XXXX. I continued to call the special assets department and there assured me that my account was in good standing and I needed to wait for my new agreement to take effect. They would put the XXXX that was deferred to the end of the loan with no interest, waive late fees, continue to report me current, and I was to start paying my mortgage payment again, starting XX/XX/XXXX. I paid my mortgage through my bank on XX/XX/XXXX and it posted to Fulton on XX/XX/XXXX. On XX/XX/XXXX, I got my first notice from the credit bureaus that my account was reported as XXXX days past due by Fulton . They continue to send e statements that ask for the full XXXX balance which is again against the Cares Act. They are not allowed to ask for a lump sum at the end of the deferral. I followed the agreement that was sent to me XX/XX/XXXX. I have been in touch with special assets and loss mitigation over 40 times combined. In the last 5 weeks since being reported to the credit bureaus, I have called and called to ask for them to fix my credit. I am a new business owner. My business opened last month. I was counting on my great credit score to be able to get loans for the business. Instead Fulton caused my score to drop XXXX points and I no longer qualify for loans.

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 2021-09-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The bank called me and alerted me that I has some questionable transactions on my account. After going through the transactions over the phone with them, I noticed that there were other charges on my account that were not approved either. 

I submitted the claim and the entire claim was denied, because they didn't see any evidence of fraud on my account and they advised me to call each merchant to see if they can process me a refund. 

After calling the first company XXXX they looked up the information and someone under the name XXXX XXXX used my account number which I have no idea who that is. 

My frustration comes from the bank not doing their jobs properly, I made one phone call so far and got this information, the other difficult part is that I have no information to tell the merchants other than my debit card number and some of their systems aren't allowed to enter that 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 2021-11-29
Company: DISCOVER BANK
State: GA
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:
I co-signed on a credit card issued through Discover for my daughter. My income and credit score was used to approve the account. I was not notified that my daughter had failed to make payments and was not given the option to make the missed payments. My mailing address was used for the credit application and did not change at any point. I have not received privacy disclosures or any correspondence related to consumer protection notices. 

The account was marked as late over 30 days and negatively affected my credit score by XXXX points. Discover should not allow for only XXXX person to receive notices of late payments or privacy notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2020 I paid {$500.00}. I have a balance due of {$1900.00} after paying the {$500.00}. Prior to XX/XX/2020 I made smaller payments ; I lost my job and I was unable to make the payments. I called on XX/XX/2020 to make a payment and I was told I would have to make the payments to a collection agency in the amount of {$2300.00}. 
I asked to make monthly payments to cover the amount for {$1900.00} but they would not accept it. I believe the sent the debt to the collection agency prematurely and that they should work with me to continue paying on the debt. 
They destroyed my credit rating ; and the payments would have been made in larger amounts now that I have a job. 
Companies involved : XXXX University, XXXX XXXX XXXX XXXX, XXXX, MD 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 2017-04-05
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a refinance with my existing mortgage company. I asked for a loan of {$250000.00}. The representative XXXX reviewed information I provided and said he could do a loan for {$220000.00}. I said I did n't want a loan for that amount but the {$250000.00} so I could pay off debts and have a small cushion for home repairs. I told him I was planning to get a job and hoped to be starting soon. He said that we should start the process and when I started working he could re-evaluate the loan amount. Soon after I was transferred to another representative XXXX. I reiterated to her that I was seeking a loan for {$250000.00}. I have emails supporting these exchanges. I sent her more documents and when I started working I sent her evidence of the same. Finally I was told we were ready to do the final signing but she wanted to know how I would be paying my property taxes. I said she should just take them out of the new mortgage settlement. That 's when I discovered they approved a mortgage for {$220000.00} only. I was so angry. Nowhere along the way did they bring this up. None of the documents they sent me to initial or sign included the loan amount. They had plenty of opportunities to clarify this. They even misled me about employment. They now said they could n't consider my employment income until I had worked six months! They were playing me all along thinking I would just accept the final loan approval. I declined the loan after wasting so much of my time and money in sending faxes to them. This is deception in lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Due to financial crisis, we are behind in our mortgage payments. XXXX refused to take our mortgage payments. They jacked up our principal balance by adding up late penalties and legal charges. They agreed to modify our loan but added up the fore board charges which made the loan amount truly unaffordable, however, the property value appraised for {$600000.00}. The attached letter is self explanatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have an account with New York & Company/ Comenity Bank . I was on a payment plan from XXXX. I wasn't properly notified by via mail or email that my normal payments would resume. When I spoke with the customer service representative she informed me that I wasn't eligible for another payment plan to keep my account active and current. I keep getting calls from private numbers from them, rude customer service representatives when I speak with them. I called on XX/XX/XXXX and was questioning charges on my account that I didn't make. XXXX representative did in fact confirm that my last physical charge I made was on XX/XX/XXXX. When the current billing statement for bill due date on XX/XX/XXXX says : Purchases prior to : XX/XX/XXXX {$390.00} XXXX 25 % XXXX XXXX {$8.00}. Purchases prior to : XX/XX/XXXX {$46.00} XXXX 25 % XXXX XXXX {$1.00}. Purchases 25.9900 % {$79.00} with no date. I was referred back to customer support who I initially contacted stated that they do not have the ability to look that far back on my account to explain what said purchases for that amount was actually made for me to pay a total of {$550.00} with a credit limit of {$450.00}. Once I was making timely payments during the pandemic, I didn't see a significant change in my balance dropping. I did let the customer service rep know that I will not be making any payments on this account due to incorrect reporting of charges when it was confirmed that the last use for a purchase on this card was on XX/XX/XXXX for {$15.00}. So, where did these hundreds of dollars come from. When I get an explanation of those said charges I will be more than happy to make a payment. I will not continue to allow this corporation to put fraudulent charges on my account when I didn't make them. I haven't used this card in 2 years!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the XXXX. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the XXXX  to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX GA XXXX {$3600.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States XXXX has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within XXXX days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX  days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2023-04-10
Company: Experian Information Solutions Inc.
State: PA
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2022-02-18
Company: JPMORGAN CHASE & CO.
State: GA
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:
I set up an XXXX on XX/XX/XXXX in Georgia under the name of XXXX XXXX XXXX, XXXX. Owner about that date I set up a checking account and credit card account with JPMorgan Chase in XXXX XXXX. 
I had a personal account at XXXX Chase as well. I do not recall signing a personal guarantee, what would be the purpose and point of having an XXXX if you have to have a personal guarantee? 
I dissolved XXXX XXXX XXXX on XX/XX/XXXX at the XXXX XXXX XXXX XXXX. I closed my checking and credit card account on or hear that date. I had a balance on the card at that time. The balance on XX/XX/XXXX credit card of $ XXXX. The local branch ( Chase Bank located at XXXX Old Hwy XXXX, XXXX XXXX in XXXX Georgia XXXX. ) closed sometime in XXXX I believe. I contacted the XXXX to let them know I closed the account and dissolved the XXXX. They said I needed to pay or it would affect my personal account credit. I continued to pay and over the years fought at different levels, XXXX & XXXX. all to no avail. I asked for copies of what I trying to set up the accounts to prove there was a personal guarantee in it. They told me that those records were in the branch that closed and therefore they could not obtain them. I spoke with my attorney recently and he said that this was not true. 
I retired in XXXX of XXXX and simply can not continue to make the minimum payment. The current balance is {$6600.00} on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: IN
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:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Just recently, my credit score was greatly impacted from an inaccurate balance increase on my XXXX XXXX credit card this is causing me hardship and a stressful experience. 
This is the law and i want this resolved from reporting on all XXXX of my credit profiles from each bureau. Iv'e been charged interest rates that's been showing on my credit report as well. According to 15 USC 1681a ( 2 ) ( i ) Exclusions-Except as provided in paragragh ( 3 ) the term " consumer report '' does not include- ( a ) subject to section 1681s-3 of this title, an- ( i ) report containing information solely as to Transactions or Experiences between the consumer and the person making the report. These bluntly remarks are causing me denial of credit.

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 2021-09-21
Company: Medical Data Systems, Inc.
State: AL
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 ATTACHING A COPY OF A POLICER REPORT FILED AS WELL AS MY CREDIT REPORT. I DO NOT RECOGNIZE THE ACCOUNTS LISTED IN THIS REPORT AND FOR THAT REASON THEY SHOULD BE REMOVED DUE TO IDENTITY THEFT. THESE ACCOUNTS ARE PREVENTING ME FROM PURCHASING A HOME AND MY LINE OF WORK REQUIRES A CLEAN CREDIT HISTORY.

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 2023-07-21
Company: Experian Information Solutions Inc.
State: GA
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 60
4 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2022-03-28
Company: Westlake Services, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is a formal complaint against Westlake Financial Services located in XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Westlake Financial Services has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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