BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-26
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX, America Service Company ( ASC ) which is owned by Wells Fargo Bank N/A stated that Wells Fargo in the investor of the loan dated XX/XX/XXXX, loan # XXXX. Now, per a letter that we received form ASC on XX/XX/XXXX, dated XX/XX/XXXX, ASC stated ; " resolution to the inquiry about account number XXXX, based on our research, we 've determined your account was handled appropriate and no adjustments are needed ''. ASC further stated " that we can confirm that your account originated in XXXX XXXX with XXXX. The loan was paid in full on XX/XX/XXXX ''. Now ; how can ASC/Wells Fargo state that our account was handled appropriately when XX/XX/XXXX, this note was paid off but ASC/Wells Fargo failed to reflect that this note was paid in full and that Wells Fargo is not the investor? ASC/Wells Fargo stated in a previous letter that they are the current investors of our loan when in fact, they are not the current investors. So, was ASC/Wells Fargo trying to commit fraud and collect payments on this loan when they are not the current investor?

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 2021-02-16
Company: EQUIFAX, INC.
State: MA
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:
CFPB, This is my fourth dispute over the past couple of months I have file in regards to Equifax, XXXXXXXX and XXXX violations and none compliance of the Fair Credit Reporting Act. Equifax, XXXX and XXXX continue to use stall tactic to not delete the inaccurate information on my XXXX XXXX XXXX account for the month of XXXX. Equifax continue to request information from me to prove my identity. I have on multiple occasions provided the complete requested information to prove my identity to Equifax most resent on XX/XX/XXXX. I have provided my drivers license showing my name, home address alone with my XXXX W2 form showing my name, home address and SSN to Equifax. 

CFPB, Equifax in my last dispute with this inaccurate account has used stall tactic accusing me of being a credit repair company and now for the second time they are stalling and refusing to delete this information by requesting information for my identity that I have provided multiple times to Equifax, XXXX and XXXX through my dispute with CFPB website I have provided the information requested multiple times. I have file other dispute resently with Equifax and have received response at my home address at XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX. Equifax knows my identity this is willful stall tactic to not delete this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX in the amount of {$1400.00}, has violated my rights. XXXX XXXX in XXXX amount of {$0.00} has violated my rights. XXXX XXXX XXXX XXXX in the amount of {$3800.00} has violated my rights. XXXX XXXX XXXX XXXX in the amount of {$800.00} has violated my rights. XXXX XXXX XXXX XXXX in the amount of {$810.00} 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 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 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 2015-04-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
We finance a bed bought at XXXX in XXXX 2014. We return the bed and upgraded to a different bed in XXXX 2014. Originally there was no interest for 3 years. Since we returned our other bed and upgraded to a different bed, there was a additional cost of {$610.00}. finance for 6 months. 
Wells Fargo does combined billing on XXXX statement which is confusing and a little deceitful to the consumer, so now we are having to pay finanace charge on the 6 month portion. If we would have known, and the billing was billed separately, we would have paid that part off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25
Company: Medical Data Systems, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We make payments of {$200.00} a month and they still call us and report that we owe more then the a month we do. They never subtract what we have already paid them. Its always {$3000.00} plus dollars and we been paying for several months now.

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 2023-05-03
Company: Viking Client Services
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Viking Client Services , LLC contacted me stating that a XXXX XXXX  was miscalculated and that I owe XXXX {$57.00} and it has been escalated to Viking to collect it. I have never rented from XXXX. I asked them to send all the documentation to my work email, which has a strong phishing and spam filter. After I hung up, I called XXXX and they could not find my name nor my license in their systems. I received the document from Viking shortly after. It stated that I rented a XXXX  XXXX  in XXXX XXXX, CA on XX/XX/17. I was in New York. It shows my name and an unknown credit card from XXXX XXXX. I called XXXX XXXX to verify the charges and they could not find a matching card and charge and stated that this was spam or a scam. I called XXXX back with the information on the document and they said it was filed falsely. The case number from XXXX is XXXX. I will only attach a screenshot of the document as the file may be infected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 agencv can not furnish a account without my 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 2022-08-11
Company: ENOVA INTERNATIONAL, INC.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received an online loan, Cashnetusa. I requested {$500.00}, but they would only approve {$1100.00}. I called asked my payment amount monthly and was told they couldn't tell me until deposit was made. Afterward was told payments would be around {$420.00}, with only {$100.00} something would go toward principal and over {$300.00} toward interest. I'm on XXXX and there's no way I can pay that amount monthly out of my SS benefits. It's crazy to think I'd accept that loan knowing I'm only paying back interest. I'm going to pay back their loan amount hopefully within 6 months and adding only {$300.00} interest. They will just have to sue me, because I was thinking payments would be reasonable. I'd be paying them forever with their payment arrangement. I'm willing to face the consequences because this is usury.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: MoneyLion Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXXXXXX ) has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 furish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2021-07-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
A {$49.00} charge was made to our credit card through USAA on XX/XX/XXXX. Ordinarily, my wife and I never use this card, but it was linked to our XXXX XXXX account and inadvertently charged. That was our fault, of course. 

Previously, in XXXX, we had transferred a balance to that USAA card and set up a monthly charge using USAA 's autopay feature. That continued until the balance on the card was ultimately paid off in XX/XX/XXXX. However, around XX/XX/XXXX, when notified by the USAA app that an autopay charge was about to be incurred, my wife used the USAA app to increase the amount of each monthly payment. This continued until the balance was fully paid. However, evidently, increasing the payment amounts each month -- when prompted to do so -- resulted in a cancellation of the monthly autopay without any warning and without our knowledge. 

Between XXXX and XX/XX/XXXX, there were no charges incurred on the card until XX/XX/XXXX, when the {$49.00} charge was incurred. USAA sent a statement on XX/XX/XXXX via email that shows the charge, but I likely did not even bother looking at the statement -- and I certainly didn't worry about it getting paid -- because I reasonably assumed that the autopay feature was still enabled. However, today I discovered that it was not, in fact, automatically paid, and I have concerns that the late payment was reported to a credit reporting agency. 

After spending more than an hour on the phone with USAA representatives, they refused to take any responsibility for the fact that their app disabled the autopay feature without notifying us or to assist in correcting the credit reporting error for late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX and TransUnion shows national credit systems opened XXXX. XXXX without my consent which is in violation of 15 usc 1681 improper use of my personal information without my written consent I have asked for the account to be verified and a proper investigation was never fulifuled.

I have never signed a contract with this company nor supplied this company with none of my personal information nor given permission to use any of my personal information not only are they in violation of my privacy 15 usc 1681 they are in violation of 15 usc 1681 for not providing complete and accurate information to all three of the credit reporting agencies XXXX shows a XXXX month term with months of late payments and a past due amount on a charged off account meanwhile TransUnion is reporting the account open with no payment history and no past due amount both reporting agencies updated reports was in apr XXXX which show incomplete and inaccurate 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 non-monetary relief
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. CXXXX, XXXX XXXX XXXX XXXX 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 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 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 2022-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife and I applied for a loan modification with Bank of America due to ongoing medical expenses becoming too expensive. My wife 's illness comes with a lot of expenses so we reached out and applied to see if we could lower our payments. We were assigned a direct contact, XXXX XXXX XXXX XXXX XXXX XXXX We submitted all the paperwork and answered all the questions. The loan modification approval came back but they wanted to INCREASE our payments, not decrease. We were shocked and disappointed. I asked XXXX why the payments would be higher when we were trying to lower them. She had no good explanation. I asked if she could reveal the terms but she told me she could not tell me any of the terms. We had to accept the modification and pay the XXXX trial payments in order to find out what the new terms would be. This seemed like predatory lending to me, why would a family accept a higher payment without being disclosed the terms? Either way, on that same call we politely DECLINED the offer and agreed to continue paying our regular mortgage payment. Now to my surprise, my mortgage statements are saying that we are participating in a loan modification and to pay the higher amount. I will include a copy of this. I have called and left XXXX detailed messages for XXXX XXXX and she has not returned any of my phone calls. Not only did Bank of America not assist us in reducing our payments to make them more affordable, but they want to increase it without sharing the details. We DECLINED the modification but our statements say something else. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On or about XX/XX/2022 XXXX was contacted and I explained my situation of unemployment and no income due to being medically disqualified to continue my 25 year career by a federal agency. I requested auto pay option be stopped as well. I thought my card ( s ) and account would be suspended without penalties due to my situation ( best scenario for everyone involved I thought- my card had about a {$1100.00} bal ) instead 40 years total of employment and credit building all down the tubes.Documentation was declined/refused and only response I received was " you still have to pay and on time if no penalties '' I reminded them of no income, and the response was " we have a payment plan '' Same as my former employer-punished and penalized for being sick. It's sad that this country has become so sadistic and inhumane and heartless. Every one gets dealt bad situations. Worst part, the people on the opposite end of my situation if they get in a similar situation will expect everything in their favor and it still wouldn't be enough. I'm not asking for freebies, just a realistic amount of time ( up to social security etc... not to be punished. I guess I'm supposed to rob a bank or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to appease them. For the record, this one is funny. They are from XXXX but show up local but say to call a different number. All are always robo calls. Is this so they can say they are not calling daily?

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 2020-07-22
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've continue tried working Experian to remove XXXX XXXX off of my credit file because it doesn't belong to me. But they continue to update instead of removing. I have no knowledge of this account on what Experian is reporting to me. I dispute the items and it updated within a day or two showing that they are taking it in their own hands updating the account. I ask for verification such as ID or signature for proof and verification. I get not result. I complain of there reporting schemes. What do I do when this company keep reporting false information about me? Please help resolve this issue. Did dispute XX/XX/20 results came back XXXX/XXXX/20 no changes or removal of false 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 2023-11-19
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the validity of an account that you have been attempting to collect on my behalf, which I believe are time-barred under the New York State statute of limitations for debt collection. The account in question is : Wells Fargo Card Service As per my understanding of the New York State statute of limitations for debt collection, which is three years, the aforementioned accounts have exceeded the applicable time frame for legal collection actions. Therefore, I am requesting that you immediately cease all collection activities related to these accounts and remove any negative reporting from my credit files. 

Please note that I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Pursuant to the FDCPA, it is illegal to engage in any deceptive, unfair, or abusive practices in the collection of debts. Furthermore, the FCRA mandates that the information reported to credit bureaus must be accurate, complete, and verifiable. 

I kindly request that you take the following actions : 1. Cease all collection activities, including phone calls, letters, and any other form of communication, regarding the above-mentioned accounts.

2. Remove any negative reporting associated with these accounts from my credit files with all three major credit bureaus : XXXX, XXXX, and XXXX. 
3. Provide written confirmation within 30 days of receiving this letter that you have ceased all collection activities and that you will no longer report these accounts to any credit reporting agencies.

Failure to comply with this request may result in legal action being taken against your agency for violation of the FDCPA and the FCRA. Please be advised that I am prepared to pursue all available legal remedies to protect my rights. 

I expect your prompt attention to this matter. Please consider this letter as a formal dispute and a request for validation of the accounts in question. I request that all future communication regarding these accounts be conducted in writing and sent to the address listed above. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained to your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying these accounts have been verified. If you do not have any documentation in your file to verify the accuracy of these disputed accounts than please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). Under the FCRA 15 U.S.C 1681i, all unverified accounts must be promptly deleted.

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