BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In late XXXX and early XXXX I fell behind on payments on our home mortgage with Wells Fargo Home Mortgage. Beginning about the XXXX  of XXXX I began making payments to catch up. Between then and XX/XX/XXXX, most months I made 2-3 monthly payments. In XX/XX/XXXX, WFHM abruptly blocked me from making additional payments in that manner, instead requiring that I pay the entirety of the past-due payments at once -- at that point, the equivalent of 4-5 months of payments. I was unable to do so, and the outstanding balance began to accumulate.

That began a nearly 4-year loan modification odyssey that is nothing short of a Catch XXXX XXXX. The loan was finally modified in the late summer of XXXX after innumerable document submissions and phone calls. This process cost me significant legal fees and, more importantly, was materially adverse to my 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 explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: NC
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:
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX, US Dept ed : XXXX XXXX, XXXX : # XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 non-monetary relief
Consumer complaint received 2022-04-20
Company: Constar Financial Services, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Due to covid I am experiencing extreme difficulties with this debt I was in an accident on XX/XX/XXXX XXXX where I was struck by a car on the driver side of my Vehicle. My car was deemed a total loss, my insurance was actively pursuing the car that hit me insurance until ally finical closed my account and has written the account off as profit loss. I have sent XXXX finical emails and letters to only get no response by the letters, no response by emails and to only to only get re directed to a 3rd party company by phone who now has my account for any answer in regards of my credit being affected and to pay off the account amount. Since XXXX has written the account off as a profit loss they will not respond to be me and will not teat me like a customer I was before. I have paid my car note on time regardless of the car being totaled loss every month until my account was closed as profit loss by XXXX When I contacted the 3rd party company Constar finical, they insisted that they could not speak to me in regards of my credit and that I needed to pay them the remining balance. They offered me a settlement and told me that I needed to pay the settlement in order settle my account with ally. I have been trying to contact XXXX directly and keep getting re directed by them back to this 3rd party company that is demanding me to pay almost XXXX in a settlement. I have recently paid Constar finical on XX/XX/2022 amount {$500.00} and on XX/XX/XXXX, to Constar amount {$1000.00}. They have yet to send me any kind of receipt or email stating what I paid for nor the amount reflecting the changes. The only way I can see the payment is on ally finical account. I can not see the taxes or fees nor the contract of the settlement Constar finical has written or charge me. I then told them that I will need to set up different or smaller payment arrangements due to covid. Constar then told me my settlement would be voided and that the agreement would be off. Yet they continue to call but I am not allowed to speak with someone from ally in regards of my account being charged off and deemed a profit loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: DE
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 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 2023-05-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was able to buy a house by myself in XXXX with then, XXXX. Depending on the employer, etc I have had struggles over the years, but have remained in my home. Then when I was involved in XXXX XXXX XXXX XXXX XXXXXXXX and was not able to work, I fell behind and requested loan modification from Wells Fargo. While in progress, they sold my loan to a registered investment advisor located in XXXX XXXX, CA. ( XXXX  ) without notice. After living in my home for 16 years, they filed for foreclosure ( during the pandemic in XX/XX/XXXX ) after owning my loan for approximately 90 days. They played the shell game within their multiple companies. The HUD hosing counselor that tried to help me said she has never seen anything like it and I should file complaints against them. I contacted the SEC, and every regulatory body without assistance. I contacted XXXX XXXX office without assistance as well. My complaints to CFPB, FTC & Florida Office of Financial regulation with no actions to support me as the consumer. Even the SEC told me to file a complaint and I have. 
I have submitted numerous complaints regarding Wells Fargo and their practices as my mortgage servicer. XXXX, XXXX, XXXX. When the CFPB fined Wells Fargo, I was told that they were giving Wells Fargo the opportunity to reach out to the affected parties which is inherently a conflict of interest. Wells Fargo has corresponded and acknowledge the misapplication of mortgage payments. Wells Fargo has violated Federal laws and did not apply my payments when received in order to charge late fees. Wells Fargo sold my mortgage to an XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) masquerading as a mortgage servicer ( XXXXXXXX XXXX XXXX XXXX  ) who failed to verify the debt information received from Wells Fargo ( which was inaccurate ). I had an attorney send a request for verification of debt which they did not answer and moved forward to file for foreclosure although I only owed {$1200.00} at the point they assumed the mortgage from Wells Fargo. XXXX They cited that Wells Fargo gave them my records that showed I owed 5 times that amount. I have called Wells Fargo regarding the recent ruling from the CFPB and why I have not been contacted. Why would the CFPB expect the company that broke the law to now contact all affected parties and make them whole. As of today neither the CFPB, nor Wells Fargo has not contacted me regarding the matter.

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 2023-04-08
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Date XX/XX/2023 Balance XXXX Called the company multiple times and have just been getting transferred around. Unable to get anyone to assist me. 

Account with discover was closed by Discover with no warning. Received email saying unable to verify personal information never received any emails, phone calls or letters asking me to verify info. Info hasnt changed since account opened. 
I have never struggled with the account, never had late fee nor missed payments. So I dont know why they closed my accont which was my primary credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: John C. Compton PC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a letter from XXXX XXXX XXXX Attorney at Law XX/XX/XXXX demanding payment for debt within 10 days for debt that was already paid in full to Client XXXX XXXX. 

Responded by certified Mail XX/XX/XXXX Via United state postal service. certified mail XXXX XXXX XXXX XXXX XXXX Disputing the debt and requesting documents for all work, work orders, contracts, payments to be sent to me and validation of payments. I sent this within the 10 day and disputed owing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX any remaining balance. I requested the work orders, payments, change orders or any correspondence to be sent to me. I asked for documentation that debt was owed since i had already paid in full. I Wrote them in the collection dispute letter for written verification. 

On XX/XX/XXXX XXXX XXXX XXXX Attorney at Law filed a false Lien on my property, There is no money owed, they have failed to provide documentation for all payments made, all contracts signed and documents requested. By Continuing to attempt to collect on this debt and filing false lien without providing the documentation Violated the Fair debt Collection Practices Act. We still have not received this documentation. Also the statement of Account verification was made up and not signed by contractor or business but in fact signed and executed by attorney and does not reflect a accurate account of debt because we have paid this to XXXX XXXX and XXXXXXXX XXXX XXXX 

On XX/XX/XXXX I send a 2nd request and demand for documentation of all Signed contracts, work orders, payments, Agreements and ledgers showing any work provided by company from XXXX to XXXX current. We sent this certified mail via United States Postal Service again Certified mail XXXX on XX/XX/XXXX I received a phone call from XXXX that threaten me and telling me he was going to mess my credit up and made some very nasty comments. He claims i owed debt i do not owe and that he was reporting to my credit today and refused to give me his name or company name so i could also file a credit dispute letter. He kept telling me how he was going to harm my credit and ended up hanging up on me i told him i disputed this and needed verification. i called back and they didn't didn't want to give me name or address to file a credit dispute and request but after XXXX  believe they are with XXXX. 

XX/XX/XXXX also sending Debt collection dispute letter Via email and certified mail

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern This letter shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

For the record, the following information is being erroneously included on my credit report. If you do not immediately remove this fraudulent and incomplete information, I will file a formal complaint with the CFPB. Furthermore, I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you. 

Incorrect Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$460.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1800.00} Inquiry : XXXX XXXX, XXXX XXXX, XXXX Please block this fraudulent information per sections, 615 ( f ) and 623 ( a ) ( 6 ) 15 U.S.C 1681 section 602 A of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my Credit File under federal law ; you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2023-02-20
Company: Experian Information Solutions Inc.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I closed my account with XXXX XXXX because they gave my card information to Total AV on the internet without my permission or knowledge, and because if this, Experian lowered my credit score by XXXX points while at the same time trying to get me to purchase products on their website to increase your credit score, a blatant act of conflict of interest. Experian 's act of lowering my credit score also stopped me from being able to purchase an auto. Experian has also not gone through with a dispute that I made about a company called XXXX on my credit report, a company I know nothing about. I had to try to dispute this company a second time. 
I am complaining about Experian holding me XXXX by controlling my credit score while at the same time trying to get me to purchase products to increase a credit score.

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 2023-01-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( XXXX ). ( A ). 

XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Thousands of dollars went missing shortly after opening a checking account with Wells Fargo national bank XX/XX/XXXX. on XX/XX/XXXX I received a notice for collection because my account was closed with Wells Fargo and I was indebted to them for {$310.00}. I am unable to open a checking account with any bank because of this. 

I noticed several issues when I opened my checking account. 
1- I was pressured to open a savings account as well at the time of opening my checking account. I never wanted a savings account, yet the employee opened one anyways. 
2- I was unable to access my account for at least a week after I opened it. When I inquired - the response I received was that the online system is down and I would not have access to my account. 
3- During the period my account was open, I noticed my address listed on the account was an old address when I used to live in Ohio XXXX However, I opened this account in Florida and have n't moved back since. 
I believe there was grave mismanagement of my account by Wells Fargo and I am requesting an investigation. This mismanagement has caused my account to incur overdraft fees because of bounced checks, late fees, and overdraft fees. 
My repeated requests to Wells Fargo went unanswered.

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 2023-02-23
Company: EQUIFAX, INC.
State: NC
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 is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX OK XXXX ; XXXX XXXX Balance : {$820.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$57.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Resource Management Group
State: SC
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I got a call from XXXX on XX/XX/XXXX, Employee ID XXXX contact XXXX or XXXX. Case number XXXX. That if I did n't pay the full amt of {$1400.00} or {$340.00} that there would be fraud charges filed. I told him that I called XXXX the day the check was due and spoke with the location manager, and told her that I would be in on XXXX to pay the check because I was still at work. She told me she was going to deposit the check no matter if the money was there or not.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation