BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-13
Company: Mobiloans, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
To ( XXXX ) XXXX XXXXXXXXXXXX XXXX/XXXX/2015 at XXXX XXXXThank you for your patience and assistance. 

Per supervisor XXXX in account services, the XXXX executive I spoke with hung up on the customer after she provided XXXX different telephone numbers twice ; the Mobiloans male executive violated FDCPA and FTC protection rights of one of Mobiloans ' loyal customers. The previous email is a foward from Mobiloans customer service department including the voided check the supervisor asked the customer today at XXXX XXXX central time to resend to the Mobiloans account services department for account number XXXX regarding the new banking information being submitted on XXXX XXXX, 2015. 

Per supervisor XXXX the system has not updated the checking account information via voided check and authorization form sent from XXXX XXXX, 2015 - XXXX XXXX, 2015. Per supervisor the system was unable to take payments customer scheduled and that the system deleted both payments set up online for XXXX/XXXX/15 and XXXX/XXXX/15 due to this system error. Per supervisor any and all late fees will be removed due to this issue and the phone collection calls being a result of a system error. Per supervisor any delay of the update of the new bank account information sent in beginning XXXX XXXX, 2015 to XXXX XXXX, 2015 will be corrected in the system for account number XXXX within 24-48 hours per recording. The customer will be scheduled to pay only the minimum balance on the next due date of XXXX/XXXX/2015 per current online account. 

Per supervisor XXXX, customer support will be contacted to recorrect point system to show customer as an on time paying customer and restore stolen loyal customer discount credits voided during company system error. 

Thank youAccount Number XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-11-15
Company: CCS Financial Services, Inc.
State: SD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have spoken with the collection company multiple times that this debt does not being to me. It is a result of a work injury, they told me I had no choice but to pay the debt, I have been fighting with work comp. They should pay the debt, since this has happened they have garnished me back Account twice. I am working with the department of labor to get things straigened out with work comp.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from XXXX XXXX XXXX XXXX XXXX Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE A CERTAIN SUM OF MONEY PAID ON DEBT ) upon seven ( 7 ) days of receipt of this notice. I am also requesting the governing Trust Instrument. Thank you for your prompt consideration and understanding of the agreement in good faith. 

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 explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-19
Company: WELLS FARGO & COMPANY
State: NJ
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:
received a copy of my credit report and found some serious violations of the FCRA. 
It is illegal for the original creditor which is Wells Fargo Dealer Services to Re-age a negative account that has been closed for years!!! This Account has been re-aged from the original first last date of delinquency and closed date!!! This account was closed and reopened without any consent or notified to me. This a serious matter and violation of the Fair Credit Reporting Act. I'm not playing with this erroneous errors on my credit report and will not allow you to violate my rights as a consumer. I am also filing a complaint with the Federal Trade Commission. 

WFDS Account Number : XXXX Please delete and remove from my credit report 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 explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: CA
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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. XXXXonsumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In the month of XX/XX/2021, multiple inquires were added to my account. This was completely unauthorized and done without my knowledge or permission. As a result, my credit score has dropped significantly for something i did not authorize or do. I have no idea where these inquires came from because i never inquired about anything in the month of 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 2021-05-13
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am currently on the IDR plan under PSLF. I have been tracking my payments counting down to my 120 payments. In XX/XX/XXXX when submitting my income recalculation, I also submitted bank statements from all payment made as the # of payments made are off by 4. So I requested my payments to be recalculated. As no progress had been made when I submitted for income recalculation in XX/XX/XXXX, I again submitted request for payments to be recounted as the XXXX payments listed below still are set as not qualifying. 
XX/XX/XXXX for {$190.00} XX/XX/XXXX for {$410.00} XX/XX/XXXX for {$350.00} XX/XX/XXXX for {$680.00} These are listed as non qualifying but yet were auto withdrawn from my account. 
I have spoke with employee # s listed below asking for updates. 
XX/XX/XXXX : # XXXX XXXX which said its pending review. 
XX/XX/XXXX : # XXXX XXXX. Said still needing review XX/XX/XXXX : # XXXX XXXX. Said recalculation were approved. 
XX/XX/XXXX : # XXXX XXXX. Said submitting recalculation for dated and payments listed above. 
XX/XX/XXXX : # XXXX woman said it is still pending and there is no time frame when will be completed. 
By my calculations I will hit my 120 payment XX/XX/XXXX. I am wanting to make sure that my payment are counted before my deadline or I will be making extra payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a auto Loan with Wells Fargo Dealer services which started in XX/XX/XXXX. I have always paid more than the monthly installment of {$240.00}. In a few months, I enrolled in autopay. In XX/XX/XXXX, received a call that I have missed a payment for XX/XX/XXXX. I was surprised and told them that I had auto pay. I was told that they did not see an autopay, while I had selected the option, entered the bank details, etc and done the needful. I tried to explain to representative from the bank that it was a processing error on their end. And was told that if I paid, everything would be okay. I did as was told and since then, have mostly paid more than the required monthly on time. 
IT IS WORTH MENTIONING THAT SINCE THEN WELLS FARGO DEALER SERVICES HAS DONE AWAY WITH IT ARCHAIC WEBSITE AND INTEGRATED INTO THE UPDATED CONSOLIDATED WELLS FARGO WEBSITE. 

More recently, when I looked at my credit reports, this loan account where I had paid as required ( and often more ) is marked as " potentially negative '' due to this XXXX late payment ( XX/XX/XXXX ) generated due to malfunctioning of the payment platform. This is negatively impacting my credit score and my ability to seek credit from suppliers for my new business venture. Although, I was not aware at that time, but this would have also impacted the decision of employers, lenders, etc. in the past. 
Yet my only humble request is to consider this issue and remove negative check from my payment history, so I may not suffer further due to this issue.

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 2023-05-17
Company: Home Point Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My prior mortgage servicer ( HomePoint ) made a mistake when calculating my escrow balance needed during the year 2021. They have since admitted to this mistake to my current mortgage service provider. This caused an overage in my account in which they refunded to me that year as well as me paying insufficient amount due to their miscalculation. During the next fiscal year, my load was sold to XXXX, who assumed all the obligations and payment info with no checks into the balance of the escrow account. During XXXX 's yearly escrow analysis they noticed the escrow discrepancy and informed me of the severe shortage. I reached out to them and they informed me that the cause of error was in fact done at HomePoint. Through their complaint process we reached out to HomePoint to rectify the situation and refund the amount they admittedly miscalculation but have since neglected to rectify.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Account was closed after I was scammed with a bad check. Was told that my funds would be mailed via check and not to go into a branch. 2 weeks later, I still have not received my funds.

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 2022-02-20
Company: Selene Holdings LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I did a cash out refinance for my property at XXXX XXXX XXXX in XXXX XXXX TN. This took place in XX/XX/2021 through a company called XXXX XXXX. My loan was sold to a company called Selene Finance. I have payed all payments on time. However, my city taxes have not been paid. I have also spent hours on the phone begging for a mortgage statement by email or USPS. I still have not received a single statement. This has made it incredibly difficult to close the mortgage on a new family home that Im financing through a VA loan. There are also countless reports of fraud and forced foreclosure through Selene finance. This company is a complete sham and refuses to provide the most basic mortgage services although theyre legally required to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Resurgent Capital Services L.P.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: Pinnacle Asset Management, LLC
State: NV
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are calling my work, friends, coworkers and saying they 're garnishing my checks and putting a lien on my home. They are calling everyone multiple times a day and refuse to send me proof of the debt. Also stating tbey served me papers in XX/XX/XXXX, for a debt from XX/XX/XXXX that was discharged.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-15
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I was approved for the Barclays Wyndham Rewards XXXX XXXX credit card on XX/XX/2022. At the time of approval there was a welcome offer for XXXX bonus points after spending {$2000.00} in the first 90 days. I met the minimum spend requirement on XX/XX/2022. I confirmed with Barclays via Secure Message that I met the minimum spend requirement on XX/XX/2022. They stated that " the bonus will be reflected on the billing statement after you have qualified to earn the bonus. '' My statement closed on XX/XX/2022 and my bonus points were not there. I followed up again with Barclays via Secure Message on XX/XX/2022 and they said " the XXXX bonus points will be earned 6-8 weeks after XX/XX/2022. '' I called Barclays customer service on XX/XX/2022 and spoke with a supervisor and they said they have done everything they can on their end and now it is Wyndham 's responsibility to add the points. I called Wyndham Rewards today and they are saying it is Barclays responsibility.

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 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am writing to dispute the inaccurate information that continues to be reported on my credit report. Despite multiple attempts to dispute this information and provide evidence to support my claims, XXXX, TransUnion XXXX XXXX has continued to failed to conduct a proper investigation and update my credit report with accurate information, as required by law. 

I am specifically referring to the XXXX XXXXXXXX XXXX Acct # XXXX which has been incorrectly reported on my credit report. Despite providing evidence that this account is inaccurate and inconsistent, it continues to be reported on my credit report, negatively impacting my credit score and livelihood. This account is reporting different last date active, different last payment payment dates, and all have different payment history reporting when theyre all supposed to be reporting the same information accurately Furthermore, I believe that XXXX XXXX TransUnion & XXXX has violated the 15 USC 1681i law on numerous occasions by failing to conduct a proper investigation into my disputes and continuing to report inaccurate information on my credit report. This is not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but it has also caused significant harm to my mental state and livelihood. 

I demand these organizations delete this inaccurate account as required by law for reporting inaccurate and incorrect information. I also demand that these organizations compensate me for any damages caused by their failure to comply with the FCRA and other relevant laws. 

If I do not receive a satisfactory response to my dispute within 30 days, I will be forced to pursue legal action against your organization for violating my rights under the FCRA and other applicable laws. 


Thank you for your attention to this 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 non-monetary relief
Consumer complaint received 2022-02-20
Company: Convergent Resources, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a debt collection letter from XXXX for XXXX XXXX ( not a real company ) sent to my po box mailing address from Convergent regarding a debt for {$550.00} bucks I have no association with. This is fraud and needs to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: EQUIFAX, INC.
State: PA
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:
There is a incorrect hard inquiry showing on my credit report for Equifax. 

XXXX - XX/XX/XXXX Two letters were sent from the company, XXXX XXXX XXXX, who confirmed this was done in error since I do not have any accounts with them. 

Equifax mailed a dispute letter incorrectly stating that the inquiry did not reflect on my report. 

However, that is false since it is listed as XXXX on my report from XX/XX/XXXX. 

I would like the matter to be resolved by removing the inquiry off my file since the company has confirmed this and so have I. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently noticed the following collection account on my XXXX AND XXXX consumer credit report : ENHANCED RECOVERY SERVICESXXXX XXXX {$1100.00} This account was previously disputed but to date, I never received DOCUMENTARY EVIDENCE from credit bureaus nor creditor proving the dates and amounts are accurate and proof that I have a signed agreement with said creditor. Please note that copies of statements are not valid proof of a dispute. 

The above mentioned credit bureaus failed to provide me with the following prior to listing said collection on, y credit file : Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. Acts to regulate commerce means subtitle IV of title 49 and the Communications Act of 1934 [ 47 U.S.C. 151 et seq. ] and all Acts amendatory thereof and supplementary thereto.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Its always on a recording saying CBE group and when I try to return the call nobody picks up but they call every day every Sunday its annoying

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: Experian Information Solutions Inc.
State: FL
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 FILED DISPUTE IN THE REGARDS THE TO THE INCORRECT ITEMS ON MY CREDIT REPORT.ITS HAS BEEN WELL OVER 30 TO 45 DAYS AND HAVEN'T RECIEVED ANY INVESTIGATIONS RESULTS. { ACOOUNT NAME 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 2017-04-06
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card
Issue: Rewards

Complaint:
XX/XX/2017 Called Wells Fargo credit card company spoke to XXXX, I asked about the interest I was being charged on my account he told me the % amount. I asked for the dollar amount, he did not answer. I told him I want to close my account, he stated well I guess you do not want your XXXX rewards points, I said yes I do, how can I apply that to my account pay off. He stated " to late I already closed your account ''. I asked to speak to supervisor, I started cursing and XXXX said your account is closed and hung up. I called back, I spoke to XXXX ; customer care services, I asked him about my rewards points being applied to my account. XXXX said it takes 2 to 3 days to process the last payment I made and close the account, he ask me why I was closing my account. I told him, the several times I called in XX/XX/XXXX, to ask the amount I need to pay to not pay interest, I was told a different amount each time, which I paid and not told what amount of interest I was being charged.Then he said that my account was already closed, 2 days ago and no way of knowing how many reward points I had. I told him XXXX rewards points, I told him I did not call their company 2 days ago,. XXXX stated that he did not know why the closing of my account was back dated to 2 days ago. I said a cuss word, XXXX said he would have to hang up if the obsinities continue, I told him I did not close my account 2 days ago. XXXX said he was not able to do anything, and hung up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief