BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-27
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On Monday, XX/XX/XXXX and Friday, XX/XX/XXXX, I called Wells Fargo to talk about options for mortgage payments. I have a XXXX XXXX XXXX XXXX working with XXXX at XXXX XXXX. Obviously, I am unable to hold XXXX  XXXX and thus unable to earn my usual income. I wanted to defer my payments for three months and have them added to the end of my loan as other banks are doing. After waiting on hold for over an hour both times, I was told that Wells Fargo would not be offering deferral of payments at this time. I was given the vague option of paying less than the amount due without risk of late penalties, but not given an answer as to what this would me to me after the three month period. Very clearly, I will not be able to make up for missed payments at the end of three months, nor do I want to have higher monthly payments going forward. AT the very least, this bank should be able to tell me exactly what they are offering in the way of assistance during this time of crisis. This a perfect example of a large corporation having zero compassion and concern for their customers. Please force Wells Fargo to provide deferral of mortgage payments to those of us adversely affected by lock-downs.

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 2021-08-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had a mortgage with Fifth Third bank since 2011. On XX/XX/XXXX, I refinanced with XXXX XXXX. Ohio had a three day cooking off period where I could change my mind so on XX/XX/XXXX, XXXX sent a payoff check to Fifth Third via XXXX. 

On XX/XX/XXXX, a XXXX XXXX at Fifth third signed the receipt from fedex for the check. 

On XX/XX/XXXX, I noticed that the payoff check had not been cashed by Fifth Third. I verified with XXXX that the check had been sent/received by Fifth Third and that it had not been cleared.

I immediately contacted fifth third to see the status of the check. I contacted them again on the XXXX and the XXXX ( all via their mobile chat ). I provided the name of the person who signed for the check al XXXX with the fedex tracking number. 

On the XXXX they said they had submitted a research request to find out about the check. They said they would get back to me in four business days. In the meantime, I went ahead and made my XXXX Mortgage payment to avoid any chance of a late fee. 

Four days later, I still had not heard from them. I contacted them again today ( XX/XX/XXXX ) to check on the status. They have provided zero update on the payoff check or any actions they are taking but said they have mailed me a letter asking for more information. There is no more information for me to provide and I am extremely concerned that they are holding my XXXX payment as well as charging me more interest. 

They have not given me any information on my check and are now saying I need to wait for some mysterious letter in the MAIL to give them more Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Tormey Bewley Corporation
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX, In XXXX, NM, Trying to Collect a Debt Owed to XXXX XXXX XXXX for {$2200.00}, I had them listed on XXXX XXXX XXXX Who Was Making Payments for me Since last year, I Just found out that the XXXX XXXX XXXX XXXX, Didn't Take me Out of Collections and After Paying off 30 % of the Bill, That they Were Collecting on Over {$3000.00} dollar 's! So I have Stopped Paying them, Because they are extorting money from me for more than I owe on the debt, This is Illegal and I don't know who are how to do anything about this! But I Want This Debt Ended for What I Have Already Paid and if Necessary Charges Brought Against them for Fraud and Extortion,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: CORELOGIC INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I see a few inquires on my account that I did not consent to. XXXX XXXXXXXX XXXX XXXX. 
Credco XXXX. XXXX XXXX. XXXX XXXX. I called to try to get these items removed and after staying on hold for more than 45 minutes, all the companies did was be rude and give me the run around. The inquires should be removed from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I asked the company to delete the collection account in XXXX  and they refused to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company, Resurgent Capital Services/LVNV Funding, is practicing unfair, deceptive and misleading practices. They are in the business of selling and obtaining personal information which is an infringement of my right to privacy under Chapter 41 Title 15. Other violations include harassment, unfair, deceptive and misleading practices under Title 15 USC 1692. I've noted 18+ violations in the form of an Affidavit of Fact and this company is required to respond with an Affidavit rebutted line by line and a sworn statement signed under the penalty of perjury. This company has not done so because they are aware of their illegal practices. Florida State of attorney general is put on notice of further violations under Florida Statute Title 33 chapter 559 prohibited practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: WELLS FARGO & COMPANY
State: CA
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:
On XX/XX/XXXX I placed an order for a XXXX XXXX XXXX XXXX XXXX, Model XXXX at a price of {$350.00} and paid for it with XXXX points from my Wells Fargo GoFarRewards account # XXXX. The product was shipped to me from XXXX XXXX and arrived on XX/XX/XXXX. On XX/XX/XXXX I received an email from " XXXX '' which referenced Wells Fargo/XXXX and offered seven XXXX XXXX products for sale, one of which was the identical model I had purchased from Wells Fargo. However, the XXXX price was {$130.00}, less than half the price I had paid. 

I could not understand how such a large discrepancy in price could exist for one product among reputable sellers, unless an error had been made. So I went online to check how other retailers were pricing this product. The XXXX XXXX offered it at {$180.00} ; XXXX, at {$140.00} ; XXXX XXXX, {$180.00} and XXXX XXXX, {$180.00}. Average price of the five outlets works out to {$170.00}. 

On XX/XX/XXXX I went to the Wells Fargo website and sent a message concerning the price discrepancy and the unreasonable difference between Wells Fargo 's price and the price of other stores which sell the same product. In view of these facts I asked that Wells Fargo restore equity to my transaction by refunding XXXX points to my GoFarRewards account. I received a confirmation from Wells Fargo that my message had been received and I could expect to hear from them within 10 days. I waited one month for a response, and on XX/XX/XXXX I sent a second message on the Wells Fargo website. I asked that if they are not willing to make an adjustment for the price discrepancy that they authorize me to return the product and cancel the transaction altogether. 

I received a letter by mail dated XX/XX/XXXX from XXXX XXXX, Research and Remediation Manager, Executive Office, Wells Fargo Bank. Mr. XXXX stated that his research team expected to provide me with a response on or before XX/XX/XXXX. A second letter dated XX/XX/XXXX came to me from XXXX XXXX, Research and Remediation Analyst in which she said she was working on my case and I could expect a response by XX/XX/XXXX. A third letter, dated XX/XX/XXXX arrived from XXXX XXXX stating her research is continuing and I can expect a response by XX/XX/XXXX. A fourth letter dated XX/XX/XXXX arrived from XXXX XXXX in which she stated she is unable to honor my request because rewards are not refundable once redeemed. 

I can not accept XXXX XXXX XXXX decision as a legitimate reason for denial because fairness and equity in conducting a business transaction should never be disregarded. When an operating procedure conflicts with doing what is right, an exception must be made.

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2023-03-05
Company: ENCORE CAPITAL GROUP 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: Investigation took more than 30 days

Complaint:
I am frusting because company is placing charges on my account that i am not familar, Please investigate and remove. I have been over 60 Days and the company is still reporting inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
XXXX XXXX  personal inquiry remove

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 2023-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
I XXXX XXXX XXXX XXXX XXXX XXXX, printed in conspicuous form that the tendered payment was FULL SATISFACTION OF CLAIM and I mailed it to address provided for mailing payments as stated in the AFFIDAVIT OF TRUTH FOR FACT FOR RESPONSE OR REBUTTAL IN 30 DAYS OR DEFAULT ET AL. All mailed instruments/ documents were an : Affidavit of Truth For Response Or Rebuttal Within 30 days of Default ET AL , Exhibit A " Accepted '' State of account and returned for Deposit Entry for credit card Account ended in XXXX & account ended in XXXX, Exhibit B - Postal money order instrument Number ended in XXXX, Exhibit C - Back of the Money Order, Exhibit D - Money Order Status ( money order has been cashed ), Proof of Service and Delivery. This satisfaction of claim sent to Capital on XX/XX/2023 and delivered by XXXX on XX/XX/2023 to an representative of Capital One. The Exhibit A Deposit was not discharge or applied to my account as stated in XXXX XXXXXXXX. Capital One accepted the terms on my contract and has now Breach the Contract for failing to commit to performance obligation to discharge this matter and show a accurate statement of account ender in XXXX & account ended in XXXX. I have issue three tends of Payments to Capital One and all have been accepted and cashed. I asking for Capital to honor my Deposit and Money Order by giving my credit back to accounts ended in XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: NJ
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:
1- XXXX XXXX : Don't recognize this account, i think there was an error this has to be fraud. thank you 2- XXXX  XXXX XXXX XXXX XXXX : Don't recognize this account, when covid-19 came a lot of people was doing fraud on accounts and i think mine was one of them. 

3- XXXX XXXX  Don't recognize this account, i don't know where it came from or who did it but it says unspecified inquiry that i didn't make is fraud. i called the company and they said the same thing

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 2022-04-12
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 account # XXXX has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-04-23
Company: Possible Financial Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I took out an {$88.00} from possible finance and set up automatic installment payments to boost my credit. The payments were {$22.00}. They processed all but one payment automatically. I attempted to make a payment manually but I continued to receive a pop that stated to try again. This went on for a while. They then negatively reported the payment late to the credit bureaus and my credit score decreased by 56 points. 
I contacted them letting them know I attempted to make the payment but it was their system that failed. 
So here I am once again attempting to make a payment for the last {$22.00} and their system WONT take it. The message I get basically states to try again and apologizing for the inconvenience. 
This is a problem on their end. They have no phone, only an email. I emailed them about but receive no response. Yet they send me automatic emails stating my account is default. The reason why Im default is because THEIR system is faulty.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Ocwen Financial Corporation
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: Account information incorrect

Complaint:
On my credit report a reported balance of {>= $1,000,000} was reported on XX/XX/2019 by Ocwen Loan Servicing LLC to the credit bureaus. The information is false. I never got a loan from Ocwen Loan Servicing LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Affirm Holdings, Inc
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: Problem with personal statement of dispute

Complaint:
Affirm on my credit report is not mine and XXXX won't take it off. I don't know affirm company nor have I ever gave them my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: EQUIFAX, INC.
State: FL
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:
SINCE XXXX, XXXX XXXX INCORRECTLY REPORTING AN A DEBT AND INACCURATE OPENED DATE OF XXXX 2019 AND UPDATED AGAIN ON XXXX XXXX. 

I HAVE DISPUTED THIS DEBT AND ASKED FOR VALIDATIONS OF THIS UNKNOWN ENTRY WITH THE RETURN REPLY '' BECAUSE THEY SAY SO ''! 

THIS ABOVE AGENCY HAS REPEATEDLY HARASSED MY CREDIT REPORT IN SOME CASES CHANGING THEIR NAME TO CONTINUOUSLY REPORT THIS IRRONIOUS CHARGE, DELIBERATELY DAMAGING MY CREDIT SCORE. 

THIS NEEDS TO STOP IMMEDIATELY WITHOUT FURTHER DELAY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: W&A Intermediate Co., LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wakefield and associates acct. # XXXX balance XXXX. These companies have illegally obtained these debts. 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. 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 a 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. And all of this info is inaccurate. Also last but not least none of them have any of my correct information and my rights are directly being violated because none of these companies can validate this debt. They are not mine. My privacy has also been violated and I need them removed immediately. These are unfair and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Block, Inc.
State: ND
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Square intentionally seized the funds from transactions. They want to verify my identity after taking the money and not before. They sent me multiple emails claiming the account was ready to use a deceived me asking to verify my identity and bank account only after accepting the money and without my consent or knowledge because that would require them to have verified my identity and bank before accepting the money. They told me it takes two business days to do that. They rejected verifying the account information after submitting it. I resubmitted the same documents because my identity nor my bank 's identity have not changed. In two business days they did not release the money. They stated on the phone that it was because I submitted my tax return a day later because they had not responded and I had to wait another two business days. It has been two more business days since submitting any documents to them and they still have not released the illegally seized funds. They claim I need to request a refund as a consumer to have the funds as a business. I even tried sending receipts and no receipts are being received. I called today and now their number XXXX states my phone number is not registered to an account, won't transfer me to anyone, and hangs up the call. I can't even find where a phone number would be to update one in the account settings and I haven't changed it in a week. They accepted my call last week, but not this week. The automated system just disconnects the call. They also want me to verify billing. Its my business ; I sent myself money. I'm not billing myself. And my business is accounting and I specifically work in tax accounting. Client information is confidential and attorney client privileged. The only thing stored that isn't confidential is a draft contract for engagement and I don't even store mine with my information in it, because its my business and I don't have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my XXXX XXXX be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation