BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-20
Company: MARINER FINANCE, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
This loan was opened XX/XX/2021 for {$5700.00}. I missed a payment by a day and then this company turned into spam calling company. Calling me late at night after XXXX and on the weekends. The calls got so bad I couldnt even conduct job interviews. I informed the company not to call me because their auto-dialer system seems to call me at all times of the day. I was told it would be removed. But the calls persist. Now I was served with papers setting that Mariner Finance is suing me for one missed payment. 
The Claim states on the court doc " The account opened on XX/XX/2021. The account is due XX/XX/2021. I will never do business with this company again. The company never tried to make any arrangements after the missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wells Fargo exposed myself to fraud and are refusing to answer my questions. Instead they sent me this stupid letter denying any responsibility, even though they are the ones who opened the account unauthorized. They claim I should have the welcome package that never came to my address. They are holding me responsible for the account even though I am not the one who opened it. I want to know what address the welcome package was sent to.

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
Consumer complaint received 2021-11-09
Company: Persolve, LLC - Legal - Series 2
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I noticed that late payments were showing on my credit reports. By law debt, collection agencies can not report late payments. Please REMOVE all inaccurate information from all 3 credit reports and stop reporting late payments. I never signed a contract with you for payment arrangements. 
Also, I noticed that my balance keeps increasing each month. Can you send me documentation that you can legally keep increasing the debt you have reporting on my credit report? I also would like a copy of the original documents with my signature and the amount the vehicle was sold for that is deducted from the amount you claim that I owe. If you can not provide me with this information please remove the inaccurate reporting from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Experian Information Solutions 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 U.S.C 1681 Accounts # XXXX XXXX account resolution 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 1681s-2 A a person shall not furnish Any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: DISCOVER BANK
State: NY
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:
Discover knowingly closed this account because they know it was fraudulent this is not my account and I contacted them numerous times about this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: LA
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 have inaccurate information on my credit report that does not belong to me. I contacted the bureaus to let them know, but nothing was removed from my credit report. Someone stole my Social Security card and driver 's license, and I have been opening accounts in my name without my permission. 

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 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 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 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 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 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 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
Consumer complaint received 2020-01-10
Company: JPMORGAN CHASE & CO.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I made a XXXX page ( for adoption with partner/fiance ) never done it before, not thinking correct someone said they could help me out said they were going to send me a check to my XXXX and all I have to do is print it out and mobile deposit it to my bank account so me not knowing considering I have never even done this or heard of this before I did it. I couldn't pay my rent, landlord, credit card bills, XXXX bills national grid bill plus all on top of that they took my debit / XXXX bank card from XXXX XXXX away because they have to do all that just in case. Me not knowing I never did this before so they took my debit card away for a month I was and still am backed up on bills. That is crazy come to find out it's multiple people sending fraudulent checks and getting the recipients to look like it's all their fault because we mobile deposited it. I didn't even know you could do that I never did this before I thought someone was actually being nice and helping my fiance and I out. Nope it screwed me I'm still screwed I'm still backed up on bills I had to apply for a new bank just because my account was so backed up this is not fair. The check was supposed to be for {$400.00}, I go to check it it says {$1200.00} they said okay just mobile deposit it once it clears send me the rest of the money back. Clearly wasn't thinking right because nobody has ever scammed me before but it happened and I'm sure they have bank account numbers hopefully not my social or anything of that kind. Please do something about this because I am in debt because of this! I even wrote to Chase Bank it was a JPMorgan check. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: MD
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, this creditor has violated my rights under 15 U.S.C 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604A section 2 also states a consumer reporting, An agency can not furnish an account without my written instructions. Under 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 any 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 explanation
Consumer complaint received 2021-09-27
Company: MoneyLion Inc.
State: TN
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 got a loan with MoneyLion about three years ago and forgot about it since then. They have closed it and charged the data off and reported it on my credit report every single month for the past three years. 29 derogatory marks. I called today and tried to speak with somebody about paying off the lien and getting a XXXX balance letter. I recorded the phone call and in the phone call the man said that he could not send a XXXX balance report. He said that he had to go through MoneyLion procedures. I explained to him that he can not do that because there are certain consumer financial protection laws that do not allow moneylion to handle these things for them selves. He then admitted to breaking consumer financial protection laws on recording, then hung up on me. They will not answer my calls. They will not allow me to pay the balance. There are no loan documents either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX : A creditor XXXX not treat a payment on a account under an open end consumer credit plan as late for any 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 2021-09-27
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to get equifax to fix this information on my consumer report since XX/XX/XXXX and they refuse to investigate it or even fix it. I entered into a consumer transaction back in XXXX and the account has been paid and in good standing. But on my report it is showing completely wrong. It is showing, an Open collections account, in a derogatory status, but also Paid In Full. This incorrect Information is really hurting my credit and causing me stress. It is going to fall off of my credit report in XX/XX/XXXX but it has been reporting inaccurate for 7 years. And when i tried to get Equifax to update it they completely ignored me. XXXX and XXXX deleted it because they knew it didn't meet FCRA requirements, so how can equifax knowingly and willfully report this false information to hurt my credit and stress me out?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
When I spoke to a representative from Capital One ( can verify a date from Customer ID # XXXX ) about where to send the amount I can afford to pay because of a family unforeseen occurrence. Capital One associate clearly told me they understood and I have to make payments to Capital One to another mailing address. I have been making payments on the {$5300.00} since XX/XX/2019. 

I am the bread butter for my family and I have reached out to financial advisers and this was the repayment plan that is affordable until I get my total debt of {$42000.00} under control.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened a CareCredit account with Synchrony Bank through my XXXX XXXX I was told no interest for 2 years. I have been making payments. I got my balance down to {$1900.00} and then on XX/XX/XXXX they charged {$2400.00} in interest. They are telling me the balance had to be paid off in XXXX to avoid accumulated interested. However, they don't set up the monthly payments to meet that goal so you think everything is ok but it is not. My balance is now {$4300.00} and I believe I only charged XXXX at the beginning. So now I owe more now then I ever did. I can't check because I can't access all my statements or review the transactions going back for more then 12 months. The program is very misleading. They should have made it very clear in XXXX and XXXX that I need to pay off the balance or an balloon interest charge of XXXX XXXX XXXX XXXX XXXX- was going to added to my account and they did not do that. They do not clearly tell the consumer that there will be a balloon interest payment. They do not give you any notice that the deadline is approaching to pay off principal to avoid balloon payment charge. 
I offered to pay principal balance and have interest waived and they rejected that suggestion and said " sorry ''. Carecredit does not CARE about anyone. Horrible business practice. They actually sent me a promotional e-mail XXXX to get me to spend more on card at XXXX instead of notifying me of what they are doing my account. Unbelievable. I logged in to the account in XXXX to make payment and that when I saw the balance. Very deceptive business practice. They are requiring payment for {$140.00} in this month but charge {$100.00} in interest. Is that legal?

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
Consumer complaint received 2023-01-14
Company: EQUIFAX, INC.
State: IL
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 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 agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved 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 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 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have already submitted a complaint. The company replied with the same canned response they have replied to me with for over a year now. They did NOT answer any unresolved questions. They did NOT provide documentation of charges. I contacted them by phone and email to the contact information provided on the reply and to date have NOT received a response. I am filing another complaint for the SAME issue. 

Complaint review : I have attempted to obtain this information for over two years now. I submitted requests with the previous servicer as well as the current one. There are a number of charges to my escrow account that the servicer will NOT verify as accurate. I have requested copies of reports and invoices charged to my account and only receive some of them. They have gone so far as to send duplicates in an effort to make my request appear complete. I have spent countless hours reviewing the partial documents sent to me. I'm still being charged for items on my escrow account with zero documentation of what they are and if they are valid charges. Additionally, I'm in a repayment plan and was forced to add the total amount of the escrows, including the disputed amounts to the plan. This is ridiculous. I need help. 

Shellpoint is trying to take the position that they are not attempting to collect a debt to a past bankruptcy. However I am in a repayment plan where they have added these charges to my repayment plan. If I don't comply with the payment plan and pay all of the charges they will foreclose. These charges are not valid. 

They have random legal fees and have told me that I have to contact their attorney to get copies of invoices. Well have you ever attempted to contact someone else 's attorney and get information from their account? That doesn't work! They will not even return calls or provide any information. 

I'm personally being billed for these things and am simply asking for copies of what I'm being asked to pay. They will not provide. That leads me to believe these charges are NOT valid and should be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: National Debt Holdings, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Payday loan taken in XX/XX/XXXX - went delinquent XX/XX/XXXX, was sold to XXXX XXXX XXXX in XX/XX/XXXX - I never received phone calls or communication from XXXX XXXX XXXX. On XX/XX/XXXX, I received message on XXXX from XXXX XXXX who I have not been in contact with in 20 years saying XXXX XXXX was looking for me. I contacted XXXX who said they could take any means necessary to locate me, I asked for the address they had which is my address. They said they sent me mail in XX/XX/XXXX which I never received. I informed them I would take legal action if they continue to reach out to any of my personal or business contacts on XXXX  or other social media and to send me whatever documents they needed to. They asked me for an exact date and time I would be home, I refused to give them that information because it was threatening to me since I am a single mother at home with a XXXX year old child. It is not legal to use social media for collection attempts, they said they could not locate me but then gave me my address. Whatever sick games they are playing should be stopped.

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