BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
*** The Issue**On XXXX XXXX 2015, I was looking on line for XXXX plans, to activate my ( I owned ) personal phone with a pre-paid or pay as you go plan. I came across one such planwith a monthly {$35.00} fee and no activation fee. I activated it & received an order confirmation ( attached here ) with " {$0.00} on fees & $ XXXX monthly ''. This was for emergency use by my XXXX yr old son and some how he lost the phone in a week. So on XXXX XXXX, I requested to disconnect & a partial fee request..which should have been ( 10 days * XXXX = {$12.00} ). 
However I ended up receiving an invoice for {$54.00} ( that included a {$40.00} activation charge ). 
I have called XXXX & tried to resolve the issue number of times, mentioned about the order confirmation mentioning no activation charges. However they have been adamant and are forcing me to pay the activation fee. Which I dispute and I am not willing to pay. 
This has ended up in my credit history. I believe this is unfair and unethical. 
*****It seems more like blackmail by XXXX XXXX " pay up or we will spoil your credit history '' **Hence I would like CFPB to intervene and advise XXXX & Experian tocorrect this negative information from my credit records. I do not have any other negative information on my records and this single event spoils my credit history by more than XXXX points.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
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:
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 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 2023-08-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
We failed to be given a loan modification by Wells Fargo numerous times, and eventually had to file for XXXX XXXX protection to prevent us from foreclosure. We are currently in an ongoing XXXX XXXXXXXX, with a rather high plan payment of $ XXXX, that is due to increase to over {$12000.00} a month in XX/XX/2023. Because of this, we are now forced to sell our home, and based on everything I hear and read, Wells Fargo has been convicted of predatory loan practices, which I now know we were victims of. 

As the equity in our home is all we have, and we now have to sell our home or loose it, it is critical an audit of the payoff of our mortgage is conducted, so we only have to pay them what is fair and accurate. I am confident Wells Fargo has added excessive fees and charges to our loan payoff balance, that are not legitimate/correct.

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 2018-08-20
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We lived in an apartment complex and signed a year lease with them on XX/XX/XXXX. We paid on time and gave a XXXX $ security deposit. We moved out before the end date of midnight XX/XX/XXXX, left the apartment empty with no damages, and paid our final dues. SIX MONTHS LATER my friend gets a call from a collection agency asking for me. I call the collections company to see why they are bothering my friend and they say i owe them money and i need to pay right now or that they're going to send it to collections and continue to call me and my friend until i pay ( threat ). I didn't receive any letter any call and suddenly it ends up in collections for something i already paid.ON TOP of all of that they kept our security deposit and are still trying to get more money out of us.

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 2022-10-25
Company: Experian Information Solutions 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:
This is not a duplicate! I talked with someone today concerning XXXX XXXX account- XXXX or XXXX. Her name is XXXX XXXX from the XXXX, SC office. The telephone number is XXXX. I asked for a copy of the of the original contract that I allegedly signed. She stated that by the account being so old that they didn't have a copy of the contract. So to my knowledge the account can not be validated. There is nothing with my signature proving that the account is mine. If they cant prove that I signed a contract this account should be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
My CDs matured on XX/XX/2023. I did not receive a renewal notice. I received an e-mail. I called a TD Bank representative and was told my CDs would roll-over into CDs at an APR of 5 % with a six month term which TD Bank is currently offering. Instead, I was put into the lowest interest rate CD at .05 %. I spoke to a bank manager and said this practice was not fair to the consumer. TD Bank has not responded to my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
Company: AFNI INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have called me several times between XX/XX/2022 and now XX/XX/2022. They are trying to collect {$260.00} from me. They always try to talk down to me as if I am low if an individual because I can not afford this amount at the moment. I asked them to not call as much and I get constant calls anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to report an identity theft incident and request assistance in addressing fraudulent accounts that have been wrongly added to my credit report. I recently discovered that my personal information has been compromised and used without my authorization to open credit accounts. I am taking immediate action to rectify this situation and request your help in resolving these issues. Below are the details of the fraudulent accounts XXXX XXXX XXXX XXXX XXXXXXXX I believe that these accounts are a result of identity theft, as I have never applied for or authorized these credit accounts. To address this matter and protect my creditworthiness, I kindly request to take action I understand the importance of acting swiftly to rectify this situation and protect my financial reputation. I kindly request that you acknowledge receipt of this letter and provide a timeline for when I can expect updates regarding the progress of your investigation. I appreciate your prompt attention to this matter and look forward to your assistance in resolving these fraudulent accounts as soon as possible. Thank you for your cooperation and support in this challenging situation.

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 2022-12-14
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, these accounts entered have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish information relation to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1666b - Timing of payments ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2018-08-20
Company: Experian Information Solutions Inc.
State: TX
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:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please Delete 2. XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please Delete 3. XXXX XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please Delete 4.XXXX Funds - this account doesn't belong to me. 
Action Requested : Please Delete 5. XXXX - this account doesn't belong to me. 
Action Requested : Please Delete

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 2022-03-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/XXXX I requested a deferment of XXXX and XXXX payments from Wells Fargo they agreed and sent me papers on XXXX XX/XX/XXXX. I filled out the papers and faxed them to the number in front of the paperwork the deadline was XXXX XX/XX/XXXX I faxed the paperwork and had receipt showing it was faxed on 1 XX/XX/XXXX and also at the branch. 9 days after I received a letter stating its denied because they did not receive the paperwork in time I showed proof and said this is the number I faxed it to Wells Fargo said we dont know that number I screenshot the fax number on the paperwork emailed it and they got quiet and passed me to 8 different places but they never wanted to see my paperwork

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-21
Company: DISCOVER BANK
State: OH
Product: Credit card
Issue: Delinquent account

Complaint:
Discover is reporting to my XXXX report that it was settled for less than agreed. Discover was very aggressive in collecting on this account. I told them I would pay it off for the agreed amount if they agreed not to report it to my bureau. They agreed and we proceeded. I 've recently learned that it was only charged off by around XXXX dollars. I offered to pay that off in full and they said they 'd take the money but not remove it. I feel this was a deceptive practice and they 're not willing to make it right. They 're also unwilling to work with me on paying off the former charge off. I honestly do n't understand why they would n't want my money at this point. I 'm attempting to repair past wrongs and they were very rude about it when I called.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have never received the bill. It seems like it was for interest. I was never notified about this small bill. I always make my payments on time.

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 2022-12-01
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom It May Concern : On XX/XX/XXXX I submitted a request for PMI removal on my home with my loan servicer at the time XXXX XXXX XXXX XXXX XXXX XXXX  ) after my submission I was informed that the my servicer was going to be changed. I called XXXX immediately upon receiving the letter, and was told that there would be no problem and to proceed as they had cashed my check for the broker price opinion to prove the loan to value ration was below the required threshold. It is now almost 3 months later and PHH mortgage services who took over has not taken any action on my request. I have called several times and spoken with the escalation team who told me to just wait. At this point this is costed me {$1000.00} for their delay. No one at PHH can give me a timeline of events or expected completion time. I do not feel confident in their abilities or that they are even processing my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Experian Information Solutions 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:
This complaint is not a duplicate complaint. This complaint is strictly referenced to Experian. This is regarding The Bank of Missouri Chargeoff and how Experian has not updated the information to Paid. The Charge Off with The Bank of Missouri & the collection through XXXX XXXX XXXX are separate accounts with the same Account # XXXX. 

Account # XXXX XXXX XXXX XXXX/XXXX On XX/XX/2021, I settled this account through XXXX XXXX XXXX. The account was paid in full and is closed. The charge off for XXXX XXXX XXXXi/XXXX has not been updated. I contacted Experian on XX/XX/XXXX, opened disputes, and sent the settlement letter from XXXX XXXX XXXX and XXXX Alert reflecting that the amount was taken from my checking account by mail on XX/XX/XXXX. I spoke with a representative on XX/XX/2021 from Experian and they stated that they are unable to update the chargeoff as Paid. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I would like for Experian to remove the tradeline. If they are unable to, I would like for Experian to report that this account has been settled and paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a single parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the settlement letter from XXXX XXXX XXXX, the XXXX Alert reflecting that the amount was taken from my checking account, USPS Receipt regarding the mailing of documents, XXXX XXXX Letter and the police report from the fire that destroyed my home. Thank you for your cooperation.

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 2023-02-10
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
My payment was due on XX/XX/2023. On XX/XX/2023 ( Sunday ) I receive 3 calls from phone number XXXX. I spoke to a representative on XX/XX/2023 at XXXX XXXX The I advised the representative my bill is less than 48 hours past due and I have received several call already, yesterday was Sunday and the banks are not open here.The representative informed very rudely " if you just pay your bill, we stop calling. '' I advised him again it is just now due and for him to not call me again. I received 2 more calls that day. 3 calls on XX/XX/2023 3 calls on XX/XX/2023 3 calls on XX/XX/2023 ( made the payment and a complaint ) and received XXXX call so far today from that number and several other calls from this company on a different number.

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 sent my FTC report, XXXX  Drivers license by certified mail to TransUnion, XXXX, and XXXX. I have fraudulent accounts reporting on my consumer report. I will be filing a civil suit also.

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 2023-02-03
Company: Experian Information Solutions Inc.
State: TN
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:
Fraudulent credit inquiry ( someone attempted to get a credit card or credit ) with my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: GA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My checking and saving account were frozen as a result of the investigation being conducted by the XXXX XXXX Sheriffs Department. After the conclusion of their investigation $ XXXX was seized. The account remains frozen subject to an investigation by the United States Secret Service Department, XXXX Branch, investigation agent XXXX XXXX ( phonetic spelling ). My attorney who is submitting this complaint on my behalf was told by the XXXX XXXX that they had concluded their investigation and authorizes the release of all funds. When my attorney informed me of this, I attempted to obtain by funds and found that Saving Account is released but Checking account is still Frozen. Bank of America Customer Service is not giving any information about my Checking account. As a result I am filing this complaint.

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 2023-02-10
Company: OneMain Finance Corporation
State: VA
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 never signed or requested an ibquiey into my credit report by XXXX XXXX on XX/XX/2022.

Company response to consumer: Closed with explanation