BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-13
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX financial calls my aunt 's house frequently looking for me. Caller ID identifies based off company name, that XXXX is a debt collector. Upon answering, voice recording says " if you are not " my name '' hang up, if you are " my name '', please press one. '' This identifies to anyone who answers that I owe a debt to XXXX financial. This is a violation of fcra and privacy laws surrounding debt collection. 

Upon pressing 1 to try to speak with them the phone rings several times, but no one answers, and eventually the line goes dead. 

They are not calling to communicate with me ... or they would answer the phone after pressing one. Instead they are announcing to anyone who answers the phone that I owe them a debt, with no intention of actually communicating with me about said debt. This is a violation of the fcra and laws surrounding communication tactics allowed by debt collectors. 

I provided an image of caller ID, and what info can be found out by anyone who does a XXXX search of the company name. Associating my name with their name tells anyone who answers the phone when they call that I owe a debt collector a debt which is in violation of " The Fair Debt Collection Practices Act says that absent express permission from the debtor, a collector may not communicate with anyone about a debt other than the consumer, and certain people such as attorneys. '' Just by calling and identifying themselves and playing a recording of my name to anyone who answers, violates my rights. Whether they identify as a debt collector in the recording is irrelevant because of the information age, a simple search reveals their intentions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 



YOUR COMPLAINT : IT HAS BEEN GOING ON SINCEXX/XX/XXXX THATS OVER 1 1/2 YEARS. 

i filed yesterday a cfpb # XXXX and yet today i found another proof of what has taken place by the wells fargo bank. In my online account on credit card # XXXX They actually states that the account was created onXX/XX/XXXX I have attached the bank on line information and you already have the proof of signed letters from the executive office personnel this account was closed on XX/XX/XXXX and another lie that it was closed onXX/XX/XXXXand created over 50 transactions. i have tried to get statements dating back and they refused and not allowable. 

Attachments Scan2pdf.pdf ( 1 MB ) XXXX Account Profile.htm ( 24.5 KB ) Hide full complaint What product or service is your complaint about? 








PRODUCT OR SERVICEChecking or savings account TYPEChecking account What type of problem are you having? 






















Issue Managing an accountHave you already tried to fix this problem with the company? Yes What happened? 





They never bother to repond to the complaint I filed and I added the proved with the signatures as well. The complaint # is : XXXX all you need to do is pulled the attachements for the proof of all the lies the banks has created. I have filed two lawsuits with XXXX  that wa sprovided by wells fargo as well and denied the offer of {$2400.00} by mediations from the bank and even got {$500.00} check {$48.00} i filed yesterday a cfpb # XXXX and yet today i found another proof of what has taken place by the wells fargo bank. In my online account on credit card # XXXX They actually states that the account was created on XX/XX/XXXX I have attached the bank on line information and you already have the proof of signed letters from the executive office personnel this account was closed on XX/XX/XXXXand another lie that it was closed on XX/XX/XXXX and created over 50 transactions. i have tried to get statements dating back and they refused and not allowable.

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 2019-01-01
Company: WELLS FARGO & COMPANY
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am contacting because of the difficulty in paying off the auto balance. 

I initially fell behind on payments ever since I moved to my new address. This was my responsibility and my fault here for not following up. 

In XXXX, I called the Wells Fargo Dealer Service multiple times in an attempt to pay off the debt. A settlement bill was scheduled to be sent a total of three times. The first did not arrive, the second arrived however it was burnt from our house fire. A third was send on the date extension XX/XX/18, with the due date XX/XX/18. The bill arrived afterwards, however an extension was not given. 
We attempted to pay at a local Wells Fargo to no avail. Email was unavailable to pay the bill. There is now a charge-off negative remark on my credit report. 

I would like to address this by paying the debt by the original {$290.00} payments on the Wells Fargo Dealer Services payment portal or get the negative remark removed from my credit report. 

Thank 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 2019-07-12
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2019 I applied for a small business line of credit with JPMorgan Chase in XXXX, Virginia. I was told the line of credit would be personally backed and so my personal credit would be checked. On XX/XX/XXXX I received a phone call from XXXX XXXX from JPMorgan Chase advising that my application was denied. After 3 weeks of awaiting formal notification, I returned to the branch in XXXX, VA, and asked for a decision letter. 
A letter was quickly drafted, back-dated XX/XX/XXXX, printed and handed to me. It cited the reasons my application was denied were based on personal revolving balance limits, personal credit history, debt on personal revolving accounts, and recent personal account opening. 
The letter went on to state the bank had relied on information from XXXX and XXXX in making its decision. I explained that XXXX & XXXX had commercial credit information and would not have been able to provide the personal information the bank claimed to have used to make the decision. I was referred to XXXX who told me ( by phone ) that they had also used my credit report from XXXX. I asked for a letter stating that so I could review the information XXXX  had provided on me and challenge it. I was referred to XXXX 's supervisor, XXXX XXXX, who told me a letter would be sent in about 5 days. The letter did not arrive. 6 weeks after JPMorgan Chase made the credit inquiry, XXXX left me a voice mail advising that the underwriters would not write a letter stating they had relied on information from XXXX   because the line of credit was for a business. He advised that I should contacXXXX XXXX directly to challenge information on my credit report. I tried contacting XXXX   to request the information provided to JPMorgan Chase, but can not access that information without a denial  letter from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection report a new attempt at fraud. Similar reports were removed after investigation ( with or without CFPB assistance ). Obviously, after removal, the old, removed collector has resold the fraudulent rights to a new unsuspecting collector another rung down on the ladder.

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 2019-07-03
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
There was a debt from the creditor XXXX XXXX XXXX in the amount of {$1700.00} listed on my credit report. I disputed this and it was removed on XX/XX/2019. This creditor was part of XXXX   XXXX. 

Since then the charges have been put back on my account in small individual charges, with another debt collector, named Medical Data Systems Inc- but this is for the same place XXXX XXXX , they changed the name and broke down the charges to make them look like seperate bills. this is completely false 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 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

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

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 2017-10-05
Company: Experian Information Solutions Inc.
State: PA
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 mailed a request regarding Fair Credit Reporting Act ( FCRA ) 609 ( A ) ( 1 ) ( a ) to Experian credit reporting agency and received absolutely no response at all from Experian in regards to my requests.

Under FCRA 609 ( a ) ( 1 ) ( A ) I am entitled to the right to demand to see verifiable proof ( an original contract with my signature on it ) that credit bureaus have on file of the listed account below : Bankruptcy - # XXXX Despite my written request, the unverified item listed above remains on my credit report without any response to my FCRA 609 ( A ) ( 1 ) ( a ) request which provides Experian is required by Federal Law to provide through the physical verification of the original signed consumer contract - any and all accounts posted on my credit report. Otherewise anyone paying for reporting services to a credit reporting agency could fax, mail or email in a fraudulent account.

Below I have listed the details regarding the request mailed certified mail return receipt requested.

1 ) Mailed XX/XX/XXXX and the letter was received XX/XX/XXXX by a 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 2018-01-26
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
The situation with student loans has been ongoing since I got out of college six months following my graduation date of XX/XX/XXXX.  I have needed to "check in" every year to update my income information and resubmit all data that was submitted the prior year.  
On XX/XX/XXXX, I called Navient to once again give them my information.  I was told this time I needed to submit bank statements as well as tax returns and pay stubs for a private loan.  Mind you these items are not needed for federal loans and I really don't think that it is any of their business what goes in and out of my bank account.  They never asked what other student loans I had and how much I was paying on those because they are only worried about their loans.  But, in turn, I submitted the documents to them and agreed to pay them XXXX a month.  I was then told that after 3 months of on-time payments the past due balance of my loan would fall to the back of my loan.  I enrolled in Autopay and my first payment came out the following month of XXXX.
Two weeks later I get a phone call stating that my documents did not meet the requirements and that they were going to withdrawal our contract. They also stated that me and/or my cosigner (which is null and void because none of my loans have a cosigner) were able to afford more than the XXXX  I had told them I would pay.  I signed a verbal contract over the phone stating that the XXXX a month would continue for 18 months than I would have to resubmit documentation.  
We are now in XXXX and I have received several hundred phone calls threatening letters etc. Stating that I need to pay the past due to balance or they will send my case to a collections lawyer in my town. They have completely destroyed my credit as they continue to report me late monthly even when I have been paying my loans since XXXX. They have continued to debit my account but have not held up their end of the contract and I did not agree to void the contract. 
I have several other loans including federal loans and it is not near this difficult to manage them.  
Upon looking at my account they have not uploaded any of the information that was sent to them in XXXX  when I have it as sent in my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I made a purchase on XX/XX/XXXXXXXX  in the amount of {$2000.00} on my Discover Card to XXXX XXXX XXXX. I was set to go on a trip in XXXX of XXXX, they initially re-scheduled my trip to XX/XX/XXXX. 

During the Pandemic, the company of XXXX XXXX XXXX filed for Insolvency. I was informed to reach out to the Credit Card to file a dispute. Which I did, multiple times. 

Discover has since said I need to reach out to the Merchant to resolve this, that there is nothing else they can do on their end. But as I explained, the Merchant is no longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Experian Information Solutions Inc.
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-01-01
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Because of my illness and divorce I became delinquent in my mortgage payments. All notification regarding the delinquency was sent to another address and not the property address or my mailing address.  In fact I correspond with Ocwen mortgage for month at I current mailing address and the foreclosure attorney was sending paper work to my old address.  Ocwen eventually sent foreclosure paper work to my current mailing address but it was for some else property! I have that paper work! Prior to the foreclosure sale date I filed bankruptcy and it was dismissed two weeks later because the attorney didn’t file the schedule in a timely matter.  So the mortgage company allowed me to file for another short sale and I did along with the submition of a rectified contract and was advised by Qcwen loan servicing that my short sale was denied because it has to be filed within 37 days prior to the sale date.  I advised them that when you offered it to me it was within that time frame because the complete package was submitted that same day which men’s that Ocwen know that when you offered me that option! Then Ocwen offered me a modification and stated that the time factor didn’t matter.  Several days later I received notification in the mail that it was denied because of the timeliness of my filing! Ocwen is playing games! And needs to be investigated! Months ago I requested a deed in lieu of and was advised that I couldn’t apply for that option without giving Ocwen time to review my file so I held on the phone for the review and was advised to apply for another mortification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was contacted to apply for a XXXX FHA Mortgage by my current mortgage holder. After getting the approval I let them know I was going to shop the rate and I did. I found another company who was offering me the same mortgage program for .75 % lower rate. I also let them know I was going to shop that rate back to the original loan originator and they said that wasn't a problem. Fast forward a few weeks and due to the original loan originators unwillingness or inability to match or come close to the same rate I decided to go with the second company but let them ( the original ) know if things went sideways with the second i'd come back for theirs. 

I was told by the original company they were going to close my file down regardless and I asked them not to. There were no further communications from me to them, or them to me. The second company filed for a release of the FHA Case number on Monday XX/XX/2019. Later that day I got an email from the original loan originator asking for additional information from me which I provided. I figured they were positioning themselves in the event something went south with the second company. The FHA guidelines indicate a 3 day grace period to release the case as I was already clear to close once the second company got the case number. 

Today, Wednesday XX/XX/2019 at XXXX this morning I received a call for the original company and was asked if I wanted to release the FHA case file to the second due to a refinance. I said yes. About 10 minutes later I received a call from the original company which I was unable to accept. An hour and I hear from the loan coordinator at the second company indicating i'm still clear to close ; however, the original company still hasn't released the FHA case file. I sent an email to the original company demanding the release, and after a series of unprofessional emails ( which I have retained ) from them denying any responsibility and in effect taking no responsibility for the failure of them to perform under FHA guidelines due to internal processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX Excessive phone calls this company is incredibly obnoxious. Excessive calls make people angry it does not make them want to at all communicate with these people. I do not want them calling me ever again. They call in the early morning while I am in class, and at dinner time. 

XXXX XXXX XXXX XXXX X 2 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
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: Information belongs to someone else

Complaint:
I have filed a police report the following accounts are still on my Experian Credit Report. 

XXXX XXXX XXXX Account # XXXX Payment Status Charge-off Past Due Amount {$23000.00} XXXX & XXXX Account # XXXX Balance {$2200.00} In XX/XX/2017 I spoke with a Experian representative regarding my situation. The representative advised me to get a police report as a supporting document regarding the accounts. I went to the XXXX Police Department and retrieved a full police report. On XX/XX/2017 I faxed and mailed the police report to Experian to remove the accounts. Accounts have been charged off and they are negatively affecting my credit report by reporting it as late and has been transferred/sold to collection agency. I do not have this vehicle. In addition, if you singularly or severally fail to comply with the above requests I reserve the right to seek damages and legal suit against all parties, under all available State and Federal statutes and XXXX XXXX remedies.

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