BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-17
Company: CAINE & WEINER COMPANY, INC.
State: FL
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:
Caine & wiener telephone number XXXX, just got off the phone with XXXX XXXX he is the manager in that company, he treated me very disgusting and rude making inappropriate XXXX gestures and comments on the phone trying to be rude and hurt me. I pay the bill in full last week I have screenshots they promised me on a recorded phone line that they would give me 25+ points they only gave me XXXX points and then he was very angry that I called back in to complain I told him thats fraudulent transaction they did not keep their end of the bargain You can even hear me on the recorded phone line saying that the lady said shes gon na give us 25 + points on the phone if we paid her same day which I did immediately I kept my end of the deal. she did not one time stop me and say no thats not true or try to correct me. she told me that if I paid every penny in full she would give me 25+ points and expedited to the XXXX and XXXX with the company did expedite it but they only gave me XXXX points which is fraudulent that was not part of the deal, when I try to speak to the manager he is very rude makes inappropriate comments and was screaming at me on the phone would not help me at all would not even allow me to speak, please help me this is hurting my credit score I did everything they told me to do and they broke the rules theyre not following through on their end Please listen to the recorded phone line XXXX XXXX is fraudulent the manager hes trying to take avantage of me I kept my end of the deal please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 sent a letter on XX/XX/XXXX to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any item or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$5300.00} ; XXXX XXXXXXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXXXXXX Bankruptcy XXXX Date Filed/Reported XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: IL
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 sent a letter on XX/XX/XXXX to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any item or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$5300.00} ; XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXXXXXX Bankruptcy XXXX Date Filed/Reported XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
SPS has taken advantage of us twice. We are 3-4 months behind on payments because they messed up on a MOD that they will not correct. I have written a letter to XXXX XXXX today letting him know we want help.We just want them to correct their mistake and catch up out payments. They raised our interest rate 1.5 % in a new MOD. We didnt find that out until we made our trial payments. When we complained we went into review. Nobody told us to make payment while in review. Long story short if they would listen to their recorded calls theyd know they caused this. We 've been taken advantage of enough! Im tired of trying to catch these payments up with NO help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: EQUIFAX, INC.
State: MS
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 XXXX Account number XXXXXXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company is reporting a collection account that doesnt belong to me, i requested to have it removed and they have not removed it. I was told to submit a FTC report so it can be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
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:
On XX/XX/XXXX, Consumer received notification from Experian ( " hereinafter referred to as " Company '' ) that it would not remove an erroneous reporting of a 30-day delinquent report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( hereinafter referred to as " XXXX '' ) despite the fact that XXXX failed to provide proof that it provided Consumer with a written financial statement verifying the increase in monthly charges. Without this written verification detailing all proper and authorized charges, including any additional taxes owed, any 30-day delinquent notice for failure to pay these unverified charges is in error and should be removed from Consumer 's credit report immediately. It is not enough for XXXX to provide a lease agreement that shows that Consumer agreed to pay all taxes that may become due throughout the course of the lease. Instead, XXXX is required to provide the Consumer with a written financial statement that details the additional tax as it becomes due, including the exact amount, tax rate, and to which jurisdiction this amount is owed. Otherwise, any increase in monthly charges, including charges for purported taxes, beyond the contracted amount, is unverified and therefore unauthorized. XXXX never provided the Consumer with a written verification of the purported additional taxes and also failed to verify such taxes via verbal conversations over the phone. Instead, the Consumer was given  conflicting and mixed responses by XXXX 's representatives. For instance, at one point a XXXX representative informed the Consumer that the additional monthly tax was for state sales taxes despite the fact that the Consumer had already paid the state sales taxes via her car title and registration application. As a result of this lack of verification and conflicting responses by XXXX and its representatives, the Consumer did not pay the unverified and unauthorized charge of {$710.00} for the month of XX/XX/XXXX. Per Consumer Fraud laws, the Consumer is not required to pay any unauthorized charges. In conclusion, the 30-day delinquent notice reported by XXXX for Consumer 's failure to pay the unverified and unauthorized monthly payment of {$710.00} for the month of XX/XX/XXXX is in error and should immediately be removed from Consumer 's credit report by Experian.

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 2018-02-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I have had multiple charges added to my account from the beginning due to Wells Fargo dealer services not accepting my full coverage insurance from day 1. 
I have currently and always have maintained full coverage insurance thru XXXX and have filled out the proper insurance info on their site link. I have also faxed multiple times proof of full coverage insurance to them at their company fax. I have received transmitted correctly info from the fax. Still after 2.5 years they are adding extra charges to my account, always have a excuse and as of 10 months ago, have increased my monthly payment to cover insurance they have added to my vehicle. I am behind every month on payments as I have a set payment of {$370.00} a month and I pay {$98.00} a month to XXXX for full coverage insurance. I get harassing calls from Wells Fargo from 4 to 6 times a day. I speak with their insurance experts, and still after 8 calls speaking with different agents nothing gets done. I was just charged a {$690.00}. fine ( insurance premium ) to my account again. This company has a habit of taking advantage of consumers. I have been charged for a insurance premium 3 times and the balance is placed on the current monthly payment. This makes it so I can not get caught up and I have to pay an enormous monthly payment.. No matter how much I pay, it is not possible to catch up, I could have gotten a brand new vehicle and paid less.. Please Help. My payments have increased to over {$430.00} a month plus shows me behind every month on my credit report and Wells Fargo dealer services will not help me, regardless of multiple conversations and faxes.. I am no seeing online that over 760k consumers are suffering the same issue..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
Capital One deleted 10 late payments from my consumer reports that had been reporting inaccurately for 5 months. Pursuant to the FCRA furnishing inaccurate information to consumer reporting agencies is a direct violation of the FCRA. Each violation of the FCRA carries a punishment of {$1000.00} per violation. Capital One has violated my consumer rights 10 times by reporting 10 late payments for 5 months. If Capital One didn't know that they were reporting inaccurately they should have. So therefore, they must be held liable for their actions. ( 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ) CAPITAL ONE HAS ADMITTED TO REPORTING INACCURATE INFORMATION AND THEY DELETED THE INACCURATE INFORMATION BUT THEY DID NOT PROVIDE MONETARY RELIEF AS REQUIRED BY THE FCRA. I DESERVE MONETARY RELIEF I HAVE BEEN DENIED CREDIT DUE TO THIS INACCURATE REPORTING. THIS HAS STOPPED ME FROM BEING ABLE TO TAKE CARE OF MY FAMILIES NEEDS. THIS WAS ALSO A DEFAMATION OF MY CHARACTER AS A CONSUMER. CAPITAL ONE IS RESPONSIBLE FOR PROVIDING ME WITH A CHECK FOR TEN VIOLATIONS OF THE FCRA. THIS INACCURATE REPORTING LASTED FOR 5 MONTHS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Im writing to you because I noticed that my most recent credit report contains a closed account reported recently for my Wells Fargo account. I want you to know that I understand, and have great respect for my financial obligations.

Unfortunately, at the time of the incident mentioned above, I was in college and had no idea how to manage credit responsibly. I have completely paid off my debt and aside from this one time unavoidable circumstance, you will see that I have an excellent payment record. In the near future, I am planning on applying for credit, and it has come to my attention that the closed account on my credit reports could hurt my ability to qualify.

I am humbly asking for you to remove this account. I would greatly appreciate it!

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 2018-05-18
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
In XX/XX/XXXX I fell very ill, I defaulted on a XXXX XXXX personal loan in XX/XX/XXXX and stopped making payments. I was unable to pay the debt, XXXX XXXX sold the loan to XXXX XXXX who hired a lawyer, who used every unlawful tactic to try and collect the Debt. in XX/XX/XXXX I contacted a lawyer who advised me that I could counter sue XXXX XXXX and XXXX XXXX for what was being done to me. I called XXXX XXXX, after discussing the matter and my legal rights. I was informed that they would release the Debt and remove it from credit report. It was shortly removed from credit report, hence I thought the matter was cleared up. Then, in XX/XX/XXXX the debt reappeared on my credit report under XXXX XXXX but was bought by Resurgent Capital Services. I contacted them, they said, they didn't know about the harassment from the past and were collecting the debt. I told the representative I felt it was wrong and unethical for them to report it now after all these years when a verbal agreement was reached and was honored for 6 years. 
So I then asked when it would go off my credit, the Rep said in XX/XX/XXXX because my last payment was XX/XX/XXXX, I told the rep that my last payment was in XX/XX/XXXXor  XX/XX/XXXX, which means this debt should already be removed from credit report. The rep was unhelpful and said she would note the account. I writing to get resolve on this and hopefully move forward from a very bad past with the collection practices of this company. I have held on to tape recording from 5-7 family and friends who had calls with messages detailing personal information and threats from the agency used by XXXX XXXX or XXXX XXXX from XX/XX/XXXX. I am looking to have this debt immediately removed from credit report. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: REGIONS FINANCIAL CORPORATION
State: AR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX of XXXX, my auto-draft function did not go through by no fault of my own. I spoke with someone at the time who called to collect, I explained the situation, she informed me that it had already reported delinquent. I escalated the issue, created a ticket, spoke with someone in IT whos acknowledged error. However, they insisted that I was legitimately late. I disputed the negative report twice ( I believe ) with the bureaus, and Regions claimed no error occurred and I continued to be reported as late. Today, XX/XX/XXXX, I received a letter from Regions Bank with a check for {$41.00} and an explanation that between XXXX, they have determined that their recurring payment system did not work as expected and failed to make a payment to my card as I have requested on one/more than one occasion. I paid dearly for this error as it hindered my ability to refinance my mortgage at a time of divorce and I have more than paid an unfair price for credit due to the near XXXX points dropped in my credit score. I just checked my report today and it STILL reflects 30 days late despite their acknowledgement of their fault. I want it fixed on my credit immediately and I want paid more than the {$41.00} they think they owe me for denying my dispute on more than one occasion then claiming responsibility 6 years later.

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 2022-07-19
Company: EQUIFAX, 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 accord accordance with the federal credit act XXXX XXXX has violated my rights. 
15 U.S.C 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15U.S.C 1681B Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Nationwide Recovery Systems, Ltd
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:
Nationwide Recovery Service is in violating HIPPA right by reporting a debt by XXXX XXXX XXXX by XXXX. I went to the doctor for a very personal matter and I do not appreciate ever person/company that looks at my credit report to know about my visit to the urgent care facility. It is very humiliating and embarrassing. I am prepared to take legal action against Nationwide Recovery Service and XXXX XXXX XXXX for causing me emotional distress and violating my rights. At this point it's not the measly {$170.00} it's about the fact that they are displaying my personal health for the world to see.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Exeter Finance Corp.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company EXETER Finance continues to violate me with abusive, contradicting and illegal tactics to try and intimidate me in regards to a an already paid debt which was XXXX by the IRS, they have also admitted to selling third party companies my personal information which is illegal per 5 USC 522a. 
They have also violated the Fair Debt Collection Practices Act which is found on the FEDERAL TRADE COMMISSION website which states in 15 USC 1692 ( a ) Abusive practices and 15 U.S. Code 1692c - Communication in connection with debt collection which states once given NOTICE that all communication must be CEASED, The only communication that should be initiated should be the following -to advise the consumer that the debt collectors further efforts are being terminated ; -where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

I should there for not be communicated with other wise, The debt has been paid and they want triple payment it seems, You have received payment from the IRS, you have admitted to also SELL my DEBT which you have also received payment for. 
PLEASE STOP WITH THE ABUSE AND THREATS!!! NO MORE COMMUNICATION SHOULD BE RECIEVED BY MAIL OR ANY OTHER COMMUNICATION TOWARDS THIS FAKE FRAUDULENT DEBT. 
- No More communication about fake debt -stop with misrepresentation ; no signature or Printed name found on the mailed mentally abusive and manipulative document sent on XX/XX/2024. 
Corporations can not speak so for an individual to write " Sincerely, EXETER FINANCE LLC '' at the end of mailed document is misrepresentation and fraud within itself. You have violated my fundamental unalienable rights ten times if not more,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
A feature of the XXXX XXXX XXXX XXXX XXXX Barclays ) is the Baggage Delay insurance. I've contact the insurance Company ( XXXX  ) and completed the claim, but I CAN NOT get a response back from XXXX. Barclays states there is NOTHING they can do. 

As a promoted feature of the Barclays XXXX XXXX, I believe it is something I should be have access to and a service that should not blow me off as a way of ignoring the claim.

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