BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-20
Company: Gurstel Law Firm, P.C.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I was contacted by Gurstel Law Firm, XXXX XXXX  XXXX XXXX XXXX XXXX, MN - about an old debt. It was a debt that was supposed to be paid by an employer, but alas it wasn't and was in my name. Regardless, I made a {$250.00} payment towards the roughly {$1000.00} debt. I was going to make monthly payments. 

I did't get a single additional piece of paper - and the agent claims that he called me multiple times ( I don't have any voicemails ). Notably I wasn't EVER notified in writing about the total amount due - or the amount they ending up taking from the account. OR that they were going to garnish the account - never a single piece of paper. How is that legal? 

Today I checked my bank account and they had taken over {$1000.00}. When I called the number the bank suggested the agent mentioned that despite the debt being just {$820.00} they take up to 10 % more to cover additional costs. 2 days before XXXX so there is no chance for me to get this handled or fixed before then. I am left with a sum total of {$27.00} in my checking and {$13.00} in my savings. 

How can this be OK when I had made a large payment to them and made intention to pay AND THEN call because my bank mentions that they can reverse it and you can make payments ( as I was originally intending ) and he said that they wouldn't do that unless I was on state assistance ( food stamps ) This has to be the most backwards, dishonest, misleading company. Not only is it NOT A LAW Firm - its debt collection firm, but they lie to you about the pretense of making payment. i would NEVER had made a payment to him had i known they would have stored hat information and then deducted it from the account later. I now have no money and if I wasn't going to be on state assistance - now I'm going to be - how the XXXX am I supposed to get to work and eat for the next two weeks - obviously making XXXX dinner is out, despite saving up for a month and a half.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I went into a local Chase Branch around XXXX to open an account. I found out there had been an open account under my information that was not mine. I disputed the information with Chase and sign all their affidavits etc - they had promised me that once I had fullfilled all there request that I could then open a checking and savings account. Finally back in XXXX I got a letter from chase telling me that I was not liable for the account and all the fess and information would be deleted. ( please refer to the second page of the attachment for this information. ) On the second page of the letter they sent me they stated I could open an account again. I went into a branch today XXXX/XXXX/16 to open an account. Before the rep even got all of my information she said because there was an open fraud case in the past they would not be able to open a account for me. I explained to her that it was closed - and I was found not at fault and was promised to open an account once it was all said and done .She said there ware nothing she could do.

Company response to consumer: Closed
Consumer complaint received 2020-11-05
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX sent a closed account to my credit report knocking my credit score down in XXXX and sent to Sequium fraudulent collection agency. Although, I have a letter from the XXXX company showing it was closed since XX/XX/2020 and no balance owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: EQUIFAX, INC.
State: OH
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:
have sent XXXX dispute letters over the course of XXXX months to the reporting agency disputing items on my credit report that are inaccurate. I asked them to verify the accounts with original documents that I SIGNED and to send me a copy of that ORIGINAL DOCUMENTS WITH MY SIGNATURE ON IT or the source used to verify that the account is accurate, but they have failed to do so. The unverified items listed below still remain on my credit report in violation of Federal Law. 

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 2021-02-23
Company: Poser Investments, Inc.
State: WI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I opened a equity reserve line of credit with XXXX XXXX XXXX XX/XX/XXXX for {$20000.00}. 
Debt collector purchased this loan in XXXXand now at the end of XXXX sent me a notice of default and demand for payment XXXX XXXX XXXX  became XXXX XXXX in XX/XX/XXXX. 
My last payment to XXXX XXXX was XX/XX/XXXX. XXXX XXXX closed my account as of XX/XX/XXXX. XXXX XXXX charged off my loan XX/XX/XXXX. XXXX XXXX sent me a settlement offer dated XX/XX/XXXX for {$4200.00} at that time the total as of XX/XX/XXXX was {$21000.00}. 
I did not pay the settlement offer due to the fact I did not have {$4200.00} at that time. The last correspondence I received from XXXX XXXX was dated XX/XX/XXXX. 
I filled for bankruptcy XXXXand my discharge date was XXXXWhy did I not receive a notice of default after my bankruptcy was discharged? I did not receive any notice of default until the letter dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Experian Information Solutions Inc.
State: OH
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:
Here are the pics for compliant : CFPB # XXXX XXXX XXXX XXXX XXXX XXXXXXXX I forgot to attach the pics.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Here are the pics for compliant : CFPB # XXXX XXXX XXXX XXXX XXXX XXXXXXXX I forgot to attach the pics.

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 2019-01-11
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
wakefield and associates are garnishing my wages and the debt is not mine. I explained several times, called them, and they still continued to collect after I explained that it was my ex-wifes debt we were divorced for over 5 years and they still pursued me. XX/XX/XXXX trying to collect XXXX dollars. I gave them my divorce decree and they still pursued and are garnishing my wages as of 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 explanation
Consumer complaint received 2019-09-04
Company: CITIBANK, N.A.
State: CA
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:
On XX/XX/2019 a credit card was opened in my name, by someone other than me! 

The card was issued by XXXX/cbna ( Shop Your Way MasterCard/Citi Bank N. America ), which is a company I have NO knowledge of. 

The card has an {$8000.00} limit with a current " balance '' of {$23.00}. 
( I have NEVER received a card from this company, there for, I could never have used 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 2020-06-09
Company: EQUIFAX, INC.
State: CA
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:
Credit Bureaus refuse to remove or verify an incorrect collection that is not mine. XXXX  XXXX in the amount of XXXX . This account is violating the FCRA laws. Needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Experian Information Solutions Inc.
State: OH
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: Was not notified of investigation status or results

Complaint:
Reference complaint XXXX. 

I do not accept Experian 's statement of " Please understand that not every consumer is guaranteed online access to their credit report '' when I specifically requested to be informed of what issue is preventing me from obtaining my reports online. It is unacceptable that they will not provide an answer nor change their system to prevent me from obtaining my report, which now being sent via physical mail is exposing my personal information to loss or theft. 

If this issue is not resolved, I will annually be filing CFPB complaints against Experian. I may also explore legal options to force Experian to devulge the answer I am requesting.

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 2021-06-09
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I called Quicken loan about va stream line and was told misleading information.I asked the agent what is the credit score required to file for refinance and was told XXXXAfter my credit was ran he told me XXXX and when I asked why did tell me misleading information he hangs up on me.Not was ran and they sold my information to another company without informing me. 
I filed small claims court case which is set for end XXXX because the broke law in California were a verbal agreement is the same as contractual. I called to file a complaint the was very rude to me.My wife credit was also approved without her consent the agent did not ask identifying information before was ran.All the information provided was was misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
EXPERIAN IS REPORTING A COLLECTION ACCOUNT FROM XXXX XXXX. THAT WAS DISCHARGED AND INCLUDED IN CHAPTER XXXX BANKRUPTCY. THEY HAVE INSERTED THIS ACCOUNT AS A NEW COLLECTION, HOWEVER, IT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX has been told both in writing and verbally every single time that they call from multiple phone numbers from countless area codes to CEASE AND DESIST from calling me about a fraudulent debt they purchased from XXXX XXXX who violated federal law relating to the time frame required by federal law in which payments made to the account are required to be accepted ( XXXX east coast time, XXXX pacific time ) by having so many people trying to do so and freezing up their website to force payments to be made late, thereby generating fee income through fraudulent activity. 

XXXX XXXX XXXX has been told this in writing YEARS AGO and every time they call YET THEY CONTINUE TO VIOLATE FEDERAL DEBT COLLECTION LAWS AND REFUSE TO STOP HARASSING ME FOR A FRAUDULENT DEBT THAT WILL NEVER BE PAID!!! 

ENFORCE THE LAWS AND THROW THESE XXXX XXXX IN JAIL!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-06
Company: WAKEFIELD & ASSOCIATES, INC.
State: PA
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 just opened a XXXX XXXX and noticed Derogatory marks from WAKEFIELD AND ASSOCIATES one on XX/XX/2018 saying I owe them {$1300.00} and another on XX/XX/2018 saying I owe them {$880.00}. I called the company explained to them it was fraud they said they were going to look into it within 30 days should be removed. This is fraud. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I have no knowledge of this. I would like this off my credit as soon as possible due to the fact they have the wrong person and inaccurate 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 explanation
Consumer complaint received 2015-11-07
Company: Statebridge Company
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
when you contact this mortgage company you do n't get to talk to person. you leave a voice mail and they tell you they will get back to you in 24 hours and they never do. trying to get the loan redone and very little help from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: EQUIFAX, INC.
State: MD
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 3 disputes with Equifax concerning an account that belongs solely to my deceased husband. After my husband 's death, I found out that I was listed as an " Authorized User '' on my deceased husband 's XXXX account with XXXX XXXX XXXX XXXX. I never knew about said XXXX account, never used said XXXX account, nor do I have any financial obligation or agreement with XXXX XXXX XXXX XXXX re : said XXXX account. I only found out that I was listed as an " Authorized User '' on my deceased husband 's XXXX XXXX XXXX XXXX XXXX account when I called to notify all of his creditors of his death. I even mailed a letter dated XX/XX/2017 to Equifax from XXXX XXXX XXXX XXXX that clearly states that I was listed as an " Authorized User '' of said XXXX account and therefore I am not responsible. I asked Equifax to completely remove the account from my credit report. They refuse to remove the account. I also contacted XXXX  and they immediately removed it from my report. Equifax needs to remove the XXXX XXXX XXXX XXXX XXXX account from my report as it is not my account and I am not financially responsible for the account so it is unlawful for them to report an account that I am not legally liable for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-27
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX  My Mortgage was refinanced by Wells Fargo Home Mortgage five years ago.
XXXX.  I make my payments at the bank branch which was opened close to my home.
XXXX  The bank receives the payment but sometimes the payments are not applied immediately to my mortgage account.  
XXXX  My bank on which my check is drawn pays Wells Fargo Home Mortgage the check on the same day that it is presented.
XXXX  Although the Mortgage Note states that I can pay by the XXXX of the month without incurring late charges, I have multiple late charges posted to my account;  even though I have made only XXXX late payment.
 XXXX.  One month I could not make payment at the regular scheduled time.  Payment was made XXXX of that month.
XXXX  I have asked Wells Fargo Home Mortgage to waive the late charges that were caused due to their banking system's posting of my payments.
XXXX.  I have through several telephone calls requested that the late fees be waived.
I want to also state that the paper on which Wells Fargo Bank prints its receipt for payments received is either light or heat sensitive because after time has elapsed, the ink fades.  This affects how the customer can validate the statement which shows the bank being in receipt of the funds, but said funds not posted to the mortgage account.  Hence incurring late fees unnecessarily.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
After reviewing my credit report I noticed that an account with target cred/Td bank was added to my credit report I have never authorized a credit card to be opened with this company nor have a I have anyone permission to open an account. This account is fraudulent and I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have 6 loans on my credit report reported that arent accurate. Two loans open in XX/XX/XXXX, I have no knowledge of. One loan I paid off in XXXX isnt even showing on my credit report. 

I called my loan servicing to get help with correcting my credit report and after 30 minutes of specking with an uneducated rep, I was advised to mail the report in for review. I am requesting to have my lone servicer changed.

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 2018-11-20
Company: AC AutoPay LLC, Denver, CO Branch
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
I applied for an auto loan using Auto Pay as a servicer to source, organize and close a loan deal on my vehicle refinance. Throughout the time of the loan, I experienced multiple scenarios where Auto Pay personnel  mismanaged the application, information collection and contracting process. At times, I was asked for immigration documents I could not provide without either a ) falsifying the information or b ) using expired documents for a financial application, which could my wife 's XXXX   status in jeopardy by committing such a crime while on a 2 year XXXX XXXX status. The items requested were a valid XXXX, as well as XXXX paperwork, which would be impossible due to my wife being a XXXX XXXX XXXX to a U.S. citizen. I acknowledged that I was not comfortable with my wife using these documents to apply for our loan, because Auto Pay was not the lender, and I was not sure how Autopay was going to use these documents on our behalf to close a loan for us. In addition to this scenario, I was asked to have my cosigner 's name signed off a title that her name was not on. I was also sent our contract via online signature tool, XXXX, 8 times. The contract was sent this many times because representatives at Autopay sent the document in the wrong order, out of order, to me twice, etc and this process had to be voided out a total of 4 times over a period of 61 days. Further, we received numerous communications stating we needed to provide paperwork, then a phone call stating to ignore this communication. We also received emails stating our application had been approved and our contract was on it's way, having signed the loan agreement approximately 8 times. 

Most recently, we became aware that Autopay had furnished our loan application and documents to the credit union whom was supplying our loan a second time, thus running our credit again and placing a " hard pull '' on our credit reports. Per XXXX, an immediate 29- point decrease was experienced by my wife 's Transunion report and a 2- point decrease on my report. In contacting Autopay, my loan representative, XXXX stated we took too long to finish our loan application, so the company, without our permission, duplicated our initial application, sent the application to the lender as if it were a new application, thus causing the inquiries, and then, as a result of my calls, stated they were going to " back out '' of the process due to my legal action threats. We have requested in multiple scenarios that one of the hard inquiries be pulled from our credit report, and Autopay has refused to do so. 

To date, the loan has not been fulfilled, although approved, and our credit reports have been harmed by Autopay. We are in possession of multiple pieces of evidence to show mismanagement of the application process, and are asking for immediate help to stop further damage to our personal credit profiles.

Company response to consumer: Untimely response