BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-10
Company: WELLS FARGO & COMPANY
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 is missing that should be on the report

Complaint:
IN XXXX of XXXX I filled for Chapter XXXX Bankruptcy. In doing do I reafirmed 1 personal loan with XXXX XXXX XXXX, 1 car loan with Wells Fargo Financial and 1 mortgage loan with Wells Fargo. Everything was finalized in XXXX of XXXX by a district court Judge. Over the paste summer as I was checking on my Credit Score I noticed that while Wells Fargo had been reporting my auto loan since XXXX of XXXX they were not reporting my mortgage. They in fact did n't start to report my Mortgage until XXXX of XXXX. After speaking with my own bank It was discovered that Wells Fargo has incorrectly reported my on time monthly payments. I have now contacted them twice with no resolve other than they admit that they made the mistake but they refuse to report it to the credit unions. In fact my account just now showed back up on my Credit report 5 months after they started reporting it again. All I am wanting is them to fix my wife and I 's credit reports to show that we have been making making payments on time regularly scine the ReAffirmation.

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 2019-10-14
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/2017 i went to the emergency room for pain. The Dr spent 10 minutes with me, told me I had XXXX XXXX XXXX XXXX  and prescribed a medication. 
The next day I contacted my personal Dr to follow up. The XXXX XXXX XXXX XXXX was from a medication I was on for XXXX XXXX, and the emergency room Dr clearly knew this as it turns XXXX XXXX XXXX! 
The medication he prescribed made my condition worse, as it turned out to be a XXXX XXXX..something he never tested for. 
I feel that service was not delivered and therefore i should not owe this bill. 
I also carried very good insurance at the time ... in contacting them, they claimed there was nothing they could do as hospitals always win these disputes!! 
Please advise what can be done from here. 

Thank you in advance - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Since XX/XX/2019, I have been requesting to have Nordstrom card services change bill due date. And there have been excuse after excuse from the company as to why it cant be changed on that particular date but to call back. As the bill gets paid, there are late fees that keep being assessed to the account, though the date is supposed to be able to be changed for the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-14
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
IN XXXX XXXX XXXX  HAD BEEN FALSIFYING LAWSUIT AND FINALLY ILLEGAL JUDGEMENTS WHICH WAS NSERTED IN TO MY EXPERIAN CREDIT REPORTS SEVERAL TIMES.AND RE-INSERTRD TWICE.

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 2018-01-10
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXX we used a promotional 0 % financing option with Synchrony Bank to purchase a mattress at a local retailer. I was under the impression the offer was for 24 months. In the course of the sale, I did not pause to read the entire contract. I signed it. 

I set up regular monthly payments. I was receiving paper bills at first, but a few months later, requested online statements. I tried to set up my account on the Synchrony website, but had trouble. I did n't worry about it because I believed I had 24 months. The contract I signed unknowingly was for 12 months. 

By the time the promotional offer expired, on XX/XX/XXXX, I had paid off {$2300.00} of the original {$3200.00} price of the mattress. But I missed the deadline, which was at XXXX. They speak of a 30-day grace period, which ended XXXX, on XXXX XXXX. On XX/XX/XXXX, I logged on and saw a {$920.00} interest charge added to the bill. I immediately called the company and spoke to three different levels of management ( so I was told ). They explained to me that when that expiration date passed, I became responsible for interest from the day I purchased the mattress, at 29.99 %, for the full price of the mattress. I am aghast. I had by that time paid off more than 2/3 of the mattress price. ( There had been a couple of exchanges of the original mattress, with a credit of the original amount, followed by an increase, which was handled as an additional purchase. That created two expiration dates, one even earlier than the other. I had been billed interest for a couple months already! ) I do n't understand how a credit card company is allowed by law to place a consumer in such a precarious position. It feels like a case of predatory lending. I was set up to fail. Why are they not required to send me an email prior to the end of the promotional period? Why do they not send me an explanation of how a second promotional expiration date was created when we exchanged one mattress for another? Now I 'm being asked to pay an extra {$920.00} in interest, with nothing to show for it. I have never encountered a company that was n't willing to work with me, especially when my intentions were clearly good as I paid monthly and had almost paid off the bill. This is an enormous financial burden for me. I am hoping for some sort of alternate resolution.

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 2019-10-14
Company: ENCORE CAPITAL GROUP INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
IN XXXX MIDLAND FUNDING HAD BEEN FALSIFYING LAWSUIT AND FINALLY ILLEGAL JUDGEMENTS WHICH WAS NSERTED IN TO MY XXXX   CREDIT REPORTS SEVERAL TIMES.AND RE-INSERTRD TWICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: Experian Information Solutions Inc.
State: NC
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: Problem getting your free annual credit report

Complaint:
I went to XXXX to request my personal credit report, as I have done for years. I completed the information to request a report from Experian. Despite having lived at the current address for over 3 years, the web site kept saying it could not confirm my address. I know I answered the challenge questions correctly. 

It next said I could upload images of a driver 's license and utility bill. I tried several times to do that with a 500kb scan file, using both PDF and TIF file formats. Each time, it reported an error, saying to use PDF or TIF. It finally kicked me out, saying to mail in the information. 

I successfully used XXXX last XXXX to order my report from Experian. Nothing has changed on my end since then. I'm an XXXX XXXX, so I know all about file formats, sizes, etc. The file I was trying to upload met all of their criteria. It feels like they are deliberately trying to make the process difficult or to fail.

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 2018-01-10
Company: The Leviton Law Firm, Ltd.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
In XX/XX/XXXX, I received a phone call on the store phone number demanding i pay {$140.00} for a company I have never heard of and a bill was due to pay for a outstanding contract. He threatened to take me to court and sue me for this amount. I asked for a copy of the contract and he said he will not send me any contract and kept demanding payment. 

Today XX/XX/XXXX, i received a letter for a debt for my business and i called the phone number on the paper, the lady who answers asks for the case number and they immediately transferred to a XXXX. XXXX immediately demands how do you want to pay? He wanted me to pay a different person and a different address from the letter and the company. I asked for the contract again and he refuses to send anything and threatens to sue me. I told him if you cant send me contract you will not get paid. I hung up because he was very rude and all he wanted was money. 

I do not do any business with XXXX XXXX XXXX, nor ever heard of them. Cross checking on the internet shows a merchant services processor. I do not use this company at all and do not owe them anything. 

I have done my research and have found this " lawyer '' is a fraud and the address is to a XXXX XXXX, it is not even an office! 
Please XXXX the following, you will find it has other people have same experience since XXXX! 

The Leviton Law Firm LTD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Telephone ( XXXX ) XXXX Fax ( XXXX ) XXXX Toll- Free ( XXXX ) XXXX XXXX XXXX XXXX Supervising Attorney This is a new fraud attempting to scam a retail business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: Global Credit & Collection Corporation
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:
Starting the last week of XXXX 2017 I have received numerous phone calls from GCC, Global credit & collection agency. Nobody answers, just a recording. I owe no debt and my credit report is excellent. I believe these people are scamming and our fraudulent. They use several phone numbers, XXXX and XXXX. I have not talked to them or given out any information since the info I have found out on them from Consumer Affairs they are scammers. I believe they are a company in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
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:
ON XX/XX/XXXX I RECIEVED MY INVESTIGATION RESULTS VERIFYING THAT THE FOLLOW INFORMATION IS ACCURATE AND FAIR. REPORTING AGENCIES FAIL TO SEND THE INVESTIGATED REPORT WITHIN 15 DAYS VIOLATING THE FCRA. XXXX VIOLATED MY PRIVACY BY SELLING MY INFORMATION TO XXXX XXXX XXXX IN XXXX OF 2019. CLEARLY AND CONSPICOUSLY ON MY CREDIT REPORT IS A CLOSED ACCOUNT STATING THE INFORMATION WAS TRANSFERRED TO ANOTHER PARTY WHICH IS XXXX XXXX XXXX. I NEVER AUTHORIZED SUCH TRANSACTION TO TAKE PLACE AND SHOULD BE EXCLUDED FROM MY CREDIT REPORT. THE TRANSFER OF MY INFORMATION IN REGARD TO THE SSN IS IDENTITY THEFT. XXXX XXXX XXXX ACCOUNT IS LISTED AS A DEBT BUYER. JUST BECAUSE XXXX XXXX XXXX BOUGHT THE DEBT IT DOES NOT MAKE ME LIABLE FOR THE ALLEGED DEBT OBLIGATION. THIS IS NOT A REQUEST FOR ANOTHER INVESTIGATION THIS IS A DEMAND FOR DELETION OF THE FRAUDULENT ACCOUNT. FURTHEMORE IF REPORTING AGENCIES COULD NOT PROVIDE DOCUMENTATION SUCH AS CONTRACT OF OBLIGATION TO PAY ALLEGED DEBT AND MY AUTHORIZATION TO REPORT AND SHARE SUCH INFORMATION IT SHOULD BE DELETED ASAP! THIS IS DEFAMATION OF MY CHARACTER

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 2019-04-19
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 looked at my credit report and I saw a lot of items that I didn't recognize. I want them deleted immediately!

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 2019-04-19
Company: EQUIFAX, 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:
My Equifax report now has a new derogitory remark on it that was not there before due to me paying it off.. I payed the debt off and all XXXX agency removed it and raised my credit but now only Equifax has it on it again and I do not know why.. I have tried to call but I have gotten the run around. Transferred here and there told ro call this and that number. I called the original creditor and they state that they did not report it again and that they have nothing to do with me anymore as i owe them nothing. I would wait but it just reappeared after months of ahowing payed off. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: General Motors Financial Company, Inc.
State: PA
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:
XX/XX/2019 XX/XX/2019 XX/XX/2019 I have these hard inquiries when I called and said they were not taking it off I did t apply for these at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19
Company: JPMORGAN CHASE & CO.
State: PA
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:
XX/XX/2019 XX/XX/2019XX/XX/2019 I have these hard inquiries when I called and said they were not taking it off I did t apply for these at all

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I had a XXXX XXXX XXXX checking account and had sold a phone online and was paid with a cashiers check in which I deposited into my account and it had cleared with the available funds. This was in XXXX of XXXX. In XXXX of XXXX I also had a XXXX XXXX   checking account that became overdrawn and fees piled up from my ex wife using my card. I also had a checking account with US Bank in XXXX of XXXX that has the account closed and labeled account abuse for I have no idea why. I have a XXXX XXXX XXXX   account on my report that was closed in XXXX of XXXX, because again, I sell things online and received a cashiers check that apparently never cleared. I also have multiple banks with inquiries under my name and social that I never requested, such as XXXX in XXXX of XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX in XX/XX/XXXX, the XXXX XXXX XXXX in XX/XX/XXXX as well as XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX installment XX/XX/XXXX. All of these transactions were done without my knowledge and not by me.

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 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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 2019-10-14
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have 3 private loans open with Navient they have been since XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX from XXXX XXXX XXXX college. 
The one loan is for XXXX, XXXX which was originally for XXXX. The other Loan for XXXX was for XXXX the last was XXXX and was XXXX the loans have never went down only went up over an 12 year period.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: TMX Finance LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Was approved for a loan, but didn't receive money

Complaint:
i applyed for the loan in XXXX i started out asking for a smaller amount but the lady told me i was approved for XXXX so i decscided to go with XXXX and pay off all my bills and just have one payment every month but when i found out later i only got XXXX the lady went with me to the bank and i didnt get the money untill i paid my old title loan off so they could get my title i ask them to give me the other money she said i was only approved for XXXX but she lead me to believe i was getting XXXX i didnt know untill i went back to the office i only recieved XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: HW Holding, Inc
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my second and last complaint regarding Hunter Warfield to Consumer Financial Protection Bureau. Hunter Warfield responded to my last complaint which is below advising that they have ceased communication and reflected this on my credit and that they are not re-aging this " debt '' but they are indeed doing just that. Hunter Warfield removed this debt from my credit in XX/XX/XXXX and placed it back on my credit report dropping my credit score 42 points as though this was a new delinquent account.Hunter Warfield has caused me much anguish by reporting an invalid debt to the credit bureaus. Hunter Warfield occasionally removes and then re-inserts this invalid debt in order to illegally re-age this erroneous account. Hunter Warfield is reporting this item as an OPEN account. I never received notice of this debt from Hunter Warfield. I applied for a home loan and was denied due to this criminal act by Hunter Warfield. Hunter Warfield is claiming that I owe them {$3100.00} on a debt with an account number of XXXX. I have disputed this account with the credit bureaus and Hunter Warfield. My first debt validation letter was sent to Hunter Warfield on XX/XX/XXXX Tracking number : XXXX XXXX XXXX XXXX XXXX, I received a response back from a XXXX XXXX advising me that a contract with my signature stating that I owe them the debt was enclosed in the envelope. It was not enclosed in the envelope. This was just another one of their deceptive tactics. They did not enclose a contract with my signature on it because it does not exist. I then sent Hunter Warfield a second request on XX/XX/XXXX Tracking number : XXXX XXXX XXXX XXXX XXXX, requesting that they provide me with proof that this debt belongs to me, but I never received a response back from the company and they failed to notify the credit bureaus that I was disputing this frivolous account. After several failed attempts with disputing this account with Hunter Warfield, I decided to dispute the account once again with the credit bureaus. I sent a certified letter to the credit bureaus requesting that they re-investigate this erroneous account and that they provide me with proof that this account belongs to me. I then received notification that my dispute was updated by the credit bureaus but the account for Hunter Warfield is still being listed on my credit file. This is a direct violation of FDCPA, FCRA and OCPA. This wrongful reporting has not only negatively impacted my life ; it has also had a negative effect on my family as well. I request the immediate removal of this account from all credit reporting agencies whom has been notified.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation