BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home was impacted by hurricane XXXX.I called Wells Fargo and made arrangements for my next payment to be the XX/XX/XXXX billing statement.I received notification that this arrangement was made via email...I just received an email below stating I missed my XX/XX/XXXX paymentI called three different departments at Wells - probably on hold a total of 75 minutes - spoke with a customer service agent who couldnt help with anything for about 3 minutes verifying information...Not a single person I spoke to could confirm the arrangement - move my payment to XXXX and waive a late fee.

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 2017-12-19
Company: American Coradius International LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Affidavit of Denial XXXX XXXX XXXX COMMONWEALTH OF XXXX XXXX OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. THIS IS NOT A DEBT VALIDATION LETTER Date : XXXX/XXXX/XXXX Dear American Coradius International LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account Number : XXXX Reference Number : XXXX Amount Balance : {$5600.00} FTC Identity Theft Report Number : XXXX Victim Fraud Assistance Department I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. I deny this debt as I am a victim of identity theft. 

Please provide me with the following : 1. Agreement with XXXX XXXX XXXX that authorizes you to collect on this alleged debt 2. The original non-electronic agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete non-electronic scan payment history on this account along with an accounting of all additional charges being assessed 6.  Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ). If your office fails to reply to this denial letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received an email from Genesis debt collectors on XX/XX/20 that I owed a debt. I was then called one single time by XXXX XXXX while I was at work on XX/XX/20. On Friday XX/XX/20 she called my place of employment 3 times trying to get ahold of me. I told her that I was unable to talk at that time and I would call her when I got out of work after XXXX XXXX. When I called her after work she proceeded to attempt to force me into placing the $ XXXX debt on my credit card in order to save my credit and I didnt qualify for a payment plan as I have not personally been effected by COVID-19. She then proceeded to bully me into gathering my card number and information and post-dating a payment for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I purchased an XXXX XXXX XXXX XXXX XXXX XXXX from XXXX ( direct from XXXX ). I paid using my Apple Card and put the phone on an interest-free installment. The toal amount I paid was {$87.00} for taxes and fees plus the first installment. I agreed to be billed {$22.00} for 24-months for the remaining cost of the phone. XXXX shipped me a phone and that phone was lost in transit and never received. XXXX  opened an investigation and never found the phone, they think it was lost in XXXX. I contacted XXXX and they offered to send a replacement and they did. I received the replacement on XX/XX/XXXX and it actually arrived broken. There were purple lines on the screen and I returned it on XX/XX/XXXX to XXXX. They confirmed it was received and refused to issue me another replacement phone because of the holiday rush. So, I cancelled the order and requested a refund. After a full month, XXXX management finally calls me and issues a full refund. The problem is that they issued a full refund for {$1000.00}, not the {$87.00} that I paid and did NOT close my installment plan as they promised they would. I contacted XXXX again in XX/XX/XXXX and asked them to fix the issue and to close my installment plan, as I only paid {$87.00}. The {$1000.00} that they refunded I did receive, but it applied toward the balance I already had on my Apple Card, not my installment. The installment is still active and the manager I spoke to at XXXX Senior Management, named XXXX, said that XXXX could not close my installment and they did not care about fixing the issue on my credit card. XXXX told me that XXXX couldn't do anything further and hung up on me. She wouldn't tell me anything else except that she was " XXXX, a manager with XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: EQUIFAX, INC.
State: KY
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:
I have asked XXXX XXXX AND all 3 credit bureaus to investigate some things that are reporting on my credit report.

I have been asking since XX/XX/2019 on more than 4 times!

I will be attaching a screenshot from my most recent credit report. But you can see the following information is reporting inaccurately, on multiple items.

1. Accts type - this is NOT a auto loan. This is a retail sales installment contract 2. The monthly payment is incorrect! I do NOT have a monthly payment, as this has been PAID in full!!!

3. The date opened : XXXX  is reporting different things to the 3 credit burueas 4. The No of months of terms is inaccurate 5. The payment status is inaccurate 6. The Date Last Active is inaccurate 7. The date of last payment is inaccurate 8. The payment history is also inaccurate.

I again have asked them on MULTIPLE occasions to please be sure to report the information accurately and to be sure that if they can't to please update. I will attach every letter that i have sent as well as the most recent reply from them when i asked XXXX  directly to do so and for proof.

They clearly like to play games and not abide by the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: WorldRemit Corp.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX i used World Remit Mobile Money to send some money to XXXX XXXX in XXXX. I have been doing this for months. I forgot the password on my account and so World Remit closed it without telling me or allowing me to fix my password. They asked me to open a new account and would be sending me some papers asking for ID info on the new e mail acct. I never got the forms and I have a transraction number on the funds on the OLD account which i have no idea how that happened if that acct was closed. I called them and would put in the transaction number and would ask me to hit the HOME BUTTON. I have no idea what the HOME BUTTON is on on a land line phone and then would hang up on me before I could talk to anyone. I wrote to them on XXXX XXXX and as of the afternoon of XXXX XXXX I have not heard from them and they have taken the money out of my checking acct. Have called the bank on this and told them not to pay it. I do not understand why World Remit would close acct that I have been using for months just because i forget the password and wanted me to open a new acct and not send me the forms on the new or old e mail addresses. The amount is {$20.00} XXXX XXXX dollars USA ) I had to use an new company to send the money and would like my {$20.00} back from World Remit Mobile money and will not use them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: Experian Information Solutions Inc.
State: WA
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 XXXX, Experian emailed me stating that my dispute was completed. So I checked the results on their website, and found that they deleted the item that I disputed. About an hour later they sent another email stating they updated information about the account that had nothing to do with my dispute, and my credit score was  lowered by 4 points. The company in question is XXXX. It's a charged off account that I have no recollection of, and I have requested that Experian and the company send me proof of some sort of documentation or contract that this is my account. I haven't received anything. Although Experian stated it was deleted, it shows the company is still on my report, and Experian is allowing them to provide recent non payment history although its not my account and its a charge off. This is what lowered my score after Experian claimed to have deleted the account. This account was fraudulently opened in XXXX. I have been unable to reach Experian over the phone and would like answers as to why they stated the account was deleted upon investigation, yet the account is still on my report, lowering my score.

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 2020-05-26
Company: V and H Portfolio
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I want {$1000.00} please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. 
This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. 

Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period * Prove that you're a licensed debt collector * Show me your license numbers and registered agent. 

I would like to inform you that in case your agency has reported invalidated account information to any of the 3 main Credit Bureau 's such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Defamation of character

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-19
Company: FC HoldCo LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Towards the end of XX/XX/XXXX, I bought a used vehicle and received financing through XXXX XXXX. Within the first couple of days ( XX/XX/XXXX ) the car broke down and had to be returned to the dealership for work. They stated that it had been repaired. Right away the car broke back down ( XX/XX/XXXX ) and it was was returned yet again for work. Again they stated it had been repaired. A couple of weeks had gone by and then on XX/XX/XXXX the vehicle again broke down. At this point we claimed the lemon law and demanded to have the dealer take the car back. The dealer took the car back, even offered a new one which we declined. They stated that they would handle everything in regards to this vehicle. Fast forward a few months and I was notified that the auto loan had been charged off on my credit. This is absolutely unacceptable as the vehicle was a lemon car that had to be repair multiple times within a 30 days window of the purchase.

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 2019-06-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.

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 2021-05-19
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/XXXX I attempted to place a credit freeze on my Equifax account as follow-up to an identity theft incident. First, I followed the online process, but at the end of the identity verification process the screen indicated the process could not be completed online and I would need to do it via phone. 

When I placed the call, a robot took me through identity verification and then told me it was not able to complete the process. I proceeded to talk with an actual person who took me through identity verification a third time and then told me she could not complete the process. 

She told me to send a written request along with copies of my drivers license and social security card to : Equifax XXXX. XXXX XXXX XXXX GA XXXX attn equifax security freeze dept XX/XX/XXXX I mailed the above items. 

XX/XX/XXXX Two months later, there is still no credit freeze on my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: EQUIFAX, INC.
State: OR
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: Problem with personal statement of dispute

Complaint:
I was divorced in 2009. Mortgage granted to my ex. quit claim turned over interest of the property to him. Property has been in and out of foreclosure for XXXX years. No papers, modifications or financial info given or signed by me. Loan went from XXXX to XXXX within that time. I just want it removed from credit and a release of liability done. I have called the mortgage company repeatedly thru the years asking them to foreclose. they disregarded them all. and now my financial responsibility with this matter has doubled even though I have agreed to nothing and signed nothing. It is finally foreclosed on and they have nothing further to gain from me. SEE the email below that I sent to them asking for them to ethically make this right. This is the resolution I am looking for. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX mortgage XXXX XXXX  property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: OR
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: Problem with personal statement of dispute

Complaint:
I was divorced in 2009. Mortgage granted to my ex. quit claim turned over interest of the property to him. Property has been in and out of foreclosure for 12 years. No papers, modifications or financial info given or signed by me. Loan went from XXXX to XXXX within that time. I just want it removed from credit and a release of liability done. I have called the mortgage company repeatedly thru the years asking them to foreclose. they disregarded them all. and now my financial responsibility with this matter has doubled even though I have agreed to nothing and signed nothing. It is finally foreclosed on and they have nothing further to gain from me. SEE the email below that I sent to them asking for them to ethically make this right. This is the resolution I am looking for. MORTGAGE Servicer Sps Select Portfolio Services original mortgage US bank property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I sent a request to XXXX Experian and XXXX XXXX ; to investigate errors on my credit report. They are supposed to respond within 30 days. I have yet to receive my responses.

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 2019-03-01
Company: DFC Global Corp.
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: Credit inquiries on your report that you don't recognize

Complaint:
it's fraud I didn't apply for credit cards or loans it was my XXXX XXXX son who lives with me my XXXX  XXXX son doesn't know that my credit and my name and social security number and my address are my own and only for my use due to his XXXX  XXXX hurting his reasoning i don't want to pursue any criminal charges or law enforcement presents in the matter because he's XXXX XXXX hurts his reasoning he wouldn't have known that my credit and my name and social security number and my address are my own and only for my use

Company response to consumer: Closed with explanation