BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
When I refinanced my mortgage loan I paid a heavy price through the high interest rate and the inflexibility of my mortgage servicer. I never understood why Wells Fargo did not modify my loan until I read articles about how Wells Fargo has lost homes due to failures in their loss mitigation process and now it all made sense. I trudged along struggling to make my payments, but years down the road I lost my job and it was impossible for me to keep up with the mortgage payments. I reached out to Wells Fargo for assistance, but they have not assisted me with my mortgage and now my loan is in default and is in foreclosure. I used a non-profit company, XXXX, to compel Wells Fargo to get me back on track, but after six months, Wells Fargo dropped the ball with them and I am now further behind. Wells Fargo just can not get it right due to their poor communication and inflexible process. Things have taken a really bad turn and I am afraid I will now lose my home through foreclosure as their agents proved they are utterly incapable of helping homeowners. I have never had a single point of contact and my mortgage has turned into a nightmare. My income is now better than ever and I can afford a reasonable mortgage payment if given the opportunity to save my home. It is inexcusable the way that they have treated me and I am hopeful that your agency can get them to the negotiation table in a fair and transparent process that will allow me to keep my home.

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 2018-03-26
Company: Continental Finance Company, LLC
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
In late XX/XX/XXXX/early XX/XX/XXXXI logged into my Verve credit card account online and saw 8+ fraudulent charges to my account. I immediately called and because it was weekend was forced to go through an automated system to report the card stolen. The next business day I called in again and explained the fraudulent charges to a representative. She promised the situation would be taken care of within 10 business days and refused to give any additional information telling me that they'd " be in touch ''. It is now almost 3 weeks later and I've heard nothing from the company other than a robo-call notifying me my credit card payment was late! I just called back in and explained the situation to a customer service rep who stated there was nothing in my file concerning this fraud case and that they could do nothing for me. The rep did state he was reversing the late fee on my account, however, he didn't see any information indicating fraudulent charges on my account. After speaking to this representative for upwards of an hour they still could not confirm all the charges were reversed and the late fee is still showing up on my account. This company is CHARGING me for other 's fraudulent behavior and I'm not going to pay for this. They've offered no support and now want me to pay for fraudulent charges.

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 2019-02-08
Company: CL Holdings LLC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have never had a XXXX credit card. When contacted about the debt I replied I was not my debt. They never responded or validated the debt. Instead they reported it to all the credit bureaus after I stated it is not my debt. They robo called myself and my 2 sisters, 3 nieces and parents claiming they are looking for me in conjunction of a lawsuit. 
I have the call taped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-16
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello. I recently sent a dispute to American Express Bluebird regarding unauthorized ATM transactions. They said they havent received my dispute letter. So I will send it through CFPB so I know they will receive it. Im missing around $ 3,000+ In my account. Im attaching the letter I sent. The transactions Im disputing are in the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is not a duplicate complaint : This complaint is based on information obtained from the company. I am legally entitled to file a new complaint based on inaccurate or non-existent information. 

Cashcall refuses to provide the documents that they claim verify the debt. They have conflicting statements regarding communication attempts and can not provide verification of those either. They claim the documents and loan originated from an IP address ( XXXX ) that is not in service anywhere near where I live and work. This loan has been contested over 6 years. The company claims I owe $ XXXX in one statement and then $ XXXX in another. The company claims to have made courtesy calls, that XXXX XXXX XXXX has no record of. The company claims to have forms and documents that they can not provide. 

Based on the information provided in complaint XXXX and prior complaints which is incorrect, I am filing a new claim. These are not redundant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: Experian Information Solutions 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:
Since XXXX, I have been trying to get an erroneous Bankruptcy removed from my Experian Credit file. After numerous complaint, Experian stated that the United States Bankruptcy Court Eastern Division in XXXX, CA verify that a Bankruptcy belong to me. 

XX/XX/XXXX, XXXX removed the Bankruptcy from my credit file. Experian received the incorrect information from XXXX XXXX. 

XX/XX/XXXX, I received a letter from the United States Bankruptcy Court Eastern Division in XXXX, CA, stated that the did not report information to credit bureaus. So how did Experian verify my account status for the last two years.

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 2019-02-08
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had a loan with One Main Financial for a few years making monthly payments, never seemed to decrease the balance. We came to a Settlement agreement of {$4900.00} agreed upon, XX/XX/XXXX, Payment attempt made, unfortunately had an emergency come up that affected the payment, no communication from One Main other that a Monthly statement that only stated the amount of {$4900.00}. Finally on XX/XX/XXXX we were able to make the payment of {$4900.00} and wrote in the Memo and on the payment stub, " Paid In Full ''. One Main has accepted this payment and credited it to the Account, however they are stating that there is still a remaining Balance of $ XXXX and that the account is not closed and paid in full. This information was provided by the Customer Service Rep, when I asked to speak with a Supervisor / Manager, and VP, Executive ETC. that could help with this matter, I was told that all the supervisors were at lunch and that there was not a Executive or VP or Higher within the company that I could speak with. The only help that they offered was to set up another settlement for the $ XXXX that they are saying, I still owe with no written documentation sent to me. 
and the offer to modify the amount which I declined, because they are Now PAID IN FULL, and this account needs to reflect this. 
I have paid well over the borrowed amount between the monthly payments that were made for 4+ years and the settlement of {$4900.00} On a total amount Borrowed of {$5000.00} As far as I am concerned ( and I believe there is a law stating this ) the payment of {$4900.00}, was credited to the account on XX/XX/XXXX and was accepted as a " Paid In Full amount '' as indicated on the stub and Check that was accepted and deposited. 
This account needs to be closed and settled as {$0.00} Balance One Main is  a bad loan company that takes advantage of people that are in need at the time and do not have established credit

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-08
Company: Credit Consulting Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX billed unreasonably for my annual XXXX   preventive care check-up in 2015, which should be 100 % covered by my insurance. They even sent this to a collection agency, Credit Consulting Services , Inc . 

I have been working with a 3rd party investigator, XXXX XXXX XXXX ( prior XXXX XXXX XXXX XXXX ) to resolve this on behalf of me with the XXXX XXXX XXXX and Collection Agency. Neither the XXXX XXXX XXXX nor Credit Consulting Services , Inc. collection agency provided a reasonable answer and still demand me to pay a bill that I didn't owe. 

It's been more than 3 years and it still hasn't been resolved. It has affected my credit score tremendously, drop 60 points. -very frustrated consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Law Offices of Robert A. Schuerger Co., LPA
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received notice that a law suit by Ohio Att General was filed. After I did my research I show the filing amount for the document is {$1600.00}. I reached out to and was advised I was being sued for the total amount of {$6400.00}. This was confusing to me as the court website appeared different. I advised it was impossible to pay the full amount and wanted to look into my options to avoid court as my state taxes have been taken since 2018 to be applied to this debt. I inquired about options and informed I will have wages garnished due to another judgement against me and I was not sure how this would effect me. Each time I mentioned wanting to know options to resolve in avoid court I was asked what I could afford. I explained my yearly tax returns are my extra money and being that they were already being applied I thought that would be okay. I inquired about a possible settlement and was informed that they wouldnt even know what would be acceptable settlement. I was informed to wait until Im served with the court notice and call back in a week or so. I felt that the attempt of collecting more than what appears on the court website as filed is misleading and unfair. I feel that since payments are being taken from my taxes over 4 years the act of still suing is unfair practice. I feel that telling me options are available but not providing those options and insisting on waiting until Im served is unfair and misleading. I was informed total debt owed to original provider was close to {$5500.00}, I was informed since 2018 {$600.00} plus interest has been billed and since 2018 a over {$1000.00} has been taken still owing {$6400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: WELLS FARGO & COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account position ( WELLS FARGO CARD SER Opened : XX/XX/2016 ) ; that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08
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: Was not notified of investigation status or results

Complaint:
I requested a copy of my credit report two weeks ago i have not recieved my copy by mail. Equifax has not updated my credit report in three months. Equifax is in voliation of FTC laws governing my credit file. Equifax has not provided documention for any of my recent disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert from XXXX XXXX saying a collection was added. I had no knowledge of the collection until I received the alert from XXXX XXXX. I never received a phone nor letter advising me to dispute the validity of this debt. It is affecting my credit and need it removed. Im supposed to receive notification to dispute, and if I dont respond within 30 days then it can be added to my report, instead they added it without giving me the opportunity to dispute the validity of the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I lost a home to foreclosure in XXXX. The last payment that i made was XX/XX/XXXX. This is reflected on my credit report. This is accurately reflected on Credit Report provided by Tansunion. This is also reflected on credit reports provided by them, to me in XXXX. 
Yet Trans-Union continues to report late payments of 180 days on a mortgage that is now over 10 years old. On XX/XX/XXXX I first spoke with XXXX, then with her Manager XXXX XXXX, who explained to me that until XXXX XXXX XXXX reports the information using the correct term " date of first Delinquency '' rather than " date of last payment '', this will remain on my report indefinitely. Date of first delinquency is XX/XX/XXXX if last payment made is XX/XX/XXXX. But because that exact phrase was not provided i am told the information is accurate. 
I also called XXXX XXXX XXXX, but after being transferred from 3 different departs, i was sent to a dead connection. This information by law should have been removed no later than XXXX, yet it continues to report today and apparently will always be on report. They have the info needed to correct but refuse to do so. Its crazy that such an incompetent company has so much power over a consumers financial future. continues to cost me thousands of dollars in over interest rates and refusal of credit. 
The other reporting agencies each removed this information yet Transunion continues to report outdated information and say they will do so indefinitely. Those are their words not mine

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 2020-05-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
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:
Portfolio Recovery Assoc XXXX - This debt is past the statute of limitations and should no longer be reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: I.Q. DATA INTERNATIONAL, INC.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was contacted last week about owing XXXX for breach of contract on an apartment I had just moved out of. I was very upset, since I knew for fact my contract was up. For XXXX days they called me and i told them this and told them I would get with the apartment management which I did and that I had poof that I was not in breech of contract. They tried to use scare tactics telling me about it following me on my credit and that it probably wouldn't matter what I did or said to prove it was wrong I just needed to pay it. When I finally disproved them then they told me the debt was for something else and yelled at me over the phone that it would just go on my credit. I have never been talked to so rudely and harassed for something that I know I am in the right for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
Company: I.C. System, Inc.
State: FL
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 started a plan with XXXX telephones. I had 30 days to evaluate their service. I did not like the service and returned the phones to a XXXX store. I was informed that I was cleared of any obligations. They have been reporting on my credit that I never returned the phones. I spoke with XXXX many times on them looking in their warehouse or receiving or the store. I was met with they are not obligated to do so. They are reporting that I never returned the phones when they have the ability to search for them and are refusing.

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 2021-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am submitting this complaint because this company is reporting outdated, inaccurate, unfair information on my credit report. I have disputed this account on multiple occasions an nothing was never sent to me to verify or validate this debt. I 1st disputed this account back on XX/XX/XXXX.Then after no response I disputed it again on XX/XX/XXXX.Its now XX/XX/XXXX and I still haven't received sufficient verification on this XXXX XXXX account they are reporting. I also have proof that the other 2 main credit bureaus have removed this account because it was reporting incorrect on my credit profile. Why is Transunion still reporting this information? According to the FCRA all accounts reporting on my credit report should be accurate and verifiable.

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 2020-05-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My bank, USAA, closed my account and charged off my credit with no warning or reason given for the closure of my account. Furthermore, they asked me to write a letter explaining my problems ( losing my job and XXXX XXXX issues ) only to find out there was never any way to reopen that account. They continue to negatively affect my credit while not giving me any recourse for paying off my remaining credit card debt and sending me to collections if my payment is only 1 day late. I feel as though I am being discriminated against because I am struggling financially. USAA continues to give me no reason for the closure and generally treats me like trash when I attempt to gain insight into the issue. I was a USAA member for 17 years! They email me things saying they will support people during these times, but none of these services have been applied to me. I would like some assistance in fighting this and repairing my credit. Again, I feel like this is unnecessarily being done to me, and I still to this day have no idea why my accounts were closed. I don't have any documents or dates at this time as I am displaced during the virus but I can share those at a later date.

Company response to consumer: Closed with explanation