BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-19
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/19 at XXXX XXXX, I called Midland Credit to discussed a Hardship with my XXXX XXXX card. The women that I spoke to asked me why was I delinquent on my account. I informed her that due to my husband having a XXXX, I had to take early retirement Social Security to take care of him and had very little income.she stated that she couldnt help me because my account was with a law firm and than went on to ask me personal questions about my husband and myself! She questioned my ability on why I couldnt continue making payments and belittling me. I expressed to her that she was asking me personal information and it was inappropriate. I asked to speak to her manager and she was the same way!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14
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: Information belongs to someone else

Complaint:
THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013. 

2. Chapter XXXX  Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013. 

2. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013.

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 2017-11-27
Company: WELLS FARGO & COMPANY
State: FL
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:
On XX/XX/XXXX, my Wells Fargo 2nd Mortgage account ( HELOC ) switched from a 12 month fixed introductory rate to a standard flexible rate. Per Wells Fargo, this rate change prompted a temporary erroneous reported balance increasing the amount by {$120000.00}. I contacted Wells Fargo to ensure the reported balance would be corrected and asked for confirmation that they would not report the erroneous balance to the credit agencies ; Wells Fargo verbally confirmed that I would not be impacted from a credit reporting perspective. 

On XX/XX/XXXX, Wells Fargo corrected the account balance amount crediting my account {$120000.00}. My Wells Fargo account has shown the correct balance ever since. The ISSUE is that contrary to what XXXX XXXX confirmed to me, they have in fact been reporting the erroneous account balance to all of the credit agencies. Since XX/XX/XXXX, I have been in contact with Wells Fargo several times in an attempt to fix this. A case was opened through the Wells Fargo Executive Office to address this and I received a phone call on XX/XX/XXXX, to notify my that the case was being closed and all actions have been taken to correct the issue. 

My grievance and concern is that the issue has not been resolved and I continue to be negatively impacted as a result of Wells Fargo 's inability to correct an issue they created. My credit score has decreased and I do n't know how else to fix this. As of XX/XX/XXXX, my HELOC account balance is {$11000.00} ; all credit agencies are reporting an outstanding balance of {$230000.00}. 

Ever since first entering into a relationship with Wells Fargo in XX/XX/XXXX, I 've felt that I 've been mistreated and taken advantage of as a customer. I was asked to open a checking account and verbally obligated to opt for automatic account payments in order to qualify for my mortgage. Earlier this month, I was finally able to cease automatic payments after Wells Fargo made another mistake debiting my account twice. 

This is all unacceptable and I am tired of being mistreated and negatively impacted by Wells Fargo. I have never experienced such a level of ineptitude and bureaucracy with a financial institution.

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 2018-03-19
Company: SYNCHRONY FINANCIAL
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:
Hello, I was recently notified by my credit monitoring service that a new inquiry had showed up on my credit reports. The offending company is XXXX XXXX. First of all, I did not authorize this inquiry. Secondly, I continuously have an extended fraud alert in place at all three credit bureaus, which specifically states that any company who checks my credit must call me and speak to me personally due to a previous identity theft. I can guarantee you that XXXX XXXX can't and won't show you their phone records because they never one time called me, therefore violating several laws designed to protect me as a consumer. On XX/XX/XXXX I sent XXXX XXXX a letter stating that I did not apply for credit with them and let them know I had been a previous victim of identity theft, and to please remove the unauthorized inquiry. On XX/XX/XXXX XXXX XXXX sent me a letter stating that they will not remove this inquiry.

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 2019-04-30
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech misplaced a payment, in XXXX. In the meantime they charged me {$290.00} late fees over 7 months. But mind you my payments were paid on time each month. They credited me {$230.00} for these late fees. Where is my other {$64.00} that I was wrongfully charged? 
And due to Ditech thinking I was paying late each month, they took any additional principle paid and added it to interest. So they have managed to take over {$350.00} of my money that they did not have a right to. 
Another problem is they had my street address on my statements, and we do not get street mail delivery, but no one could try and find out why these statements were getting returned. So I got no notice of any thing. 
They have since sold my mortgage to some one else and I have no idea who because I have not gotten any notice. I asked them to email a copy and they have yet to do that. I do not know who to send my mortgage payments to. 
They refuse to do anything to help me and went so far as to have a supervisor hang up on me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: FIRST NATIONAL BANK OF OMAHA
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a mail offer for a credit card from First National Bank of Omaha for a XXXX XXXX credit card. The offer stated that there would be a 5 % transfer fee on all balance transfers and then an 8.99 % APR for the life of the transfer if done within the first 3 billing cycles. I applied and was accepted. After receiving my card the terms were different. They stated 0 % XX/XX/XXXX until XX/XX/XXXX then 23.99 % after that. I called the credit card company and they advised their original offer was a " typo '' on their end. I then contacted the BBB and 2 weeks later on XX/XX/XXXX I received a letter from First National Bank of Omaha saying they will honor the original terms. And, the interest would be 0 % until XX/XX/XXXX and transfers would be 8.99 % after that for the life of the loan. Today is XX/XX/XXXX and I am still unable to make the transfers because the bank has not fixed the terms on their end. I am accruing interest on the cards I want to transfer daily. I just want them to do what they said they were going to do. I have called and sent several emails to the bank and have spoken with countless managers and supervisors. They have all stated that they do not know when I will be allowed to make the transfers because they do not know when the terms will be updated. This is ridiculous. I do not understand what is taking so long. Please help.

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 2021-02-20
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Midland Credit Management , Inc has been calling and harassing me for weeks. I have sent them a cease and desist letter multiple times, the last one by certified delivery via XXXX with a signature required and tracking showing it was delivered. This company has called me multiple times a day, every time they call its from random phone numbers. Its never the same number, when I answer the first thing they say is Dont hang up or you will be sued. - they have also sent me multiple letters threatening to sue me for a balance that they have yet to very that I owe. I submitted to them in writing a denial of debt letter and a request for verification and proof of debt, they have refused to respond to. They continue to send me threatening letters indicating they are going to file a lawsuit as well as indicating that my credit will be impacted by such lawsuit. If I refuse to provide them with my personal information over the phone they immediately hang up on me. This company has been harassing me for months!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-27
Company: JPMORGAN CHASE & CO.
State: NC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
i purchased a piece of software called XXXX that claimed to allow me to reset my forgotten password to my home computer. it was scam software. I tried to dispute the charge to my chase cc rep. they asked for my phone number so they could send a security code they claimed they were having difficulties sending the text and would call me back. did not happen.i called back they hung up. I called back they did the same security code thing again. asked how is sending a security code text to a number I provide prove who I am. I asked to accept my dispute claim. they refused

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: TRANSWORLD SYSTEMS INC
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:
Trans World Services has been calling me for 4 years to collect a debt by a person that previously had my phone number. I tell them every time that they have the wrong number and they continue to call me. I am getting phone calls with an increasing frequency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Experian Information Solutions Inc.
State: FL
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:
My personal information had been stolen and account had been open in my name, I have been a victim in recent and passed data beaches, I had file an id theft report with the FTC, and I'm requesting these information to be block from my credit file.

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 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a three way discussion with a rep from their company, XXXX, as well as XXXX XXXX. XXXX was deducting my payment daily and sometimes several times a day. XXXX XXXX stopped this action. The cause was investigated and XXXX said on a recorded call that once XXXX released the stop hold for the 3 ACH payments, they would close the account 'as a courtesy ' and Paid in Full. I called three additional times to confirm they had payment once XXXX released the funds, once per week. They said it may take up to 30 days for them to receive it and in the mean time, they refunded one payment of {$42.00}, added interest charges and then sent it to collections. XXXX is aware I am on a do not call list, and do not consent to their calls. They provided my EMPLOYER PHONE NUMBER to the collections group in retalliation. Over {$62.00} and a verbal agreement they did not follow through on. 

Despite honoring my end of the agreement and XXXX releasing the 3 ACH 's back to XXXX, they sent my account to collections over {$62.00}, the amount of 1 ACH debit and fees. I have a ding on my credit since they closed the account as a charge off. It is no such thing. 

Should be Paid as Agreed, and XXXX needs to honor their end of the deal. Remove the account from collections and close as agreed. I will be filing a complaint in addition to this one with the Attorney General next and utilizing the call records if XXXX does not honor their end of the agreement.

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 2020-05-04
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX I was told my loan will go into deferment so I wasnt going to have to pay anything for XX/XX/XXXX as I look at my credit report I see I have 2 late payments on my credit report from XX/XX/XXXX and XX/XX/XXXX before my loan actually went into deferment in XX/XX/XXXX I feel like if I wasnt told that it will go into deferment I would have continue to pay as much as I could on my loan until it actually went into deferment

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Premier Student Loan Center
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I sent my complaint to you and you forwarded that to Premier Student Loan Center who responded incorrectly but you accepted that and closed the case. Is this how you do business and if so, I guess I should not be surprised since you are a government agency. My complaint was NOT the fee but the way in which the fees were to be set up. My complaint was NOT the fee but the misleading information regarding how I would now be set up to repay the loan. It clearly states that from the beginning, I would pay {$240.00}. for the first 4 months ( their fee ) and {$100.00} thereafter for the next 120 months. THE XXXX CHANGED TO {$230.00}. I was also quoted {$70.00} and another {$30.00} which totals the $ XXXX monthly payment. When I asked for an explanation about this and where does the {$100.00} appear, I received a general response that did n't feel right. That 's the issue that should be questioned and this information was stated in my first correspondence. If you are there to protect consumers, how the XXXX is this protecting consumers?????? Companies should not be permitted to pray on consumers such is what happened in 2008 and why to were created. People were mislead and provided with XXXX  information yet it appears that it is allowed to continue WITHOUT PROPER OVERSIGHT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: EQUIFAX, INC.
State: FL
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:
My personal information had been stolen and account had been open in my name, I have been a victim in recent and passed data beaches, I had file an id theft report with the FTC, and I'm requesting these information to be block from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Refinance XXXX with Bank of America. I didn't XXXX my house was only XXXX at the time. I received XXXX. My address was changed with the postal service without my knowledge. Have letter from postal service for identity theft. My loan is at XXXX. I didn't receive that money. I been having identity thief for over 20 years. Didn't know how serious it was. Was t paying g attention. XXXX  my only daughter XXXX In XXXX my mortgage was XXXX still have coupon book

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 2021-06-03
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:
The agency is inaccurately reporting two 30+ day late payments for the months of XXXX and XXXX of XXXX. The due date for this loan is the XXXX of each month. I have attached receipts showing that the XXXX payment was made on XX/XX/2020 and the XXXX payment was made on XX/XX/2020. Additionally, I have an email from the credit union responsible for this loan that clearly states the months prior to XXXX and XXXX were current. 

I have disputed this information with Experian and they refused to make changes to my credit report. They suggested I dispute again with supporting documentation, but provide no means to add supporting documentation. The documentation showing the above is attached.

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 2018-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2014 ... .XXXX XXXX XXXX XXXX {$130.00} XX/XX/2014 .... XXXX XXXX XXXX XXXX {$930.00} XX/XX/2014 .... XXXX XXXX XXXX {$2400.00} I have no recollection of these accounts and are not mine. I have contacted these places to have removed and they were not helpful in any way

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Our score suddenly dropped so high with Transunion when we have a high score with the other 2. They explained in a way that non sense. It went back to the problem that was solved a long time ago. I asked why in a month dropped so low when I have a high score with XXXX and 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 2019-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My personal information had been stolen and account had been open in my name, I have been a victim in recent and passed data beaches, I had file an id theft report with the FTC, and I'm requesting these information to be block from my credit file.

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 2021-06-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XX/XX/2021 at XXXX tried to access ATM at XXXX XXXX XXXX In XXXX CA. After downloading XXXX app for access I tapped on ATM system prompt. Immediately Error popped up stated sorry, this feature doesn't work right now. 

Called phone CSR at XXXX XXXX  same day and took 16 minutes to Get rep. Rep was stating I had to be at location? I gave address and filed complaint to be noted. 

Why can I not access ATM without card? This change is only since XX/XX/2021. This is not accessible banking.

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