BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-07
Company: Seterus, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX Mortgage servicer : XXXX, XXXX I requested to be mailed a paper statement each month since their website does not allow me to see any information regarding my account. They also do not report my mortgage to any of the three major credit bureaus. I made the request for the above two items. They stated because I had filed for bankruptcy in XXXX ( XXXX XXXX ) and the home was never included in bankruptcy, that they will not mail me a paper statement or report my mortgage to the credit bureaus. They told me to send a letter to their correspondence Dept which I will do. They will not talk to me however, but only through mail. And it will take 30 days to respond to me. I do not understand why they cant do these two requests since I have had other mortgage service companies prior and our bankruptcy never prevented my ability to obtain a monthly statement or for them to report to the credit bureaus. Please advise what recourse I have. I deserve to be able to receive a paper statement from XXXX and for my payments and payment history to be reported to the credit bureaus. 

Their correspondence department address : XXXX XXXX Correspondence Dept XXXX XXXX XXXX XXXX, CT XXXX 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 explanation
Consumer complaint received 2021-02-12
Company: Resurgent Capital Services L.P.
State: TX
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 was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XXXX XXXX is my loan provider. I have XXXX at 11.875 % rate. I have asked XXXX XXXX to provided me with a full amortization schedule to show how much i would pay every month in interest and principle for the life of my loans. They refuse to do that and refuse to give me the calculation they are using to determine my monthly payments. So for all i know they are charging me more than they should be while going unchecked. This company should not have the ability to charge such a high rate on government funds. They are my smallest loan amount but largest payment. I am barely keeping my head above water with all my debt and i can not do anything else to help my situation. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: Screening Reports Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2017, Screening Reports company did a hard inquiry on my credit on behalf of XXXX XXXX XXXX XXXX  located in XXXX Delaware.This was wrongfully done because I only lived there as an occupant not tenant. I have never applied for an apartment with XXXXXXXX XXXX XXXX XXXX. I contacted the apartment office and they acknowledged their mistake but still told me nothing can be done to fix it. I called the screening reports company that ran my credit and explained the situation and even attached a letter and send it to their disputes department via email as attached below. Screening reports company kept asking me to get a deletion letter from XXXX XXXX XXXX XXXX. Im not able to do this because the apartments office has told me several times there is nothing they can do to fix this. This is damage to my credit reports with the beaureaus and has directly affected me over the years. It is not fair and Im asking for justice. Please help. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2020-06-05
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt Collection agency LVNV funding is incorrectly reporting a collection on my credit. I had a credit card, it went to collections, but then I went to a XXXX XXXX XXXX program, a program that helps pay the debts off for less than whats owed. LVNV is still reporting to XXXX  that I owe them, when the debt was already settled and paid by XXXX XXXX XXXX. I contact XXXX  to dispute the collection. Its only being reported on XXXX. Nothing on XXXX  XXXX  or XXXX. XXXX  will not remove it. I need help getting it removed from XXXX  report because its already settled with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Mountain Land Collections, 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: Account status incorrect

Complaint:
Mountain Land Collections is reporting a debt on my credit file that is not mine. They are reporting a hospital visit dated for a time where I was not able to be there. At the time of said visit I was actually incrassated, while I was incrassated someone stole my identity and used it for this medical visit. I have filed a police report, # XXXX with the XXXX police department. This is not my debt, I do not owe this debt, and I demand this debt be removed from my credit file. It is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I previously disputed this collection in 2016 and it was removed from my credit report. I never received any documentation stating that this debt was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Atlanticus Services Corporation
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX this creditor has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy .15 USC 1681 Section 604 A Section 2 : It also states a consumer without my written instructions. 15 USC 16666B : A creditor may not treat a payment on a credit card account a open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: WELLS FARGO & COMPANY
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since about XX/XX/2017, receiving Toll Free Number XXXXor XXXX telephone calls up to 3-4  times per day on my direct line for work, days and weekends.Calls begin as early as XXXX and as late as XXXX. Recording is heard when phone is picked up so unable to request that they stop calling 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 non-monetary relief
Consumer complaint received 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXXXXXX XXXX  Account # XXXX I was never late, 30 days XX/XX/XXXX, 60 daysXX/XX/XXXX, 30 daysXX/XX/XXXX, 30 days XX/XX/XXXX, or 30 days XX/XX/XXXX. 

Im not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.

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 2021-02-12
Company: Carvana Group, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
I am being severely financially abused by the car dealers. They are sharing my information and allowing strangers to say rather or not I should be allowed to buy a vehicle. I have already been preapproved with the financing dept and have an excellent credit rating, no missed payments, ever. There is an abuse from the company itself and others who have contacted them saying they are decision makers for my finances. " She isn't allowed to ... '' I am a fully grown adult and the information pertaining to the purchase of the vehicle shouldn't be shared with anyone. There is also someone saying that I am not who I say I am, and that they don't know who I am ... I'm not my own identity and they are abusing me inside my home regarding a purchase made on the internet. The car company is ignoring me and will not respond at all. I have cash and they will not deliver an automobile and they are trying to say that they don't want me to be able to leave my home with intentions to do something to me inside the house. The car company is allowing this conversation to continue rather than completing the interaction for the purchase and using this as an " example '' of why they will not be allowing my child to come home, they have XXXX  my son and are saying that because I tried to purchase a vehicle that my son will no longer be coming home. The child is crying and has been XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi, I am contacting the CFPB and credit bureaus to update my personal information and remove any names, addresses, and phone numbers I am not associated with. 
Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-08-23
Company: WELLS FARGO & COMPANY
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
One year ago I bought a couch at XXXX XXXX XXXX and they set up a 12 month interest free loan to pay off the couch. I have received bills monthly from Wells Fargo to pay off the couch that asked for a minimum amount of {$84.00} ( this should have read " recommended amount to pay-off in 12 months = {$210.00} '' ) Since I did not pay off the couch during the 12 month interest free timeframe, I got charged an additional {$680.00}. But I find this deceiving since the bills that I received never asked for more than a minimum payment. 
I understand now that this is a deferred interest loan, but it seems like I was set up to fail and pay the {$680.00} interest on the loan. 
I reached out to Wells Fargo who I have been a customer with for almost 25 years and they were able to decrease the interest payment to {$510.00} if I paid the loan in full amount of {$1700.00} within 72 hours, which I did just to be rid of another bill and more unseen fees

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 2020-06-25
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, My mortgage loan is with Flagstar Bank. In XX/XX/2020 they offered payment relief due to Covid-19. I was out of a job because of the pandemic so I applied for it and was approved for 6 months forbearance, my next mortgage payment would be due on XX/XX/2020. I few days ago on XX/XX/2020 I received a letter from flagstaff saying that I am in delinquent status and owe over {$8000.00}. I also was notified that my credit score had gone down due to this. When I originally applied for forbearance flagstar told me that not only is my payment not due until XXXX, this wont be reported to credit bureaus. Everything they told me was a lie.

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 2018-10-05
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, Wells Fargo Bank closed my personal credit card account without any notice. On XX/XX/XXXX, when I was looking at my online banking account, I noticed that my rewards were at XXXX ( I had a little over XXXX reward points ), and a brief memo was just below my credit card # stating that the account was closed and if I had any questions to call the number noted. I was in shock and furious! I called the # and spoke to XXXX from the executive offices. He said my account was at risk and therefore needed to be closed. He could not give me any further reason and he also said that they can close an account without any reason, but that I should be getting a letter in the mail.

Today, XXXX I received the letter. The letter states, " Wells Fargo regularly reviews its customer relationships in connection with its responsibilities to oversee and manage risk in its banking operations. After carefully reviewing the risk related to your account, we must advise you that your account is being closed immediately and no additional transactions will be permitted. This decision is final and can not be changed. Wells Fargo 's risk evaluation processes are proprietary and can not be shared ''.

I have had this card for about XXXX years, my FICO score with WF is XXXX, my credit card balance was {$430.00}, I have never been late on ANY payments and I always pay off my balance. I have over $ XXXX in their bank in a savings account. I have text and email alerts on all of my bank accounts with Wells Fargo.

On XX/XX/XXXX, I made an appointment with a Wells Fargo Banker at XXXX. She was on the phone for appropximately 45 minutes getting transferred to several people then finally ended up talking to the executive offices and they too told her that they couldnt give her any information on why my credit card account was closed. When I asked her to ask them that I wanted to see it in writing, that they can close a consumers credit card account at anytime for no reason they told her that it was in the brochure when I received my credit card. Really??????? Who keeps their little brochure with the fine print for XXXX years? That's absurd! I had a credit line of {$14000.00}. I'm also upset about losing all of my reward points! They can go ahead and close my credit card, but I want ALL of my points!

If they don't give me my reward points, then I will take all of my money out and put it into another bank. I have been a customer of theirs since 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 monetary relief
Consumer complaint received 2018-03-09
Company: Experian Information Solutions Inc.
State: TX
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:
I have credit reports from Experian that show incorect information disputed and they did nothing did it by phone mail and online they said nothing and gave me nothing I have XXXX to XXXX on all credit scores Experian with no bad credit just great credit for open and paid off accounts and they are lieing to people I am getting credit reports saying I have a XXXX credit score when I just got a home loan they said I had higher then that so Have proof of them giving fraud information to companeys and the score with them has been XXXX for 15 years never changed I have proof of that as well

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 2019-02-03
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX XXXX {$690.00} est XX/XX/XXXX XXXX XXXX XXXX   {$140.00} XX/XX/XXXX XXXX  XXXX  {$4300.00} XX/XX/XXXX inquries XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX addresses XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX, pa XXXX XXXX XXXX XXXX  XXXX XXXX pa XXXX I was victim of identity theft and the bureaus did not remove all the info associated with this crime. I filed identity theft report in XXXX XXXX. please assist me in removing all negatives due to identity theft

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 2021-08-23
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking and savings accounts with TD Bank based on an advertisement received in my mail with the promoting message " Open your account to earn up to {$500.00} today! '' To earn the {$500.00}, in XXXX of 2020, I went to the website " XXXX '' to open the accounts. I met the required conditions as stated in the advertisement. 
- {$300.00} for when open a TD Beyond Checking account and have {$2500.00} in direct deposits within 60 days. 
- {$200.00} for when open a new TD personal savings account, deposit at least {$20000.00} in new money in the first 20 days and keep at least a {$20000.00} balance for 90 days. 

After many months, I never receive the money as advertised. I called TD Bank consumer services and was informed that it takes 3- 5 business days to resolve the matter. This never happened. The second time I called, I was advised the same message that it will be resolved in 3-5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX {$690.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$140.00} XX/XX/XXXX XXXX XXXX {$4300.00} XX/XX/XXXX inquries Transunion XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX addresses XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX, pa XXXX XXXX XXXX XXXX  XXXX XXXX pa XXXX I was victim of identity theft and the bureaus did not remove all the info associated with this crime. I filed identity theft report in XXXX XXXX. please assist me in removing all negatives due to identity theft

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