BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-02
Company: Credit Systems International, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  XXXX XXXX XXXX Balance : {$730.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX Balance : {$580.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX  XXXX XXXX XXXX Balance : {$560.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. 

XXXX XXXX XXXX XXXX Balance : {$550.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX Balance : {$0.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

CREDIT SYSTEM INTL IN XXXX Balance : {$260.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

CREDIT SYSTEM INTL IN XXXX Balance : {$150.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

CREDIT SYSTEM INTL IN XXXX Balance : {$150.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

CREDIT SYSTEM INTL IN XXXX Balance : {$150.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I coordinated a sale of a set of tires off a online forum with an individual who called himself XXXX XXXX. We agreed upon a price ( {$550.00} ) for the sale of the tires. He requested I send the money through USAA app via XXXX. I was ok with this since I trust USAA to back me when something goes wrong. I have never had an issue with buying in this manner before off of a forum member. So I sent him the money ( {$550.00} ) through the app so he could then send me the goods. However I once I sent the money he stopped responding to calls, text and email messages and completely disappeared. A couple days later the forum moderator sent me a forum wide message to all people who had been contact with him saying he was using the forum as a means to scam people, me being one of them. I used this information to make a claim to USAA, however they denied my claim and I am now out {$550.00} when I thought I would have protection from my bank for such an occurrence. Any help would be greatly appreciated.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
CASE # XXXX This is a relatively small amount of money but it's the principle of the thing they stop serving breakfast they didn't have what we wanted it's not my fault if you would have pushed them to respond which I know you haven't then they would agree that during the time that I was checking out is when they stop serving breakfast which means that I paid for something I never caught but Capital One failed to do their due diligence and they're allowing this company to steal my money I didn't sign anything and there are cameras why don't you ask them for the camera footage will see I don't have anything whenever I'm leaving I never got any food why don't you ask them for this proof that's because Capital One doesn't want to do the work to support their card members and one last thing there's no receipt because I didn't buy anything

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
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:
one car loan name XXXX XXXX XXXX is reporting under my name in equifax XXXX XXXX XXXX, this is an account that is not mine, i have never had a XXXX, i have been disputing and no answer yet, they are not helpful and have not been helpful. 
please find attached my police report which i received just in case and i placed a fraud alert on my name, so i would be careful. 
please help me to have this inaccuracy removed from my credit file thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a bankruptcy reporting on my credit reports along with several accounts that are related to that bankruptcy. I have made many attempts to get these errors corrected. I have also made many trips to the courthouses in my area in an attempt to locate the bankruptcy that is on my credit report. My search has not resulted in any public records that are in my name with my social security. My hopes is that Consumer Finance can aid me in initiating a thorough investigation by the credit bureaus and the removal of the bankruptcy. I have attached the bankruptcy, inquiries and related accounts to the public record.

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 2020-05-01
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
DO NOT USE WELLS FARGO TO REFINANCE! I will be making XXXX video for the purpose of explaining how unbelievably horrible this process has been. 

I have already complained to them over and over and over and contacted you. I applied for refinance of my home on XX/XX/2019. It has been 6 months! Apparently you contacted someone at Wells Fargo who then called me and asked me all about the problem but ultimately admitted they didn't have any control over it. I have had people apologizing for months now. 

We had an appointment for Monday to sign closing papers. I assumed this was finally going to be over. I planned to start construction on my garage later next week. Now they are telling me it will be the XXXX. That's a 10 day delay. They said the reason is the appraisal expired. No kidding. It took them 6 months to get here. I am surprised I personally haven't expired waiting. They are also telling me my paystub, signed contracts ( for future and present work ) aren't good enough to prove I am still in business. They gave me a list of things I could provide and I provided ALL of them but now that isn't enough. 

I am losing faith that CFPB can do anything about this. I didn't save the person 's contact info from Wells Fargo but I would like to speak to someone who can actually do something. I do not need someone to apologize over and over. I need someone to do their job.

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 2017-11-21
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took a mortgage about 1.5 years ago and was told that when the mortgage reached 80 % loan to value that I could remove the mortgage insurance. The appraised value of the home that the mortgage was based off of was {$140000.00}. 80 % of {$140000.00} is {$110000.00} which we are extremely close to. I have intentions of making a principle payment to bring the balance below the {$110000.00} threshold. I put in a request to the bank for written conformation before I make the principle payment because I know how shady banks can be. Well to no surprise they are now trying to change what I was told and claim that the 80 % is based off the purchase price. I 'm sorry but I disagree. The value of the home is the appraised value that the loan was based off of not the loan amount. These were the terms I agreed to and I would like the bank to honor them or the contract is in default. I have documents from the bank stating PMI can be removed at 80 % of the original value of the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a account with Wells Fargo and today I found out they have closed my account because of lack of activity. I don't think this is a sufficient reason to stop my account from being active. I use the account to cash personal check but most of my bank activity is used for business at XXXX XXXX. They did not contact me over the phone or email to warn me. I just got a email that it was closed and I called and they had no answers or solutions. This is not the first time I've had a negative experience with Wells Fargo. The bank has terrible customer service and their online site isn't as advanced as some of my other banks. I hope that anyone in the future looking to choose a bank do their research and be careful when dealing with Wells Fargo. I won't be doing business there any longer in the future or attempting to reopen my account.

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 2022-03-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I opted - out from receiving offers, the sale/resale and the suppression of any information pertaining to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
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:
Portfolio Recovery Associates is still reporting this fraudulent account to XXXX but had deleted from XXXXXXXX XXXX! I have mailed portfolio Recovery a notarized FTC affidavit XX/XX/2018 but they keep mailing questionnaire and Im not filling it out because you will not get my information or signature on this fraudulent account or receive my personal information! I have faxed the FTC report to XXXX and they told me Portfolio Recovery is still reporting this fraudulent account and XXXX is allowing it! This fraudulent account better be off my Reports or I will file small claims and file a complaint to the state attorney general on XXXX and Portfolio Recovery! Portfolio has deleted this fraudulent account off of XXXX and XXXX but is still reporting to XXXX!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a bankruptcy reporting on my credit reports along with several accounts that are related to that bankruptcy. I have made many attempts to get these errors corrected. I have also made many trips to the courthouses in my area in an attempt to locate the bankruptcy that is on my credit report. My search has not resulted in any public records that are in my name with my social security. My hopes is that Consumer Finance can aid me in initiating a thorough investigation by the credit bureaus and the removal of the bankruptcy. I have attached the bankruptcy, inquiries and related accounts to the public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Keystone Credit Collections Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Caller sometimes calls himself XXXX XXXX and others times XXXX XXXX. He has called me several times on my cell phone and at work. Most times 5 mintues apart. He has contacted my family members stating that there is a complaint against me and they are trying to locate me. Caller leaves messages on my work and cell phone asking for family members and stating that they are warning them to get me to call back or they are going to file the complaint. Each time they reach out to someone they use a different name and different company name. Sometimes it's XXXX XXXX and other times it's Keystone Group. I requested the address and was given the address of a XXXX store in New York. I have requested and my family has requested they stop calls. Caller will never give info to me without me giving SS # and birthdate.

Company response to consumer: Untimely response
Consumer complaint received 2019-09-27
Company: Security Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Security credit services account # XXXX have no knowledge of this account. Account is not mine. I have contacted them and XXXX and all credit Bureaus. None have contacted me back with any documentation proving the account is mine as of the fair credit act. I have asked in writing and online for proof of documents and still have not received anything. It has beem months of me going back and forth with XXXX  and other credit companies. I need this account off my credit. It has impacted my credit to have late payments and credit score is also impacted. XXXX keeps updating the account everytime i dispute it but they cant prove its mine and everytime i ask for documents proving its mine, they dont reply back with any information. I feel that this is neglegents from XXXX. The account needs to be deleted from my credit as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: American Credit Acceptance, LLC
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2018 a repossession agent sent by XXXX XXXX XXXX on behalf of American Credit Acceptance ( the lender for my motorcycle loan ) approached my home wearing a badge and stated he was there with the sheriffs department and to call the sheriff to get my motorcycle back. I do have photos and videos of him wearing the badge and witnesses to the conversation and misrepresentation as a local government official. I did call the police and the sheriffs dept who were unaware of this man and his business or why he was representing the sheriff during a repossession. The company also claims I owe just {$780.00} for the towing fee which is above the max allowed and even my lender said they normally only see amounts from $ 200- {$300.00} and were unsure why my bill for towing is so high. I have attached a couple photos but have plenty more and a video if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Card was canceled because it {$180.00}. Fraudulent charges new card issued to me. Notified by letter {$180.00}. Would be credited to my car on XX/XX/XXXX. Every time I call to tell them the money is not on my card. They tell me wait 3days, today is XX/XX/XXXX still no transfer of funds. Today they again said money is on old card. I am still waiting fir funds.

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 2019-09-27
Company: Experian Information Solutions Inc.
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:
On XX/XX/2017 I settled a XXXX XXXX  account with a collection company, at that time the company asked me for a {$1800.00}, payment to consider the account paid in full, since that time I have contact Experian and XXXX XXXX to fix the reporting on my credit report. First, XXXX XXXX corporate they do not how to even know who handle situations like this, on the other hand, Experian is saying to go back with them after I got one more answer on my dispute, even though I submitted the letter from the collection company that this account is paid in full.

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 2018-12-18
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo is the servicer on my mortgage loan, but it is clear that the only services they are providing is servicing their best interests and keeping me from obtaining mortgage assistance. I was given a loan modification that only dropped my payment about {$100.00} per month and did absolutely nothing to help my circumstances. I was able to make my first two mortgage payments on a trial basis and only did so because Wells Fargo gave me the impression that they would work with me to lower my payment once I was out of the trial period. I was still struggling since the modification payments really didnt help and I was kicked out of the trial program for being one day late on my final trial payment.

After I missed that payment they refused to work with me on any type of assistance. They would not have any constructive discussions with me and held my final trial check for over a year and a half and left me in limbo. Now that this has gone on for another two years, my delinquency is much larger and I am afraid that there is no way I can get my mortgage modified. It is their fault that it went on so long as they kicked the can down the road and now I will more than likely lose my home through foreclosure. 
Also, they have been serving my family members foreclosure documents at their home address! This is an extreme case of violation of privacy and I believe they have broken laws in the process. I definitely want this looked into as they have not only failed to work with me, but now have cause extreme embarrassment to me and my family. I have done a lot of research on the way they treat homeowners and it appears that Wells Fargo is now in the business of taking homes away instead of providing help for homeowners. We gave them {$35.00} XXXX to bail them out and they have turned their backs on me and apparently a lot of other homeowners. I read that they recently admitted to allowing over 500 homes to be lost through foreclosure due to their defective process. We should have never bailed them out and would have been better off if they failed. I make plenty of money now and can afford my payment, but there is a serious disconnect with how Wells Fargo believes how things should happen and reality. They still send me form letters all the time advising they can help, but never do. I hope your agency can go after them on my behalf and get them to correct my loan issues.

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 2019-09-27
Company: Financial Management Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This complaint is in regards to FMS Financial Solutions. They contacted me as a result of a former apartment sending an illegitimate debt directly to them without contacting me first because of " insufficient notice given ''. I did not receive any communication from the company about renewing the lease so I moved out the day my lease ended. In response to FMS 's first letter XXXX XX/XX/2019, received XX/XX/2019 ), I sent a certified letter telling them that I was disputing the debt as not valid and told them not to contact me further. They responded with a letter acknowledging my request that stated " this is not an attempt to collect '' but still stated the debt that was owed. I received another letter from them on XX/XX/2019 stating that it was an attempt to collect the debt with no acknowledgement of my previous written request or my dispute of the debt.

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