BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-18
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
In XX/XX/2021 I was summoned to court because of a debt that was said to be mine, I denied the debt while in court, and stated that I wanted to see if we could come to a settlement. A letter was sent to me with the stipulations of the settlement, and I have been paying the settlement every month, but I couldn't sign something that I didn't agree with. After speaking to my attorney, I was told that I can fight this. So on XX/XX/2021 I sent a letter to Midland Credit Management sighting all of the laws under the FCRA that have been violated. I have attached the letter to this complaint. But in short, this is what I am demanding : According to 15 USC 1692i ( b ) Authorization of actions - Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. Further 15 USC 1692c ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY - Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1681n ( a ) IN GENERAL - Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 

At this time, I am demanding that this case be closed, this be removed from my credit report and actual damages be paid out as a settlement to my in the amount {$2400.00}. This includes the ( 2 ) two listed violations that your company has committed and the ( 5 ) payments of {$98.00} ( totaling {$490.00} ) have been paid to your company as of XX/XX/2021. 
Please send the settlement letter with the details that I have included in this letter, to the above address I have provided ; I am expecting to have this matter taken care of within the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Paramount Recovery Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX and XX/XX/XXXX of XXXX for the amount of {$410.00}. They had lack of information and provided me with no contact information at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: TMX Finance LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had XXXX XXXX XX/XX/XXXX spent a week in hospital. Had a XXXX   XX/XX/XXXX and admitted again for 3 days with XXXX XXXX. I am unable to drive or ride any long distance in a vehicle until doctor releases me. I called XXXX  on XXXX XXXX XXXX explaining situation. XXXX told me to call back Friday XX/XX/XXXX to verify what doctor said. I called and XXXX wasn't in, but, a man talked to me, saying, he also is a manager. I asked if the late fees and interest rate could be paused, since I am unable to drive to XXXX XXXX to make payment. They won't allow debit card, or another person taking payment in. Has to be only myself with cash. He refused. I have no control over my physical conditions that are preventing me to go 35 miles to make cash payment. I am also being charged 56 % interest and had to buy additional insurance I don't need but, required for loan.They say you can refuse eit, but, if so, it also contributes to breaking contract and taking my car.

In XX/XX/XXXX, my XXXX  check had error, so, I was XXXX short on payment. I drove there with XXXX. Payment at that time was XXXX They refused what I had because it was not whole amount. They " suggested '' I borrow XXXX  from a friend, come back on Monday, make payment, and turn right around and borrow more to repay friend. The catch, the minimal they loan, another XXXX. So, now I am in XXXX and only able to make the interest payment every month of XXXX, IF I AM ON TIME.Now, I can't make any payment from being home bound until i can walk and drive again.

It doesn't seem right, they can take my car because THEIR POLICY WON'T ALLOW ANYONE OR ANYWAY FOR ME TO PAY, EXCEPT FOR MYSELF. Along with the fact, I am very XXXX   now and unable to travel.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
WELLS FARGO COMPLAINT XX/XX/XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fl XXXX Loan # XXXX To whom it may concern : I, XXXX XXXX XXXX, am filling a complaint of UNFAIR LENDING PRACTICES AGAINST WELLS FARGO.

After hurricane Irma hit florida in later XX/XX/XXXX, Wells Fargo Bank targets certain clients to lure them into Hurricane relief program.

And once inter program, they would encourage additional payment deferment program such as loan modifications.

Once, client accepts program and especially are economically impacted by the hurricane.

Wells Fargo Bank will than starts charging unnecessary Fees such as Multiple Appraisal Fees and other late Fees and UNFAIR ACCELERATED FORECLOSURE PRACTICES while in the program.

Also, Wells Fargo Bank pushes into fixing home while in Modification process.

After a few months have gone by, they declined your request and with unknown reason and When you asked the representative the reason for denial. They said is income and another time is too many modifications. Every time you challenge the first reason and they will give you another reason for denial.

Wells Fargo Bank purposely use the hurricane Relief Program to make you late for several months and charge me Unnecessary and Unfair late fees and because client can not pay the arrears. They forced into Short Sale and worst FORECLOSURE.

I AM REQUESTING A FULL INVESTIGATION OF WELLS FARGO BANK UNFAIR PRACTICES IN ORDER TO CHANGE ILLEGAL FEES AND PRE ACCELERATED FORECLOSURE PROCEDURES TO TAKE ADVANTAGE OF EQUITY HOME OWNERS.

I look forward to hear from your department very soon of this very important and unfair treatment from Wells Fargo Bank against it customers. Im counting on you to look into this matter once and for all. I believe even the National Medias need to be aware of this unscrupulous behavior by Wells Fargo Bank.

I WANT TO SAVE MY HOME AND AFTER PAYING MY MORTGAGE FOR OVER 14 YEARS.

I AM ASKING WELLS FARGO BANK TO ALLOW ME TO REINSTATE MY REGULAR MORTGAGE PAYMENT AND TO DEFER THE ARREARS OR PAST DUE PAYMENTS.

I intend to pay the bank every cents that I owe to them minus the unfair fees.

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX   Email : fXXXX  Phone : 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 2018-06-13
Company: Westlake Services, LLC
State: NC
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:
I NOTICED A CHARGE OFF ACCOUNT WITH WESTLAKE FINANCIAL SERVICE THAT I DIDNT OPEN ON MY CREDIT REPORT. IT IS A FRAUDULENT ACCOUNT. IVE CALLED WESTLAKE FINANCIAL AND HAVE SPOKEN WITH MANY SUPERVISOR AND HAVE EXPLAINED TO ALL OF THEM THAT I DIDNT APPLY NOR OBTAIN A AUTO LOAN WITH WESTLAKE FINANCIAL. IVE EXPLAINED TO THEM THAT MY IDENTIFY WAS STOLEN A ALMOST 2 WHOLE YEAR BEFORE THIS CAR WAS PURCHASED AND EVEN EMAILED AND FAXED OVER THE POLICE REPORT TO VALIDATE MY STATEMENT.THEY IMMEDIATELY APOLOGIZED AN SAID HOWEVER SINCE THE DEBT WAS SOLD TO XXXX XXXX XXXX THAT I WOULD NEED TO CONTACT THEM .XXXX   DISREGARDED MY CONCERN AND SAID I STILL WOULD HAVE TO PAY THIS AUTO LAON THAT I DIDNT SIGN UP FOR NOR AUTHORIZED TO BE IN MY NAME. I THEN CALLED WESTLAKE FINANCIAL BACK AND THEY SAID THEY WONT REMOVE IT AND THAT I NEEDED TO PAY TO HAVE IT REMOVED. THAT IS AGAINST THE LAW AND THIS ACCOUNT WILL BE REMOVED. I DIDNT OPEN THIS ACCOUNT, IT IS FRAUDULENT AND I NEED IT REMOVED FROM ALL THREE OF MY CREDIT REPORTS AND RECEIVED ALL OF THE POINTS BACK THAT I LOST FROM THIS FRAUDULENT AUTO LOAN ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: Santander Consumer USA Holdings 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 information incorrect

Complaint:
I have submitted proof with written documentation and recorded conversations where I was specifically told dates to get a payment in and also had three deferred agreements where XXXX stated the payment would show on time. 

As seen in the documentation it shows my payments yet they are still reporting late payments on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On XX/XX/2021 at XXXX, I received a call from XXXX XXXX XXXX NMLS ID # XXXX ) about information I submitted online about a refinance. During the phone call, I asked if I would even qualify for a refinance and told him I just wanted an idea on the numbers I might get. A few minutes later he stated that my credit and my partner 's credit wasn't pulling for him. I told him I had just lifted credit freezes from Transunion and XXXX. after he still couldn't get the credit to pull he stated that " for security reasons, I need both full social security numbers ''. I asked him if this would be a hard credit inquiry and he stated several times it was a soft pull. I agreed to the soft pull. After he pulled the credit I and my partner received credit notifications that a hard inquiry had been processed and it dropped my partners credit 3 points which resulted in her credit score not being in the excellent range. After we received the notifications, I immediately notified him that he had pulled a hard inquiry and we had not authorized him to do so. He responded by saying " I don't know what you're looking at or where you're getting your information but I assure you that I pulled a soft credit inquiry and that all inquiries show. '' I repeated that I received notifications from the major credit bureaus that there had been a hard credit inquiry to both of our credit reports. After that, he started asking us about our employers and we asked why he needed that information when we just wanted to know general information based on our debt and income. He stated he just needed it to fill out the information on his screen. We stated we did not want to apply for a mortgage at this time. He stated he wasn't setting up an application and asked again for our employer information. At this point we ended the call. Immediatly, I checked my email which had an email sent by Mr. XXXX at XXXX, that stated a mortgage application had been started. 

At XXXX XXXX, I called XXXX 's customer service team and who said she would report this information to Mr. XXXX 's supervisor and have them reach out to me to correct the issue. 

Also, I tried to report this to the credit bureaus but they require you to call during their business hours.

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 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Re : Trans Union Account File Number XXXX I contacted Tran Union XX/XX/XXXX, XX/XX/XXXX U.S. Mail and requested that following inproper inquires be removed from my credit report as a result of identity thief : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX shows that I incorrectly owe {$11000.00} this transaction should be also completely removed from my credit report, yet Trans Union refuses to remove These above are identify thief see attached documents. I paid off XXXX XXXX XXXX   XXXX in XX/XX/XXXX I do not owe XXXX anything yet my credit report still reflects that I owe money on this account. It should say 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 2020-07-25
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2020, my wife and I opened an account with Wells Fargo based on their {$400.00} checking bonus promotion. I have attached screenshots and a PDF copy of the promotion that was advertised on XX/XX/2020. 

The promotion lays forth specific requirements for eligibility for the {$400.00} bonus. My wife and I have since met and exceeded the eligibility requirements yet we still have not received the promotional bonus. The bonus should have appeared in our account at the end of XXXX but we have not received it to date. 

I am happy to additional information regarding our situation at your request.

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 2018-05-01
Company: EQUIFAX, 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:
I would like to make report that someone has opened Credit cards and utilities bills in my name without my permission. I was in the process of buying a home when my credit report came back there was accounts that I didn't recognize a XXXX XXXX #  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX . 
I never had any documentations of contracts for services with these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Shellpoint Partners, LLC
State: OK
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:
My mortgage was transferred from Shellpoint Mortgage to XXXX XXXX. I received notice of the change in XX/XX/XXXX. I have made all of my payments on time to both companies. 

My credit score decreased anywhere from 17 to 20 points because Shellpoint Mortgage shows my account as being closed and not transferred. XXXX XXXX does not show up on my credit report at all. 

The information is inaccurate and needs to be updated. 

Date of Loan XX/XX/XXXX Date Loan was sold to new lender : XX/XX/XXXX Prior Loan Number ( shellpoint mortgage ) XXXX XXXX XXXX Loan Number XXXX My contact information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: AMERISAVE MORTGAGE CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 at XXXX, my partner received a call from XXXX XXXX XXXX NMLS ID # XXXX XXXX about information she submitted online about a mortgage refinance. During the phone call, she asked if she would even qualify for a refinance and told him she just wanted an idea on the numbers she might get. A few minutes later he stated that my credit and my partner 's credit wasn't pulling for him. She told him she had just lifted credit freezes from XXXX  and XXXX. After he still couldn't get the credit to pull he stated that " for security reasons, I need both full social security numbers ''. I asked him if this would be a hard credit inquiry and he stated several times it was a soft pull. My partner and I agreed to the soft pull. After he pulled the credit I and my partner received credit notifications that a hard inquiry had been processed and it dropped my credit score 3 points which resulted in my credit score not being in the excellent range. After we received the notifications, my partner immediately notified him that he had pulled a hard inquiry and we had not authorized him to do so. He responded by saying " I don't know what you're looking at or where you're getting your information but I assure you that I pulled a soft credit inquiry and that all inquiries show. '' My partner repeated that she received notifications from the major credit bureaus that there had been a hard credit inquiry to both of our credit reports. After that, he started asking us about our employers and we asked why he needed that information when we just wanted to know general information based on our debt and income. He stated he just needed it to fill out the information on his screen. We stated we did not want to apply for a mortgage at this time. He stated he wasn't setting up an application and asked again for our employer information. At this point we ended the call. Immediately, my partner checked her email which had an email sent by Mr. XXXX at XXXX, stating that a mortgage application had been started. At XXXX XXXX, my partner called Amerisave 's customer service team and who said she would report this information to Mr. XXXX 's supervisor and have them reach out to her to correct the issue. My partner also tried to report this to the credit bureaus but they require you to call during their business hours.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: CORELOGIC INC
State: GA
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 several inquiries on my credit report that were not authorized and are unknown. Ive tried disputing with the companies but I was told to dispute with the credit bureaus. Ive disputed with the credit bureaus several times but XXXX  is the only bureau that removed the inquiries. XXXX  and XXXX  have not removed those inquiries. I have not given my authorization for the inquiries and I do not recognize any of the companies. Ive asked for them to send me written proof of my signature of authorization and they can not provide this information. I would like for these inquiries to be removed from my credit report for all reporting bureaus.

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 2021-07-18
Company: EQUIFAX, 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:
Last year I ordered my credit report and found a repossession account on all 3 bureaus. That account has multiple violations of FCRA, such as balances, dates, it was reporting differently in all 3 bureaus. I was able to remove it from 2 bureaus, because account is not verifiable. But Equifax is not removing it even though it shows they did investigation. 
I have contacted XXXX XXXX XXXX directly in XX/XX/2021 to validate information, but they didn't respond ( I have return receipt ) My question is HOW could Equifax credit bureau verify this account if original company couldn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, In the period from XX/XX/XXXX to XX/XX/XXXX there are Three mortgage lenders involved in my home loan. On XX/XX/XXXX a payment wasn't registered to the new lender enter on XX/XX/XXXX. I am attaching documents to review the information also the missing payment for {$1900.00}. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a consumer and Newrez doing business as Shellpoint Mortgage Servicing stole my identity and created a fake account with my information. They do not have my permission to use my social security number to create any accounts on my behalf and I did not sign for their account either. They keep harassing and threatening me with phone calls and unsolicited mail which is illegal for a debt collector. My telephone is on the national do not call registry but they break the law and still call me. The are to remove this illegal account from all my credit files, cease and desist their illegal activities and be held accountable for their fraudulent acts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation