BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wells Fargo Bank is trying to take advantage me because I am XXXX. ( 1 ) They are putting false information on my credit report. They claim I own them money but state of limitation has pass to collect. ( 2 ) They have no contract with me with ink. I will like for Wells Fargo bank show me the original contract I sign. Pick one out of XX/XX/XXXX, we can meet in XXXX and I have expert look at contract to prove that not valid contract. 
This is not first time Wells Fargo Bank discriminate against people. 
On XX/XX/XXXX, Wells Fargo & Company ( Wells Fargo ) entered into a settlement agreement with the U.S. Department of Justice ( Department ). The Agreement requires Wells Fargo to compensate ( pay ) certain individuals who experienced XXXX discrimination in violation of Title III of the Americans with Disabilities Act ( ADA ) when trying to call Wells Fargo, visit one of Wells Fargo 's banks or retail stores, or otherwise access Wells Fargo 's services.

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 2018-03-13
Company: Experian Information Solutions 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:
I have contacted all three agencies via phone and certified mail in regards to an account credit first. This account was paid and now it is reporting derogatory on my credit file .... i have requested any and all information on how this was added, verified etc and NO COMPLIANCE ... this account is INACCURATE and per FCRA any inaccurate information MUST BE DELETED FROM 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 2018-08-02
Company: Jonathan Neil & Associates, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To whom it may concern, I am being charged twice by a company which is attempting to collect a debt. They said I did not pay a bill to XXXX. I had been a long-time customer with XXXX and I gave notice to cancel my car insurance some time around XX/XX/XXXX in XXXX prior to moving to XXXX full time. To my knowledge, after cancelling with them, I never received any further bills from XXXX. 

On XX/XX/XXXX I received a notice from : XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX ( they dont answer their phones I left many messages explaining I never received a bill. 

Since I live in XXXX, I did not want to hassle with this nor did I want anything to effect my credit rating in the states so I and went ahead and paid {$69.00} ( which is what they claimed I owed ) on XX/XX/XXXX. I used my XXXX XXXX XXXX. They cashed it *see below and then, they recently sent me another notice to pay them the same debt. They sent that notice on XX/XX/XXXX. 

This is what appeared on my XXXX bank statement DescriptionTypeAmountXX/XX/2018Online Payment XXXX To Jonathan Neil & Associates , Inc XX/XX/XXXXBill payment {$69.00} I do hope you can help me. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-19
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification aproximately a year and a half ago. Citibank continually denies the loan modification. The reason Citi mortgage denies my loan modification, is because my income is unverified according to Citibank. My concern is that continually resubmit my application and I receive a vague answer from the company. I do not feel that Citibank is being cooperative with allowing to fix the problem. If there is a problem with the part of financial aspect of the application, I need them to be direct about problem. I continually go over the paper work and resubmit it. I have attempted to contact them and trouble shoot. I hired an attorney to speak on my behalf. XXXX XXXX has tried to get clarification. In addition, he feels like Citibank is being very vague with him. Also, I am working with XXXX. XXXX contacted Citibank to find where the errors are being made. They have not heard back from Citibank. The last response from Citibank is that the underwriter is on vacation. I do not feel that Citibank is being helpful. I am not trying to be fraudulent with Citibank in any way. My only going is to ave my largest investment. I have desire to file bankruptcy. If I do not qualify for the program based on the numbers, Citibank should be direct with me. Truly that is all I want. If I have to file bankruptcy as a last option, that is what I will do. Please assist me with getting a direct response from Citibank. 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 2018-06-22
Company: LICTY, INC.
State: WV
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/2017 I was contacted by a company called XXXX XXXX. They told me that they have been sourced by the government to help implement an Obama administration debt relief program. I was explicitly told that by signing up with them they would consolidate my student loans and turn my monthly payment towards my loan into one third of the price of what it had been. I was explicitly told that after making this smaller monthly payment to XXXX XXXX for 4 years my loans would be paid in full. I was explicitly told that these monthly payments would be put towards the towards the principal of my loan. They said they were part of a government program. I received paperwork that was intentionally misleading. I have made the smaller monthly payments to XXXX XXXX for 12 months now. I was contacted by my student loan servicing company recently and told that my payment was past due. 

After communicating with the student loan company it became clear that no money had been put towards my loans in the past 12 months and that the company XXXX XXXX is a scam. I called XXXX XXXX to clarify the situation and cease payments immeadiately. I was told that they had nothing to do with my loans and are not a part of the government. It was explained to me that a bank called XXXX XXXX XXXX  had submitted a debt consolidation form to my loan company on my behalf and charged me a fee for this " service '' ( this is free to do on your own behalf through your loan servicer ) and that XXXX XXXX had purchased the loan from this bank and I am now paying off the new loan. When I communicated clearly that authorization for automatic payments has been withdrawn they refused to provide me with documentation that they had adhered to this cancellation and threatened me that if I stop these payments they would not just " go away ''. 
When I contacted the company, they said my file was incomplete & they needed more information. Every time I contacted them ( even after submitting all the previously requested information they needed ) I was told they always needed something else. I have paid {$440.00} to this company ( XXXX XXXX ) and owe {$1100.00}. And they have done nothing on my behalf to settle the student on debt. The contact number they have online is fake, when you call, it immediately disconnects. XXXX & the number used in email messages does not work either XXXX, the person that I would correspond with, his name was XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-21
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: Personal information incorrect

Complaint:
I called Experian from XXXX until XXXX requesting to have information removed from my credit report due to unauthorized. Fraud, Or incorrect information I am a victim of XXXX  breach of data. So I am not sure what information has been breached regarding my identity or personal information. I found several major mistakes with unrecognized reporting, and name as well as addresses. I requested to have them removed from my credit. Instead of removing the information the credit bureau updated to my current information. And so information was stated updated but left the same under my report. I want Experian to completely remove the incorrect information as requested under the circumstances. I will attach documents showing what what done to this complaint.

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 2018-08-02
Company: Experian Information Solutions Inc.
State: CT
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:
XX/XX/XXXX XXXX XXXX XXXX The account is reflecting an Unknown Status. The Account should reflect a XX/XX/XXXX balance. Also the Credit Report is stating that I was late in XX/XX/XXXX, XXXX of XXXX, and XX/XX/XXXX. 
This account was never late. I was placed on an FHA INSURED LOAN MODICATION PLAN THAT INCLUDED THE FOLLOWING DATE XX/XX/XXXX, XXXX of XXXX, and XX/XX/XXXX. The FHA plan started from XX/XX/XXXX and renew the plan on XX/XX/XXXX. I ATTACHED A LETTER from XX/XX/XXXX XXXX XXXX of the INFORMATION TO SUBSTAIN BY ENVIDENCE THAT THE LOAN WAS NEVER LATE. 
Please remove late status from my Experian Credit Report. 
Contact Information XXXX XXXX XXXX XXXX, FL 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 explanation
Consumer complaint received 2020-07-31
Company: CCS Financial Services, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i check my report and notice a large debt from credit collection services , inc on XX/XX/2020 and send them a dispute letter asking them to verify this alleged debt and more information that i have submitted below. this item is not correct and i dont owe credit collection service anything

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
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: Account information incorrect

Complaint:
Experian, XXXX, and XXXX credit bureau are reporting that I have a collection account with XXXX XXXX in the amount of XXXX dollars for services rendered for a medical procedure. They are reporting a date of XX/XX/2018 as the date of being delinquent, when in fact this collection is over 6 years old. The debt has been recently sold to a new debt collection company and The collection has be re aged which is illegal and has caused my credit score to drop significantly. I opened a dispute with Experian and the results stated " Updated '' but the dates were not updated and nothing was changed on my credit report to reflect the correct delinquent dates. This collection is showing on my credit report as a new collection and only reflects that it has been 1 month since the collection was opened instead of a collection that is over 6 years old. Please correct and advise.

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 2021-06-09
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CAINE & WEINER - I contacted the company as I was told so. I have requested validation and they have not produced it. FDCPA 809b requires this to be deleted until they validate. Delete this now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am currently being garnished for a vehicle that I did not purchase. I have made several attempts to find out who purchased this vehicle in my name but was not successful. I reached out to General Sessions Court and the Attorney who was handling this matter and no one returned my calls. It has been very difficult for me to live financially with this garnishment coming out of my pay. According to their records the car was purchase when I was a minor.

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 2018-04-15
Company: Navient Solutions, LLC.
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:
InXX/XX/XXXX, I applied to the rate reduction program that Navient runs, where your interest rate is reduced. We scheduled payment transactions to be taken out of my account automatically every month. for the first 9 months I would pay around {$600.00} and for the final months I would pay closer to {$1200.00}. I was told that I was approved, but there was a clerical error and my account was never approved. I did not catch this mistake until XX/XX/XXXX. I had called them and filed a dispute. After talking with a manager, they realized that they had never pushed through my account to be approved even though the approval was in my account notes and log. They had been taking out the automatic payments even though they did not approve this account. After talking with the manager about this issue and they investigated it, I was approved for the program and was told that they would not report negatively to the credit bureau because it was a mistake on their part. I thought they followed through with this promise. However, checking my credit report today, they have reported negatively against me posting that I am 60 days past due. It has brought my credit score down from over 650 down to XXXX. I have been paying on time per the rate reduction contract. In the agreement, I was told that this would not impact my credit score. I plan on addressing this issue again this week with Navient. They need to be held accountable for their agreements that they make. It is not ethical to tell a client that they will not negatively report you, but then turn around a negatively report you. I have already filed a dispute with the credit bureauXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09
Company: National Credit Adjusters, LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
About you Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX City : XXXX State : New Mexico Zip Code : XXXX Country : USA What happened I agreed to pay {$6.00} for XXXX XXXX XXXX  and was told that I could also get XXXX XXXX XXXX free but was later charged {$6.00} for it.. I did not join their company but was later charged {$92.00} on XXXX and {$88.00} on XXXX. XXXXWhen I called the company to complain I was told I had been given 15 days to quit their membership. I never joined their membership and I never received any documents about this or receipts. The descriptions on my credit card says : XXXX XXXX XXXX, XXXX XXXX and XXXX. I was not able to find any of these companies on the internet. I contacted the company several times at the different numbers listed on my credit card statement and they all sounded like the same company. They always said they could not supply me any documents or pouf that I agreed to any fees other that the {$6.00} andXXXX for the XXXX. They refused to give me a refund of the {$92.00} or {$88.00} that I had not agreed to.. The XXXX  products were from : XXXX XXXX XXXX XXXX XXXX The address I have for the dealer is : XXXX. The address for XXXX XXXX  is : XXXX XXXX XXXX, XXXX XXXX, FL XXXX t. One of the telephone numbers is : XXXX and one of the websites is : XXXX I hope this company is stopped before they commit fraud on other people. Please e-mail me a copy of this complaint as I was not able to print it. XXXX Thank you for any help you can give me. 
How it started Date fraud began : Amount I was asked for : Amount I Paid : XX/XX/2021 {$180.00} Payment Used : How I was contacted : Credit Card Online Ad or Pop-up Details about the company, business, or individual Company/Person Name : XXXX XXXX and XXXX XXXX  Address Line 1 : XXXX XXXX Address Line 2 : City : XXXX XXXX State : Florida Zip Code:XXXX Country : USA Name of Person You Dealt With : unknown

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Several disputes have been submitted regarding these accounts since XX/XX/2020. You can not validate a debt without following the proper validation. According to FCRA 15 USC 1692g, a debt must be validated within 30 days. Validation of a debt is an assess of action and the debt is not mine and it is not true. Also, according to 15 USC 1681 a ( e ) to validate a debt is to interview family, neighbors and associates of this debt who may have knowledge of this account but specific factual information does can not be mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2018 I had charges come into my checking account in the following sums : 1 ) {$190.00} 2 ) {$290.00} 3 ) {$15.00} 4 ) {$15.00} 5 ) {$12.00} Chase chose to pay the 2 largest bills {$290.00} and {$190.00} from {$500.00} in the account and then pay the 3 remaining bills of {$12.00}, {$15.00}, and {$15.00} which caused an insufficient fund fee of {$34.00} x 3 = {$100.00}.

If they had paid the smaller bills of {$12.00}, {$15.00}, {$15.00}, and {$190.00} from the {$500.00} balance I had in the checking account there would have been only 1 insufficient fund fee charge of {$34.00} instead of {$100.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-13
Company: Experian Information Solutions Inc.
State: NY
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/2020, of this year, Experian was asked to remove delinquency off of my credit report because there is no back child support owed. I personally called Experian over the phone to file this dispute back in XXXX and upload the letterhead from child support from XXXX XXXX a child support worker to the Experian website and I thought this was all taken care of. But when I applied for a loan this derogatory language was still on my credit report stated the account was terminated for default meanwhile this child support account XXXX is still active with XXXX back child support. This is a violation of Fair credit reporting act because this delinquency was asked to be removed by the XXXX of New York child support enforcement agency. Experian did not follow the credit clear letterhead asking them to remove this delinquency back in XX/XX/2020. This is a negative item on my credit report that stops me from getting approved for a loan during a pandemic when having access to funds is desperately needed. Child support can garnish your taxes, wages, freeze your bank account, suspend your passport, license, and even have the power to put you in jail. I would hope to believe child support doesn't want a working father trying to pay their child support not to have a delinquency on their credit report for 7 years is the reason why they gave me hard evidence of a letterhead asking Experian to remove this from my credit report. Experian needs to follow the state of New York child support letterhead and remove delinquency for my credit report. If Experian does not remove this negative item this time I will file a lawsuit in the Supreme court for relief of my losses. My child support account should be XXXX balance with no delinquency. Using child support to destroy a person 's life for 7 years when they owe XXXX back support does not seem fair.

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