BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-14
Company: World Acceptance Corporation
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a current secured loan with XXXX XXXX. It shows on my credit report accurately. Problem is that I have 12 closed accounts with XXXX XXXX. Every time I renew my loan for more money, they close the current account and open a new one. But they have refused to delete all closed 12 accounts from my credit report. I have never had a bad remark with this company. I want these closed accounts removed! This affects my credit rating. What is the problem with removing these old accounts that were always paid off????? 

XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed- Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. 
XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXX-Account Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest BalancXXXX XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXX-Account Closed-AmounXXXX owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am a XXXX year old retired woman and I really need your help, back in XXXX I paid these people over {$2500.00}, for a illegal and unlawful transaction that evades states USURY INTEREST RATE LAWS ..by CASH NET USA, XXXX XXXX the USA attorney sued them and won in federal court. I paid these people over {$2500.00} in XXXX on a {$2600.00} transaction I paid these people their funds ... ..On XX/XX/XXXX I received a note from another USURY INTEREST COMPANY stating that I owe them {$4300.00} This company XXXX, XXXX XXXX XXXX ( Ph # XXXX ) I do not owe these crooks ANYTHING. 
Please Help Me ... ..Cash Net USA ... XXXX File XXXX file # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: Experian Information Solutions Inc.
State: SC
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 cfpb I have complaint against Experian. I have did all I can to have them to remove anything that's inaccurate I have gotten no response from Experian under section 609 if it's doesn't belong to me it must be removed and if it's been 30 days no response it must be removed or else it's a violation and a fee of {$1000.00} per each. I am reaching out to please have them removed my Experian report it's been 30 days no response it must be removed under the statue of limitations. This is causing me emotional stress because I did all I can do and I they just voided me with no response.

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 2019-03-01
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following credit inquiries isted on my Experian credit report is fraudulent and unauthorized : XXXX XXXX XXXX from XX/XX/2018 and XXXX ( XXXX XXXX ) .The credit inquiries is fraudulent and unauthorized.

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 2018-04-05
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company purchased a debt that wad settled by synchrony bank and added debt to my credit report as collections when debt was already sweetly by company through cfpb 2-3 years ago. The debt they're claiming is estimated {$950.00}. In cfpb records debt was settled by company. Synchrony honored all of ghee previous payments and the fact that I am a XXXX XXXX unemployable XXXX   veteran to go along with payments and debt was settled.

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 2020-05-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Consumer Financial Protection Bureau, This complaint is in reference to residential home Loan # XXXX which has been converted to # XXXX with Wells Fargo Home Mortgage. 
Beginning in 2008, Wachovia Mortgage began to miscalculate the annual adjustable rate calculations for this loan, which resulted in the monthly amounts of principal and interest due and the total payment amount to be incorrect. Wachovia Mortgage and Wells Fargo Mortgage used the incorrect figures for the XXXX Index and the Margin. These three items of this loan, the principal, interest and payment amount have been miscalculated incorrectly since XXXX. Additionally, for some months, my principal reduction amounts would drop significantly from the previous month for absolutely no reason. I would make call after call to Wachovia Mortgages Customer Service department and then Wells Fargo Mortgages Customer Service. Each time, the Customer Service representatives would acknowledgement that the loan servicing calculations with my mortgage had not been adjusted correctly, but never once I have I received the correct credit for my principal payments nor has my loan adjustments ever been corrected. This has cost me thousands of dollars over the years in mortgage principal reduction and mortgage interest unnecessarily paid. 
Just with a simple mortgage calculator, these adjustable calculations can be reconciled to have been in error. 
I continued to repeatedly contact Wells Fargo Mortgages Customer Service department telephone, speak with several Wells Fargo Bank representatives in person and contact Wells Fargo Mortgage by mail and email. Every single Wells Fargo Mortgages Customer Service representatives and Bank representatives has acknowledged the miscalculation errors with my adjustable rate mortgage. Yet, none one single Wells Fargo Mortgages representatives has done one single thing to correct my mortgage adjustment miscalculations. 
I had the same problem with a XXXX adjustable rate loan in the early XXXX. My loan was type was in Class Action suit against XXXX. If I am not mistaken, the CEO for XXXX at that time was the CEO with Wells Fargo during my adjustable rate miscalculation problems.

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 2018-06-26
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I suffered an injury in my XXXX which prevent me from continuing working i exausted my saving travelling to get my back fix abd able to continue working but it was too late. After 6 months of payment they wpunt let me pay no less than XXXX payments which was atound XXXX XXXX I did not have that kinda money. So i kept on falling behind ... i tried loan modification but they say they cant work with me. No matter how much money inwas getting from diferent jobs that i was able tonaquire..i was able to increase my income after my XXXX  injury got better. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality. 

XXXX XXXX XXXXXXXX Case or ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Al XXXX XXXX XXXX XXXXXXXXXXXX XXXX  or ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Al XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX acct * XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Tx XXXX acct XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX acct XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX WI, XXXX acct * XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, Al XXXX acct XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX acct XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Tx XXXX acct XXXX 15 U.S.C. 1681 section 602 A : state I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: PENTAGON FEDERAL CREDIT UNION
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 NOTIFIED THE COMPANY AND LET THEM I DID NOT AUTHORIZE AN INQUIRY INTO MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX 2021, Consumer requested debt validation and to cease all debt collection activities from Portfolio Recovery Associates according to the FDCPA. Consumer requested to remove alleged debt from consumers credit file. Debt Collector and agents within, denied lawful proof of validation and furthermore continued debt collection activities ignoring consumers cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Experian Information Solutions Inc.
State: CA
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 requested my credit report from Experian today ( XX/XX/XXXX ). Everything looked correct except XXXX hard inquiry item that I did n't recognize : Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Type : XX/XX/XXXX XXXX XXXX Contact Info : XXXX XXXX XXXX XXXX XXXX, TX 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 2018-04-05
Company: Columbia Recovery Group LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX garnished my son 's wages in violation of both Arizona and Washington law by failing to provide proper notice. They then garnish XXXX pay which was exempt from garnishment, again in violation of law. When we had an attorney contact them regarding this, after not responding toe the attorney for almost three weeks, they finally agreed to reverse the garnishment - BUT NEVER DID SO. We then settled the matter for {$4000.00}. They still did not stop the garnishment, and just garnished my son 's wages AGAIN! And they haven't ever reversed the garnishment or refunded the monies taken in violation of the law. They are rude. They don't return calls or emails. They are snooty and seem not to even care that they are violating the law. I find the way they treated us to be disgusting and shameful. I am pretty sure they treat other consumers in similar manner

Company response to consumer: Untimely response
Consumer complaint received 2020-09-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made the following payments on XX/XX/2020 to this PRA Group, a debt collector and it is referenced on my redacted bank statement which is attached : PRA Group for {$290.00} ; PRA Group for {$390.00} ; These accounts have been paid and to date XXXX and PRA Group are still reporting them as unpaid. This is prohibiting me from purchasing a home and taking advantage of the great interest rates available. I sent a certified letter to XXXX received on XX/XX/2020 and a letter to PRA Group received on XX/XX/2020 they still have not reflected the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ocwen Loan Svc took over my mortgageXX/XX/XXXXXXXX  Constant missing info on statements, late on paying my homeowners Ins to point I have to monitor it gets paid. They will send letters saying they have to buy supplemental Ins because not covered appropriately when insurance covers 125 % replacement. Every year. BUT MY REAL ISSUE IS XXXX DROPPED MY CREDIT REPORTING FROM LOAN ORIG IN XXXX and OCWEN REFUSES TO REPORT MY STATUS, LENGTH OF EST LOAN BALANCE, PERFECT PAYMENT HISTORY etc. Since they do not comply with reporting, It appears I only have 2.5 years of credit and I 've owned multi mortgages & middle aged. Currently Ocwen has demanded I PROVE THEY ARENT REPORTING. I did, I sent copies of yearly reports, faxed, mailed, called Research Department as instructed and told they are reporting. Gone on over 2 years. Please help me. At the end of my loan modification, my " Relationship MGR '' XXXX, promised me she would handle lack of reporting. I followed up with Research Dept requirements in addition because of poor history of honest response or actions promised. NOTHING. They pay my mortgage Ins late & my premiums go up, they do n't report perfect payment history which I have proof of all payments sent return receipt, signature required.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is reporting a negative account on my credit report, and we do n't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. I did n't have a XXXX account and nor have I done any business with DIVERSIFIED CONSULTANTS INC. 

i tried resolving the issue with all 3 credit bureaus on X/XX/17. Also, I sent the company a letter on X/XX/17 asking for a legal contract and there was no supported documentation to verify I signed for a contract agreement. Only a print out of a last statement of a bill was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX repossessed my car in XXXX of XXXX and closed the account in XXXX after I lost my job and instead of working with me they threatened me with legal action and subsequently reposed the vehicle. 

Every month since XXXX of this year XXXX, they have reported the same closed account as open and delinquent. 

Then they close it before the end of the month and reopen it as a new account on my credit report, dropping my score 17 point every time. 

Once I regain the points, they delete the account and re list it again 3 weeks later as a new account open and delinquent again dropping my score 17 points. 

This is obviously very deliberate and is infringing my my due process rights as well as flagrantly violating my protections under the CFP Act. 

THEY NEED TO STOP immediately!!!!

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: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My Chase account has been active since XX/XX/XXXX and I have not had any problems with the account and Chase confirms that it is in good standing. On XX/XX/XXXX, I made a payment, as I always do, using the Chase online system. The payment was for {$490.00}. Due to my accounting error, this payment was returned by my bank as NSF. I then made another payment on XX/XX/XXXX for {$590.00}. Although Chase waited 7-10 working days for this payment to clear ( which it did approximately 2 days after the payment date ), I was told that a hold on the credit had been placed. Subsequently, I made another payment on XX/XX/XXXX for {$890.00}. I confirmed with my bank and the payment was paid at the bank on XX/XX/XXXX. I contacted Chase bank about this payment and they advise me that a hold has been placed on this payment as well. When I advised the representative why this was being done she advised that this would be the procedure on any payment to my account for the next 120 days. I voiced by dissatisfaction with this process, as I had not had any financial problems with my account before and she verified this during my call. She states that this is Chase 's policy. I advised her that I was going to file a complaint with CFPB and request that this department review this unfair procedure that Chase has in place on it's cardmembers. One would agree that this practice would be for cardmembers that continually have matters like these occuring. However, since XX/XX/XXXX, I had not had any other instance such as this having occurred. I am requesting your office 's review of this official complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i have contacted both XXXX  and Experian every month and have outlined that there is an account that was fraudulently opened under my name. i sent them the police report and the address where i was living at the time when the account was opened. the information that the bureaus are reporting are incorrect and i have been disputing this for several months already and they do not want to remove this incorrect information EVEN with a police report! how is it that XXXX took it off because they saw that it didnt belong to me yet XXXX  and Experian still manage to say that it belongs to 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 explanation
Consumer complaint received 2023-01-12
Company: TGA
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
TGA Debt Collection LLC in New Jersey called my grandmother as well as my mother and told them that they have been trying to send a check out to me acting like they were XXXX. They told my mother to have me call them and I did. I have the whole recording of them deceiving me to receive my address and phone number. They told me that they were XXXX and that they were prorating me for my insurance policy and sending out a check for {$100.00}. I typed in the phone number XXXX and it says that the number is connected to TGA LLC. I believe the guy also lied and said that his name is XXXX XXXX. This is very illegal and deceiving. Im not sure what debt they are trying to collect but I will not stand for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I requested by certified mail that XXXX XXXX XXXX Furniture be validated or that the debt be removed from all three reporting bureaus. They've failed to validate this debt in the amount of {$3000.00} opened XX/XX/XXXX

Company response to consumer: Closed with explanation