BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-20
Company: Lloyd & McDaniel, PLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I had a credit card with XXXXXX/XX/XXXX that charged off XX/XX/XXXX for an amount of {$2000.00}. I had some health issues which caused me to fall behind. I wanted to make a " settlement offer '' and try to get my credit card balance cleared up. Recently I contacted XXXX trying to find out if they would settle for half of the charge off balance, and they told that I would have to speak to an attorney it had been assigned to in order to settle for that amount. I called Lloyd and McDaniel and they gave me an amount of {$2900.00} which means I was charged an 69 % in interest and fees after they charged off the debt. I had moved to a different temporary location, and did not receive any additional statements after the account charged off. I requested the statements on XX/XX/XXXX and they had them sent to me, and it does show on the statements that they continued to charge interest on the balance that was charged off. I was advising XXXX XXXX that I was trying to pay the " debt the I owe '', but he said that they had set a court date for XX/XX/XXXX. First off, I am wondering how there is a court day and I have not received any info or been served for that matter, secondly if I contacted them trying to pay why are they trying to sue me, and third he said he sent something to me, but XXXX advised he had to update my address because he had the wrong address for me. So, if you sent me something and to the wrong address there would not be a way that I would contact if I have no knowledge of it. I think that the entire situation is deceptive and unfair on both parties XXXXXX/XX/XXXX and Llyod McDaniel. I am more than willing to try and resolve this issue, but when I found out there were some questionable legal actions being taken and they did not contact me properly I wanted to report this and make sure that I am given a fair chance to settle this properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/22, a XXXX XXXX asked to borrow my phone and somehow sent money to an account using XXXX through my Wells Fargo banking application. After almost three weeks, Wells Fargo deemed this case as not being criminal since it was done through my phone. Out of good faith I allowed the person to borrow my phone, and Wells Fargo refused to help me recover my money. It seems as if there was no thorough investigation done externally which is unacceptable.

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 2019-08-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I simply had my daughtee in my car insurance and I wasn't aware she was not paying. However when I figure out what was going on I settle the debt with XXXX, XXXX XXXX XXXX file XXXX. XXXX Please amend your records. 
Sincerely, 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 2023-02-01
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: Account status incorrect

Complaint:
Department of Education states that my loan was transferred to ( XXXX ) and that any delinquencies would be deleted off of my credit report. I have a letter from XX/XX/XXXX showing these corrections will be made and now we are in XXXX of XXXX and they are still showing on my account. Can you please help in getting these removed from my credit. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received 3 return packets from XXXX. I opened one ans saw they were phone return packets. 

I found XXXX 's fraud reporting phone number and tried to contact them, but only recieved automated messages. ( XX/XX/XXXX ) I went to XXXX store at XXXX XXXX, XXXX XXXX and tol ; d them of this fraudulent activity and asked to check the name as spelt on the nvelope " XXXX XXXX '', note not same as my name. They could not find anything, and said they could take any fraud discovery or fraud report information. ( Saturday XX/XX/XXXX ) So I mailed back these packets with notes on Fraud activity. 

I checked the Fraud website on XXXX, and noticed it was too complicated, and asking me to reveal lots of personal information. While in the meantime I am not able to reach any human at XXXX. 
The web reports on Fraudulent department at XXXX were also bad. 

On XX/XX/XXXX I receive a call from collections ( IC Systems : XXXX ). I told them the story and asked them to record all the actions I had taken on this and why I had not received any response from XXXX, nor did anyone try to reach me. 

The IC Sytems instead treatened me that if I dont fill up XXXX  's farudulent report on the website, I will be in trouble. 

At which IO got angry, since I recollected that his website asked for too much information. And there was no way to reach nay human and talk on this issue at XXXX. Their web reviews were also extremely bad.

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 2022-01-06
Company: Professional Debt Mediation, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection on my credit report from an apartment in Tennessee. I do not live in Tennessee. When I call the collection company they tell me they can't pull anything up with name or social security number. I tried to dispute it with XXXX and they were able to '' verify '' the debt with the company. But no one at the company can give me any information. This is not my debt. I live in Alabama. I am trying to buy a house and desperately need this off of my credit report. No one can even tell me what I need to do. I tried contacting the apartment complex and was told that it is under new ownership. 
I tried to enter the last XXXX  digits of my social in the next step but it wouldn't let me. It is 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 2023-07-25
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Under Fair Debt Collection Reporting Act is to know what this is for, account number, dates, etc. as well as how to dispute the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 an account with XXXX XXXX ( XXXX credit card ). Payment is due on the XXXX of every month. This month I made a full payment of the account balance on XX/XX/2019. The payment posted on XX/XX/2019. However, the bank reported a balance of {$35.00} on my credit. I called customer service, I was advised to mail or fax my credit statement along with my credit report for correction. 

To my dismay, the bank has made another report on my credit, reporting another more higher balance on my account. These two reports are within the same month just days apart.This has affected my credit score drastically. 

I believe the bank has intentionally decided to hurt my credit because I initiated a dispute with 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 2019-08-25
Company: EQUIFAX, 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:
Multiple accounts that are incorrect are reporting on my credit reports XXXX/XXXX   XXXX**** XXXX XXXX XXXX**** XXXX XXXX XXXX****

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: EQUIFAX, INC.
State: IN
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:
ACCOUNT : XXXX XXXX was granted a judgement against me. 

Status and information is incorrect. 

The company agreed to settle the account and remove the debt from my credit reports after the settlement was paid. 

I paid the amount agreed upon in a lump sum but account has remained on my Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Experian Information Solutions Inc.
State: NC
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:
I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX has violated my rights. Regarding alleged account # XXXX, 15 U.S.C., 1681 section 602 A. States 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. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable for confidentiality, accuracy, relevancy, and proper utilization of such information. 15 U.S.C. 1681c2 : A Block and remove in 4 days

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 2020-11-23
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On Monday XX/XX/2020 I was contacted by XXXX XXXX XXXX XXXX. about a debt collection for private student loans from HESAA, after receiving a letter from his law firm on XX/XX/2020. He gave me a payment number that I would be unable to afford. I asked for a lower payment and his response was that wouldn't even cover my interest but if he were me he would send anything he could to them. He also stated this would continue to hurt my credit, before saying what I was offering was like " going into a car dealership and offering {$5.00} for a {$1000.00} car ''. Not only was the comment not appropriate for someone trying to work out a payment plan it was condescending and insulting. I had previously entered bankruptcy for this loan due to the fact that I could not afford the minimum payment and XXXX XXXX XXXX refused to work out a reasonable payment plan. Also on the HESAA website it states " During the pandemic emergency, HESAA instructed its private collection attorneys to suspend involuntary collection activities related to defaulted NJCLASS loans, such as filing court judgments and wage garnishments. In addition, during the state of emergency, your defaulted NJCLASS account will be reported to credit bureaus under the approved disaster code, which should not negatively impact your credit score. Please contact the private collection attorney assigned to your defaulted loan. You may continue to make voluntary payments on your defaulted NJCLASS loan, or you may request a modification to the payment amounts due to unemployment or financial hardship due to the COVID-19 pandemic. If you need help getting connected to the private collection attorney, please let us know by sending an email to XXXX. '' and it sounds like they are still tacking interest on and also they are conducting involuntary collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of America ATM machine in XXXX, MA kept {$2500.00} of my {$2800.00} cash deposit on XX/XX/2021. The machine printed a notice with a phone number to call because there was a problem with the deposit. I immediately called the number and placed a claim. BOA issued me a credit for {$2500.00} and I was ok with that. Today, XX/XX/2021, I received a notice from BOA stating that there was no extra money on the ATM machine that day and therefore they are reversing the credit. I called BOA and was told they would review the ATM video and that I should call them back in two days. Other customers were having issues that day with both of the ATM at the XXXX BOA XXXX XXXX Branch. I myself had to switch back and forth from each machines and kept trying to insert the money in because the machines kept returning the bills. My claim number with BOA for this transaction is XXXX. I made that deposit for sure. There is no question about it. There is no way that the machine did not have extra money in it. I make regular monthly cash deposits at BOA. Please direct me on how to get some help resolving this issue. Thank you for your help!

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 2021-03-30
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX WAKEFIELD & ASSOCIATES ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
This letter was sent to XXXX  XXXX XXXX, Equifax Information Services, LLC, and the XXXX  Dispute Department on XXXX XX/XX/XXXX and the disputed amount is {$19000.00}. This account is past the statue of limitation for the state of Florida. This account has also been re-aged, and it is illegal to re-age any account. The date last active for XXXX  is XXXX XX/XX/XXXX, XXXX   is XXXX XX/XX/XXXX ( currently listed as XX/XX/XXXX ), and Equifax shows XXXX XX/XX/XXXX. It is illegal to re-age an account. This account has been re-aged. Delete this account immediately. 

This letter was sent to XXXX  XXXX XXXX, Equifax Information Services, LLC, and the XXXX  Dispute Department on XXXX XX/XX/XXXX. The dated last active for XXXX  is XXXX XX/XX/XXXX, XXXX  is XXXX XX/XX/XXXX, and Equifax show XXXX XX/XX/XXXX. Equifax shows this account payment history with a paid as agreed status in XX/XX/XXXX and it was placed in a charge-off status in XX/XX/XXXX by XXXX, this is a conflict. Delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
It's started in the same bank few years ago in 2018, someone drinking coffee few time per day from my card, then I catch them when they used my card in XXXX, I didn't been there for few weeks.Some bankers blame me, they didn't believe me it's not me, the women who used my card looks like me.I have photo of her also. Then I send them my project they didn't answer. I closed my account, then few months ago I opened account again in the same bank with some cashier 's check on my name XXXX XXXX they tell me check will be available tomorrow, but ... someone withdraw the check next day, until I even did anything.Then multiple excuses from the bank, and they didn't give me check back.

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 2016-09-23
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seneca Mortgage Lending Services said they paid my XXXX County Property Taxes on XX/XX/2016. XXXX County has no record of payment. Seneca told me they would send me proof of payment, but never did. Now my loan was sold to XXXX XXXX and they ca n't seem to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was in process of refinancing my mortgage with Loan Depot which started XX/XX/2020. 

Within a month, I did not hear back from Loan Depot on the status of my loan. I got a document which I am attaching illustrating that my rate was locked and my loan application was in underwriting and close to completion. 

I did hear anything back for one month and I was informed that my loan officer was on leave and my application was not transferred properly. Hence my rate expired which caused my rate to 2.5 % to disappear. The rates have now increased. 

Given that I provided all the paperwork in a timely matter and an existing customer for another home, I would like my terms of 2.5 % at 30 year to be honored as per my signed agreement. ( attaching for reference )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: TX
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 kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have applied for the Texas homeowner assistance program and XX/XX/XXXX and my file was updated on XX/XX/XXXX stating that my mortgage severer has not responded to their correspondences or emails and i was asked to contact PHH and ask them to please respond so that my application can be processed and completed. I called PHH and was told that they do not have anything from HAF program. I sent an email to the escalation XXXX Attention XXXX.. PHH continues to say that they have not received the request from the program and the program insist that they have sent the request and have received no responds, Case XXXX is my HAF number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Experian Information Solutions Inc.
State: OR
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:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX {$97.00} no valid claim ... account was settled with original creditors by insurance carrier and has been confirmed, grave errorfalse claim and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

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 2022-09-10
Company: Experian Information Solutions Inc.
State: TN
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:
These two addresses are reporting on my credit report I never lived here please removed incorrect addresses thank you XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief