BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-30
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:
I paid XXXX XXXX XXXX XXXX the total balance owed for an auto loan, which amounted to $ XXXX in XX/XX/2020. There was an issue with their accounting and they reported my account late for the following month of XX/XX/2020. I disputed the derogatory information in writing online/by phone and they submitted an electronic correction of the erroneous information to all 3 Credit Reporting Agencies. The derogatory information was removed/corrected by XXXX XXXX and XXXX, but not has not been corrected by Experian. After repeated attempts, Experian has not removed the inaccuracy and the representatives have been unprofessional and not very helpful, especially during my call today.

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 2019-02-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have had many problems with Wells Fargo and they recently sent me a check as liquidated damages for opening fake accounts in my name. More importantly though from XXXX through XXXX I have been charges bogus " account analysis '' fees on several accounts ( including dormant account ) for which absolutely no services were rendered. I had never agree ( at least knowingly ) to pay these fees and still don't understand what exactly they are meant to be for. It is for sure another Wells Fargo scam. As they were small monthly amounts that always varied, I did not notice them. When I finally managed to talk to somebody - they suggested that they reverse a couple of month. I asked WF for complete accounting and much to my horror was told that I had been charged a total of {$9100.00} in fees - so with interset this is way over {$10000.00}. I assume they have done this with millions of clients so they defrauded their customers potentially for billions of $ 's I have all the back up. 

Here is the email I received from them. It's outrageous. First they opoen ficticious accounts in my name and now this! 

Hello XXXX, As promised, I have the total fees for all accounts. Please let us know if you have any questions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$310.00} XXXX - {$330.00} XXXX XXXX XXXX XXXX XXXX - {$390.00} XXXX - {$710.00} XXXX - {$720.00} XXXX XXXX XXXX XXXX XXXX - {$240.00} XXXX - {$250.00} ( {$90.00} was previously waived ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX - {$190.00} XXXX - {$430.00} XXXX - {$690.00} XXXX - {$1000.00} XXXX - {$950.00} XXXX XXXX, XXXX XXXX XXXX - {$550.00} XXXX - {$390.00} Total - {$9100.00} Kindest regards, XXXX XXXX XXXX Banking Relationship Specialist ( LO ) Regional Business Relationship Management

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 2020-11-03
Company: Experian Information Solutions Inc.
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 have asked the credit bureaus to remove these accounts that do not belong to me. I have asked for documents to show that these accounts belong to me and I have not received them. I was not notified 5 days prior to these accounts being placed on my credit report. According to the FCRA and FTC, I am supposed to receive a letter about these accounts and I have not received any notifications about the accounts listed below XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 2018-12-04
Company: Experian Information Solutions Inc.
State: DC
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:
Creditor " XXXX & XXXX '' has my credit report listed with two accounts ; I've only opened one account. XXXX, XXXX & XXXX is filing derogatory information on my credit report, saying the account is delinquent, when in fact they are receiving consistent and timely payments through XXXX XXXX XXXX on a monthly basis for the past two years. Third, while XXXX & XXXX indicated they rejected the payment arrangement offer made to them through XXXX XXXX XXXX, they continue to accept the payments being made, thus contradicting the law regarding resolution of credit accounts. The fact that they are receiving payments and have not returned payments made - they can not accept my payments while reporting derogatory information on all three credit reports.

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 2017-12-06
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have an American Express personal green card ( XXXX ), which is in good standing with AE, however, I am also the CFO of company XXXX XXXX XXXX out of NJ, I applied on behalf of the Company XXXX XXXX XXXX XXXX-I provided AE with the company 's TIN and instead they place my personal SSN in under the Account, thus making me personally responsible for the Company 's debt, thus freezing my own personal account with AE! I informed them of the error and included the fact that I never agreed or guaranteed liability of any debt incurred by XXXX XXXX XXXX and its ( if any ) affiliates, I am just the executor of the financial dealings of the company ( we even made arrangements to pay off the balance and get the card back on track as we hit by this years forces of nature ) - My personal Account should not be affective by the Company which i am just a representative of ( XXXX ).
Thank you in advance for your assistance in this matter XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, INC.
State: CO
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 vehicle was repossessed by XXXX XXXX XXXX XXXX in XX/XX/XXXX in Colorado. Balance written off in the amount of {$9200.00}. In XX/XX/XXXX, XXXX XXXX XXXX  XXXX  received {$3200.00} from XXXX XXXX for a hail damage claim for said vehicle, which should have left a balance owed of {$6000.00}. The vehicle was a XXXX XXXX XXXX and worth approximately {$6000.00}. I spoke to an agent for XXXX XXXX XXXX XXXX in XX/XX/XXXX who informed me about the sale of the vehicle. XXXX  XXXX gave away the vehicle at a dealer 's auction for only {$800.00} in approximately XXXX or XX/XX/XXXX, and is claiming a deficiency of {$7100.00}. In XX/XX/XXXX, XXXX XXXX was willing to accept {$1500.00} as settlement of the " deficiency '' with payments of {$25.00} per month at that time, but I questioned the unreasonably low sale of the vehicle at that time. The sale of the vehicle was not commercially reasonable. On XX/XX/XXXX, via certified mail, I requested proof that the notices required under UCC 9.506, 9-611, 9-612 and 9-613 were properly and timely given. XXXX XXXX received and signed for my certified letter on XX/XX/XXXX, and had 15 days to respond. Capital One did not respond. XXXX  XXXX XXXX XXXX can not claim a deficiency unless all notices were properly and timely given and all allowable redemption and cure time limits were adhered to. I then wrote to XXXX, Equifax and XXXX  on XX/XX/XXXX, via certified mail. I requested that I be provided the name of anyone with whom they spoke at XXXX XXXX XXXX XXXX during any investigation into the above matter. XXXX  has responded with generic information about the dispute being " complete '' and only reaffirmed the same information being reported by XXXX XXXX XXXX XXXX. XXXX XXXX has reported for 48 months ( since XXXX ) that the account was charged off claiming a balance of {$7100.00}. If XXXX XXXX did not realize they gave away the collateral on their own loan at that time when settlement was offered at {$1500.00} in XX/XX/XXXX, then why make the offer? However, XXXX XXXX has continued to verify the amount due of {$7100.00} which can not be substantiated. No notices were given to me. The sale of the vehicle was not commercially reasonable. I am requesting the account be completely removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Exeter Finance Corp.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Exeter Finance has continually and intentionally/willfully violated section 623 of the FCRA and it's specifically amended by statute 602 whereby it is 1, Prohibited to ( A ) report information with actual errors and 2, ( B ) Report information after notice and confirmation of errors when I continuously challenged their reporting of this account in my numerous 611 disputes with the credit reporting agencies and subsequent 623 disputes with them. 
On XX/XX/XXXX, I disputed balance owed as I never received any of the required paperwork such as all notices up to and including the notice of deficiency sent certified mail under the law which entitles them to mark my credit reports, payment history, date of last payment and so forth across all three credit bureaus after being denied various credit opportunities and products. 
On XX/XX/XXXX They denied my 623 request to see all documentation on this account ( only sales contract which is not germane to this subject ) to justify they were not erroneously reporting and continued to report it even though they also had proof that they were violating the FCRA by reporting the inaccurate and negative information differently across all the credit bureaus. Then on XXXX XXXX they sent a follow up letter stating my dispute was frivolous at which point I continued to dispute with the credit bureaus until XX/XX/XXXX. Under the FCRA, if any piece of information is not accurate and complete after an investigation is brought by a consumer the furnishers of the information must update or delete said information so that it is accurate and complete across all the bureaus it furnishes the information to or it faces numerous violations under the FCRA. 
I continuously asked through the entire dispute process with both the CRA 's and the OC to either update or delete the negative information from my credit reports and was continually thwarted by both all the while keeping me from receiving the great credit products and interest rates I would have enjoyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Account number XXXX in the amount of {$610.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-30
Company: REGIONS FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I made a checking account balance inquiry at a non-Regions ATM on XX/XX/XXXX. There was a notice on the ATM from the other institution that a fee would not be charged by them, but that Regions Bank may charge a fee. 

However, I was unaware that a {$2.00} fee would be charged by Regions Bank simply for getting my balance. It is a deceptive practice not to tell customers what the fee is for checking their account balance. While I was provided this information at account opening, that was over 15 years ago when I opened my account in XX/XX/XXXX. 

There should either be no fee to check your balance, or the fee should be disclosed to you before you proceed with the transaction. 

I would like my fee refunded for the Bank failing to disclose the fee to me at the time the transaction took place.

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 2021-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX illegally obtained my information from capital one without my written consent or permission. this is a violation of 15 USC 1681n. Please remove this account asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: GATEWAY FIRST BANK
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My father passed away on XX/XX/2018 and left behind a new mortgage that hed only lived long enough to make a single payment on. My sister and I have been trying since his death to assume the mortgage, but the mortgage servicer gateway Mortgage Group has been either unwilling or unable to give us a straight answer on what needs to be done or how we can pursue an assumption. They have been giving us the run around for months while charging fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I initiated a dispute with USAA after I had my screen replaced on my cell phone. The merchant sold me faulty equipment. I provided USAA a copy of the receipt as well as a receipt from XXXX indicating that the equipment was faulty. USAA has repeatedly failed to communicate with my via the agreed method " My Documents '' my old checking account was reopened and on XXXX USAA forced a withdrawal from my account. I spoke with " XXXX '' in Deposits and banking on XXXX indicating my confusion she stated that I failed to respond to the request for information that was sent to " My Documents '' and that I failed to prove anything. I asked her to please point out where in " My Document '' I could find this communication she placed me on hold and proceeded to tell me that it was n't there. I asked her what the reparations would be since I am unable to use my account she said the only thing she could do would be reopen the claim but it was unlikely to do any good. I repeatedly asked her how this was right because I was not able to respond to a request for information if I did n't receive the request. She declined to answer. When I continued to push for a response she repeated if there was anything else. I again asked her how was USAA going to fix this she declined to answer. I asked for a manager she refused and said that they would only re-open the claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received an annual escrow statement dated XX/XX/XXXX and noticed the homestead exemption I was granted was not included on the statement. ( new statement reflects a monthly payment increase of almost {$400.00} d/t county tax. I called mortgage company and they asked for me to send " granted '' document to research dept and provided me with fax number. On XX/XX/XXXX I called to follow up on fax and was told to give it 'a couple of days '' On XX/XX/XXXX I called the mortgage company ( Amerihome ) and was informed that the fax was wrong & the document should have been sent to the Tax Dept and was provided a new fax number and faxed the form on XX/XX/XXXX. I called on XX/XX/XXXX and was informed that " a letter has been mailed to you and you should receive within a week '' The employee said she could not see what the letter was about. I logged into my online account to check messages and nothing was sent. On XX/XX/XXXX I called back and was informed there was no record of any fax to research or tax department. On XX/XX/XXXX I emailed the mortgage company " XXXX '' and sent both fax confirmations and granted homestead exemption along with my account information. On XX/XX/XXXX I emailed them again requesting for someone to help/ contact me. When I called on XX/XX/XXXX I was informed that " the research department has until XX/XX/XXXX to research and make decisions '' In the meantime my payment is due XXXX and I have until the XXXX until it is considered " late '' I called the Attorney General who left me a voicemail to contact CFPB. Today I phoned the mortgage company and informed them that I called the Attorney General. They have located my document and now say it will be another 10 days to review. I have been in continuous contact with this mortgage company since XX/XX/XXXX requesting for the granted homestead exemption to be applied. I can not help but reach out since I believe they are doing this intentionally. I don't want a " late payment '' while rectifying the issue, however the mortgage company personal on the phone today confirmed that if I pay the new amount that I am " accepting '' the new monthly amount and will be up for a homestead exemption for XXXX. This is unacceptable. I closed on my house XXXX of XXXX and filed for the exemption in XX/XX/XXXX for XXXX, that was within the deadline and accepted by the county tax department.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Firstsource Business Process Services, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX, from XXXX XXXX  keeps calling me. 

This is regarding medical debt that I am both partially disputing the amount as well as trying to negotiate my final owe amount. I've already sent them two ( non-certified letters ), and I had explicitly stated that I would only deal with them via email. There is no reason for them to keep calling me.

Every-time they do call, but coincidence I wasn't able to pick up, and when I call back I am getting to their call center with no extension. One time I've picked up the phone, and they must have hung up when I tried speaking.

I am assuming that this isn't out of malice on their part to harass me, just gross incompetence with their phone system. But either way, please tell them to stop calling me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Experian Information Solutions Inc.
State: KS
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:
From XX/XX/XXXX until today I have been disputing fraudulent collection accounts fraudulent addresses and names that are spelled incorrectly on my credit report the only things I have been offered is freezing my credit which i had tried for almost a year and mad no difference in fraudulent charges being added onto my credit account even though my credit was frozen the creditors still allowed fraudulent debit collectors to add charges to my credit report Ive also been offered free credit monitoring and an added statement to my report warning that there has been and may still be fraudulent charges added to my report I have spoken to all credit bureaus over the phone pleading for them to stop letting fraudulent activities go on my report on my behalf and yet still 10 years later I am still waiting for someone to help me repair my report and reputation I have many inaccuracies on my report and it effects me so badly I have never been able to utilize my credit in an way possible I have also complained to the credit bureaus about an fraudulent secured credit card I had received 7 years ago that didnt not have the right no charge off on my report because I had placed a deposit on the card to receive it and I was also paying for loss insurance XXXX XXXX had offered to me when I signed up for the credit card which was supposed to be an option that allowed me to pay the card off in full if there was an emergency like a loss of job or other financial emergencies in which XXXX XXXX  never condoned or even offered this incentive I payed for when I had experienced sudden loss of financial willingness to pay my monthly bill I to also have a problem with the credit card company XXXX XXXX XXXX card fraudulently changing the dates on my report they have changed the date I received the card they have swapped older dates for newer ones so that the collection account the company has on my credit report will stay up to date and never expire For the last 9 years I have also had my state tax return taken away from me to pay fraudulent debts to an unknown company that takes advantage of the Kansas offset program and there has been several instances where I had no idea what happen to my state return where it went and why and I have given the Kansas offset program calls multiple times and I have never been told anything except my money was taken for an ambulance bill for the last 9 years i feel that I my financial stability has been robbed from me and I have lost all hope at this time because someone else is using my information to do whatever they want and there is nothing I can do about it

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