BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
Company: Williams & Fudge, Inc
State: IN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have a payment plan scheduled for the XXXX of every month. I have explained my financial situation and my inability to pay more. The company calls me repeatedly every day from several numbers, emails me and has contacted my employers several times even with a payment plan in place. 

After informing the company that I do not work for a previous employer they continue to contact them as well as my XXXX ex partner, divulging information as to where I am currently living and my current phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: WELLS FARGO & COMPANY
State: NJ
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:
Wells Fargo XXXX issues in Colorado XXXX XXXX, XXXX XXXX, handled my account, I ran up a bill totaling around XXXX and could not pay it on time because I was hurt somehow in the Town of XXXX and XXXX to leave. 
Ended up changing address this happened in XXXX. 
Wells fargo could not reach me and by the time they did it had already gone to collections. We tried to settle but they gave us a very hard time. 
I also had Issues with XXXX XXXX XXXX and XXXX with a girl named XXXX XXXX from XXXX XXXX XXXX Florida. 
XXXX XXXX who works for the XXXX XXXX XXXX in NY. may also be involved in something. XXXX XXXX of XXXX XXXX XXXX might know something t

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 2022-09-13
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I initiated a balance transfer from my US Bank visa credit card to my XXXX XXXX credit card in XX/XX/2022. XXXX XXXX sent a check for {$3800.00} on XX/XX/2022. US Bank sent info to XXXX XXXX saying they received it and it was processed on XX/XX/2022. However, the account number was apparently wrong on the check. They claimed they figured out the account didn't exist, so they never processed the check, and it was sent back to XXXX XXXX on XX/XX/2022. It was sent back to the co-op address listed on the check, so it wasn't an actual XXXX XXXX branch or facility. I have been dealing with this since the beginning of XXXX, and I have been going in circles with both banks. Initially, US Bank said they never even received the check, but now theyre telling me they sent it back XX/XX/2022. I have had double the minimum payments, more money spent in interest charges than money on the card for US Bank, my credit usage on my credit report doubled overnight and has stayed there for 3 months even though it's false, all while giving XXXX  to my son and he and I being in the hospital on and off for over a month due to complications. I'm beyond frustrated and at a total loss of what to do. Both banks have representatives who seem to want to help, but no one is ever able to get any answers or gets contradicting information. I have called US Bank and gone into branches over a dozen times the last few months and I've halled XXXX XXXX  a handful of times. All because I filled out a balance transfer request online and it combined the date it was being transferred with my credit card number. It was a long list of numbers, and half of them were zeros. Only last XXXX numbers of the credit card were correct.

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 2022-09-13
Company: Nelnet, Inc.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Nelnet/Department of Education noted that " I will need to reach out to those services to obtain your payment history. Per the attached information provided regarding loan history and payment history. No one has the payment, full history of, or even the interest rates for the time between XXXX to justify the loan amount. 
XXXX XXXX XXXX XXXX XXXX to XXXX - XXXX is no longer in business per your words American Student Assistance XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX These companies have no information that I was able to obtain and one is no longer in business. This information should have been provided to the next loan handler when they received this loan back in XXXX, however, they were not. No one can provide me with the full history of this loan so how can The Department of Ed OR Nelnet justify its existence if you don't have all the viable financial information, especially the interest rate of an account that went from around {$7500.00} to over XXXX? Nelnet even took money out of my account when they reopened it back in XXXX and it wasnt noted anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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 was a victim of identity theft and there are inquires on my report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Spring Oaks Capital, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company called twice with a local phone number. I called back. They asked for my name I hung up. I tried again asked for their name. They said Spring Oak Capital I gave them my last name they they said they made a mistake and would take my number off the list. I dont know what they do or what list. It seems like a scam/phishing and Im worried I compromised myself

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: CREDIT ACCEPTANCE CORPORATION
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Credit acceptance corporation violated my consumer rights by entering me into a false and deceptive contract. 
They never showed or offered me a non disclosure form, allowing me to opt out of my personal information being sent. 
They refused payment that was sent through the mail in coupon form. Ucc 311. Ucc 3-419, UCC 3-311 .

Remittance transfer payments. 18 usc 8.

They ignored multiple letters to Cure the situation.

They required me to place a {$6000.00} down-payment to purchase my vehicle which is Illegal during a consumer credit transaction, open ended transaction.

Charged me an illegal finance charge. 15 USC 1605. 0 They proceeded to sell my information to a a third party repossession firm and took the vehicle off my property without my permission. 15 usc 1692, 1692f. 15 usc 6802

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 2017-07-06
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have sen t 2 me ssages to the company using their secure messaging system on their website. I have also called them twice in an effort to get them to close an account that has fraudulent activity. Barclays Bank Delaware closed the account with the fraudulent charges. Therefore I am getting monthly bills with fees on the fraudulent charges, since I will not pay them. Ironically the company assures me over the phone that I do not owe anything.

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 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-04-25
Company: HCFS Healthcare Financial Services of TeamHealth
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: Account information incorrect

Complaint:
On XX/XX/18 I certified mailed a Validation of Debt Letter to XXXX in relation to a debt collection I received. XXXX failed to respond with the information as is required by the FCRA. They then put several accounts on my credit report. 

These actions are illegal according to the FCRA and I am demanding that all items be removed from my credit report as well as a check to be written to me in the amount of {$1000.00}, as is required by the FCRA for this illegal offense.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: CITIBANK, N.A.
State: KS
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a savings account on XX/XX/2021. I transferred {$600.00} from my XXXX XXXX XXXX  XXXX XXXX  account to my new Citibank account. When the money posted into the Citibank account, two days later they blocked my account and accused me of fraud and blocked all my funds. I was not able to access my money. I called Citibank 21 times XXXX totaling almost 6 hours XXXX to resolve the issue with them to no avail. Some of the calls were disconnected by the Citibank staff and they did not give me any answers. They told me that they are closing my account and are sending the {$600.00} back. I asked them why they closed my account and accused me of fraud but no answers were given. They later told me that they were sending me my {$600.00} and it would take anywhere from 30-60 days and now it is over 60 days and still I haven't received my check. They have no physical branch near my location. The closest branch is about 5-6 hours away and that is why i couldn't go resolve this with them in person.

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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
In accordance with the credit reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX violated my rights. 

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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no report containing any of the following iter other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C. 16818-2 ( A ) ( 1 ) A person shall not furnish any inform : consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-09-13
Company: Spring Oaks Capital, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2022, I received a letter from The Law Offices of XXXX and XXXX, a debt collection attorney. I called the original creditor on the letter listed as Spring Oaks Capital SPV , LLC. They told me to cal XXXX, who is not a collection agency just a software company that finds debts and hands them out to other collection agencies or Law offices. 

I then emailed The Law Offices of XXXX and XXXX to inform them that all communication MUST be in writing for my records. They called me, when I told them not to. I again, emailed The Law Offices of XXXX and XXXX to inform them to again keep all communication in writing, email or mail was fine. They called me again. So I called back and the gentlemen asked if he could record me, I said " no '' I need you to keep all conversations in writing so he hung up.

My issue is the lack of following the 15 U.S. Code 1692c when I asked them to keep ALL communication in writing. I offered a debt settlement and they just kept calling. I am not against a settlement on this debt, but I am against someone violation 15 U.S. Code 1692c, I have the phone records and emails available if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX  needs to update my credit report for XX/XX/2021. It shows on my credit reports Ive utilized 129 %. As of XX/XX/2021, my secured card shows a 3 % card usage. Im in the process of buying a house.Therefore, I need all 3 credit reports and credit scores to report accurately and on time each month. XXXXXXXX XXXX  dont ever do this!

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 2023-03-15
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage is with Rushmore Loan Management Services. I fell behind during Covid due to loss of hours for several months at work. I work in XXXX XXXX and was considered an essential worker, so I did not get to be furloughed with pay. I have been working with Rushmore, and was given a Forbearance for a few months to help me save money. At the end of the Forbearance in XXXX, I was behind 10 payments. After 3 months of processing and correcting an error on their end, I was approved for a NY Term Agreement, where they put 6 payment on the back end of my mortgage. This left me with 4 payments I owe, totaling {$5400.00}. I have been trying to work on a loan modification for that amount, but the options they gave me are unaffordable. They wanted me to pay {$1100.00} for 3 months, and then they will raise my rate from 3.75 % to 7.875 %. I can not afford {$1100.00} per month. My point of contact person advised me to reject that offer, and say I want to spread the balance out over 12 mos..or put some money down, and spread the remainder out over 12 mos. I have agonized and done the math every which way I can think of, and I can not afford to have my payment go up over 12 months. 
I have worked hard to save money to bring my mortgage current. I have {$5000.00} saved up but this will leave me with no reserve, I am so nervous that if I have no reserve and something breaks in my house, or I become ill and can't work a day or two..then I have no savings to draw from. I spoke with XXXX XXXX for advice, and XXXX strongly advised I do keep a reserve, and pay what I can, and ask to put the remaining on the back end of my mortgage. 
I would like to put {$3000.00} down, and put the remaining {$2400.00} on the back end of my mortgage. I am aware they already put 6 payments on the back end, but this would enable me to bring my loan current and pay my monthly mortgage going forward. I am trying so hard to make this work. I am going to XXXX XXXX in XXXX so I can make more money and better my finances. I am trying. 

I appreciate your help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Fraudulent accounts have been reported to my credit file that I have No knowledge of nor have I received any goods or services from these fraudulent accounts and Inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: FL
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2021-06-08
Company: EQUIFAX, INC.
State: AZ
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:
XX/XX/2021 I noticed lots of errors listed on my Equifax credit report, so I called them about incorrect addresses listed along with credit inquiries I have no knowledge of. I spoke with someone at the company by the name of XXXX XXXX in the fraud department, she actually removed the inquiries from my credit report and gave me a confirmation number of XXXX. Equifax has yet to update the credit report nor mail me an updated copy after I have requested it several times. I honestly believe at this point they are just lying to there consumers to get them off there phone and continue to make money off them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: ALLY FINANCIAL INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing this complaint to ALLY FINANCIAL. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2.

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 2022-09-13
Company: EQUIFAX, INC.
State: PA
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:
Currently, XXXX, Equifax and XXXX are reporting a Bankruptcy XXXX XXXX. I initially sent a letter to all three bureaus on XX/XX/2022, asking if this Bankruptcy could be validated. While waiting for a response I reached out to the Bankruptcy Court and asked if this information could be verified. In turn I was was advised by, Bankruptcy Court does not share or report information with XXXX, Equifax or XXXX. Because I understand it takes time to process a validation requested, I waited until XX/XX/2022 to send another follow up letter. I had received no responses, therefore I requested for XXXX, Equifax and XXXX to provide any supporting documentation that would validate this bankruptcy. Yet again I still received not responses. I sent 2 additional letters on XX/XX/2022 and XX/XX/2022 requesting the bankruptcy be removed from all three bureau 's as none of this information has been verified. Furthermore there were also several student loan late payments and collections accounts on my report that incomplete and inaccurate reporting. As far as the Student loans, I had sent several letters dated XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022. I noticed there were several late payments indicating I was 120 days late however the previous month I was on time. How can you go from on time to 120 days late within 30 days. This is not accurate and should not be reporting. I have sent four letters asking for validation and i have not received one response, or proof supporting the reportings. Lastly there had been some collections added to my report i had no knowledge of and again i requested for these documents to be validated and i haven't received anything. i have attached all the letters i have sent.

Company response to consumer: Closed with explanation