BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-13
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX purposely exposed my partner and me to an egregiously high-interest rate and loan repayment on a late model vehicle. When I became sick with a rapidly advancing XXXX two-years after the loan repayment schedule began, I requested the loan be leveraged and the vehicle returned to XXXX to avoid repossession. XXXX refused to allow me to return the vehicle and instead illegally repossessed it from the garage of our home which sits on private property. 

I was left without a vehicle and XXXX quietly began harassing us for repayment. At the time, due to my illness, I was unaware that XXXX had a class-action suit against them for abusive and aggressive lending practices to vulnerable populations such as those earning lower wages, minority communities, the elderly, etc. Just last year a collection agency stating they were working on behalf of XXXX, began contacting us stating they would take a partial payment and cancel the remaining debt. Eventhough I was still recovering and needed one more operation, we scraped together the monies, totaling nearly {$6000.00}! All three major credit bureaus still are reporting excessive amounts due and that the account is written off. 

We were promised this debt would be settled and removed. It has not and XXXX states they refuse to remove it. They are reporting all types of monies due from $ XXXX to $ XXXX, depending on the credit report. Even if I look on XXXX  XXXX the amount due is different than what each individual bureau reports it to be : Equifax - {$35000.00} reported as total due as of XX/XX/XXXX XXXX  - {$37000.00} reported as total due as of XX/XX/XXXX XXXX  - {$25000.00} reported as total due as of XX/XX/XXXX Several attempts have been made through the XXXX major credit bureaus to rectify and/or remove this erroneous data! How could we owe {$10000.00} ( +- ) on the exact same day? I was humiliated while nearly sick unto death. We asked XXXX, under the right to cancel the loan due to illness or death, to return the car due to XXXX under the terms of our agreement, but XXXX refused! I tried reaching out early on to ask for support to keep the car for our family 's needs but finally had to concede to request to return the vehicle as they refused any changes to the contract - even legitimate ones! The court has found XXXX guilty of excessive interest loans and we are proof of that. We joined the class action suit against them in effort to rectify this matter! Our auto loan was over {$1000.00} per month! So we could not possibly owe the funds they claim as XXXX XXXX knew we were vulnerable because of my XXXX! Please reinforce fair credit practices and make them remove these ridiculous, excessive and cutthroat charges from my credit profile!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo was the servicer of our mortgage until the first of this year, when they transferred the servicing to XXXX XXXX XXXX. When we started receiving statements from XXXX it was clear that XXXX 's accounting was incorrect regarding the principal balance. We spent countless hours with XXXX trying to correct the errors, only to come to the conclusion that they really couldnt make sense of the mortgage history they adopted from wells fargo and referred everything back to Wells Fargo. On XXXX XXXX, 2017, i requested a mortgage history from Wells, and am still waiting for that, after many calls and requests. They say they are working on it, but in the mean time i have missed the selling season on the house and have incurred much XXXX and other damages.

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 2018-01-29
Company: AMERICAN EXPRESS COMPANY
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 status incorrect

Complaint:
American Express have a collection or listed a credit cards I have never used. 
This is wrong and not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase on XX/XX/XXXX for some items from XXXX XXXX online XXXX XXXX XXXX for {$180.00}. It appears that the company is based in XXXX. I noticed that in XX/XX/XXXX, I still didnt receive the items. So I requested a refund. The company admitted that my package was never delivered to me and told me they would give me a refund once they received the items back. I did not receive the refund as I cant return what I dont have. So I filed a dispute with my credit card company, Apple Card. As of yesterday, the company refused to give me a refund and the Apple Card representatives said because the companys provided proof that I purchased the items and the company said they were giving me a refund, they are ruling in the merchants favor regarding the dispute. Therefore, the {$180.00} charge will stay on the card.This is not acceptable because I never received the items and the company has not given me a refund. Apple Card is not a safe credit card to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 sent letter to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/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
Consumer complaint received 2017-12-29
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Dynamic Recovery solutions spoke to me about a debt I attempted to get the representative to email me information to make payments online, she refused this was on XX/XX/XXXX at XXXX. She wanted me to give her my cc or bank # to set it up automatically I told her I can go ahead and pay myself online she got upset and said collection activity will continue and to call her back when I was ready to give my information over the phone. I received another call the same day at XXXX from my understanding if they spoke to me and I requested information in writing that should be sufficient in a day. I feel harassed and disrespected at the fact that im willing to make my own payments and they wont allow me to unless they get my bank information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
This morning I received a email that reads On XXXX, Wells Fargo reported a bank account opened with your SSN. My wallet was and identity was stolen on XX/XX/2021. I did not approve this account or authorize anyone to open an account. This is unauthorized. This is fraud as I have no account with Wells Fargo open. I have a fraud alert on and no account can be open with verifying its 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 2017-07-11
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
When my mortgage company was Green Tree, I was paying 7 % and was struggling. I applied for a loan modification and was rejected. During this time I was in Chapter XXXX. Later I learned that according to the consumer protection agency, many customers were lied to by Green Tree. They were told that they were not eligible for a loan modification when in fact they were eligible. During that time I got behind and got caught up as part of my chapter XXXX. When I got out of chapter XXXX, I tried to get a mortgage refinance or any thing that I could, including any available goverment program. They told me that I was not eligible. They turned me down. At this time they put a statement on my credit report saying that I got behind in payments and it was caught up as part of a chapter XXXX. I guess they did this to justify denying my refinance. Yes I am still paying 7 % when the interest rate is much, much lower. They did take the statement off of my credit report, once I paid a company to clean my credit. I also was told that what they did was not legal. I do not know what to do to take legal actions against them, but I will. Obviously they stand to lose money by charging me what the actual interest rate is these days, instead of 7 %.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Aldous & Associates, PLLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
i recently applied for a mortgage but there were XXXX outstanding credit collection items both related an accident. I broke my arm due to slip on wet marble floor XXXX XXXX was taken the hospital by an ambulance company. The ambulance company billed my insurance over {$1000.00} but my deductible was {$400.00}. I was not aware there was a balance. The ride to the hospital was less then XXXX blocks. Had I known i would have walked to the hospital myself. In addition, my gym continued to charge me despite not going for months due to a XXXX XXXX. They renewed the service despite that i was not attending. I closed my credit card to stop the gym charges but they tried to continue to collect fees. 
I am now forced to pay for these extortion fees to clean up my credit for services not rendered and overcharges by the private ambulance service company. 

XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX Amount {$400.00} representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX AM tele XXXX XXXX XXXX Service performed XX/XX/XXXX XXXX Collection Agency # XXXX Tele XXXX XXXX XXXX Amount {$78.00} representative XXXX XXXX services for : XXXX XX/XX/XXXX Please note i had not gone to the gym since XX/XX/XXXX because my arm was broken and was in a cast. They charged me for months of services despite i had asked them to stop charging. 


i paid the charges to end this from being reported past due but the taint will continue to be reported as late bill. It is wrong that i have pay for these illegal fees. 

My contact : XXXX XXXX tele XXXX XXXX XXXX birth date XX/XX/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 2017-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying for two weeks to get my credit freeze thawed so I can complete a mortgage loan I am working on. I did n't have my security pin so I called Transunion to find out what I needed to do. I was transferred to XXXX where I was told that they would mail me a new pin in XXXX days. I never received the pin, I called back and they said they would mail me another one. I needed the credit freeze thawed so I insisted that I need it done now. I was told they are n't allowed to do that. I asked to talk to a supervisor and I was given the same story. I asked to speak to the supervisor 's boss and I was told I would have be transferred to XXXX. I was transferred and the lady I spoke with said if I sent a fax and a copy of my drivers license that they would thaw my credit. I tried for two days 100 's of times and the fax number is always busy. I called back to the number in XXXX and I was told that they get so many faxes to the number that it is always busy, but to keep trying. It is crazy that a company as big as Transunion ca n't handle a simple credit freeze removal. Only one fax number for 1000 's of customers is definitely customer no service.

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 2022-02-16
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On Sunday, XX/XX/XXXX I received an email from Wells Fargo informing that my mortgage payment would go from {$2200.00} to {$3300.00} due to a shortage on my escrow account. I reached out to the bank asking why this was happening. I was told that it was due to historical numbers being used to analyze my escrow account. My escrow payment more than doubled and Wells Fargo sent this to me without doing any sort of investigation or analysis. Why would something like this make it out the door to a customer? Wells Fargo insists that my escrow account is short over {$4000.00} after they made adjustments to actual amount due for property taxes. I asked for the bank to analyze and tell me why this was so and why only a balance of $ 4000+ was added to my initial escrow account after my refinance closing disclosure reflects that over $ 10,000+ was included in closing costs for property taxes and insurance. Wells Fargo is unable to tell me where over $ 6,200+ included on my closing statement went as it was never credited to my escrow account and there is no explanation as to what happened to that amount which was added to my mortgage at closing. 

I would like Wells Fargo to do a complete analysis of my escrow account and explain where the $ 6200+ dollars went and why only $ 4200+ was credited to my account after closing which is contributing to the shortage on my account. Resolution of this issue escapes Wells Fargo which is unfortunate because my mortgage is there and after several times of asking the bank to cancel this escrow account so I will make my own payments I was told no on several occasions. Once I was told that I can not have the escrow account closed because I was not making payments on time which was untrue, in addition, I was told because I have private mortgage insurance on my property I can not have the escrow account removed. 

I need assistant to have this issue resolved because I cant seem to get anyone to care enough to resolve this issue or even figure out why I prepaid funds at closing which is unaccounted for and never credited to my escrow account. 

Thanks. 
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 2017-07-11
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:
Equifax has fraudulent accounts posting to my credit file I have sent them police reports a identity theft affidavit and a ftc report so that the fraudulent items can be removed the fraudulent items are XXXX XXXX XXXX XXXX and XXXX XXXX The other two bureaus  have removed these fraudulent accounts, by law equifax has to remove fraudulent accounts and block them from reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
State: IL
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:
Choose according to account type. These can be combined 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: NJ
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:
Choose according to account type. These can be combined 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 non-monetary relief
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I certified mailed Transunion a Notarized FTC Identity Theft Report, along with a copy of my drivers license, Social security card, utility bill and cover letter. I called Transunion to check the status of the fraudulent accounts on XX/XX/XXXX. An agent said that the XXXX account listed on the Identity Theft Report was verified as accurate by the creditor.. I then mailed another letter to Transunion certified mail on XXXX XXXX stating " This agency ( Transunion ) is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following account must be deleted from my report immediately : This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following account must be deleted from my report immediately : '' I called Transunion again today and was told again that the XXXX account was verified as accurate by the creditor. I am soooooooo upset by all of this. I am a victim and Transunion is not following any of the laws as well as disregarding my documents I have mailed to them. Please make them remove/block this account.

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 2017-09-13
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV FUNDING LLC is continually placing a collection, as well as a closed account listing on all of my credit reports for the amount of {$480.00}. I do not know who or what this company is. I have tried contacting them multiple times requesting a full validation of debt and nothing has been done nor have I received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: New Era Asset Management, LLC
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Over the past 2 days, XX/XX/XXXX & XX/XX/XXXX, I have received 5 calls from New Era Asset Management ( XXXX XXXX ) seeking restitution for a past due credit card bill. But, I have been harassed by one individual, a " XXXX XXXX '', who evidently works for this company. He called me all 5 times : 2 separate voicemails and 3 direct dials. I called the company back and settled the debt, closing the account. 
However, this is a complaint of the excessive calling which I have received. I feel that this is credit harassment by New Era Asset Management. 
On XX/XX/XXXX, I filed a report with the XXXX XXXX XXXX, XXXX, New York, requesting that no further contact be made to me by New Era Asset Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 account with CAPITAL ONE, account number is XXXX, should have no 30 days late on the month of XX/XX/2020 and XX/XX/2020 because I have not received any forms of billing information or any notification that this account is due or something. This is not an error on my end. As you can see, I have a good records in paying these. With that being said, sending written letters and a lot of attempts on reaching out to 3 Credit Bureau and Creditor were neglected. This should be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Square Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I used CashApp to purchase items from a seller on social media. When the seller did not deliver the products purchased I tried to dispute the transactions and was told I couldnt dispute pending transactions. Then when completed I was told I couldnt dispute completed transactions. Now Im out {$1000.00}, still have no products I purchased and CashApp wont even talk to me about them.

Company response to consumer: Closed with explanation