BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was alerted to an issue with my credit report via the Experian App. When I investigated the issue, a fraudulent account was opened with XXXX XXXX and never paid, so the debt collection was outsourced to XXXX XXXX XXXX XXXX A collections account was added to my credit report and lowered my credit rating. I contacted XXXX XXXX XXXX and they gave me information regarding someone in XXXX, CA using my social security number. The address is not mine and I do not know anyone there. The addresses on my credit reports are legitimate and do not match the XXXX, CA address. I have placed credit alerts and disputed the account with the credit bureaus. The collections account is in the amount of {$1400.00}, placed on my Experian Account XX/XX/2022.

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 2016-03-31
Company: WELLS FARGO & COMPANY
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I 'm not sure if this needs to be a complaint or just an answered question. Anyway, my wife and I went to a car dealership on XXXX/XXXX/15. My wife gave them an application for a car, was told it was approved, and she signed the paperwork and we left in the car ... .I was not part of any of the paperwork, application, nor did I give any of my information. 5 days later, I noticed I had XXXX credit inquiries where that dealer send my info for credit to XXXX different banks. I immediately called them, and they denied doing so. In fact, the sales manager put me on speaker phone and XXXX managers denied that it was even possible, said it must have been someone else, and copped an attitude about the whole issue. I called Wells Fargo, since they are the bank that the dealer said my wife was approved at, and they also denied running my credit. I to.d them that they ca n't deny the inquiry, when 's it 's clearly on my report, and was told again that it was not them. I told them I would get an attorney, so she immediately transferred me to the office of Wells Fargo president. After spending 2 hours on the phone with their office, it was determined that in fact the dealer did use my social security number, but my wife 's information. Wells Fargo called the dealer and instructed them to fix it. I called the dealer back, and he said that they pulled my data accidentally from 2 years ago, but did not use my name. They said it should have flagged that the name, DOB, and jobs did not match the file. They said they were n't sure what to do, but would fix it. Today, after XXXX calls, and XXXX email, the XXXX finally called me back and said that Wells Fargo just switched everything to my wife 's social security and all is good now, no need for new paperwork, or anything else. I told him I wanted a letter that I can provide to XXXX and the XXXX banks, and he said he would. He was still very short with me, never apologized, and acted like it was no big deal. Can something be done for them doing this? I now have XXXX Inquries, and a mess I have to clean up. It just do n't seem fair to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a call from a company called Portfolio Recovery Associates claiming that my wife had a {$1900.00} debt from XXXX XXXX and they immediately asked how I would like to begin paying it. My wife has never had her own credit card, she uses my credit card, and I have never had any dealings with XXXX XXXX. They actually send me credit card offers consistently but I discard them. They never provided any evidence for this non-existent debt and were clearly trying to extort money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: Amsher Collection Services, Inc.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a call in regards to making a payment. Made the rep know that I will pay on a certain date. He then stated thank you then hung up the line. Called back made complaint with supervisor. Heard nothing from supervisor and got a call from same company the next day after I made them aware the date I can pay. They can not post date a payment in their system. I then payed the debt and was told that if I sent an email to manager I could get it removed from my credit report because it was reported XXXX days before I made the payment. XXXX emails were sent to response. Made a XXXX complaint it was updated but not removed like I was told it would be.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: SIMM Associates, Inc.
State: CT
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A debt collector called me 4 times in a row and continued to hassle and threaten me. Demeaning my own dignity and respect, using condescending language and tone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, has 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 a account without my written instructions

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 2016-03-31
Company: WELLS FARGO & COMPANY
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was working on a modification agreement with Wells Fargo, in the middle of the process they sold my home. I thought I was receiving a modification in the doorway and I received a letter stating they had sold my home. I had paid an entire years with of payments to show financial stability, which I did. When I went to make the thirteenth payment they refused the payment. I then received a modification in the mail which extended the loan thirty more years, I questioned the validity of the extension and mailed to Minnesota from the XXXX in downtown XXXX, in the envelope provided by them. I waited and waited for a response, nothing happened. I then contacted them and they said they never received the document and letter. A long time had passed and expected something to happen, nothing did. I then called them, they explained I would then again have to go through the process once again. I submitted all the copies requested of XXXX forms, pay stubs, financials, including assets and payment made each month with, taxes, expenses, debts on auto loan. Received a letter in my door stating they had sold my home, it was going to be auctioned. You can imagine my devastated mind-set. I am confused the banking industry was bailed out a few years back to stop economic devastation. Banks were supposed to work with consumers to keep their homes not to make the process a confusing mess. Sincerely, 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 2016-04-06
Company: CHECK INTO CASH INC.
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
A debt collection agency threatened to issue a bench warrant and arrest me over a debt from 2014 from a payday lender. The agency made threatening comments, repeatedly called my work phone, and made other harassing comments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-05
Company: ESCALLATE, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I 've been receiving repeated calls from XXXX XXXX XXXX XXXX XXXX for a couple weeks now. The number is from Escallate, a debt collector. I have received no other calls or written notices for debt of any kind, from Escallate or any other creditor, and have no knowledge of owing any debt. Escallate failed to send a written notice within XXXX days of first contacting me, and has contacted me multiple times in XXXX day.

Company response to consumer: Closed
Consumer complaint received 2016-10-27
Company: Everest Receivable Services Inc.
State: NE
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled the account back in 2010 and this collection agency sold my account to another agency even after got a paid in full letter confirming paid off debt.

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 2020-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hello, my name is " XXXX XXXX '', I have been reporting about inaccurate items over a year. However, the response of the credit bureaus didn't make me feel satisfy. There are still some derogatory accounts that not belong to me and our business. I request investigation on these incorrect accounts that I list below. 
** Name ** _XXXX  XXXX This name was spelled incorrectly. My only real name is XXXX XXXX. 
XXXX Address reported** XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX CT XXXX These addresses are incorrect and need to remove off my credit report. Someone intended to put them in their to harm and intervene me from obtaining credit. I have attached my driver license and tax return document as proofs for my accurate name and address. 
XXXX*Hard inquiries*** _ FXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX These 3 account above are unauthorized inquiries. The information which credit bureaus provided, violated Metro2 Report Compliance by not reporting their contact information, remarks and dispute status. 
XXXX Inquiry : XXXX XXXX, XXXX Unauthorized inquiry and date furnisher has violated " Metro 2 Report Compliance " by not reporting there con contact information. 
**Collection** XXXX XXXX XXXX Reported XXXX XX/XX/XXXX I never receipt any loans or credit with this company. This collection was added in my credit report. As you may aware of section of 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report. I request the credit bureaus provide me full information of this collection and also proofs that you have followed F.C.R.A lawsuit in the process of adding this collection to my report.

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 2015-07-14
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I own a home in Virginia, and recently suffered a loss ( XXXX XXXX ) due to an electrical surge. My heat pump was damaged. The electric company admitted the problem and fixed the power line. I had a contractor replace the entire unit. My insurance company, XXXX, quickly sent me a reimbursement check made out to me, and Wells Fargo. I endorsed and sent the check to them, and they verified receipt on XX/XX/XXXX. It is now XX/XX/XXXX, and they refuse to release the funds to me. They have sent me approximately XXXX pages of documents, and I have mailed and emailed them approximately XXXX pages back. Every time I call them it is like a " comedy of errors. '' They keep asking for the same things, and they even directly contacted my insurance company, XXXX, twice. None of the documentation seems to satisfy them, and I have called at least 15 times. I have paid on time every month since I started this mortgage, and often pay extra towards principal. I do n't understand how they can hold my money, and give me the run-around when the insurance paid so quickly. The loss is relatively simple, a heat pump. Can you please explain why it is OK for a mortgage company to take a check and just hold it for over a month? I already have been damaged, and the mortgage company just makes it worse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: Netspend Corporation
State: TX
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Managing, opening, or closing account

Complaint:
I received a netSpend gift card for my birthday from my sister. When attempting to activate this card it asked for several pieces of personal information including my social security card. 

I have received other gift cards that did not require any personal information at all to activate it. I called an inquired why this is, they did not offer a reasonable explanation except to say it was for my security. If that was true they would not ask. Each time you give someone your social security number out increases the chances you will become a victim of credit fraud. 

I had no idea how much was on the card ( it was a gift ) apparently just asking for the balance costs XXXX cents each time you ask. So when I asked it had a balance of {$24.00}. 

Each time the card is used there is a fee charged. {$1.00} to run as debit and {$2.00} to run as credit for each transaction. 

This company is unscrupulous in their business practices and I have to wonder how they are able to do business in this country. To anyone who reads this I would not use this company for anything!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions 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:
Ive been a victim of identity theft and the credit bureaus keep reporting inaccurate information and its affecting my life tremendously. Ive reached out multiple time to Experian and they arent fixing my situation its never ending its stressing me out completely. Ive also explained how Covid 19 has played a part in this situation and they havent updated. The accounts that need to be removed are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2015-06-11
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I lost my $ XXXX. to a lie and was black balled in the education profession. Our teacher unions failed us but XXXX will take of this unjust situation! I have been unemployed and underemployed off and on since then. My mortgage company refused to modify my loan even though I informed them of my work situation. I have the White House and the Office of the Comptroller involved with this situation, I have been actively employment. This stress has caused me to have XXXX, XXXX and XXXX XXXX XXXX. Currently, have to go back and forth to the ER and XXXX XXXX XXXX for treatment. 
I filed numerous complaints to Office of the Comptroller, White House, XXXX, &. XXXX XXXX XXXX. Last year I told the I plan to sell the house. All of a sudden the mortgage went up to {$2400.00}. How did it go up that high when I could afford {$1800.00}?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Update my personal information and delete the accounts that are violating the FCRA

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 2016-12-07
Company: WELLS FARGO & COMPANY
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Bank shut down my account that was linked to my checking account and charged me {$100.00} in fees and would only refund half of my money. XXXX and XXXX at Wells Fargo refused to allow me to speak to a supervisor and said my complaint was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: OH
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:
In accordance with the Fair Credit Reporting act 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 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  has 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 a account without my written instructions

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 2016-08-08
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have a XXXX loan I took to help my son finish college at XXXX in 2012. The loan is serviced by Navient. I have repeatedly contacted Navient this summer to request a letter disclosing the loan principal amount and the total interest to be paid over the life of the loan ( assuming it is paid in accordance with its terms ). This is for a court proceeding. To date, Navient somehow can NOT figure out how to get this info to me, though I have spent many work hours ( when I should be working at my job ) trying to explain this to them. They keep sending me a letter that summarizes the interest paid to date and the remaining principal. I have received XXXX of these letters, but not what I am looking for. Even as I write this, I am sitting on hold waiting for the Navient supervisor to come to the phone to tell me ( AGAIN ) that they will produce such a letter. But they do n't seem to understand what I am requesting, and they definitely do n't seem to have a program or any other capability for producing such a letter. Does n't federal law require this? I thought XXXX XXXX loans were subject to Regulation Z or similar disclosure requirements. Can you please look into this? I am getting nowhere, and I have a court proceeding for which I need to produce this info. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: JPMORGAN CHASE & CO.
State: DC
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I have a Chase savings account which has not been active for a while. Chase sent me a letter on XXXX/XXXX/2016 to inform me that they will put safeguard measures on the account in 2 month. When I called the XXXX number on the letter on XXXX/XXXX/2016, the online rep told me the account does not show on his desktop 's pull-down manual. If I want to do anything to the account I need to go to a branch. I opened the account when I was living in XXXX, but I have moved to XXXX, as reflected on their record. I can not make a trip immediately. Chase 's notification is misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: BB&T CORPORATION
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a car 72 month fixed rate Loan with BB AND T bank. 
I never had late payment I always make payment on time but the interest keeps going up. 
I want to know why it 's keeps going up. I usually pay total {$470.00} per month with interest of {$61.00} BUT it keeps going up and I 'm currently paying interest charge of {$75.00}. 
I want to deduct principal so I pay extra per month but the bank always charge more interest every month. 
I need help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I lost my job and could not pay my credit card debt. I was going to file bankruptcy when my wife went out on XXXX. I did not think at my age I would find another decent paying job. I did get another job but this delay payments for 6 months when I called the credit card company they wo n't allow me to pay it. They keep having us call back and we 've done this for a week. We decided against bankruptcy since I 'm working again and have almost all our creditors paid off but this XXXX. We are not avoiding payment we want to pay them but they told us no and wo n't take a payment for what we owe and stated if we mailed them a check they would not cash it and would be sent back. Were so confused and frustrated we just want to pay off the debt and start building our credit again. We know that each day that goes by were impacted by late fee 's and interest and were frantic to pay it off ... please help us.

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