BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-16
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
in accordance with the fair credit reporting act XXXX account CREDIT COLLECTION SERVICE, has violated my rights XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Months ago I finally did my homework on what was ruining my credit score. My ex wife used my personal information to apply & used credit cards without my consent. She used her phone number & email address so I couldn't receive notification. If there's no justice in that, why bother being innocent. Even the police don't seem to care. Take initiative that I'm looking for a better future & these criminals need to be hold accountable. 

Blessings ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Recently I was looking at my mortgage and trying to work out how I could pay my loan off faster then the remaining 15 years. The amortization calculator was not adding up right and I was thinking it was because Id had different levels of interest rates during the first 6 years of the loan. I contacted Mr Cooper, who is my current loan service provider, to request an amortization schedule. I was devastated to discover that at the end of the mortgage period I will owe {$170000.00} plus {$22000.00}. There is a line in the contract that says If on the Maturity Date Borrower still owes amounts under the Note and Security Instrument, as amended by this Agreement, Borrower will pay these amounts in full on the Maturity Date. I mistakenly assumed that this amount was the deferred principle balance of {$22000.00}. There is another line on a different page the again states The loan is payable in full at maturity. You must repay the entire principle balance of the loan and unpaid interest then due. There is a payment schedule showing different interest rates and the payments amounts for years 1-5, year 6 and lastly years 7-22. There is not a balance due listed at the end. No where else in the contract does it say that that balance is going to be almost $ 200K. The language If on the Maturity Date should have been When on the Maturity Date. I feel like I was deceived or intentionally misled by XXXX. I didnt think I would need to pay an expert to look over a mortgage contract that was through a government assistance program such as HAMP, but obviously I was wrong. If Id been made aware that this was the contract they were asking me to sign I would have either tried to negotiate it or at least have been prepared to try and pay my mortgage down earlier. At this point I will be XXXX years old when my mortgage matures and will have to try to figure out how to pay $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Bright Capital Inc
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
To help my credit score, I decided to use a debt-paying service called Bright XXXX on Friday XX/XX/2023. Everything except " Bright '' has been my experience with this company. It has been very dark to say the least. They use very misleading marketing, advertising, and pitches. They loan you {$50.00} upfront and you pay it back in increments of {$10.00} once month. Supposedly by doing that they report your on time payments to credit bureaus. 

Where the fraud comes in at is they lie and say its {$7.00} a month for premium service sounds cool right? NO! ANNUALLY, they charge you {$88.00} for a service you never tangibly receive results from ( a very unexpected/hidden fee ). They also lie and say that with the premium service you get 24/7 real live money experts to answer any questions or concerns you may have, you get a " financial plan '' which is supposed to be tailored to your needs.

These are tailored lies that they hide behind to scam money out of people who are just trying to fix their debt and increase their credit score. I have current screen shots that show I have only received messages from Bots no real person ever. I have yet to be contacted by a real person, I have contacted them on their social media, and by email. Both times the responses were generated I can also assure you that another lie that they mislead people on telling them that some one will respond back to them in 24hrs. There is no customer service at all. Another Lie.

By fraudulently stealing people 's money and making frivolous statements and false promises, this company takes advantage of those in financial need and trying to pay off debt. Irreparably misleading marketing and advertising are the hallmarks of their entire business model.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: PA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX, Account name : XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-10-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: CT
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: PatientFi, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits on XX/XX/. They furnished this account that we didn't agree upon and I didn't sign an agreement on in the amount of XXXX dollars. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA i'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXXXXXX Date Opened XX/XX/2014 XXXX {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX there was a withdrawal of {$200.00} on an ATM in XXXX in XXXX XXXX and another one of {$800.00} in XXXX XXXX XXXX in XXXX, the scammer also transferred my savings to my checking account to add to the account. I called to make a fraud claim and they gave me a provisional credit until they saw it was fraud or not, so the provisional credit made the scammers bought stuff from the next day from pending to granted. On XX/XX/XXXX they also stole and bought {$950.00} worth of XXXX  in XXXX and then got gas for {$110.00} in XXXX. All of this was pending but the provisional credit that the bank gave me, approved the payments of all that the scammer bought, they said it wasnt fraud because the card was used physically even though I had my card with me and I have a XXXX XXXX, there was no reason to go to one ATM to another.

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 2023-11-27
Company: OneMain Finance Corporation
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A cease and desist was sent to this company. The company has failed to abide by federal law. They are still reporting information on my consumer report after a cease and desist has been sent. I am sending the cease and desist to the company again. Pursuant to 15usc 1692c. ( c ) I am notifying you in writing that this is not my alleged debt and I am demanding that you cease all communication with me through any and all mediums. My credit report is a medium of communication. I am invoking my specified remedy as a consumer, and the original creditor I am demanding the following : Pursuant to 15 USC 1692c. ( c ) ( 2 ) Zero out the balance on this account Delete account from all consumer reports Your company can purchase this alleged debt. However, you can not purchase my information. You are infringing on my right to privacy which is a federal violation. I have the resources to take this as far as needed. I will not hesitate to sue if this is not resolved. Best, Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to Lakeview Loan Servicing , LLC and since the moment they have bought my loan, it has been a complete nightmare. I have Automatic draft set up for the XXXX of each month, and every month i'll get 6-7 phone calls throughout it with an agent asking me if I'm able to make a payment. The payment was made, but they continuously keep putting it in the wrong account. This has been ongoing for month, and even being proactive, calling ahead to get confirmation they applied the payment to my exact loan, I'll still get calls throughout the month telling me i need to make a payment. They go in and check, WRONG ACCOUNT AGAIN. Their customer service is terrible and no help. You get the same response every single time. " I'll take care of this right now for you, it won't happen again '' only to get a call a week later showing nothing was done. After reviewing the XXXX website, there are hundreds of reviews of this same exact thing happening to them. How can this be such a widely known problem and nothing is being done 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
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: TN
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:
In accordance with the Fair Credit Reporting Act. The accounts listed below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I contacted Experian, XXXX and XXXX to reinvestigate the following accounts : XXXX. XXXX Card, Date Opened : XX/XX/XXXX, Balance : {$5700.00}, Partial Account Number : XXXX XXXX. XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00}, Partial Account Number : XXXX. 
However, they stated everything was complete and accurate but that is not true as the open date, date of the last activity and much more are incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isnt reporting correctly.

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 consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also, Experian, XXXX and XXXX are not even in compliance with XXXX credit reporting. I have evidence to prove my case.

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 2023-01-30
Company: Capio Partners, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
1. They have called me 3 times per day for the past week, starting on XX/XX/2023. They are claiming I owe more than I actually do- I owe {$300.00}, they are asking for {$900.00}. They will not tell me who the debt is owed to. 
2. Today ( XX/XX/2023 ), they called my job and asked for my full name, social, and address. When they refused, the operator was rude and argumentative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Leading up to student loans resuming, I tried several times over the course of XX/XX/ to log into my online Nelnet account to confirm details such as payment amount, bank details, and automatic payments. I was unable to log in, and their automated account recovery process didn't work any of the times that I tried ( No email was sent to my email address ). Not sure exactly when my due date is, I called Nelnet 's help phone number this morning XXXX XXXX XXXX and have been on hold for 2 hours now with no end in sight. I'm worried about suffering consequences of not paying if I continue to be unable to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I filed a homeowner 's insurance claim to repair water damage. The initial payments were issued directly to us, but the project crossed a threshold where the insurance co-issued the check to our mortgage company. First they said they would endorse it with an invoice. We mailed them the check, but then they immediately returned it to us, and asked us to endorse it and return to them. Then they deposited the check into an escrow account without informing us or the insurance company. They held it without notifying us of what documentation they needed or how to ever get paid from it. They keep changing their story of what paperwork they need and how to get an inspection scheduled. The customer service representatives have no access to how to schedule the inspection, which company is going to perform it, or what to do when we are inevitably NOT contacted by any inspector. I believe they are intentionally holding onto our insurance funds as a company financial asset. They consistently refuse to put any communication or requests for documentation in writing.

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 2023-01-09
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XXXX of XXXX  My debit card was taken by an unauthorized individual and they were allowed by Wells Fargo bank to withdraw funds from my account with out my knowledge or permission.

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 2023-10-27
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: TN
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  Account # XXXX Account # XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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