BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-03
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I just became aware of it. 

The security questions are asking if I applied for a car loan in 2013 and I never did. 

At this time I can not publish any suporting documents. I have also had the Social Security Office ask the security question of whether I have obtained an auot loan in 2013

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: Local Management, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
The Fair Debt Collection Practices Act states that companies who are attempting to collect a debt can not share personal and/or account information with references. References should be used in the location of the party that has the account. Companies are not supposed to tell who they are calling with or disclose any account information ( i.e. payment amounts, due dates, late fees, etc. ). I have had this problem twice with this company. The first time was with my XXXX-year-old ( now deceased ) grandmother. My account information was disclosed to her. In XX/XX/2019, this company contacted my father in an attempt to reach me. The problem arose when they disclosed my payment information, late fees, and other pertinent information about my account. My father made a payment on my behalf, and my grandmother did as well. They threatened my grandmother with rude comments about calling the police amongst other things. I brought this to the attention of the manager of the company. The first time it occurred, the manager was apologetic and assured me that it would not happen again. I contacted the company again when my father was contacted. The office manager ( or whatever her title is ), who goes by the name of " XXXX '' was very rude and short with me. She assured me that if my references were talking about making a payment that she " is gon na give them all of my account information ''. Luckily, I had the call on speaker phone and my husband, XXXX XXXX, can attest to hearing her rude attitude and the comments that were made by an unprofessional employee of this company. I am appalled because I know for a fact it is against the collection laws for them to disclose any personal information to anyone who has not signed loan paperwork with me. I signed alone, I am not a minor, so they are not allowed to discuss my account with anyone. I understand asking for my location, asking for my phone number, or even leaving a message for me to contact them. However, being unprofessional and disclosing my private information in order to get a payment in their books is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX XXXX XXXX STARTED REPORTING A {$710.00} COLLECTION AMOUNT THAT IS NOT OWED TO THEM. I BOUGHT A CAR THROUGH THEM AND COMPLETELY PAID THE LOAN IN FULL AND THEY HAVE NEVER SENT ME A NOTICE ABOUT OWING {$710.00} DOLLARS AND I WOULD LIKE TO HAVE THE ACCOUNT REMOVED FOR INACCURATE INFORMATION Installment Installment Account Number : XXXX Payment Responsibility : Individual Individual Date Opened : XX/XX/XXXX XX/XX/XXXX Balance Date : XX/XX/XXXX XX/XX/XXXX Balance Amount : {$710.00} $ XXXX   Monthly Payment : Collection Collection Past Due Amount : {$710.00} {$710.00} Comments : LAST REPORTED DELINQUENCIES : XX/XX/XXXX=I5,XX/XX/XXXX=I4,XX/XX/XXXX=I4 CHARGED OFF ACCOUNT AUTO ACCOUNT CHARGED TO PROFIT AND LOSS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NationStar/Mr Cooper I paid my mortgage in full on XX/XX/XXXX I called on XX/XX/XXXX to inquire as to why I had not received my escrow check I was told it was mailed on XX/XX/XXXX and I should have received it. 
I was told a stop payment would be placed and issue a new one. I requested it be sent express mail and was told it would be. 
On XX/XX/XXXX I still had not received the check so I called again. 
I was told a new check had not been issued but due to the circumstances a direct deposit would be done to my account by XX/XX/XXXX I was asked for my routing number, account number etc. 
Today XX/XX/XXXX the money is not in my account. 
I called again and was told no money was direct deposited that would require me to send a voided check. Was also told on XX/XX/XXXX a request was put in to have a check cut and mailed to me. 
I asked to speak with a supervisor but was told there is not one. 
Also told it will take XXXX hours for check to be cut and XXXX days to receive in the mail. 
By law my escrow is to be returned in 30 days. They have confirmation that although they cut a check, I did not receive it and they are in default. 
I am terribly dissatisfied and have gotten a different story each time I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: Flagstar Bank, N.A.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My family was a victim of Flagstar Banks mortgage servicing tactics. Our initial modification application took 20 months to process. I recently learned that there was a settlement made with people in our situation and I had no knowledge and was not included in this settlement. My belief is that they sold our loan right before they made this settlement to avoid responsibility.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PRO COLLECT is claiming that I owe them {$3300.00} but I didn't recognize this debt. Please Remove this inaccurate collection from 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 2020-09-04
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX my refinance loan was funded by XXXX in the amount of $ XXXX. 
I had a conventional mortgage plus a down payment assistance loan that I was refinancing. The down payment assistance loan was for $ XXXX plus 3 %. The loan was for 30 years with full payment due then or sooner, if I refinanced or sold the condo. I took out the original loan XX/XX/XXXX of XXXX. 
The company that bought my mortgage in XXXX is XXXX. Loancare had origially sent an incorrect payout amount for my down payment assistant loan. They received and accepted the payout for the conventional loan on XX/XX/XXXX. However, Loancare rejected and sent back the money for the down payment loan on  XX/XX/XXXX. Loancare called my title company, XXXX XXXX, saying that Loancare had made a mistake, that the first time home buyer loan payout was short over {$15000.00}. What happened was that Loancare subtracted the 3 % from the principal of $ XXXX instead of adding it. They sent a payout letter asking for just over $ XXXX instead of just over $ XXXX. They also said that I needed to pay them by the first business day of the next week. I checked their math, and found that Loancare was adding daily interest beyond XX/XX/XXXX. I told the title company and Loancare that they needed to fix that. I was not liable for interest added after Loancare 's mistake. Loancare sent another payout letter to the title company. It was wrong again, this time the letter had the original mistake plus the daily interest. 
This back and forth has been going on ever since. Today is XX/XX/XXXX. Even the legal department at the title company has told me to get a lawyer. I have since paid Loancare $ XXXX to principal in the hopes that that would force Loancare to redo their math. I was hoping they would get it right. Nope ; Loan care has sent XXXX XXXX title a payout letter stating that I owe them $ XXXX, a principal amount of $ XXXX minus 3 % instead of $ XXXX plus 3 % for six years, then minus $ XXXX principal for a total of about $ XXXX. 
I am trying to pay what I owe. I have been trying to fix this for MONTHS!

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 2015-04-23
Company: Cadence Bank
State: MS
Product: Credit card
Issue: Billing disputes

Complaint:
Hello, Please see the attached document for your review. I am filing a complaint regarding merchant, XXXX XXXX in the amount of {$990.00} charged to my XXXX on XXXX XXXX, 2014, under services not rendered as described. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have an account with Wells Fargo Auto. Wells Fargo Auto merged with Wells Fargo and have made all consumers to login or re-enroll with Wells Fargo. 

WellsFargo.com will not take my information as an existing or new user. After several hours on the phone and being transferred to 4 separate representatives, I was advised that the system did not and would not recognize me because there are two profiles. I had a personal banking account over 10 years ago under my maiden name. Because of that WellsFargo is not a allowing me to log in using my current login info and they are not able to merge my account unless I personally go into a branch by appointment or mail them documents ( proof of marriage, name change, etc ).

I do not want a personal bank account ( just auto loan ) with WellsFargo and nor do I want to provide the bank with documents they should not need. I was fine logging into my auto loan account and making payments until this merge. I should not be forced to go into a branch by appointment during the pandemic to provide them with documents of my name change or mail them the documents.

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 2021-03-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Wells Fargo XXXX XXXX engaged in discriminatory lending for my private student loan by informing me that I required a US citizen co-signer even though at the time of application was a legal XXXX XXXX holder with a valid Social Security Number. Based on the landmark legal precedent set in a similar case against Wells Fargo by illegal aliens who were also denied credit on the basis of citizenship and national origin, Wells Fargo admitted that its lending policies were a violation of state and federal civil rights laws. 

Therefore, given the auspices in which Wells Fargo operated at the time of my student loan application, the terms of my private student loan were made under the same violation of federal and state laws. Wells Fargo created a situation whereby a US citizen co-signer was involved in a loan that was in violation of existing laws at the time these events occurred in my procurement of a private student loan. Furthermore, my civil rights were also violated as a consumer. Afterwards, when my degree was completed, Wells Fargo communications to me and the co-signer of my student loan, gave the appearance of communicating MORE with my co-signer than myself. 

Per XXXX XXXX XXXX : XXXX : XXXX The agreements come more than three years after MALDEF and O & G sued Wells Fargo XXXX arguing the banks policies of making DACA recipients ineligible for unsecured consumer credit cards and loans violated federal and state civil rights laws, including 42 U.S.C. 1981 and the California Unruh Civil Rights Act, that prohibit discrimination based on alienage and immigration status. The agreements provide an opportunity for DACA recipients who live in California to receive cash payments of up to {$2500.00} for each denial of credit from Wells Fargo, and for DACA recipients elsewhere to receive up to either {$100.00} or {$300.00} for each denial of credit.

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 2023-01-20
Company: TRUIST FINANCIAL CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
To answer your question, I was denied an extension of credit once I submitted the consumer credit application to obtain a vehicle. 
As you may know it is against federal law in accordance with Equal Credit opportunity Act to proclaim an adverse action against a consumer. Pursuant to the 15 usc 1691 ( c ) and you assume civil liability pursuant to 15 usc 1691 ( k ) XXXX XXXX has violated my federally protected rights.

If you had such permission and or permissible purpose who gave it to you? 
Your corporation is in violation of 18 usc 1028 ( 7 ) 15 usc 1691 ( c ) 15 usc 1691 ( k ) 15 usc 1681 ( m ) 12 cfr 1002 Since the letter you sent me dated ( XX/XX/2022 ) is both a proof and evidence that I have been discriminated against, you are also criminally liable. ( XXXX XXXXXXXX ) should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.

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 2015-06-06
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Santander Bank is force placing insurance on my loan due to XXXX rules that should not apply to my property - they are wrongly treating my building like a giant apt complex instead of a small cooperative building. Numerous email and phone calls have gone unanswered - always need to talk to someone else who is never there. They have no force placed added insurance and will deduct cost from my escrow. They are stealing from me. Can you please help me get a satisfactory response from this dishonest lender? Will you please help revoke their banking charter, as they are clearly robbing consumers as a general practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I wrote a cease and desist order on my account, however the company is still calling and send various letter in the mail about the debt. I have called and tried to speak various people in leadership but no one seems to care. They stated and I quoted. the do not have to abide by Debt collector rules.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax does not respond to me in writing to provide status of my many requests to delete unauthorized inquiries appearing on my credit report. 
1. XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX2.XXXX XX/XX/XXXX3.XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX4.XXXX XXXX XX/XX/XXXX5.XXXX XXXX XXXX XXXX XX/XX/XXXX6.XXXX XXXX XXXX XX/XX/XXXX7.XXXX XXXX XX/XX/XXXX8.XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: Monterey Financial Services LLC
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I changed banks and forgot to set up an automatic payment out of the new bank. I paid my payment when I realized the error, but the institution charged me a late fee. 
The next month I sent XXXX payments to make sure I was current but they started calling about the {$20.00} late fee obsessively. 
I paid the late fee and gave them a confirmation number and a date they will be getting the payment. The calls will not cease. 
They have been calling 3 times a day, 3 to 4 days a week since XX/XX/2016. I have called them 4 times and each time they assure me I am off of the call list. I also get massive text messages and e-mails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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: Problem with personal statement of dispute

Complaint:
Hello, This is the fourth or fifth time that I must contact this agency to fix the issue. This is not customer friendly or consumer-oriented. The company 'XXXX  XXXX XXXX illegally opened two accounts in my name instead of one. Proceeded to split charges between two accounts, while only sending paper statements for one. Represented that the account was fully paid off with a credit limit of {$1000.00}. Meanwhile, the other account was overdue with a credit limit of only {$300.00}. The website they provided to the consumer was NOT operational and the consumer could not log in. The consumer sensed something was wrong and submitted numerous tickets through XXXX XXXX online portal to alert the company that the user could not log in to view statements and that only statement of {$0.00} due was being sent. Finally, the consumer called 'XXXX  XXXX XXXX to find out what is going on, at that time XXXX XXXX has finally admitted that there were two accounts and one was past due collecting fees well beyond the credit limit. The consumer paid off the actual amount due for the item purchased and refused to pay the late fees due to the illegal practices of the company and misinformation. The consumer also requested that all of the accounts be closed immediately. 

The company 'XXXX  XXXX XXXX, instead of waiving fees, recorded the account as 'C/O ' at {$480.00} and stated that they are the ones that initiated the account closure. Not only that, but the company 2 years later are also still reporting this account as 'C/O ' misrepresenting that the card is open/active. 

The company 's XXXX XXXX XXXX ) justification for this illegal practice was that it provided consumer statements via email. The consumer has provided copies and documents of these emails which contain no statement information. The only information they contain is a link to the account with verbiage that the statement is ready. This does not provide any indication to the consumer about any issues or amounts due. 


At this point in seeking resolution for over two years, my rights as the consumer have been severely violated by damaging my credit score and continuously reporting erroneous information to the credit bureaus.

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 2020-01-06
Company: Experian Information Solutions 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS ARE REPORTING DEROGATORY TRANSACTIONS ON MY CREDIT AND I WOULD LIKE THOSE TO BE CORRECTED. I WAS UNAWARE OF THE ACCOUNTS UNTIL I WAS SHOPPING FOR A CAR. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS PURGED FROM MY CREDIT FILE.

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