BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-25
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I went through a series of unfortunate events that made fall behind in my mortgage in XX/XX/XXXX, I tried to modify my mortgage for many times, we even went to court but the modification was to pay even more than the original amount. My last resource was to do a short sale but after an approval letter on XX/XX/XXXX, my realty was told that the approval failed. We do not understand what is going on with Wells Fargo but they really want me to lose my house to a foreclosure. My realtor has a buyer with the money ready to close on the house for over one year now the bank has all the paperwork that they asked for and told us it will be 2 weeks, now is like 6 months. 
I will really like to get to the bottom of this, its being 7 years now in XXXX XXXX that I am trying to save my house but all efforts have failed. I went through a divorce, my son going to college and me losing my job, all legitimate situations. I have proof all of the modifications attempts that were failed. I really believe that Wells Fargo has made this impossible for me. I feel that I being violated and will like to get justice on it. At the end of all I will like to stay with the house, I have it for a long time but when the houses devaluated in XX/XX/XXXX, all my nightmares began. 
Can you please help me, my telephone is XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
In XXXX, I needed a loan in order to pay my rent. I am XXXX retired XXXX veteran, largely living off of my XXXX pension. Cashnet USA, the Pay Day XXXX loan company I borrowed from, initiated predatory repayment practices immediately. They deliberately schedule automatic debits from my bank account before the end of the month, not even on the last day, with the obvious purpose of forcing customers into collection status. They essentially intercept my XXXX payment now, because my account is charged almost immediately after I receive my XXXX payment. They charge such a high interest rate XXXX 299 % ), in addition to various fees, that my balance only goes up, rather than down, even with regular, large monthly payments. 

My last payment was {$410.00}. They have nearly reached a 100 % profit mark through my repayments. They forced me to borrow more, when I did n't wish to, because they intercepted my XXXX payment one month when I relied on that exclusively. I had no other means of paying for rent and food, and was forced to borrow again. Their system keeps me XXXX and others ) in permanent debt, continually leeching money from bank account. I can not get them to stop, but if they do n't stop adding unfairly large interest, I can never pay off the balance in full, which is the only way to end their abuse of me. 

I would gladly pay the balance, if they would only stop increasing it every month, but I can only do it that if they do stop. It became clear to me that this is exactly the result they intend to create, especially with the fact that they debit the account so early, before most people are paid. I believe I have acted in good faith, and that they have trapped in this system of theirs. Had I realized that they designed this system to be inescapable, I would never have applied. 

I am writing this as a plea for help, for arbitration, to get this predatory company to leave my federally protected XXXX pension alone. My bank is XXXX XXXX XXXX, in Virginia. They are unable to stop Cashnet USA from debiting my account repeatedly, without my signing an affidavit of fraudulent activity, which I am not sure is appropriate, as I entered into the agreement voluntarily ( although misled by Cashnet USA XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XX/XX/XXXX, I noticed a " credit account '' attached to my business account at Wells Fargo Bank from XXXX Today for {$6200.00}. This was a surprise since I did not request any such account. I called and communicated via email to Wells Fargo Bank and tried to cancel and each time they tried to convince me to keep it. In addition to that Wells Fargo Bank sent me a credit card for purchase of products from " XXXX '' a company that sells carpeting, even though I did not request for such a card. I finally was able to get Wells Fargo to cancel the credit account on XX/XX/XXXX, but was told that I would be responsible for any charges on the credit account. This is unacceptable. Wells Fargo has not right to play games with my account. This is a clear case of ongoing cross selling by employees that is continuing despite government investigation into Wells Fargo business practices.

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 2016-06-22
Company: HONOR FINANCE, LLC
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I had contract with Honor Finance for a car that they financed ( XXXX XXXX XXXX ). Each and everyday, Honor Finance would call, text me then send an email to my employer 's email regarding payment. I have asked verbally, and have sent written notification for Honor Finance not to call or send emails to my job, but they continue to ( see attached ). About a week ago, I traded the XXXX XXXX. I spoke with XXXX XXXX and let him know that I no longer have the car and to contact XXXX. XXXX was furious and after a few words, abruptly hung up the phone on me. Calls and emails continue even as of this date XXXX XXXX, XXXX and I am stressed out and harassed by Honor Finance customer service and XXXX XXXX. I need for this to stop as it has elevated my XXXX XXXX. If you look at my emails from XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX where I clearly state for Honor Finance not to send emails to my job, BUT, they continued to do so. XXXX XXXX always threatened to take the car and report a bad rating on my credit. He even told me that he was doing me a favor by letting me keep the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Over the years I have obtained annual reports periodically. On XX/XX/2019 I paid {$1.00} to get an annual credit report from Experian. 
On XX/XX/XXXX + XX/XX/XXXX Experian then charged my credit card {$21.00} for a monthly report. I called Experian and their representative " XXXX '' only would stop billing me further without explaining how this happened.. " XXXX '' said the company would not refund the previous fraudulent ( to me ) charges from XXXX and XXXX. I can speculate that Experian has a check box somewhere disguised on the {$1.00} report web page such that they are allowed to begin charging monthly reports on unsuspecting elderly clients such as myself. 
I do not need the refund money. This is predatory of Experian and I hope you will stop this from affecting other folks. 
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 2021-06-03
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX granted me credit on XX/XX/2016 with a balance of {$17000.00}. The card was maxed out. The Creditor closed my account and the total balance of {$17000.00} was paid in full. The account still states on my credit report as paid account but delinquent. The account was never delinquent and it was paid in full. This needs to be updated as just paid in full account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: CCS Financial Services, 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:
this collection account is listed on my XXXX  as negative and it effects my credit. Creditor assured me upon receiving full payment within XXXXdays collection would be removed from my credit report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I check my XXXX XXXX  report and on my trans union report it showed that my XXXX lon account was removed from the report. I just recently opened a loan and my payments are in time and up to date, the XXXX XXXX  representative advised me to file a complaint here.

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 2022-08-04
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate the account, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX 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 2023-03-29
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hello, I made a wire transfer from my chase checking account on XXXX XX/XX/XXXX the amount of XXXX XXXX Dollars and send it over to my own foreign bank account in XXXX. Overseas  I have a dollar account meaning when I send money from U.S I will get dollars in the foreign country. I contacted my bank in XXXX and asked them to double check if there is money holding they double check from XXXX 's the money is not there either. they have check all of their system. 

I went to chase bank on XX/XX/XXXX to asked them if they can provide XXXX Document in which the branch supervisor said we don't have that document it only produces this document when chase is receiving the money and in my situation you are sending money so we don't have that document. 

its been 10 days I would like to know where is my money? I also need to add on I did a online wire transfer and the bank account name or address has not been changed at all and I have done many transactions to the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: TrueAccord Corp.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received an email from XXXX XXXX XXXX on XX/XX/2021 that stated as follows : Dear XXXX XXXX, The above referenced account has been placed in our office for collection. In order to assist you in resolving this debt, we can offer the following options : You may resolve your account for {$2600.00}. To accept, make your payment by XX/XX/2021. 

I made a payment on XX/XX/2021 in the amount of {$2600.00} to XXXX XXXX XXXX who was operating on behalf of XXXX XXXX XXXX. I was told that this matter was closed and would be removed from my credit report within 30 days. After 30 days it was still on my report. 

I contacted XXXX XXXX XXXX on XX/XX/2021 to complain that I had not received a receipt for my transaction and this matter was still on my credit report. They in turn assured me that this would come off soon and sent me a letter stating that my debt has been settled in full and my balance owed to XXXX XXXX XXXX was {$0.00}. 

Today, XX/XX/2021, I received an email from another collection agency requesting a payment of {$5700.00} and offering a settlement option on behalf of XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Over XXXX towns and goverment on my documents and home contents and also using computers and deniged me credit and loans and keep my stuff messed up and also with scams and land developments ect..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
a company called portfolio recovery has been calling my number virtually every day since 2006 if not longer. My son has asked them to stop calling and I have done the same. When my son warned them of the laws, the calls stopped for a few weeks then began again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02
Company: M2 Law Group PC
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Idaho XXXX XXXX To Whom It May Concern : My name is XXXX XXXX XXXX and I am filing an official complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IDAHO XXXX. 

The attorney falsified details on a complaint filed in Third Judicial District in the State of Idaho ( CASE # : XXXX ). 

I requested proof of debt which is my legal right. Letter of Validation : Collection efforts, i.e. documentation, phone calls and/or letters from both the XXXX XXXX and/or his office. No proof of debt was provided. 

In the complaint he stated that he made numerous attempts to collect debts and again 10 days before complaint of judgement was filed. There has been no collection efforts from XXXX XXXX or the attorney. I sent a letter requesting proof of all actions. NONE was provide. This debt is no longer owe- according to XXXX XXXX 

The attorney, XXXX XXXX XXXX knowingly and intentionally practiced deceit knowing that his action would cause hardship and unnecessary XXXX I also filed a complaint with Idaho State Bar Association regarding his actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Kriya Capital, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This collection was a corporate account and mistakenly reported on my profile. I believe there may be an error on this collection account. The XXXX and XXXX Credit Bureaus chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 is inaccurately reporting my loan payments as 30 and 60 days late and they were not. The amount I paid was paid on time but was more than the monthly payment because my escrow amount changed. I contacted them as soon as I noted the error and each time they told me that it was being corrected. They put my money in unapplied and never credited my account. I continued to call and each time they told me that the account was being corrected. They never corrected the account and actually sent my payments back. I had to deposit the checks they sent to me in my account and then make my payments over the phone. I have documentation from my bank showing that the payments were made on time and also of all my conversations with the mortgage holder. I simply want the inaccurate late payment flags removed from my credit 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 2019-12-05
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: Was not notified of investigation status or results

Complaint:
I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from Equifax and XXXX throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed an account on my credit which was investigated by the credit bureau ( Experian ) and concluded. The dispute was concluded. The Creditor company, XXXX XXXX XXXX XXXX, concluded that I owe them for early termination of the account even though I canceled the account in less than 30 days of opening and returned their credit card processing machine to them. I contended that I do not owe them since I canceled the account on time and returned their equipment to them. They insisted that I owe them and concluded the dispute. 
However, they left a dispute comment on my Experian credit as if the dispute is still active even though it has been concluded. I want them to remove and delete the " dispute comment '' from credit since it has been concluded by them after the investigation by Experian. It is holding and preventing me and my wife from our mortgage application process. The banks and mortgage companies said they can not proceed with our mortgage application with the " active dispute comment on my credit. '' I need them to remove the dispute comment only and not remove or delete the account since they insisted that I owe them. The credit bureau ( Experian ) said that it has to be removed by the creditor company since they put it there. The XXXX XXXX XXXX refused to remove it even after I requested them to do so through Experian several times. 
I called the XXXX XXXX XXXX on XXXX/XXXX/15 and spoke the Account XXXX, XXXX XXXX, about removing the dispute comment. She agreed to remove it at start of our conversation. And she concluded with me that she will recommend to Experian to remove it. However when she requested that I pay the debt and I said that I could not, she became angry and probably do n't want to remove it again as she agreed to. It is on record that she initially agreed to remove it as they recorded our conversation. 
I have waited since XXXX/XXXX/15 when I spoke to her up till today XXXX/XXXX/15, ( I just spoke to her again ) and she has refused remove it. She referred me back the Experian to remove it. I called Experian again today and they insisted that the creditor has to remove it. Hence this complaint. The dispute comment has been on my credit since XX/XX/XXXX and has prevented me and my wife from proceeding with our mortgage application. We intended to buy and move into the home by now but we are being stalled by the dispute comment. 

PLEASE HELP ME AND MY FAMILY TO PREVAIL ON THE XXXX XXXX XXXX XXXX, FROM PUTING A HOLD ON OUR LIVES BECAUSE OF THE DISPUTE COMMENT ON MY CREDIT. 
Thanks. 
Sincerely, XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation