BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-24
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was applying for a loan yesterday when I was told by the loan officer that there was a collection item on my credit report for {$36.00}. I was given the collection company 's name and phone number and I proceeded to call Quality Asset Recovery immediately. I was told by the collector that the debt was for a medical XXXX and that I now owed {$38.00}. I asked why I was never sent a invoice from the collection company for I have lived at the same address for over 14 years and he had no response but to tell me I must have been billed from the XXXX party. So I immediately paid the bill over the phone with the collection company to get this item off my credit report and then called the XXXX party company to find out what happened? For I have had the same medical insurance ( HMO ) for over 16 years and with my HMO I am only responsible for paying co-pays so I do n't know why I would be charged in the first place? After talking with the customer service representative from the XXXX I was told the debt was from XXXX and that they did n't find it until XXXX and that because it was a billing error that I was only sent ONE bill which was printed on XXXX/XXXX/XXXX and mailed out a few days later. I was also told that the debt of {$18.00} and that I should have only paid the collection company that amount. So know I am really getting upset for the bill is supposedly from XXXX, I only was mailed XXXX invoice and now I just paid over 100 % of the initial debt owed. I did n't know a collection company had the right to charge over a 100 % in collection fees. And again the company ca n't use the excuse that some of that money was used to try and contact me for I had received NOTHING from Quality Asset Recovery, which again was confirmed by the collection representative that I spoke with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-09-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
After my mortgage had been changed over to Wachovia Mortgage from XXXX XXXX, it went into foreclosure in late XXXX ( Wells Fargo was the new owner at that time ). Wells Fargo being the new owner and in XXXX, while Wachovia no longer existed Wells Fargo went ahead and foreclosed on my, XXXX XXXX # XXXX, XXXX, CA., home. 
I was under the impression that the transaction between Wachovia and Wells Fargo had made them one -- I could refer to the Wachovia foreclosure and there would be the new current owner responsiibility. However, it turned out to be like chasing a ghost -- Wachovia no longer existed therefore I had no recourse. 
I submitted claim to the National Foreclosure Settlement because Wells Fargo Morgage was part of the settlement but XXXX said I would not be eligible for compensation as they could not find that my foreclosure was recognized as part of the settlement. I decided to call XXXX in XXXX XXXX regarding the ineligibility and the representative said I have your foreclosure paperwork in front of me and it makes no reference to Wells Fargo Mortgage therefore making me ineligible for compensation. 
After that conversation with XXXX, I realized why effort to look into this foreclosure there was no response. I found it hard to believe that Wells Fargo could get away with an underhanded move and get away with it. I know that Mortgage companies can sell and banks and take over on their dealings however I think, in this case, it was deliberate to use Wachovia 's name in the foreclosure as opposed to using their own name -- in order to avoid responsibility. 
Since Wachovia, owner of my property, no longer existed at the time of foreclosure, is it an illegal foreclosure? 
Foreclosure came about after many attempts to work with Wachovia i.e., short sale, transfer of title, modification, etc. and after paying outrageous early payment fees when I had refinanced. The pick a payment plan that I had while I was with Wachovia was a set up for failure from the very beginning. I lost all of my down payment and years of trying to work out a good situation between me and Wachovia.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Advanced Resolution Services 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: Public record information inaccurate

Complaint:
after receiving my credit report, i noticed that there is public records on my report and i would like to have it removed because it is a violation of the Fair Credit Reporting Act to report false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: ERC
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
XXXX Credit Card and XXXX XXXX ; I did not apply for the XXXX and was paying the Credit Card. Then I started receiving calls from a collection agency, I spoke to the woman, told her i could show her where I had just paid XXXX online payment, if she would give me an email address that I could forward to.I think the company 's name was XXXX XXXX out of XXXX, TN Area. This company continues to call me 3-4 times a week. I still charge online purchases through paypal and make payments online through them. But the collection agency continues to call and tell me I owe app XXXX. I have asked them to stop calling me and finally stopped answering when I would see their number. The number they were calling was XXXX. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-19
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I HEREBY DECLARE MY INTENT TO SUE. 

Despite my previous mail correspondence, your institution has failed to investigate and rectify errors contained on my credit report. Thereby you have violated the Federal Credit Reporting Act, due to which I have lodged complaints with the Federal Trade Commission and the California XXXX. I am allowing you 30 days to rectify the erroneous information ; your failure to do so will result in my filing suit against your institution. 

INCORRECT TRADELINES : 1. Enhanced Recovery Company ( ERC ) -- -Ac # XXXX # XXXX ... This item is inaccurate because the creditor nor ERC furnished proof that this debt is mine. I am requesting that the item be deleted to correct the information and an updated credit report be sent to me. I am enclosing a recent credit report, which indicates that this account continues to reflect on my credit report. 

I intend to file a suit against Enhanced Recovery Company and XXXX XXXX XXXX in small claims for removal of erroneous information on my credit report. In your investigation, I respectfully request that you forward to me a description of the procedure used to determine the completeness of the item in question within 15 days of the completion of your re-investigation as required by the Fair Credit Reporting Act. 

I thank you for your consideration and cooperation. If you have any questions concerning this matter I can be reached at XXXX. 


Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-04
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Issue: Late fee

Complaint:
Chase Bank is manipulating the payment receipt date so that they can charge late fees. My XXXX payment was due on XXXX XXXX. Chase charged me a late fee because they claim they received the payment on XXXX XXXX. That is not possible. Chase received the payment on or before XXXX XXXX. XXXX XXXX is a Sunday and the XXXX does not deliver mail on Sundays.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
weiis Fargo continues to show me in arrears on a line of credit account by some $ XXXX which they admit is an insurance charge despite my contention that I have provided them insurance papers.This arrears listing has cost me numerous credit applications and they promise to correct it but have not/ How do I, a little old retiree stand a chance against such a monsterious corp. Thank you for any help.

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 2015-09-23
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased furniture from XXXX XXXX and I received about {$3500.00} in defective items. I made numerous phone calls and sent numerous e-mails to the merchant, but I received no response from XXXX XXXX. I purchased the goods with my Wells Fargo Financial National Bank XXXX XXXX credit card # : XXXX. I am dissatisfied with the goods I received from XXXX XXXX and I have tried in good faith to correct the problem with the merchant. I may have the right not to pay the remaining amount due on the purchase. I am disputing the following charges : {$2800.00} and {$760.00} on my credit card account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After 4 years of trying to obtain a modification from Wells Fargo - ( as explained in my other complaint - XXXX ) unsuccessfully, I am now reporting all and any attempts by Wells Fargo that delay, undermine, confuse, and or subvert and sabotage our attempt to reclaim our home. After 2 months of working with XXXX Home Mortgage Preservation Specialist ( XXXX XXXX ) and sending redundant documents which where then denied were received on several occasions, we have just today been notified of a NEW Specialist, which will start the process all over again. This will only increase the arrears and I believe this to be deliberate. 
There is no question that we are now in a position to pay a reasonable mortgage payment and that has been proved continually. These constant machinations to detain conclusion is damaging, against the law and there is no good reason for constantly switching specialists.

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 2015-12-03
Company: WELLS FARGO & COMPANY
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My girlfriend paid off a personal loan at Wells Fargo I had. The next month I got a statement in the mail from them with reversed charges and reversed payments which then left a balance on the account that should have closed when she paid it off. That was in XXXX. I just got another statement with a balance of {$460.00}. I tried to get it resolved when the account was paid off, but was told I just need to pay it or it will go on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: GA
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:
15 U.S.C. 1681 section 602 A. states I have privacy!!!!!! 15U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. Consumer reporting agency is also supposed to do a proper investigation to see if the debt is mines by interviewing my jobs and neighbor which they failed to do. Putting in metro 2 software to the other agency to come back verified is not the proper way in law to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX is again trying to collect a debt that I do not owe using another collection agency. I opened a compaint before that they had sent to another agency and that collection was closed. Now they are tyring to collect using another one. I have not received the {$75.00} deposit I paid them. I stated that they should take their money out of that and send me the remainder. They have done nothing except to lie the the other company about paying me my deposit. I do n't owe them anything as I have yet to receive any of my money back..

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-13
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My account number with Wells Fargo is XXXX. 
I do believe that XXXX XXXX has caused my account to become delinquent. This started with the XXXX payment of this year. I am enclosing a payment history file to show this fact. Payments I was told to make to bring the account up to date were put into my Chapter XXXX program. Not Fair that is why I have put this file together.

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 2015-08-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Recently checked credit report.Found XXXX late payment from Wells Fargo Dealer Services.Calledfaxed email proof of payment .Showing paid on time.Company still refused to remove late payment. Also asked for them to be removed from credit report. Due to the fact of inaccurate info from " WFDS :. The refused to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: HONOR FINANCE, LLC
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I paid off my car loan to Honor Finance, I used the same credit / debit card I have used for the past 10 months and am now told that they will not release my title or any other documentation, which establishes that my note is paid in full, unless I send a copy of my credit / debit card as well as a copy of my drivers license. I asked why and they just said it was their rule and their way of making sure that I do not stop payment. How can sending a copy of my card and license assure this company of anything, much less guarantee a payment, which has already cleared my bank? I feel that they are holding my title, for a loan, which has been paid in full as a hostage to gain personal information, which they already have on file. I do not feel that additional information should be necessary as my loan is paid in full, the company is aware of my mailing address and contact information as well as credit / debit card information as they have been processing that card number as payments all along. As far as I can tell, through my research, their steadfast refusal to release my car title in a reasonable amount of time, say 30 days is nothing short of taking my title as hostage after final payment in an effort to obtain information they already have. This is unfair, unnecessary and unprofessional conduct. Any help you may provide would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have hard inquiries on my Equifax credit report that I did n't authorize or recognized. These are the following hard inquiries 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 ) and XXXX XXXX GA XXXX XXXX XXXX. Also identify theft was played at fault in many of these unauthorized accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-08
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I have been approved for a Short Sale process 3 times and it was approved. The buyer walked away. I have just submitted a new offer at the agreed purchase price and now the bank is refusing to accept 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 2015-06-12
Company: WELLS FARGO & COMPANY
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I can not believe that Wells Fargo has made such a huge error and reported me late on XXXX 2015 when I made a payment. This brings me to question and dispute all the late payments they are disputing and I wonder how many times I made a payment and they still reported me late. This is not fair and for someone who is trying to get caught up on this student loans and do the right thing, I ca n't seem to get ahead because of the blatant error made by Wells Fargo. I am in the process of applying for a mortgage and this is now delaying the entire process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-21
Company: WELLS FARGO & COMPANY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
yet again have diputed what wells fargo have not complied to do, over XXXX complaints against wells fargo bank fraudulent forclosure XXXX to XXXX every time i diput because they havnt answered my questions now iam in the process of hiring a atterney to sue wells fargo for fraud and perjury committed in all courts around america from XX/XX/XXXX concurrant the CFPB have done nothing for me or all the other fradulent forclosures and i have all the originall paperform letters and documants no matter how long it takes i will prove that wells fargo committed fraud and perjury

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 2016-05-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a loan modification and have had documents pending since XX/XX/2016, They have never denied me, They keep asking for documents, and we submit them, over and over again, I went in front of the judge last month thinking the problem will be cleared up, but to no avail they are still saying they have not received documents. I am asking for your help in solving this matter. I just want to start making payments on the property.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
To whom i t may concern, I have sent correspondence to all three credit bureaus regarding public records ( Tax liens and Bankruptcies ) on my credit report and asked them to permanently remove the information off of my reports because they have it listed as the courts and the record of deeds as th e parties who placed the information in my report and that is inaccurate information, i have correspondence from each stating that they do not report to credit bureaus and it is a violation of the Fair Credit Reporting Act to report false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Checksmart Financial, LLC calls me multiple times a week for a debt that is not in my name even after being told repeatedly the person they 're looking for does not reside at my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card
Issue: Bankruptcy

Complaint:
My wife and I filed bankruptcy in XXXX XXXX. The bankruptcy was discharged in XXXX XXXX. A Wells Fargo credit card was included in the bankruptcy. Wells Fargo continues to report the balance is owed and payments are delinquent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I was filing for my credit report and they started asking incorrect information about me. It stated I had mortgage loans being open around XXXX XXXX, Retail cards being opened around XXXX XXXX & a bank card being opened around XXXX XXXX and all of that is false.

Company response to consumer: Closed with explanation