BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-08
Company: Check Security Associates, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX has called me numerous times a day leaving messages stating that I must call him immediately about my case and that they will be garnishing my wages. He then proceeded to call my mother, step mom, and both sisters and gave them personal information. He told them I wrote a bad check, or that it was a legal matter. Both of which are false. I had already spoken with someone there about making payments, but they still call my family members and threaten to call my work. Also, I requested they mail me verification of the account and they refused. The woman argued with me saying my contract with XXXX was now theirs and that everything I agreed to with them, I had agreed to with her company.I told her that since she was n't the same company, I had not signed a contract with her. She got very upset and then finally agreed to mail me a letter.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: Check Security Associates, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Was recenty contacted by several family members stating that they were contacted by XXXX XXXX @ XXXX Case # XXXX. That is fine to locate me but it was disclosed that they were trying to collect a debt, and gave my banking information. To another family member they represented themselves as attorneys, and that they needed a statement for a pending judgement case. To my understanding both of these are violations of the FDCPA, and I would like to know what can be done about it. I am not saying the debt is not mine, but I am not sure if a law has been broken here, I need to know what recourse I have in protecting myself. I mean if I give them my payment information whose to say they do not take more than I owe if they are willing to break the law to try and contact me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, INC.
State: MI
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: WAKEFIELD & ASSOCIATES, INC.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I am having an ongoing issue with a collection agency : Wakefield & Associates ) for an account which I have disputed and requested information on. The company has repeatedly marked the account as meeting FCRA requirements but have not once provided documentation under the Fair debt collection practices Act. i have asked that they do so. 

The account appears to be a medical collection, which is strange because I do not have any medical debts. 

I am asking this agency to provide the needed oversight for this company to take my dispute seriously, and it shames me to have to do so, but they have not been helpful and have only stone walled me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection that is being reported to XXXX by Ideal Collection Services in the amount of {$9200.00}. This collection is being reported in error. It is a duplicate of a collection that was removed on XXXX XXXX, 2021, for the same amount. They removed the original reporting from all three agencies ; however, the duplicate that was reported to XXXX was never removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: EQUIFAX, INC.
State: TX
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 the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that were open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$940.00} XXXX XXXX {$660.00} XXXX   XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$38.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Submitted dispute online on XX/XX/2020. As of XX/XX/XXXX it has been more than 30 days without any results being sent to me. All information disputed needs to be immediately deleted from my credit report as allotted time for Transunion to investigate per FCRA has passed.

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 2017-02-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
For 10+ years now, the ex-wife, XXXX , has refused to remove my name from the joint-loan home mortgage, which is located at XXXX XXXX, XXXX XXXX TX XXXX. 
The ex-wife 's social security number on the divorce decree states it is : XXXX 
At current, and through public info online, I believe the ex-wife resides somewhere in Texas, specifically not at the above named address, and a cell phone number that has her actual voice recorded on voice mail is XXXX. It is unknown if she actually uses or maintains that phone number. 
Throughout the 10+ years at the above named address, I have discovered several re-modifications have been performed on the joint-loan mortgage without any attempts to contact me. 
Wells Fargo deliberately proceeds to do so, continuously without my knowledge, my approval, or my required signatures. " Discovered '' is the term used, because upon attempting to contact the ex-wife about the joint-loan dealings and when I actually had her contact info, the only intelligible communication was a " XXXX you! '' or, " you should 've dealt with it during the divorce. '' Again, I have also discovered through credit checks online, that the joint-loan home mortgage is regularly not paid on time, or at all, consecutively between 1 and 13 months. I honestly ca n't say how foreclosure has not taken place already! 
I have requested info from Wells Fargo via Lawyer, Mail, or by Telephone numerous times. And my responses range from " none of your business, '' to all further request regarding the home mortgage will be ignored. '' I believe some seriously shady, and quite illegal dealings are going on between Wells Fargo. 
I had to " jump through hoops '' to receive a faxed copy of the Mortgage Loan re-modification from a local Wells Fargo Bank from Wells Fargo Mortgage. Even still, one of the Lawyers stated he could not find adequate records regarding the re-modification. Implying that it seemed fake. 
In addition to the recent Wells Fargo trouble we have seen/read in the media, regarding creating accounts without peoples knowledge, as best as I can elaborate on, I believe this coincides with a very, very similar illegal dealings and account mismanagement.

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 2015-09-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I applied to refinance my 2010 Chrysler Town and Country vehicle that is being financed by Wells Fargo Dealer Services. I applied for refinance and was approved with the same finance company Wells Fargo Dealer Services. The refinance loan is in process. I notified to let them know that the loan was in refinance process because it is with the same finance company. The payment came due but there is no reason to pay if the refinance will take care of the old loan from the same lender. I have never been late prior to applying for refinance and now they are harassing me to pay when it is going to get paid off in a few days. I do not want them to report 30 day late to credit bureaus when it is the same lender and considering I was never late on any payments prior to waiting for the refinance to complete.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
This is an very old debt that is still showing on my credit when the statue of limitations have past for over 7 years.

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 2022-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I made a balance transfer from XXXX XXXX to my Bank of America card on XXXX XXXX for XXXX. BOA show the transfer and a transaction # that went to XXXX XXXX ( XXXX XXXX transferred all cards to XXXX XXXX. My XXXX card has not been paid off and it's been over a month. I have called BOA to ask, they say it's already processed they can't help me further so call XXXX XXXX. XXXX  XXXX states they can't help call XXXX XXXX. XXXX XXXX says NOPE NO PAYMENT, refer back to XXXX XXXXXXXX. I have been calling, escalating things emails and many hours spent on this and NOBODY WILL HELP ME. So now both banks are carrying my debt. I don't make much money so {$880.00} to me is huge. Please help. I have emails that state nobody will help from BOA and XXXX XXXX XXXX XXXXXXXX states they don't have the payment that BOA shows. I have attached the email for XXXX ( whom says she can't help when I call ) and the one for XXXX that states no help, and the screen shot of my BOA with the transfer complete to XXXX XXXX. XXXX card ending in XXXX whom the transfer was for is now on my boa CARD ending in 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 monetary relief
Consumer complaint received 2018-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XX/XX/XXXX Case # XXXX ( Former case # XXXX I bought 4 tickets to XXXX XXXX ballet as a gift for some children. I thought I was ordering from the University of XXXX box office, but I got mixed up on my cell phone and by mistake I ordered them from XXXX XXXX XXXX XXXX, on XX/XX/XXXX ( XXXX reference number XXXX ). 
I complained about their service fee and was given a small discount of {$43.00}. 
The amount they charged me was {$460.00}. 
I thought that price seemed very high and called the XXXX XXXX XXXX box office and they said the tix should have cost {$170.00}. When I called back to cancel the order at XXXX XXXX XXXX XXXX, they absolutely refused to cancel the order. I called XXXX right away and was told that I couldnt file a claim unless XXXX XXXX XXXX XXXX didnt send me the tickets in time for the performance, to be held on XX/XX/XXXX. 
Fast forward to XX/XX/XXXX. The tickets from XXXX never did arrive and I had to purchase a new set of tickets from the XXXX XXXX XXXX box office for {$170.00}. 
All of this is detailed on my phone call to XXXX when I first made the claim. I think XXXX is an illegal sham. Please help me get my money back. Thank You! 

At this time I was informed by XXXX that it was too late to request a refund!

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 2022-06-18
Company: EQUIFAX, INC.
State: CA
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 i believe XXXX XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: EQUIFAX, INC.
State: CA
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:
Hello please help. 

I have 3 concerns. 

Dispute ; 1 XXXX is reporting my closing date with XXXX XXXX XXXX   card on XX/XX/XXXX when it is ( XX/XX/XXXX ) I have notified XXXX with a letter of proof from XXXX XXXX 5 times online and 3 times via letter and they refuse to correct my closing date. Also Equifax & XXXX in not reporting this ctedit line at all and needs to add it. 

Dispute2 All three credit bureaus is reporting 4 late charges XXXX, XXXX, XXXX, XX/XX/XXXX on my credit report where XXXX cleared the discrepancy abd provided me a letter which they have having all the late fees removed but no change has been updated. Ive made 4 attempta with a letter from the merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Without any written or e-mail notification my Care Credit account was closed. When I called Synchrony Bank to find out why they said it was for non-use. This is a line of credit specifically for medical expenses and I thought having an available line of credit to use in a medical emergency would provide some peace of mind. The account was opened just over a year ago. The bank advised me they could not reopen the account and to reapply. I reapplied and was declined. The closure of this account has caused my credit score to go down by 65 points.

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 2020-03-09
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
on XX/XX/XXXX, I called Mr Cooper/Nationstar 's toll free phone number, XXXX, to make my XXXX mortgage payment through an automated payment system. I have been for years, making my mortgage payment constructively received by the servicer before 30 days past due. Those calls were made at XXXX, XXXX, XXXX and XXXX pacific time.  Each of those four times the automated system said I would have to speak to a representative. Then I heard a recorded message telling me the offices were closed. 

I call Mr Cooper/Nationstar XX/XX/XXXX, Monday morning, to make my payment. Three times, the automated system transferred my call to a CSR and XXXX, then XXXX, then XXXX said they could not take my payment or give me information. 

Mr Cooper/ Nationstar claimed my litigation with XXXX , XXXX XXXX and Seterus as the reason they refused to take my XXXX payment or give me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was originally serviced by XXXX XXXX. It was recently purchased/transferred to Carrington Mortgage Services. When we attempted to make our first payment online, Carrington is charging us a " convenience fee '' of {$5.00} per payment. They purchased this mortgage and, as far as I understand, must abide by the original terms of the loan, including payment terms. Those terms include online payments without a fee. I consider this to be a violation of my loan terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Lockhart, Morris & Montgomery Inc.
State: MS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
XXXX XXXX of Lockhart, Morris, and Montgomery threatened me and said it was a crime. He threatened to go after my grown daughter who does not live with me and is in no way obligated for any of my debts. Before he knew who I was and before he told me who he was and what it was about, he told me all of my personal information. He had my social security number, address, date of birth ... all of my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have an issue with Experian removing a debt to XXXX XXXX XXXX  from my credit report due to identity theft in early 2019 then adding it back mid to late of 2019 with no notice or explanation of debt validation.

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 2020-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I am a Bank of America ( B of A ) customer. 

Last XX/XX/2020, my husband recently received a letter from the B of A dated XX/XX/2020 ( Ref. # XXXX ) expressing their condolences for my recent demise ( death ) stating how he should manage my financial accounts ( and indicating therewith the documents needed and steps to do so ). 

I am very much alive and no member of my family has ever made any report of my demise. 

Thinking that the letter is a result of a clerical error on the part of the B of A, my husband contacted the bank via the phone number they provided to report the incorrect information in an attempt to rectify the situation. However, the bank representative was unable and unwilling to help stating only that I should present myself in person to a local branch with proper identification to set the record straight. Further, the bank representative refused my husbands repeated request to find out from where or from whom the report of my demise originated, citing privacy concerns. This despite him insisting that such erroneous report has caused us a good deal of confusion and anxiety. 

On XXXX XXXX, I took time off from work went to a local B of A branch and presented myself in person along with evidence of my identity. However, a similar request that I made on the origin of the false report ( that has caused us much disturbance and inconvenience ) was also refused for reasons of privacy. This is despite having explained to the Bank that the false report and their obvious lapse in validating such information has caused us a great deal of trouble. Moreover, I explained that I am the aggrieved party and the one that has suffered the consequence of their lapse and questioned why their inclination is to protect the source of the false report instead of the affected customer ( myself ). At that instance, I requested the local branch to provide me in writing that such reason for their inability to disclose the origin ( identity of source ) of the false report of my demise and to guarantee that no such report will be entertained without proper investigation to avoid any future repeat of this distressing incident. The Bank, however, is unable to oblige to what I think is a fair and reasonable request. 

The situation I described above provides details to my complaint which, in sum, is a request for the BofA to disclose the source of the false report so that I may take the necessary action to prevent its recurrent ( especially in case of a malicious false report from any party who wishes me and my family harm or disturbance ).

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