BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-16
Company: HW Holding, Inc
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My spouse and I both have been writing to Hunter-Warfield for years disputing a debt that they have. My spouse who is totally XXXX was injured at an apartment complex. I wrote the collection agency and never got validation of the debt and advised them to cease and desist. Despite this, this agency continues to violate the Fair Debt Collection Practices Act and refuses to acknowledge any of my communications. They continue to call my cell phone numerous times of day via an automated attendant. I answer and no one is on the phone!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Nelnet, Inc.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Nelnet 's payments were not processing for a significant portion of the month of XXXX, and information incorrectly saying a payment was not made was reported to the US Dept of Education even though multiple attempts at making a payment were attempted and customer service was notified without a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$4100.00} ; XXXX XXXXXXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} ; MXXXX XXXXXXXX Balance XXXX {$9700.00}.

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 2022-06-29
Company: EQUIFAX, INC.
State: NJ
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
After reviewing my consumer report I noticed that two new accounts were reporting negatively on my report. I have no knowledge regarding any of these accounts. This negative reporting is problematic because now I'm unable to apply for any type of credit and what adds insult to injury I did not open these accounts. I have made all reporting agencies aware of this identity theft issue and they irresponsibly reported this harmful information. I have tried address this matter but nothing was resolved. 

In accordance with the Fair Credit Reporting Act XX/XX/XXXX( Account # XXXX ), XX/XX/XXXX XXXX XXXX ( Account # XXXX ) has violated my rights. 
15 U.S.C 1681 SECTION 602 A states I have a right to privacy. 
15 U.S.C. 1681 SECTION 604 A SECTION 2 also states a consumer reporting agency can not furnish any account without my written instructions.

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
Consumer complaint received 2022-09-21
Company: JPMORGAN CHASE & CO.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX of 2022. An authorized charge was placed on my Chase Freedom XXXX Credit Card for the amount of XXXX dollars. The charge was made online at XXXX ( XXXX XXXX XXXX XXXX # XXXX. Address XXXX XXXX XXXX XXXX XXXX CA XXXX. ) store, the transaction include household items and a can beverage cooler worth XXXX for delivery. The thief included his phone number and address! The person put this phone # on the record ( XXXX ) and used this address XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, CA XXXX for delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
1-The mortgage with XXXX XXXX in XXXX, California XXXX since XX/XX/XXXX has a 7.125 % interest. I tried Loan Mod maybe 2 or 3 times since XXXX. In XXXX, I requested via HAMP, but was denied first by ASC ( a wells fargo Servicer company ), and then by XXXX   XXXX/XXXX ( others sued XXXX in a class action - I was not involved or had knowledge of until after ). Wells Fargo informed me in early XXXX that they had taken over the mortgage, and began sending statements ( but not as ASC ). 

2-Wells Fargo/WF did not identify XXXX or reveal them in XXXX - they went by a CODE ( as investor ). I paid mortgage till XXXX, XXXX, and couldn't pay due to earlier loss of job, but wife ( not on title ) and I managed to pay till XXXX, XXXX. Since then : First, I requested a WF loan mod and stated loss of job as the reason. WF denied. 
Second, WF suggested XXXX-XXXX XXXX XXXX XXXX, who admitted me into their Prinicipal Reduction Program of upto {$100000.00}, then processed and declined by XXXX, XXXX. 
Third, WF re-entry accepted my loan mod application, and XXXX XXXX denied it in XXXX. Despite saying I could appeal in XXXX, They filed for foreclosure and are now demanding a reinstatement amount of {$35000.00} until XXXX XXXX, XXXX. ( The due amount jumping from about {$26000.00} to {$35000.00} due to attorney 's fees ). 

3-To reiterate, XXXX XXXX, XXXX WF home preservation said I could appeal. Instead they filed for foreclosure, and I started receiving notices ( maybe over 12 from XXXX company and XXXX XXXX on behalf of XXXX but with WF logo ) in my wife 's name and my name separately, plus certified signature mail notices ). WF Loan Mod Re-entry then suggested documents they needed, but kept denying the ones they themselves required and asked for other types. When they denied the 3rd time I said I would complain to a federal and county agency. Then to mollify me WF pushed my 'unhappiness ' to the 'executive ' level and a Ms. XXXX XXXX accepted the document other 's had denied, and requested more docs - I sent all docs on XX/XX/XXXX and they were all accepted on XX/XX/XXXX according to Ms. XXXX 

4-On XX/XX/XXXX Ms. XXXX XXXX, another 'executive ' from the recovery department researching my complaint said the reinstatement amount of {$35000.00} is due by XX/XX/XXXX, unless the WF underwriter ( unknown name ) decides on Loan Mod options. Wife as contributor and I could pay $ 3600+ on a monthly basis since our income situation had improved, but could not afford the {$26000.00} demanded in early XXXX, XXXX. However, WF in XXXX, XXXX said due to the foreclosure status as of XX/XX/XXXX or XXXX, XXXX ( different people gave me both dates ) I could no longer make a monthly payment.

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 2022-12-01
Company: Experian Information Solutions Inc.
State: IA
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:
I was taking advantage of due to malpractice while several laws were being broken under the XXXX BY YOUR company. This has caused me FINANCIAL INJURY, DEFEMATION OF CHARACTER, I CAN'T APPLY FOR JOBS AND I CAN'T APPLY for CREDIT I can't even get an SBA LOAN OR ANY THING LIKE THAT DUE TO THE PANDEMIC under this crisis you have hurt my ability to obtain credit. My child and I are suffering, and my family have made a mockery of us, and my community has looked down upon me. I am ashamed of the things I am going through, and it is a nightmare for me and my loved ones. I am beyond fed up and I am willing to take this issue to the furthest extent of the law if a remedy is not presented under the federal law and uniform commercial CODE.

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 2022-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I contacted Capital One back in XXXX as I noticed I had a 30-day late payment on my credit report from them from XX/XX/20. I spoke with a gentleman about my COVID situation and not working as many hours with the hopes of having this removed. They looked into this and said being that my account was in good standing before and after XX/XX/20 they would remove this 30-day late payment and put me back to 100 % on time payments. I was told this should take place within a couple of weeks with all the credit bureaus. It had been a couple of months, and nothing has changed. I called back in and spoke with someone about this situation and the gentleman said nothing can be done about this. I asked to speak with his manager and even after agreeing that he seen the notes, he told me this was something they did not offer. I asked if there was a reason and if he was familiar with the Cares Act and I was told they do not speak on that. I have to have something sent to me in writing on why this couldn't be done, and he said this also is something they don't do. Thet had already told me it was taken care of and now there is nothing that can be done. All I'm requesting is that you honor what you said you would do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX After several communication with the bureau regarding the inaccurate of those account, they claim to come back verified, which i never provided the mean and the documents using to verification which I had requested. Furthermore, i found out the inaccuracies were still present after they claim they fixed them. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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
Consumer complaint received 2022-04-25
Company: January Technologies, Inc
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX. I am a real person. I am not a credit repair team. I have been handling my responsibilities and Ive come across people that have made it harder for me by violating my federally protected rights. 

Ive been harassed, threatened and violated by this company about debt that i do not owe. They have communicated with me without my prior consent through emails, mail, and calls. They have annoyed me. 

I sent a letter to XXXX asking for : Validation of the debtthat is, actual accounting. 

Verification of their claim against you ; that is, a signed invoice.

A copy of the contract binding both parties ( you and them ), in a letter by Certified mail so that there is an independent witness to it having been delivered.

However, according to 15 U.S.C 1692e, 15 USC 1692d,15 USC 1692c, and 15 USC 1692B Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 

Not use any language or symbol on an envelope or in the contents of any communication effected by mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of any debt. 

not state that such consumer owes any debt not communicate with any such person more than once unless requested to do so by such person not communicate by post card And Also, According to 15 U.S.C section 602 A states i have the right to privacy.

As well as 15 U.S.C section 604 A Section 2, also states a consumer reporting agency can not furnish a account without my written consent.

This company has violated each and every one of my rights and i demand they pay monterey relief and remove the account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Carrington illegally threat late charge assessment immediately after servicing transfer. The loan was newly originated and subsequently sold and servicing transferred to Carrington. I had to actually stop a payment to original lender and make a new payment to Carrington. This type of bullying behavior was what the law was intended to prevent but Carrington does whatever it wants because there is no recourse for someone like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We received a letter from WellsFargo 12months after opening the account that we needed to resolve an error on the account. I contact the local office and they notified us we needed to come into the office to update my Daughters Social Security Number. We did this on XX/XX/XXXX. I received a second letter and I called the local office on XX/XX/XXXX questioning why I received a second letter. On XX/XX/XXXX the called me back to notify me they had contacted their back office and the issue was resolved. Now on XXXX with no additional notice or warning they closed her accounts and froze the money. I have called the corporate office and they have escalated the issue as high as possible and that they can not do anything at this time. My Daughters is on vacation and her debt card is her only access to money. I was told me they will respond in 10 days. I called the local office and they told me i did everything they felt I needed to do and are not sure why it is closed. They contacted the back office and they are now requiring additional documentation that is not available and will not except any other documentation. They want a social security card that is lost and will not except a signed w9. I am in the financial industry and w9 for social security correction is standard process. They told me with out this they can not do anything. the best they can do is follow up in 48hrs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00}.

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
Consumer complaint received 2022-08-22
Company: Nelnet, Inc.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
From XXXX no one has been able to provide two things that I need for the validity of repayment and what I am owed back since this has been active for over 20 years, and many items have been lost or poorly managed. 
I need a breakdown of ALL my INTEREST and PAYMENTS made from XXXX ( lost documents ) I can not be treated fairly in this process regarding XXXX XXXX changes if all of these companies keep denying me the information I request. 
This, too, will be sent to the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the FCRA the account ( s ) below have violated my rights XXXX XXXX - Account XXXX XXXX XXXX  - Account XXXX  Fingerhut - Account XXXX XXXX XXXX XXXX XXXX Account XXXX 15 USC 1681 section602 A, states I have a right to privacy 15 USC 1681 section604 A, section 2 states a consumer reporting agency can not furnish an account without my written instruction 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item ( s ) information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any reporting agency if the person knows of has reasonable cause to believe the information is inaccurate 15 USC 1681 ( i ) section ( 2-a ), A procedure in case of disputed accuracy - ( 5 ) ( a ) ) treatment of inaccurate or unverifiable information ; if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate OR incomplete OR can not be verified the reporting agency shall ( i ) promptly delete that item of information from the file of the consumer OR modify that item of information, as appropriate, based on results of the reinvestigation and ( ii ) notify the furnisher of that information has been modified or deleted from the file of the consumer.

15 USC 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) ( e ) after receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( 1 ) conduct an investigation with respect to the disputed information, ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of period under section 1681 ( a ) ( 1 ) of this title within a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section and ; ( iv ) if the investigation finds that the information was reported inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

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
Consumer complaint received 2022-06-26
Company: EQUIFAX, INC.
State: TX
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, has violated my rights. 
XXXX XXXX ACCOUNT- XXXX XXXX XXXX XXXX XXXX ACCOUNT-XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation