BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-15
Company: Trident Asset Management, L.L.C.
State: TX
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:
Upon review of my credit report, I have noticed a {$220.00} charge from this company. The report states that it is a utility bill and the original debtor is XXXX. XXXX has been my current provider for two years. I have received no written/verbal notification of this debt. Furthermore, I have never had to pay a deposit to attain services. 
I have contacted XXXX two times regarding the account. The representative from the billing could not find the account on the XXXX databases, despite having my social security number. He verbalized the account number granted by me from Trident was invalid. 
During my last contact, the Supervisor recommended to report the debt as fraudulent. 
Post review of my bank statements, the original account number provided by Trident is not my XXXX account number and is too short. 
I have contacted the company numerous times and their method is to attain information from me, such as my address and social security number for validation. This is a fraudulent account and it negatively affecting my credit. Furthermore, I am very concerned with the number of review on the internet that mirror my complaint. 
Please note all correspondences regarding this account will be forwarded to the XXXX Office of Attorney General and the office of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17
Company: The CMI Group, Inc.
State: TX
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:
ON XXXX CREDIT MANAGEMENT CALLED ME FROM XXXX TO MY PHONE NUMBER XXXX. IT TOOK SEVERAL SECONDS FOR THEIR AGENT TO COME ONLINE. I ASKED FOR THEIR NAME AND AFTER THEY GAVE ME THEIR NAME, THEY HUNG UP ON ME AFTER I ASKED THEM WHAT THEIR MAILING ADDRESS WAS. SO I CALLED THEM BACK AND SPOKE TO XXXX. I TOLD HER WHAT HAPPENED AND ASKED TO SPEAK TO THEIR COMPLIANCE DEPT. SHE TOLD ME THEY DON'T HAVE A COMPLIANCE DEPT. I REQUESTED TO BE PUT ON THEIR DNC LIST. THEN, THEY CALLED ME AGAIN TO MY PHONE NUMBER XXXX FROM THE SAME NUMBER OF XXXX AND THEY HUNG UP ON ME AFTER I SAID HELLO. WELL, I CALLED THEM BACK AND XXXX ANSWERED THE PHONE AGAIN. I TOLD HER I WAS CALLED AGAIN, SHE PUT ME ON HOLD AND CAME BACK ONLINE AND TOLD ME TO CALL XXXX. AFTER ASKING SEVERAL TIMES, SHE CONFIRMED TO ME THAT THIS WAS THEIR COMPLIANCE DEPARTMENT. I ASKED HER TO PUT MY NUMBER ON THEIR DNC LIST AND SHE SAID SHE WOULD. I HAD A FEELING SHE WAS NOT PAYING ATTENTION, SO I ASKED HER TO MAKE SURE SHE IS ALSO PUTTING THIS NUMBER ON THEIR TOO. THEN SHE NOTICED THAT SHE HAD TO PUT MY OTHER NUMBER ON THEIR DNC LIST AGAIN. I TOLD HER YOU GUYS CALLED ME AND HUNG UP ON ME WHEN YOU HEARD MY VOICE AGAIN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
WELLS FARGO SHOWED THEY PAYMENT AS BEING LATE WHEN INFACT IT WAS NOT LATE. ALL PAYMENTS WERE MADE ON TIME. THE DATES OF WHICH THEY ARE SHOW AS LATE PAYMENTS ON MY CREDIT REPORT ARE : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/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 2022-09-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.

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 2015-06-21
Company: Rocket Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Application, originator, mortgage broker

Complaint:
Reverse mortgage tv advertising offers a free kit that explains options. Free, just call this number. I called and it was Quicken Loans. The person called me back from a non-toll-free number and continued to ask more and more probing questions " need to know this before I can send you the kit '' that included request for next of kin contact and for my social security number. This is verging on criminal. I never did get the promised " free kit '' and now someone I do n't know has a lot of information about my credit and the value of my current residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I currently have joint checking and savings bank account with Bank of America ( BofA ). My husband and I have separated and I put in a request to have his name removed from the account. Noted that I am living outside of the XXXX so I had to put in this request via mail. In order to process this BofA requires documentation that must be signed by both myself and my husband and also notarized. Note that I had to go to the XXXX XXXX to have these documents notarized at a cost of {$300.00} USD. I competed the documentation in full and sent it to BofA via XXXX  in XX/XX/2020. I have a signed receipt from XXXX  showing that BofA received my documents in their XXXX office on XX/XX/2020. It has been 5 months now and my husband 's name has still not been removed from the account. I have called BofA customer service 6 times over the last 5 months and raised multiple complaints for which I received complaint numbers. The most recent complaint numbers are XXXX & XXXX. They told me the latest complaints would be handled in 3 weeks. Tt has been over a month and they still have not resolved the complaints. When I called today I was told that 'maybe ' the paperwork was lost and that I should resubmit it. But BofA was unwilling to cover the {$300.00} cost for me to have new documents notarized again. Given the fact that I have written proof from XXXX  showing that they have received my documents, I don't not feel that it is ethical to ask me to cover this cost. Especially when it is clearly mishandling by BofA. On my last call, I was told that I can submit new documents or 'wait longer '. She was not able to give me a proper status update on my complaint numbers and she was not able to tell ; me the results of the investigation on my complaint. I really need some help to pressure BofA to do the right thing here. I have followed their policies but they refuse to handle my request properly. This is awful customer service.

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 2022-09-17
Company: WELLS FARGO & COMPANY
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/2020. I received paperwork in my door from XXXX XXXX XXXX with the original creditor Wells Fargo. That I have been sued for a total of {$6400.00}. This debt does not reflect on my personal credit report would like to resolve this issue for the best interest for both parties. I contacted wells Fargo during my time of hardship they replied with these is no more extended relief for hardship.

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 2016-06-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
i disputed item is showing as a tax lien judgement and has been paid for years and shouldve been removed

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 2020-11-11
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I needed {$5000.00} in a hurry and I took a loan with Net Credit processed through XXXX XXXX. I paid {$2500.00} and went to pay the loan and they told me that I still owed {$4700.00}. The interest rate charged was 65 %. Kentucky dept. of financial institutions suggested that I contact you to make you aware of this fee. It appears that XXXX has the appropriate disclosures and does present the terms of the loan in their Truth and Lending Disclosure, including the interest rate. While I signed the attached contract, I was planning on paying it off in XXXX, then the pandemic hit and was unable to pay it because of financial restrictions of The Pandemic. I want to pay this loan off asap. Please advise XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: Gatestone & Co. International Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I set up payment plan and yet they keep calling everyday. They had told me the calls would stop as long as I make reoccurring payments. So I called them back to find out why the are still calling me and turns out my payments is going to them and not the company I owe. I had to talk to XXXX different representatives and XXXX had told me XXXX so I asked to speak with the manager who proceeded to call me uneducated because they lied and did not explain very well to me where my payments are gong to. They were all very rude and unprofessional. The first guy I spoke with demanded my card information. The " manager '' literally had me crying with how rude he was. And all XXXX of them would talk over me and then yell at me if I tried talk. I had to call my bank and tell them to unauthorized the transactions since they would not do it. Ummm is that even legal?!?!?!. I do not trust them whatsoever. And to make matter worst when I called XXXX they told me they should not be taking that much money for themselves. Horrible company, how are they even in business?!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-02
Company: UNITED SECURITY FINANCIAL
State: UT
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and were in the middle of a short sale when we received notice that our home was in auction, soon after we received another letter stating that we had to move out due to out home being sold. 
Horribly upset since the bank would not except ANY offers we had and a short sale VS forclosure is a little better but WHAT DO YA DO! 
No choice we moved. 
A while Later went to get a car only to find out that the forclosure is still showing open? 
= higher intrest. 
I have spoke to United security Financial several times who referred me XXXX, LLOOONNGGG story short ending up full circle every time! Right back to United Security, EVERY TIME! 
both my husband an I on different occasions have stopped by their rediclouse, god like, draped in gold, silver, crystals and $ $ $ facility, they said they would get it taken care of ... 
long while later went in to get another loan only to find out it is STILL showing open. 
Received that loan too but yet again keep getting a higher intrest rates.

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 explanation
Consumer complaint received 2022-09-17
Company: Rodenburg LLP
State: SD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX XXXX XXXX is sending accounts there were included in bankruptcy to collection agencies to try to collect the debt that was XXXX  in bankruptcy. Rodenburg Law Firm is trying to collect on their behalf.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
all my credit information is missing from Experian report. The others are fine. XX/XX/XXXX all was fine and even receive an monthly email that my credit score was XXXX. That week I was working with a bank on a mortgage and they tried to pull my credit. They told me there was a problem with experian. So i went online to my member page and seen all my information was missing. no accounts and no score. I called and they said they will look into it. mean while i locked all 3 credit bureaus. 5 days later nothing and i called back because i started getting spuff calls from ss office and police dept trying to get information out of me. I hung up and called that same police center and no such person or badge number. I called Experian back and no note in system. i was transferred to fraud dept. and was on the phone for 1 hour before i found someone that would help me. She told me that there was 2 people with same ss # and my stuff went to him. she even game me the name and sad she was going to send to data dept to fix. It would take at most 5 business days. at this point i locked all my accounts. 7 days later no call and information still missing. i called back and this time talked to another agent who read all her notes and said that Experian had split the data and its in another account.???. this would take XXXX business days ... .. 7 days later nothing and just called back again. a different person said need to rend to data dept to fix and they need another 5 days. mean while i lost that house i wanted and the interest rate besides not knowing what happened and why and who has my information out there.. very concerned!

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 2016-11-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had a negative mark on my credit and wells fargo wont take it off. My car was un a total loss and my insurance paid. And it shows that i still owe XXXX dollars. It has made my life impossible the past 3 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 2016-04-22
Company: World Omni Financial Corp.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
They put that I was late and I was never late, the car loan was refinanced and the other bank pay in full and on time. 
Incorrect Item : Creditor : WORLD OMNI FINANCIAL Account : XXXX Reason : Never late. Please correct the incorrect reporting on XX/XX/2015

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-03
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
MCM Midland Credit Management Inc. has purchased an old debt that is ten years old and trying to say they are collecting the debt. The FTC has already removed this debt from my credit history and I do not know how they got this information. I called them and told them this has been removed because of the ten year guideline and to not call me any more. They stated that this tactic will not work. I told them you will be hearing from the FTC. Please see this company understands that this debt has been removed and my credit report also states from beneficial paid as agreed. Thanks,,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11
Company: EQUIFAX, INC.
State: OK
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:
My account was said to be in forbearance during the 2020 Covid-19 Pandemic. 2 months later I checked my account XX/XX/2020 and it said it was past due. I immediately made a payment for the 2 months and then setup on auto pay. I am requesting this to be removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
My account was said to be in forbearance during the 2020 Covid-19 Pandemic. 2 months later I checked my account XX/XX/2020 and it said it was past due. I immediately made a payment for the 2 months and then setup on auto pay. I am requesting this to be removed from my report immediately.

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 2022-09-17
Company: Experian Information Solutions Inc.
State: AZ
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:
I am a victim of identity thief. Ive submited a FTC report and a CFPB report over 30days ago. The law says FCRA 605B ( 15 U.S.C. 1681cXXXX ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency Its been past XXXX business days clearly and conspicuously. I demand you block the folowing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date XX/XX/2021 XXXX XXXX Inquiry date XX/XX/2021 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 non-monetary relief
Consumer complaint received 2022-09-17
Company: Radius Global Solutions LLC
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After not even 3 months of me having XXXX I was being harassed on my phone almost every single day when I was working with my health insurance and scrambling together the things that they needed so they could pay for my XXXX. 
I blocked the phone number and started receiving mail every single day and eventually just recently after my health insurance covered all my hospital bills I started receiving texts every 1-3 days.

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 2015-07-29
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
American Express states that I have an account with them that was opened in XX/XX/XXXX. I have no such account. They also state that the account has not been paid and was Charged Off. All XXXX credit reporting agencies have this account as a Charge Off and only have five months of activity in XX/XX/XXXX. This account is not mine and has been disputed with all XXXX credit reporting agencies and American Express. Nothing has been done about it. I have asked for proof and they have not provided anything to support this account. I am all prepared to file legal action. The amount that they state is owed is less than an attorney will cost. I am filing this complaint because the account is not mine. I have told American Express that if they want me to pay the account than they need to send me an active credit card and put this account in good standings. They have ignored any and all communications that I have had with them over the last several years. Please Help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-25
Company: EQUIFAX, INC.
State: OH
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:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation