BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-30
Company: National Credit Systems,Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/30, I attempted to resolve a debt, {$7400.00}, with National Credit System. When I called, they stated that the calls were recorded, quite clearly. I spoke to a gentleman who said his name was XXXX XXXX. He stated that my debt was {$7400.00}. I then asked if we could compromise for an amount of {$6500.00} and make payments. He refused. He said it would have to be a lump sum payment. I told him that we do not have that type of money. This is a refusal. 
He then offered {$4500.00} if it were a lump sum. I again, because he is so special, told him that we do not have that kind of money laying around. 
Then Mr. XXXX stated that even if I make payments to them that it does not get reported to the credit beaureaus at all unless its paid in full. Then Mr. XXXX stated that my " Rental Bureau '' report would not show anything of payments unless its paid in full. This is false statements and economic terrorism. 
XXXX  shows payment history on their site for this particular debt, as does the other bureaus- XXXX  , XXXX  . This company shows no payments being made for each and every single month since the debt was placed with this company. Economic destruction threats. Statements made by Mr. XXXX. 
This company is allowing their employees to coerce and make false and misleading statements to consumers. According to their own intake call messages, all calls are recorded. I attempted to negotiate in good faith. I explained that I could file bankruptcy instead of making an offer. He was not swayed and refused to work with me in any tangible way. 
The complaint against this company is that the person, I believe used a false name as it was, made false statements and representations in a bad faith attempt at collecting a debt. 
I made a {$20.00} payment to see if I even get a receipt to prove payment. Still have not gotten a receipt, at all, to which Mr. XXXX stated would be received. 

Then this company first shows a {$11.00} fee, a " convenience '' fee, to pay by debit card. Then when you run the card, it charges you {$4.00}. Why am I being charged for running a card even? 

In closing, this company and its representatives are fraudulent in their statements and can not be trusted to follow the laws as outlined.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Hello, We are working on the short sale of my property. We received an approval letter on XXXX/XXXX/2016 from Wells Fargo but that buyer we had walked. We have another solid buyer with the same exact terms as our previous buyer. The only thing that is changing is the buyer 's name. This new buyer is ready to close but we need another approval issued again from Wells Fargo. This short sale lender has told us we have to go through the process again but my property is now in foreclosure with a sale date of XXXX/XXXX/2016.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Mortgage Connect LP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
We closed our refinance with XXXX XXXX  back in XX/XX/2021. During the loan closing they charged us {$1300.00} tax penalty which we had to pay as part of our closing cost. We submitted to XXXX XXXX County tax for refund in XX/XX/2021 on the tax penalty and received a refund in notice on XX/XX/2021 which was sent to Mortgage Connect the escrow company that closed our loan. When I reached out to Mortgage Connect for the refund of the amount of {$1300.00} they answered my emails and calls after one month saying they have sent the money back to XXXX as per their request. Until today I have not heard back from Mortgage Connect or any one from XXXX regarding my refund of {$1300.00}. They literally are passing the bucket and making me run around for my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: PA
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 have owned my home since 2014 and the mortgage has been paid in full. XXXX, XXXX and Equifax is still reporting on my credit report a balance from of XXXX. XXXX, XXXX and Equifax is reporting a balance of XXXX from XXXX. XXXX, XXXX and Equifax is reporting a balance of XXXX from XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: EQUIFAX, INC.
State: PA
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 XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX TX, last XXXX of account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section : It also says 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 an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: U.S. BANCORP
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I got a reward card from XXXX XXXX XXXX for {$100.00}, however the expiration date is too short which didnt give me enough time to use it. Gift card 2009 act clearly says the expiration date should be longer than what this card gave me.

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 2020-04-01
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received Solicitation either US Mail or Email for personal loan as I was having financial distress and needed cash fast. 

My original loan was made on XXXX XXXX in the amount of {$3700.00}. As of today, XX/XX/2020, I have paid {$2800.00} into this loan. 

When I asked NetCredit what my pay off balance was as of today, XX/XX/2020, they told me my balance is {$5300.00}. 

The interest accrues daily. How is this legal and NOT a predatory loan? 

I am concerned that I am unable to pay back XXXX in the near future and will continue to fall into deeper debt. 

Please help me. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started disputing this company in XXXX of XXXX into XXXX and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that the alleged debt belongs to me. This is the 4th time this debt was sold after proving that this alleged debt isnt mine due to the companys insufficient proof and a copy of a printout bill isnt proof this is affecting my ability to get a new home. I don't know why I'm being treated like this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Associated Credit Services, Inc.
State: MA
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:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: LendingPoint Holdings LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After my identity became compromised unauthorized accounts haunted my credit file. Not one of these accounts I authorized and got in business with, This account " Lending point LLC ", Im demanding it be blocked and immediately removed from my file. There's no agreement with this company, Lending Point LLC, in which you and/ or your companies can produce any written binding physical contract or / any other instrument of me agreeing to any business with the above companies. Therefore, please remove account immediately. 1 ) Lending Point LLC. 

Attached is the FTC provided various times to Lending Point. They are not willing to investigate the issue and deny with no reason. They continue to refer me to XXXX XXXX XXXX, a company they sold the loan off to before the end of this investigation and XXXX XXXX has already removed this fraud loan off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This company, XXXX XXXX, is inaccurately reporting late payments to my account, during a Covid 19 forbearance plan. I have contact the company multiple times and they will not update the information. 

They have been contacted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and their claims resolution company refuses to update the status of my account. 

I have also disputed this information with TransUnion and XXXX, who will not update the status either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have these accouts that are not mine and i want them to be removed. 

1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE BANK USA Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX/XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/20, Comenity Bank made an unauthorized payment of {$620.00} on my account. This made my account turn negative and take my entire paycheck. I called and stated I never authorized the payment and explained our current situation due to Covid 19 and they hung up the phone on me, and have not responded to my emails. I did NOT authorize this large payment and they would not provide proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Not only do I not know what debt they are referring to, or what it is for, they have violated my rights as a consumer. Pursuant to the FDCPA, specifically 15 USC 1692g, it states : Within 5 days after the initial communication with a consumer in connection with a collection of any debt, a debt collector SHALL, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer written notice containing the - ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty_day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumers request with the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. This company has not provided 3-5 and therefore, is in violation of the law. Not only did they not include it on the initial communication, they failed to send it within the 5 days. This is a clear violation of the law and is not equitable or fair to me, the consumer, in which they are claiming the deb is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Rubin & Rothman, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XX/XX/2021 a notice I was being sued was left on a table that wasn't my abode for anyone to see violating my right to privacy. The person who left the paper came before XXXX, a violation of the FDCPA. I do not agree to the validity of the debt and the notice had a multitude of violations. I responded within the 30 days to their " Lawsuit '' and still haven't heard a response back. Recently, the alleged debt collector sent another letter attempting to collect the alleged debt ignoring my previous validation notice and affidavit of truth. The party attempting to collect this alleged debt is a third party " law firm '' and pursuant to 15 USC 1692e ( 3 ) one can not represent as an attorney and collect a debt at the same time without being a debt collector. Lastly, I do not want to speak to this third party as they were not involved in the original transaction and I do not consent to this third party being in my affairs.

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 2015-10-07
Company: Comerica
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
XXXX XXXX is allowing unatherised transiactoins on my card and when a call them thay do not speak English and are very very very rude and make me wate several days to return my money. what are they doing with my money and why are they aloud to just take my ssd money and keep it for 3 to 10 days befor returning it?. need help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage loan from welsfargo and did deferment for 16months due to covid. I took my loan out of deferment this month XX/XX/XXXX and was told I have an active account for XXXX. 

When I started deferment my principal balance was XXXX. I was told that when I started my deferment it would put a pause on my payments and I would not owe any additional money for pausing the payments. They did say I may have to make a balloon payment for my missed payments but that would apply to my principal loan amount of XXXX. I took myself out of deferment XX/XX/XXXX and now my account says I owe XXXX. 

I have attached a screenshot of my statement from XX/XX/XXXX showing that my loan principal amount was XXXX and a screen shot of my wells Fargo mortgage account summary to show the increase put on my principal balance in XX/XX/XXXX. Also I want to let you know my mortgage amount does not include property taxes or home owners insurance as I pay that seperatly and am up to date on payments. 

I called to inquire why my principal balance went up when it should have not changed. From what I was told when I started the deferment, welsfargo should have just paused the payments and then I should have just picked up where I left off after pausing. As far as missed payments go I was suppose to be able to put them at the end of my loan. It appears welsfargo put the missed payments at the end of my loan and added them to my balance. 

When I called on XX/XX/XXXX I got transferred 4 times and then hung up on. No one is able to give me a straight answer and they are saying I have to pay XXXX additionally to the amount I owed before deferment.

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 2020-04-02
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have requested several times to REMOVE, REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the block on my file please remove it at once!! My full name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB XX/XX/XXXX and SS 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 2020-04-02
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have requested several times to REMOVE, REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the block on my file please remove it at once!! My full name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB XX/XX/XXXX and SS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America is reporting Suspected Fraud Activity on XXXX and this is not accurate. I would like to dispute this and have it removed from XXXX. This was reported on XXXX/XXXX/2013 with a charge off amount of {$98.00} which is not accurate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Not only do I not know what debt they are referring to, or what it is for, they have violated my rights as a consumer. Pursuant to the FDCPA, specifically 15 USC 1692g, it states : Within 5 days after the initial communication with a consumer in connection with a collection of any debt, a debt collector SHALL, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer written notice containing the - ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty_day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumers request with the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. This company has not provided 3-5 and therefore, is in violation of the law. Not only did they not include it on the initial communication, they failed to send it within the 5 days. This is a clear violation of the law and is not equitable or fair to me, the consumer, in which they are claiming the deb is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX  Account numbers : XXXX XXXX  XXXX  - XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  XXXX  - Acct # XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX have violated my rights. 

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 section 604A, 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 2021-08-30
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2013 I notified the three bureau 's of fraudulent accounts reporting on my credit report that continue to report despite the fact I followed the appropriate steps to prove the accounts do not belong to me. Please see accounts below that does not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have sent a follow up 2nd Request for these accounts to be removed because I have not received responses from some of the bureaus in regards to this matter.

Company response to consumer: Closed with explanation