BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-05
Company: Army and Air Force Exchange Service
State: LA
Product: Credit card
Issue: Delinquent account

Complaint:
I AM EMAILING YOU IN HOPE OF BEING ABLE TO RESOLVE AN ISSUE I AM HAVING ON MY CREDIT REOPORT. I AM IN THE PROCESS OF TRYING TO BUY A HOUSE AFTER MY XXXX FROM THE XXXX. I AM XXXX AND HAVE BEEN LIVING WITH MY INLAWS FOR THE PAST 6 MONTHS WITH MY FAMILY SO THAT I CAN REPAIR MY CREDIT AND PAY OFF AND GET CURRENT ON ALL OUR BILLS AND CREDIT ISSUES. I WAS ALMOST DONE WITH THE CLOSING OF A HOUSE WE REALLY WANTED TO SPEND THE REST OF OUR LIVES IN AND THE V.A. APPROVED OUR LOAN EARLY ON IN THE PROCESS. WHEN AT THE BEGINING OF THIS WEEK THE UNDERWRITER PULLED MY CREDIT A 90 DAY LATE PAYMENT SHOWED UP ON OUR CREDIT REPORT THAT HAD FELL OF THE REPORT AND THE UNDERWRITER DENIED US FROM GETTING THE HOUSE. DUE TO THIS WE ARE LOOKING AT LOOSING THE HOUSE WE ALL FELL IN LOVE WITH. I UNDERSTAND THAT I DID HAVE A ISSUE WITH THE PAYMENTS DURING THE TIME I WAS IN TRANSITION FROM THE XXXX LIFE WAITING TO GET THE XXXX PAYMENTS STARTED FROM THE V.A. AND XXXX. I WISH THAT WOULD NOT HAVE HAPPENED AND I DO UNDERSTAND IT WAS MY FAULT FOR THE LATE PAYMENTS I AM IN NO WAY TRYING TO DISPUTE THAT. I AM WRITING YOU TO SEE IF YOU WOULD PLEASE REMOVE THE 90 DAY LATE ON MY CREDIT REPORT THAT HAS POSTED AGAIN ON MY CREDIT REPORT. IF YOU WOULD PLEASE LOOK AT MY WIFES ACCOUNT AND MINE YOU WILL SEE THAT MY WIFES ACCOUNT IS COMPLETLY PAID OF HER NAME IS XXXX XXXX XXXX. I PAID {$1400.00} AS A LUMP SUM PAYMENT TO GET MY ACCOOUNT DOWN TO {$110.00} AS ADVISED BY MY FINANCE COMPANY. HE WAS TELLING ME THAT THE CREDITOR CAN TAKE THE 90 DAY LATE PAYMENT OFF OR ADJUST WHAT IS POSTED ON MY CREDIT REPORT. APARENTLY WHEN MY FINANCE AGENT PULLED MY CREDIT THIS 90 DAY LATE WAS NOT ON MY REPORT AND NOW WHEN THE UNDERWRITER PULLED MY CREDIT IT WAS ON THERE AND STOPPED MY FAMILY AND I FROM BUYING THE HOUSE. I HAVE BEEN WORKING REALLY HARD AND PAYING A LOT OF MONEY TO BE ABLE TO MAKE OUR DREAMS COME TRUE BY BUYING A HOUSE OF OUR OWN AND FINALLY SETTELING DOWN AND RAISING OUR XXXX YEAR OLD DAUGHTER. PLEASE I KNOW YOU DO NOT HAVE TO HELP ME AND FIX THE ISSUE WITH THE 90 DAY LATE PAYMENT BUT I AM PRAYING THAT YOU WILL PLEASE SHOW ME SOME COMPATION AND FIX THIS ISSUE WITH MY CREDIT REPORT SO THAT MY FAMILY AND I CAN FINISH THE CLOSING ON THIS HOUSE OR IF WE MISSED THIS HOUSE BE ABLE TO GET THE NEXT XXXX SO WE CAN MOVE OUT ON OUR OWN. THANK YOU FOR ANYTHING AND EVERYTHING YOU CAN DO TO HELP RESOLVE THIS MATTER AND I THANK YOU FOR YOUR TIME AND SERVICE XXXX. CAN YOU PLEASE ALSO GIVE ME THE TIME OF MONTH YOU POST ON CREDIT REPORTS? XXXX BLESS AND THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
thjs is my story i will try to make this as short as posibleI brought my home in XX/XX/XXXX or XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX my financier was mortgage lenders network after maybe a year my lone got sold to another lender then at least two or more lender brought the lone, each time the lone got sold interest rate went up and taxes also when my lone got brought by american services company after six month i attempted to try and get my lone change to a fixed lone i was successful at 8.4 % doing this time everybody was trying to get there home modified so i went on line and attempted to contact XXXX and all of a sudden calls started coming in, a law firm called residents protection law center connected with and told me that they can help so went for itstarted submitting papers i went into active review with american servicing company for XXXX years til residents protection center out of California by the way went M I A and my lender told me that i was in foreclose and i need to leave a s a p i tried short sale that didnt work so i went in a deed in lue and gave up the keys for cash. XXXX years later now i see on my credit report a death of XXXX pluss .american servicing company says there is no death and now the say there is no records of that lone i faxed proff the wells fargo and wating on a responceim sorry i tried to make it short ps i am sdding documents also to you for help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions 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 information incorrect

Complaint:
I HAVE BEEN TRYING TO FIX MY CREDIT WITH THE CREDIT BUREAUS FOR 4 MONTHS, I HAVE SENT DISPUTES TO EACH OF THEM TO UPDATE, CORRECT OR DELETE THE ACCOUNTS THAT ARE BEING INCORRECTLY REPORTED AND I HAVE NEVER RECEIVED ANY RESPONSE FROM THEM.

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 2015-03-26
Company: WELLS FARGO & COMPANY
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My bankruptcy ended on XXXX/XXXX/2015 and I received verification from my lawyer that those that I had XXXX loans with have been notified. Out of XXXX lenders, Wells Fargo was the only XXXX that I had not received bills from since then. 

I received a letter today ( XXXX/XXXX/2015 ) stating that my loan has been defaulted and I need to pay the full amount. I was also given the option to try and work out a payment schedule but my only option to do that is by phone. Unfortunately I ca n't afford to make that call or to have a phone. 

I hope through here I can facilitate some type of electronic communication to get this resolved. I also prefer electronic communication so I have the documentation for my records in case I need to go to court regarding this issue as I will need to represent myself and need the documentation on my end of my efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: WELLS FARGO & COMPANY
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am a XXXX, I sent Wells Fargo a financial instrument for {$26000.00} dollars registered mail through the XXXX. also insured, return receipt. It is legal tender for my debt and was told that they will not honor it and will not return it with an explanation telling whats wrong with it which is against the law. I 've done my administrative process to try and resolve the issue with no result. I would like to file a complaint on this very urgent matter.

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 2022-10-17
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, On XX/XX/2022, Monday morning I went in to pay my New Rez Mortgage # XXXX. I was charged a late fee. Since XX/XX/2022 fell on a Saturday, I should have been afforded the allowance to pay the payment on the next business day without penalty, that being XX/XX/2022. I have never had this issue previously, with this mortgage nor any other mortgage I have ever had. I fail to understand how New Rez has the ability to accept or transact payments on a Sunday as the Fed and the banks are close. How much does New Rez earn from this slight of hand

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax has furnished a credit profile without my verbal or written consent! I have attempted to have this issue resolved several times over the last year and they either have no response or these inaccuracies come back verified which is impossible. I demand that they cease and desist all negative reporting as it is a violation of my consumer rights as well as my right to privacy. 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. They can not produce a notarized Affidavit or contract signed by me or their senior executive where I gave them permission to furnish or post these negative items on a report. This is IDENTITY THEFT. The Privacy of Consumer Financial Information regulations that implement the Gramm-Leach-Bliley Act ( GLBA ) restricts this type of information sharing because it meets the definition of nonpublic personal information under the Privacy regulations. Therefore, sharing it with nonaffiliated third parties may be subject to an opt-out notice under the privacy regulations. Again this is a violation of my rights to privacy. They also are allowing companies to pull this report without my verbal or written consent. Another VIOLATION Except as provided in section 1681g ( a ) ( 5 ) of this Title, a consumer reporting agency shall NOT furnish to ANY person a record of inquiries in connection with a credit or insurance transaction that is NOT initiated by a consumer ( ME ) At no point did I consent to these companies pulling a report. Please have the following information deleted and removed from my credit file within ( 4 ) business days and send me an updated copy of my credit report reflecting these changes. 

XXXX. XXXX XXXX XXXX - {$270.00} ( PLEASE DELETE ) XXXX XXXX XXXX XXXXXXXX ( PLEASE DELETE ) XXXX XXXX XXXXXXXX - {$88.00} ( PLEASE DELETE ) XXXX XXXX XXXXXXXX - {$420.00} ( PLEASE DELETE ) INQUIRIES XXXX XXXX XXXX XX/XX/XXXX ( PLEASE DELETE ) XXXX XXXX XXXX XXXXXX/XX/XXXX ( PLEASE DELETE ) XXXX XXXXXXXX XX/XX/XXXX ( PLEASE DELETE ) XXXX XXXX ( PLEASE DELETE ) XXXX XXXX XXXX XX/XX/XXXX ( PLEASE DELETE ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( PLEASE DELETE ) Thank you so much for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
WELLS FARGO PROPERTY LOSS DEPARTMENT IS ILLEGALLY HOLDING FUNDS THAT DO NOT HAVE ANYTHING TO DO WITH PAYING MY CONTACTOR. THEY LOST THE CHECK FUNDS SENT bY MY INSURANCE COMPANY FOR {$2700.00} XX/XX/XXXX. MY AGREEMENT WITH THE CONTRACTOR IS THE INSURANCE COMPANY PAY THE {$2700.00} AND I PAY THEM THE REMAINDER ( {$1900.00} ) OUT OF POCKET. WELLS FARGO PROPERTY LOSS RECEIVED MY RECOVERABLE DEPRRECIATION CHECK FOR {$5200.00} THAT WAS SENT TO ME. NO CONTACTOR IS OWED FROM THIS AMOUNT. INSTEAD OF CORRECTING THEIR BLUNDER AND HAVING THE INS.CO. REISSUE THE {$2700.00} CHECK THEY ARE TRYING TO ISSUE THE RECOVERABLE DEPREC. CHECK TO ME AND MY CONTRACTOR. THIS IS ILLEGAL. THEY ARE TRYING TO CHANGE/USE FUNDS THAT HAVE NOTHING TO DO WITH THE CONTACTOR AS THOUGH ITS ALL THE SAME. THE CONTRACTOR TOTAL BILL IS FOR $ XXXX-XXXX ins co = XXXX that i owe out of pocket and agreement between me and the contractor at installation.this action is fraudulent illegal. wells fargo once again has over stepped their authority making rules robbing consumers they don give a XXXX about. they have place money in a restricted account that was not intended for that purpose. the insurance ADJUSTER and wells fargo employees ME told the recoverable depreciation was something i had to get form the ins co. by sending a certificate of completion that was done. they told me the mortgage com. didnt have anything to do with the rec/depri. but now they are trying to steal these funds from me. They have refused to let me speak with management in this department stating no one handles my claim its randomly processed with no one person. so everytime i call its always something different an all lies i 'm tired of being victimized

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 2022-05-25
Company: ENCORE CAPITAL GROUP INC.
State: NM
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:
Midland Credit Management. they call 15-20 times a day, sometimes 5-6 times in 10 minutes. I have told them I do not have a debt and if they think I do then to send me a letter in the mail of my debt. I have never received a letter and today at XXXX XXXX, they called my wifes employer number after we have told them numerous times not to contact us. They threatened to give information to my wifes employer about me and a debt and then said she has a debt with them too so they can do whatever they want. 

This company needs to stop calling people, follow the guidleines of consumer protection or be sued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29
Company: Conduent Incorporated
State: IL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I have had an active child support case since XXXX, in XXXX my son turned XXXX, I had no idea I would still need the card and that I would get back child support on the card. I threw this card away back in XXXX. I have had some back child support sent to this card I was told and the card members say that I cant get my money since I dont have the card and they cant issue me a new one or anything, so where did this money go as the child support department says they no longer have the money that it was sent to this card!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Other financial service
Sub-product: Debt settlement
Issue: Customer service/Customer relations

Complaint:
I asked Wells Fargo if they would accept a Deed in Lieu before foreclosure for my home mortgage. They accepted the Deed in Lieu and said I had to vacate the property XXXX XXXX XXXX, XXXX. I requested an extension so I could get everything moved out of the house. They gave me an extension. We vacated the property on XXXX XXXX, XXXX. Wells Fargo said they would pay our moving expenses, but to date they keep postponing the moving expenses payout. I keep contacting them but the last time XXXX XXXX said I would have the check no later than XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX and no check has been received. I have constantly been the XXXX to contact them. First to understand exactly what a Deed in Lieu entailed, then to ask them to secure the house as it is in the XXXX and the weather can damage the house. The last time I contacted them I told XXXX XXXX I just had the oil tank filled and shut off the water pump and drained the lines. I asked him to please secure the property properly and have the house winterized as the house was in PERFECT condition and I wanted it to remain that way. I had lived and cared for that house for 25 years and only relinquished possession of it due to my inability to keep up with the mortgage and escrow payments, now that I am getting on in years and my income has finished. Please assist me with receiving my relocation check as promised. My address will be provided upon request as I am not to include personal information in this correspondence. My mortgage is less then {$600000.00} and the XXXX estimate of the houses worth is $ XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a resident of texas. I lived in apartment name The XXXX XXXX  / XXXX on XXXX. address is XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX. I lived from XX/XX/XXXX to XX/XX/XXXX. When i was moving out I made sure from apartment leasing office regarding my last rent due and paid them via money order. I also gave them my forwarding address to send any notices and my security deposit. Instead of sending me a notice of whats due and they even kept my security deposit. they send my balance due to collection agency located in Georgia without even giving me a call or giving me a notice. I also called apartment to find out what is due exactly. the manager didnt want to talk or call me back. I also reported the landlord to texas  attorney general office regarding their practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: Dynamic Recovery Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX from Dynamic Recovery Solutions contact me XXXX/XXXX/XXXX XXXX from XXXX he said i owe {$1000.00} from original creditor XXXX XXXX original accout # XXXX, he said he had mailed out a settlement letter in XXXX or XXXX to a different address he gave me. XXXX said i could settle the accout for {$700.00}. I told him i believe that account was paid back in XXXX, i asked if i could have the telephone number associated at this time and he did not want to provided it, he asked if i had a checking account or credit card i can give him to pay for this account. I continued to get calls for 3 days 3 times a day i refuse to pick up the phone, on the last day they called his supervisor was on the phone and i was not aware of this, and this rude lady just came on the phone and annonced she was XXXX the supervisor and that she wanted to settle this account today, she was offering me a settlement offer of {$730.00} that i had to give her my back information. Then XXXX said the offer had expired because it was in XXXX, then he changed it to {$530.00} i told her i needed a copy of the original letter that was sent from XXXX XXXX to their company and the balance that they claim i owe. They do n't want to provide any information to me about the original creditor. I told them to send me to my email a bill from XXXX and they only emailed me a collection bill. I called back to XXXX get more information and have got no where. I contacted XXXX today and without the phone number they are unable to find me informaiton they did a name search and ss # number search and nothing comes up with my name. I check my credit report their is not collection on their from XXXX, i called XXXX and they said its not showing anything from anyone but a medical bill that is all. On XXXX and XXXX nothing shows up in collections, only that medical bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: MD
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:
This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} US DEPT ED XXXX Balance Owed XXXX {$0.00} U S DEPT ED XXXX Balance Owed XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: Radius Global Solutions LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We get many calls from debt collectors looking for XXXX XXXX at our home phone number XXXX XXXX XXXX XXXX. We have had this number for over 10 years. The latest calls come from XXXX XXXX Mi and say to call them back at 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