BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-19
Company: Nicholas Financial Inc.
State: NC
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Auto finance company called my phone 5x in a row back to back for a bill overdue less than XXXX weeks. Also called my job the next day and was extremely rude to my coworker after she ( my co-worker ) advised the company representative it was not allowed for them to call about this. Not to mention, the company rep did not disclose the company she represented fully, only gave part of the business name ( the company is Nicholas Financial, when my coworker asked where she was calling from she would only say this is Nicholas ).

Company response to consumer: Closed
Consumer complaint received 2016-04-12
Company: RoundPoint Mortgage Servicing LLC
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We have a mortgage with Roundpoint Mortgage Servicing. Apparently the escrow balance changed which changed our monthly payment. Roundpoint has debited our XXXX checking account for the old amount, but will not apply this to our payment. They have not called, emailed or otherwise contacted me or my wife. Now they have added a " late payment '' fee and consider the account overdue and " in default. '' I have emailed them over 20 times on their site and they have not read or responded. 
I have called and left messages as per their instructions and nobody has called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Best Buy citi bank credit card is charging an unexpected high rate intrest charge for the month of XXXX. I've requested a signed contract with multiple attempts and they have failed to provide it.

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 2015-12-31
Company: World Acceptance Corporation
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Upon receiving my court summons, I checked the date I was to be in court. The first date given was around the day I was being admitted into the hospital to deliver my child. I contacted the local office and was told to contact the plaintiff 's ( World Finance ) lawyer. I did so, explained the situation, and was given reassurance that a later date would be arranged, at which point I would be notified. That was the last I heard from him or World Finance. Unbeknownst to me, court took place and since I was not present, the judge automatically ruled in the plaintiffs favor. Not only Is that in itself wrong and illegal, I could 've fought the charges. I do n't know whether I would 've gained anything by arguing my side, but I did and do have the right to fight this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Sequium Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately. 
Sequium Asset Solutions, this is not my debt and Ive never done business with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our original Loan was XXXX after a couple of years of going back and forth and holding the Mod for a number of unfounded excuses they finally agreed to the DOJ/Mod but before anything could be done XXXX Transferred my loan to SPS on XX/XX/XXXX after a few months of the same with SPS we were finally sent a DOJ/Mod approval on XX/XX/XXXX we made our 1st initial trial payment and noticed that the amount of salary that was used to calculate my salary was wrong at more than double my true salary on XX/XX/XXXX we wrote to SPS and advised them of the issue the SPS rep assured me that i had the wright to dispute but to not stop making the other 2 trial payments after about 2 moths after I paid the final trial payment I was told the investigation was complete and it was correct under the advisement of the SPS rep I was told that I could simply refuse the DOJ/Mod and start a new one since I could not accept the first one because if I had accepted this I would be committing perjury and Fraud a my salary has never been {$10000.00} monthly. on XX/XX/XXXX I sent in my XX/XX/XXXX XXXX XXXX XXXX and on XX/XX/XXXX I called SPS and was told once more by the SPS Rep that if I did not agree I could dispute this once more on XX/XX/XXXX I received a letter to inform me that since on XX/XX/XXXX I did not agree then I could not qualify for the DOJ/Mod principal forgiveness program, I received foreclosure documents and my Lawyer has been able to stop the sale twice but I just find this very fishy that I was approved at a higher salary which was not true but at the corrected one I did not qualify for, I believe this is Fraud and it needs to be investigated to prevent this company to do this to anyone else even if I have to loose it all I will keep voicing my right as I did everything that was asked of 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 2023-04-09
Company: Experian Information Solutions Inc.
State: CA
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX  these accounts have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i.

I waited 30 days and I haven't received nothing. Here is my tracking number : XXXX. It has been over 30 days. 

And one more thing, they didn't even record the current status of the disputed information. 

Experian, XXXX, and XXXX are holding me back from getting a house. This is very frustrating because I am trying to buy a house for my family as an FHA program buyer but Experian isnt doing its job according to the law.

I've included a substantial amount of evidence, that is simply undeniable!

Please help correct these mistakes and wrongdoing & be of assistance for me getting my life back together Thank you

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 2016-05-24
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After having unexpected expenses in XXXX 2015, I fell behind on my mortgage. My mortgage is new and I am the only one employed in a household of XXXX. I have applied for help 4 times and denied for various reasons, one being I need to show an INCREASE in income. The only resolution they gave is to pay 2 payments a month which would be XXXX, almost XXXX of my income. I since applied to XXXX the hardest hit fund for assistance and was told the only issue that will result in denial is that my servicer is not a participation lender in the program. I was told to contact mortgage company and request they participate, their response was no! I looked further into the program as I could n't believe a mortgage company would n't accept funds to help prevent foreclosure from a federal program. I found that my servicer was a participant in other states including XXXX, XXXX, XXXX and probably more. I need help to catch up and I want to keep my home. I have no intention to let my home be taken away from me and my family. I have since addressed the new information with my servicer and was told " they will get back to 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 2016-05-25
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for a XXXX checking account provided by Citibank with a promotional bonus of XXXX Thankyou Points after meeting specific requirements. At account opening and ffter I finished the requirements I double checked with Citibank 's customer service agent and they all confirmed that I am eligible for receiving the bonus and it would be posted to my account 90 days after I finish all the requirements. However, it did n't post automatically and when I inquired through that system I got a response saying that they wo n't honor my bonus since I was n't targeted for the promotion. If that is true, they should n't have let me open the account, and should n't have confirmed my of the eligibility of receiving that bonus. This is a typical 'bait and switch ' activity.

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 2023-04-09
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV Funding # XXXX ( XXXX ) {$670.00} XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX, XX/XX/XXXX ) {$1700.00} XXXX XXXX XXXX XXXX ( XXXX, XX/XX/XXXX ) {$97.00} XXXX XXXX XXXX XXXX ( XXXX, XXXX ) {$64.00} XXXX XXXX # XXXX ( XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ) {$90.00} These companies keep showing up on my credit report and I don't know them with being XXXX had a big breach XXXX would like for these items to be removed. 
No Actions was done because I didn't know how to locate these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Chime Financial Inc
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/ XXXX  I purchased using my Chime credit card from a company for {$79.00}. I contacted the company and requested a refund cause I nvr recieved the order. They have told me on numerous occasions for several months now that they refunded me and to check with my card account. I have not been refunded. I filed a dispute with Chime since XXXX to current and they keep denying my dispute. I have given them the emails showing them that this company keeps stating they refunded my account and Chime denies to due a document they recieved stating the package was delivered. It's not even a legit document. It's not a tracking from a post office or any tracking company. Why would they refund me if supposedly I recieved my order? I feel I've been taken advantage of and scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: Allen & Withrow
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I have been issued a writ of garnishment for a debt under a previous name ( I was married in XXXX ) that was assigned to a bank account I had in XXXX. I filed for bankruptcy in XXXX. I do not recognize the debtor, XXXX XXXX XXXX XXXX and have received a second notice of garnishment, this time for a bank account I opened in for my incorporated business. The original debt listed was for {$1100.00} and the garnishment order is for {$3300.00} This debt is not listed on my credit report, and I have no way to know what it is for without engaging the collection agency and reopening the statute of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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:
The following are unauthorized hard inquiries in my ( 3 ) credit reports XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: World Acceptance Corporation
State: OK
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I told them I could work out an arrangement with World Acceptance Corporation. They said no. They keep calling my job after they told them no.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04
Company: World Acceptance Corporation
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
WORLD FINANCE CO XXXX XXXX XXXX XXXX, SC-XXXX XXXX could n't pay the loan ... and then years later got back on my feet ... was homeless after 11 year relationship passed away ... made my life not worth living for and to boot the workers bothering me over the phone XXXX you going to have the money and coming to my house and just dissing me anyay they can ... going to put me in jail ... my life will end ... of course i did n't want to go back there had enough issues weith the past death ... was my soul mate ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am a former Wells Fargo customer. And my account was charged unfairly during the time I had the account. I am owed something from the settlement.

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 2023-02-24
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$17000.00}

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 2023-01-27
Company: EQUIFAX, INC.
State: NM
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:
Hello, I sent XXXX, XXXX, and Equifax letters asking them to investigate and verify my debt on my credit report just to make sure the names, amounts, dates and everything else involved with the accounts were accurate. I have received the credit bureaus responses and uploaded them in a pdf. 

They have stated that everything is verified and correct, and validated correctly, however, my credit report is still showing inaccuracies and inconsistencies. 

I have highlighted all of the inaccuracies by circling the account name and underlining the inaccuracies and inconsistencies in red pen. You will be able to see my credit report from before and after their updated reports to show as proof that it is still showing inconsistencies and inaccuracies. 

In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681s- ( A ) ( 1 ), the following accounts have violated my rights, which states that " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. " : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We had 2 months deferred due to the pandemic and is showing 30 days late. the account is now paid off and should reflect as never late Please see attached deferred payment agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I used to have a bank account at Wells Fargo back in XXXX and one day I went to the ATM machine and my account didnt exist any more. I didnt do anything at that time I just feel frustrating. I dont really know how much money I had in the account. Days later I went back to the bank and they told me I didnt have an account. I was mad and I just left I was younger and I really didnt care about money but even if I dont receive anything I want to support other people because wells fargo is the worst bank ever. They steal your money. They steal my money back there.

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 2022-12-24
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I checked my credit report and it was a bankruptcy on it and i sent a letter and called XXXX, XXXX and Experian and they all said it was verified through the courts. So i contacted the XXXX XXXXXXXX and the reply was they don't give information to 3rd party groups. So i sent letter to XXXX XXXX and all 3 credit bureaus as you can see in the attached document below XXXX XXXX removed it and courts continue to say verified through courts.

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