BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a single, elderly, minority woman in bankruptcy! Wells Fargo illegally Filed a Motion to Lift the stay in my bankruptcy case! I am protected under bankruptcy court and I am making payments to them every month because they said they would work with me. Now they are trying to take my protection away and foreclose on my house! This needs to be stopped immediately! They never sent me a copy of this Motion and my attorney just received it today. The hearing is set for tomorrow! They need to be shut down for their illegal practices. 
I do not have a copy of the motion to attach as I never received it and just got a call from my attorney about it. 
XXXX XXXX is about to hit us and I do n't need anymore stress!

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 2017-09-06
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I got an email offer for getting XXXX after {$5000.00} spend on XXXX XXXX 2017. I enrolled in the offer on XXXX XXXX 2017 and got a confirmation email shortly after I was enrolled. Then I spent some time completing the spending requirements. During this time I got couple more emails reminding me to put spend on this card to get the bonus points. However, I did n't get any bonus points after I completed the spending. I called American Express to submitted a claim regarding my missing rewards. Then I was told that the deadline for enrolling is XXXX XXXX, 2017, which I missed ( expiration date for enrollment was written on the side with smaller font, easy to miss ). However, I did n't get multiple confirmation email after my enrollment. I understand that I should be enrolled within the time frame to get the offer, but it is clearly American Express ' mistake to send out multiple confirmation email to remind to spend the required amount. Thus, I feel I should be rewarded for the offer. I talked to a couple rep from American Express, but they all refused to help me. I 've put a lot of my everyday spend on this card and always appreciate the good customer service from American Express. But I have to say that this experience is such a disappointment to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We sold our home in 2016 as a short sale. We have documents from the bank showing it was an approved short sale. They have reported it as a foreclosure on my credit. We are currently trying to purchase a home and we can not proceed until they remove the foreclosure from my credit. 

My wife has called them multiple times and they refuse to listen. We 've disputed the claim with XXXX and also XXXX and they 've come back and said it was legitimate. 

We need this to be cleared up as we are living with my wife 's parents until we can proceed with purchasing a new house!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Colony Brands, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently check my credit report and I noticed 2 inquiries listed on my report. The first one was from ASHROXXXX XXXX XXXX XX/XX/2022 located at XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX a phone number of XXXX. The second inquiry was from XXXX XXXX XXXX on XX/XX/2022 with no phone number located at XXXX XXXX XXXX, XXXX DE XXXX. I went online to check on the two inquiries and the XXXX XXXX is regarding mortgage and could not find information on AshroXXXX XXXX have read complaints about these companies that may include fraud. These companies DID NOT and HAVE NOT contacted me. Therefore I believe this may be fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very XXXX for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law.

XXXX- Late 120days I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-07-15
Company: Amsher Collection Services, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, I have had a negative item pop up on my credit report for a collections charge for XXXX XXXX. 
I have never had a XXXX XXXX account in my life. 
However, I did have identity theft earlier this year. My bank stated that the person had my email and phone # on their application. 

I contacted XXXX and have been told that Amsher verified this as an accurate collection against me. I would like to know where they obtained this information. 
I tried several options to contact them on phone lines and no matter which path I chose, at some point the call disconnected. 

If I am in collections, how come I have never received a letter or phone call. My cell # is XXXX and is with XXXX. 
Please phone me immediately to discuss this. 

This happened on XX/XX/2022. XX/XX/XXXX, Amsher collection verified it as an accurante debt. The debt is for {$460.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: ONLINE Information Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
- I found an entry from ONLINE INFORMATION SERVICES on my credit report. 

- I searched XXXX for their phone number asking for more information. They refused to give me any information unless I " confirmed '' the debt. 

- I sent them a letter on XX/XX/19 asking for confirmation of the debt. I have attached a copy of the letter I sent as well as the Certified Mail confirmation that shows they signed for the letter on XX/XX/19. 

- I HAVE RECEIVED ZERO CORRESPONDENCE FROM THEM AND NO PROOF OF DEBT OR ANYTHING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-06
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Rushmore Loan Management is trying to collect on a debt that is n't theirs to collect and it also does n't exist. Rushmore Loan Management has that my mortgage is one month behind due to not paying a payment to XXXX XXXX XXXX in XX/XX/XXXX. 

Please note, Rushmore began servicing of the loan as of XX/XX/XXXX. They are trying to collect a debt that is n't owed because XXXX XXXX XXXX made an adjustment to the loan due to a mortgage modification. 

Rushmore also has an incorrect loan balance from the beginning of the loan. If anything, they owe me money. I 'm attaching the loan transfer information. It has the proof of date that Rushmore began servicing loan. I 'm also attaching XXXX XXXX XXXX 's final statement, dated for XX/XX/XXXX payment. It shows a final principle balance of {$100000.00} ( I circled it ). The statement does not show any late payments. It actually shows " unapplied funds '' which Rushmore does n't show on their records.
Rushmore shows in there records of a beginning balance of {$100000.00}, I circled that too. The unapplied funds which Rushmore does n't show on my account is {$490.00} which was actually sitting on account prior to filing a bankruptcy. It should actually be applied to the principle on my loan cause technically I 'm out of Bankruptcy now. This unapplied funds can easily be viewed on the XXXX  XXXX XXXX final statement. You can also note my final payment to XXXX XXXX XXXX which was applied XX/XX/XXXX. There are no missing payments reflected on the statement. 

Rushmore is in violation of the Fair Credit Reporting act on trying to fraudulently collect a debt, putting my loan in a false default and I think their in violation of insurance fraud because I think they have fraudulently collected on mortgage DEFAULT insurance. I 've tried to correct this so many times with Rushmore by even reconciling their statements for them. 

I want my loan taken out of default. They should also be assessed each individual {$1000.00} for each occurrence for violation of the Fair Credit Reporting act and they should be investigated by the appropriate agency regarding mortgage loan servicing fraud. 
Please see the attachments. Please also note, I circled all the payments made to Rushmore that are noted in their own records. You will see, I have n't missed a payment. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Affirm Holdings, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX  a loan was taken out in my name. When I gainedknowledge of this loan I immediately contacted Affirm to reportthe fraudulent account and followed their instructions to reportthe fraud. ( Police report and FTC complaint ) Affirm came backafter a few months and told me that they investigated thisaccount and determined that the loan was mine. I asked for theproof which they in turn cut all communications. Fast forward toXXXX and this is on my credit report as a default and I continue toask Affirm to provide all documentation that shows this is myaccount to this date Affirm has only provided a truth in lendingwhich shows it was signed electronically and a loan verificationsheet. Neither of these documents show anything other that itwas signed electronically. I have asked for a delivery signature orsomething with my signature and nothing has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello My Name Is XXXX XXXX. 
I would like to remove any fraud alerts on XXXX, equafix or XXXX. I have tried calling up each company directly and the computers that answers these phone calls go around in circles. 

No fraud alert is needed on my account so if any company has my name as a fraud alert I would like it removed. I am trying to apply for things and It is saying I have a fraud alert. Hopefully with this being said this can be resolved. If any questions or concerns to verify I am really me please feel free to call me or e-mail me on information you have as my contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: ALLY FINANCIAL INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Car loan is with Ally Financial we purchased a XXXX XXXX XXXX : Issues : 1 - I requested Ally to note my account that I would be paying my car payment bi-weekly. Yet we were bombarded with phone calls mid-month for the full payment 2 - late charges were added to the account after the bi-weekly payment 3 - When paying using Ally 's online system it would take weeks ( 2 to 3 ) before the payment would be taken from my bank account 4 - If the payment was called-in it would take weeks ( 2 to 3 ) before the payment would be taken out of my bank account 5 - Payments made through XXXX XXXX status of processing for weeks My mother and I are on the loan, I am the co-borrower. Unfortunately, my mother had to file bankruptcy. We received a Consent Order Modifying Automatic Stay and Co-Debtor Stay indicating that payment had not been made since XXXX XXXX and in order to keep the car we would be required to make monthly payments of {$960.00} from XXXX XXXX to XXXX XXXX. 

I contacted XXXX XXXX in XXXX requesting a payment history for all payments for my Ally account number. XXXX XXXX customer service first told me that the verbal request was all I need but when my mother contacted they required a form be filled out. We submitted the form on XXXX XXXX. XXXX XXXX questioned my mothers authority to request the payment information, we resent the form with both our information. 
We have yet to receive the payment history.

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 2017-09-06
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My personal information was compromised in 2013 and there have been consistent attempts of ID theft over the past few years. It has been realized that my information was used to obtain services with this service provider. I do not know what type of services were applied for and I have tried to speak with the debt collection company but no remedy has been given. 

I have never had or applied for service with this company and I have no reason too. I have never authorized any person to use my personal information to acquire an account with this service provider and therefore I request full validation of this account. I require the application and identification used to open this account so that it can be brought forward as evidence in my ID Theft compliant with both the CFPB and the FTC as well as law enforcement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: Navient Solutions, LLC.
State: DC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Hi, I just received a bunch of emails regarding pioneer credit company calling people. They disclosed my personal information to at least 4 third parties, called my employer before XXXX ... more than once, I have the screen shots they sent. Because of this, they will not be asking me to work for them again they said. These credit people also called my younger sister, not a co signer or anything and someone from world bank. What the heck is going on? This is harassment and I could have ticked off ALL of the complaints for this company. All of this stress and illegal disclosures and I still have n't received any proof that this debt is mine.

I would like this company to stop harassing me immediately and to stop contacting me 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 explanation
Consumer complaint received 2022-07-15
Company: Fig Tech Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I took out a loan in XXXX  with fig loans. It had four payments due, which I made all of the payments. They claim I still owe {$130.00} and have been reporting this is past due and charged off on my credit report cents. I have contacted all three credit bureaus, XXXX XXXX and XXXX XXXX to dispute this. When they investigated it fig loans continued to verify that I was past due and did not make the last payment. I have disputed this directly with big loans as well and provided proof through my bank statements that for payments in the amounts due were paid. They continue to try collection efforts on me, and tell me that their verification shows that one check was not cleared and bounced. Obviously through my bank statements it shows for withdraws from my checking account over four months, and this proves that I do not owe them any money. They are continuing to violate my rights under the fair credit reporting act and the fair credit debt collection practices acts. I want this I want this account removed from my credit reports with all three bureaus immediately. No late payments were made and no money is owed to this company. They have also violated the law and I am due compensation Of {$1000.00} per incident. I want this investigated asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have attached the narrative and references detailing this complaint along with many copies of our letters and responses from Webster Bank. I have more information - like proof of delivery - that I can provide upon request. 

Webster Bank, over the past 9 years, has refused to provide a chain of title regarding our mortgage, as well as refusing to supply us with accurate contact information for the owner. These are the subject of this complaint. 
Please note that in XXXX of 2014 - a letter from attorneys accompanying the service members relief and the notice itself do not mention the owner of the mortgage at all. 

Throughout the correspondence between us and the bank there are clearly other issues at play, including dual tracking, which was the subject of a previous complaint, and pyramid fees, refusal to provide cogent information about our payment records, abusive including calling us names, leaving strange hand-written notes on our door, and harassment that have caused distress and health issues. 

This bank clearly does n't understand the applicable laws in certain areas including the chain of title, subject of this complaint. 

If I have omitted any of the referenced correspondence please let me know and I will send it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: PNC Bank N.A.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am writing to delete the following information in my credit profile the item I need deleted are listed in the report I'm a victim in identity theft and did not make the charge. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission I also have enclosed copies of Federal Trade identity theft affidavit. I will appreciate if you delete it as soon as possible as it is hindering me from trying to advance the events in my lifestyle to provide a better life for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: Experian Information Solutions Inc.
State: MO
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:
After looking over my credit report. I as of late received a duplicate of my credit report from the credit reporting agency. Which by the way is self proclaimed as being not only accurate and complete but also metro 2 compliant in the verification of their consumer credit reporting as detailed in the description of XXXX ( their web based automated verification process ) Their exact XXXX  definition ( per XXXX XXXX XXXX ) is that " XXXX is a web based metro XXXX compliant, automated system that enables data furnishers ( DFs ) and credit reporting agencies to create and respond to consumer credit ... ... '' Due to the reporting i noticed a late payment being reported by XXXX XXXX XXXX which I disputed with them on XXXX XXXX with tracking number XXXX in which they failed to comply and ignored my request after I disputed with the credit bureau and they failed to comply as well on an alleged DEROGATORY late payments DEFICIENT Of required proof of adequate federal reporting compliance namely metro XXXX and the FCRA standards XXXX reporting are certainly unlawful, unethical, and undoubtedly in clear infringement of my consumer and or civil court rights. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to HOW, WHEN, and WHY these late segments are notations within my credit worthiness! Puzzled! Left with no response that complies with metro XXXX. So I decided on enacting my rights to COMPEL, them as required to mandate the alleged data provider of the UNPROVEN derogatory suggestions of late payments to surrender to credit bureau as they surrendered to me an evaluation of my record throughout the life of the loan.

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