BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-11
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021 I received a email notification of my credit score dropping and I noticed this account for {$1900.00} was on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax is not allowing consumers to freeze or unfreeze credit. Equifax 's site says " We are temporarily unable to complete this request '' and there is no customer service available. People on Equifax 's social media sites have been struggling with this apparenty for weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have received calls from this number on my personal phone, and at my place of employment. The XXXX caller was a gentleman, and he would not give me his name or the name of the company he represents. He only said that he works with a locator service and he needed to verify my address so that I would n't miss a court day. He also wanted me to call a certain number. At that time I told him that I could not give him any information since he had n't given me enough details. He went on to tell me that a complaint had been filed against me and he gave me no specifics, and that he wanted to make sure I did n't miss a court date. He claimed that he 'd sent information to my home and it was returned. I have lived in the same home for about XXXX years, so I did n't believe him. Today I received a similar call, but this time a lady left a name. She also said that she was calling from a locator service. She said her name is XXXX XXXX, and she could be reached at XXXX XXXX XXXX XXXX, Ext. XXXX. The message she left said that a complaint had been filed against me, that I had been " serviced this morning '', and that she would be calling the human resources or risk management at my place of employment so that I can be served on site without incident. The work day is over and I have not been 'served '. She also called me at work today, and she called my employer as well. She also called a relative, and left a message. When I called the number left on the message, the recording said the name of the company is Bayview.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: EQUIFAX, INC.
State: AL
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:
I have been requesting, since XX/XX/2021, verification of these alleged debts that the Bureaus keep reporting on my credit files. However, credit bureaus and these companies - XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX failed to investigate & obtain, as mandated by law, proof of such debts. Yet, they continued to report & sell erroneous information about me. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law. Please remove the accounts immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: Experian Information Solutions Inc.
State: PA
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:
I have made more than 4 attempts to have my credit report fixed. On XX/XX/XXXX, the XXXX XXXX XXXX XXXX ( Creditor ) has notified me that they have NOT reported the information as indicated on the report provided to me on and before XX/XX/XXXX. 
I have disputed the account since XXXX of XXXX and provided ( XXXX, XXXX AND XXXX ) with the documentation provided to me by the creditor ( XXXX XXXX XXXX XXXX ). The agency knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. They have failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. They have communicated and are continuing to communicate incorrect and defamatory information to third parties. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I was never late on my accounts espeially not 90 days. It wendt from30 to 90 days when in fact they are reporting payments being made in the months I allegedly was late.

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 2021-05-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I recently became aware of a check # XXXX payable to me in the amount of {$130.00} that was deposited by someone other than me in an account at Wells Fargo that wasn't mine, which represents several problems namely, Wells accepting a check payable to me that I did not endorse, crediting an account that was not mine, or even worse depositing it into yet another unauthorized account.

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 2017-02-10
Company: Machol & Johannes, LLC
State: NM
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
1. In addition to not receiving notice of right to dispute, 2. The law firm Machol & Johannes LLC is repeatedly submitting legally insufficient filings to the Defendant ( s ) they serve 'Complaint For Money Due. ' For example, in order for the 'Complaint for Money Due ' to be legally sufficient their filings fail to comply with Rule XXXX ( XXXX ). Machol & Johannes LLC did not attach alleged contract to the complaint, as required by New Mexico law, nor did they serve the alleged contract with the complaint. Therefore, it is legally insufficient if the 'Complaint for Money Due ' does not have the alleged contract attached. They MUST be served together to be legally sufficient. Machol & Johannes LLC does not comply with Rule XXXX ( XXXX ). They do not attach the alleged contract to the 'Complaint for Money Due ' that results in their improperly serving Defendants. 
3. Machol & Johannes did not prove ownership that it is the holder in due course thru chain of title, as also required by law. 
4. Instead, Machol & Johannes attached their XXXX Offer Form to make payment arrangements to 'Complaint for Money Due ' that was served to defendant instead of the legally required alleged contract. This is a deceitful business practice and an attempt by Machol & Johannes to make their payment form appear like a 'legal ' document. This is shameful that the New Mexico courts, do not carefully review how Machol & Johannes are serving defendants. 
5. Machol & Johannes take advantage of Defendants who are not represented by attorney because they assume Defendants do not know the laws and or court rules. 
6. Machol & Johannes attorney, XXXX, continued to send me excessive emails after I notified her not to contact me via email due to security/privacy issues. XXXX ignored numerous emails to discontinue communication via email and to continue to contact me by regular mail instead.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank of america closed my account about a month ago because of XXXX returned check i had tried to place a stop order on. This was the first and only time this had ever happened. This was bad enough but, what really has me upset is that they owe the money in my account. I awaiting on a XXXX check they say is coming but never does. BOA 's risk or fraud dept. is horrible I have read so many bad reviews online.I need my money to pay rent, to buy food, etc. They do not care. Can you help 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 2016-07-21
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage lender, Bayview Loan Servicing, has failed to pay our property taxes. Property taxes and insurance are included in our monthly mortgage payment and placed in escrow. Our payments are up to date and we are in good standing. We received notification from our XXXX 's tax office stating that our taxes for 2015 were n't paid. After repeated attempts to resolve this issue, our taxes have still not been paid by Bayview and as a result, a tax lien has been placed on our property which will result in foreclosure if not promptly addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: ERC
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 status incorrect

Complaint:
Multiple letters have been mailed off my request to have certain inaccurate accounts removed from my credit report and it has been well over 30 days and I have received no response from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: EQUIFAX, INC.
State: LA
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 recently disputed fraudulent information on my credit bureau after I was exposed in recent data breaches. I have already submitted all of the supporting so I am resubmitting this dispute. I am verifying that this is me who is disputing these fraudulent items. I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed in my etc report were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asa

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: Machol & Johannes, LLC
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
collection agency garnished my checking account and savings account. took all of my funds, and left me with a negative XXXX dollar balance so my next direct deposit will go to them leaving me no money for food, gas, utilities much less my mortgage payment. have XXXX dollars cash now, a week before XXXX which i will not be having this year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX
Product: Payday loan
Issue: Can't contact lender

Complaint:
I was trying to log into my account to see what my balance is because I received a letter from a third party collection agency but have yet to receive any billing notification from Cash Central. When I was finally able to get in touch with the company they gave me a phone number to a company that does not even exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
A company called Fast Cash Services claims that I owe them XXXX from an old outstanding debt and they want me to pay within 24 hours and the case will be downloaded and they will file suit in federal court in XXXX, FL. FCS Incorporated is the name of the company they claim to be working as.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was told I needed to get my credit over a XXXX to proceed with a VA IRRRL and was advised to work with their credit repair team. I made some extra payments and requested an updated balance statement so that we could submit a credit score update. The work I did helped me get over the XXXX mark but when I was transferred to a new loan officer, he advised me that my credit needed to be over XXXX. I feel like I am a victim of a bait and switch, I did everything needed to get my credit over the mark and to change what I was told is very upsetting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX XXXX, I requested an Escrow Analysis because my mortgage payment increased. The increase was due to higher taxes and insurance which I understood, however, the company said they were " allowed '' by law to invoice for more than what is actually owed for escrowed items effectively allowing them a cushion of extra funds in my escrow account. I expressed to them verbally that I can not afford anything over and above what the actual charges are. In XXXX XXXX, I once again requested an Escrow Analysis and was promised I would receive one by no later than XXXX/XXXX/XXXX. To date, I have yet to receive my Escrow Analysis but I have received a notice of intent of default and intent to accelerate, presumably because I am not paying the invoiced amount and now I have incurred late fees and additional charges. My son was diagnosed in XXXX XXXX with an XXXX and the XXXX of this situation is very hard on my son and me. I would so greatly appreciate any assistance you can provide. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I took out a loan and it was due on a Friday. They called me on Wednesday and told them I would be there on Friday between XXXX-XXXX. They called me at XXXX XXXX. on Friday morning. I told them the same thing. They called again at XXXX XXXX. to 'make sure I was still coming in. '' When I took out another loan, I fell behind in the payments. The phone calls then increased. I got over 15 calls a day from them. I was in a meeting one morning and when I could n't answer the phone, they called 8 times back to back. I then began getting calls from them and they would hang up as soon as I answered. I filed a complaint with the TN Dept of Financial Institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I requested a free credit report from Experian and not received my free report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We were in Forbearance until I obtained a job making $ XXXX/hour Wells Fargo has consistently denied us th opportunity to return to regular payments they have placed the house into foreclosure and have made demands for {$26000.00} to return the payments. We believe that the bank 's staff has done this in the last two weeks following us filing a previous complaint with you guys. We received a call today, stating the {$6400.00} I make a month is not adequate salary for us to return to the $ XXXX/month mortgage. 
I tried to apply for a {$26000.00} loan to catch up the house, only to find out WELLS FARGO has been reporting late payments on my credit report since we 're on forbearance - so we are stuck in a large hole with no assistance from the bank. They wo n't return any of our calls. 

We believe that the decision was based more on the fact that there was a complaint filed, then our ability to resume payment regularly

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 2021-05-22
Company: Santander Consumer USA Holdings 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: Old information reappears or never goes away

Complaint:
They are reported negatively twice to Each credit reporting agency for the past 3 years causing a double Jeopardy and double the damage to My name as if is 2 seperate incidents causing my score to suffer double the points as it should. Yet both companys refuse to remove any negative reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/XXXX - Closed CashApp account, visa card ending XXXX. 

XX/XX/XXXX - XXXX sent refund to CashApp account with the visa card ending XXXX. Contacted XXXX to inform that CashApp account was closed. XXXX said they can not cancel the refund to reissue to another form of payment and to contact CashApp to retrieve the funds. 

XX/XX/XXXX - emailed CashApp customer support to request access to closed account so that I may retrieve funds refunded by XXXX or request CashApp send me a check for the funds. 

XX/XX/XXXX - emailed CashApp customer support & Square, Inc. customer support. 

XX/XX/XXXX - XX/XX/XXXX - Have emailed CashApp customer support multiple times. They keep sending me the same auto-reply email asking the same questions about the closed account and nothing has moved forward. There is no other way to contact CashApp customer support besides email.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
wells fargo has not reported correct information. My credit scores still read that I have not made a single payment since 2008. Wells fargo has been contacted in the past by XXXX XXXX about the payments. She is the other member of the JOINT ACCOUNT. SHE HAS ALREADY SUPPLIED ALL THE PAYMENTS FOR THE PAST 5 YEARS. Wells Fargo has yet to update my information. I have recived a useless phone call from a useless person who refused to go over information and was more worried about verifying information. It is now at the point where the mortgage has been transfer to bay view loans with incorrect information.

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 2021-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Transunion has not mail my free report i requested several times.

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 2017-01-21
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
According to the Fair Credit Reporting Act ( FCRA ) the public record ( Dismissed Chapter XXXX Bankruptcy ) was to have been removed from credit file XX/XX/XXXX. EQUIFAX is the only credit bureau who has not complied. Their action continues to have a negative impact on credit scores. 
I continue to dispute EQUIFAX Hard Inquiries. EQUIFAX continue to comment that these hard inquiries are factual records of file access and if I believed these records were unauthorized for me to contact the creditors. I have done this on several occasions. 
Credit files : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax - As you know, deleting the Pay History for this account orphans the record - and leaves this account Inaccurate and then also incomplete, according to the XXXX and XXXX credit reporting guidelines. 

XXXX XXXX XXXX - Not Reporting Accurately 1. This Account is Paid and Closed. 
2. The Activity Designator is inaccurate, and should not be " N/A '', instead it Should be Paid XXXX Balance 3. The Payment History is inaccurate, and should only reflect the 3 months that this account was opened. The Pay history goes through XX/XX/XXXX, when it closed in XXXX. 2015 Please verify the Open/Close Date for this account Please verify the Pay History that supports this Trade line Please verify the Activity Designation for this account

Company response to consumer: Closed with explanation