BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-30
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I am writing this letter because I have fought and fought to save my home in XXXX, Wells Fargo Bank N.A . have denied my application for modification I am afraid me and my children will become homeless. Wells Fargo Bank and its attorneys have refused to offer me an affordable modification under HAMP, nor have they inquired as to my financial, qualifications so that I may stay in my home with my family. XX/XX/XXXX I relied on 12 USC 95 a ( 2 ) to transfer my interest in the mortgage and note to the Unites States, yet Wells Fargo Bank has not discharged the debt and is still moving to remove property from my estate. The state court has ignored my pleas in Illinois circuit court case XXXX CH XXXX. The Illinois appellate court went as far as to say the assignment was done by the attorney representing Wells Fargo Bank on behave of XXXX XXXX XXXX XXXX XXXX ( XXXX ) but it was not enough information to prove that the attorney was not employed by XXXX ; see Appellate No. XXXX. I have went as far to seek relief from Illinois Attorney general XXXX XXXX 's Office. What is the purpose of the Consent Orders in XX/XX/XXXX, XX/XX/XXXX,, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller and the State 's Attorney General office?

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 2015-09-18
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
While serving XXXX, I fell behind on money. I applied for a payday loan with NetCredit. After being charged over {$200.00} every two weeks and my balance not going do I did some research and found out I have a 153.01 % interest rate. When I contacted them about this being illegal for XXXX military they blew me off. Having this is ruining my credit score and I can not keep up.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Due to XXXX deaths in the family and a personal hardship caused by my wife 's car accident which has caused a decrease in our family 's income and my recent XXXX out of the XXXX XXXX XXXX, we have temporary falling behind on our mortgage. My wife and I have been dealing in good faith with wells fargo and providing all requested documents in a timely manner. We have been most diligent in following up with Wells fargo to check the status of our loan modification application and we feel that wells fargo has not been cooperating with us as we look to achieve a mutually beneficial resolution. Our goal is to keep our loan obligation and secure a mutually agreeable loan modification solution. So that my wife and I can continue to raise our XXXX sons in our home. We appreciate the opportunity to work together with wells fargo so that both they and my family can benefit. I 've faithfully served in the XXXX for ten and half years and I would greatly appreciate wells fargo cooperated with me as we are now coming out of this hardship and looking to get back on track with our mortgage payments. I 'm currently working at XXXX XXXX as a fright XXXX and my wife is nearing the completion of XXXX and will be returning to work very soon. Once again, we are just looking for some corporation from wells fargo to cancel the sale date of XX/XX/2015 so that we can secure a loan modification and stay in our home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Credit report continues to show duplicate accounts that will not be removed. After running the XXXX score simulator the results indicated if I make my payments on time for another 20 years my score will still be XXXX poor? There reporting is so invalid. The credit card companies XXXX, XXXX just pull hard inquires whenever they feel like it XXXX for XXXX application. I give up ... As soon as the computer system was able to log disputes the reporting agencies employees became even lazier than before, they just wait 25 days and update with the same incorrect results. They contacted a closed business for verification? Yeah right. Its all scam now, as soon as you log in they want your money to upgrade to this and that and they are in cahoots with the credit card companies that pay them to advertise.

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 2016-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have several accounts listed with you that are fraudulent some of these companies such as XXXX acct # XXXX have said they are removing these items as fraud as my idenity has been stolen but your credit reporting company has refused to remove it as such i have filed a fraud affidavit of identity theft and police report notarized the report also includes the email in which it was sent electronically with the named accounts that need to be removed immediately

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am getting a report that has told me some one has open a mortgage in my name and credit my credit score is now down I believe because of it. I have not open a mortgage loan at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. XXXX. XXXX. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Please remove these inquiries from my credit report immediately ALL ATTEMPTS TO GET THIS REVOLVED WITH THE COMPANIES THAT PULLED MY REPORT AND EQUIFAX HAS FAILED! THIS NEEDS TO BE RESOLVED ASAP FOR IT IS NEGATIVELY AFFECTING MY CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
While reviewing my EQUIFAX credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on XXXX/XXXX/2015. I did not authorize anyone employed by XXXX to make such erroneous inquiry. 
XXXX XXXX misdeeds constitute fraud and a serious breach of my Privacy Act and FCRA Section 1861 b ( c ). 
XXXX were not legally authorized to unilaterally review my credit without my written consent, thus, an act against the law that has continued to cause me economic hardship and prevents me from securing a meaningful employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid in full and closed a credit card account back in XXXX with XXXX Bank As of XX/XX/2016 they are now reporting status of 60 days late. The account is closed with a zero balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
My credit report is now showing an address that I do not recognize. I would like to know where the bureaus obtained the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX address. I did live in XXXX before, but never at this address. Any account associated with this address is fraudulent and does not belong to me. Please remove this address from my credit report and please notify me if there is any accounts / reporting associated with this 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 non-monetary relief
Consumer complaint received 2016-03-31
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Good afternoon- I have requested on seven occasions now that Equifax remove inaccurate information from my account regarding XXXX . XXXX has sent a letter confirming that it has requested the account to be deleted from my credit report however ; Exquifax refuses to conduct a proper dispute. Letter is attached from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I was being charge with fees from an Appt complex when I moved out. So I filed a complaint with the, " XXXX XXXX XXXX ''. After the review, the XXXX rule in my favor. During the XXXX review, I paid the collection company, because I was getting threatening letters and was being harassed daily. XXXX I receive the letter that XXXX ruled in my favor, I sent out disputes to all XXXX credit reporting agencies, the collection agency the Appartment company and requested the money back that I paid and disputed the XXXX check was sent to me in XXXX 2014 from the apartment company refunding me the money that I had paid. As of today this derogortory information has not been removed from my credit report. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax has to be one of the worst, incompetent, lazy, lying companies on the face of the earth! I have been trying for almost a year now to clear up some obvious mistakes that they have made on my credit report and despite clear evidence of their errors they are refusing to do anything other than give me a hard time. There is an account with XXXX that needs to be removed because I have no idea where this came from and the other XXXX bureaus have removed it so why dont they? This is also the case for the XXXX XXXX accounts, why would Equifax keep them on when XXXX and XXXX have removed them? XXXX has a 30 day late in XX/XX/XXXX that should have been removed by now. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX have been paid so why does it still report? I dont owe them any money so it doesnt make sense that they should continue to harm my score right? XXXX shows a late date in XXXX that should have been removed by now and there are XXXX random collection from XXXX XXXX XXXX that I have no recognition of. XXXX and XXXX have refused all of my requests for validation and I feel that at this point it should be assumed that they have no proof because it has been so long. And to top it all off, Equifax is reporting a UNKNOWN account with no name, no creditor name and absolutely no way for me to get in touch with said company so how am i supposed to even pay them? I dont even think I owe the debt let alone be expected to pay my hard earned money to UNKNOWN!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX XXXX is not allowing me to make a payment to them on a debt listed on my credit report. That is illegal. They must be listed as original creditor. This is very common, maybe most-common with utilities. Any creditor listing a derogatory line item must offer me a means of repayment, to the name, as-shown on my credit. ( and rightfully so, who expects ANYONE to make payments to a random third party ). This line item must be deleted and re-reported with correct collection information This is the final time before I seek legal counsel. Please find attached voice audio, of the listed creditor, DENYING my payment attempt! THAT IS ABSOLUTELY NOT LEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: American Credit Acceptance, LLC
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
In XXXX I went to a so called friend who has a dealership cause i was in need of a car. They used a XXXX XXXX XXXX XXXX as the car to see if i would be able to get financed.The car was not even on the lot and i never seen it. They told me they were just using it to see if it would go through that i could change cars once approved. I was approved and next day they said to come back. They had car there and I didnt want it, they said finance co.wont change to pay for 6 months and i can come back and exchange.I did and then they wanted more.I couldnt do that, i just gave they XXXX.I was mad and upset they lied and was stuck with this car but i paid on it 2 yrs.It was way overpriced!!! XXXX for a XXXX car? I still owed XXXX and i just could do it anymore so I did a volunteer repo. I notified co several times to get car.My landlord had car towed off property.I notified finance co letting them know where car was, the tow company notified them by phone and certified letters and noone came to get car. Now Im being still charged full amount plus interest and late fees. The process was suppose to be they sell car at auction and any money left is what I could be responsible for but that is not what happened. The tow company salvaged the car because finance company never came to get the car. Now I am trying to buy a home and this one thing is stopping me from my dream of home ownership for my family. Please I need help to resolve this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: American Coradius International LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
ACI stated that i will be served with a subpoena to court for XXXX charges of desceptive use of a check, and fraud if i did not pay my debt off in XXXX payment. My balance was not the same as my original loan amount and after a year of on time payments and i restarted another 6 months to pay it off. ACI stated those payments do n't count toward the balance, and i owe XXXX more than my original amount borrowed. How does this work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: National Credit Systems,Inc.
State: TN
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:
I received notification and phone call from National Credit System about a debt said owed to XXXX XXXX, I contact XXXX XXXX in regard to why i was receiving calls from National Credit System. XXXX XXXX XXXX stated that the previous property management showed I owned a debt but they could not locate the owed debt or a file belong to me. I have documentation on final payment and a move out clearance letter from XXXX XXXX that no balance are owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company is a fraudulent third party debt collector attempting to extort money out of me. They claim they are working on behalf of an original client, but the original client had already been sued, lost in court and had to pay out money for fraudulently placing the same debt on my credit report. And that means NATIONAL CREDIT SYSTEM is into buying and selling fraudulent accounts in hopes of financial gain. What do they think is the next step for them?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: Horizon Debt Group, LLC
State: DC
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
After speaking with the handler of my student loans and with the Department of Education, I was told that the XXXX XXXX XXXX XXXX XXXX Horizon Debt Group, LLC was not a recognized contractor of the Department of Education. 

On XXXX XXXX, I was contacted by XXXX XXXX, a representative from XXXX XXXX XXXX XXXX XXXX Horizon Debt Group LLC, who told me that I was eligible to have my loans reconsolidated and forgiven after a payment towards consolidation of {$900.00} and 36 months of payments of {$40.00} per month, starting in XX/XX/XXXX. On XXXX XXXX, I signed the contact electronically and authorized a payment of {$440.00}. Because I am on XXXX, I was told that my payments would be reduced and the amount I owe would be forgiven. 

However, I am not on XXXX XXXX. I was diagnosed with XXXX and had a XXXX earlier this year, and because of that, I am on long-term XXXX and am unable to work. I am also XXXX and have sustained some XXXX from treatment. 

I then received an email from XXXX, the Department of Education-approved handler of my student loans that my monthly payments were overdue. I called them, and was told they had never heard of this program, nor had they been notified of this. 

Yesterday, XX/XX/XXXX, I spoke with XXXX XXXX of XXXX/Horizon Debt Group, and was told that I needed to send an email to cancel this contract. 

I called XXXX XXXX XXXX to stop payment on the second scheduled payment on XX/XX/XXXX. On XX/XX/XXXX, I called the XXXX Police Department Financial and Cyber Crimes Division and was told that since this was a civil matter, to contact a lawyer. Then I called the Ombudsman Group of the Department of Education to file a report. 

I do not want to put myself at risk of committing fraud and lying to get into a program to forgive my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
My name is XXXX XXXX. I took out a loan from Springleaf in XXXX, IL with good intentions to pay it back, but with an extended stay in the hospital ( 1 month ) I am now in a financial hardship so I am now having a company help me with all my debts ( National Debt Relief ) I got a packet from this company who is helping me and inside this packet is a letter that I can give to all my creditors to stop calling. I signed this letter and mailed it to Springleaf in XXXX, IL on XXXX XXXX, 2015 certified so I know they have it as it was signed for. Since XXXX XXXX, 2015 till today XXXX XXXX, 2015 I have received 31 calls. I have an attorney through XXXX XXXX XXXX but I wanted you to know as well about this company and what its doing. I have ask numerous times to please stop calling me after I wrote the letter but they have verbally threaten me with law suits or cursing me or even insulting me verbally. I really want this to stop!! Thank you so very much

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-14
Company: CASHCALL, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
CashCall is an illegal payday loan. It is being sued in court. I am wondering should i still be repaying my loan if its illegal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Greentree Mortgage Servicing, I originally had my mortgage with G.M.A.C. Greentree took it over and it 's been a nightmare ever since. I get behind and they wo n't accept my payments. Yesterday I tried for several hours and got stonewalled, insulted, treated horribly, they even threatened to liquidate my home out from under me. I also get ripped off by their {$12.00} speedpay to pay over the phone. I attempted to pay {$1100.00} that would be XXXX Mortgage payments and they flatly refused to accept it. Their word was unacceptable. They wanted {$1500.00}. I received a letter from them that stated they would accept that if paid in 30 days. I told them this on the phone and she /they said to bad we want more. I struggled to get that paid within the time allotted. They said they were their to help me which I knew was XXXX. They wanted a loan modification. Being as I 'm not stupid and they would screw me either way I sent a {$1100.00} to their South Dakota address after being told by another XXXX of their lying reps to send it to a XXXX address. I said to him that 's not going to happen and hung up. I sent the check to a post office box with a return receipt requested. The young lady at the post office stated they put a notice in their ( greentrees ) P.O. box and they have to sign for it right there. It cost me {$19.00} to do that. It would have cost {$45.00} to Fed Ex the check overnight. They will now have it on the XXXX which technically is past my 30 days to pay per the letter I received. I tried repeatedly to pay what they requested over the phone on the XXXX and they said too bad. That 's the way it is. The female actually said to me the first one to hang up loses. I put the phone down and walked away. I came back shortly just to find her still on the line. What kind of company are these people. I now threaten them in return. I totally understand why people snap. I want to go to a Greentree Building and do just that. The sleep I 've lost. The stress they have caused me and they do n't care. I 've had enough. Help! XXXX XXXX

Company response to consumer: Closed with explanation