BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-07
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX, Wells Fargo foreclosed on my house at the above address. I have been trying to buy a house, but Wells Fargo is reporting negatively on my credit. I have called them multiple times, but no one will tell me why Wells Fargo thinks I owe them money. I should not owe on a deficiency because Wells Fargo failed to pursue that course of action within XXXX months of the foreclosure. I do not believe I owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: ResidentCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX I was sent a notice of collection from resident collect, Inc. that I owed XXXX from XXXX which I moved out from on XXXX XXXX 2016. A few days prior to this notice, I received several move out statements from XXXX XXXX with misleading charges. On XXXX form I 'm being charged a higher rate for the replacement of carpet and vinyl flooring. While on a XXXX form it list charges to replace the carpet and vinyl flooring at a combined price for much less. I spoke with XXXX concerning these charges and they say it amounts to the same charges which it does not. I was also charges for the replacement of vinyl for the entire flooring in the kitchen although I only cause minor scratches to a portion of the flooring. I was told that the entire flooring must be replaced. Another section of the vinyl flooring was damaged by water due to the negligence of the apartment maintence by not cleaning out the drains for the washer machine connections. Several maitnence calls were placed to correct the drainage issue as well. In total, I have three different total for the same damage and requested a dispute of these charges. Instead, resident collect reported this incorrect debt to the XXXX credit reporting agencies without acknowledging my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payments on the dates below : 90 days past due as of XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-18
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I have attached my affidavit from the ftc website.

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 2016-03-15
Company: The Thomas Agency, Inc.
State: ME
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
While at college my parents had been collecting my mail. My parents are divorced so my address has changed. Along with the address confusion my mother and father had told me they would pay for the medical bills. I trusted that they would. My father called the agency to ask about the bills in collections and because they would n't speak to him he asked to give them permission. When I called the XXXX Agency I was not let known of the bills that were in collections, I simply asked to give my father permission to speak with them. 
A year later I applied for a educational loan and was denied due to the outstanding bills at the XXXX XXXX. When I found out that I had bills due I instantly called on XXXX XXXX, 2014 and paid the balances in full. 
I was checking my credit and discovered that although they say paid the collections still appear. I called the agency to ask to have this removed as I was not properly given the information regarding the debt and was denied. The women I spoke with was yelling and screaming and was communicating unprofessionally. I then asked to speak with the manager who would n't answer my questions clearly and kept asking if " I was finished. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: VW Credit
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a new Volkswagen on XXXX XXXX, 2015 and financed it through VW Credit. I financed for a long term but knew that I would pay ahead. To date I have made XXXX payments and they are not reflected on their web site. First I was told that the site was unable to show balance due and payments but I could request an email from them for this information. When I told them this was unacceptable and that the information should be available at all times they said it would not be available until I had made XXXX on time payments. I financed my last vehicle through a credit union and this information was available at any time at their web site. Withholding this information is just not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: AC AutoPay LLC, Denver, CO Branch
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I tried to pay my monthly auto payment through my bank. Payment was scheduled for XXXX/XXXX/2015. On XXXX/XXXX/2015 I called AC Autopay inquiring about the payment and was informed that no payment had been received. I called my bank and was told electronic payments are not accepted by AC Autopay, so they sent them a paper check via US MAIL. I stopped payment on the check since no one could verify it 's whereabouts. I then called AC Autopay again on the XXXX. Explained to them that I stopped payment on the missing check so as to please not submit it for payment. I was assured a note would be placed on my account stating the same. My bank told me to wait 24 hours before re-attempting payment as to avoid double payment. I explained to the AC Autopay customer representative the same and since my note was n't due until the XXXX that I still had time. I called AC Autopay back on XXXX/XXXX/2015. Still no record of any check so I proceeded to pay with my XXXX XXXX right then and there. I received my XXXX statement with fees for a returned check. They found and submitted the check to the bank for payment on XXXX/XXXX/2015 and it was tomorrow ejected. Why submit the check if already aware check was cancelled and account was current. And the dates on the statement entries are questionable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Professional Credit Management, Inc
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I notified Professional Credit Management that since this debt is medical, the claim needs to be filed with my insurance ( XXXX and XXXX ). I owe no deductible for this debt as insurance will/has pay/paid in full. PCM appears to be trying to collect from me and from my insurance for a double payout.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: KEYCORP
State: WA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
The number I have on file for my unemployment the number on the debit card does not match the debit card I received in the mail from KeyBank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Chase home finance is the current owner and investor of my mortgage loan. I fell behind on my mortgage payments during a long divorce in XXXX. During this time, the judge informed us that my ex would have all the rights to live in the house and was forced to find housing elsewhere, temporarily. After applying formodification in XXXX one was offered and sent to the subject property without my knowledge and never signed. Later, I found out in court that the modification was denied because it was not signed and returned in time. 

After tis unfortunate turn of events, my income had went up and continued to apply for Loan Modification with Chase. Since this time I have been unable to even get reviewed for loss mitigation options and have been told on numorous occasions that the only option is sale of my home or deed-in-lieu. I have proven without a doubt that my income can handle a new payment, even if it is significantly higher than previous, but have been unable to even apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-25
Company: Aargon Agency, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Was told by hospital that I would only need to pay my co-pay ( {$200.00} ) and that my insurance would pay the balance and/or the hospital would write off the balance in agreement with my insurance company contract - The hospital did not do that and they in fact turned it over illegally to a collection agency who then posted it on my CBR 's!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-03-05
Company: GEMINI CAPITAL GROUP, LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
In 2012 I filed with the court a Notice of Intent to Defend, Response to Admissions, and a Response to Complaint on a Contract with Gemini Capital Group, LLC with XXXX XXXX XXXX as their Attorney. I never received any further communication after my Response to the complaint. My situation still has not changed and has in fact become worse. I have no checking account and own nothing. I am currently on assistance. I received a letter saying that I remain indebted to this company still, for an even larger amount. I feel like this company has already caused me hardship in the past by harassing me about this said debt and I would like them to stop. This supposed debt is from over 7 years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
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 checked my credit report in preparation to buying a home and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. I filed police reports and Identity theft packets as directed by the police and investigators to have these fraudulent accounts removed immediately. No action has been taken to remove these fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In XXXX I opened an account with Suntrust in XXXX, Florida. Two weeks after the account was opened they automatically closed my account and I didnt know the reason why. For the past 6 years I have been trying to open accounts with different banks only for them to close out my account and tell me that Suntrust was the root of my problem. XXXX  XXXX XXXX informed me that Suntrust put an AFX out which give banks a red flag on my name and I didnt understand the reasoning. Over the years Ive been trying to get answers and on XX/XX/XXXX I found out I was a victim of identity fraud. Someone tried to cash false checks on that account. I tried to dispute it with Suntrust and the told me I couldnt because my account is closed. Im very hopeless and not having a bank account or able to get an account has hindered me over the years. If there is any help I can get from this horrific nightmare I would appreciate it. I am a victim and it has really cost me from being able to grow and have things financially and emotionally

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 2015-07-07
Company: Aargon Agency, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Argon credit Collections and XXXX have both told me several times this is not my account and I am not responsible for this accounts that they do not show me as respondib left party. My XXXX year old son is responsible for these that dental work was done on him.neither will remove me saying they do not have any info on me. The dental office tells me they informed argon on XXXX XXXX. NOON ONE WILL REMOVE THESE COLLECTIONS EMBEDDED AFTER TELLING ME THAT THIS WAS A MISTAKE ON THERE PART AND WAS A EMERGEMCY CONTACT NOT A RESPONSIBL PARTY. BUT THEY SAY THEY CAN NOT REMOVE THEM NOW BECAUSE THEY HAVEER NO INFORMATION AND I AM N O T ASSOCIATED WITH THE ACCOUNT. NO ONE WILL REMOVE BOTH OF THESE COLLECTIONS ACCOUNTS THAT THEY SAY ARE NOT MINE PLEASE HELP ME GET THIS MESS CORRECTED. A.S.A.P. I HAVE BEEN TRYING ON MY OWN. FOR OVER A YEAR

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-02-25
Company: TekCollect Inc.
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX properties alleged we did damage to the carpet when we left & immediately turned our names over to a collection agency after we moved out giving us no time. The residence was still in our name when we the repairs were done, XXXX deposits & XXXX insurance to cover property damage were not applied though available to the landlord. We received numerous communications from XXXX Collect asking us for payment after we asked them not to contact us after not verifying the debt within 30 days of initial contact back in XXXX of 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: Aargon Agency, Inc.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX WAS PAID AND SETTLED ACCOUNT IN XXXX, XXXX ACCOUNT XXXX, SOLD DEBT TO AARGON IN XXXX WHERE THEY WENT ONTO CREDIT REPORTS W/O VALIDATING INVALID DEBT. FCRA, FDCPA AND TCPA VIOLATORS.

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 2016-01-02
Company: Aargon Agency, Inc.
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Aargon Collection Agency reported a debt to my credit report without ever contacting me about the debt. The original Creditor is Missouri XXXX and it has been over five years since I have lived in Missouri. This company never sent me verification of the debt or allowed me to dispute it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-11-18
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have had a loan with Santander consumer USA and the purchase price on vehicle was XXXX I have paid on this vehicle over 6 years and still owe XXXX dollars my payment are XXXX I have pod over XXXX and am unable to pay off with interest occurring i believe this is a predatory loan I have had this loan since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have asked experian to fix these hard inquiries but they refuse. The company of XXXX XXXX sent them a letter and I have sent them a copy of the letter stating that this was an error and should only be once and not three times that they ran my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been disputing the same account for about 6 months now and I have not received any results to resolve my issue. 

XXXX XXXX has charged off an account, but there is still a balance being reported. 

If in fact XXXX XXXX has charged off this balance then I would owe nothing, because this account has been charged off. 

I have also disputed this account multiple time and there is no indication that XXXX  has placed a " in disputes '' comment. 

How is this account coming back verified?

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 2016-06-06
Company: TRANSWORLD SYSTEMS INC
State: NV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
my son attended XXXX in wyoming and ended up with XXXX in student loans with XXXX and XXXX from XXXX and XXXX from XXXX .He XXXX in 2014 and applied for jobs with reputable companies and when they asked what education he had and his response was XXXX XXXX they said they could not hire him. I feel they inflated the tuition so he could not qualify for a full federal loan and sent him to genesis who sold the loas to UAS ( university accounting services ) and balboa .we made payments while he was in school but stopped payments when we heard about this scam. He also was contacted be a company called XXXX but i think this may be a scam because he tried calling them and sending emails but they dont ansewr he paid them XXXX. right not i dont know what to do, i got injured at work in 2014 and have been in and out of XXXX since then and am on workers comp and only make XXXX % of what i would normally make please i need help.my email is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting : XXXX {$0.00} XXXXBalance {$14000.00} XXXX XXXX XXXXBalance {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: EQUIFAX, INC.
State: SC
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 have submitted a previous request regarding the public record on my Equifax credit report to please be removed. The tax lien has been satisfied and I 've submitted documents showing this but Equifax is still refusing to remove it from my report saying that it is listed as " released. '' I am trying to get a house for my children and myself and this public record is hindering me from doing so because it 's reporting as *derogatory '' on my report. I have submitted the satisfactory document to the other credit bureaus and they have deleted this from my report with no problem. I am in desperate need to have this deleted from my report and I am in desperate need of a place to stay!

Company response to consumer: Closed with explanation