BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-07
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
do not think I enjoy or have time to keep filing complaints but much remains unresolved. number one I  do not have as I previously requested the NOI from XX/XX/XXXX. I was sent one from XX/XX/XXXX when forclosure was never filed and I never got that either. Do not make allusions in your answer to the amount of complaints I file. I never have time for the horrible, untimely service you provide. Non specific and evasive. I submit there is none since I received nothing. Do not tell me to contact the law firm. Appropriate legal filings have been filed. Do not send me previous responses as all are not effective. Just like the one you will send here. I want NOI frpom XX/XX/XXXX that was sent to me supposedly that I never got. Its supposed to be sent certified mail. I submit I received nothing.Additionally, I do not understand the property tax explanation in the last response and want to know that what I sent in was applied exactly what is short in terms of what is short if I was current which I realize I am not. do not in your responses as has been done previously send me copies of previous answers this does nothing but annoy or tell me to call the foreclosure mill you are working with. Both are ineffective responses. For the record, while I called the home preservation specialist many times to cooperate with loan modification process and to receive clarity for what is needed. I never heard back. NEVER with messages left XXXX 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 explanation
Consumer complaint received 2017-06-07
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
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:
Obtained a car loan wi th Credit Acceptance Corp  in  XXXX   XXXX . Was involved in a motor vehicle accident in  XXXX   XXXX . Car was totaled. Credit acceptance Corp received check fro m Insurance Company (   XXXX   ).  A few moths later they sent a letter requiring me to pay additional balance ( around {$2500.00}  ). I s aid I would as long as they returned car to me since they had car and also the insurance pay off. They refused to do so. Finally ion  XXXX   XXXX  I gave up and agreed to a settlement. Paid {$1600.00}.  Credit Acceptance  was still reporting me to credit agencies  XXXX   XXXX . I want the late payments removed from my credit reports since it was settled and the reason I was not paying was because I was disputing.

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 2021-02-19
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
These accounts were taken off of my XXXX. I do not understand why they are still verified on my XXXX and my Experian. They were taken off because they were unverifiable and inaccurate. Please remove these account 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 2021-06-11
Company: CBC Companies, Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Factual data XXXXXXXX in Colorado ran my report on all bureaus without my permission. This needs to be cleared from my history and they need to be put out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This was due to the Covid-19 pandemic and loss of income, increased health risks, and complications. This account meets the FCRA requirements. I greatly appreciate your cooperation in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: I.C. System, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 604 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166 A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 




In accordance with the fair credit reporting act I C System # XXXX has violated my rights. 

15 U.S.C 1681 section 604 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166 A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2019-12-05
Company: M&T BANK CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Shortly after opening my account with M & T bank and funding the account they suspended my bank to bank transfer ability. Over the course of 7+ phone calls with three departments spanning more than a month, they continually told me that my account would be suspended 'by the end of today ' or 'by close of business tomorrow ' and they continued to not make good on this promise. Then after 4 weeks, last week ( the week of XX/XX/XXXX ) my bank to bank transfer was suspended and I was able to transfer money in. Right as I tried to transfer money out they refroze my account and are continuing to tell me 'it will be resolved by the end of the week '. They are refusing to let me transfer out thousands of dollars and won't even let me close the account. Their actions have created a large financial strain for me and they have continued to not make good on their promises to unsuspend my account, while letting my transfer funds in and refusing to let any funds be transferred out.

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 monetary relief
Consumer complaint received 2019-12-05
Company: WELLS FARGO & COMPANY
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted several times by XXXX XXXX XXXX. After they called my husband, I contacted them on XX/XX/XXXX. They had told my husband that a sherrif had been sent out the week prior, but we were not home ... this would have been XXXX week, we were here. They said they had sent me a letter, I have not received this, I asked for a validation letter to be emailed to me. I received an email, it did not state how to dispute the claim. The caller told me it was an old credit card debt that had been closed and charged off in XXXX. I told him I would contact the creditor directly XXXX Wells Fargo XXXX, he told me that they no longer hold the debt. He would not tell me who now held the debt. I asked him not to contact me nor my husband again. He told me I would be getting contacted often, and they would be calling my husbands work. After asking for the suite number of his office, he got very rude and after asking several questions trying to determine the validity of his " law group '', he hung up on 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 2017-06-07
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
In XXXX 2016 I renewed my rate reduction program with Navient. The agreed upon amount was {$700.00} to come out of my account automatically in the XXXX of every month ( with the exception of XXXX which would be the XXXX ). The amount has come out of my account as it was supposed to. However, they continue to call me 5-10 times per day and my XXXX year old grandmother. They call and harass and threaten my grandmother telling her I am not on automatic payments and she needs to pay them {$700.00} immediately. My grandmom then thinks she is going to lose her house or something. I call them to ask where the {$700.00} is going every month if it is not going towards my account. I am then placed on hold for an extended amount of time. If they are calling harassing people should n't they know the reason they are calling. After over 30 minutes on hold I am finally told that they can see that I set up the rate reduction in XX/XX/XXXX and that the deductions are in deed coming out of my account, but there was an error with their processing department. I then asked so why are you calling myself and my over XXXX year old grandmother causing her stress if it 's a problem only you can fix. I was told it 's because she is the consigner. I then stated but this is a problem you said only your processing department can fix, so once again why are we even being called. I was told because no one noticed the problem. I would think before they started calling people 5-10 times a day they would know why they were calling them in the first place..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: Americas Car-Mart, Inc.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I purchased a car from Car-Mart . This car loan company has aggressively collected against me since I purchased the vehicle. They have threatened me with going to jail for no payment stating they had a warrant for my arrest during 2020. This company has contacted my employer, and family repeatedly to the point they have had to block Car-Mart. I have been harassed day and night with repeated phone calls and text messages to the point I had to change my phone number recently just to stop the phones calls. They have put tags on my car for balance due that are not related to the actual note for {$25.00}. They use the tracker they put on my car to show up wherever the car parked and at times this occurs on other people property. I am tired of the collection practice of this business, but I owe them money for this vehicle if I return it will affect my credit. But I can not take the harassment anymore. I am not over 30 days late with a payment this car is not the best vehicle either, but I must pay this loan off. I am starting to develop anxiety issues and stress because of how they are conducting business. I pay my note and that is what is required. I am not in a repossession status my car note is current, but I am not paying the late fees on this account because they only give me 3 days to pay of which one is Sunday when they are not even open which makes me late by Monday. I have written emails, to management, and spoke with several representatives about how they are collecting against me. I can not do this anymore I need help. 


Sincerely Concerned

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Eastern Account Systems of Connecticut, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter fr om Eastern Account System of Connecticut , Inc c oncerning a debt of {$980.00} owed to the creditor,  XXXX . After sending a letter  to Eastern Account System of Conn ecticut, I received a letter from them with a picture of a screen shot showing my address for the creditor service in  XXXX , SC. I never lived in  XXXX , SC. If you do a record search, you can see that I only lived in  XXXX , SC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: BB&T CORPORATION
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have had a recurring iss ue with BB & T re versing my online payments the same day that I made them in both  XXXX  and  XXXX . I received notification that my payment was being processed, but no further communication to notify that that payment was reversed on either occasion. I had to re-complete the payments both times, which also resulted in less of my payment being applied to my principal balance. I calle d BB & T  when I realized the second occurrence on  XX/XX/17    and was not given an explanation. The representative tried to tell me first that the  XXXX  issue was due to an upgrade to their system, and then that I had paid  XXXX  on the phone with an account that did not exist. I have made my payments online from the same checking account every month, so the explanation that I had used a different account was absolutely false. The rep did not even try to provide an explanation for the  XXXX  payment being reversed, nor did she provide an explanation for why I was not notified that the payments were reversed. It appears more that the bank is doing this on purpose to squeeze more money in interest out of me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never applied for this account, i didn't receive any benefits. I believe, that somebody used my personal 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 non-monetary relief
Consumer complaint received 2022-03-08
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a XXXX range  in early XX/XX/XXXX using a just openned Lowes/Synchrony credit card. A couple of months went by and as I checked Lowes to regarding the purchase, I discovered that the range I had ordered was not available, thus I cancelled the purchase order. 

In the meantime, I had paid, in-full, the amount charged ( {$1100.00} ) to my Lowes/Synchrony credit card ; I sent a check in that amount dated XX/XX/XXXX. Following my cancelation of the order, I made numerous calls to the many numbers provided by XXXX and Synchrony regarding the refund of my {$1100.00}. 

In XXXX Loewes/Synchrony issued a check to me in the amount of {$950.00} for the appliance. However, when I made this purchase, I included and paid for a Lowe 's 5-year extended warranty. This amount was not broken out in the billing statement I received from Lowes/Synchrony, but appears in the receipt at a price of {$150.00}. I have not received the return of this un-used ( no appliance, no need to warrant ) 5-year extended warrant amount 0f {$150.00}. 

I would appreciate any assistance your can provide in the recovery of the {$150.00}. 

P.S. after having some CFPB problems yesterday ( XX/XX/XXXX ), I called again today to try again for some help. I got your wonderful customer service rep called XXXX ( after XXXXXXXX XXXX former prime minister XXXX XXXX ). The review logged off before I could give him a 5-star review. He was so kind, patient and helpful ; bravo 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 monetary relief
Consumer complaint received 2021-09-25
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: Account information incorrect

Complaint:
TransUnion is Triple reporting one set of XXXX Loans.. I have contacted the Original creditor any they informed that these loans are with a collection agency.. I provided screenshots of said accounts. US DEPARTMENT OF EDUCATION 2 times, US DEPARTMENT EDXXXX, XXXX XXXX XXXX SYSTEM 2 TIMES... THESE ARE THE SAME account that is current closed and with a collector. I have filed two disputes with TransUnion concerning this and they have yet to amend this ... Also I have mentioned that the address below is not mine and they have not removed it in VIOLATION OF THE FCRA. Address XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, FL 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 explanation
Consumer complaint received 2019-12-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never applied for this account, i didn't receive any benefits. I believe, that somebody used my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05
Company: DISCOVER BANK
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Notice of Intent to Sue. CFR violations, FDCPA violations, Criminal violations, trust violations, breach of fiduciary duties, fraud and several other violations against the consumer. Listed in attached documentation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-30
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I would like to report a possible violation of the Fair Credit Billing Act by Discover Bank, with respect to its recent reporting of my account being 30-days past due, despite the fact that the balance, previously XXXX, accrued a balance on the basis of transactions ( and associated fees ) that have now been determined to be fraudulent. 

Subsequent to the identification of this unauthorized activity on XX/XX/2021, the charges and fees have been appropriately credited back to me, leaving the balance again at XXXX ( in the absence of any payments by me over this time ). Therefore, obviously the account would never have been late, if not for the fraudulent use of the card. I have voiced my concerns on this reporting matter several times to Discover specialists, both on XX/XX/2021 and on XX/XX/2021. I have been assured the credit report entry will be correctly re-entered, but as this has not occurred yet, I am concerned as to whether this situation will need to be escalated to achieve the outcome I was promised. 

I see no evidence from my recent review of my credit report, or in discussions with the Company, that this data has been corrected as of yet. The original reporting of this lateness has had a catastrophic impact on my credit score, causing it to immediately crash by 96 points. In these challenging economic times, it can not be overstated the potential impact of this outcome to my finances. As it is based on an inaccuracy, it needs to be corrected immediately by Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Bay Area Receivables, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was notified by XXXX XXXX with Bay Area Receivables , Inc. ( Address : XXXX XXXX XXXX XXXX, XXXX, MD XXXX ) Email : XXXX that I owed a debt from XXXX XXXX XXXX in the amount of {XXXX}. The agency had reported this debt to the collection agencies. 
I stated that this debt was originally sent via XXXX XXXX XX/XX/XXXX via XXXX ( XXXX  ) but was not cashed. A check was resubmitted on XX/XX/XXXX and the check was finally cashed on XX/XX/XXXX. I sent this information via email with the claim details and check number on XX/XX/XXXX. 

On XX/XX/XXXX she claimed to have researched this information and stated the bill was not paid and I owed the balance and fees for collection. 

On XX/XX/XXXX I contacted XXXX XXXX and spoke with " XXXX ''. They handle the billing for XXXX XXXX XXXX. I gave her the claim details and check number. After some research, while I waited on the phone, she stated that she " found '' the check and would notify Bay Area Receivables. 

I again notified Bay Area Receivables. Then on XX/XX/XXXX I sent a copy of the check that had been submitted on XX/XX/XXXX and was cashed on XX/XX/XXXX. They did not notify the credit agencies and then I had to file dispute of claims with all 3 agencies. 
Bay Area Receivables has also not notified me that this was resolved and a correction made. 

I have Proof of Payment from XXXX that shows the cashed check for {XXXX} that was for payment of this claim. 

I also want to be refunded the fee that was charged to my credit card on XX/XX/XXXX for {XXXX} for " transaction fee '' as this was the error of XXXX XXXX, XXXX XXXX XXXX and Bay Area Receivables. 

I have spent hours dealing with this and Bay Area Receivables for a claim that was invalid and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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