BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-07
Company: USA DISCOUNTERS LTD
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My husband XXXX XXXX XXXX XXXX and I opened a joint account with this company in XXXX for furniture. We purchased a mattress set and a bedroom suite XXXX My husband is civilian DOD and the payments come out of his pay automatically through allotments bi weekly for {$100.00}. We have roughly paid over {$5000.00} on a balance that was supposed to only be a little over {$4000.00}. After two years we have not seen much decrease in the balance so I have called on several occasions to try and get a physical statement mailed to me so that I could see all of the payments and balances over the past two years. We 're going on close to three years for a balance we were told would be paid off in 30 months. The first attempt was inside a store and after arriving I found out the store had closed, so I called the XXXX number listed on our contract. The representative I spoke with refused to give me information on the account because she said I was n't listed on the account any more. Well I found out they rewrote the contract in XXXX after my husband added a jewelry purchase. I was not notified by phone or in writing that the terms of the contract had changed nor was my husband told that day that I would be removed from the contract. He has also attempted to get an itemized statement reflecting all payments and balances and to no avail. Additionally, the full contracted amounts are still being reported on my credit reports as closed accounts even though they unlawfully removed me from the contract. When I call they claim there is no record of me being on the contract prior to them rewriting it.

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 2017-01-20
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
XXXX uses abusive language in the way they attempt to collect a debt. They are very aggressive and intimidating in their manner. They need the money NOW and insist on getting your banking information before they send you written acknowledgement of your arrangement. They have REFUSED to send me a written acknowledgement of our arrangement and they said it was due to an " open complaint ''. I stated that my complaint had nothing to do with our arrangement and that I was entitled to file a complaint every time they were nasty to me and I would continue to do so until they changed therir tactics. I have called repeatedly to resolve this matter and they simply REFUSE because I filed a complaint that I am legally entitled to do. Regardless the issue is their REFUSAL to send me written acknowledgement of our agreement and the AGGRESSIVE MANNER in which they INSIST on attaining my banking information before issuing a written agreement. They are RUDE AND NASTY and someone needs to stop them. They can not force me to give bank information without a written agreement and they can not withhold such agreement as a way to harass me for filing a complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: EQUIFAX, INC.
State: TX
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax 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 items that are reporting on my Credit Reports : Account ; XXXX XXXX Opened XX/XX/XXXX Balance {$400.00} ; Incorrect Addresse ; XXXX XX/XX/XXXXXXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX TX XXXX ; XXXXXX/XX/XXXXXXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX OK XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: EQUIFAX, INC.
State: TX
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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXXEquifax 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 accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$1900.00} Equifax XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX Balance {$2800.00} XXXX : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We have been trying to modify our loan with Wells Fargo for about 3 years. The reason we wanted to modify was because in 2012 I injured myself at work. Due to the injury I lost my employment. Wells Fargo made it almost impossible for us to qualify for a Modification it got so bad that we ( my sister and XXXX ) went to a Law firm. This Law Firm ( Law offices of XXXX XXXX ) essentially just took our money and essentially prolonged the inevitable. We still lost our home to foreclosure. Prior to hiring this phony law firm we almost got scammed to short selling our home through this company called ( California free Legal ). They impersonated my sister on the phone and started the paperwork though Wells Fargo to short sale my home. I found out about this because somehow my other sister was looking at houses and saw our home for sale. We lost a lot of money trying to save our home. What bothers me and seems suspicious is that we had submitted all the paperwork they asked for. We got in touch with the XXXX they helped us communicate with the bank, and helped with filing out all the requested documents. The sale date for my home was for XXXX XXXX. We faxed all documents form the XXXX XXXX office on Friday XXXX, XXXX the people from Wells Fargo said it took 48 hours to complete the review. Tuesday came and they still had n't finished reviewing it. I believe that they were stalling so that the sale of my home could take place.

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 2015-04-17
Company: DISCOVER BANK
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
When Discover is calling, they call either every XXXX min or every XXXX minutes, usually up to XXXX phone calls in less than XXXX minutes. When I answer there is no one there and the phone call is then disconnected on their end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23
Company: Mr. Cooper Group Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Since completion of my XXXX  XXXX Bankruptcy ( ended XX/XX/XXXX ), Nationstar / Mr. Cooper has done the following : Inaccurate credit reporting. 
Credit Reporting Errors.

Inaccurate Payment History. 
Reported incorrectly on credit report and failed to remove the error. 
Failed to report payments to the credit bureau. 
Credit reports pulled without knowledge or authorization, and without reason for doing so. 
Harassing and illegal debt collection and credit reporting campaign designed to pressure the homeowners into paying more than what the mortgage contract allows. 
I have attached XXXX credit report. Page 3 of 9 shows Nationstar reporting history. Page 6 of 9 show the pulling of monthly credit reports without my knowledge. Mr. Cooper was aware that there was a bankruptcy starting on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: EQUIFAX, INC.
State: TX
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Equifax 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 Inquiries that are reporting on my Credit Reports : Inquiries ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: Perfection Collection
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The account was originally in collections with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX. The account was reported as date opened XXXX and first reported on XXXX. I disputed it on XXXX/XXXXXX/XX/XXXX and the collection account was deleted from my credit report followed by a confirmation letter from the credit bureaus dated XXXX/XXXX/XX/XX/XXXX, they are Reporting old debts as new or re-aged. 
I recently noticed the account was added back but now reported by Perfection Collection and illegally reported as account opened in XXXX and first reported XXXX as well as misstating the balance due. I have done numerous disputes to XXXX and they refuse to update it and tell me contact the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-28
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conn 's ( www.conns.com ) a seller of electronics and furniture.. I have an account with them, have NEVER missed a payment, although I have been a day or XXXX late.. as the due date does not always coincide with my payday.. the begin to call INCESSANTLY several times an hour to my cell phone.. interrupting me at work, during dinner..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-26
Company: Seattle Service Bureau, Inc
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have sent repeated copies of my credit card payment in excess of the amount owed. They continue to reply with a statement not showing the payment and not addressing my proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo sent me a letter stating that I have an outstanding water board bill and that if I do n't pay it, they will pay it from my escrow account and then adjust my monthly payment. Problem is I do n't have an outstanding water board account. No one could tell me what a water board account was and I was told it was different from my water bill. When I inquired as to where they got this information, no one was able to give me a straight answer and they gave me the run around. I do n't know what to do.

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 2016-12-08
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card
Issue: Late fee

Complaint:
I I have a Visa cc with WF for over XXXX years. I make payments before the due day to avoid late fee charges. In the XX/XX/XXXX statement I noticed a charge of {$37.00} for a late fee when the payment was received XXXX days prior to the due date. When I called I was given a credit back for the late fee but not for the payment because I was enter as an adjustment. I argued that the XX/XX/XXXX payment went in and why I needed to double pay for XX/XX/XXXX. The customer service representative continue to state I did not pay the account, which I did and before the due date. My grievance is they are not crediting the payment in the correct category so they can continue charging late fee for payment. It is fraudulent and misleading to the customer stating because they label the payment as an adjustment now the consumer must double pay in the next payment creating hardship for the customer and benefiting the XXXX. I would like someone to look into this practice and make individuals aware, I also want my account to be corrected. Thank you in advance for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: CCF Intermediate Holdings LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2022, I checked my spam folder and noticed 2 emails, sent by two different individuals on different days, both stating that a case would be downloaded in a few days that the court house if I didn't pay back money that was owed. It listed options but never once stated the business that the money was owed to. In the emails, an individual is listed as a point of contact as well as other allegations that will be used against me. They are : XXXX XXXX XXXX XXXX HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER I have not reached out as it was in my spam folder, but those are hefty allegations to put against someone without giving them ALL information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Midwest Recovery Systems
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do not owe a balance with XXXX XXXX XXXX XXXX which Midwest Recovery is attempting to collect on behalf of. My son was recently seen as indicated on the receipt and the account is up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Since completion of my Chapter XXXX Bankruptcy ( ended XX/XX/XXXX ), XXXX / XXXX XXXX has done the following : Inaccurate credit reporting. 
Credit Reporting Errors. 
Inaccurate Payment History. 
Reported incorrectly on credit report and failed to remove the error. 
Failed to report payments to the credit bureau. 
Credit reports pulled without knowledge or authorization, and without reason for doing so. 
Harassing and illegal debt collection and credit reporting campaign designed to pressure the homeowners into paying more than what the mortgage contract allows. 
I have attached Transunion credit report. Page 3 of 9 shows XXXX reporting history. Page 6 of 9 show the pulling of monthly credit reports without my knowledge. XXXX XXXX was aware that there was a bankruptcy starting on 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 explanation
Consumer complaint received 2016-05-25
Company: WELLS FARGO & COMPANY
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I mailed XXXX checks to my auto loan bank Wells Fargo. XXXX was for my regular payment and the other was for principal only. The bank applied almost half of the principal only check to payment with interest. When I contacted the bank they said a machine processes the payments. They said They would fix the problem and next time to include a sticky note with my principal only check. My check clearly stated principal only on it and for them to claim robot error, is insulting.

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 2022-04-23
Company: WHEELS FINANCIAL GROUP, LLC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Creditor has not followed IL state regulations. Creditor also continues to report erroneous and inconsistent data on my consumer profile profile. In XXXX of XXXX I took out a title loan with this agencyI fell behind in payments and in XX/XX/XXXX my vehicle was repossessed as collateral to satisfy the loan. At the time of the loan I was not knowledgeable about IL. state law regulates a title loan 's maximum APR at 36 %. My APR with this loan agency was set at 178.61 %. In Addition to this violation all repossessed collateral according to state regulation satisfies the outstanding debt. Once the loan is defaulted No interest is able to accrue after repo. Not only did this company not adhere to state requirements and regulations, but they also have decimated my credit profile with their incorrect and inconsistent reporting. I have attached 2 separate credit reports ; XXXX XXXX the other XX/XX/XXXX as proof that this creditor reports unfactual and inconsistent information. I disputed with the XXXX Bureau who responded that the information reported meets FCRA Guidelines. XXXX Has failed to conduct a full and thorough investigation, which is another violation of my rights. Therefore I will also hold the Credit Bureau accountable for allowing the creditor to furnish them unfactual inconsistent data. 
A HUGE violation of my consumer rights is LoanMart re-aging of debt. Proof of my XX/XX/XXXX credit report shows Date Last Active of XXXX. However, the XX/XX/XXXX report shows Date Last Active XXXX. No payment has been made on this account since XXXX XXXX. LoanMart re-aged the debt by over 2 years! Next, Loan Mart reports in XX/XX/XXXX, that the date of my Last Payment was XXXX But looking at what They reported on my XXXX XXXX report, No Payment at all was reported in XX/XX/XXXX. 
The payment history reported is all inconsistent, and inaccurate. Payment statuses jump around from 60 days late to 180 days late, then back to 60 days late. This is not AT ALL possible. Next, vehicle was repossessed in XXXX but reporting 180 days late for over 2 years, but never closed or charge-off status. Account remains open and Accrues interest. Seeming to be a current open Auto Loan. Monthly payment of XXXX is reported, which affects my debt to income ratio. This Creditor has hurt my ability to obtain new credit with the false information they have continued to report. This is written defamation of character. I will seek damages from both the Creditor and Credit Bureau. I want this account removed from my credit profile immediately and for the creditor to Cease all reporting and collection attempts of this debt they claim I legally owe them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: EQUIFAX, INC.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation