BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-04
Company: RIA FINANCIAL
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/21 I tried to transfer {$1100.00} using my debit card directly my wife 's bank account in the XXXX using XXXX XXXXXXXX XXXX. I think official company registered name is RIA, XXXX XXXX, CA or Continental Money Exchange Solutions, dba XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX At the end of the transaction a message flashed " your bank refused transaction '' and immediately kicked me off the site without proving any receipt or record of the transaction. I immediately went online and checked my bank account. The {$1100.00} debit was already there and processing from " XXXX XXXXXXXX XXXX CA ''. When I signed back in to my account on XXXX, it did not show this transaction. I called the company by number located on line and the representative could not locate it either. The company representative named " XXXX XXXX told to send a picture of the bank transaction and gave me an email address. I did, but the message was rejected as not a good address. 

I called the number included in the bank debit transaction with the same results. I found their " customer care '' site and submitted an inquiry stating all the actions. I received an email response with an Inquiry # XXXX. Indicated I would receive a response in 24 hours or less. NONE received to date. 

I have made multiple other calls and been told many different things, from bank refused my transaction, they do not accept debit cards for XXXX XXXX transfers, can not locate my transaction to they are processing a " reversal ''. The last call today indicated that they found my complaint but could not find any " reversal '' request. 

My bank, XXXX claims they can do nothing as the transaction is still " processing ''. 

In the meantime my wife was without money to go to a doctor and my money is in limbo so can not send by alternate means.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive been filing disputes for months abt this unauthorized fraudulent account. I received an email alert from XXXX credit that said my email and social had been detected on the XXXX XXXX  Later that day I changed most of my passwords due to this being the XXXX time this year this happened. I noticed in my spam there were several emails from loan and credit card companies. I have reason to believe either and old neighbor or relative opened this account without my permission for years. This account was sold to collections which is further damaging my XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I financed a mower over 24 mos@XXXX per month. After about 7 months they raised my monthly note to XXXX. I had put it on auto debit at my credit union for the XXXX, so when I received the monthly note from them, I just disregarded it since I knew it was being paid. I started getting late payment notices and fees around this time and called about them. They waived them twice, but never mentioned that I was n't paying the new minimum. I finally called when it was handed to their collection dept. and that was when I found out that my note had been raised. ( This was yesterday ) They said I had been notified and because they had already waived XXXX late fees, they could n't waive any more, so I am on the hook for $ XXXX+ of late fees. My frustration is that they have n't missed a single payment. The only thing they are out is " late '' fees for my not paying the new minimum payment since XX/XX/2016. I contracted for 24 payments of XXXX and I have held up my end of the contract. They are trying to extort hundreds of dollars of late fees for a trumped up increase of {$0.00} per month. I do n't want my credit rating damaged because of this, but it has been already. Unless you can help, I either pay up or face ruined credit for something I ca n't avoid. I do n't want something for nothing ; I just do n't want to get XXXX by a bank because they think they can. Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-22
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
For the past year of 2016 I have sent several complaints to CFPB concerning the irregularities at Seterus Inc to no avail because CFPB has not, in my opinion, investigated thoroughly Seterus Inc. and put a stop to their abusive manner in keeping their doors open.Seterus Inc has disbursed my County Taxes late incurring a late fee on my account and not taking responsibility for it, so of course, that late fee is coming out of my pocket, not happy with that, it took them 2 months to disburse my home insurance funds, again incurring in penalty fees, and again out of my pocket. 
This being my third complaint this year, and I hope its the charm that will get CFBP on their feet and investigate, because of me being unemployed for the past 9 months, I was awarded a forbearance through Neighborhood Housing, for a period of 6 months, acknowledged by Seterus, per attached, and I am still getting phone calls everyday, receiving correspondence, I am late with the mortgage payment per attached, harassed etc. Is that not illegal? I know for a fact that a provider can not harass by phone nor mail after an agreement has come into place by both parties. How many more complaints against Seterus Inc is it going to take before CFPB puts a stop to the irregular way Seterus does business? XXXX XXXX was discovered and their fraudulent manner of opening bogus accounts by CFPB, why cant the CFPB uncovers the manner they harass and their ability to play with peoples mortgages, putting them at risk of loosing their homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
So I had a huge case of fraud where I had lost my card and opened a claim, XX/XX/2022. Where after losing my card in XXXX, Colorado, I hadnt noticed till my card was in the negatives and declined my card at work. But basically I had lost almost {$3400.00} of my saved money and rent money, then after weeks and weeks they sent me a letter saying they think it was me who did the fraud, then I call and they were being rude to me and not helpful or sincere at all and basically told me off saying it was someone who had had access to my bank before. I dont understand at all, even if a friend had frauded me I dont get why I have to deal with the loss. I dont understand how they didnt notice the fraud at the time and stop it. I am a XXXX XXXX with barely any money and they now suddenly say I owe them {$3300.00}

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 2017-01-19
Company: GREAT LAKES
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have run into them taking extremely long to process IBR paperwork making my loans be in a forbearance status longer therefore collecting more interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: TD BANK US HOLDING COMPANY
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My dad who has used my social security number to apply for credit without my consent. He has also done this to my sister in the past. would like to get the inquiries off of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Around XXXX 2015 I added XXXX authorized user cards to my existing XXXX XXXX credit card accounts. These were not new accounts. They were only additional cards for accounts that already existed. A month later I discovered these XXXX additional cards are listed on my Equifax report as new accounts. I believe Equifax refers to them as " duplicate accounts. '' As a result the available revolving credit reported by Equifax exploded to {$67000.00}. I am seriously concerned that this, along with the fact that XXXX new accounts were added to my credit report, will significantly impact my ability to obtain future credit at favorable terms. 

I have filed a dispute will Equifax to correct this problem. I have called them and have been placed on hold for hours, but Equifax has not corrected their error. I am not sure that the telephone representatives I 've spoken with really understand the issue. It is extremely frustrating for me. 

I appreciate whatever help you can provide in order for me to correct the inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the following items : XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2016-05-11
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I was approved for The XXXX XXXX XXXX Discharge, once approved all inaccurate reporting should have been deleted from my credit file. There remains several that was not updated and removed. Listed below are the accounts that should also be removed. 
XXXX showing XXXX loan with Account Number XXXX reporting 12 missed payments. 
DEPT OF EDUACATION/XXXXshowing XXXX loans Account Number XXXX reporting missed payments. 
XXXX showing XXXX loans with Account Number XXXX reporting missed payments. 
XXXX this account is reporting both open and a collection/charge off which should n't be reporting as both.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: Atlantic Credit & Finance, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Was contacted numerous times last week sometimes back to back from unknown number. When i ask who they were was advise they got my number from my previous supervisor XXXX XXXX they continued to call so i decided to answer. Spoke with a rep name XXXX we entered a payment arrangement even though i told her i was unable to make payments because i am in the active foreclosure process for my home. She was persistent and i wanted to stop the calls so i agreed to the terms but i spoke with my housing counselor and was advise until i reach a agreement with a loan modification i could not add any extra bills so i called today on XX/XX/18 to cancel my agreement with Atlantic credit and finance incorporated where i was verbally abused and she hung up on me because i asked to cancel my payment arrangement i ask for a supervisor and he was not much help either restating that they can not help me in the future i explained over and over i would have to cross that bridge once i am able to pay and they still threatened 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 non-monetary relief
Consumer complaint received 2016-02-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I wrote to XXXX XXXX Bank asking them to provide proof that they own the debt which was not originally there 's. I got no response and it 's been well over 90 days. I asked XXXX and Equifax that they be removed and it was only deleted from XXXX. I would like them removed from all XXXX bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Source Receivables Management LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX claims there was a account opened on XXXX XXXX, 2020, these accusations are false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: ERC
State: TX
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. I moved to an apt complex that did not allow dish on the roofs of building and my apt faced the wrong direction for the dish to work on the patio. XXXX could not furnish the TV service. therefore not my fault. They broke the contract by not being able to provide the service. My bill was paid in full til this happened

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-10-17
Company: Stenger & Stenger, P.C
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I received a letter from Stenger & Stenger, A Professional Corporation in regards to a debt of {$690.00}. The debt do n't belong to me. I am a victim of identity theft. The account is fraudulent and unauthorized. I have been receiving harassing telephone calls and death threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My bank of America account was closed, sometime in 2013. It was my ex 's account and I was on it. Back in 2013, I moved out of the house and was told by Bank of America that BOTH parties had to come into close the account. After moving because of an XXXX, I forwarded my mail, however never received anything telling me the joint account we had was over drafted or being closed. I had already gotten a new account and my ex continued to use the old account. I did n't feel like I had a choice because my ex would not close the account. 

Moving forward, I 've tried to open an account and was denied as of a few weeks ago for a checking and savings account. Bank of America Had reported to XXXX that the account was over drafted and closed as of 2013!. I 've called bank of America telling them what happened, however, they do not care. I paid the over drafted amount in full, even though it was not my fault that the account was over drafted. 

It was XXXX paid in full as soon as I realized that I owed money. I 've asked them to delete this account with XXXX, as bank of america nor XXXX have my right address and this account was not being used by me and I had multiple requests to bank of america to take my name off this account. But bank of america will not send a delete letter to XXXX because they state they are reporting accurate information ( which they are not ).

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 2021-03-19
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern : I was the Managing Partner and CEO of XXXX, XXXX, a small software company located in XXXX, FL from approximately XX/XX/XXXX until XX/XX/XXXX, at which point the company was closed down due to financial problems. From roughly XXXX until the company 's close I was a minority shareholder and owned approximately 15 % of the company. 

Before the company was shut down in XX/XX/XXXX, it borrowed approximately {$130000.00} in the Fall of XXXX from XXXX XXXX XXXX XXXX XXXX XXXX, and the servicer, XXXX XXXX XXXX XXXX XXXX located at XXXX XX/XX/XXXX XXXX XXXX, XXXX Fl New York, NY XXXX. This loan was unsecured. It had NO personal guarantees and even had a clause expressly written into the agreement stating exactly that. When the company was shut down there were no assets left to repay this debt. 

Therefore, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed a lawsuit against myself and my father, XXXX XXXX , who was also a company shareholder, in a New York court in an attempt to collect the debt from us personally. We defended ourselves pro se and the case was dismissed ( based on the fact that we had not personally guaranteed the debt and showed proof of that to the court ). 

This debt has never been determined to be a valid personal debt of ours. However, that did not stop XXXX XXXX from filing a personal debt collection against me with all three of the credit bureaus. This debt has been on my personal credit report as an outstanding and delinquent debt that I personally owe. However, by law, I do not owe this debt personally and I would like it removed from my credit report. It has been negatively impacting my credit score, despite me not being personally responsible for the outstanding amount. 

Rgds, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Pursuant to FCRA I am writing to your company today to advise you of ID Theft resulting in fraudulent accounts/inquiries on my credit, you are required to investigate any negative and/or derogatory listing which I submit a dispute on. When I have notified you of the following information the proper action has not been taken especially with regard to the credit inquires. A proper investigation has yet to take place if this complaint is closed without proper action being taken by your company I will seek legal means to take action against your company through the judicial process. I have attached a police report verifying that I have had numerous accounts that had been opened fraudulently while serving in the XXXX XXXX. There have also been countless inquiries considering the accounts/inquires were opened and or requested without my knowledge or consent FCRA requires them to be removed within 30 days. If this is not done it is punishable {$2500.00} per offense. I will seek the maximum allowed by law if the following accounts/inquires are not removed within 30 days for receipt of this complaint. 
First I want to address the Current Address my current address is and has been for 6 years : XXXX SC XXXX I have never resided at : XXXX SC XXXX I have sent notice to the companies directly and they have been ignored so under FCRA these all need to be removed without further delay. As a credit reporting agency when a company fails to provide PROOF which they are not able to do ( The addresses and phone numbers on these accounts do not match my own or the companies simply will not provide the information ) the accounts must be removed BY THE CREDIT BUREAU under FCRA. The accounts and inquires that need to be removed are as follows : XXXX XXXX Account # : XXXX Condition : Closed Balance : {$4400.00} Type : Credit Card Pay Status : Late 90 Days XXXX XXXX Account # : XXXX Condition : Closed Balance : {$3600.00} Type : Credit Card Pay Status : Late 120 Days XXXX Account # : XXXX Condition : Derogatory Balance : {$0.00} Type : Pay Status : Collection/Chargeoff INQUIRIES : XXXX ATTACHED IS THE POLICE REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loan was originally with Great Lakes. I have been paying on my loans since the mid XXXX. I borrowed around XXXX. My loan was up as high as XXXX for many years. I had paid it down to close to XXXX or so by paying more than the amount required. Suddenly, my loan was sold to Nelnet. The terms changed, and my loan though I am paying more per month, one of my loans is actually going up. I am not significantly impacting principal, but based upon the document they just sent for interest paid for 2020 ( approx 1,400 ) I am not impacting interest either. They are applying my money to future payments, while claiming to charge daily interest. Furthermore, they told me my loans were not eligible for the cares act interest freeze. During the time I have been paying this loan, I was an XXXX XXXX for five years, I served in the United States XXXX in XXXX, I served as a XXXX XXXX for 8 years, and XXXX XXXX for 8 years. I suffer from XXXX and other service connected injuries I sustained as a result of my service. I also suffer from a XXXX. I am currently 90 % service connected, but to get to this point I spiraled down unknowing, but I have never missed a payment. I have more than paid this loan back. I have paid my home loan down faster. This loan boarders on predatory. This is really unfair.

Company response to consumer: Closed with explanation