BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-07
Company: CNG FINANCIAL CORPORATION
State: MI
Product: Payday loan
Issue: Can't contact lender

Complaint:
Had a payday loan in 2013 " Check N Go '' in Indiana was a legit company. ( Amount Less than {$300.00} ) Wrote a postdated check that ended up bouncing or not clearing ( Or was drawn on a closed account ). I had lost my job moved back home to XXXX during this time and had closed my Bank account with XXXX. I am still pulling records from when the loan exactly was and when the account was closed. Now this company is coming after me saying their collecting on behalf of them stating that I need to pay {$770.00} this includes restitution. " For intent to Defraud '' Felony. These people managed to call almost my entire family requesting I contact their offices. I have asked to verify the debt but they said there not required to do so since there not a debt collector. They also stated that an arrest will be issued for my arrest as well as me being extradited back to XXXX. 
Facts-They had my full address and SSN, they were able to confirm friends names and phone numbers and employment at the time. They were also able to give me the check number and bank number however he spoke so quickly I could n't verify. 

I have all calls recorded for my record. I also requested to verify my debt the first time they called and they refused saying there not a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
From XX/XX/XXXX through the present time OneMain Financial has continued illegal and abusive attempts to collect debts that they are not legally entitled to collect/receive because of the fact that they have committed common frauds and/or have no current valid agreement of accounts stated to establish a verified debt which entitles them to collect/receive on this alleged liability. Furthermore, this company is not in compliance with the fair credit reporting responsibilities that state and federal laws mandate that they must do when managing consumer accounts. At this time all XXXX Credit Bureaus have inconsistent information that is as a result of OneMain Financials improper actions that it seeks to deliberately obfuscate from the eyes of regulators yet ironically seeks to enforce its own nefarious agendas. OneMain Financial continues to engage in harrasment via email, phone calls and letters denoting legal consequences as though sent by a lawyer/law firm despite knowing that this is illegal and improper. The company has recently reorganized reincorporated itself. New account numbers and transfer of the alleged debt has occurred as of XX/XX/XXXX. This email will serve as a full dispute denial of the entire amount alleged to be owed to OneMain Financial. No new contract has been signed on this account stated to verify the transfer of loan servicing entity and no verification has been received to demonstrate that OneMain Financial or their reincorporated entity is entitled to anything from me. This pertains to all prior information within their possession since a proper chain of custody of accounts stated has not been received by me. Furthermore, the credit bureaus are and have been decieved by OneMain Financial for several years as to the appropriate details pertaining to this alleged liability. Finally, this email is not an acknowledgement of the alleged debt in any way as granted by Federal State and local law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX XXXX was paid and closed in XX/XX/XXXX. This was included in the Chapter XXXX wage earner payment Plan. The loan was paid and closed. This is still being reported as Negative in XX/XX/XXXX. PLEASE DELETE OR CORRECT XXXX  Account is shown as charged off with a past due amount of {$3900.00}. and a late payment. this account was included in Chapter XXXX bankruptcy  XX/XX/XXXX and converted to Chapter XXXX in XX/XX/XXXX and was discharged in XX/XX/XXXX. PLEASE DELETE OR CORRECT XXXX XXXX XXXX is incorrectly statused as past due in excess of 120 days. This account was never late and could not have been late XXXX and XX/XX/XXXX as this was included in chapter XXXX Bankruptcy  XX/XX/XXXX. Converted to Chapter XXXX, XX/XX/XXXX and later Discharged XX/XX/XXXX. PLEASE DELETE OR CORRECT XXXX XXXX XXXX XXXX   opened XX/XX/XXXX. Should not have been reported negative XXXX and XX/XX/XXXX, and XX/XX/XXXX as this was included in Chapter XXXX Bankruptcy XX/XX/XXXX. Converted to Chapter XXXX, XX/XX/XXXX and later Discharged XX/XX/XXXX. PLEASE DELETE OR CORRECT There are 6 enquiries on my report that were not done by me. These were fraudulently done without my permission. Please remove. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-08-09
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 90 days past due as of XX/XX/XXXX 60 days past due as ofXX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXXI am not sure how this happened, I believe that I had made my payments to you when I received my statements. How can you report me late so many times when I have records of paying?

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 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These are not my accounts. Please remove 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 2016-08-26
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2016, we paid our mortgage with Wells Fargo in full. We were not required to maintain an escrow fund, but had done so voluntarily. We made demand for refund of the escrow, but Wells Fargo, although crediting full payment as of XXXX XXXX, did not make a bookkeeping entry showing a 'refund ' until XXXX XXXX. As of this date, XXXX XXXX, we have not yet received our money, over {$4500.00}.

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 2017-02-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I ordered a credit report for {$1.00}. A week later I was reviewing my credit card statement and Experian had charged me {$1.00} and then another charge for {$21.00}. I called and they said that by ordering a credit report that I had agreed to a 7-day free trial of a service from XXXX, a company that I have never heard of. They gave me 7 days to cancel or be charged monthly in perpetuity. Of course, since I did n't have any idea about a free trial I missed the window and they refused to refund my money. This is a TOTAL SCAM. Whatever fine print they had on the website can not stand up in court. I never agreed to nor was I notified. I thought I was doing business with a credit bureau. They slid this in unknowingly and thought they were just going to help themselves to {$21.00} per month forever??? XXXX using the Experian name to disguise themselves as a friend to consumers, only to then hit them with the exact same kind of fraud that Experian seeks to protect against.

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 2016-09-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I took out an auto loan through Wells Fargo on XXXX XXXX XXXX, and on the same day a savings account was opened in my name. I did not open the account nor did I ever request that XXXX be opened. I found out about a week later that the account existed and when I asked why I was told that I needed to maintain it to pay the auto loan. At the time I was in the XXXX and stationed in XXXX XXXX, and I had little experience with auto loans. 

I maintained the additional account as best I could over the years, trying to meet the {$300.00} minimum balance. I do not know how often I was penalized, but I know it was a fair amount, all for an account that I neither needed nor wanted. 

I purchased a home in XXXX and the loan originator sold the mortgage to Wells Fargo. I was contacted by Wells Fargo in XXXX telling me that I had to buy insurance through them for the home. After much of my time spent arguing, I was able to deny the insurance and reported the incident to the XXXX. Never to hear anything out of it. 

I paid the auto loan off in XXXX, at which time Wells Fargo stated I needed to maintain the savings account to pay for the home loan, accruing even more fees for not being able to maintain the {$300.00} account minimum. I paid off the mortgage this year, XXXX, but the mortgage account still remains open for some odd reason. I was finally able to close the savings account once the loan was paid off, which means that I " had '' to maintain an account that was fraudulently opened for 10 years. 

I have names of the people from XXXX that opened the accounts, all account numbers and dates. Since this investigation has been made public I have yet to hear anything from Wells Fargo. I have just recently contacted them to see what they are going to do, and I am currently awaiting their reply.

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 2020-08-10
Company: SYNCHRONY FINANCIAL
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:
I have a loan with SYNCB/WALMART, SYNCB/CARE CREDIT, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, SYNCB/WALMART, SYNCB/CARE CREDIT, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

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 2016-03-21
Company: I.C. System, Inc.
State: CA
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:
Not only is this debt not mine but I have repeatedly tried to contact them to resolve this over the past few months. I even submitted a dispute through XXXX and they reported it as collections and derogatory. The contact information from XXXX and their website does not work. The phone contact sends you through an automated loop and yet they still report to experian as derogatory and collections. I even had experian contact them and they even could not contact them. This company is hurting my credit without any way to resolve it. It is keeping me from being able to fix or better my credit. The company is IC System over 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 2016-03-22
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I have requested my money from HSA Bank ( R ) is a division of Webster Bank, N.A., Member XXXX XXXX and they told me it will take up to 30days for me to get my money. The bank refused to let me speak to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: NY
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:
According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notified the agency, directly or indirectly through a reseller of such dispute, the agency shall, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information or delete the item from the file in accordance with paragraph five before the end of the 30 day. Beginning on the date on which the agency receives the notice of the dispute from the consumer or a reseller. Please see attached file. 

The close dates are different from each bureau. 
The last report date is different from each bureau. 
The payment data is different from each bureau. 

Account XXXX XXXX XXXX XXXX  Account number : 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 2016-05-18
Company: Consolidated Management Group, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received a phone call from a man who had informed me that he was a processor trying to deliver papers that needed to be signed by me because I was being sued. I asked him what was it about and then gave me a phone number ( XXXX ) to find out what it was it in reference to because he did n't know anything cause the documents were in a sealed envelope. And it was important that I contacted the number to find out for myself. I called the number a very rude man answered the phone and told me that I needed to pay a debt for their company in order to stop the process of being sued and going to jail, I got very nervous and tried to find out what it was about but he just kept yelling at me and telling me that I knew and that I deliberately did n't pay a debt and I was getting sued for fraud and going to jail. So, I panicked cause I really did n't know and I gave XXXX ( XXXX ext.XXXX ) my credit card information and paid the {$300.00}. Then XXXX XXXX came on the line to tell me that it was process in five days and if I tried to stop the payment that they would proceed with the process of suing me. I do n't know who this company is. I have n't received any letter or bill in the mail. I do n't even know what debt they were talking about. All of this took place over the phone on XX/XX/XXXX. On XXXX XXXX I received and email from Continental Consumer Services stating that XXXX XXXX was the original creditor. I honestly do n't know who that is. I realized that I was bullied into paying for a debt that I did n't make.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Prosper Marketplace, Inc.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Greetings! 

I applied for a small business loan with Prosper XXXX for {$15000.00} which was approved in XX/XX/2015 with a simple interest rate of 12.59 % per annum for 5 years [ as mentioned in the promissory note ] but my bank account was funded for only {$14000.00} and the APR on the lending statement is showing as 14.89 %. 

To compound my worst fears the interest that I have paid as of the date of this online complaint is {$1600.00} excluding the loan processing fee of over {$700.00} deducted from my checking account in XX/XX/2015 

My several several phone calls to prosper customer service resulted in their staff giving me extremely rude and reckless answers like : " I dont know '' " I dont have that info '' " Are you a religious worker '' " We made most money from your first month 's payments '' " The interest is charged on a daily basis and the APR computed changes every day '' " The interest and fees change from day to day '' When I did the Math from my side the interest and fees paid to Prosper XXXX is way higher than the fixed monthly payments and the fixed interest rate that was assured to me via phone calls during the application process!!! 

I urge the CFPB to investigate this fraudulent loan and all the Prosper XXXX employees involved in this transaction. 

Many Thanks for your time and

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Flagstar Bank, N.A.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was struggling financially and was late on a couple payments in the beginning about a year ago and Flagstar Bank put me on forbearance. I was allegedly approved for loan re set and was told I would be mailed the documents and I needed to have it notarized and signed and sent back within 13 days. For months I calls once and twice a week and always got the run around on why I haven't received the documents. I was told not to make any payments until I signed the loan re set document. On XX/XX/XXXX I received a email saying I needed to sign the documents that were mailed to me for loan re set. I never had documents mailed to me. I get a email XXXX XX/XX/2022 with the documents attached of which now I can not find. Wednesday XX/XX/XXXX I call flagstar yet again and am told that that option is no longer on the table because I never returned the documents. They never sent me the documents. My home is all I have and they have swindled me into forclosure

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 2022-01-06
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: Account status incorrect

Complaint:
XX/XX/XXXX I was diagnosed with XXXX  for the 2nd time, I contacted the company the moment i recovered. Submitted payment of XX/XX/XXXX but posted on XX/XX/XXXX due to XXXX XXXX Holiday.

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 2020-08-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4.  Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6.  Company Name : XXXX XXXX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 11. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 12. Company Name : EXPERIAN BUSINESS CRED Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

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 2020-08-10
Company: EQUIFAX, 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:
I have sent multiple certified letters to the bureaus in regards to a charge off account that is showing on my credit report by the name of XXXX XXXX. According to the Fair Credit Reporting Act as a consumer I am able to request proper validation that proves that this account belongs to me. The bureau has failed to provide me with any physical evidence that shows that the charge off belongs to me, yet the account is still causing harm to my report. The only " proof '' I receive is what I can already see on my credit report which is the charge off amount. No signatures, the original amount, etc. I keep getting a response stating the charge off is valid, with no proof. I have demanded deletion of the account.

Company response to consumer: Closed with explanation