BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-14
Company: U.S. BANCORP
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I recently learned of two judgement 's against me that I was unaware of. To my knowledge I did not receive a subpoena from this company or anyone on their behalf. I do not know how they could win a judgement when I was not given an opportunity to defend myself. I have many questions, including - proof of the debt -proof of the age of debt, etc. The company is XXXX XXXX XXXX. 

Thank you for your assistance in this regard.

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 2019-08-07
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 have tried to handle this with the bureau.They have ignored my concern and have continued to report inaccurate information that stems from identity theft. I have submitted a police report and theft affidavit but they have ignored them and have yet to remove the fraudulent information. 

They need to follow the guidelines of the FCRA 605 section and immediately remove all of the fraudulent activity.

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 2021-11-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We were offered to participate and utilize the COVID 19 forbearance payment relief. We had to utilize this program and now we are ready to resume payments and even sell our home due to the other financial hardships we have encountered. We contact Wells Fargo to see how much our balance is so we can proceed with a offer to buy our home. What we find out is astonishing and shocking ... ... .so the payments were deferred under the program and now we have a second loan amount that is equal to the payments that were deferred added to our loan payoff. But it gets better ... ... now they want to add this additional loan so we can pay back our missed payment ... .but the balance of our loan is actually higher than it was when we originally bought our home in XXXX of XXXX. The banks just don't lose huh??? It is like they figured out a loop to make sure that despite the US Governments attempt to help out citizens during this pandemic, IT WON'T COST THE BANKS A DIME. THEY WILL GET THEIRS!! We owe more than the original balance before a single payment was made?!?!?!?! The person at Wells Fargo said we had options to foreclose, short sell, pay in full all deferred payments, or make a payment and the second loan would be automatically added and set up. It would have been better for us to just deny any recovery of our mortgage ... ..then quickly list it and sell it. Our home has an offer on it and it has been on the market for 11 days. This option they did to us cost us over {$33000.00} and now we are not only financially impacted hugely by this ... .but we now find ourselves in a position of having a balance on our mortgage... in XXXX of XXXX ... .. with a higher balance that when we originally got the loan in XXXX of XXXX. HELP PLEASE!!!! 

PLEASE EXPLAIN HOW THIS HELPED AMERICAN CITIZENS??????

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 2017-06-12
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XX/XX/XXXX   my kid was prompted to make an application at  Amazon.com fo r the Chase Ban k Amazon Rewards Visa Signature Card, p romising {$50.00} off a current  Amazon order if they did so. ( purchases for   XXXX   XXXX   XXXX   gifts ) (  I have excellent credit and should b e zero issu es. ) I made the application under my name but we did n't get the credit discount on the order. I opted to pay for the order using my existing credit card and immediately thereafter moved to chat with  Amazon ask ing to cancel the credit card application entirely. They said they could n't do it and I needed to call Chase bank at  XXXX . I called them today and  two le vels of reps could n't let me cancel the application ( which they said was still 'pending ' ) and a higher-up supervisor was n't available. I since discovered if the card goes through it will automatically be added to my Amazon account as a payment method. I do n't want to have to fix all of this. I want the application stopped, deleted immediately. I want no record of the app on my credit and I do not want the card at a ll. Chase rep   says they ca n't do that. I say they can. They keep having me enter my SS # on an unsecure phoneline even to get to speak to a representative. Who then, again, asks for my SS #. I am sure none of that is secure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Around XX/XX/XXXX I started dating a person who totally took advantage of me, only got close to me to have access to all my personal belongings and information etcetera etcetera. 
First incident occured wen he misled me n took about XXXX cash from me to use to purchase a car from his friend that works at a tow yard, he bought a car but never gave me access, and tries to make me believe a story that's different from what was originally agreed upon, so meanwhile had no access to car, less funds he brakes my phone, making it impossible for me to access financial information like 2 step verification to access these accounts, I then forgot my broken phone in his car, which I let him know I need in order to answer a verification code call that I can answer n press whatever numeric key they asking me to press, if I'm able to guess the position of the keys on my backed out cracked screen, anyway he then I'm guessing took it in to his own XXXX to log in from dif dev, wait for verification call, n successfully using the info I gave him regarding accessing phone with broken screen, so then wen I finally got a replacement device I noticed XXXX XXXX dollars missing as well as some uathoeized transactiona, I confronted him about it he totally denied it, but that was red flag number 1, then he stole a truck I bought off of my friend that I was hiding in garage for that specific reason, then truck was gone he was gone n in the middle of it all an acquaintance stopped by, I was in the midst of looking for a vehicle since I had just received a check from insurance for a car accident that occured back in XX/XX/XXXX, I then found a car, n wasn't able to withdraw all funds at once so I let an acquaintance play with my phone as he seems to be genuinely interested in helping me find a solution, but Instead he send over funds to his cash app I demanded my funds back n asked him why he did that n said he didn't know how to read or write n that it was an accident, didn't get funds back tried reaching out to cash app XXXX XXXX n denied my claim for both disputes of unsthotized fraudulent activity going on during those really hard times

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Innovis
State: IN
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:
XXXX  MUST NOW CEASE AND DESIST REORTING ANY AND ALL CREDIT INFO FOR CREDIT FURNISHERS ALL OTHERS AS STATED IN THE : F.C.R.A. 15 USC 1681A ( g ). ( see   XXXX    letter )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My name is XXXX XXXX. I am a long time banking customer with Wells Fargo. In XX/XX/XXXX my checking was compromised. I was unaware of the events and was notified but the bank via email and text message. Wells Fargo sent me a temporary debit card, deactivated my original debit card and resent me a new permanent debit card a few weeks later. In the meantime, I was advised to contact their fraud department and file a complaint. In early XX/XX/XXXX, I received a letter from Wells Fargo Investigation Department, indicating they made a decision and allowed the charges to go thru because it was determined that I either authorized the charges or I knew the persons involved. These erroneous charges were made in XXXX and when I researched the bogus company, it is apparent the company is a fraudulent entity. When the charges were made, I was in XXXX XXXX, CA for the holidays. I appealed immediately after their decision form the XXXX dollars charges and reopened the case in XX/XX/XXXX. Wells Fargo admitted the charges were fraudulent in nature, hence the reason for them shutting down my account. Nevertheless, they turned around, authorized the charges, and now they are insisting it was my fault and win my permissions. They are giving me the run around, still insisting the charges were authorized by myself, the account owner. I am attaching two letters I received this month, now stating they are doing further review. It is simply a stall tactic to avoid refunding me my money. 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 2017-06-12
Company: EQUIFAX, INC.
State: IN
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:
XXXX   MUST NOW CEASE AND DESIST REORTING ANY AND ALL CREDIT INFO FOR CREDIT FURNISHERS ALL OTHERS AS STATED IN TH E : F.C.R.A  . 15 USC 1681A ( g ). ( see  XXXX  letter )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and CAPITALONE with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016 and XX/XX/2016 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been speaking with Transunion for over 5 months now. I have disputed a XXXX  XXXX Bankruptcy that was removed from public records and should have been removed from credit report. Each time I speak with Transunion and dispute it they say it came back verified and accurate through XXXX. I advised them that XXXX sent me a letter showing bankruptcy was not verified and removed. I also sent them a letter from XXXX providing them the information that they requested. I even had them on a 3 -way call with XXXX and the rep confirmed that there was not a bankruptcy through public records and was removed. There was also another account with XXXX XXXX XXXX who was reporting inaccurate information. I spoke with creditor and they advised me that they are not able to change status and that reporting agency would need to remove it. I called Transunion and spoke with them regarding issue. From there they disputed it and came back with verified and accurate which was no accurate. I have given them proof item needed to be removed and has not been updated. They continue to keep information on report that should be removed. This is my last attempt to have them remove the account if not then I will seek legal action.

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 2021-10-30
Company: CreditNinja Lending, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
They are charging me a very high interest rate rate. I am the sole income in my family I called to try Lower the rate because I am having problems but instead the delayed one payment doubled up on the next plus charged me additional fee and interest which caused me more issue and not me more into debt plus the interest rate they are charging me is a predatory rate whos is illegal

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 2020-02-28
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Lender-placed insurance is fraudulent. NewRez LLC sent notice via regular mail dated XX/XX/XXXX ( received on XX/XX/XXXX ) that it would be forcing lender-placed flood insurance on our co-op since we did not have flood insurance. This Notice staed there was a prior communication " last month, '' which was never received. Since I do not own any real property ( this is a cooperative apartment, wherein we own shares of stock in the corporation that owns the building ), we are not required to carry flood insurance as that is covered under the corporation 's policy. HISTORY : Insurance information was supplied previously in XXXX. We received a confirmation dated XX/XX/XXXX that our insurance documentation was complete. We then received the above notice on XX/XX/XXXX ( a non-business day ). I contacted counsel for the building 's managing agent on XX/XX/XXXX and XX/XX/XXXX to obtain the insurance certificate, which was provided to NewRez the same day via online upload and via hard copy from the managing agent ( XXXX XXXX XXXX XXXX ). On XX/XX/XXXX we received a notice dated XX/XX/XXXX stating that a lender-placed policy had been purchased, effect XX/XX/XXXX. This is outrageous. This is clearly an insurance scam. I have all the back. 

Please also note we never applied for a mortgage with this company. Our small mortgage was originally with XXXX, who sold it to XXXX, which went bankrupt and I was forced into dealing with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
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: Credit inquiries on your report that you don't recognize

Complaint:
Creditor : XXXX Inquiry Date : XXXX XXXX Please remove this collection account from my credit report. I have never heard of this company nor have I ever done business with them. 

Creditor : XXXX XXXX Inquiry Date : XXXX XXXX Please remove this account from my credit report. This account is reporting incorrectly. 

Creditor : XXXX XXXX XXXX Inquiry Date : XXXX XXXX Please remove this account from my credit report I am not aware of this Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX Inquiry Date : XXXX XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX Inquiry Date : XX/XX/2022 2022

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 2018-06-01
Company: Experian Information Solutions Inc.
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:
Experian did not send me a result summary to my last dispute that was received by them on XX/XX/2018. Experian is reporting my

XXXX XXXX   credit card as a closed account included in a chapter XXXX   bankruptcy. This account should be closed and in good standing. Experian is reporting my XXXX XXXX secured loan as a closed account included in a chapter XXXX  bankruptcy. This account should be closed in good standings and never late.

Please see attachment for supporting evidence.

Experian is reporting a bankruptcy chapter XXXX in my public records. I have never filed bankruptcy before.

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 2017-06-12
Company: AES/PHEAA
State: GA
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:
My student loans was sold to FedLoan ( unbeknown st to me ). I 'm curren tly in forebearance and will be until  XXXX / XXXX / 17 , howeve r, FedLoan ha ve started reporting that I 'm delinquent as of  XXXX  of this year, after I completed my repayment certification in  XXXX . When I called them to try and get an understanding, the agent I spoke to stated she could n't find a reason why and confirmed my forbearance status and requested that I resubmit my repayment application. I completed it once again in  XXXX , sending in the requested income documents. Shortly after I received an email on  XXXX / XXXX /   17  stating that they received information that my name had changed, my name have n't changed in 7 years! This incorrect information has severely impacted  my credit score and have caused unwanted financial issues. FedLoan is one of the worst companies I have ever done business with and I ca n't wait until I am no longer a client of theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been paying my debt with Gurstel Law Firm XXXX consistently and going by my calculation I have paid more than {$5000.00}. However, whenever I call Gurstel Law Firm XXXX to give me the breakdown of what Im paying off they refuse to do that. I would like to know what Im paying off such as attorney fees court fees, and how much is paid toward the balance. 
I believe Im being charged frivolous charges thus why the company refuses to give me the breakdown of the balance. I have contacted the company for many months and they keep telling me that they can only send me the total balance without the breakdown. 
Attached I the letter they have send to me every time have called but it doesnt help me without knowing the breakdown for fees and changes they are charging me. Please help me regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I continue to get inquires for credit I did not make.

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 2022-09-13
Company: ProCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account was reported on my credit file XX/XX/2022 The amount is XXXX. 
I have disputed this information, and nothing changed from the disputed. This is not my account. 
Procollect INC. is the company.

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 2020-02-28
Company: Northeast Recovery Solutions, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On Friday, XX/XX/2020, someone named XXXX from this company contacted a relative of mine wanting them to send documentation about myself. Never heard of this company and had to do a XXXX search.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-28
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:
THE ACCOUNT LISTED TRANSACTION WAS NOT DONE BY MYSELF. 

PLEASE DELETE 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 non-monetary relief