BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-19
Company: Eastern Account Systems of Connecticut, Inc.
State: SC
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:
Eastern account systems account # XXXX Did n't provide adequate verification for debt. In question no documents were provided showing a contract or signature!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have been trying to work out my mortgage with select portfolio servicing for over 8 years now they refuse to give me an accurate accounting on my loan balace, they have refused to abide by the settlement they made with the federal goverment on the loan modification they were required to offer me. A princpal reduction, reduced payments and a at market interest rate. They now have told me my mortgage is discharged and there is only a lien on my property. I have proof of {$42000.00} paid to them which I am attaching. They allowed my home to go through a tax forclosure sale that i had to reedeem. I have attached proof. I have attached proof they ordered my locks changed on my home while i was in bankruptcy and under bankruptcy protection. As of 2 weeks ago the contacted my attorney with XXXX offers on my mortgage XXXX at {$130000.00} at 7.78 % interest with approximately {$100000.00} in princpal reduction the other option {$130000.00} at 3 % interest for 30 years with a {$140000.00} ballon payment at the end of thirty years. This is just bizarre I recived a call from one of there agents and was told i did not qualify for the goverment settlement that it expired and this was the best I could do. I told them that was not true and i was was being lied to again. There continued harrassement is effecting my life and health. This company continues to harass me and will not provide me or my attorney with answers. I dont no where i stand what is going on with my home. I want the lein on my home discharged or a proper mortgage with with credit for all payments made at a proper interest rate with all there phoney fees removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: Financial Filing & Reporting, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Received a phone call at XXXX claiming that this XXXX XXXX was trying to reach out about a lawsuit that was attached to the social security number and that action needed to be taken asap. I googled the phone number that was on Caller ID and it is not registered to the place XXXX was claiming she was calling from. XXXX claimed she was calling from GLC Associates but when I searched the company their website said they were a work safety consulting company. I searched the XXXX number and a GCL Financial Group came up with a lot of consumer complaints. I also searched the XXXX for GLC Financial groups where consumers complained of this company being a scam and taking money.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: AFNI INC.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
the debt collector called me last 2 months ago in paying off my account. and i already make the payment. but they did n't close the account and now i recieved collection payment from different company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: SC
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 convergent 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-01-27
Company: Avadyne Health Holdings, Inc
State: IA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent a notice to verify these debts in accordance with 15 USC 1692g. The original dispute letter detailed the type of verification requested. 

In response they only sent a computer generated print-out of the amounts they claimed are due, which may or may not be accurate. Addresses, phone numbers and dates of services rendered with the original creditors were not furnished. They did not provide me with any documentation showing I agreed to pay the original creditor or a bill showing services rendered. Furthermore, they have failed to provide any proof of an executed credit contract proving my liability on the amounts claimed in this summary.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06
Company: Nationwide Biweekly Administration, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had Nationwide Biweekly Administration, Inc. deduct XXXX of my mortgage and escrow fees every other week for years and Was led to believe the extra 2 weeks worth of payments would go 100 % to the principal. I just received a letter from them stating if my mortgage was due on XXXX XXXX, 2015 that they would pay my mortgage directly. And that if there are any funds remaining in trust for me they would be returned to my account or mailed by check to me. I am very worried as to whether they will be paying my XXXX mortgage payment as it is usually paid by the XXXX of the month. It is now XXXX XXXX and I am getting more concerned by the day. 
I wrote XXXX emails to the company to XXXXXXXXXXXX and have gotten no reply. When I call their number I get word for word the exact spiel that is in the letter they sent XXXX XXXX. What further steps can I take? 
I was Never told that there was a processing fee upfront or a fee associated with this every 2 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: AFNI INC.
State: LA
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:
An AFNI creditor is now on my credit report stating that I owe them a balance and they are not the original debtor

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: BANK OF THE WEST
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a XXXX XXXX XXXX check into my Bank of the West checking account on XXXX XXXX. I deposited the check so my Bank of the West mortgage would be paid on XXXX XXXX. The funds were in XXXX XXXX XXXX, but because this was a mobile deposit made with an XXXX, Bank of the West did not credit the deposit until XXXX XXXX. I did not learn of the delay until XXXX XXXX, and never even considered the possibility of such a long delay because all previous delays for mobile deposits had been around 3 days. So, my mortgage payment was late and Bank of the West charged me a {$35.00} " insufficient funds '' fee. When I called to complain Bank of the West reversed the {$35.00} fee, but the late payment to my mortgage is still recorded. Bank of the West told me that with mobile deposits they have the right to delay the funds for up to 10 days. That time period is wildly unreasonable. The longest lawful delay I could find for deposit times listed on the Federal Reserve website was 5 days. A ten day delay is outrageous, it is a loophole in the law and the CFPB really needs to work to see that this scam is outlawed. Please! My primary bank is XXXX XXXX XXXX and I only use the Bank of the West account for my mortgage payment. I believe Bank of the West is trying to push me into using more of their services, such as overdraft protection, by delaying as long as possible my funds transfers from 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 2016-06-29
Company: AFNI INC.
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:
I pulled my credit report to find that a collection from AFNI was on my report to collect money for XXXX ( Collection ( Account Number # XXXX ) ( Amount Owed {$590.00} ). I contacted the AFNI office using the contact number from my credit report. I was told that the bill belongs to my husband and that I was responsible for this bill. I told them that I have not received any mail with my name and information asking me to pay. I had no idea that my husband owes this amount and after speaking with my husband he too had no idea. I am asking that this item be removed from my credit and that my husband be properly notified so the bill can be paid if it belongs to him. AFNI did not follow FDCPA laws which prohibits unfair and deceptive practices to collect. My husband XXXX XXXX is a man of integrity and would be happy to address this issue. I am seeking resolution for this mix up and request that this item be removed from my credit file ASAP .Thank you for your time it is greatly appreciated. 

XXXX XXXX Cell XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company did not mail me a statement for the month of XXXX ( payment due XXXX 2016 ). I tried to make a payment at their online website and successfully registered my account. When i tried to log on their system would not allow access to my account ( even though I had successfully registered ). I called and was told i needed a reset password. So i was provided one by their rep. But i still could not log on so I called back. Another rep informed me that i could not access the online website due to my Bankruptcy. I told her I had not received my statement and that I needed to make a payment. She said they would not be mailing me anymore monthly statements and that I could not make a payment online due to the bankruptcy. i asked her why not and that I needed to make a payment and she said it was due to my filing Bankruptcy. I asked her why and all she kept repeating was that it was due to Bankruptcy. I asked how can i make payment and she finally said she could accept payment over the phone. I agreed as long as no further charges are assessed for making the payment over the phone. And she said she could send me a coupon book which I agreed to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
They sent me an offer for a card I couldnt get because they said I already had a card issued from the same family of cards and couldnt qualify for it until 90 days after the first card was issued. But by then the offer will expire. False misleading fraudulent offer. If they ran a hard inquiry that hurts my credit. The person I talked to would not give me any straight answers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian continuously report an address that Im not associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va, XXXX or any variation of this address please adhere to my extended fraud alert I have never been associated with this address

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 2017-04-03
Company: MARINER FINANCE, LLC
State: FL
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:
I am requesting the removal of this debt collection. I have never done business with this company. I take my credit very serious. I have asked for information to be proved for me for account. I have n't receive anything. I do n't think it fair they will rather report inaccurate information and not verify the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: SC
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Capital One Credit Card Balance {$9600.00} Last Reported XX/XX/2022 Closed on XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Contacted company several times. Still reporting negative information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX Balance : {$930.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$28000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: General Motors Financial Company, Inc.
State: OH
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:
On XX/XX/XXXX I contacted XXXX XXXX because there are 7 hard inquiries on my credit report that I am not familiar with. I asked them to investigate this matter and they did not attempt to do so. Instead they told me to contact these companies the inquiries are based out of and do it myself. The inquiries include XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Americredit and XXXX XXXX. They will all likely not be able to verify my correct information so I was hoping someone could get these inquiries removed from my credit report as soon as possible as it is damaging to my credit. 

My Information is as follows XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, OH XXXX My contact phone is XXXX My Social Security and Birthdate are XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: EQUIFAX, INC.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt was listed for collection by a XXXX XXXX XXXX, XXXX for {$3000.00}. It is from a company called XXXX XXXX XXXX XXXX XXXX. The date of delinquency is listed as XX/XX/XXXX and not reported till XX/XX/XXXX on my Equifax credit Bureau. I disputed this but they refused to remove this from my credit history. 

I NEVER had a loan nor used the services of XXXX XXXX XXXX. I never got one phone call nor letter in the mail. I believe this is a scam on XXXX XXXX XXXX. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I paid for a cab ride with my credit card and Square Inc saved my email and linked it to my credit card. I used my emails years ago paying for a transaction and did not agree for them to store my information and transmit it to different transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions 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: Report provided to employer without your written authorization

Complaint:
Employees in Experian IT services and XXXX iT services are posting wrong information and not removing the paid off XXXX balance paid off account from rent debt automated collections. If I call them and as, they say we keep it and allow it to drop itself after some years. This is completely a scam inside credit Bureau, creating age groups are targeted, especially older generations My credit points showing XXXX in these XXXX and XXXX in XXXX Please look into this matter seriously and remove dead accounts. Pls stop age profiling

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 2022-03-24
Company: Experian Information Solutions Inc.
State: AZ
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX and I am a consumer by the law and my information was misused and now I have some false and no XXXX XXXX accurate accounts on my credit report.

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 2017-05-26
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Wells Fargo for my property at   XXXX   XXXX   XXXX    XXXX ., PA  XXXX . The loan number is  XXXX  and was originated in  XX/XX/XXXX . It is a 15 year mortgage however I opted for an accelerated payment schedule whereby I would pay twice a month. I was told by my mortage broker that this would reduce 4 years off the length of my mortage.
<P/>
I have been paying consistently on this loan and expected that it would be satisfied in  XX/XX/XXXX I made a series of calls to verify and discovered that the loan will not be satisfied until  XX/XX/XXXX .
<P/>
At the time of the loan origination Wells Fargo had a contractual relationship with   XXXX   XXXX   to manage the accelerated payments. I was not aware of this until I called. As far as I was concerned they were one in the same.
<P/>
I have never been given a scheduled for the accelerated payments. I never signed or approved of the schedule. I would not have accepted this if it only saved one year on the length of my mortgage. Paying twice a month was a sacrifice and I would not have done it to save one year on the length of the mortgage.
<P/>
I have issued complaints to both parties
. Wells Fargo does not acknowledge any ownership in this. They believe   XXXX   XXXX    is at fault.   XXXX   XXXX   does not respond to the complaints. Wells Fargo has since severed their contractual relationship with   XXXX   XXXX   which, I believe, is integral to this complaint Both of these parties are clearly in violation of fair lending practices. I am entitled to see the payment schedule that I supposedly approved and neither entity will provide it. <P/> I will continue to file complaints until one or both of these parties provide the information that I am entitled to.
<P/>   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 2017-03-08
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This is XXXX account, XXXX medical bill owed and they reported each bill individually on my credit. It was maliciously reported and likely 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 2023-01-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My checking account was compromised and it was closed because of that and I did have some money in my account at the time.

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