BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-18
Company: Cooper Hoffman Klein Associates
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
They call me numerous times a day with threatening voicemails about taking me to court and me having to pay court costs, but they have n't sent anything in writing stating why I owe them and for what, how much, etc. They are calling my previous place of business, my home ( which I never give out ) and my cell phone- I get at least 5 calls a day. Please help- if they would mail me validation of debt I would be more inclined to call them, but they have not. All they do is leave threatening voicemails. 

I do n't know who they are ( besides being a debt collector ) and why I owe them. They never stated what account they 're collecting on, and further more, when they call my old place of business they 're leaving a voicemail on someone else 's voicemail- this information should be private. It clearly says someone else 's name when the voicemail comes on- so they should n't be leaving a message with them at all. I have n't worked there in months. It 's humiliating because my previous employer is contacting me again about this. I 've told them to ask them to stop calling, but they clearly ( Cooper-Hoffman ) are not complying as requested.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Wells Fargo Mortgage XXXX. XXXX XXXX XXXX XXXX IA XXXX I have asked numerous times for Wells Fargo to correct this false reporting. 
XXXX of XXXX through XX/XX/XXXX, I entered into a catch-up repayment plan that would keep the reporting up to date. Wells Fargo insisted that they would not report payments late because this is a catch-up plan that is fully sanctioned. I fulfilled my part and paid all as agreed, and then I resumed normal payments. 
These alleged late payments should not have been reported to the CRBs because I had entered into a plan. I ask that this be adjusted and corrected forthwith with all due respect. 
This error is causing hardship and damage to me. Wells Fargo breached their word and commitment. 
Hope you can rectify 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 2020-09-11
Company: M&T BANK CORPORATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
m & t mortgage reports my mortgage as closed ... it is current and open..i opened a dispute with XXXX on XX/XX/XXXX ... I did file a bkXXXX that was discharged in XXXX XXXX.the state of ARIZONA doesn't require a home loan to be reaffirmed .I have proof of all payments being made on time and never late.I want my mortgage to report to my credit as open and current not closed .Please help!

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 2020-11-28
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, DE XXXX By Mail Only their customer service would not help and take care of the negative inquiries reporting to your credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: LoanCare, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I called my mortgage company Loan Care a few days ago and asked if I could defer my monthly mortgage payment for 3 months since I got laid off my job due to Covid-19.  They said no I would have to apply for a forbearance program which would allow me to skip 3 payments but that I would have to pay back in full at the end of the 3 months. I would have to pay 3 months in mortgage payments in full at the end of 3 months! I called back today and asked to speak to a supervisor. I was put on hold for 30 minutes and then another customer service rep came in the phone not a supervisor. I asked again to so speak to a supervisor and was put on hold for another 30 minutes for another supervisor. This person told me that they could only offer the forbearance plan that there were no other options.

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 2022-05-05
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:
I have tired to fix this with the credit bureau, but have not got any where with XXXX, or Transunion, XXXX. I need help Getting through to these guys are like pulling teeth. I have also filed a Police Report Stating the fraud. IN ACCORDANCE WITH THE FAIR CREDIR REPORTER ACT XXXX  THESE ACCOUNTS HAVE VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 8 STATES I HAVE RIGHT TO PRIVACY15 USC 1681 SECTION 604 A SECTION 2. ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCUNTS WITHOUT MY WRITTEN CONSENT. I HAVE BEEN DOING WITH PROBLEM SINCE I WAS A CHILD, IN XXXX MY REAL FATHER WAS USING MY SSN TO GET BUY DIFFERENT THING IN MY NAME BECAUSE I AM A XXXX. PLEASE HELP ME... THE CREDIT BUREAUS ARE NO HELP I EVEN TRIED TO PAY A CREDIT REPAIR COMPANY TO HELP BUT GOT NO WHERE!!!! PLEASE HELP ME GET THE ITEMS REMOVE FROM MY CREDIT REPORTS TRANSUION : Account nameXXXX XXXX  Account numbeXXXX Account nameXXXX XXXX Account numberXXXX Account nameXXXX XXXX XXXX Account XXXX  Account nameXXXX Account XXXX  Account nameXXXX XXXX Account XXXX  Account nameXXXX XXXX Account XXXX  Inquiries XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Finance other than personal XXXX XXXX XXXX XXXX, GAXXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/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 2016-03-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I was lied to by a Citibank representative XX/XX/XXXX. He was pressuring me into signing up for the Citibank Credit Protector program ( which I did not want ), and said I would not be signed up until I had mailed in the signed forms he would send me. Knowing that I had no intention of returning the forms I agreed to let him send them to me, just in order to get off the phone with him. However they enrolled me in the program without me sending in any forms, and they charged me {$130.00} for this program I did not want and did not sign up for. When I found out I had been charged I cancelled the protection program and wrote a letter requesting a refund from Citibank. Citibank would not refund me so I cancelled my credit card. Last summer I read in the news that Citibank has been ordered to refund customers like me who were the victim of deceptive business practices, so I wrote a letter XX/XX/XXXX providing them with my new address and again requesting a refund. No response. I have called twice since then - the first time they told me to call back XX/XX/XXXX. Today I called and after 30 minutes talking to people who could not help, someone in the credit protector program told me she would resubmit my refund request for me, then without getting my new address, she put me on hold and then hung up on me. Although I misplaced my statements/proof of charges, Citibank knows the amount - the representative today quoted me {$130.00} which is correct.

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 monetary relief
Consumer complaint received 2016-09-19
Company: First Associates Loan Servicing LLC
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
My private lender has no information about discharge of debt with their finical institution. They also have no information available loan forgiveness. They have also reported all interaction to all major credit agency. I have paid a few days early on each payment. furthermore I have paid a little bit more than the minim payment each month for the past 3-5 years. 
With the collapse of my educational institution. A few of the student from the private and public sector that went to the college. We have gotten together to find solutions as a borrower. The first was the U.S. Higher Education Act, a law passed XX/XX/XXXX. For example it would be impossible to continue a degree from this institution. Because one they are closed and two they are not accredited. For fifty years this institution had no accreditation with any other education institution. They were known to have take private money funds from veterans ; who earned their degrees between XX/XX/XXXX-XX/XX/XXXX to pay for their own debt though. In XX/XX/XXXX alone XXXX veterans attended itt, according to student veterans of america. XXXX gi bills were planned to be used with the fall registration in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
I currently tried to resolve this problem with credit acceptance. I submitted a FTC report, and file a police report inregared to this auto loan. I requested this loan to be removed off my credit. I didn't open this loan.

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 2020-04-08
Company: WELLS FARGO & COMPANY
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Have a hard inquiry from Wells Fargo on XX/XX/19 which looks like a personal loan on my credit report. This was inquired about fraudulantly, as I never submited this.

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 2020-04-08
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing this due to non-compliance with COMENITY/VICTORIA. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST. 

I strongly believe they are in violation of the FCRA and are refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated and unwanted phone calls. I asked the name of the company & they refused to give it. Caller ID shows " T.C.S. '' XXXX. I was hung up on when I asked, I called back and another person refused to tell me who they ( company ) were. Internet search shows Thunderbird Collections XXXX in Arizona. These fools need a lesson in manners and phone etiquette. Once I stated to not call me, they used my name, referenced other family members and referenced me as being too stupid to understand. They apparently researched my phone number to know me, but continue to call for someone not living here.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have not been able to use a monitoring service with Experian for 2 months. My credit report has not updated since XXXX XXXX, 2016 and I have been in contact with the Executive Management with Experian since XXXX/XXXX/2016. I have made 32 phone calls with regards to this since XXXX/XXXX/2016 and spoken to XXXX different people about this issue and I have not been helped. After several months of contacting the staff members of Experian and not being helped I contacted the corporate office who promised me return phone calls, but they never called me back. After reaching out to the corporate office and not being contacted back I contacted XXXX XXXX the Vice President of Information Services by phone and email and she refused to respond to my phone messages left or emails sent. No one at Experian is concerned with the fact that I as a consumer ca n't access my credit report. 

I was a member of Experian 's XXXX Website that should have allowed me receive updated credit reports and scores on a daily basis, but as of XXXX/XXXX/2016 that service no longer worked. Even the people within the credit monitoring department at Experian ca n't update my credit file, but they have not cared one bit to fix this issue or assist me in any regard and this constitutes a breech of contract since I purchased their service that would allow me to update my credit reports and update my credit score on a daily basis.

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 2022-05-05
Company: Experian Information Solutions Inc.
State: NJ
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.

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 2015-10-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have money unexplainably being deducted from my account without trace of any transactions. My balance simply changes without any withdrawals taking place. Then when I call the bank 's customer service they say that everything adds up and they do n't know how it might have happened. It has happened more than once and the first time they refused to investigate and so did the police claiming I did n't have " physical Proof ''. This time I do have a screenshot of what my balance was just yesterday and without any trace of where the money went, I wake up with {$180.00} less in my account and it keeps happening! XXXX/XXXX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX, WE HAD A FAMILY MEDICAL HARDSHIP, WHEREIN THE COST OF TRAVEL AND ACCOMODATIONS CONSUMED OUR CASH AND OTHER RESOURCES. WE CONTACTED OUR MORTGAGE COMPANY AND INFORMED THEM.WE WERE TOLD BY OCWEN LOAN SERVICING IN XX/XX/XXXX WHEN WE TRIED TO SEND IN PAYMENTS THAT WE SHOULD APPLY TO THE HOME AFFORDABLE MODIFICATION PROGRAM ( HAMP ). WE HAVE SENT NUMEROUS DOCUMENTS OVER THE PAST 4 YEARS. WE HAVE BEEN TOLD NOT TO WORRY BECAUSE THEY SAW THAT WE HAD ENOUGH PENSION AND RETREMENT AND SOCIAL SECURITY INCOME TO MAKE OUR MONTHLY OBLIGATION. WE SENT IN DOCTOR FORMS TO DOCUMENT THE MEDICAL EMERGENCY THAT DRAINED OUR FINANCIAL RESOURCES DURING XX/XX/XXXX -XX/XX/XXXX.RECENTLY WE WERE TOLD THAT OUR MODIFICATION APPLICATION WAS DENIED BECAUSE THE NOTE HAD A MATURITY DATE OF XX/XX/XXXX. WE HAD BEEN IN COMMUNICATION EVERY MONTH FOR THE LAST 4 YEARS. NOW THEY DROP THIS BOMB ABOUT PAYMENT IN FULL OR FORECLOSURE. THE TAX ASSESSED VALUE OF OUR HOME IS {$130000.00} ON A {$60000.00} MORTGAGE THAT THEY HAVE ASSESSED LATE FEES TOTALING {$30000.00}. 
UPON RECENT FACT FINDING SEARCHES, WE HAVE FOUND OUT THAT OCWEN LOAN SERVIVING OF XXXX XXXX XXXX, XXXX WAS UNDER INVESTIGATION BY THE XXXX STATE ATTORNEY GENERAL OFFICE AND WAS ORDERED TO PAY XXXX HOMEOWNERS FOR IMPROPRITIES. 
WE BELIEVE THAT OCWEN HAD NO INTENTIONS TO REFINANCE OR ACT IN GOOD FAITH. THEY LED US TO BELIEVE THATWE HAD NO PROBLEMS AND THAT IT TOOK A CONSIDRABLE AMOUNT OF TIME TO GET REFINANCING TOGETHER. DURING THE 4 YEARS, WE HAVE DEALT WITH XXXX FINANCIAL RESOLUTION MANAGERS, WHO HAVE REQUIRED US TO SEND UPDATED DUPLICATE INFORMATION, WHICH WE DID PROMPTLY. WITH EACH FINANCIAL MANAGER WE WERE LEAD TO BELIEVE THAT WE WERE GETTING CLOSER TO THE MODIFICATION, WHEN THE HOLD TIME THEY WERE DELAYING US.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone fraudulently opened a XXXX of XXXX at Citizens XXXX using my name and SS XXXX. I did not open, know about, nor authorize this account. My information has been made available by hacks to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I received a paper bill in the mail on XX/XX/22 for {$1200.00}. I do not have the full account number because I did not open this account. I called Citizen XXXX and informed them it was fraud. They explained that the account had been entirely handled online- the application and all communication, which is why I did not know about it. I only received a paper bill because the payment was overdue. I filled out an Identity Theft Victim Complaint and Affidavit. I filled out a Police Report with the XXXX Police Department. I registered the fraud with the FTC. However, despite all of that - Citizen XXXX is refusing to acknowledge this account as fraudulent. In fact, they refuse to even close the account so the thief can still use the account. The account was used to purchase " XXXX XXXX XXXX '' at XXXX. I called XXXX and they apparently have information on who perpetrated this crime but it can only be given to law enforcement. I have forwarded that information to my local officer who took my complaint. I have not heard back from the police. Still, after all this, Citizen XXXX has denied my claim of fraud. They have given no reason why they denied my claim. I am not aware of any research or investigation on their part. They have not verified that purchased good were not sent to me. They have not verified that any emails used were not mine. They have not verified that any IP address used was not mine. They asked me for my Driver 's License and copy of mortgage insurance bill for the fraud investigation, which I provided, but they obviously didn't ask any identifying information of the thief who opened this account. To hold me responsible for their mistake is ridiculous.

Company response to consumer: Closed with explanation