BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-04
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am a XXXX year old woman and in XXXX XXXX 2016 I notified XXXX that I wanted to cancel my XXXX XXXX and internet because I could no loner afford it. I was through with the two year contract. I had paid my XX/XX/XXXX bill and I knew that cable companies always billed one ahead. When I contacted them by phone I was transferred three times and finally a young lady kept trying to see if the bill could be lowered and I kept saying I want to cancel.I know they receive a commission when they stop people from canceling.The young lady did not inform me and where I should send the equipment and I looked up on the internet and found that I could take it to XXXX and they would send the equipment back to XXXX. A friend of mine took the equipment to XXXX for me and I do have the receipts. I have received letters from XXXX that they may disconnect my service. The bill at that time stated I owed $XXXX, now they state I owe $XXXX. I have asked for an itemized statement and informed them I contacted them at the XXXX XXXX XXXX 2016 and canceledmy services.They have now turned the account over to two different collection agencies.I do not have that type of money and wish I remembered the young lady I talked with to cancel my account. I know other people have had the same difficulty with XXXX.Thank you for any assistance or resolution to this problem. I also know if I had the money to pay this amount that XXXX does not remove it off the your credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XXXX XXXX, XXXX I received a notice from my credit monitoring service that they detected new activity on one of my financial accounts. 
I looked at their information and saw that it indicated an Account was being opened with Well Fargo. 
Since I had not opened any accounts with Wells Fargo, I immediately contacted Wells Fargo along with my Credit Monitoring service and opened Fraud cases. 
I requested that Wells Fargo freeze and close out all accounts in my name and social security number given I did not have any banking with them. 
I also contacted all 3 credit bureaus and requested my credit to place a fraud alert on my credit and lock my credit. 

Wells Fargo opened Fraud Case Num : XXXX. 

In XXXX XXXX I was surprised to receive a checking account statement from Wells Fargo. 
I called the Wells Fargo Fraud line several times. Their wait times are VERY long... Waited well over an hour one day and had to hang up due to other commitments. I did eventually get back through and talked with a representative. 

I am concerned in that the representative would not share any of the findings from the fraud investigation. The rep. claims that the account has not been closed. I requested written confirmation to be sent to me showing that all accounts in my name and social security number have been closed. 

It concerns me that Wells Fargo did not close the account sooner since I reported the fraud immediately ( XXXX XXXX, XXXX ) and the account was still open end of XXXX, XXXX. 

Am I entitled to learn the findings of their fraud investigation?

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 2022-07-17
Company: CIG FINANCIAL LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Loan Company : CIG Financial I buy XXXX XXXX XXXX on XX/XX/XXXX {$15000.00} on XX/XX/XXXX I got XXXX and I cant work and I am not able to pay my car payment they repossession my car on XX/XX/XXXX XXXX on XXXX XXXX I called them to pay my payment to return my car unfortunately they said sold a car on XXXX XXXX in auction {$6400.00} almost {$10000.00} under the price According to the California Repossession Law : The legal owner or Bank Must give you 15 days written notice before they can sell or otherwise dispose of your vehicle. This notice must be provided within 60 days after repossession .this notice should tell you how to redeem your vehicle and should give you the name and address of the person to contact about payment. 
web Site address : XXXXl According to the law they have to wait 60 days after repossession after sell the car and THEY DIDINT and absolutely ILLEGAL also I don't receive any letter or notice from this company to inform me they want sell the car many many time I explant this company with email XXXX XXXX who responding my email and they dont want to do anything and push me to pay your payment Please help me to remove this issues from my credit reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: SECURITY FINANCE CORP
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Security XXXX calls me every single day and at least 10 's a day. This loan isn't even 30 days late, but more like a week. I consider this harassment. Its ridiculous! And I'm sick of it. I can't do a thing until I get paid.

I really don't like this Company. I wouldn't ever recommend them. If co-vid hadn't hit so hard, I never would have walked through their doors.

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 2017-09-12
Company: EQUIFAX, INC.
State: CA
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:
Equifax was negligent in handling computer security, resulting in theft of my personal data. 

Equifax did not notify me of the breach when they became aware of it ( I had to learn through the media ). 

Equifax has failed to remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
Company: ProCollect, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Procollect Inc. contacted me in XXXX first time to collect a debt that I did not owe. I disputed it throughout credit bureau at that time. The same company tried to collect the same debt that I did not owe XXXX more time before today. And today I got a letter from the same company about the same debt that I did not owe ( XXXX/XXXX/XXXX ). 

The amount is {$360.00} and the creditor is XXXX XXXX XXXX. 
I want them not to contact me about the same debt that I did not owe any more.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
When our loan was bought ( from XXXX ) by Nationstar Mortgage ( in XXXX of 2016 ) it was mistakenly transferred as an Escrow Loan. Somebody must have ticked the wrong box. Our loan was written from the beginning and is a NON Escrow loan. They also said we had a lapse on insurance coverage which we did n't. 

By XXXX of 2016 they were claiming that we owed them XXXX of dollars in Escrow and they started the collections calls. 

We have repeatedly called in conference with our homeowners insurance agent and with our mortgage broker and have provided Nationstar with all the necessary documents : CLOSING DISCLOSURE and INSURANCE CERTIFICATE which clearly show that we do n't owe any money in ESCROW because No 1 ) this was a NON ESCROW loan to begin with AND No 2 ) because we have fully paid our homeowners insurance for the year, PLUS we have FULLY paid our taxes for the year. The collections calls continued. Looks like the collections department, their insurance department and their escrow department not only have different XXXX numbers but they must be on different continents or maybe on a different PLANET!!! Makes you wonder! 

To make a long story LONGER, after 5 conference calls numerous other calls and 3 months that we have been trying to resolve this issue Nationstar Mortgage sent us a letter dated XXXX XXXX with a research reference number, saying that the matter is being investigated. They also assured us over the phone that the matter would be taken care of and that they had all necessary documentation at this point. 

A few days ago we started getting the collections calls again at a regular basis, which in Nationstar fashion means every single hour of every single day, literally! Those calls must be robot generated but the human being at the end of the line if you answer the call, is far from human, as I said, probably planetary and galactic migration is a fact for this Mortgage company. 

I just called them this afternoon again and after 15 minutes with all the preliminary stuff, which is typical, and 20 minutes on hold because the " agent '' aka XXXX aka XXXX, was looking for the loan and then she was looking for the notes and then was verifying everything over and over, and making sure that I know that this call is being monitored and recorded for quality assurance purposes, and this is an attempt to collect a debt, she told me that the RESEARCH REFERENCE number that I gave her ( which was on the letter that they sent me ) was the WRONG number, but that she had found in the notes that " our request was rejected BUT that our claim was PENDING ''!!! WHAAAAATTTT?????? 

Help! Please! Someone? Anyone? 
Nationstar Mortgage SHOULD NOT EXIST AS A COMPANY ... not a mortgage company! As a company at all!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Ive noticed unauthorized inquiries on my TransUnion report and provided this information by letter in USPS mail to the TransUnion dispute department. The letter stated I was aware that according to the FCRA, legally these unverified & unauthorized items MUST be removed but instead they said they DO NOT and WILL NOT remove any inquiries without an FTC Fraud Report. 

I then submitted that to them and they still refuse to remove the inquiries.

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 2017-09-04
Company: Source Receivables Management LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On Thursday XX/XX/XXXX I sent Source Receivables MGMT ( SRM ) a letter to see if their client XXXX is still willing to settle my debt for less than the full amount so that I could paid it off. SRM sent me a letter back dated : XX/XX/XXXX. In that letter they stated they were in receipt of my offer to Settle the XXXX account. That letter stated : Please be advised we are willing to accept your offer to settle for {$500.00} due by XX/XX/XXXX. I withdrew money from my Savings account deposited in my checking and sent them a bill pay on the XX/XX/XXXX. I was able to view the cashed check online. It was posted to SRM 'S account on XX/XX/XXXX. I honored my word by sending in the money to settle before the date it was due. I have a copy of the letter, proof they cashed the check but when it came time to reporting to the agencies they chose not to. So I then Initiated a dispute with XXXX and XXXX. XXXX claimed I owed the full amount per SRM per my first completed dispute report I got back in the mail.. I immediately called up XXXX on XX/XX/XXXX and explained my situation. The rep at XXXX Stated the collection agency is still saying i still owe. I asked her if she got my pdf of my proof of settlement. She said she did. I said based on that letter your reporting is incorrect and you are violating the FCRA. The letter written by SRM to me clearly stated they were excepting my offer to settle. They ca n't circle back and say I still owe a remaining balance. That 's why its called a settlement. So then she said she 'd put in another dispute for me. I told her it should be reported as Account paid in full for less than full balance. Settled.. That same day, XX/XX/XXXX. I sent a fax to SRM which included my letter i wrote them, their reply accepting the settlement amount and lastly a copy of the paid check front and back. On the cover of that fax attn : XXXX XXXX. Per our agreement this account was settle on XXXX. Why is it still being reported as owed/unpaid? XXXX/XXXX were to be updated as paid in full for less than full balance. Settled. I also included my phone number and email address. Needless to say they 've never responded. XXXX ended up fixing the incorrect reporting. However XXXX is still reporting incorrectly. I just got the 2nd dispute back they updated what i paid but are still stating I owe {$580.00} and its past due. That is not right!!! This account is a PAID SETTLEMENT and SRM needs to honor their word and report as such. I have it in writing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-17
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt.

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports.

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had been using a credit card issued by Citi for some time. In XXXX 2017, I received a letter from Citi regarding a past due status on the account. 

I immediately called and learned from the customer service person ( collections department ) that I had been switched to paperless statements approximately 2 months prior. I never received any paperless statements, reminders, email, etc. and, most importantly, did NOT convert my account to paperless billing. I was told by the representative that if I log in to my account it will come up with a default check on the paperless option and " if you do n't catch it '' it will switch you over. 

I requested a copy of my latest statement and immediately paid the past due. 

I object to being charged interest, a late fee, and the reporting of this to credit reporting agencies. I would like to see some evidence that I elected paperless reporting, and I would like to see a regulatory agency look into this practice.

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 2020-06-22
Company: U.S. BANCORP
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
They are stealing from my usbank focus card so i had to cancel first one now they are doing theft against me on the new card I got in the mail. They are torturing me and others and they are XXXX XXXX that i have the cure for. 
XXXX XXXX in XXXX XXXX XXXX - https : 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 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

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 2017-09-12
Company: EQUIFAX, INC.
State: OH
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:
Equifax was grossly negligent in the security of consumer data that they collect without consumer 's consent. It is on them to ensure the security of that data. Unfortunately they do not properly ensure the security of the data and instead are able to profit by providing services to monitor for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
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: Public record information inaccurate

Complaint:
To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

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