BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-25
Company: Experian Information Solutions Inc.
State: CA
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: Problem with personal statement of dispute

Complaint:
I don't understand why my credit percentage of use is so high. I pay my cards of every month. This is with all credit cy name is spelled wrong. 


My name should be XXXX not 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 2022-08-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It appears that all my mortgage payments have been going towards interest and not reducing my principal. This fraudulent practice has also occurred in the past and was rectified but it is now occurring again for 2022. Wells Fargo Home Mortgage is the financial institution. There has been no reduction in principal for greater than 9 months despite all mortgage payments being paid on time. I no longer have faith in the business practices and honest servicing of my loan with Wells Fargo Home Mortgage.

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 2022-08-15
Company: EQUIFAX, INC.
State: NY
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:
This letter is my FINAL formal complaint that you are reporting inaccurate credit information on my credit report. I have filed complaints thru the Consumer Financial Protection Bureau on XX/XX/21, XX/XX/21 and XX/XX/21. I am very distressed that you come back every time after your investigation that this information was verified. The information I am disputing for the very last time is XXXX XXXX XXXX. The balance owed is incorrect. You are reporting {$5100.00} when the balance is {$4300.00}. I have attached 2 sets of documentation to this complaint for you to review. One of the documentation is taking straight from XXXX  Website under my account. The other documentation is a screenshot showing that you along with the other 2 credit bureaus are each showing inconsistencies. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either you or the reporting creditor 's part. With the proof I'm attaching to this letter, I'm sure you'll agree, you either correct this or it needs to be removed as soon as possible. I am a litigious consumer. This is my 4th and final time asking to correct or remove this inaccurate information, if you return back that the information currently on my credit report is verified and accurate I am filing a lawsuit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I Planned to rent a 1 bedroom in my house and placed an ad in XXXX I got response from the ad and one lady XXXX XXXX XXXX said she is interested in taking the room but she never spoke to me over the phone saying that she is XXXX  all the communications were through email & phone number. 
XXXX XXXX XXXX She said currently she is living in XXXX XXXX , as she got a job in XXXX   she is moving to XXXX  so her company is paying her relocation charges she is gon na send me a check where I can take the rent & rest I can transfer to her account. 
I received a check on my Husband 's name XXXX XXXX XXXX XXXX, for the amount of {$7800.00} he went to Bank of America to cash the check they gave the cash instantly but bank of America banker has not informed us it's a big amount check if there is anything wrong with the check they are gon na take the money from our savings account, check got returned on XX/XX/2020 Bank of America has taken the amount {$7800.00} from my savings account which I have saved for my bad time, With the current scenario going on I would like fraud department to elp me out in this regard to get my money back I have a XXXX years old kid at home with this COVID -19 I'm not sure how I'm going to survive in this scenario I have my house mortgage, I have my car loan I have my car insurance.

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 2016-07-29
Company: IQOR US INC
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
This is/was a ParentPlus student loan for my daughter, apparently in my name, from approx. 2012 & financed through XXXX XXXX. My daughter ended up on academic probation for XXXX semesters, during which we paid interest on the loan. ( I believe this must 've triggered some automated 'loan is in repayment ' mode. ) When she was reinstated, all loans went back into deferment. Allied Interstate called me about this loan once approx. 2 years ago, and I explained the probation/deferment situation. I understood this to be the end of the problem. I heard no more until XXXX of this year, when I got a notice from my employer about garnishment! It 'd been sent to default erroneously, a month before my daughter even graduated! I contacted Allied, & was given different numbers, amounts, and instructions each time- but no one could tell me any of the specifics of the original loan so that I could provide proof of deferment. I finally got it escalated to a manager who was able to tell me the amount of the original loan. Through a great deal of research, my kid was able to find the detailed evidence we needed on her student portal. I faxed this proof in as instructed, 2 1/2 months ago. Despite my sending proof and several follow-up requests, I 've yet to hear back or see my paycheck restored. When I call, they tell me to call the Dept. of Ed. ( When I call DoE, they say talk to Allied! ) Meanwhile, I 'm left without the funds to cover my XXXX, as they are taking out {$600.00} every month. Loan Ref. # 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 2016-09-04
Company: U.S. BANCORP
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This month US Bank started charging a {$5.00} fee to pay my mortgage monthly payment. Up until XX/XX/2016 this fee had previously not been charged. I have received no disclosures or information as to why this fee is now being charged. Also, this is unfair practices to nickle and dime customers just to make payment on their mortgage.

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 2020-03-17
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Starting back at the middle of XXXX I missed my payment with TD Bank due to medical reasons. I kept receiving phone calls from XXXX. When I spoke to the person who answered the phone I did explain to them it was going to be late. I asked if they could please stop calling because even after speaking to someone I still get 3+ calls in the same day. I was told no, as long as I am a month behind and in " their collections '' I will continue to receive phone calls everyday. 

I did tell them I would be making a payment when I could and that at the moment due to XXXX  and other medical obligations that I was not able to do so. Moments ago I received another phone call again. The representative I spoke to said there are no notes in my account and that they have never spoken to me. My phone bill shows a different completely story, and I told them to pull all the calls and listen. She said they don't do that. Harassment from a bank right now is adding massive stress to me and something I don't want to be pestered about multiple times a day. 

I have asked for supervisors or managers and I am always told there are no management types in the building. Last night on the way home from XXXX, I received a phone call at XXXX from them. When I told them I would be filing complaints nobody seems to care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-21
Company: Stellar Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I Do n't Know Who I Owe & If It 's Me That Owes ... Need To Know More About The Debt.. Who To Contact & If Information Is Right Who & Where Do I Send Money Too??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
US Bank has frozen my accounts ( XXXX ), beginning from on or about XXXX XXXX, 2016 to present without providing any cause of their action. I have received no written documents or phone calls from US Bank representatives giving reasons for freezing my accounts. I have visited branches I do business with on several occasions in the XXXX area and they are not able to give me any justification or even the responsible party that locked me out of my accounts. To date there has been no attempt on the part of US Bank to contact me regarding why these accounts have been frozen. I am a single XXXX XXXX veteran with XXXX who face extreme financial problems if this matter continues further with US Bank.

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 2018-05-30
Company: Selene Finance LP
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We ( My sister and I : Sister-On Deed/Not On Loan ) were given a payment arrangement, after the company ( Selene Finance ) stopped accepting our monthly payments. 

The POC ( XXXX XXXX-Point of Contact ) willfully made derogatory reports to my sisters credit bureau and stated that she was on the loan ; which she is not, so consequently she was not able to obtain a loan, which is why we are behind due to Selene 's derogatory reporting. 

This is the second attempt with a " Qualified Written Request '' to work with this company, which both times they did not properly respond. 

Selene Finance is liable for RESPA Violations, Fair Credit Reporting Act ( FCRA ) Violations, that have caused illness and stress to my sister ; which we've submitted doctor reports of them being liable for various damages and violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On the date listed below, I submitted the following statement in the form of a letter listed below and Experian failed to Verify-in 30 days the inaccurate information on my credit report. My life has Ben Ruined for years because of this incorrect information cant get a job or receive funding for a business start-up. NO VERIFIABLE PROOF WAS SHOWN XX/XX/2020 Experian Consumer Dispute Center According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed 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 explanation
Consumer complaint received 2022-10-03
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 2017-02-16
Company: Associated Credit Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am in a status identity theft, Then I will send the police report and the FTC report. I want a investigation about this issue, because I am not reponsable for this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: National Principal Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
National Principle Group called stating I borrowed {$300.00} online through XXXX XXXX XXXX on XXXX/XXXX/2013 and that money was deposited to my account on XXXX/XXXX/2013. Having no recollection of this, I called my bank and reviewed my bank statements. According to my bank statements, no such transaction was made. No money was received. Yet this company has my information. They are attempting to collect {$710.00} for an outstanding loan that I never borrowed. I informed the collector that I am disputing the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I took a loan for XXXX paid off the loan of XXXX they wanted me to pay XXXX and I could n't. now I have this " law firm '' calling my place of employment asking them to please not to call me at work. I 'm in an area I ca n't talk personal things. they refuse to listen and continue to call me..

Company response to consumer: Closed
Consumer complaint received 2020-03-17
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I AM CURRENTLY DISPUTING IC SYSTEMS INC IN THE AMOUNT OF {$850.00}, AND ALSO XXXX XXXX XXXX IN THE AMOUNT OF {$980.00}. I SUBMITTED ALL THE CORRECT DOCUMENTS TO SHOW THAT THESES ACCOUNT DON'T BELONG TO ME BUT THEY KEEP REPORTING THESE ACCOUNTS WHICH ISN'T FAIR TO ME.

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 2016-04-18
Company: Cooling & Winter LLC
State: GA
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:
I called to make a payment on an account through a debt collection company that I have been making payments on for the past 2 years. My account was transferred from the original debt collector to XXXX over to XXXX & XXXX in XX/XX/2016. You are not able to make a payment online. You have to mail in your payment or you have to call in. I tried calling on XX/XX/2016, my payment due date, for XXXX hours but could not get through. I called again on Monday XX/XX/2016 when the office was open. XXXX XXXX informed me that my balance was actually {$50.00} higher than my balance. When questioned about that, she sent me to a XXXX. XXXX answered the phone explained there are XXXX screens they look at which yes, do show different amounts, but after making my payment, it would be correct. He took my debit card information, confirmed the information given to him and said he would turn in the form. I requested a confirmation number from him for the payment and he stated that he did not have to give me XXXX. They would run the payment and it would be processed in XXXX to XXXX hours. I stated that they only had permission for a XXXX time {$50.00} payment and I wanted confirmation to this. He again stated he did not have to give me a confirmation number because they had changed their practices. I told him that was not acceptable because anyone could have my information or run my debit card number multiple times. He told me I could then mail my payment in and he was tearing up the form he filled out. I explained that I made a payment to this same company in XX/XX/XXXX and I had an immediate confirmation number given to me. He said again, things had changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
For over 6 years we have been making payments double the amount Chase Bank said would pay off the credit card in 2 years. Approximately {$34000.00} has been remitted Calling Chase they would not tell us where the additional principle payments were used.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My loan was taken out XX/XX/XXXX with the first payment of {$230.00} due on XX/XX/XXXX. On XX/XX/XXXX I made a payment. Pleased that so much more went to principal over interest, I was committed to paying my loan early.
Then, One Main closed my initial account and opened a new account with the same info. I 'm not sure why, I never received any communication on this. I now have two accounts from One Main on my credit report. At any rate, my statement date changed. I did not have an amount due when I made a payment on XX/XX/XXXX. I made a payment of {$250.00} figuring I could pay down faster.
On XX/XX/XXXX a statement cut and showed {$0.00} due. This seemed fine because I had just made a payment on XX/XX/XXXX.
On XX/XX/XXXX a statement cut and showed {$210.00} due. I made a payment on XX/XX/XXXX.
On XX/XX/XXXX a statement cut and showed {$230.00} due, with no reduction in principal balance. This is when I called One Main.
They are saying since I did n't make a payment in the month of March, the entire {$210.00} PLUS {$20.00} from my May payment all went to interest.
They keep saying I did n't make a payment but this is not true. So far, I 've had 4 payment due on the loan ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). So far I have made 4 payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A debt regarding an emergency room visit for my minor daughter. The debt collector is a third party collector and is not certified in medical billing and insurance. I have no knowledge of the original hospital attempting to collect this debt. All information in this complaint about the debt and company attempting to collect it was provided by XXXX and XXXX via phone. 

Sequence of XXXX called me on XXXX/XXXX/2015 at XXXX XXXX CST using the number XXXX. I informed her that I was disputing this debt. I requested the mailing address for certified mail disputes. She refused to give me the mailing address for dispute resolution until I asked her XXXX times. She stated [ my daughter 's ] insurance company was XXXX XXXX. I informed her that [ my daughter 's ] insurance company is XXXX and that XXXX XXXX is her doctor 's clinic. She then requested [ my daughter 's ] insurance information. I refused to give it to her. She then hung up on me. I was unable to obtain the account number or other information regarding the debt. 

I then called the number XXXX back at XXXX XXXX CST and spoke with XXXX. She gave me the account number and confirmed the address stating that it was a payment center address. I asked if it was for disputes, and she confirmed that I should send the dispute there. I informed her that I was disputing my debt. She then stated she would mark my account " as refusing to pay ''. I informed her that I was not refusing to pay that I was disputing my debt via certified mail, at which point she hung up on me. I was unable to obtain further information on the debt. 

A certified letter of dispute and cease and desist has been mailed to the address provided by XXXX.

Company response to consumer: Closed with explanation