BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
So this is my 5th or 6th asking TransUnion to launch a dispute regarding a few negtive items on my credit report. There has been no sense of urgency to resolve the matter. The dispute results are being verifired as accurate, but I have not been provided with ant documentation of accuracy. Which is a violation of my FCRA rights. 

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXk, XXXX. I do not want results as verifired as accurate I want proof ( which you should have ).

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 2016-10-18
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I keep informing the representatives that I can not receive these types of calls at my place of employment, and they continue to call - everyday! It is getting to the point where my ability to stay gainfully employed due to the excessive calls after I have verbally, with no success, requested to stop has XXXX impact on their intention to stop calling. I am reaching the end of my rope because I do not know what to do at this point. What adds insult to injury, I do not owe this debt because I have an active, XXXX account and the tolls ARE being deducted from my account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: ACCESS GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Access Group , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX PA XXXX is calling my fax number XXXX a week and sometimes several times a day via Robo call system. I finally called them they are collecting student debt. I do n't have student loans, i do n't have kids and have not guaranteed anyone. The lady that answered the phone did not even know the address of the building she worked in. After pressuring her she told me. She said she would try to take my Phone number off but did not guarantee it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I Opened a bank account at Wells Fargo on XX/XX/2016. My father and I set up online transfer through Wells Fargo 's SurePay. We used the online transfers so that I was able to pay some of my father 's bills for him. XX/XX/XXXX and XX/XX/XXXX my father began to show signs of mental instability. XX/XX/XXXX my father was going to be homeless and I set aside XXXX dollars aside for housing for him ( XX/XX/2016 ). My father did not want any money set aside for housing and instead wanted to be homeless. The XXXX dollars was returned to my father in the form of a cashiers check dated XX/XX/2016. In the time between the transfer of the funds and the receipt of the cashier 's check my father opened a claim against me. The bank misinterpreted my father 's statements or my father misspoke and all of the online transfers were reversed. This reversal and the fees related to those reversals led to my account being overdrawn by XXXX dollars. Since then I have disputed this claim. I have called numerous times to explain the situation. I have also submitted an itemized list of how all the transferred funds were distributed. I have obtained a signed statement from my father along with a Wells Fargo Branch Manager which clearly states that my father 's intentions were not to bring into question the legitimacy of the online transfers. The statement also states that my father wishes to have the fraud claim withdrawn and wishes to have me cleared of any wrong doing. Wells Fargo 's fraud department has cleared me of fraud stating that I was the victim in this case. My Complaint is that with all of the information presented to Wells Fargo they still will not revisit my claims case. They are demanding that I pay the negative balance and threatening to ruin my credit by sending my negative balance to creditors. They have refused to halt the closing of my account while I have been in dispute with this claims case. I was informed by the claims investigator through an email on XX/XX/2016 that this claim existed. I was later informed that this claim was settled on XX/XX/2016. I was also sent a letter stating that I owed XXXX dollars to Wells Fargo while my bank account showed a negative balance of XXXX. I feel that I was not given a adequate amount of time to share my information. I feel like Wells Fargo was negligent in their investigation and I feel that with the new information I should be cleared of any wrong doing. Thank you for your 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
Consumer complaint received 2015-12-02
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My XXXX year old father sent numerous wire transfers and money orders/money grams to someone he met on the internet. ( both domestic and international fund transfers ) The total amount is approximately {$700000.00} and took place from XX/XX/XXXX-XX/XX/XXXX. My Dad had a XXXX and XXXX, but I found documentation and account numbers and emails and have enough information that this should be traceable. I believe this is an organized crime that my Dad fell victim to. Please help investigate so this doesnt happen to other XXXX citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AZ
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX, 2015 I initiated a bank transfer via Monoygram to someone in XXXX XXXX from XXXX. It was a direct transfer from my bank account at XXXX XXXX to my niece 's bank in XXXX. Moneygram reversed the name and unfortunately my niece 's bank rejected the transfer. I contacted Moneygram and they confirmed that the deposit never took place and promised to credit my XXXX XXXX account for {$100.00}. This happened more than 3 weeks ago and still no credit. I 've called three times and they promise me every time that my credit will appear the following day and as of yet, they have failed to issue a credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Contacted Navy Federal Credit Union on Saturday, XXXX XXXX, 2015 to set up my mortgage payment for XXXX. Received rude, unprofessional and unethical treatment from a Mortgage Collection 's Rep by the name of XXXX. I placed a call to them to set up my payment - half of it was to be scheduled on XXXX XXXX and the remaining portion on XXXX XXXX. Was advised, in a rude and unprofessional manner, by XXXX that I could not set up my payment. I asked if she was trying to force me in default and then she placed me on an excessive hold while she went to discuss my arrangements with a supervisor. When she came back to the phone she said she could set up the payment as I requested and I asked to speak with the Supervisor that she consulted with regarding my situation. She refused to transfer the call, saying he was in a meeting. Ultimately, I was able to schedule my payment but I should n't have to put up with this type of treatment. I should add that I have never made a payment more than 30 days late on the mortgage that has been with Navy Federal for many years now. If additional information is needed, please contact me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: Sequium Asset Solutions, LLC
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:
On XX/XX/XXXX of XXXX, I noticed the presence of an adverse account on my credit report that I viewed from my banking application. According to the account, I owed {$160.00} to Sequium Asset Solutions, a company I had never heard of before. I knew that I did not owe any money to any agency, so I went to dispute the account. My banking application directed me to XXXX  to perform the dispute, but the account was strangely not listed at all on XXXX. I then noticed that the account originated on XXXX and began a dispute on their website. The charge was verified as incorrect and removed from my credit report within a few days time. I had thought that was the end of it until it remained on my credit report on my banking application, though the account was STILL not appearing on XXXX, so I had no way to remove it. 

Finally, on XX/XX/XXXX of XXXX I was able to see this account on my XXXX  report so I could dispute the account. I did so and I received the results of this dispute on the XXXX of XXXX, XXXX only to find that somehow they claimed that the account was correct. 

I am absolutely certain that I owe no money to this company. The only debt that I currently have is my student loans, which I am in the process of paying back, and whatever bill I have for my credit card this month, which I pay in full and on time each month and have never missed a payment. I have never owed any other money to any company and I do not know how this company even received my information. I have seen online that many other people have had this exact same issue with Sequium Asset Solutions claiming they owe money out of the blue, so I know that this is not an isolated incident to just myself. XXXX  has said that the company is somehow linked to cable/charter communications and I do not pay or subscribe to any sort of cable service. 

I would like this account removed from my credit report so I can put this issue behind and not have to worry about the long term consequences of having an adverse account on my credit history, especially when I do not even owe this money. As of right now, XXXX is the ONLY credit reporting agency of the three largest ( The other two being XXXX  and XXXX ) that still insist I owe this fee. That should be indication enough prove that this is a false claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX I got a mortgage through Wells Fargo Home Mortgage, it was an FHA loan, and paid on time every month. In XX/XX/XXXX I received a call from a XXXX XXXX, a loan XXXX for Wells Fargo, stating that because of my excellent payment history I have the opportunity to refinance my loan at a lower interest rate. My payment would not change by much, about {$20.00}, but the interest rate would go down almost XXXX %. Now my interest rate was not that high to begin with but I figured I would take advantage of it. XXXX did I know that they were taking advantage of me. XXXX XXXX XXXX failed to tell me was that in XX/XX/XXXX FHA changed their laws and the PMI would now remain on my loan for the life of the loan. Unlike my original loan in XX/XX/XXXX where my PMI would have come off of my loan after I have a certain amount of equity in the home. He NEVER informed me of this and I did not find out about it until I called in XXXX XXXX to see when the PMI would drop off and the man I spoke to said it wo n't because of this change in FHA laws in XX/XX/XXXX. I was in shock!! I would have NEVER refinanced this loan for not even a XXXX percent drop in my interest rate and no drop in my payment had I known that I would now have to pay the PMI for the life of the loan. That is an extra {$15000.00} in Wells Fargo 's pocket because they just happen to leave that information out when requesting I refinance. I have contacted the company and spoke to a XXXX who proceeded to tell me she understands my frustration but there is nothing she can do. I can not believe that they withheld such an important piece of information for a loan and proceed to tell me they can not do anything about it. I can see why they do n't want to do anything about it since they just screwed me out of an extra {$15000.00} for their pockets.

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 2017-02-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
WELLS FARGO APPROVED MODIFICATION AND ALLOWED ME TO MAKE TRIAL PERIOD PAYMENTS BUT THAN REFUSED TO SEND ME MODIFICATION DOCUMENTS TO SIGN. ALSO CHARGED ME FOR INSPECTION FOR MODIFICATION. ALSO HIRED LAW FIRM FOR FORECLOSURE. I FILED MOTION FOR MEDIATION THRU XXXX XXXX FLORIDA.

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 2016-03-22
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I submitted a complaint XXXX about The NCS inc, they did not send out the notice to me to offer to lower the debt on XXXX/XXXX/16 it was sent around XXXX/XXXX/16 they said that they gave me a dead line of XXXX/XXXX/16 this is false the deadline was XXXX/XXXX/16 and I have the letter to prove it. it is clear that this company do n't mind lying to achieve their goals. They have XXXX complaints about their underhanded tacticts and many more coming daily.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: Penn Credit Corporation
State: MI
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:
PennCredit contacted me about a debt in XX/XX/XXXX. I sent a letter ( attached ) disputing the debt, They never responded in any way. I just received the same letter ( XX/XX/XXXX ) from them about the same 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 2015-06-23
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was working for a XXXX when XXXX declared Bankruptcy. I was under a lease with XXXX and explained the situation to them. I was only a few months in my lease when it happened. The front office of the apartment complex understood my situation and told me they wouldn't try to collect any money from me due to extenuation circumstances.  They never tried to contact me about payment or mail me anything. The only reason I found about about this debt is because I checked my credit online and found it. I did not receive anything in writting nor other communication attempts. I also did not receive notice to dispute this debt.  I moved out of the complex in XX/XX/2009, and the report is dated XX/XX/2009

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan
Issue: Can't contact lender

Complaint:
Hello. My name is XXXX. I took out a payday loan through a company called XXXX. I went through a company called XXXX XXXX to mediate a settlement and they took money out of my account for 7 months and it was to go into an escrow account. Needless to say I paid for services I never received and they are no longer in business. Long story short I took out a loan for {$3400.00} on XXXX/XXXX/13 I mad a total of 12 payments for a total of {$3200.00} and I tried to mediate a settlement through XXXX XXXX. Now I am being bombarded with phone calls from XXXX XXXX XXXX ( XXXX ) XXXX. The interest is extremely high and at the end of the day 13 payments later I would have paid {$7100.00} with interest being {$3700.00}. Do you represent this type of cases? Do I need an attorney? Is there room for compromise? These people are trying to serve me papers, there is a person that text me and when you call back there is a lot of threats, as well as from the phone calls. They have turned it into collections of which has been recorded on my credit report. It 's a night mare. Please advise if you could help me and what fee 's will be. Thank you, XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: WELLS FARGO & COMPANY
State: WI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have been paying my loan to wells fargo home improvements projects on time or two days late I called and they said they would take off late fee and change my due date to the XXXX of each month because I only get paid twice a month. They told that would be fine but come to find out they are still charging me late fees for the late payment I did n't pay that they were suppose to take off and now today I 'm told the system cant take off the late fee and are charging me more than the normal amount of {$52.00} monthly I have called several times.

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 2016-05-30
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I recently applied for a home loan, I was advised that there were several hard inquiries on my report that were not authorized. I contacted Springleaf and they advised that I needed to contact experian but they said that Springleaf needs to resolve. I sent a request to experian to have removed XXXX. I attached the latest request. I would like the inquiry removed immediately

Company response to consumer: Closed with explanation