BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo denied my loan modification stating they would have to forgive {$15000.00} in order to accomplish modification. However, they can not explain why they are adding that amount to my loan. I owe approx. $ XXXX on the loan but they claim I actually owe $ XXXX which is incorrect. My single point of contact at Wells can not tell me where that $ XXXX amount is coming from, and it does not appear on my mortgage statements and never has. When I visited a Wells Fargo branch over the weekend on XXXX/XXXX/16, the representatives there could not explain why Wells claims I owe $ XXXX when I actually only owe $ XXXX and they were looking at my mortgage account as we discussed. I told them that the $ XXXX amount was stated in the npv results in loan modification denial as my capitalized unpaid principal balance amount but they could find nothing in my account to support that number. They also did not know who I could ask at Wells to find out more information because I told them I already asked my single point of contact and she could not answer where that $ XXXX was coming from. In fact, I do n't owe $ XXXX. I believe Wells is mistaken or just purposely seeking to add $ XXXX to my loan balance to make up a reason to deny for a HAMP modification. This is especially time sensitive because HAMP is ending at the XX/XX/2016. I am asking you to demand that Wells provide all proof that the total debt on my loan is {$600000.00}, I have a good faith belief there is no proof and it 's merely a tactic to deny loan modification.

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: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have repeatedly advise her I was not able to be contacted at my work place however has continued to call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C. 1681 Section 602 A.States I have right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States, No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7years. 15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is accurate.

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 2016-09-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
This is concerning Wells Fargo. They did not open an account without my knowledge ( that I know of ) But they pressured me to open an XXXX checking and saving account. If I did not I was told my XXXX checking/saving account would have fees. With the XXXX extra accounts, I was to transfer money to the XXXX accounts once a month. then no fees. At the Wells Fargo office I was told they set it up to automatically transfer for me. They did not. My fault, that I did not notice for several months. I incurred fees on all XXXX accounts.

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 2016-05-24
Company: Capital Alliance Financial, LLC
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a collection letter containing a settlement offer from XXXX XXXX XXXX, a law firm representing Capital Alliance, dated XXXX XXXX, XXXX. The letter indicates they are collecting on my former XXXX XXXX XXXX account in the amount of {$880.00} and that Capital Alliance is my current creditor. 

I was extremely upset by this, I assumed they were going to sue me if I did n't pay them. I was too embarrassed to tell anyone and did n't know what to do. This proved to be XXXX some years back caused by XXXX which is why I fell behind on my XXXX card to begin with. XXXX. All of this caused because I was so afraid of being sued. 

I finally confided in my daughter about this and she started helping me. First she pulled my credit reports and found my old XXXX account was only reporting on one due to how old it is, it 's gone from that one now too. She did some research and this is what she found. 

My XXXX account is past Statutes Of Limitations for suing and was at the time of their letter. Their letter does not indicate that, it was supposed to. I thought if I made a payment it would reset the SOL clock, I now know it would not. 

Their letter gives a deadline date of XXXX XXXX, XXXX for payment, this is why I was certain they were going to sue me if I did n't pay by then. It was very misleading. 

Their letter indicates Capital Alliance is my creditor. They can not be, they are a debt buyer. XXXX XXXX owns XXXX XXXX XXXX as well as Capital Alliance. They have an unscrupulous reputation and are banned from filing suit in some states. 

Their letter does not include any of the information it should have. No dates as to when the account was originally opened, the last payment, first delinquency, charged off, when Capital Alliance supposedly purchased the account and from whom. They did n't even include the account number. 
The amount they are trying to collect is {$880.00}. The amount the XXXX account was charged off for was {$270.00}, a {$610.00} difference. 

My daughter found this court case that is very similar. 
XXXX v. XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ) My daughter also helped me with this complaint as well as a letter to XXXX & XXXX , dated XXXX XXXX, XXXX, sent via Certified Mail with a Return Receipt. They did not respond. 

When they pull these illegal, unethical scams I wonder if they ever think about what it does to the people they 're scamming. 
I doubt it. 

I 'm confident I would prevail in a court case against XXXX XXXX XXXX and Capital Alliance but would prefer to settle out of court due to my health. 

I have attached copies of the correspondence and the relevant credit report entry with the account number blackened out for legal reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account name : XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX  XXXX # XXXX Account XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX # XXXX Account name : XXXXXXXX XXXX XXXXXXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX - XXXX XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX has XXXXiolated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2015-11-10
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is for an apartment that I leased for 1 year. I gave my notice to move out on XXXX/XXXX/2013. The lease required a 60-day notice which meant my move-out date would be XXXX/XXXX/2013. I moved out on XXXX/XXXX/2013 but paid for rent owed through XX/XX/2013. I paid all amounts due and met the terms of the lease agreement but was told I broke my lease. I did not break my lease. I did move out early, but all rent amounts due were paid in full. I called and spoke with the manager, XXXX, in XX/XX/2013 and she agreed the account had been paid and would take care of it. She did not.

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 non-monetary relief
Consumer complaint received 2016-06-21
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I went to Check 'n Go on XXXX XXXX, XXXX to get a loan to make repairs on my car. Check 'n Go gave me a {$5000.00} loan at 74.95 % APR. 
On XXXX XXXX, XXXX, I went back to Check 'n Go to get a little bit more money. They told me I could refinance my loan with them, and I would have to take out at least {$2000.00} more with them. I did n't need {$2000.00} more, but they told me that they would not give me a loan unless I accepted a refinance loan for a higher amount of money. I signed a refinance agreement for {$3700.00} at 85.08 % interest. 
On XXXX XXXX, XXXX, I went back to Check 'n Go because I was behind on my rent payment and all my bills and needed more money. Again, I wanted less than {$2000.00}, but Check 'n Go insisted that I take out a loan where I would get over {$2000.00} in cash. I signed another refinance agreement for {$4600.00} at 104.57 % interest. 
The Check 'n Go office has, from the beginning of my interactions with them, refused to accept any method of payment from me except cash. They debited my bank card once to get my bank information. 
I fell behind on my payments with Check 'n Go around XXXX XXXX, XXXX. Check 'n Go created a check for {$380.00}, payable to Check 'n Go, in my name and cashed it with the bank. I was never informed that Check 'n Go could do this. I would not have given authorization for Check 'n Go to do this if I had understood what remotely created checks are. My bank charged me an overdraft fee after Check 'n Go cashed a check that it had created in my name that I did not authorize. 
I fell behind on my payments with Check 'n Go again around XXXX XXXX, XXXX. Check 'n Go again created a check in my name payable to Check 'n Go for {$530.00} and cashed it with my bank. I disputed my check with the bank and have attempted to withdraw my authorization for any future checks created by Check 'n Go. 
I have never authorized Check 'n Go to create checks in my name to overdraw my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Mortgage is trying to collect {$1800.00} in Escrow Debts instead of {$1700.00}, and {$100.00} in overcharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX {$830.00} I have tried resolve this issue several times no results they cant prove the account is associate with with these is stopping me from applying for a home and car according to 15 U.S.C 1681 there shouldn't be any damages on my report its defamation to my character

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04
Company: Check First Inc
State: VA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Borrowed {$300.00}. And had a 100 dollar fee. Then a 55 dollar fee then the day it was due they added another fee of 55 dollars! I ended up paying 500 dollars for a 300 dollar loan! Somebody ripped me off! Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-21
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Bank XXXX, Account name : XXXXXXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT and I'm including it again. 
XXXX XXXX XXXX Balance : {$66.00}

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 2022-11-21
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I noticed that my American Express credit card is charging me 28.49 % APR. 

It is definitely my fault for not having paid attention to this sooner. I contacted the company on XX/XX/XXXX at about XXXX XXXX Pacific time. I spoke with customer service rep " XXXX '' ( based in XXXX ) who told me there was not a lower rate possible. I then spoke with supervisor " XXXX '' ( XXXX ) who told me the same thing. XXXX said the rate is based upon " credit rating, history, other balances and the like. '' ( the usual filler response. ) I asked if there was an appeal process ( as I have encountered with other financial institutions ) and XXXX said no. However, XXXX mentioned that my account would be " reviewed again '' in XXXX. I doubt seriously they will lower the interest rate. 

I have had a relationship with American Express since XXXX and have never defaulted or behaved poorly with my accounts. I have not always carried balances. I have a credit score of XXXX and yes I do have other balances with other banks as I am trying to start a business. But I have always handled my credit obligations beyond reproach. 

This rate is Usurious. It's like a loan shark. American Express should be ashamed of themselves. It is NO WONDER some people are never able to get out of debt!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Application processing delay

Complaint:
Applied for a XXXX credit card, have excellent credit, not a great card in terms of interest rate, however I like flying XXXX and the bonus miles offer is intriguing. Submitted my offer and they demanded a copy of my social security card, a utility bill and my drivers license. I have never had to go through this for a mortgage loan, I said no way. The card is managed through Barclays 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 2016-12-04
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am a wells fargo non escrow customer and In XXXX XXXX Wells Fargo contacted me via mail to state my property tax payment was in default. I stated to them I was paying my property tax using a payment plan with my county tax department and that I was not in default status. I presented wells fargo with all supporting documents to show that I was on time with my payment arrangement. They stated they understood and as long as if I continued with my payment arrangement they would not interfere. In XXXX XXXX I received notification that they made my account an escrow account paying past taxes which I was paying on a payment arrangement and the current tax payment for XXXX. When I called Wells Fargo the representative stated " we made your account an escrow account as a preventive measure so you would not go into default. '' At no time did any representatives from wells fargo ever call me to discuss my account status and to see if there was a action being taken against me. After many phone calls and debates I notified executive services of my complaint with their non escrow department and my financial hardship that I have now been placed under. This hardship that wells fargo placed on me by now demanding I pay back this money in 60 months and not allowing me to refinance or go through a loan modification stating I can afford the new payment due to my GROSS earnings has placed me to consider foreclosure and has made my family in crisis My original payment I was paying was XXXX wells fargo is now requesting me to pay XXXX. This is a XXXX increase. I have pleaded with wells fargo to review my finances using my net income and expenses and to allow me to have a conference call with their underwriter to discuss my loan status I was told no that that the underwriter is not available and that no representative would talk to me. I was informed to appeal my case and submit documentation explaining my situation. I stated to the representative that I am confused and really need to speak to someone. I also told the representative I have been a good customer never late on a payment and deserve the opportunity to speak to the underwriter. I also stated why would the bank not consider extending the payment of the escrow account owed so the payment could be more affordable. I am confused why they are unwilling to work with me and have me go into default. I also was informed if I pay my original amount of XXXX they would reject the payment amount. I can not express enough the emotional turmoil this bank has placed on me for a situation they had caused.

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 2015-11-02
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
I have a credit care with Care Credit - I used for dental work XXXX 2015. It was 1 year deferred interest. I made my payment each month - then in XXXX - I hit a bump and did not make a payment - then got back on track. Well, that bump - made them charge me over {$900.00} interest. Now I owe more than I charged. Is that right?

Company response to consumer: Closed with explanation