BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-19
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have contacted Midland Funding about my account as I am trying to clear up my credit. I first called last week in regards to the balance on my account. My credit report showed that I owed {$110.00}. When I called in they told me that I owed {$360.00}. They were unsure as to why the credit was reporting differently than what they had. I then reached out the their credit department, which I tried called five times and never could get through. 
Since I could n't get through I went online and disputed on XXXX XXXX the account and it 's inaccuracies. 
This morning, XXXX XXXX, I logged in to see that the Midland Funding account had closed. To follow up with Midland I called to confirm the account is closed. They told me that the account was not closed and that I still owed {$360.00}. I explained to the lady that XXXX reported that the account was closed and Equifax was still reporting the {$110.00} balance. She told me that information was wrong. She put my through to the credit department. They lady told me that she did n't know any of that information and that she 'd have to reach out to find some answers. She told me to call back. I told her that she would need to reach out to me as I 've tried reaching out to them multiple times. 

I explained to this lady that I no longer wanted my payment plan in action as things do n't seem to be right. She put me back in contact with the department who deals with this. The gentleman canceled my payment information and told me first that I owed {$340.00} and then later told me that I owed {$360.00}. I explained my frustration being told that I owe XXXX different amounts ( {$340.00}, {$360.00} and {$110.00} ). He looked into my account more and then said " oh, I see that there 's XXXX different starting balances ... maybe that 's the issue. '' I then asked to speak with a manager. I explained the situation and the manager asked, " So what 's your concern? '' Really?!?!? This is ridiculous. I 'm being told that I owe XXXX different amounts to there company and XXXX is showing the account closed. 

I feel that this company is being very shady and does n't know what they are doing. I should have a clear idea of what is owed to them and if XXXX is showing this closed I should n't be paying them anymore money. 

They are very unorganized and every time I call in they are giving my different information. This is very unfair to the consumers and makes me wonder if they are ripping me off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: MD
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:
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. has violated my rights. 

XXXX XXXX XXXX # XXXX last reported XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX ; XXXX XXXX ( XXXX ) # XXXX account type XXXX  shows Open, XXXX shows Collection ; XXXX XXXX XXXX XXXX Last Active XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX Last Active XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX ; XXXX XXXX XXXX # XXXX Last Active XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: TN
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 ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I had sent an Monthly Payment for my Mortgage Payments to the Wells Fargo Home Mortgage from my Checking Account at Wells Fargo Bank in XXXX TX. This was a regular thing for me. This instance happen in XX/XX/2012. Eversince then Wells Fargo Home denies receiving it and Bank says they have sent it. They have Slept Interest, Late Charges and my XXXX payment to close XXXX and they constantly harass me to get this money from me. Can Your Agency help me get the redress from this Big Bank and save my Credit.

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 2015-05-11
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My daughter ( deceased as of XXXX XXXX, XXXX ) and I ( co-borrower ) initiated a government student loan ( what I thought was a government student loan and according to XXXX XXXX XXXX, Federal student loan ) XXXX XXXX. Payments did not begin until she graduated from XXXX XXXX XXXX XXXX in XXXX ( so I assume the protocol of student loan was being followed ). She was making payments and was current as of XXXX XXXX. Her unexpected death has left me as guarantor of the loan which I thought could be forgiven based on " student loan '' protocol. I have been " slapped '' with a civil judgement at this point in time which a first payment is expected XXXX XXXX, XXXX. I no longer have the income to support payments of this debt ( retired/pension ). I am seeking forgiveness or cancellation of the debt ( XXXX ). The initial school was XXXX XXXX XXXX XXXX. The promissory note and death certificate are available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: SC
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. 

Has violated my rights. Or list of inquiries 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 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 explanation
Consumer complaint received 2021-01-14
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14
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: Investigation took more than 30 days

Complaint:
I SENT A CERTIFIED LETTER TO XXXX XXXX XXXX XXXX WELL AS THE 3 MAJOR CREDIT REPORTING COMPANIES ( XXXX  XXXX XXXX  XXXX EXPERIAN ) ON XX/XX/2020 ASKING THEM TO PROVIDE ME WITH A COPY OF A SIGNED CONTRACT WITH MY SIGNATURE TO VALIDATE THE DEBT. THEY DID NOT AND IT'S BEEN OVER 30 DAY 'S AND I'M DEMANDING THIS ITEM BE DELETED!

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 2017-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Capital One needs to be fined! They absolutely refuse to help with the payment of XXXX accounts that are past due. They will not lower the interest or the payment amount!!!! I thought this was mandated by the federal govt????????? And they keep giving {$35.00} a month late fees, make them stop that!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: MOHELA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XX/XX/XXXX - student loan paid off, letter attached, XXXX XX/XX/XXXX- Contacted by XXXX XXXX about my loan, letter attached - XXXX XXXX XX/XX/XXXX - signed intent to pay under threat by XXXX XXXX to Attach pay XX/XX/XXXX- found XXXX Letter of proof of payment in XX/XX/XXXX, letter attached - XXXX XX/XX/XXXX- Mohela obtained loan contact via letter for payment transfer XX/XX/XXXX - Contacted DOE - XXXX XXXX XXXX, Faxed to XXXX Case # XXXX my documentation of proof of payment of loan. Received a call in XX/XX/XXXX about the same matter from XXXX XXXX. Did not realize she had spoken to me. Asked her what she had done to date. Response was she would get in touch with Mohela about cancelling debt collection and clear credit. Have never received any information in writing or phone call back concerning this matter. XXXX XXXX XX/XX/XXXX- Contacted CFPB regarding matter XX/XX/XXXX - Received response from Mohela that was not satisfactory. I want copies of my loans and pay off dates and schools, etc. - XXXX XXXX Legal action pending the outcome of this filing and FCC Complaint also with Department of Banking debt collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Our building is a small building with under 20 units condos in XXXX, because this is a very expensive area and just across the XXXX XXXX from New York City, a family of 4 ( husband, wife, mother & father ) using their connection with a loan officer of WELLS FARGO BANK and able to get conventional loan to slowly plotting to rob out the rest of building owners. 

In XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The family got the control of XXXX XXXX ( their family got XXXX seats out of XXXX ) they manipulate to increase the monthly maintenance fee to 34 % and add another 34 % assessment fee, they have a way to set a high budget and so. this increase become a big burden to unit owners and make it sounds reasonable. 

Our building is a vintage building, there aren't any special amenities. no elevators, no parking, no gym, no doorman, no swimming, childcare center, no landscape to maintain. and the maintenance fee for the smallest unit + assessment come to $ XXXX and for largest 2 bedroom unit cost $ XXXX. this is just like the cost of high end Coop near XXXX XXXX in XXXX. 
We know we need to take care of the building, we just paid off the earlier assessment around XXXX. But increase aggressively will just became heavy burden to unit owners and satisfied the plot of this family. 

Because of the expensive monthly HOA fee + assessment, many unit owners are fearful and this too discourage any prospective buyers They took advantage of the pandemic moment with a lot of uncertainties and fear. 

During the XXXX and XXXX they bought 6 units ( 5 units CONVENTIONAL LAONS from WELLS FARGO BANK ( public data from the NJ tax record ). They rented all the units out as soon as the deal is closed. 

The president of XXXX XXXX  follow whatever the family 's suggestions and it threatened the other 50 % of the building owners. At this moment he might be in the process of buying from another owner to get more power to control the HOA. ( over 55 % ). 

In XXXX of XXXX the management company send out a " disclosure of sales '' letters to the units owners. meaning, this is the highly rental ratio building and it's impossible to sell because no bank will want to give a loan to a high rented ratio unit. If you review the XXXX  or XXXX review, they have the worst rating, they don't answer regular peoples call or email, but this time, they will take the trouble to send everybody this disclosure letters. 

I hope the Bureau please investigate the WELLS FARGO BANK underwriter and loan officer for the occupancy frauds and the unjust to the rest of condo owners. Thanks!

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 2016-01-06
Company: Central Portfolio Control Inc.
State: TX
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:
Central Portfolio Control recovery services has been calling me nonstop about a debt owed to XXXX. I do n't have any written documentation about this debt, and I contacted XXXX, the original creditor, to resolve the issue. Customer Service told me they did n't have any record of my owing them, and they searched my email addresses, telephone numbers, and physical addresses. Then, they transferred me to Credit, and that employee told me I had to contact the collection agency, they had no information, they sold it to CPC. I told them if I owed XXXX, I wanted to deal with the original creditor, and pay them. I was told that XXXX had nothing to do with it, I needed to call CPC. I am tired of CPC calling my home, I am being harassed by CPC. XXXX is n't helping me at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: TX
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:
I have reached out to all of the three credit bureaus and they all said this account was accurate, but upon my investigation and research there are lot of inconsistencies and incorrect information. In accordance with the Credit Reporting act XXXX 's XXXX Account # 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 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. 
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed

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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have reached out to all of the three credit bureaus and they all said this account was accurate, but upon my investigation and research there are lot of inconsistencies and incorrect information. In accordance with the Credit Reporting act XXXX XXXX  Account # 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 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. 
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed

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 2016-11-08
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card
Issue: Other

Complaint:
I have previously requested that synchrony bank only contact me vial mail and or email. I requested that they make no phone calls to my cell phone number under no circumstance. I contact synchrony bank regard our credit card balance that is one payment past due and advised them we are gathering all information and will be receiving a consolidation loan. 3-5 days later I then received a phone call to my cell phone twice in one day ( after I previously requested no calls to my cell phone at all ) which I believe falls in a UDAP/FDCPA violation.

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