BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I received overdrafts fees from Wells Fargo XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I filed a couple disputes with transact XXXX XXXX card on XX/XX/21 for {$1400.00} XXXX was XXXX of them and there were few more but they closed my account within day or XXXX and just denied my dispute without reason.i filed it in timely matter and these were not my transactions .I told them they were possibly my XXXX XXXX who came home from prison and if so I will press charges to the full existent of the law.But I was just shut down with no reason or anything .I just found out about you guys that's why I'm now addressing matter again..XXXX is the reference XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Experian Information Solutions Inc.
State: NJ
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:
I writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2015-04-10
Company: ERC
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I am writing because today XXXX of my parents received upsetting voicemails on their phones directed at me. The person on the line personally identified herself, then implied that she was an official legal representative communicating a message regarding district court proceedings against me in our county of residence. She stated that there were " various official complaints '' against me and that I could still contact the " Plaintiff '' at a provided number. 
My parents and I are well informed regarding legal process, so it was immediately clear that it is not time to call the lawyer. After matching the number from the voicemails to my credit report, I found that this was a call from Enhanced Recovery Collections XXXX., which was never disclosed in the communication. 
I am in the process of repaying debts accrued while injured and unable to work. I can not pay everything at once, however, and using indirect, deceptive practices such as this is not helping me to understand my debt or how to repay it. Impersonating the local government and making slanderous statements about numerous complaints against me in the court is very upsetting to both me and my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account was previously removed as it was incite and over 7 ears old. Ive NEVER received a notification about this RESOLD debt that is trying to be collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the XXXX XXXX XXXX XXXX this creditor has violated my rights under 15 U.S.C. 1681 Section 602, states I have the right to privacy, 15 U.S.C. 1681 Section 604a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

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 2022-10-26
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have been receiving phone calls at least XXXX out of XXXX days a week and sometimes up to XXXX calls per day from Navient. 
I am the co-signer of private student loans for my daughter. My daughter recently moved from XXXX to XXXX and was unemployed while job searching for about XXXX months. She said she spoke with a representative from Navient explaining her situation and thought the matter was cleared up; i.e. a delay in payment. Navient did not take this into account and called me incessantly. My daughter had asked for a consolidation of her Navient loans in the past but that has never occurred. 
I truly just want this company to work with the students taking out loans. 
We were presented with no choice when my daughter went to college and had to apply for loans. I understand that I took on a responsibility when becoming co-signer but never expected this level of loan shark tactics and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
N accordance with the fair credit reporting act, XXXX account # XXXX/ XXXX  XXXX has violated my rights. 15 U.S.C 1681 section 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my writing instructions

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 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am XXXX XXXX XXXX. The account that shows on my credit report is for XXXX XXXX. I have mailed XXXX, XXXX, and Transunion a dispute to validate this information and have received the response that this information has been validated and belongs to me. They did not verify who they spoke with and how this information was validated. Below is the letter I sent to them on XX/XX/2020. 

XX/XX/2020 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
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 that 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 ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. Validate Account Chapter XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days

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 2015-04-09
Company: Early Warning Services, LLC
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Years ago I had someone purchase a car with a cashier 's check. Car was gone and check deposited into my account at XXXX XXXX Credit Union. Few days later, money was withdrawn to purchase another car but found out later that the cashier 's check was canceled. Could not find the people so the car and the money were gone. I had lost my job and was unable to pay the debt to the credit union. They took it to small claims court and I had filed bankruptcy due to losing employment and divorce. Debt to the credit union has been discharged. I ended up moving to another state and tried to open a local bank account, but found that the credit union has me listed with Early Warning Services as a fraud user. I have several emails with the credit union explaining if I pay the debt they can release my name from the fraud list. This violates the terms of bankruptcy code as well as Fair Credit Reporting Act. I just would like my name off the list in order to open an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX debt appeared on credit report. I do not owe this medical bill. All my medical care is through XXXX in XXXX California, all medical benefits are fully covered no need to go to other medical facilities. Personal information breached in XX/XX/XXXX through XXXX website, this is fraud or identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received notice that my checking account was negative {$4000.00}. Upon checking the withdrawals, the bank took {$4400.00} out of my bank account for " returned deposited items ''. We called the bank to verify and we're told they could not do anything until the transaction processed because they couldn't see why until the process was complete. I contacted the bank as soon as it was no longer pending in my account and was told that they could not find the item the original deposit of the item that was returned to them. The checks that were supposedly were deposited were not deposited into my account nor should I have received any checks for those amounts. The bank has told me on multiple phone calls they can not see the transactions to give me any answers as to why this happened and are not refunding my money when they clearly can't find the transaction of the deposit to show it was not 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 2020-03-23
Company: Io, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Debt in question was from a minor I was chaperoning to an urgent care visit. I am not her custodian or legal guardian Moreover, the minor had valid insurance coverage at time of visit but original creditor never submitted billing to proper insurer Regardless, I just took her to urgent care while her mother was away. Why am I responsible for this debt?! All I did was help someone out my bringing a minor to the doctor!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank is in violation of court order by issuing checks in the deceased name. Checks should have been made payable to the estate or to the spouse as clearly stated in the court order. All necessary information was provided including death certificate. After making multiple attempts to rectify the situation by visiting the bank in person and making several phone calls to the same branch the same representative instructed the spouse to sign the checks and write deceased on it which is in direct violation of the court order.

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 2022-10-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not give written consent to report this on my consumer report.

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 2016-12-17
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am sending this email to file a complaint about Roundpoint Mortgage persistent negligence in not following up with their customer concerns, lack of knowledge of the customer service reps, and XXXX poor customer service. I received an escrow analysis statement the first week of XXXX indicating my new mortgage payment was going to increase by approximately XXXX month. I contacted RPM TWICE to get an understanding of the escrow analysis and was instructed to send in copies of our tax statements and I also included a copy of our updated appraisal. I immediately faxed as well as emailed the requested documentation so that the re-analysis would be initiated. I was told by XXXX of the customer reps that a re-analysis of the escrow would be done. I also requested to speak with supervisor during BOTH calls because I was not getting an understanding of the analysis and how they came up with the amount indicating the need of an increase of XXXX month. I never received any calls from RPM in reference to my questions. I called on XXXX/XXXX/16 to get an update on the re-analysis and was told it would be completed by XXXX/XXXX/16. I called today ( XXXX/XXXX/16 ) and spoke with XXXX different reps. The first rep was not able to answer any questions in regards to the re-analysis, so I requested a supervisor. I was transferred to a female representative and she immediately proceeds to tell me that I have " utility lien '' on my house. After questioning her about this so called " utility lien '', I had to tell this rep that she was reading our tax statement for our utility district. After speaking for 10 minutes back and forth about our escrow, she proceeds to let us know that no re-analysis was completed. After further speaking with this representative she proceeds to let me know that a 2 month cushion was required in our escrow account totaling approximately {$50000.00}, which is insane. I was under the impression that she was supervisor, but after speaking with her and realizing she did not know how to answer the questions she admitted to not being a supervisor and stated that she was told we requested a U.S. rep. 

The issue at this point is the escrow re-analysis was never done and I require assistance in getting my mortgage payment lowered. My family ca n't afford to pay XXXX month from {$2300.00} a month. This increase in my payment amount is RIDICULOUS and there is no way that a mortgage payment should increase more than XXXX month each year. I am requesting the assistance of management to look over my account and contact me to discuss options and also to ensure that the figures are correct. My account information is listed below :

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 2022-10-26
Company: Four Directions Lending LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On XX/XX/2022, I sent a XXXX XXXX XXXX to Initiate Electronic Funds Transactions to West Side Lending. However, West Side Lending continues to debit my account. The most recent attempt was an ACH transaction. The date was XX/XX/2022, for the amount of {$200.00}. More than 60 days after, I requested that West Side Lending stops debiting my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
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:
I was affected by XXXX which caused a financial hardship in XX/XX/2022. I contacted XXXX XXXX in reference to account # XXXX and they made accommodations on my account and removed the 30 days late fee. Under the Cares Act my account should be reporting as current on my credit report for the month of XXXXXXXX XXXX. I am requested that the 30 day late be deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
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:
In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report. These actions violated my rights. 

ACCOUNT - XXXX # 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 an account without my written instructions. 

The Credit Reporting Agencies stated the account was properly investigated but these items in my attached credit report show different.

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 2020-10-12
Company: Experian Information Solutions Inc.
State: IL
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:
Experian is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS XXXX  XXXX XXXX never late XXXX XXXX XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX  XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine

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 2016-11-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I filed chapter XXXX in XX/XX/XXXX. I have XXXX loans with cco morgage and they are XXXX, XXXX, XXXX cco morgage since I filed they have not reported my payments to this date XX/XX/XXXX to the credit reporting agency 's so my credit scores are all very low. Now I want to sell my house and pay off cco morgage but because my scores are so low I ca n't find financing. Could you make them report even though I 'm in chapter XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
When my adjustable rate mortgage adjusts due to the change in the interest rate, the Mortgage Company unfairly and inaccurately calculates the new payment. They do not adjust the payment to reflect the new interest rate. They adjust the new payment to where the mortgage will never be able to be paid off. 

I am certain that I have over-paid Mr. Cooper in interest by tens of thousands of dollars over the past 15 years. I would like that overpayment of interest refunded to me.

Company response to consumer: Closed with explanation