BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-15
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom this may concern, While reviewing my credit report on XX/XX/2020, I noticed an incorrect and fraudulent collection account from Synerprise Consulting. I reached out to this institution via phone # ( XXXX XXXX XXXX twice on XX/XX/2020. I advised her I do not have an account with Synerprise Consulting and do not agree to debt. I advised I have no knowledge of this account nor have I done any business with this company. I explained that I do not have a signed and dated agreement from Synerprise Consulting. I am requesting you to provide validation for this debt. In addition, under the FDCPA, you are also to cease and desist from contacting me regarding this matter unless it is by the United States Mail. This Agency has called my phone numerous times harassing me for an account that I do not owe. I advised supervisor I do not agree to debt and will be filing complaint due to harassment and the lack of professionalism.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am an XXXX citizen living in XXXX. I have XXXX XXXX and XXXX numbers which makes me an American Taxpayer living overseas. 

Wells Fargo has acted unethically by refusing to return my money to myself when I asked for it. 

For the last 2 years approximately I have been trying unsuccessfully to get my accounts closed and my money transferred back to myself in XXXX I believe the treatments I received were highly discriminatory in nature. 

1. I was NOT allowed to order and get a check book. WF issued a wrong check book when the account was opened in 2011. WF refused to issue a correct check book replacement. WF does NOT allow me to order a check book online. Requests through various bankers for a check book by phone calls and emails were ignored and not successful.

2. I was NOT allowed to write a check to myself to close my account and obtain my own money 3. WF will NOT issue a cashier 's check to me to close my account 4. I was NOT allowed to transfer my money out of Wells Fargo 5. I was NOT allowed to order and get a RSA SecurID device for online banking purposes.

6. WF will NOT transfer my money to myself to close my account.

7. I was treated differently because I live overseas and register an overseas address for my WF accounts.

8. I may be treated differently because of the balance in my account.

It is my unconfirmed suspicion that WF deliberately make things difficult a. WF failed to advise how I could access ALL my money in ONE transaction.

b. WF makes NO efforts to verify myself or my supplied XXXX bank account c. WF mailed important letters to stall for time. They ignored they have SecureEmail. In my online banking EmailUs box is no longer available through their portal.

d. WF supplied a physical address for correspondence despite current situations.

e. None of the associated problems and difficulties outlined here was explained at the time of account opening at Wells Fargo XXXX  branch. They failed to disclose their products as NO product disclosure was given.

I was assigned numerous Case IDs which include but not limited to the following Escalated Complaint XXXX XXXX XXXX XXXX XXXX XXXX Bankers I have written to and made aware of my situations include but not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have spent many hours to talk to various bankers and write to WF. I can supply evidence in writing but may need an email address to send to.

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 2023-01-11
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: Information belongs to someone else

Complaint:
See the attached documents. WHAT WOULD BE A FAIR RESOLUTION TO THIS ISSUE?

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 2022-05-14
Company: Experian Information Solutions Inc.
State: MO
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request Experian/XXXX/XXXX  the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX  XXXX Balance : {$490.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$520.00}, XXXX  XXXX Balance : {$180.00}, XXXX XXXX Balance : {$10000.00}, XXXX XXXX XXXX Balance : {$390.00}, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX, XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} Inaccurate Name XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Inaccurate Address XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-05
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
RE : Making Home Affordable Incentive Payments With the addition of the {$5000.00} Principle reduction incentive payment ( see here : XXXX ) XXXX issued a letter ( see attached ) notifying lenders/servicers that they send a notice to borrowers who qualify of the option to reamortize or recast their loan. The document specifically states : The servicer must ... 
provide written notice of an option to re-amortize the UPB, excluding deferred principal, over the remaining term of the mortgage loan if at the time of the notice the mortgage loan is in good standing. 
The written notice must be provided at least 60 days, but no more than 120 days, prior to the sixth anniversary of the XXXX HAMP modification effective date ; give the borrower at least 30 days, but no more than 180 days, from the date of the notice to respond to the re-amortization offer ; notify the borrower of any changes to principal and interest payments as required by applicable law ; specify changes to the payment schedule as a result of the re-amortization and total interest to be paid during the remaining term of the mortgage loan after the sixth anniversary of the XXXX HAMP modification effective date, both with and without the effect of the reamortization ; and include the contact information of the servicer and instruct the borrower to contact the servicer if the borrower has questions or concerns about the re-amortize offer. 
Not only did I NOT receive the letter from Ditech, I 've called many times and they will not send the letter. Further more, I was told on the XXXX/XXXX/XXXX when I called in by a supervisor, that my loan did not qualify for a recast! Their customer service reps as well as their supervisors are uneducated on the matter or playing dumb. Of course the consumers can only gain from the recast lowering their monthly payments and the date the PMI falls off which means less money for Ditech. I shudder to think off uneducated borrowers missing out on this opportunity simply because the folks at Ditech refuse to be in compliance with XXXX guidelines. I should have received notice XX/XX/XXXX but I did n't. And I was also told by a rep. that they were not required to send the notice of recast until the incentive payment was applied which is a lie. 

Ditech needs to be investigated and fined for their mishandling of this as well as perhaps thousands of other consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : 1. XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX 2. XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX 3. XXXX Inquiry Date XX/XX/XXXX 4. XXXX Inquiry Date XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX TRANSUNION : 1. XXXX XXXX XXXX Inquiry Date XX/XX/XXXX 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 2021-11-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a letter in the Mail from Wells Fargo. It was a checking account statement. It had a XXXX balance. I never opened this account. I called Them and filed a fraudulent claim. They said they would close the account and they have not. I have received a second statement. Now XXXX showing from the XXXX email that I am going to receive another letter which is from a mediation XXXX XXXX Wells Fargo. They have not closed this account. I should not be receiving any mail. XXXX getting frustrated. Please help. 

XXXX XXXX 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 2015-05-15
Company: World Acceptance Corporation
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
This is my XXXX complaint against this company. I 've told them numerous times not to contact me during my working hours of XXXX, and they continue to do so. They also discuss my account with third parties that I have listed on my account as references. They do n't state the company name in phone calls or messages, and when asked by a reference what company was calling they refused to give the name, just that they 're a tax service in XXXX XXXX. They then proceeded to tell my girlfriend details about my account and asked that she bring them a payment for my account. This is all after she and I have told them that I put a check in the mail because I would n't be able to make it to their office to pay it in person. I feel like their harassing and deceptive collection practices are against the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: IL
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:
XX/XX/2022 I received dispute results from Experian stating an alleged debt was verified. I reached out to XXXX requesting a description of their reinvestigation procedure for an alleged XXXX XXXX account ( account number XXXX ) that was verified. Certified mail receipt number - XXXX, Exhibit A. I have yet to receive a response that includes a description of the reinvestigation procedure. Experian is in violation of my rights as a federally protected consumer. 

Experian Knowingly Broke The Law. Pursuant to15 USC 1681 a3 - ( 3 ) XXXX made it clear that your company assumed this role. I never gave permission to furnish a consumer report on my behalf. My reasoning is based on consent and privacy. I am not making a dispute, I am making a demand. You were not given express permission by me, the consumer, or competent court jurisdiction. So, not only did you fail in the initial investigation of this information. You also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights.

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 2016-11-02
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our mortgage was bought by Ditech Financial, LLC. We have been trying to obtain a loan modification for the last four months and have been getting the run around since then. We have been assigned several representatives to work on our case. They have not contacted us to let us know where we are in the process. We can never get a hold of them when we call. We have been required to submit the same paper work three different times because they lost it. I am a XXXX vet currently serving in the Florida XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: FirstPoint Collection Resources
State: VA
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:
Someone opened a fraudulent natural gas account using my first name and social security number. That account was sent to First Point Resources for collections. 

I submitted a credit dispute with XXXX of the major credit bureaus and they began investigating. During this investigation I worked directly with First Point, providing them verification documents by email as requested, including the FTC 's identity theft affidavit and a copy of the related police report. 

Eventually the credit bureau responded that the debt collection company ( First Point Resources ) had verified that this account was actually mine. 

Upset, I called First Point Resources to get an update on the situation. Their representative said that First Point never received a copy of my police report. I was incensed that instead of sending any notice to me that they did not receive my police report, they verified fraudulent information with a credit agency. 

I then proceeded to send police report and the other relevant documents by email to First Point. It took me sending these emails XXXX for First Point to " get them, '' the manager was never available to speak with ( always in a meeting ), and First Point has never in my interaction with them contacted me on their own initiative or informed me about the status of my collection account. All of this could have been avoided if First Point Resources notified me as they are required by Section 5 of the Fair Credit Reporting Act which provides that " if an agency declines or rescinds a block, it must notify you. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX/XXXX/Transunion the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. XXXX XXXX  XXXX Balance : {$590.00} XXXX XXXX TX XXXX Balance : {$490.00}, XXXX XXXX XXXX  XXXX Balance : {$520.00}, XXXX  XXXX Balance : {$180.00}, XXXX XXXX Balance : {$10000.00}, XXXX XXXX XXXX Balance : {$390.00}, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX, XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} Inaccurate Name XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Inaccurate Address XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent multiple disputes to the consumer reporting agencies. I have found numerous accounts that are incorrect & inaccurate on my consumer report it is now over 60 days since I received any response from all 3 reporting agencies. On XX/XX/2022 i also sent a demand to comply letter. This is now in violation of my consumer right and this has caused me hardship for me and my kids!

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 2016-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We chose Bank of America to do our mortgage when we decided to purchase a house. Bank of America assured us they would make our closing date, but when the closing date came, neither I, nor my realtor, nor the title company could get a hold of them, until they admitted they had n't completed the paperwork on their end and the house would n't close on time after all. The house went out of contract.

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 2022-05-14
Company: EQUIFAX, INC.
State: MO
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX/Equifax/XXXX  the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX TX XXXX Balance : {$490.00}, XXXX XXXX XXXX XXXX Balance : {$520.00}, XXXX  XXXX Balance : {$180.00}, XXXX XXXX Balance : {$10000.00}, XXXX  XXXX XXXX Balance : {$390.00}, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} Inaccurate Name XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Inaccurate Address XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX

Company response to consumer: Closed with explanation