BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
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:
I have been requesting that any information on my credit report be verified by the collection agency that has placed the collection on my credit report. 
This collection of {$760.00} has been on my report through a collection agency name XXXX. I sent request to all 3 bureaus, and it was removed because it was not verified. Now 2 years later, A new collection agency XXXX XXXX XXXX  has put this collection on my credit report. I have written all 3 credit bureaus again XXXX removed it, but XXXX and Experian have not removed it. I informed them that any automated response, or e-oscar verification is unacceptable. 
I have requested that they provide me with the description of the procedure used to determine the accuracy and completeness of the information is hereby requested Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. They have not complied with the request.

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 2017-01-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XX/XX/2016 on of our newly opened business account was " taken over '' and over {$10000.00} was stolen by a thief by the way of ATM, department store purchases and in branch cash withdrawals of various amounts not exceeding {$2500.00} at different branch locations. 
A Banker helped us open a claim with WFB and was able to retrieve the money stolen from our account through the ATM. However, WFB rejected the in-branch cash withdrawals totaling {$9400.00}. 
For 6 past months I 've been told by the Banker that this is a mistake and that claim would be re-opened and re-evaluated. But no progress has been made. 
All requests to the supporting documents such as photos/videos used by WFB to reject our claim have been stone walled. 
The bankers do n't take our calls or return our messages. I spoke directly to the claims department and they said they will let me know 'if ' ( yes I confirmed they did say 'if ' ) the documents were available and that they do n't necessarily need to have documents to reject a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, 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. 

XXXX. XXXX XXXX Account # Not Available On Credit Report XXXX. XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX. XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX 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 seven years.

15 U.S.C 1681s - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2016-09-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Other fee

Complaint:
I signed up for a credit card through Wells Fargo, who I have been a long term member. Well. I have noticed that I have been charged around XXXX dollars per month again because approximately 5 years ago, I called XXXX XXXX and have talked to my local bank who tell me that I must contact XXXX XXXX myself as XXXX XXXX is a third party member not affiliated with the bank. they said at that time they will canceled but they added to my account again, because I never ask for that type of services, let me know if there is any way I can get refund for all this years they are been taking money from my account.

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 2015-05-19
Company: CONRAD CREDIT CORPORATION
State: RI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
CONRAD DEBT COLLECTORS IN CALIFORNIA ; THEY PUT A LEIN ON OUR HOUSE FOR??????? 
WE HAD NO CHOICE BUT TO PAY {$1600.00} TO CONRAD CORP FOR NOTHING. IF WE DID N'T GET THE LEIN OFF WE COULD NOT REFINANCE. SO WE HAVE BEEN PAYING THESE PEOPLE MONEY FOR NO REASON. 

THEY THREATEN, ABUSE, AND THEY KEEP DOING THIS AND I KNOW I AM NOT ALONE. 

IT BEGINS WITH XXXX. THOSE OF US WHO BOUGHT A TIMESHARE AT XXXX IN XXXX XXXX 'S ( WE BOUGHT OURS XX/XX/XXXX ) ARE GETTING CHARGED BY XXXX FOR XXXX FEES EVERY YEAR FOR WHAT???? 

XXXX WENT BANKRUPTED. THEREFORE XXXX MEMBERS WHO BOUGHT XXXX FOR THEIR " HOME '' ( WE NEVER EVEN STAYED THERE BUT YOU NEED A HOME BASE TO USE XXXX ) WE USE THE EXTRA WEEKS AND PREFER TO PAY XXXX THE {$170.00} FOR THE WEEK SOMEWHERE. OUR CHILDREN WE 'RE TO USE THIS FOR THEIR HONEYMOONS. 

THAT WAS THE MAIN PURPOSE FOR THIS PURCHASE FOR FAMILY TRIPS. 

SO BECAUSE XXXX WENT OUT OF BUSINESS ANYONE WHO BOUGHT AT XXXX ARE OUT OF THOUSANDS OF DOLLARS. A XXXX XXXX AS I HAVE RESEARCHED THIS FOR YEARS JUST IGNORES ALL RESPONSES. 

FOR THOSE THAT ARE STUCK BECAUSE WE ARE STUCK AS CONRAD WHO COLLECTS THE FEES FOR A CLOSED HOTEL KEEPS PUTTING LEINS ON HOMES. ALOT OF PREVIOUS OWNERS GAVE IN AND MADE DEALS WITH CONRAD. PAYMENTS THAT ARE NOT OWED TO THEM. 

THESE PEOPLE IN CALIFORNIA ARE MEAN. THEY THREATEN TO TAKE YOUR HOME AND THEY DO!!!! AND SOMEHOW CAN PUT A LEIN ON YOUR HOME, HOW? 

I AND XXXX OF OTHERS ARE STUCK. NO HOME BASE=NO XXXX. 
XXXX WANTS THE PEOPLE WHO BOUGHT FROM XXXX, XXXX, TO DEAL WITH IT. XXXX WILL NOT HELP. 

YOU NEED TO BE AWARE OF THIS AND IF YOU GOOGLEXXXX+XXXX+CONRAD A HUGE GROUP IS WAITING FOR SOMEONE TO HELP. COULD YOU HELP US PLEASE? 

I CAN BE REACHED AT XXXX. ALL WE REALLY NEED IS XXXX TO GIVE US A HOME BASE SO WE CAN BOOK. OUR PURCHASE FROM XXXX/XXXX DOES N'T EXPIRE UNTIL XX/XX/XXXX BUT WHAT GOOD DOES IT DO IF YOU CA N'T EVEN LOG INTO YOUR XXXX ACCOUNT BECAUSE XXXX LOCKED US ( XXXX BASE HOLDERS ) SO WE CA N'T EVEN GET INTO XXXX. 

PLEASE HELP THIS HAS BEEN GOING ON FOR OVER 10 YEARS. I HAVE PAID THIS CONRAD PEOPLE OVER XXXX FOR NOTHING BECAUSE THEY KEEP PUTTING LEINS ON OUR HOME AND OUR LAWYERS TELL US WITH A LEIN YOU HAVE TO PAY IN ORDER TO REFINANCE. THAT IS FAIR? 

PLEASE, PLEASE I HAVE BEEN FIGHTING THIS FOR EONS. 


THANK YOU IN ADVANCE. 

REGARDS, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/2022 a letter was sent stating that I were disputing the validity of the alleged debt by certified mail. Also, a notice to cease and desist letter was sent on XX/XX/2022. Re : Notice to Cease and Desist Account Number : XXXX XXXX Dear GLA COLLECTIONS, To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via email dated XX/XX/2022. While checking the above report, it came to my notice that your Company has furnished an account on my report. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX XXXX, 2014, my husband and I signed a residential contract of sale form to purchase a house. Wells Fargo was the name of the bank we used to finance the loan. The house for purchase was a XXXX house which needed to be rehab. Wells Fargo requested my husband and I to have this house inspected by a company which they must approve that is contracted and authorized to supervise and sign off on rehab work. My husband and I paid {$800.00} to get the inspection done with a company Wells Fargo had approved for the inspection. 

After the inspection was done and I found that the roof repair estimation was incorrect because it was for a XXXX roof instead of a XXXX roof. I had paid a XXXX {$250.00} to inspect the XXXX roof and give me the cost to either repair or replaced the roof. When the contractor emailed me the estimation, I had forward the email to my loan officer at Wells Fargo. He told me that he suggest that my husband and I let the house go and he did not communicate with me any more. I have called him numerous times and emailed him as well to let him know that my husband and I still want to move forward in purchasing the home ; we told our agent as well but the loan officer never called me or replied to any of my emails. My husband and I was willing to pay for the roof repair in order that we may stay within the loan approval amount. The loan officer which was handling our loan paper work never took our desire into consideration and as a result we lost out on purchasing the home and lost our {$800.00} for the mandatory inspection as well as the {$250.00} XXXX roof inspection.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX FOR {$240.00}? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, 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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX SELF-REPORTED XXXX Balance : $ XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$170.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
The lender Wells Fargo will not work with me to lower my monthly payments, thus driving me to consider defaulting. It is unfair for them to not offer any reasonable options for people like myself who are pursuing a better life in this country. I received an education that did not lead to a career in my field of study as well so i feel college advisor offices were very misleading as well. I feel trapped and there is no way out and have no hope for the future. Wells fargo student loan services is extremely greedy and shady as they are also unable to provide all of the allegedly signed documents after i 've requested them on several occasions. Please help me in resolving this issue and having Wells Fargo lower my monthly amount taking into consideration all of my debt/including federal loans. Their customer service is also terrible and lack empathy. Please help me! I feel trapped and extremely depressed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: 1st Franklin Financial Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX, 1st Franklin Corporation received a cease and desist letter from consumer at XXXX. Consumer expressed to the financial institution to stop collection on fraudulent debt, report paid in full to all credit reporting agencies, audit trail, XXXX account each month and send a check for {$5000.00} for violations under FDCPA send to address on the cease and desist letter. The XXXX office contact me on XX/XX/XXXX @ XXXX which is in direct violation of my rights after receiving my cease and desist. 

1st Franklin Financial committed unfair and deceptive practices with in the meaning of section 5 of the Federal Trade Commission Act for a seller, directly or indirectly to take or receive a consumer credit contract which fails to contain the Holder in Due Course Notice in at least XXXX point, bold face typed. The consumer contract does not have the notice. I scanned document with a fine tooth comb and no where on front or back the notice is present. In addition, the financial company didnt provide me with an adequate notice that gave me pertinent facts clearly and conspicuously for me to understand.

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 2021-03-19
Company: DISCOVER BANK
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2012 I was locked out of XXXX to complete a transaction. After trying to contact XXXX for over 2 hrs. I finally reached someone believed to be an XXXX associate who told me my problem was verifying my credit card. I was then told to go to XXXX and purchase 2 gift cards valued @ {$200.00} each which they showed on my cell phone was transferred into my account. Then told they didn't take after giving them the number of cards and that I needed to go to a different store to purchase others. I continuing asked them about this unusual system XXXX was using to test my card however they convinced me that it would be fine and I would be able to get into the computer soon. Now it ended up being three XXXX cards for {$500.00} ea. same thing showing on my phone the exact amount was transferred into the charge card which had the exact last numbers that I use. Finally when they insisted one more card was needed this went onto Discover for {$500.00} I was worn out arguing with them. The previous transaction was on my XXXX card. Now I contacted the credit cards minutes after I got home and noticed my computer was now unlocked. Both XXXX and Discover were notified ; This people were man and wife and the call was from XXXX XXXX CA. and represented XXXX which to me is fraudulent however because they instructed me to purchase the cards both XXXX and Discover this to be a scam of which even though it was on a credit card will not remove the cost, I am a senior and live on social security and try to supplement by selling little items on line. I always pay any credit off monthly so as not to incur interest, however, this is impossible for me to do at this time, I went into XXXX and explained my situation to no avail and I even asked if they would keep the interest off if I paid it off monthly, answer was no. How cruel can they be as I have been banking with them for at least 4 yrs. and NEVER missed a complete payment. Discover will take the interest off for the first month only however, between the both I'm at a dead end. I gave XXXX complete information. I contacted all of the above within minutes after realizing I had been scammed. You are my final resort for help. No one can realize what a burden this has put on a senior who just wanted to supplement her income. I did nothing but believe crooks who found and knew everything about my address, banking, etc. Everything had to be deleted and new cards issued, Horrible lesson to learn in times like these when prices of everything is on the rise. PLEASE HELP ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on a mortgage through XXXX XXXX XXXX on XX/XX/XXXX. We have been transferred between servicers but are receiving conflicting information ; one bank has taken a payment for us but the current servicer says they don't have any record of us. 

- Closed XX/XX/XXXX ; First payment due XX/XX/XXXX - First servicer/funder : XXXX XXXX XXXX - XX/XX/XXXX : Notified via email from XXXX of being transferred to XXXX XXXX XXXX  XXXX XXXX MI ) XXXX XX/XX/XXXX : Setup new account at XXXX for online payments XXXX etc - XX/XX/XXXX : Received letter from XXXX that we were being transferred to XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XX/XX/XXXX - XX/XX/XXXX : Received letter from XXXX they were, in fact XXXX not going to be our servicer and not to send payments for due dates after XXXX - XX/XX/XXXX : Received a second letter from XXXX that they were transferring us to LoanCare XXXX but this time effective XX/XX/XXXX - XX/XX/XXXX : XXXX takes auto-draft from checking account XXXX XX/XX/XXXX : Northpointe lists payment as unapplied funds - Since XX/XX/XXXX, LoanCare LLC doesnt know who we are per customer service. We have received no correspondence from them at all. 
- XX/XX/XXXX : received letter from XXXX XXXX that FM has purchased our mortgage on XX/XX/XXXX and they are our servicer, but with different addresses from XXXX XXXX XXXX correspondence.

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