BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-18
Company: Shermeta Law Group, PLLC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
On XX/XX/XXXX I received 2 requests and writs for garnishment of income tax credits from Shermeta, Adams, & Von Allmen, P.C. for XXXX XXXX credit card accounts that had been charged off. I was never served a summons before this action. Ever since the judgment was filed I have had any and all Michigan State tax credits taken by Third Party Withholding Unit in the Michigan Department of Treasury. I started receiving offers to pay this debt off after the judgement, in XX/XX/XXXX, from XXXX XXXX XXXX , XXXX. Shermeta, Adams, and Von Allmen sold my debt to another collection agency. I continued to receive tax refund garnishments and found out the garnishments are still on file with the court and still active. How is it possible to owe the same debt to two different agencies? In XX/XX/XXXX I received a request for income information from the Michigan Department of Treasury. On the form were the plaintiffs who filed garnishments on behalf of XXXX XXXX. Listed are XXXX XXXX and XXXX XXXX XXXX, both for the same debt. They seized the refund of {$170.00}. I contacted the offices of Shermeta, Adams and Von Allmen in XX/XX/XXXX to make an arrangement to stop the garnishments and find out why two different collections agencies were trying to recover the same debts. The customer service agent I spoke with, XXXX, was not friendly nor was he willing to help me. I told him I wanted to resolve my debt and he told me unless I had cash to pay in full there was nothing he could do and that the garnishments will continue until the debt is paid. I contacted the XXXX Judicial Court regarding this as well and there is nothing they can do without the collection agency filing motions to close the cases, or for me to file a motion to quit. I 've been attempting to resolve these issues with no movement from this law office. Selling my debt to another recovery group while continuing to receive garnishments from my state tax refunds should not be legally allowed and I can not find any information in the state laws to support their doing so. I Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Stellar Recovery, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Dated XXXX I received notice from Steller Recovery as well as phone calls in regards to an alleged amount owed of {$1100.00}. I sent a dispute notice for validation of debt in XXXX 2016 but never received response. They failed to send me validation of this debt. Steller is currently reporting to all XXXX credit reporting agencies of the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: Stellar Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The debt was challenged through XXXX and the 1 month investigation revealed I did not owe it was taken off my credit report and 1 month later S.R.I. is back on my credit report and now is leaving bad info as an inquiry thus hurting my credit further as retaliatory effort for challenging the report. I should not have to deal with them once they were removed its unfair thay can come back on to the credit report. The dispute they all edge is 6 years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: Farrell Holdings, LLC
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I did not know of predatory lending and was given a loan even though my income was not enough to cover the monthly payments and sustain daily living expenses. I have paid {$400.00} a month for 2 years and still owe the same amount in which I purchased the car for. I was also asked to pay a {$2000.00} down payment and it was not applied to car.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: SinglePoint GI
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In response to the collection placed against my credit profile. The information documented on behalf of this collection is incorrect, inaccurate and insufficient. I have no recollection of this debt owed and has been placed on my credit file and in my name. 

I understand that collection companies are generally not excited about deleting a collection account. However, I have been informed that according to FCRA ( Federal Credit Reporting Act ) no creditor is required ever to report a debt, nor are they required to continue to report it for any set amount of time, reporting to the bureaus is purely elective on the creditors part. I would simply like for Collection Company to have this one account removed immediately from my credit reports ASAP to ensure my credit profile will reflect accurate and correct information. 

I understand you all are extremely busy so I appreciate your assistance in this urgent matter. 


Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: MB FINANCIAL, INC.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I visited the MB branch in XXXX on XXXX and XXXX XXXX on Monday, XX/XX/2017. I am a XXXX representing a XXXX and I needed to go there to deposit money for the XXXX XXXX XXXX XXXX. The XXXX has a partnership with MB Financial Bank to assist with our counting and depositing of coins, dollars and checks from my XXXX. However, my experience was not pleasant. In particular, I had interactions with XXXX XXXX & XXXX XXXX, two of the tellers at the aforementioned location. Here is what I experienced with these two individuals : 1. Neither employee claimed to have any knowledge of said partnership with my charity. Furthermore, they did not make any attempt to familiarize themselves with my situation. 2. I asked them for a cart to transport the 30+ boxes of coins from the trunk of my car. They reported that they did not have any such cart/dolly. 3. I asked them to help me transport the boxes then ; they said 'no. ' They told me I had to carry the boxes " one by one '' from my vehicle. 4. I was denied access to their coin counting machine. 5. There are no phone numbers for individual bank branches ; let alone specific employees. 6. My overall experience was that these particular employees were rude, unprofessional, and made no attempt to accommodate me. Very disappointing & disturbing to be treated this way ; my only purpose to frequent their establishment was for the purpose of charity & I was not helped at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: Exeter Finance Corp.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was recently in a car accident and my car was totaled out. The insurance company paid Exeter Financial approximately {$6200.00} and because I do not have gap insurance I still owe approximately {$5500.00}. I immediately called Exeter Financial to see what they could do to work with me being that I no longer have the car. XXXX of the representatives said that I must still pay {$390.00} per month or I will be charged for interest and late fees. I said I did not know what I could do and was contemplating bankruptcy. Before I know it I am receiving collection calls for my car payment due XXXX/XXXX/2015 even though they just received a check from my insurance. Exeter Financial has a good contact number for me and knows my place of employment. After being only 4 days late representatives started calling my relatives. A lady named XXXX called my ex husband and said I told her to call him. I never gave permission to call my ex husband or any of my relatives especially being they have more then XXXX good contact number for me. I immediately called Exeter Financial and spoke with a supervisor who said she would look into the call. However, XXXX will not stop calling me and my relatives. The last time she called I said I do n't want anymore calls to my cell phone and XXXX Stated " the collection calls will continue ''. I want these representatives to stop calling my relatives and my cell phone over and over again. They will not work with me at all and now I am being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a bank account with Wells Fargo they opened a total of XXXX banks accounts approx.. 
XXXX/XXXX/XXXX. I had my account froze because of an error or mistake on my XXXX taxes with Franchise tax board. They said I had owed {$2000.00} back taxes. Wells Fargo manager had set me up with XXXX Bank accounts and XXXX Saving accounts. XXXX total. I did not need the XXXX extra accts. Wells Fargo charged and withheld {$200.00} from me from the XXXX accts as well as XXXX took {$200.00}. I went directly to straighten it out with XXXX XXXX on not owing money. I got copies of my XXXX Income taxes from the IRS. I did not owe them. XXXX sent me a refund 4 months later for {$200.00}. I kept complaining and going into the branch to Wells Fargo bank manager about returning the money they took from all XXXX bank accts. He said it was not in his control to return back my money. I am so upset and want to resolve and retrieve the money the Wells Fargo still owes me. I had to close down XXXX bank accts since then XXXX extra bank acct and extra savings acct. that I did not need. The branch is off XXXX XXXX in XXXX XXXX area. Please let me know what I can do or what you can do to help this issue of getting my money back. Sincerely, XXXX XXXX ( XXXX XXXX XXXX XXXXXXXXXXXX

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 2016-09-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
My niece begged me to co-sign a student loan for her saying she would have to drop out of college if I did n't. She knew we had a policy of no co-signing but she cried and promised to pay off the loan as soon as she sold a house she owned. She sold the home got XXXX cash then tells me sorry I had to pay other bills no money left. Yet she went traveling all over the country showing herself spending all kinds of money on XXXX. Is there any way I can get my name off her Wells Fargo student loan. It is now due for payments I get the notices in the mail. But she refuses to speak to me. Is there anything I can do? Thank you 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 non-monetary relief
Consumer complaint received 2016-08-24
Company: Messerli & Kramer P.A.
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Messerli & Kramer represents XXXX XXXX, XXXX. They filed for a judgement against me XXXX XXXX, XXXX. We filed an exemption claim notice with them because most of our income is from Social Security, we did this on XXXX XXXX, XXXX. My total income is {$900.00} a month, out of which I pay {$74.00} a month for a supplemental health insurance payment. This debt is in my name only, my husband has nothing to do with it. 

I filed a cease and desist with them on XXXX XXXX, XXXX. I have never retracted that Cease and Desist, consequently, they have not contacted me by phone, up until this last week. I have received a phone call from Messerli & Kramer, at XXXX PM, on XXXX XXXX. I did not catch the women 's name that called, but she was calling to collect on this debt. I have a photo of my caller ID with the date and time of this call from a representative from Messerli & Kramer. The phone number listed is XXXX. 

It is my understanding that once a Cease and Desist order is in place it is unlawful for them to contact me by phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom it May Concern, According to my most recent credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report.

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 

Sincerely yours, _________________________________________ 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 non-monetary relief
Consumer complaint received 2016-09-01
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Due to an internal glitch at Franklin American ( their fault ) a payment posted 3 days after I made a payment. It was due on XXXX/XXXX/16, I tried paying on XX/XX/XXXX, but the website was down. I called on the morning of XX/XX/XXXX and the rep assured me he would put it in so it would show posting on XXXX. Well, he did n't follow through causing my payment to post on XXXX/XXXX/16 ... more than 30 days late. Now they 're telling me that I now do n't qualify to have my PMI taken off because of a payment being over 30 days past due and are refusing to do anything about it. IT WAS THIER FAULT I could not make a payment because their website was down and called it in the next day which was STILL within less than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have Fraudulent Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is an ole Debt. which was misrepresented by neglect or " breach of agreement ''. I am a veteran, XXXX. at time of XXXX I agreed to the amount of $ XXXX monthly on the XXXX of each month. I explained to the representative that I was a Veteran. My check is the XXXX of the Month. According to the date the XXXX falls on. At the time of the Agreement {$250.00} was there but from Previous Month. The Representative drafted the amount, that is what caused the " Insufficient Funds ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have found several names and addresses on my credit report that do not belong to me. I have recently filed an FTC. My full name is XXXX XXXX XXXX and all variations of my name ARE NOT MINE. 
I found out my ID was stolen and someone has been using my name to open accounts, utilities, and mobile accounts. 
The following accounts are fraudulent : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 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 2016-09-14
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I had applied for a mortgage after being transferred with XXXX XXXX and XXXX XXXX in XXXX of XXXX, I was told that I was in arrears with a past mortgage for a home in Missouri which my ex-wife received in the divorce in XXXX. There was a mortgage modification performed on that note for the house in Missouri on XXXX XXXX, XXXX which clearly shows my name on the Agreement, however I never signed said modification and would not have done so. I filed a complaint with Wells Fargo and they were disinclined to correct the issue. My ex-wife has been in arrears on the note, and I am the one whose credit rating keeps her in that house.

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 2015-07-22
Company: U.S. BANCORP
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have had a US Bank mortgage loan since 2009. I have not been late once until recently when I was being XXXX. I had called US Bank in hopes of deferring a payment until I could visit XXXX, to just defer 1 payment. Upon calling I was treated very rudely, I was told I could not discuss anything with them about a deferral or a late payment until I was in fact late. This was very stressful, knowing what was ahead me was not going to be easy. My auto loan company accommodated my requests with no questions asked and wished me the best. US Bank on the other hand basically told me " too bad ''. I did as they told me to - call back after my loan due date. This was after 2 long trips XXXX. I was n't well and they were still not allowing me any options. They asked for my financial information. I explained I was looking for them to do anything other than just defer a payment during this difficult time. I 'm a single mother XXXX. I promised I would not be late the following month and mentioned I was going to put the house up for sale so I could take care of what I needed to. They said XXXX XXXX, make a regular payment on time, which I did. I was unable to do online, I was forced to call in and they were trying to charge me {$11.00}. Then XXXX XXXX I would begin making regular payments + an additional {$300.00} a month +, for 5 months, to pay back my XXXX XXXX bill. When I did the math I was confused that they were charging me almost $ 300+ for being late. They would not offer me any other options only the option to be raked over the coals for the next 5 months. I have been paying on time since XXXX 2009. My interest is more than {$700.00} per payment and only {$230.00} going towards principal and interest. They could not tell my why I was paying so much penalties. I have reached out to them several times to find a better option with no change. How can a mortgage company be so brutal? The only other option I can think of is an attorney. They have sent me numerous rude letters stating, " You are in default of your mortgage terms '', then it lists out options that are not feasible, including " short sale '', " modification '', " pre-foreclosure sale '' " deed-in-lieu '' of foreclosure, etc ... These are all scary things to see when you 're one payment past due and facing XXXX. I am going to continue to search for a way to stop US Bank. Hopefully I will be able to find a way to make them stop. I am someone 's mom, someone 's daughter and a human being. I can only think US Bank is being managed by robots with no feelings and no compassion for life. One day with the CEO and all the employees their face the end of their lifespan, maybe they can remember all the people they treated so coldly and did n't offer options to. I 'm not asking for handout. I was only asking to defer a payment with no penalties till I could catch up that one month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation