BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-26
Company: Experian Information Solutions Inc.
State: NY
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 recently reviewed my credit report and found following alleged accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Us Dept of Education XXXX U S Dept of Ed/XXXX This is my second time sending a complaint about this matter. The accounts has already be reinvestigate. I am not aware of these accounts as indicated.

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 2015-04-28
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Says medical services were rendered in XX/XX/XXXX, however they were rendered in XX/XX/XXXX. This debt is over 7 years old. I was in military XXXX at the time they claim service was rendered. They have XXXX reported as {$82.00} and also {$180.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo offers mortgage customers the ability to pay their mortgage online for free however, every time I have attempted to do this I have received the message, " Please try again later. Wells Fargo Online is temporarily unavailable. '' So, if I do n't have time to mail my payment I have to pay it over the phone which costs {$15.00}. I believe that having the system always unavailable forces mortgage customers to pay the {$15.00} fee. Also, when I spoke with a representative about this issue he gave me an XXXX number for the tech department. When I called this number the automated system asked for my account number. When I entered my account number it said it did n't recognize that number and I could n't get any further. It does this every time I call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-09
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had open a previous complaint about chase and chase add documentation and one of the documnetation showed that my account was closed at the end of XXXX to the first week of XX/XX/XXXX And the documentation also stated that they closed my account do to information they received from XXXX If that was the case why chase has been reporting information to XXXX XXXX XXXX  Which is showing a amount of XXXX that went thre the account XXXX I never had a account with chase in XXXX so were is this report coming from with this amount of money. I have attached a copy of my XXXX XXXX  report from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: Platinum Holdings Group, LLC
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Worldwide Asset Recovery out of California called me on Monday at my place of work. This place of work being a school at which I teach. They then proceeded to tell me they were calling to collect a debt for XXXX XXXX. I have not even had an account with them since XX/XX/2009. The man stated that I would be sued and have attorney fees of over {$2200.00} if I did not make a deal with him. He gave me the number XXXX to call him back after I talked to my spouse. He had my social security number, but did not have my right address. He said that I lived in XXXX, which I never have. Most of the information he had could have been found on social media or my school website. I am concerned, and I do not want to pay him. I have been scammed before. When I looked up the company and the number, I came up with spam complaints, harrassments, and a number with no traces. The company did not even have a validated website. They are also not validated/supported by the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It's been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It's been well over 30 days and I haven't received any investigation results.

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 2020-12-26
Company: Self Financial Inc.
State: MA
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 contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I sent the money XXXX dollars from Western Union ( from a store in XXXX with Operator Id XXXX ). They did not pay my money back to my country and the status says paid. They gave me another tracking number for refund. I requested the store for a refund but they denied me to pay since the status is paid for one of those tracking number. I have been a victim of fraudulence since I was not given any reason for the refund and nor their operator knows about it. The store asked me to go to bank for the refund. I had to send money to my country for a very serious reason. I make good enough money as well. Please help me with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had to contact y'all about the disputes I had filled, and they keep telling me they are still reviewing its been a whole week that they are still saying the claims numbers are XXXX and XXXX and XXXX and XXXX and XXXX and XXXX and XXXX and XXXX and XXXX I want y'all to proceed all my disputes and credit me back a total of {$720.00}.

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 2017-02-06
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I recently learned of an usry law in Virginia that articulates a 12 % annual interest rate on these types of loans. I, unfortunately, took out several internet loans back in the summer. Upon learning of Virginia 's usry law, I contacted the XXXX internet loan companies to negotiate a lesser interest rate. I was able to successfully negotiate a lesser interest rate with the first company. However, I called this company today and spoke to someone to inquire about the process of getting a lesser interest rate and was told that the interest rate was based on the contract for my state? I informed the representative about Virginia 's usry law. She informed me that I could speak with a supervisor. After waiting for approximately 15 minutes I spoke with a superivisor who said the same thing that the contract was written based on the state laws. This company is actually charging 299 % annual interest rate which is much more than the first company that negotiated a lower interest rate with me. Moreover, when I asked how much longer did I have on the loan, the response I got was until I paid it off. However, with 299 % interest rate when will that be. I am willing to pay back the monies borrowed with interest ; however, after recently being informed I now realized that I have been over charged quite a bit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Regardless if a paycheck that 's a direct deposit every XXXX weeks like clockwork or if I deposit funds via the ATM early in the morning, even if the funds show pending in the account, if any transactions come into the account the same day, regardless if that 's the first time they are showing up, Wellsfargo will charge a {$35.00} overdraft fee for every item. 
I emphasize the funds show pending in the account long before any other items present, so Wellsfargo is deliberately changing the presentation of the items in order to get away with charging fees. 
On XX/XX/2016 my aunt 's account was already overdrafted by {$500.00} and I deposited {$1000.00} early that morning, long before the bank was even open for the day to cover that and any incoming transactions. Wellsfargo went ahead and charged an additional XXXX {$35.00} totaling {$140.00} during the day because new items presented to the account long after the deposit was made before the bank opened. 
Wellsfargo seems to do this every single time there is extra money in the account and if you call them at best maybe you 'll get half the fees refunded even if they promise you to refund all the fees. They claim they are not rearranging the presentation of the items, but they 've done the exact same thing on my own checking account. My paycheck is direct deposited every XXXX weeks, Friday morning after XXXX am, but if I happen to not have enough funds in my account and an item presents, guaranteed I will get a {$35.00} nsf fee. It 's guaranteed funds that you can set your watch to and it will show pending in the account, but Wellsfargo will still charge fees to steal as much of my money as they can get their greedy hands on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I believe WellsFargo has opened an account on my behalf without my autherization. I have copies of all transaction since 2013 and do n't like what I seen. WellsFargo has too many transactions that says " save as you go transfer debit to and as low as {$2.00} & high as {$12.00}. I never authorized it and never signed anything, this is fragulant action and want to be protected and want my hard earned money back.

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
Consumer complaint received 2015-12-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Continuously calling me, telling me that my full payments are due the day of the call, telling me that I need to pay them now, I have repeatedly told them that if they just send me the bill I can make payments, continue to tell me it 's due right now, I tell them that I do n't have the money today until I get my paycheck, then they continued to ask me when I get my paycheck, telling me that when I do get it I need to call in on the phone and pay because they do not send paper statements, which is false because I have a bill from them that I just got in the mail yesterday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have never done any business with any company that goes by Fidelity Creditors Services or any affiliated company nor taken out any type of loan. The alleged debt they are charging me is over 9 years old and has been bought and resold many times over. Fidelity Creditors continues to charge me interest although they have failed time and time again to provide me or signed contract/s and/or evidence of loan/s or financial services they claim they have rendered to me Please help!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: EQUIFAX, INC.
State: NY
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 have disputed this account from XXXX XXXX and its still reporting on my credit reports. This school loan isnt mine and I have never took out any loans from this school. I never received any contact ( phone, email, letters ) from this school saying i am a student and owe this debt. Please delete this collection account of my credit reports. This isnt my debt and i dont owe nothing to this school. I also have numerous inquiries listed on my credit reports that are not mine. Someone is using my information and trying to open up accounts in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: LA
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:
The following Credit Bureaus are in violation of the FCRA Act 601 ( a ) ( 1 ), & ( 611 ), 623 ( a ) ( 5 ), Also FCRA Compliance Date Act. Experian, XXXX, XXXX. along with Collections Agency, ( XXXX XXXX XXXX, response to CPFB response XXXX reference number XXXX ). 
All attached evidence of Violations and inaccurate reporting on this account is provided on the account in question. ( See Attached ) XXXX XXXX XXXX, Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

A response was received by CFPB by XXXX XXXX XXXX in reference to XXXX XXXX XXXX, which clearly stated in the response the " Date of First Delinquency '' for this Account XXXX, is XXXX XXXX? ( see attached ) XXXX is reporting on my credit file the " Date of First Delinquency '' for this same Account is in question XXXX XXXX XXXX XXXX XXXX? ( see attached credit file ) XXXX is NOT reporting any Required according to FCRA Compliance Date, '' Date of First Delinquency '' on my credit file which is required for reporting? ( see attached ). 

Experian is NOT reporting on my credit file the " Date of First Delinquency '' for this account as required by FCRA Compliance Date ACT. ( see attached credit file ) The FCRA Compliance Act not only Requires the " First Date of Delinquency '' to be reported on the credit file, but also Required the reporting " Original First Date of Delinquency '' to be the same and can not be changed in all reporting agencies, It is illegal to re-age the account date which is a serious committed violation. 

Also, XXXX XXXX XXXX, on behalf of XXXX XXXX has NOT provided the required information, which was requested to validate the account. Submitted Monthly statements, and the agreement contract, does not substitute the requested documentation agreement that bears the " SIGNATURE of the alleged debtor wherein he/she agreed to pay the creditor.This information has not been received, and is vital since a serious violations of the original first date of delinquency differs in the credit reporting bureaus on account in question. 

Experian is reporting on my credit file in reference to the same account XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX, A Balance of {$930.00}, A Status of serious past due, assigned to attorney collection internal agency, BUT REPORTING ACCOUNT IS PAID OFF on credit file ( see attached ) with no original date of delinquency reported on account this is a requirement according to FCRA Laws.

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 2015-05-26
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
in XXXX I received a letter from XXXX XXXX XXXX stating the rate of the MIP will be lowered from 1.35 to .85 % and my payment will drop about XXXX $ I did n't need to do anything it would just come off in XXXX then I get another letter from Carrington Mortgage stating they have bought the loan and will be servicing the loan the rate was not dropped I called and they stated it will in time I just called again and asked why it has n't dropped yet they stated I di not qualify for the reduction in MIP due to the loan was not old enough???? Help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
I CONTACTED SEARS HOME IMPROVEMENT TO INSTALL HEATING/AIR CONDITION IN MY RENTAL HOUSE AT XXXX XXXX XXXX XXXX, NC XXXX. I WAS GIVEN THE PRICE AND ADVISED IT WAS INTEREST FREE FOR THE XXXX 12 MONTHS THEN AFTER THAT THE INTEREST WOULD BE BILLED ON REMAINING BALANCE. I HAVE PAID XXXX MONTH FOR 12 MONTHS WHICH LEFT A BALANCE OF XXXX. AS OF THE XXXX BILLING STATEMENT. MY XXXX STATEMENT {$1500.00} WAS ADDED TO THE STATEMENT. SINCE I HAD NOT MADE ANOTHER PURCHASE I CONTACTED SEARS PHONE ON THE STATEMENT ONLY TO FIND OUT THE STATEMENT WAS SENT OUT AS SEARS HOME HOME IMPROVEMENT BUT THE NUMBER ON THE STATEMENT WENT TO CITIBANK - WHY SEARS IN LISTED AS THE COMPANY AND CITIBANK IS THE PHONE NUMBER IS BEYOND ME. THE SUPERVISOR ADVISED THAT {$1500.00} WAS ADDED FOR THE RETRO INTEREST TO THE XX/XX/2015 STATEMENT BECAUSE THE BILL WAS NOT PAID IN FULL IN XXXX YEARS AND INTERST WOULD ALSO BE ADDED IN DOUBLE DIGITS PERCENTAGE. THIS IS NOT WHAT THE SALESMAN THAT SOLD ME THE UNIT TOLD ME. SO NOW I HAVE PAID XXXX XXXX XXXX. AND NOW THEY CHARGE XXXX MORE WHICH AMOUNTS TO XXXX BEING CREDITED ON MY ACCOUNT. PLEASE HELP ME I HAD XXXX XXXX AND NEED YOUR HELP DESPERATELY. I HAVE REQUESTED A COPY OF THE AGREEMENT ONLINE SO I CAN FORWARD TO YOU BUT HAVE NOT RECD YET - THIS IS BAD BUSINESS AND THERE IS NOT TELLING HOW MANY TIMES SEARS HAVE PULLED THIS TYPE OF DISHONEST TRANSACTIONS TO THE CITIZENS OF NORTH CAROLINA. PLEASE HELP XXXXXXXXXXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX the homeowners insurance company I had with XXXX of the companies XXXX partners with raised my insurance from around {$800.00} to a little over a {$1000.00}. What I could not understand was why and none of XXXX 's agents could provide an answer. My house value had not increased at all. Later I received a bill from LoanCare where my mortgage went from {$850.00} to {$890.00}. I found out later it was due to the increase in the homeowners insurance. I now have a lower cost homeowners insurance yet my mortgage payment is almost {$900.00}. LoanCare I find has a XXXX rating and not only by me, but by several thousands of homeowners. Why? Why? Why? Would my mortgage be transferred to such an incompetent company. Not only that my mortgage has been sold three times and transferred three times as well. Is this what caused the crisis of 2008? If it is we maybe heading the same way, yet again. Something must be done and not only for me, but for others. Take action today by doing your own review and you will find LoanCare is a problem company. Thank you for your time. 

Sincerely, 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