BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: Profit Services Group
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen me and my family will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter companies listed below are reporting accounts obtained thru identity theft profit services group XXXX XXXX XXXX XXXX XXXX XXXX XXXX systems I HAVE THE IDENTITY THEFT REPORTS ATTACHED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, I received a very harsh demanding letter from the PNC Insurance Department which was dated XXXX. The letter stated there was a lapse in coverage from XXXX to XXXX. I dont agree with you on this matter. My old insurance policy ( XXXX ) was canceled at XXXX PM XXXX XXXX and my new insurance policy ( XXXX ) went into effect XXXX AM XXXX XXXX. If you call, one minute a lapse time to get {$14.00} I can't believe that PNC company is that desperate. Also, on the letter that I received you show a coverage amount of {$35000.00} not sure where that amount comes from. 
My understanding is that the definition of a day is a period of twenty-four hours as a unit of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
you have gotten many many complaints from me but much remains unresolved. I am now getting postcards and letters from lawyer on foreclosure defense. yes i have no loss mititgation packet i asked for many times and i am getitng letters saying you have all my papers. there is no way you do. i am still doing it. 
and dont have XX/XX/2015 taxes done yet. i am about to send XX/XX/XXXX payment and need to work out repayment. I have written to XXXX XXXX. I want to know why i am getting these postcards and it has to stop. why am i hearing from lawyers? has foreclosure been filed? i want someone to call me after XXXX eastern XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: ENCORE CAPITAL GROUP INC.
State: MA
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:
MIDLAND CREDIT MANAGEMENT has violated these laws and my consumer rights : 15 USC 1692 ( B ) ( 2 ), 15 USC 1692 ( C ) ( A ), and 15 USC 1693 ( B ) ( 5 ). My initial communication with MIDLAND CREDIT MANAGEMENT was on XX/XX/XXXX. MIDLAND CREDIT MANAGEMENT stated that they purchase a security from an alleged original creditor. Buying and selling securities is illegal and an imprisonable federal offense. I did not sign a TRI-LATERAL CONTRACT with MIDLAND CREDIT MANAGEMENT. Also in XX/XX/XXXX, I sent MIDLAND CREDIT MANAGEMENT a cease & desist as well as an affidavit of truth. Cease and Desist means communication on all platforms including my consumer report. I sent all of these items with certified mail, and return receipts, and I have the documentation that they have received the communication signed. I have not granted MIDLAND CREDIT MANAGEMENT any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding the cease and desist of all illegal activity, any communication and collection activity of this and any alleged debts until MIDLAND CREDIT MANAGEMENT can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and MIDLAND CREDIT MANAGEMENT continues its collection efforts, I will file for litigation for actual damages caused and MIDLAND CREDIT MANAGEMENT will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am late ... almost 30 days. I went online to make payment. Wo n't let me pay just the past due amount. Its totally impossible online and with their phone system. The ONLY w ay to pay is my past due amount AND next month which is n't technically due or late yet. I either have to make 2 payments or have a 30 day late. This does n't seem right to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a second mortgage loan ending in XXXX with Wells Fargo Bank , N.A . ( WF ). I received a letter ( attached ) on XXXX XXXX, 2015 regarding this ( in my feeling XXXX preditory loan. The letter stated " During a recent review, we ( WF ) noticed there was an error in the " Year to Date '' summary section on your billing statement. '' The letter goes on to state there is no action required by me ; however no where in the letter does Wells Fargo explain exactly what the " mistake '' was, when it occurred, the amount, etc. They state that prior to XXXX XXXX, 2015 the year to date amounts paid in " Other Charges and Fees '' and " Insurance and/or Taxes. '' There is no explanation as to what " Other Charges and Fees '' or " Insurance and/or Taxes '' are? WF does not pay any funds for insurance or taxes related to my account that is handled by the first mortgage company. They have ignored my requests in the past to give a full explanation of what " Other Charges and Fees '' are? They seem to just put whatever charges on the account and expect me not to question them when they know they are wrong. Is it legal for WF to just put charges on my account without any explanation or site insurance and taxes for the account that they are not involved with nor do they pay? In the past when I have sent correspondence to WF requesting information they have ignored my letters. I am sending the correspondence from them and my response asking for additional information in the hope that they will respond and provide me what I asked.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: OH
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 disputed information that is wrong and reported inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: OH
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 disputed information that is wrong and reported inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been attempting to communicate with my servicer, Wells Fargo/ASC, since XXXX 2014. I am attempting to avoid a foreclosure by exploring some work-out options. My Single Point of Contact is almost never available. The next available agent never picks up the phone. My authorized 3rd Party Representative experiences the same issues. Wells Fargo has set up this system to guarantee a foreclosure because that is their preferred profit method. For Wells Fargo, investing resources in the loss mitigation department does not generate enough profit. Ignoring homeowners and eventually foreclosing upon them gives them the revenue satisfaction that they seek.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2016-10-07
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian is, in my opinion, ruining my credit report on purpose. I am amazed at how inept they are being about fixing their own mistakes. I have sent them XXXX letters so far, highlighting exactly what was wrong and what they needed to fix and they have been responding with ludicrous statements basically telling me that I am the one who is wrong! I AM REALLY HOPING YOU CAN HELP ME! Here are my main concerns : 1. there are several accounts that were included in my chapter XXXX bankruptcy that are still showing late payment history AND BALANCES! CAN YOU BELIEVE THAT!?? 

2. Several accounts are reporting past due statuses when they are supposed to be current or are paid completely. 

3. I do n't believe that a proper investigation was done on some accounts that are showing late payments and I believe them to be errors and the late payments should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Rausch Sturm LLP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX  hired Raush Sturm LLP to collect a debt from me. The account balance was {$2900.00} from XXXX XXXX. This action was taking after I sent my letter for cease and desist on XX/XX/XXXX. However fraud was indeed committed if the debt collector doesn't have first hand knowledge when the transaction between the original creditor and I exchanged information. This credit card company is essentially taking my social secuirty number and charging me a fiancing charge to do the paperwork equal to the amount of credit that was extended. I demand for them to show me the paperwork. I have cited several illegal actions committed. Collections Agency, can not be both purchaser and assignee- Its either one or the other ( Gearing v. Check Brokerage Corp ) 233 F. 3d 469 ( 7th circuit court 2000 ) Misrepresentation by collectors about themselves or the debt are actionable regardless of intent. 
Collections Agency if they do not validate your debt yet continue to pursue collection activity by filing for judgement, call or write you. ( FDCPA Section 809 ( b ) FTC opinion letter CASS from LeFevre ) Collection Ageny if they use any kind of harassment or abuse ( FDCPA Section 806 ) Collector must me in the county which you lived when you signed the original contract for the debt or where you live at the time when they file the lawsuit. ( FDCPA section 811 ( a ) ( 2 ) 15 U.S.Code 1692c Communication in connection with debt collection ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jusrisdiction, a collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) Subject to subsection ( c ) a
ny consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accourdance with the written instructions of the consumer to whom it relates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: ALLY FINANCIAL INC.
State: MS
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:
I paid off my Ally car loan on XX/XX/XXXX. My next statement in XXXX would have shown XXXX balance so credit report should also reflect XXXX balance but it does not

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 2015-10-19
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I tried to apply for credit, it turns out that Experian has wrong Social Security number on file for me, as a result I was denied credit, it was for my studies, now I can ca n't continue my education because of somebody else 's carelessness. My future is in lined to my credit report and i an really upset to such carelessness from Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: VA
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:
In accordance with the Fair Credit Reporting Act my rights have been violated. 

My XXXX account has been updated but showes late payments. Attachment contains a letter from XXXX XXXX say that my account has been updated. 

15 U.S.C 1681 section 602A. states i have the right to privacy.

15 U.S.C 1681 section 604A. Section 2 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 168b A creditor may not treat a payment on a credit card account under an open endconsumer credit plan as late for any reason.

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 2022-07-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
So I sent a letter off to XXXX on XX/XX/2022. My tracking number is XXXX XXXX XXXX XXXX XXXX. I also sent a letter to Equifax on XX/XX/2022. My tracking is XXXX XXXX XXXX XXXX XXXX. I have contacted them to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act XXXX2 USC 1681, I have the right to privacy. According to 15 USC 6802, no financial institution is supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have Inquiries on my credit file that I have not sign or agreed on promotional inquires and regular inquires. 

Wrong information I have Inquiries Such as promotional Inquiries and other Inquires on my credit file with out my permission and wrong information.

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 2015-07-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an address which was also fraudulently used and that is XXXX XXXX XXXX XXXX, NC XXXX are the accounts that are 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 consultant XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: NAVY FEDERAL CREDIT UNION
State: NV
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:
Navy Federal has yet to address a dispute for a billing error that was raised in XX/XX/XXXX. They were sent a total of 4 payable instruments for the balance at the time of both of my accounts. 2 instruments for each account. To date, the payments have never been applied to my credit card accounts. They have yet to acknowledge that they have received it and refuse to send it back in the case that it was not accepted. A negotiable instrument is an acceptable form of payment as there is no money since the bankruptcy of this country in XXXX. Navy Federal continues to state that I owe them money for so-called outstanding bills and repayment of the money they " gave '' or loaned me. However, banks are not allowed to make loans according to 12 USC 83. The disclosures for these transactions have security interest clauses within it. A security interest can not be given to a person if the obligor has not already fulfilled their obligation. I am requesting the original wet-ink signed contract that compels me to perform in regards to this contract. A contract requires 2 signatures in order for it to be deemed valid. I have asked repeatedly for this information and this company keeps sending me a bunch of statements. In the case that Navy Federal can not provide me with the signed contract that I am requesting, they need to stop asking for repayment. I am requesting the return of my {$700.00} down payment, as a cash downpayment is a violation of TILA pursuant to 15 USC 1605 ( a ) and 15 USC 1662 ( 2 ) Please see attachment for affidavit and notice of rescission due in 20 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: Campus Student Funding, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I lease a motorcycle like 2 years ago, my motorcycle was stolen 3 months ago already and nothing has been cleared, I call and they always have some excuse, never is their fault, they are saying I 'm 2 months behind my payments and that my insurance company has n't paid the motorcycle yet, when I have my bank statement and I fax it to them showing I have made all my payments, also I have all the paperwork from my insurance company showing the check number and copy of the check and transaction showing that they have already received the money and cashed it, THEY TOOK THE MONEY ALREADY, and they still XXXX my credit and they do n't update the information in the system, it 's seems like they want your money and XXXX you the way they can ... I filled a claim with my CREDIT REPORT and with the XXXX already, next step is going to put a lawyer in this case and they can figure it out with them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: DISCOVER BANK
State: MD
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:
To whom it may concern I have a hard inquiry on my credit report from Discover Financial SVC that was dated on XX/XX/2021. During this time I was currently being held under treatment at an Addictions Center called XXXX in XXXX MD. I have no knowledge of this report or why it's on my credit report. I've only applied for one credit card and that was at XXXX. I was denied. That's not the issue, the issues is on XX/XX/XXXX there was no possible way I could have processed that or been home for that. 

Any comments questions or concerns my name is XXXX XXXX XXXX my phone number is XXXX. My address is XXXX XXXX XXXX XXXX MD, XXXX. Thank you have a blessed day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: VA
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:
Credit report from Experian XX/XX/2022 still displaying student loan from XXXX on report as OPEN and CURRENT. I submitted a DISPUTE for ( 5 ) five XXXX accounts that were still being reported as OPEN and CURRENT in XX/XX/2022. Only ( 4 ) of those XXXX accounts have been deleted. There's one account still displaying on report which is affecting my total debt owed.

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