BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-07-13
Company: Experian Information Solutions Inc.
State: FL
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:
This complaint is in response to Experian 's completion of an investigation on report # XXXX completed on XX/XX/23. In its response, Experian stated that the company that reported the bankruptcy record has certified to them that the record is reporting accurate. Experian according to the attached disclosure from XXXX XXXX uses the information obtained from XXXX XXXX to be added to a consumer 's report. I have reached out to XXXX XXXX and they have responded that the record has been removed from my consumer report and their database the letter has been attached. I have attached a letter from the courts who stated that they DO NOT report to credit bureaus. This letter has been given to Experian on numerous occasions. Experian continues to report this record despite not validating or verifying its accuracy. I am demanding the removal of this record.

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 2017-03-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have gotten no response to calls I have left for my Home retention specialist at Wells Fargo home Mortgage. I have left multiple calls and yet no response. I have also received a letter from my Home Retention Specialist stating that we had a phone conversation. We have had no conversation at all. Please see the attached letter of complaint to Wells fargo for more detail. I have also had recent money returned {$1200.00} with a later stating not enough o make a payment then I made payment {$3300.00} and I received an email stating that it would be held for remainder of a payment? then a letter stating that I had an overage in escrow that was being held. I am trying my best after my initial complaint to Wells Fargo and the CFBPB to get my account in good standing based an error that was made on behalf of Wells Fargo Associate and his instructions to me that I followed. I am very concerned with Wells Fargo home Preservation Associates not returning my call when the voicemail says wishing 48 hours My initial voice mail was left on XX/XX/2017 still no call back. I have had my home for 17 years and need assistance. I am losing countless hours of sleep due to stress and non resolution.

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2017-03-27
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I called Experian on today XX/XX/2017, so dispute several inaccurate account on my credit report. and the rep stated that I could not dispute the items again because they were disputed once and the creditors does n't have to provide any validation of the accounts, they only have to update the information. The rep stated that its not Experians job to request documentation to validate anything and that 's my problem. the accounts that I am disputing are XXXX XXXX, XXXX # XXXX, and XXXX # XXXX due to the fact there is no contract between myself and those creditors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
statement on XX/XX/XXXX the total amount was of {$53.00}, original charge was of {$25.00} paid the XXXX on XX/XX/2023, I made another purchase of XXXX made a payment of XXXX toward that purchase, I started receiving phone call from Macys saying that my account a larger amount than to my knowledge was only XXXX I called macys credit department and once again my account was placed under investigation all the time fees had been added to my account. I have sent copies of the original stamens and payments showing that up to the point there was no balance at all. now I am being billed for {$180.00} I called talk to the associates but keep talking over my voice. Now they have reported my account to all credit bureaus '. I have no other way to defend myself for total disregard of my efforts to clear my account. 

Please help. 
Ps all payments done through store costumers services.

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 2023-07-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This is not mine. 

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 2017-03-24
Company: ALLY FINANCIAL INC.
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I received two unauthorized charges on my debit card. XXXX has already flagged the account for fraudulent activity, and provided me an incident number : XXXX XX/XX/XXXX Check Card Purchase XXXX XXXX, XXXX, US - {$130.00} XX/XX/XXXX Check Card Purchase XXXX XXXX, XXXX, US - {$180.00}

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 2017-03-11
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The collection agency agreed to remove this from my credit report

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 2017-03-03
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My pay check was deposited yesterday and at midnight tonight was to Huntington Bank. They are then showing that it is there AND the balance is showing available funds over {$1000.00} yet I cant pull money out of an ATM. I cant buy gas which I needed this morning to get to work. I almost always get gas Friday morning or afternoon as its pay day. 

I call and what a treat the automated system is to get thru to a person. 

To be told its processing. 

IT SAYS AVAILABLE! They have my money, and its reported AVAILABLE and CURRENT BALANCE. 

What is the bank in another time zone then me? If it says these words that means the present time we are both in. which mans now. Not whenever they feel like releasing my paycheck so I can get gas to get to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My name is XXXX XXXX... Chase please send me my credit card agreement associated with this account. Please note that I would like view and request the arbitration process associated with this account. Please note that Chase does not have the right to sue me as per my card member agreement this agreement has a arbitration clause.. which indicates "if either your or we choose to arbitration, neither party shall have the right to litigate such claim in court or to have a jury trial". No court has legal jurisdiction over this card agreement. Please move forward with giving me more information. Once the process has been requested I will then give you my attorney's information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Like all my other banks and financial institutions I conduct business with, I sent Chase Card Services of XXXX, Delaware, XXXX, a Change Of Address letter in writing on XX/XX/XXXX, that my address changed from XXXX, XXXX, IL XXXX To : XXXX, IL XXXX, in an effort to protect my identity under the Identity Theft and Assumption Deterrence Act of XX/XX/XXXX by making sure my sensitive account information was not misdirected to the wrong addressee. Every institution complied immediately but JPMorgan Chase & Co. To date, my neighbors are still receiving my credit card statement ending in XXXX. I believe this is because Chase Bank USA , N.A . is ran by a XXXX who delight in harassing and tormenting people of XXXX American decent as myself as this is highly inexcusable conduct. Since JPMorgan Chase & Co. / Chase Card Services / Chase Bank USA , N.A . is too incompetent to handle the financial affairs of Americans protected by the Fair and Accurate Credit Transactions Act ( FACTA ) of XX/XX/XXXX, I demand a cease and desist of my credit card activity with this bank and/or its entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020, XXXX Escrow assistant contacted me in order to assist him in contacting Chase home mortgage for the payout. We did a 3 way conference call, and I spoke to XXXX, Chase mortgage specialist and asked whether she can fax or email the payout, and she said, " yes. '' That, she will email the payout which she lied and failed to do. 
Subsequently, at XXXX XXXX, the payout was neither faxed or email from Chase mortgage department. Again, I had to contact Chase at XXXX XXXX XXXX XXXX in order to obtain the payout. Apparently, I spoke to XXXX, mortgage specialist, and informed him that XXXX failed to fax or email the payout to XXXX Escrow, and I told him that she lied. XXXX provided me the payout of {$200000.00}. He informed me that the payout will be email to me and XXXX escrow which never happened. 
I am frustrated with Chase because the mortgage specialist are incompetent and not dependable. We are XXXX veterans and retirees. Chase failed to provide the XXXX XXXX the payout prior to the closing date. Chase is unfair and prolonging this payout in order to obtain floating interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have different due dates listed on my statements and on my account. XXXX says XX/XX/XXXX, and the other shows XX/XX/XXXX. Additionally, I received an email saying they received my XXXX request on XX/XX/XXXX when I filed it in early XXXX. When I go online, it says I'm on SAVE, but it also said that PRIOR to me receiving an email saying they JUST received my XXXX  request. I have no idea what payment plan I'm on, I have no clue WHEN I owe them money, and I have XXXX faith that the bill they sent me is correct. Additionally, it's nearly impossible to get in contact with them via phone. There are insane wait times and we've experienced calls being disconnected after waiting over an hour to speak to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Americas Car-Mart, Inc.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/XXXX car loan with Colonial Auto Finance {$5200.00}. This account is now over 7 yrs, closed account, vehicle does not run. All payments were on time. Dispute was made XX/XX/XXXX with XXXX  removal was denied after request if " Goodwill Deletion ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Kriya Capital, LLC
State: FL
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:
A collection agency Credence resources management reported an XXXX debt that is not mine from XX/XX/XXXX for over XXXX under my divorced last name for which I got divorced and stop being XXXX in XXXX! 
I do not have any XXXX accounts, I have a cheap XXXX XXXX XXXX phone. I've been a victim of Identity theft. This is fraud! I have also filed a police report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10
Company: Shellpoint Partners, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I spoke to XXXX at New Rez Loan Servicing at XXXX XXXX  this eve, XX/XX/XXXX regarding forbearance on my loan # XXXX. I applied for Forbearance/Deferment as per the CARES ACT online on XX/XX/XXXX and uploaded all required docs as per their website. 
1 ) New Rez Borrower assistance form 2 ) DODD FRANK disclosure 3 ) XXXX 4 ) Bank Stmt 5 ) LOE on my income loss Tonight when I spoke with this representative via phone she used scare tactics with me and alluded to the fact that I can ONLY get 3 months forbearance and that she knew nothing about the CARES ACT and that after 3 months my options would be : 1 ) pay back the 3 months in full 2 ) Loan Modification for a 40 YR term and add 3 months to principal 3 ) Payment Plan I am gravely concerned because the CARES ACT specifically states up to 180 days and not 90 which this lady indicated.In addition, how does one pay back this amount in 90 days when they have 100 % loss of income a a sole proprietor? I do believe she was trying to get me withdraw my application by giving me grim hope of any relief and help. In addition NEW REZ is asking for documents not required by the CARES ACT to provide if hardship was due to COVID19. I am attaching their doc request forms directly from thier loan portal and proof I uploaded this. I have also received correspondence asking me to sign authorization for credit and income. WHY? this is not required. See all uploaded docs and screen shots of what I provided and mailed back. 

CARES ACT reads : if you experience financial hardship due to the coronavirus pandemic, you have a right to request a forbearance for up to 180 days. You also have the right to request one extension for another up to 180 days. You must contact your loan servicer to request this forbearance. There will be no additional fees, penalties or additional interest ( beyond scheduled amounts ) added to your account. You do not need to submit additional documentation to qualify other than your claim to have a pandemic-related financial hardship. 

I am asking for CFPB to investigate this servicer and their internal practices of FEAR based lending to their borrowers. It is especially important now more than ever when many of us are vulnerable, feel helpless and need financial help so as to keep our home. I would much rather be working and paying my bills then having to feel lost and abandoned. It is unfair and somewhat discriminatory against those of us who are in this position to make us feel like we have no options and to ask for documents not legally required in CARES ACT. They should be fined for this privacy issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have had several banks over the years go under or get in trouble and we get sent to a different lender. Some times we pay the payment and then it gets frozen in the other banks account by government and then it takes months to show we paid in the mean time we have proven we made it cause it is on bank statements, yet the new lender would charge us late fees. We went to court over it 2 years ago with XXXX and thought they were to remove the fees move the payments and the new lender was going to lessen the amount since they had increased fees which was not due to anything we had done. Not having a lawyer we could not fight them and so we paid the amount sent to us even though other paperwork we had showed a lessor amount. We would receive foreclose paperwork every month and when I would call they would say disregard it is sent automatically and since we had paid the payment it was no longer actively being pursued. When we asked why our payment was higher than what was agreed upon in court they would give us a comment like taxes went up but when we called clerks office they had not, then it was insurance increase, we called no it was the same. We had a decrease in pay with my husband losing his job after XXXX and being limited to weight he could lift, FMLA ran out and the job let him go saying he could return once his limit increased but they no longer would hold his job. We missed 2 payments I sent in letter saying what had happened and said we would pay those payments over time and we had been, we were paying our monthly payment but we also were getting some late fees each month. We received notice of possible forecloser again so I called again and they said we will cancel it and send out a notice of what was owed to get caught up. When we received it the amount showed XXXX missed payments so I again called. They told me they had declined my last 2 payments and needed to contact XXXX to receive the money. That was for XXXX payments 3 months before. I asked why we had just now been informed and only after I called to find out. XXXX is who sent me a notice I had money to come get not them. We were told we had until XX/XX/XXXX to decide if we wanted to pay the fees of over XXXX and start making payments again or they would proceed with foreclosure yet 3 days later we received court papers for the foreclosure. We want all documents they have to explain all the fees they say we owe and where they got the amount from. Please help us. We did contact a lawyer but they said this was our first step. We have worked so hard over the 10 plus we have been in our home and feel we are being bullied by cooperation. We pay our payments when others just walk away leaving the home we have worked so hard, put our own water lines and electric lines in, did our own XXXX foot driveway, cleared the home site ourselves with a small yard tractor. 
Thank you, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The USAA SVG BK failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
USAA SVG BK XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation