BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-04
Company: Selene Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our mortgage was sold to Selene by XXXX the summer/fall of last year. My husband is on permanent XXXX due to XXXX, and I am unemployed ( Covid-19 related ). I was able to find a part time job, but not nearly the same amount I was making before Covid, plus the job is a grant-funded position. We were under forebearnce with XXXX and was at the beginning of applying for a modification when our mortgage was sold ton Selene. My husband also is under XXXX XXXX bankruptcy. 

Weve tried to work with Selene numerous times on a loan modification. We have a XXXX XXXX XXXX son and nowhere to go if we lose our home. Selene sent my husbands bankruptcy attorney a modification, whereby we had to make one payment and then Selene would give us a permanent modification and agree to esponge my husbands bankruptcy records. We held up our end of the bargain, but Selene hadnt. They told the attorney they sent the modification in error, even though we paid the amount in the mortgage and have been paying the regular mortgage amount since XXXX of XXXX. Worst of all, the money we paid has been reversed by Selene, but we havent gotten any of it back. They are impossible to reach and when we did get a representative, we were told they couldnt speak to us about our own account.

The bankruptcy judge says he cant force them to uphold the agreement and we have yet another court date. We dont know what to do. It seems like Selene isnt interested in helping us keep our home, but wants to foreclose on it. We have a young son and need to keep our house. We want Selene to honor the trial modification they sent us. Weve done our due diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Navient Solutions, LLC.
State: NJ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My daughter has a loan with Sallie Mae. I am a co-signer. Times are bad so we did fall behind on the payments. I am helping her by making catch up payments for her account. In XXXX I talked to Sallie Mae loan dept to tell them of this. They kept asking for more payments as we spoke saying they did not receive recent ones. I told them I can not, but will continue the monthly pay. Tho they repeated they did not receive my last payment, my bank records did show the pay went thru. The staff was either lying or ... ..On XX/XX/2019 Sallie Mae called my wife, -- 5 times in 3 minutes -- son, brother and sister in law -- not even same last name -- to tell me to pay. BUT ... did NOT try to call myself or daughter. Shrug? Sallie Mae calls show on caller ID as unavailable. calls come on weekends but when trying to call back says only open Monday thru Friday. This tactic is harassment and will not result in my ability to afford to repay faster.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX Credit Card provoked a dispute with me in late XX/XX/XXXX. I discovered that even though it resolved in my favor, they continued to mar all three of my credit reports with a statement about it. I asked XXXX to stop reporting it via a phone call in XX/XX/XXXX. They did not. I have detailed what happened under the complaints XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX - XXXX, XXXX XXXX - Experian, and XXXX XXXX XXXX XXXX. I am complaining again because I was not satisfied with any of the responses.

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 2023-02-23
Company: Experian Information Solutions Inc.
State: MD
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter to dispute the inaccurate information that has been reported to the credit bureaus regarding my credit history. After reviewing my credit report, I have found that several creditors have reported negative information that is inaccurate and has damaged my credit score. 

Firstly, XXXX reported a charge off account with the account number XXXX. I have never had an account with XXXX, and this information is completely inaccurate. 

Secondly, XXXX XXXX XXXX reported a charge off account with the account number XXXX. I have no knowledge of this account and it is likely that this is a case of mistaken identity. 

Thirdly, XXXX has reported a collection account with the account number XXXX. I have no recollection of any outstanding debts with XXXX and have never received any communication regarding this debt. 

Fourthly, XXXX XXXX has reported a charge off account with the account number XXXX. I have no knowledge of this account and have never conducted any business with XXXX XXXX 

Fifthly, XXXX XXXX XXXX reported another charge off account with the account number XXXX. As mentioned previously, I have no knowledge of this account and it is likely that this is a case of mistaken identity. 

Sixthly, XXXX XXXX reported a charge off account with the account number XXXX. I have had a credit card with XXXX XXXX, but I have never missed a payment or had an account go into charge off status. This information is inaccurate and damaging to my credit score. 

Lastly, XXXX XXXX has reported XXXX charge off accounts with the account numbers XXXX and XXXX. I have never had any accounts with XXXX XXXX and this information is completely inaccurate. 

I believe that these inaccurate and damaging reports violate my rights under the FCRA, FDCPA, FACT ACT, TILA, RESPA, ECOA, and FCBA. I am requesting that these accounts be removed from my credit report immediately and that any damage caused to my credit score be rectified. I am also requesting a written confirmation from the creditors stating that they have removed these accounts from my credit report. 

Thank you for your prompt attention to this matter. 

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
Consumer complaint received 2022-04-04
Company: Viking Client Services
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/22 {$890.00} Spoke with company XXXX  XXXX XXXX on the phone with debt collector Viking Client Services they told the debt collector I dont owe them any money or see anything went in to collections and the debt collector still trying to get money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: BlueChip Financial
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took out a loan on or about XX/XX/18 in the amount of XXXX dollars. I have been making bi weekly payments on it on my due date in the amount of XXXX. I asked to skip 1 payment and I was granted it. Then I asked for a payoff amount on XX/XX/18 which resulted in the amount of XXXX. That is a ton of money given that I have been making payments on this since XXXX. I feel as if my amount requested and the amount I have been paying has not made a dent in the my loan. I am underwater here and trying to make it work out. I don't believe it is right for them to have to charge me such a high finance rate and almost triple the amount owed if I make the correct amount of payments on it. I can not find my loan number on my agreement either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: TD BANK US HOLDING COMPANY
State: MI
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:
On XX/XX/2022 my email and phone were hacked and my credit card was compromised. I promptly changed my contact email and phone number with the credit card account online. 
No response was obtained from the company ( TD Card services ) till I received a letter 4 days later stating they had frozen the account for suspicious activity. 
Several attempts from XX/XX/XXXX through XX/XX/XXXX with XXXX department of TD Card services resulted in the following responses from them : XXXX. Unable to verify your number, go to branch. 
XXXX. When I indicate that there are no branches in my state or neighboring states, they responded to fax verification documents. 
XXXX. Every customer service rep ( XXXX ) I spoke to over several days had differing information about acceptable ID. 
XXXX. Even after sending ( and verifying receipt ) of the documents on XX/XX/XXXX, they did not respond ( despite stating XXXX hours business day response ). 
XXXX. On XX/XX/XXXX, I reached out to TD Card services, and they stated they had received the documents but had not reviewed/escalated and stated they would right away and to call back. 
XXXX. On XX/XX/XXXX, I called back and the rep first stated : I should go to a branch ( see # XXXX ), then I need to send documents ( see # XXXX ), and then " escalated '' to a manager, who apparently said they would review the documents and to call in XXXX business days again ( see # XXXX and # XXXX ) .Also, the rep declined to give me a case number and asked me to call back. 
Note : every call to them results in hold times of : XXXX mins, XXXX min, XXXX hour XXXX min. 


As a result, almost XXXX weeks into my compromised card, TD Card services has neither reviewed my case, or my documents, keeping on pushing out the resolution. I am unable to access my account, confirm if fraudulent charges exist or not, nor have replacement cards sent. 
TD Card services has not done anything along the way either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: TX
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-08-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My wallet was stolen and my identity. A XXXX  XXXX  was open by someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: AES/PHEAA
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I registered for XXXX XXXX XX/XX/XXXX. Classes began XX/XX/XXXX. I withdrew in writing XX/XX/XXXX. XXXX XXXX XXXX, Director of Student Accounts was supposed to return all money sent to the school on my behalf. The enrollment application was fraudulently executed. The application needed all signatures. If any were lacking, the agreement would not be binding. The Administrative Official did not sign. The Department of Education and XXXX XXXX should not have sent money to XXXX XXXX. They should have noticed that oversight. The address for XXXX is XXXX XXXX XXXX, XXXX, Pa XXXX. My major was XXXX XXXX. I have received letters for ten ( 10 ) years. I have written Senator XXXX, loan officers via certified mail, XXXX XXXX. I sent a certified letter XX/XX/XXXX requesting all collection efforts to cease. My information was returned and denied. According to my documents the balance is XXXX.  Everything is ignored. I have kept all documents from this school and loan companies and cards from the certified letters. My social security number was on many of the forms, violating HIPPA. I want my record restored and negative information removed from the credit agencies. XXXX XXXX is sending letters. They were sent certified letters XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: WELLS FARGO & COMPANY
State: CO
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: Card was charged for something you did not purchase with the card

Complaint:
I was issued XXXX XXXX Debit card ending in XXXX which happened to be a fake one, not associated to me records. I turned this fake fraudulent card to a bank in XXXX at XXXX XXXX The real debit card end in XXXX has been used for over 150 transaction without my authorization or consent. My case was denied because they say I authorized this transaction which impossible because I never had that card ending in XXXX. 

They have been un willing to connect to explain or reasoning for this arbitrary decision. This effects my credit and my identity. 

Wells Fargo also seem very un concerned that the fake debit card I returned was an issue. 

I would like my case to approved in a more timely manner and Wells Fargo held accountable.

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 2018-04-10
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I have requested validation of the late payments for my student loans with XXXX and XXXX XXXX XXXX XXXX on my credit report. I received deferments and forbearances, which all were back dated. The FTC advisory opinion interprets Section 623 ( a ) ( 2 ) of the FCRA as how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. The late payments do not reflect my in school status.

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 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My wallet was stolen and my identity. A XXXX  XXXX  was open by someone else.

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 2023-06-09
Company: Experian Information Solutions Inc.
State: NC
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 am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX  Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/, XXXX Date of Inquiry XX/XX/, XXXX  Date of Inquiry XX/XX/, XXXX XXXX Date of Inquiry XX/XX/, XXXX  Date of Inquiry XX/XX/, XXXX/XXXX XXXX Date of Inquiry XX/XX/, XXXX XXXX XXXX Date of Inquiry XX/XX/, XXXX XXXX Date of Inquiry XX/XX/, XXXX  Date of Inquiry XX/XX/XXXX  & XXXX XXXX XXXX Date of Inquiry XX/XX/

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 2023-07-24
Company: AMERICAN EXPRESS COMPANY
State: NC
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:
The charge was made with American Express XXXX card on XX/XX/12 to XXXX XXXX for {$12000.00}. This card is not now active as XXXX visa took over the XXXX credit card business. Having called both companies in trying to resolve the complaint they each say it is the other companys responsibility. The run around. I understand that XXXX XXXX was convicted of fraud. A long with XXXX XXXX and XXXX I have called serveral times to resolve issue. Both companies say they can not find the charge because of the length of time involved. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to the bank After my shift was over in a XXXX I walked over to the machine I had three stacks of money the first stack was {$77.00} and that went in perfectly into my account the machine was out of receipt paper it offered to send the receipt to my email I refused because I trusted the machine to count my money and put it in the account the second time I went to use the machine I put the money in the machine it counted it it never show me how much I put in the machine and then it kept saying please wait an then the machine spit out my card and it never went in my account or was counted for .. I went to the bank after I called them first thing in the morning the woman there told me that I need to know how much money I put in there I told her that it was late and I was tired and I was drinking and I trust the machines to put the money in the account and I trust machine to count my money she just told me that she would just put a dispute in and then she told me that its my job to know how much money I have putting my account So I asked her theres no way for you guys to check the machine to find out where that missing money went and she basically told me she couldnt help me and earlier in the morning when I first called the woman hung up the phone I just feel like they were unprofessional and they didnt try to do everything they could to help me the other woman made it seem like I just lost money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Paypal Holdings, Inc
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
It all started three months ago when I had filed a claim with PayPal for a purchase I never received from XXXX XXXX. Of course, because I never received my item I figured PayPal would help me recover my money with the claim as it wasnt my fault and PayPal reassured me I would receive my money as it wasnt my fault. After three months I got my final answer and told me they would not cover the chargeback as they claimed I was a reseller. Not to mention through those three months they had very bad community on and never kept me up to date. They never gave me evidence of me being a reseller. I bought one pair of shoe size XXXX for {$150.00}. I was excited when I bought it as it was a personal pair. Its ridiculous what PayPal is trying to do and claim everyone is a reseller if they make a claim from XXXXXXXX XXXX so they wont be liable to repay the customer and a easy way out for them. I contacted them again after receiving the final answer and asked what can I provide to prove Im not a reseller and they never answered and completely ignored my question. I am not the only person having the same problem as thousands of people are out of so much money. Even the FBI is now involved with the XXXX XXXX situations and yet PayPal wants to side with XXXX XXXX and not repay its customers.

Company response to consumer: Closed with explanation