BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-02
Company: Lending Club Corp
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid my loan off with them in XX/XX/2020. In full. I am still receiving emails from them stating my payments are over due. The account still shows {$21.00} is owed on my credit report even though they have said over the phone it has been paid off. They told me it was a glitch in their system and everytime I call I am told it will be fixed within the next week. Now we are in XX/XX/XXXX and it still has not been fixed. My husband and I are trying to get a home and its affecting my approval rates with it still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/2020 I contacted Equifax via mail to dispute inaccurate accounts on my report. On XXXX XXXX, 2020 Equifax received my dispute via USPS certified mail tracking, and I have not received any dispute results or investigation into this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, 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:
I submitted a letter to the 3 Credit Bureaus to fix 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Exeter Finance Corp.
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: Credit inquiries on your report that you don't recognize

Complaint:
accounts are old and no longer valid on my report as well as a few where ran with out my consent when shopping for home loands and cards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The company is Rushmore Loan Management. I fell behind on my mortgage after my hot water tank and dryer broke, and cellar flooded in XX/XX/2022. To add to the challenges, my fianc was diagnosed with a rare type of XXXX XXXX. With an income of only {$1500.00} a month, I had to deplete my savings to cover the expenses of buying new appliances and dealing with the floods. Additionally, I had to bear the burden of taking my fianc to numerous XXXX and XXXX treatments XXXX miles away, sometimes on a daily basis. 

Paying the loan has become even more difficult due to the fact that they don't accept debit card payments. I've exhausted my life savings, and now they're suggesting another loan modification that might increase the interest rate. Despite agreeing to almost double my mortgage payment to catch up, it hasnt worked I fell behind again. Moreover, they incessantly call me at all hours of the day, creating additional stress. 

Well, that's my rant for the day!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: JPMORGAN CHASE & CO.
State: TX
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:
XX/XX/XXXX Formal Complaint : CHASE BANK XXXX HANDLING AND RESPONSES TO THE CONCERN WERE INSUFFICIENT AND OTHER PROCESSING ERRORS NEED TO BE ADDRESSED On the two nights of XX/XX/XXXX and XXXX, XXXX, we stayed at a hotel, XXXX XXXX, located at XXXX XXXX XXXX in XXXX VA. The rate confirmed upon booking several weeks prior was {$79.00} per night. We authorized a charge of {$150.00} for the two nights upon checking out. However, two transactions charged to our card XX/XX/XXXX : one for the proper {$150.00}, and an additional charge for {$79.00}. We contacted the XXXX XXXX regarding the erroneous {$79.00}. The hotel manager, XXXX, searched his records thoroughly, and advised the hotel only charged the card once, for {$150.00}. XXXX assured us there was no record of the additional {$79.00} being charged to us at the hotel, and without a transaction to reverse on his hotels systems, that our only option is contact the credit card company for resolution. The two nights of XX/XX/XXXX and XXXX, XXXX, were our only visit to XXXX to this day. 

We then contacted Chase Bank in an attempt to resolve this concern. We were advised the improper {$79.00} charge would be immediately credited back to the account during the investigation. However, a credit was never applied to the account from Chase Bank. We were told we would receive a call within a few days after initially presenting this concern. We received a voicemail several weeks later while at a dentist, and we returned the call and left a message to call us back, but never received another call back. We then received the included letter dated XX/XX/XXXX, from Fraud Department, stating we received benefit from the transaction, which the letter indicates occurred in XXXX, for {$79.00}. To make things worse, Chase then charged our card {$79.00} again XX/XX/XXXX, as shown on the statement, with a Purchase dated XX/XX/XXXX likely a processing error attempting to offset a credit we were promised in XXXX but never received as shown on the included Statements. 

Upon receiving the XX/XX/XXXX letter, we again contacted Chase Bank to resolve the concern of the now XXXX erroneous {$79.00} charges. However, Chase provided no resolution in the response from XXXX XXXX XXXX dated XX/XX/XXXX, included with this complaint. Instead, the letter just says their latest review confirms the previous findings. 

Enclosures : XX/XX/XXXX Statement showing the authorized and disputed charges XX/XX/XXXX Statement XX/XX/XXXX Statement XX/XX/XXXX Statement showing the additional erroneous charge XXXX  XXXX Receipt Chase Response # 1 dated XX/XX/XXXX Chase Response # 2 dated XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SELECT PORTFOLIO SERVICING IS THE CREDIT COLLECTION COMPANY COLLECTING FOR - XXXX Bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Select Portfolio Servicing, BXXXX  XXXX XXXX XXXX XXXX is committing Mortgage, Deed, Assignment of Mortgage, Bank And Securities Mortgage Foreclosure Fraud by obtaining a Default Foreclosure Judgement on XX/XX/XXXX. XXXX in XXXX XXXX of Common Pleas instead of providing Consumer Relief per sanction given on XX/XX/XXXX by the Department of Justice. Im currently in Pa XXXX XXXX XXXX XXXX on a Appeal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: Diversified Consultants, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I switched phone service from XXXX to XXXX having paid my final bill ( approximately {$350.00} ) and having returned ALL my XXXX equipment. This was in early XXXX of 2018. Subsequent to that, I received another final bill from XXXX in the amount of {$2300.00} and change. I contacted XXXX to dispute the erroneous billing and was told by the XXXX Customer Service Rep ( XXXX XXXX ) that I would not receive any further billing. Since that date, I have received no further communication from XXXX with the exception of the emailing of the transcript of the chat, which states, " I have successfully escalated the issue to my higher level team and put the notes in the account. You will not receive nay further bills. Be rest assured. '' As you can imagine, it was quite a surprise to learn that just a few weeks ago ( on or about XX/XX/XXXX, XXXX handed the account over to Diversified Consultants of XXXX who immediately filed a collection action with the XXXX. Neither XXXX nor Diversified sent any letter or email notification of their claim. In fact, it seems that Diversified has a habit of not providing the required written notice of a collection action. No written notification was received in my case. What they typically do, and did in my case, was wait until the see a credit inquiry for a home loan and then file a derogatory collection claim with the credit bureau - XXXX  in my case. Again, this is very dishonest and what they did in my case and have done on other cases according to information available in your records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them 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 2023-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Company was Wells Fargo they had our home mortgage, we fell behind because I was XXXX  We tried to work with Wells Fargo. To get caught up and they kept denying that we had paperwork turned in. And then when we turned it in it got lost or transferred to another division. So we got the runaround. This was about in XXXX or XX/XX/2014. And it was around {$15000.00} that they wouldnt work with us.

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 2020-03-12
Company: Second Round Limited Partnership, Austin, TX Branch
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was sued by the Second Round Sub. LLC claiming that I own money for XXXX XXXX. I attempted to communicate that I did own the debt and requested to provide me authentification and the contract agreement that bears my signature. However, they asked the court for the judgment and it was granted without showing proof. After I researched I found out that the Second Round Sub , LLC buys a debt consumer do not own or paid off ones.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
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: Investigation took more than 30 days

Complaint:
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one ACCOUNTS CPS/MAIL XXXX PREFERD XXXX INQUIRIES DMSI/AUTO YES XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX TOTAL MERCHT XXXX/XXXX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX A XXXX XXXX XXXX XXXX {$760.00}

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 non-monetary relief
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$89.00} XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$8600.00}

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 non-monetary relief
Consumer complaint received 2022-02-12
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: Was not notified of investigation status or results

Complaint:
Reviewed my credit report and there is inaccurate information that has been reporting. I'm a retired veteran and need assistance with housing and these inaccurate remarks is hindering me in getting the help that I need for me and XXXX that is sick and has had XXXX strokes in the past year. Could you please help and make sure these accounts are updated and all negative and collections are removed immediately thanks so much.

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 2023-03-13
Company: EQUIFAX, INC.
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:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I got tired of Wells Fargo changing my transactions around so they can charge me overdraft fees, and I closed my account.

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 2022-02-14
Company: Genesis FS Card Services, Inc.
State: PA
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:
I lost my job after all government funded programs from the stimulus bills and everything else have ended in XX/XX/2021. I at that time had a credit score of XXXX  I now have a credit score of XXXX. I have a total of six credit cards they were taken out to rebuild my credit which I did when I had a good job paid them all 100 % on time and in three months time of not being able to pay none of them would lower my payment would take a partial payment or just stop the interest from building. So now I am totally screwed and 8000 and {$400.00} in debt unbelievable. And I waited for my unemployment for 23 weeks so I couldnt even pay the minimum when I was fired from my job unfairly I might add which I finally won the case of unemployment after 23 weeks of no money from any of you. I will list the credit card companies I dont think it really matters because whos going to pay my {$8000.00} back it sure aint gon na be Pennsylvania.

2cards -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Genesis Card Services is a disgusting company that would literally take your last dollar and leave you on the street thats genesis card services whoever owns that should be I dont know put away for just being a thief to low income people. {$8400.00} is my now total owed. Do you know what it is before I got fired 2160 bucks thats what it was and now since I got no unemployment for weeks and lost my job unfairly I owe over {$8000.00} that is disgusting in this country and I paid every bill on time so I could build my credit to a 700 from nothing I started at where I am now 400 this country makes me sick with that stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In XXXX this year my home mortgage with XXXX XXXX was deleted from my Experian credit report and my XXXX score went down from XXXX to XXXX I call both XXXX XXXX and Experian and both are blaming each other and neither XXXX XXXX or Experian are fixing the problem. I try numerous times with both company 's to get an explanation and we went nowhere. Your help in this matter will be greatly appreciated. 

Thank you 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 2022-12-28
Company: AES/PHEAA
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: Account information incorrect

Complaint:
I reviewed my credit reports and all three have multiple inaccuracies, they are reported that my Fed loans are XXXX and 160 days late but there are no XXXX or 60 days payments reported. I believe these are violations of the FCRA. and have requested in writing multiple times that there inaccuracies be corrected or removed with no action being taken. I am requesting these late payments be removed from all three of my credit reports and new reports with undated information be sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I have wellfargo and Im always charged XXXX overdraft fee or XXXX atm withdrawal fee

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 2020-03-12
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax has failed to send dispute results and is reporting the following items inaccurately ( see below ). This violates the FCRA. I have included information to update my address. 

ACCOUNTS XXXX XXXX not mine XXXX  XXXX XXXX not mine USD/XXXX  XXXX not mine XXXX  XXXX XXXX  XXXX {$110.00} not mine XXXX XXXX  XXXX {$380.00} not mine XXXX   XXXX XXXX {$490.00} not mine XXXX XXXX {$610.00} not mine XXXX XXXX {$20000.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Experian Information Solutions Inc.
State: CA
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:
this account is in the amount of {$2200.00} it was first listed on my credit with XXXX then sold to XXXX XXXX I turned in all the necessary paperwork proving that is was fraud it was removed from my credit then 30 days later it was back on my credit report with XXXX   XXXX  I have called them several times and all I have got is a answering, machine

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 2018-08-20
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX has been non-compliant with removing the unverified account ONEMAIN which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that ONEMAIN was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation