BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-21
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My mortgage servicer, Specialized Loan Servicing ( SLS ), approved me for a covid forbearance in XX/XX/XXXX due to loss of income. I received numerous extensions until XX/XX/XXXX when I was told they would not extend it again and I needed to make a lump sum payment to be current on my account. I explained that I did not have enough money to become current but was able to pay enough to be within the terms of their repayment plan. I spoke to a customer service agent named XXXX who processed the payments I made to be within the terms of the repayment plan and set up the repayment plan with me. He said I would need to make my regular mortgage payment amount every month in addition to an extra {$1000.00} from XX/XX/XXXX through XX/XX/XXXX. He assured me that since I had agreed to this workout plan that it would not be reported to the credit bureaus and I would not receive late fees. He set up the first three payments which were automatically deducted from my bank account the exact days we agreed to every month. He called me back at the beginning of XXXX to set up the remaining 3 payments which would be deducted at the end of XXXX, XXXX and XXXX of XXXX. I expressed concern to him over a letter I received from SLS stating my account was delinquent and he said that is automatically triggered but not to worry about it since I had done everything I agreed to and had made all of the workout payments on time. Yesterday I suddenly started receiving alerts from my XXXX account stating I had derogatory marks on my credit and my credit score fell XXXX points. This happened because SLS reported me as being 120 days past due and also is reporting that the full amount of my mortgage is also due. I called SLS first thing this morning and spoke to multiple people. They are refusing to fix this error until I am current on my account, which wont be until the beginning of XXXX when my repayment plan is completed. As I was writing this I received another alert that they reported the full amount of my mortgage as a past-due balance. They are ruining my credit and I have done everything I agreed to.

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 2023-01-20
Company: Exeter Finance Corp.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a vehicle with XXXX XXXX of XXXX, Louisiana under the impression that it had no mechanical problems. I had the car running for one month straight before problems start occurring with the transmission. I spend hundreds of dollars getting the car towed from one shop to another until the XXXX XXXX had a spot available. It was told to me from the make of the vehicle dealership that the transmission had previous transmission problems since the last owner and that was their reasoning for trading it in. I was presented this vehicle from the salesman under the impression that the vehicle was cleared with service. Before I drove off the lot with the vehicle I kept it in their possession for clearance with service an extra day and I was still lied to about the mechanical problems. I called and spoke with walker XXXX 's used car manager and he stated that he would give me a call back to see if there was a possible solution and I haven't heard anything back. I also contacted the finance company and they also knew that the car had computer system problems before they sold it to me. My contract has already been breached by default due to the salesman mixing a cash transaction with a credit consumer transaction. I traded in my old very reliable XXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXX XXXX  with a XXXX cash deposit totaling XXXX for my down payment. I would like every cent of my down payment back immediately as well as a resolution for cancelling the null and voided contract ASAP! A finance charge has nothing to do with a cash transaction per 16 USC 1635 as well as any interest payment and insurance as it is already included in the finance charge. I was not aware, told nor given time to fully read my contract. I was pressured to sign quickly although the sales manager also spelled my name incorrectly on documents that I still have a copy of and can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
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:
Chapter XXXX bankruptcy reflected on credit after 7 years. Reference # 's 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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 non-monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo charged me over {$3000.00} in over draft fees on an account I declined over draft privileges on. I have spent countless hours on the phone and at bank branches for months trying to solve the problem. They refunded {$1800.00} approx. and 2 employees stated I would get the rest back. Once it went up the chain I was told I was lucky I got that back and they would not refund anymore. They caused me many missed hours at work between the phone calls and branch visits. I want all my over draft fees refunded.

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 2022-06-04
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions The information listed, which appears on my credit report does not relate to any transactions that I have ever made. Also under the Fair Credit Report Act section 604 15 U.S.C. 1681b ( 2 ) states ... Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances they need to show written instructions of the consumer to whom it relates. That right there alone is in violation of the FCRA 604 15 U.S.C. 1681b ( 2 ). I Never gave permissible purpose to even create a report for these fraudulent accounts below, they have to have my written intructions. I will need them to produce a contract in a affidavit form between me and the accounts showing that i granted them permission to furnish these reports in the first place. And if they had that permission I will need a senior executive to produce an affidavit to me. The affidavit also needs to be noterized by a senior executive showing that i granted them permission in the first place.

Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: IN
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 is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2023-01-20
Company: Experian Information Solutions Inc.
State: AZ
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 was identity thefted, I sent all reports and exsperian refused to fix my report and has refused to help me for years now. I've told them over phone, online, and mail what's wrong on my credit report, and I have emails proving XXXX refused to help me after a XXXX disputes and complaints I've still having issues, it has caused me to be homeless, to loose everything They refuse to remove fraudulent accounts from my report and refuse to fix my name, ive sent paperwork over a XXXX times. The yve called me a liar.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I owed less than XXXX i called and asked the bank to lower my payments due to personal financial hardship and even after agreed my car was repossesed and i was sent a payment booklet to pay off the loan

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 2020-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 wife was trying to trade her vehicle in for a newer model and was told from the salesmen that she could not make any trade. She asked why and he gave her no explanation. We then both pulled our credit for ourselves on XXXX  XXXX and there are many joint, unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen our identity and I need these things deleted from my credit report. 

XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX {$920.00}

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 2023-01-20
Company: ALAMEDA MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Why do you think that this loan was a meeting of the minds. I got this loan for a stated purposeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You knew that. You made assurances to a XXXX  knowing that. You know of the lawsuit I filed prior to signing the loan docs. The law suit states I will not give up my right to court. But the loan not only takes away my right to go to court but also goes against public policy by causing a default if I report any crimes that your XXXX XXXX XXXX  Then the loan takes away any remedy a judge XXXX find. You demand repayment of any law suit I win against you. 

There is no way that there was a XXXX XXXX XXXX XXXX and you knew that. It was an active concealment on your part to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  That is fraud!!! 

Why do you think that is ok to continue to do and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received emails on XX/XX/XXXX regarding an online XXXX XXXX XXXX XXXX account was opened in my name with Bank of America I tried calling for 2 days to no avail. finally called a bank location on XXXX XXXX in XXXX Ma. Was given an appt to come in on XX/XX/XXXX. During my appt with XXXX we entered my ss # and nothing came up.He tried calling their fraud division couldn't get thru. I called when I got home agreed to a call back. When they called back call was disconnected and they never tried me back. Now Saturday XX/XX/XXXX I received a letter from the bank with the entire account #. I went to the bank today XX/XX/XXXX spoke with XXXX XXXX and her mgr. my ss # now is attached to this account we discovered the email and phone # they attached to this account neither are mine. My email address is XXXX and my phone # is XXXX. The email and ph # on the account is XXXX ph # is XXXX. I do have a call into Bank of america fraud division ... ..again. The branch told me because it was opened on line they can not close it. I am also calling Social Security office to flag my ss #.

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 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hard inquiries that are invalid and incorrect on my credit report XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto 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 non-monetary relief
Consumer complaint received 2021-02-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have been trying to file an unauthorized wire transfer and Chase has not allowed me to file the claim nor provide me with the paperwork to do so. I have been trying to file an unauthorized wire transfer and Chase has not allowed me to file the claim nor provide me with the paperwork to do so. They are violating every right I have as a customer and are going against their companies policies. Transaction Reference Number : XXXX Date of Transaction : XX/XX/2020 Amount of Transaction : {$31000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
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: Account status incorrect

Complaint:
this account should not have any negatives ( late payments ) i have even received a letter from the creditor for which they have approved of this being ok to be removed. 
please help me to remove this negative from experian credit reporting agencies thank you letter 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 non-monetary relief
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to bring to your attention a matter of great concern regarding the multiple attempts made to rectify the issue of a late open account at your esteemed institution. I would like to express my disappointment with the handling of this matter, and I believe it is imperative to address it formally. 

I initiated the process of opening an account with your bank. Unfortunately, due to circumstances beyond my control, there was a delay in completing the necessary documentation, resulting in the account being opened later than anticipated. 

I contacted them to explain the situation and inquire about the necessary steps to rectify the delay. The representative assured me that the matter would be promptly addressed, and I was given a timeline for the resolution. 

To my dismay, despite the assurances provided, the issue persisted, and I found it necessary to contact your customer service department to follow up on the status of the correction. Regrettably, each time I contacted your institution, I received conflicting information, and the matter was not resolved within the promised timeframe. 

This continuous inconvenience has caused me considerable frustration and has raised questions about the efficiency and reliability of your institution 's customer service and account management processes. As a customer, I believe that timely and accurate resolution of issues is fundamental to maintaining a positive relationship with a financial institution. 

I request that you investigate this matter thoroughly to understand the root cause of the delays and provide a detailed explanation of the steps taken to prevent such occurrences in the future. Additionally, I expect a formal apology for the inconvenience caused and a clear outline of the measures that will be implemented to rectify this situation promptly. 

I appreciate your immediate attention to this matter and expect a comprehensive response within the exact timeframe of receiving this letter. Failure to address this concern adequately may compel me to escalate this issue to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to correct the account : XXXX XXXXXXXX XXXX XXXXXXXX Opened XXXX. XXXXXXXX XXXX Balance : {$10000.00}.

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: 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:
In Accordance with the fair credit reporting act XXXX Accounts has violated my Rights. XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX Affirm XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX, NA XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX  15 U.S.C 1681 Section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. section604 15U.S code 1681B, Section605A 15U.S code 1681C-1, Section 605B 15 U.S code 1681 C2

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Any time I have money in my account, takes everything out the next day, and then it lets me know I do not have enough money to pay for items, so its hard to overdraft me each day that I dont have the money in my account. But I was informed that I would not overdraft me because I turned overdraft off.

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 2023-10-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
These accounts in my report are hurting me because they are fraudulent. 


XXXX  XXXX XXXX XXXX XXXX  XXXX {$580.00} XXXXXXXX XXXX  XXXX {$3400.00} XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX {$15000.00}

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