BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-23
Company: WELLS FARGO & COMPANY
State: RI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Predatory practices Issue started XXXX until the present Over {$50000.00} Wells Fargo attempted to escalate several foreclosures on property cooking their books changing ledgers and entries not applying mortgage payments to account stealing and not reporting over {$45000.00} in an escrow account or my activity report of XXXX XXXX repair funds from vehicle impact to the residence. XX/XX/XXXX Continually lied several statements to the Controller of Currency about having the funds and managing my account until I showed Wells Fargo the evidence I had of all my allegations humiliating me and defaming my character to obtain my claim funds meanwhile escalating foreclosures. Whereabouts pictures and documents and receipts of completed repairs had been submitted for over one year Where they finally admitted to taking the money XX/XX/XXXX Heinous way of obtaining funds by way Wells Fargo 's endorsing a check to me for the deposit, Wells Fargo tactic to put something on check for fraud to alert my bank and have proceeds sent back to them. 
Wells Fargo targets minority victims causing more financial hardship where safety and health concerns were a factor and egress to property no front entrance mail delivery was an issue and violations. My credit and reputation were compromised family member was placed in a XXXX home due to Wells Fargo 's actions Wells Fargo 's public notices of foreclosures made my property a target of vandalism and theft. causing security concerns and stress. Wells Fargo has done much more it is a criminal enterprise, not a bank.

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 2020-09-24
Company: ID Analytics, 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: Personal information incorrect

Complaint:
I applied for an XXXX XXXX XXXX which is issued through XXXX XXXX. Mind you I have two other open and active accounts with XXXX that are both in good standings. I've had them for many years. Supposedly, according to XXXX XXXX XXXX, my report is pulled from XXXX, however there isn't an inquiry on there. I later found out my consumer report was provided by a company called SageStream out of XXXX XXXX, CA. Never heard of them. They reported the following false information which is absolutely absurd to be used for credit worthiness decision purposes : Limited history of consumer at this address Date of issuance of applicant 's SSN does not match date of SSN of peers Limited history of consumer at application phone number Point # 1,  people move all the time. People buy/sell their home. People move from one rental property to another. This should not be a factor against someone. In my defense, I just bought a house. 

Point # 2, what does this even mean? I've had my SSN since the day I was born. Where in the world did they pull this ridiculous information from?! 

Point # 3, I've had my cell phone number for so many years. Why would a phone # even be a determining factor for approval?! Doesn't make any sense. 

Someone needs to really look into SageStream. To me, they come off as a fraudulent company. They have poor customer service practices and only refer you to their website. They will not assist you over the phone. The lady I spoke to stayed quiet the entire phone call and kept repeating I refer to their website which asks for your SSN. 

I am highly surprised a company such as XXXX and XXXX XXXX use SageStream for consumer credit reports. This is SageStream 's information : SAGESTREAM , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Venmo closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used Venmo quite frequently. My email linked to my Venmo is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/1981 RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXXXXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXXXXXX XXXX XXXXXXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXXXXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 


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 2023-09-22
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony bank closed 3 of my accounts that were in good standing but before their auto pay practices was not working and I got 3 late fees. they closed my care credit and lowes card both in good standing

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 2023-09-06
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I am unsure of the first date I called but it was in XX/XX/XXXX. I had called because it said I missed a payment despite autopay being on and having money in my account. They had said my account closed to which I corrected the information with them and they said that the problem was resolved and the autopay was fixed. Today XX/XX/XXXX I called because they closed my account due to dishonorable payment history and when I explained the situation they told my wife that the account will remain closed and they apologize for the inconvenience. This is not how autopay works and this is not honorable business seeing as how the issue was date of payment and their system is flawed. The representative on XX/XX/XXXX even admitted that her coworker on the previous call mishandled my account and didnt set it up the way he had described.

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 2020-07-25
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2021-03-23
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citibank closed two deposit accounts I had totaling {$15000.00} on XX/XX/2021. As of XX/XX/XXXX, I have not received those funds. Citibank has told me that on two occasions, they have mailed closing balance checks and have verified my address as the correct one. I have made a dozen calls to Citibank banking division with no 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 explanation
Consumer complaint received 2023-01-26
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife and I XXXX XXXX in XXXX of XXXX, During that time we were unable to make mortgage payments, During that time our mortgage company changed and we found we were very behind on the and were unable to make payments. At this point we are completely under water. 
There was a XX/XX/XXXX foreclosure date set. We asked the judge to adjourn and that was granted. The foreclosure was postponed until XX/XX/XXXX. 
The issue is we submitted a complete short sale packet on XX/XX/XXXX. The lender denied the offer due to not a sufficient offer. They did not counter or anything. 

The adjournment was granted and a new foreclosure date was set for XX/XX/XXXX BUT the issue is Fay Servicing says they are requiring 37 days prior to the foreclosure sale in order to review for a short sale. 
They didn't postpone for enough time. Can you please postpone longer than 37 days so we can properly get the short sale review opened up?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: General Motors Financial Company, Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
An auto loan was fraudently opened in my name in XX/XX/2016. I had no knowledge of the account until its repossession. An. {$18000.00} loan which I did not consent to. GM FINANCIAL. Refuses to remove the item from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: Navient Solutions, LLC.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I owe about seven thousand dollars to the VA across three different accounts and received two letters. In the first sixty days of becoming aware of this debt, Pioneer Collections had sent me a total of two letters. The first letter was a threat to garnish taxes and the second letter was a threat to garnish wages. The threat to garnish wages was received on XX/XX/XXXX. I contacted the debt collection agency and their call menu had guided me to a notification that a payment must be submitted in order to enter into a payment arrangement plan. I sent a total of {$55.00} through my bill pay application on my phone. Then I left a message requesting callback. I was willing to take care of the amounts that were owed. 

During that call the person that I had came in contact with tried to tell me that in order for me to enter into a payment arrangement with them that I will have to submit another payment by the XX/XX/XXXX. Then they were really quick to demand financial information such as my pay stubs. They were not even factoring into consideration the basics such as the fact that I do not have a vehicle, I do not have a state drivers license, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) while employed. I don't have any property and fall beneath an acceptable margin of living according to most federal assistance programs such as Food stamps, Medicaid, and some of the Low Subsidy Programs. 

Instead of emphasizing in my right to lick my wounds after a COVID outbreak that has resulted in a divorce, XXXX deaths in my family, XXXX, and XXXX years of XXXX and being appreciative that I am there to take accountability and a little bit of fiscal responsibility for the balance of these accounts they started treating me as if I had been avoiding the debt. They didn't appreciate the fact that I was there for the first time ever ( despite the bereavement ). Instead they were quick to mention that the debt is five-hundred and somewhat days old and that they are interested on taking action through my new employer, wages, and tax returns. 

They did not seem very opportunistic at all and are not interested in the bigger picture of allowing us to heal up so that we can take on more fiscal responsibility in sight of hard times, difficult challenges, and are quick to indicate to the consumer that it is their fault that these hard times have happened.

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 2019-06-17
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This is an on-going problem that has become " ROTE '' and Repetitious with this student loan debt collecting agency called PHEAA or Pennsylvania Higher Education Assistance Agency. On XX/XX/XXXX I received another Wage Withholding Notice which make 3 within 8 months. No response to my request for a Hearing on each notice. And, no response to the legal documents, forms and letters sent out " Certified Mail '' with each notice. The Packet I sent out on XX/XX/XXXX, " Certified Mail '', to PHEAA and the Credit Dispute Resolution Lead, included incriminating student loan documents taken from my original Files/ School student loan Records. Indicating my Private Loans were consolidated with some Federal Loans. My type of loan, the loan holder, balances, fees, penalties, interest and principle had been altered, lined through, crossed out with defaced manual entry ( s ) listed throughout the documents. This occurred without my knowledge or consent and is indicated on each document page. These records/documents date back to XXXX through XXXX. When my student loan exchanged hands between, my school, The University of XXXX XXXX and my loan holder, XXXX XXXX and was presented to me in XXXX. I questioned the validity of this loan, when I received my first payment notice. I made it known to the XXXX XXXX XXXX XXXX XXXX and filed a claim and sent out letters to various reporting agencies. PHEAA, as it was disclosed to me, has had in their possession, my private loan information as well as the altered documents. Yet, XXXX XXXX previously informed me that a " Disgruntled Employee '' had " Stolen '' my student loan records along with others ' exposing my personal  and private Data. PHEAA and its affiliates denied this ever occurred. The supporting documents I sent PHEAA validates my claims and reports of Fraud, mishandling and altering my student loan documents as well as the harassing ROBO calling, notices, threats and scare tactics I continue to endure from this agency and its affiliates. The Recurring Collection/Contractual Violations I am experiencing from PHEAA, along with the number of recent Debt collection calls asking me to apply for a Forgiveness or negotiate reasonable payoff is a Direct Violation and I reported these calls the the FTC with the random/sequential numbers and third Party collection agencies involved with PHEAA. I am convinced PHEAA and its affiliates ' methods follows the form of a Ruse/Disguise to achieve its Abusive/Deceptive Predatory collection practices. Included in the Packet I sent PHEAA on XX/XX/XXXX is a Form for False Cert/Discharge. This is my third time sending this Form to PHEAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: FC HoldCo LLC
State: LA
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 filed disputes on several different dates for XXXX XXXX, Flagship, and XXXX XXXX  card. These items were removed once before and now they reappeared on my report. Items are incorrect and talked to XXXX and they stated they will be removed again. Now items are keep updating to the current date. Items should have been removed and they are bringing my scores down tremendously.

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 2020-12-22
Company: ALLY FINANCIAL INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently applied for vehicle financing and was denied because of a Recent Repossession. I pulled my report and could see that Ally Financial reported my previously financed vehicle ( XXXX XXXX XXXX, VIN : XXXX ) as repossessed in XX/XX/XXXX. That is incorrect, I traded that Vehicle in on XX/XX/XXXX to XXXX XXXX in XXXX XXXX ( supporting documents attached ). At the time of the trade in, my account with Ally was in good standing, and the dealership paid the account in full. 
On XX/XX/XXXX I contacted Ally to make them aware of the discrepancy, and asked to review my account. I provided all information requested. A week later, I received a letter saying they would not open an investigation because of lack of account information. On XX/XX/XXXX I spend approximately 4.5 hours on the phone with various departments within Ally, and each one told me the same thing, I am unable to locate your old account, let me transfer you. 
This companys negligence has cost me money, time, and now the ability to finance a vehicle.

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 2023-08-09
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX ; Inquiry : XXXX XXXX Inquiry Date 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 explanation
Consumer complaint received 2019-06-16
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I made a motel reservation for XX/XX/2019 thru Wyndham XXXX XXXX for a reservation at XXXX, Iowa. I was offered {$50.00} off my room reservation of {$75.00} ( includes taxes ) if I signed up forfor a TOTAL OF {$25.00} which I accepted enrollment in the Wyndham credit card. ( confirmation # XXXX ) Upon checking in at the motel I was told I had to pay FULL PRICE - not the {$25.00} total due which was shown on my confirmation upon enrollment of the credit card. I told the manager I was to get {$50.00} off but he said it did not apply. I don't appreciate this type of scam, dishonest, type of promotion. So I requested Wyndham to PLEASE CANCEL THE CREDIT CARD IMMEDIATELY. XXXX XXXX, Minnesota

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 2023-08-09
Company: Experian Information Solutions Inc.
State: PA
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:
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.

has violated my rights. Or list of inquiries 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 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 explanation