BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-30
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Wells Fargo unfairly prevented me from making modifications to my mortgage loan in order to avoid foreclosure. My check for {$200.00}, received in XXXX of 2023 is not nearly adequate compensation.

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 2024-02-01
Company: I.C. System, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I.C. System, Inc account number XXXX is trying to collect a debt from me I sent them a letter on XXXX for the original purchase Agreement to show that they can legally collect this alleged debt proof that the debt was assigned to them like the bill of sale an assignment or a receipt between them and XXXX.I.C.System, Inc is the creditor reporting inaccurate information on my credit report.I.C system, Inc should have sign documentation between me and them. So if they cant provide me with these documents l ask them to delete this account immediately as its damaging my credit rating. I no account with I.C. System and if I have an account with XXXX am not saying I do I never gave them permission to sell the debt to I.C.System, Inc.I.C system have 15 days to provide me with documentation I ask for if not I will file a lawsuit against them for damages and defamation of character.

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 2023-10-09
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I hope this letter finds you well. I am writing to address an ongoing and pressing issue concerning my credit report. Despite my numerous attempts to rectify the situation, fraudulent items continue to be erroneously listed on my credit report. I am deeply concerned about the impact this is having on my financial standing and my ability to access credit when needed. 

I first became aware of these fraudulent items and promptly took action to report and dispute them. Since then, I have made multiple attempts to provide evidence of the fraudulent nature of these accounts, including police reports, identity theft affidavits, and correspondence with the relevant creditors confirming the fraudulent activity. 

Despite my diligent efforts, these items remain on my credit report, negatively impacting my credit score and financial stability. It is imperative that these fraudulent items be removed promptly to ensure the accuracy of my credit report.

I am requesting the following actions to rectify this situation : I kindly request that you promptly remove the aforementioned fraudulent items from my credit report. It is crucial that they are deleted as soon as possible to mitigate the harm to my credit score. 

I request that a thorough investigation be conducted into the authenticity of the disputed items. I have provided substantial evidence to support my claims of identity theft, and I urge you to take this matter seriously. 

Please liaise with the relevant creditors to ensure that they are made aware of the fraudulent nature of these accounts and update their records accordingly. 

Upon the successful removal of these fraudulent items, please provide written confirmation of their deletion from my credit report. 

I understand that the process of investigating and resolving such matters may take some time, but I request your assurance that it will be handled diligently and efficiently. Failure to address these fraudulent items can have severe consequences on my financial well-being, and I may have no choice but to pursue legal action if this matter is not resolved satisfactorily. I am asking for your assistance to remove the following fraudulent items : 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 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 2024-01-19
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Synchrony Bank has been reporting and billing me for credit card repayments that, I, the Beneficiary allegedly owe. However me being the beneficiary it doesn't benefits me to repay. I am writing to address the matter of the debt associated with my account. I am the beneficiary of the XXXX XXXX XXXX XXXX, and repaying this debt is not beneficial based on a careful consideration of various factors. Firstly, I would like to draw attention to the etymology of the word " repayment, '' which implies paying again. As a beneficiary of a living trust, it is my understanding that repaying an alleged debt would mean paying twice, which does not align with the equitable principles that govern trust relationships. Everything is a trust. How? Because everything is an agreement and if anything has my name on it thats a legal title of my estate. Now lets look at the word credit which means trust. Now lets look at the word report which means property. My credit report is my trust report which is my property and estate. Furthermore, the maxim of equity states that equity does not punish. Repaying an alleged debt, particularly one that may not be legally enforceable or valid, could be perceived as a form of punishment. Equity regards the beneficiary as the true owner, and the trustee is obligated to uphold their duties in settling the account. Considering the aforementioned principles, I kindly request the following actions : Account Review : I request a thorough review of the alleged debt associated with my account in light of the trust relationship and equitable considerations. Account Settlement : If the debt is found to be valid and legally enforceable, I request clear instructions on settling the account. As the beneficiary, I trust that the trustee will uphold their duties to settle the account. Removal from Credit Reporting Agencies : I request the immediate removal of any adverse reporting related to this alleged debt from credit reporting agencies, as it is not beneficial to the beneficiary 's interests. You're furnishing this information to the credit reporting agencies which makes you the trustee. If you're not the trustee then you're a stranger. Its three parts to a trust. Trustee, settlor, and beneficiary. If you're not the trustee then you need to hand me my property back. I appreciate your attention to this matter and look forward to a fair and equitable resolution. If there are any specific procedures or documentation required to facilitate this process, please provide them at your earliest convenience. Thank you for your understanding and cooperation.

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 2023-12-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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  Balance Owed : {$130.00} XXXX  XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$86.00} XXXX XXXX XXXX Balance Owed : {$580.00} XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX XXXX Date Filed/Reported XX/XX/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 non-monetary relief
Consumer complaint received 2024-01-29
Company: TRANSWORLD SYSTEMS INC
State: UT
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Between XXXX and XXXX I rented a room. I then moved from the address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, UT XXXX. A couple of years after I got a call from a collection agency called TransWorld Services stating I had a collection for a XXXX XXXX  account that I never opened. I was informed that the account closed on XX/XX/XXXX. I tried to explain to the collector it was not my account that I had moved out months earlier and that someone in the house where I rented a room, might have opened the account under my name since I had not lived at that address for over one year, and had received calls from other collection agencies claiming that I had balances owing. Even after disputing the account Transworld would not remove it from my credit. I ended up paying for a service that I never opened. I am requesting your assistance to have this negative reporting be removed from my credit since it is not accurate reporting as it has been stated to Transworld for years.

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 2024-01-11
Company: LoanCare, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
Back during COVID, I was on a Forbearance. After the Forbearance, I should have been granted a COVID ALM, lowering my payment by at least 25 %. They have been fixing it with loan modifications and those have been, and are, greater than what my payment was! Never was I offered the ALM, which I should have been.

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 2023-12-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a fraud alert from all three credit bureaus. Im not understanding how they are letting fraudulent inquiries repeatedly post in my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am responsible for this one and it should only be showing once. 
XXXX. XXXX XXXX XXXX. XXXX XXXX I am not utilizing any of these institutions and has never conducted any business with them.

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 2024-01-05
Company: CREDIT ACCEPTANCE CORPORATION
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I went to a dealership in XXXX, it was XXXX XXXX  XXXX dealership. I was approved by Credit Acceptance Corp. For a {$13000.00} loan for a XXXX XXXX XXXX . When they approved me I was living in a XXXX XXXX  house and I had just gotten a job at XXXX XXXX in XXXX Indiana. I had only been working there for 2 weeks. They asked me for direct deposit records and bank statements. I told them I did not have a bank account but I had a XXXX account. So I gave them my XXXX statements for the previous month and showed them I had only been working for 2 weeks. They approved me for {$13000.00} and some change for a used car. When I got the car within the first week all of the motor mounts broke and the rotors went bad. I took the car back to the dealership because it was under warranty. I called the warranty company and they said that all of the things broken were covered under warranty. The dealership said that these things were not covered so I ended up paying {$700.00} and some change for them to fix everything. I got the car back and it broke down 3 or 4 more times soon after and I ended up just leaving the car in a parking lot and I don't know what ever happened to the car. I just left it there and never looked back. I was over the thing breaking down all the time. Within a month I lost my job and ended up getting a court case against me for the remaining balance of {$12000.00} and some change. I was trying to see what I could do to dispute the case because I was never able to afford it in the first place and I feel they took advantage of me. I was an XXXX  in XXXX  and had only been working long enough to get one check and they knew all of this. I told the creditor that I was an XXXX XXXX XXXX XXXX XXXX  house and was trying to turn my life around and that my work history was terrible filled with gaps in employment. I feel that I was taken advantage of and now I am trying to fix my credit score and the company took me to court and the judge filed in favor of Credit Acceptance Corp. So now I owe them almost {$13000.00} I need help dealing with this please. I am really struggling with all of this and I don't know what to do. I would appreciate any help you can provide.

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 2024-01-18
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
Product: Credit 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:
I purchased a flight through XXXX on FNBO 's XXXX credit card on XX/XX/XXXX, however needed to cancel. XXXX only provides an online XXXX XXXX customer service so that did not resolve anything. I called FNBO to dispute it on XX/XX/XXXXXXXX They assured me that they will investigate. This dispute was resolved on XX/XX/XXXXXXXX  in my favor, per the statement. On XX/XX/XXXXXXXX they are now claiming that they could not get in touch with the vendor and that it would be up to me to resolve it. They added the charge back onto my account with interest on the time they spent to resolve it. Now they are making me pay for something that was originally resolved, with additional interest.

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 2024-01-23
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/year> : Account was frozen due to {$20000.00} transfer and funds were returned to BMO alto account. 

XX/XX/year> : Provided statements showing the amount used to fund my account was via a loan from my credit union. BMO alto noted this was high risk and no longer wanted to do business with me. 

XX/XX/year> : BMO alto informed me it would take 4-6 week to obtain my funds. They noted nothing can be done to elevate the matter.

At this point my money is being withheld from me. 4-6 weeks is excessive to not have them available for use.

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 2024-01-24
Company: CITIBANK, N.A.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Finally found a bank that would allow me to open a bank account Citibank. I deposited {$50.00} process a couple transactions even. I had to check from XXXX XXXX for a refund of my dentures because I had to pay cash {$3500.00} because my insurance company XXXX XXXX was committing fraud with the XXXX XXXX XXXX in XXXX XXXX by approving excessive appointments and assessments which the lowest assessment being {$4600.00} which is still for higher than what XXXX XXXX charge me the {$3500.00}. I had a very hard time finding anybody to give me a bank account so I was pretty happy with Citibank allowed me to open up a checking account well the minimum deposit in an ATM because there is no branch in Iowa for Citibank is {$2000.00} The check again was {$3500.00} I was told by a Citibank live chat support person to mail my check to Citibank Bank by mail XXXX XXXX XXXX in XXXX XXXX Texas and I did exactly that. I called them a few days later to confirm that they received the envelope in the mail containing my {$3500.00} check from XXXX XXXX. They confirmed did they had received my check. They also informed me that they were closing my checking account. They would not provide any information as to why. But they asked me many questions about this XXXX XXXX check even why they were issuing me a check at all I answered all their questions and they told me that they were going to close my account and they were not going to mail me back the check and in fact I've got a recording from last time I spoke with someone up from Citibank they told me that the check from XXXX XXXX in XXXX New York for which XXXX XXXXXXXX XXXX  was a bad check. The same day I received an email from XXXX XXXX of XXXX XXXX who had received the deposit receipt from XXXX which clearly shows that my check was deposited into a an account with the routing number XXXX account number XXXX. Although it's not my account I have no access to it they do not that this check has been deposited I will attach the receipt of deposit from XXXX I will attach the Citibank letter saying they're closing my account and I want my money Citibank is obviously lying because I've got the statement from key Bank the bank for which the issuer XXXX XXXX XXXX with and the bank deposit slip and yet Citibank will not explain to me way this money got deposited into this weird account and claim that they have no check of mine. I want my money now it's citibank 's problem not XXXX XXXX not XXXX XXXX not XXXX XXXX Not 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 2024-01-30
Company: Freedom Mortgage Company
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pursuant to 18 U.S.C 8, I owe no debt. This company is violating by consumer rights to privacy pursuant to 15 U.S.C 1681b ( 2 ). Company has also NO permission to report ANYTHING using my information pursuant to 15 U.S.C 1681 ( 4 )

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 2023-12-05
Company: DISCOVER BANK
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was misled about what my minimum payment would be. I met with a XXXX XXXX before starting college in XXXX, so it was not my own mistake. Discover was found guilty in a lawsuit for misleading borrowers about their minimum payments, but I never recieved any sort of compensation. Now they offer no options to adjust based on income or other flexible options. Other companies even offer the ability to remove a cosigner, but they have no release. I'm making $ XXXX per year and my student loans are crippling. I pay nearly {$1000.00} to discover every month, and have been doing so for 5 years, and yet my total balance due has only changed by about {$3000.00}. My rates have increased drastically with no payment options. Because they offer so little options, they've destroyed my credit, leaving me with no alternative options other than to continue with their horrible plan. If not for this, I could have refinanced to an institution with better options. I've looked into assistance programs and all of them state that because Discover is over 70 % of my debt, since I don't really have other debt, there's nothing they can do for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
The company Bank of American had reported a 30 late claim to XXXX XXXX this was the first late payment in over XXXXen or more years.Payment was sent but was not credit to my account i do my banking on line. i always pay WAY over the rerequired amount so they said they would send letter to XXXX XXXX and have it removed which they said they have done serveal times this has ben going on for two months and is affecting my credit rating the problems to be tran union.I put in a dispute they said they have have never recived a letter yet i was told on XXXX they had the letter and it would come off my credit report in two week which it has not.Please help with this matter thank you 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 monetary relief
Consumer complaint received 2024-01-20
Company: CITIBANK, N.A.
State: ND
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:
I XXXX XXXX am writing in regards to inquiries on my credit report that I did not authorize.

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