BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-15
Company: Experian Information Solutions 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:
XXXX  has consistently been a problem.  XXXX   XXXX    XXXX    & Experian has been reporting errored information. I have never applied for student loans and to have an accurate errored account reporting monthly and I have been trying to remove this items for a year now. I 've sent letters, I contacted them and all I 'm told by these credit bureaus that they never received any documents.

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 2023-04-28
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have had a few credit charge cards opened up in my fraudulently. 
One was sent to collections for the amount of XXXX from XXXX XXXX XXXX XXXX XXXX XXXX ( Comenity Capital Bank ) and the amount that was charged was XXXX. All of these were opened up online.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I purchased a 2015 XXXX XXXX ( new ) approximately 1 year ago. Chase Auto Finance financed the vehicle for approximately {$29000.00}. The purchase of the vehicle was approximately {$19000.00}. I had a trade in that caused the total financing for a 2015 XXXX XXXX to approximately {$29000.00}. I pay approximately {$650.00} monthly. I have not been past due by 30 days but I do make my payments late because of the extraordinary monthly payment. Chase Auto Finance continues to call me on a monthly bases and tell me when am I going to bring my account up to date. I explained to the Chase Representatives of the situation and they refuse to help. They wont refinance or in good faith negotiate on the principle of the account. I am tired of the continuous phone calls and the unprofessionalism and unwilling to help in anyway. I am making my payments NEVER past 30 days late and since they are unwilling to help I do n't want them to contact me again. I 'M MAKING MY PAYMENTS SO LEAVE ME ALONE. I 'm so underwater on my vehicle that since Chase is unwilling to help I attempted to refinance with both my Credit Unions and the said no because I am approximately {$14000.00} underwater.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: CL Holdings LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX is asserting my rights and disputing my debts under Code 15 US 1681c-2 1681b 1692-g and 168152 shall remove any information in my file regarding the credit Act.I am requesting this removed immediately, because the information is negative and outdated according to the fair act, and i am requesting a charge off from debt on my credit report. 
Accounts Affected by the Crime

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX   has consistently been a problem.  XXXX   XXXX  TransUnion &  XXXX  has been reporting errored information. I have never applied for student loans and to have an accurate errored account reporting monthly and I have been trying to remove this items for a year now. I 've sent letters, I contacted them and all I 'm told by these credit bureaus that they never received any documents. Reporting false information and breaking several laws in FCRA.

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 2021-06-25
Company: WELLS FARGO & COMPANY
State: TN
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:
We closed on our business on XX/XX/2021 and our SBA loan with Wells Fargo bank was paid off on this date. Due to our attorney not being able to get a payoff statement from Wells Fargo in time for closing, {$15000.00} was put into an escrow account and will remain there until we have our lien release from Wells Fargo. 

As of XX/XX/2021, Wells Fargo had not provided a lien release to us for the loan, so I called Wells Fargo and requested a lien release and was told it would be mailed to us within 30 days. 
Since XX/XX/2021 I have called Wells Fargo six times to check on the status of the lien release. I have been directed to two different departments, sat on hold, been disconnected and told that only one person can help me. This person, " XXXX '', is never able to speak with me and has not returned my request for a phone call. I have requested to speak with a supervisor, but have been told " supervisors don't take phone calls. '' I have explained my frustration to all employees that I have spoken to since we have now waited over 60 days for a lien release that is tying up {$15000.00} of our funds. 
I have included the last billing statement I have received for my loan. My notes on the bottom of the first page include a case number that I was given when I filed a complaint with Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: ZARVAD III S.A.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company is calling me constantly even after i told them to stop calling me. They are also threatening me!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My late father died in XX/XX/XXXX and in XX/XX/XXXX my brother and I went to the main XXXX XXXX XXXX XXXX  branch with a copy of his death certificate and his key to his safe deposit box. I was told I could not get in to even do a will search until after probate even though it been 40 days already. Due to his state totaling less than 150,000.00 we submitted to the California Document 13100 we assumed his assets through it. When we went on XX/XX/XXXX to the bank branch with that and a copy of his death certificate and the key to his safe deposit box. We were told the whole process should take 24-48 hours. They did not contact us during that time and called back on XX/XX/XXXX, over 3 business days and then got told the accounts weren't ready to close and got called back the next the next day and said the Safe Deposit box was a joint account with an ex girlfriend and we weren't access even though at the very least we allowed to do a will search and have the contents itemized. We contacted our estate lawyer and informed us that we were allowed to access box to perform an inventory. So we contacted the bank on XX/XX/XXXX, 10 legal business days later I was informed I am still not allowed into the box and when asked for exact wording on the signature card I was informed that I am not legally offered that the information. I've spoke to XXXX XXXX on this matter 4 times now and to a high level bank employee twice on the matter. Now I have to pay my lawyer to contact the banks legal team.

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 2023-02-24
Company: M&T BANK CORPORATION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
Breach of contract, unfair business practices, and deficiency in service to my home equity line of credit.

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 2019-06-15
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are senior citizens ( ages XXXX & XXXX ) who are experiencing a hardship and trying to remain in our " '' Forever Home '' ( constructed in XXXX, next door to our son/caregiver ) and his family ) for as long as our health will allow. We have reached out to our Mortgage Company, JP Morgan Chase for assistance but have been denied approval because we are NOT presently facing bankruptcy or foreclosure. According to their review of our monthly expenses and income, our house remains affordable according. 

We feel they are discriminating because of our age and want to force us to sell our home. For 13 years we have been loyal customers to Chase... never missing a payment and now borrowing from family each month in order to meet the monthly mortgage payments. When we built our house, my wife and I were enjoying 6-figure salaries and were preparing for this time in our life. Since that time, the company I managed since XXXX was sold, my wife 's company closed during the real estate collapse and now our health is failing. We have our savings, had to give up a part time job because I could no longer perform the duties, and with next month 's payment we will begin to fall behind on our mortgage payments. 
Our house has been valued by XXXX XXXX at {$490000.00} and our remaining balance is {$270000.00}. Our credit score is nearly 800 with all 3 major reporting agencies. Normally we pay off our credit card balances each month but we've had some unexpected expenses that have increased our balance to nearly {$1000.00}. We've been trying to refinance but either our income-to-debt ratio is too low or we can't find an interest rate that will reduce our payment. 

Our credit rating has always been of great concern and we've made application for mortgage assistance before the situation deteriorates. We are simply trying to be proactive in what is to come a desperate situation. 

We know the wisest thing to do would be to sell our house and take the equity but we honestly feel our health would not survive a move to another location. Plus, our caregivers live next door and keeping the house would be less expensive than entering a facility. We do not know how much time we have to enjoy our home but are simply seeking a lower payment for the next couple of years until we can obtain a Reverse Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: AL
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 XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open and consumer credit plan for any purpose

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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2017-07-15
Company: Nelnet, 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:
Nelnet has consistently been a problem. Nelnet   XXXX    XXXX  &  XXXX  has been reporting errored information. I have never applied for student loans and to have an accurate errored account reporting monthly and I have been trying to remove this items for a year now. I 've sent letters, I contacted them and all I 'm told by these credit bureaus that they never received any documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2017-03-31
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have an ongoing issue with Ditech regarding loan # XXXX. Since their initial response to my loan modification on XX/XX/XXXX, they have assigned me to three of their staffers. The most recent, XXXX has not returned four calls I have placed. I have received a letter from them asking for all new documentation which is totally un-necessary and a further attempt to have me go away. This loan indexes to a 20 year term in several months. They have all the documentation they need except for current bank balances and some rental leases which XXXX claims were not signed but he never advised me which lease. 

I am retired so my income does not change. As a result, I will not be able to afford the payment on this mortgage after the index date. Should they deny me the modification, a strategic foreclosure will be my only option later this year.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Why do you refuse to get your hackers out of here and stop them from remoting into my phone?!!! They are purposely bricking my battery on my phone so that it can't charge even when plugged in! They are purposely slowing down my internet to s standstill when I'm trying to use these apps to go out and earn money! I have XXXX! This is discrimination! There's no reason for them to be remoting into my phone and purposely tying me up like this. I shoulnt have to go find a public computer to report from just be able to go online and do things like look for a job. This phone I am using only shoes them with a red light on when they are remotes in. I barely got my phone on and I'm still having to deal with your hackers you have remoting into my phone and laptop preventing me from doing anything. Get your hackers out of my electronics! Get them out of my phone! Get them out of my laptop! They don't belong her! Leave me the XXXX alone!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXXXXXX XXXX Balance : {$0.00}

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 2023-06-12
Company: Experian Information Solutions Inc.
State: GA
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. 

Account name : 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 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
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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