BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
Company: Selene Holdings LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello Please see the following attachment for my payments history that are not being applied. My mortgage statements that I am being sent, with varying amounts due to late payments, however below the last XXXX months were paid according to the statement I am paying the amount listed on the mortgage statement, however I am being informed that I am now XXXX months behind. 

**A check was sent on XX/XX/XXXX but not cashed and posted until XX/XX/XXXX for {$1200.00}, **Statement Date XX/XX/XXXX, payment due XX/XX/XXXX was {$3500.00}. 

1. Amount due for Statement Dated XX/XX/XXXX. 
due XX/XX/XXXX I was sent an amount due for {$4700.00}, The following payments were sent and posted {$4000.00} sent on XX/XX/XXXX and cashed. 
Check Date XX/XX/XXXX, Check # XXXX & Check # XXXX Total amount sent was {$5200.00} for XX/XX/XXXX 2. Then for the statement dated XX/XX/XXXX, due date of XX/XX/XXXX amount due was {$780.00} and a check was sent, received on XX/XX/XXXX and cashed on XX/XX/XXXX for {$780.00} check # XXXX 3. Statement dated XX/XX/XXXX due date XX/XX/XXXX It showed no amount due but a credit of XXXX, unapplied credit Balance of - {$1200.00} XXXX. Statement dated XX/XX/XXXX, due date of XX/XX/XXXX It then reflects that I am now behind XXXX payments totaling {$2400.00} However a payment was sent and drafted successfully for {$1200.00} with an additional unapplied credit balance for {$72.00} 4. Now I am being told the mortgage payment was not applied that I am XXXX months behind and that only a partial amount was applied of payment - {$1100.00} but as follow. 
{$190.00} Principal {$500.00} XXXX {$490.00} Escrow But the payment should have been the entire amount of the new mortgage payment of {$1200.00}. 

The Mortgage statement for XX/XX/XXXX also reflects that there is still the amount of {$780.00} in suspense and that it can not be placed towards payment history because the correct amount was not paid in XXXX. 
I am very confused and needed just help to make sure and to stay current.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-06-21
Company: Experian Information Solutions Inc.
State: NM
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021

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 2023-07-03
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a letter on XX/XX/23 that stated I applied for an account with them when I most certainly did not. I called immediately and had that application cancelled. Im concerned about XXXX XXXX opening accounts without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom it Concern I am writing to formally dispute the inclusion of certain items in my consumer report, which I believe were reported without my written consent. I am bringing this matter to your attention in accordance with the provisions of 15 USC 1681b, which safeguards the privacy of consumer information.

I filed a report with the Federal Trade Commission ( FTC ) regarding the unauthorized reporting of my personal information, which I believe constitutes identity theft. I have been issued a reference number for this FTC report, which is [ XXXX ]. 

According to 15 USC 1681c-2, consumer reporting agencies are required to promptly block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from alleged identity theft. I kindly request that you adhere to this legal requirement and remove the following accounts from my consumer report immediately : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXI Account Number:XXXX  I expect these accounts to be removed within the time frame specified by law, not later than four business days after the date of your receipt of this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27
Company: First Credit Services Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Prior to the last communication that I received from FIRST CREDIT SERVICES, INC on XX/XX/2022 I noticed XXXX, XXXX has been trying to contact me through email for some time in regard to an alleged debt claimed said named owed to XXXX XXXX XXXX XXXX The amount said to be owed is {$280.00}. XXXX XXXX is violating the FDCPA Federal Debt collection practices act as well as my right to privacy. I demand XXXX XXXX to CEASE AND DESIST FURTHER COMMUNICATION WITH ME IN REGARDS TO THIS ALLEGED DEBT. I dispute having any responsibility or obligation to pay this alleged debt. If you stop the collection of this debt and forward it or return it to another company also indicate to that company that the debt is disputed. The only communication that I will accept is the communication by mail from XXXX, XXXX to notify me that this debt has been disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Patenaude & Felix A Professional Corporation
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This is about discrimination and violations of Federal Laws and also California and Nevada laws. Patenaude & Felix, a XXXX XXXX collection agency with a couple of lawyers, are the terrible perpetrators. 

Apparently this is how this out of State legal firm uses its tactics to terrorize innocent minorities and long suffering protected members including the aged, undocumented immigrants, LGBTQ and persons of color! Help! 

These people have been subjecting us to terrorism for a long time now. They were explicitly told to never call again as there has been death in the family, a XXXX and XXXX victims. But no, they continue to call over and over and over and over again. We have the proof. The calls usually last less than a minute each call, but its so many harassments each day! Both in English and in XXXX. 

We think its Political hatred! We have been seriously damaged by them and are living in fear because of them. Patenaude & Felix, a XXXX XXXX collection agency with a couple of lawyers, are the terrible perpetrators.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

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 2023-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My cards were stolen from my person on XXXX from a local store. I was not made aware immediately. The fraudulent charge was posted the following week due to it being an end-of-week date, so I did not receive a bank notification or statement notification for the balance until the following Monday. I filed a dispute with Bank of America for the transaction of {$1200.00} for a fraudulent XXXX purchase that was later determined to be an anonymous online purchase by investigating police. The police case number was provided to Bank of America by phone once made on XX/XX/ and I was not advised at that time that my case had been closed. Initially, the claim was rejected stating that it had not posted to my account when it had. They re-opened the case after I called a second time in late XXXX inquiring why there had been no updates and after receiving a determination letter that the claim had been rejected for not posting and provided my account the credit at that time. After investigating, they determined that they would not pay on the account due to my " required physical presence '' for the order, which I was not present for. I have not provided my PIN or signature to any individual and online credit card purchases do not require a signature. I have requested all paper documentation regarding this case and am filing a complaint with the bank as well as CFPB. BOFA informed me that there was no documentation available to send but they will re-open the claim for consideration without the credit to the account with a determination due in 45 days. 

Crime Case Number : XXXX, XXXX XXXX Police Department BOFA Claim Number : 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 2023-06-21
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX 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 explanation
Consumer complaint received 2023-02-22
Company: Bread Financial Holdings, Inc.
State: MO
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:
On Wednesday XX/XX/2023 I was notified through my XXXX app that there was a new hard inquiry placed on my XXXX account that was initiated on XX/XX/2023 by some place called ComenityCapital/Good. I did not request this inquiry and have no idea who this company is. No contact information is provided with the inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
XXXX light bill, car loan XXXX, apartment XXXX. That's saying open can't get a response or help from anyone ... .Thanks

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 2019-07-09
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In early XXXX, I received an offer from Chase Bank. The offer stated that if I opened a checking and savings account with Chase, I could earn up to {$600.00} in bonuses subject to ( 1 ) setting up a direct deposit ( 2 ) transferring in {$15000.00}. 

On XX/XX/XXXX, I set up a direct deposit into the account. At the same time, I set up a transfer of {$15000.00} into the account. 

The terms of the account stated that there would be fees in the savings account but gave several options to avoid the fees. One of the options was to have at least one repeating automatic transfer of {$25.00} or more from your Chase personal checking account. So I set up this transaction, as long as a transfer of {$25.00} from an external account to my checking account and a {$25.00} back from the savings account to my external account since I did not wish to hold any more money in the account than necessary so as to not get fees. 

To avoid fees in the checking account, I set up a {$500.00} direct deposit from my paycheck. I also set up a recurring {$500.00} to my external account to withdraw the funds at regular intervals. 

After setting up these transactions, I was immediately contacted by Chases fraud prevention team. They asked me to verify that I had set up these transactions, which I did. They then said they were freezing my account and locking my ability to perform ACH transfers into and out of the account. 

Later that night I tried to log in to see the status of my account and was locked out. When I contacted customer service they stated that they were closing my checking and savings accounts as they no longer wanted to do business with me as they were worried about fraud. I could not get any additional information from them. 

I was worried about my credit card ( also with Chase ). They said that after 10 business days I could call back and that Chase would restore online access to my account so that I could view my credit card online. I called back today ( XX/XX/XXXX ). However, they have decided to never allow me online access to my account. I was able to pay my credit card over the phone and they signed me up for paper statements. However, this is a clearly unacceptable way to do business in todays day and age. I have no immediate access to any of my credit card information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I was expecting to have my XXXX XXXX that has been sent to my coinbase account without a destination tag. It was sent to my coinbase on XX/XX/XXXX, so the suspension hasnt took effect yet. Suspension of XXXX was XX/XX/XXXX. The question is, if I am going to have it either in equal amount to other crypto or on my XXXX XXXX? 
XXXX XXXX XXXX said coinbase has it. 

It is already XXXX and I am losing hope. That is more than {$3000.00} now I tried contacting them same day the problem happened, they replied XX/XX/XXXX but their response doesnt even reloved my problem and then until now no response again from them. 

I had the same issue with other exchange platform but my token are refunded in less than 24 hours ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-31
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX I was told I could receive teacher loan forgiveness along with public service loan forgiveness. Upon being approved for the teacher loan forgiveness I was now told I can not also receive PSLF. I have XXXX payments to go to receiving my PSLF. I was wrongly told multiple times I was ok. So now I do not want the XXXX  so that I can qualify for the PSLF... 

Also I was told I was on the right repayment plan multiple times after calling to clarify. I asked for notes to be put into my account stating this and it was never done.. the opposite was done.. I am XXXX with my loans and payments.. never missed one, etc and now this.. Calling today right before repayment begins I was told I infact was not on the right plan and need to switch over. The fact that so many times I've called and received different information is frustrating and sad. No one clearly knows the correct information and my money is in n the hands of others. If I wasn't on my stuff this would be wrong.. 

I'm so mad, uspet and frustrated you can't trust anyone but yourself.. 

I'm very upset with my student loan servicer and the dept of Ed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: DISCOVER BANK
State: FL
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:
Discover financial has wrongfully and inaccurately placed several late payments on my credit report. These issues began during the COVID19 pandemic XXXX and Discover agreed to remove these late payments with a goodwill update request to the bureaus, but they never followed through. These late payments have negatively affected my life and ability to acquire financing. 

They are in violation of several FCRA laws. 

According to the FCRA : 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 : 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation