BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: SC
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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-07-29
Company: Diversified Consultants, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Diversified Consultants Placed item on my account in reference to XXXX. This account is not mines. Submitted documents to XXXX XXXX department and received no feedback. Requesting total removal from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have several inquiries on my credit report when I contacted the credit reporting agency they refused to tell me how to have them removed. Inquiries and companies that I did not know anything about. 

They told me they could do nothing. I tried calling the companies that were placing inquiries they did nothing for me nor returned my complaints. 

Transunion actually offered me a PAID credit protection plan to avoid this problem in the first place.

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 2018-01-08
Company: EQUIFAX, INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have an item on my Equifax report that is from a company called XXXX XXXX for XXXX. This is not mine for starters, and they have changed the date of delinquency on 4 different occasions, it appeared for the first time in XX/XX/XXXX and recently as of XX/XX/XXXX, they changed it to XX/XX/XXXX. Thus constantly moving the drop off date. 
It should drop off this month ... XX/XX/XXXX, but they changed the date. 
I have reached out to both XXXX and Equifax to no avail!! 
Please help. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am sorry that this refers to a situation in the past. I have finally realized that it may be a part of the greater problems that were a part of Wells Fargo.
Over a year ago I asked the Wells Fargo representative who was involved in our mortgage refinance about doing it again, at the new, lower percentage.
He told me that " the company '' does not allow him to offer this to current clients.
This did not seem right to me, but I let it go and was not able to take advantage of the lower interest rates.
I failed to take action at that time, but now it seems that it might have been a part of the general illegal actions that Wells Fargo have been embroiled in over the last few years.
I am not sure what actions could address this, but would appreciate a response from Wells Fargo. And it just may have been experienced by others, who also have not taken any action. Thank you

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 2019-07-29
Company: SLM CORPORATION
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Around XX/XX/XXXX, I contacted Sallie Mae about having difficulty keeping up with payments on my student loans. At the time, I was living in my ( then boyfriends ' ) parents house rent free and substitute teaching. If I were to have worked every school day that year, I would have earned around {$23000.00} ( before taxes ) for the whole school year, I was on my parents ' health, car, etc. insurance and I didn't even own my own car. I was not aware of any income-based repayment options for my loans ( I looked and was on income-based repayment for all of my other student loans ). I had also called them around XX/XX/XXXX to see if there was any income-based repayment available and was told no. 

When I called Sallie Mae in XX/XX/XXXX, I told them I was having a hard time keeping up with student loan payments ( I believe the payments for just my Sallie Mae loans totaled over {$1200.00} a month at the time ). I had not had any late payments and I was told by the representative that there was nothing they could do to help reduce the payments and that I would have to go into default by missing a payment before they could look to see if there was anything they could do. They were clear that there was no guarantee that they could even help me if I went into default. After hearing this, I also questioned them why the interest rates on their variable rate loans had gone up so much ( nearly double ) while another private, variable rate student loan with another lender ( taken out at the same time ), had barely changed. They told me that they were keeping up with the market rates. When I did finally get my last loan out from them, the interest rate had hit 11 % while that other variable rate student loan with the other vendor remains around 5 %. 

My parents ended up bailing me out by lending me money to cover a couple of the Sallie Mae loans so I could afford the payments. Recently, I refinanced the remaining loans with my husband cosigning so I would no longer deal with Sallie Mae. In the end, I have a fixed rate loan with about the same monthly payments, and I will have it paid off in 1/2 the time Sallie Mae was showing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
This particular offense started on XX/XX/XXXX and now on XX/XX/XXXX. My acoount has always been on ALL alerts, somehow these alerts kept/keep getting 'reset ' by chase. In XX/XX/XXXX a telephone banker reset my alerts to have a blackout period which does not work for me. I was charged another, of many, late/overdraft/insufficient funds fee because of their system problems or situations. I have had my bank account with chase since XX/XX/XXXX/XX/XX/XXXX and have never had so many problems as of late. I am on social security and XXXX so I have to run my checking account the way I see fit and for years it has worked, until recently. Chase has a computer system that keeps changing peoples alerts and they start charging all the high late fees. I would like my fee refunded. Chase is not a good bank for people that are not wealthy, I am in the process of looking for a new financial institution. My settings were set to let me know if I was going into overdraft and allowed me to cover that overdraft with a quick deposit before XXXX eastern time. With their computer resets it is not sending me the alerts I have had set up or requested. That is a false and seems to be an illegal business practice to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-14
Company: AMERICAN EXPRESS COMPANY
State: MO
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:
On XX/XX/2021, I received an offer in the mail to sign up for the XXXX XXXX American Express card. The offer was : Earn a XXXX bonus points, a {$100.00} statement credit and 0 % APR for the first 12 months. I signed up through the XXXX XXXX app, which also had the offer available to me on XX/XX/2021. 

On my first statement from American Express I did not incur any interest charges. I did receive the XXXX bonus points and the {$100.00} statement credit but since XXXX I have now been charged with 4 separate interest charges ; XX/XX/XXXX - {$51.00}, XX/XX/XXXX - {$100.00}, XX/XX/XXXX - {$100.00} and XX/XX/XXXX - {$97.00}. 

On XX/XX/XXXX, I initiated a chat with a representative asking about the offer and an investigation was opened, I was told to follow up in 10-15 days. 
On XX/XX/XXXX, I followed up and was told that the investigation was still open and being reviewed. 
On XX/XX/XXXX, I followed up once again and was told this was a " new '' offer that was emailed to me on XX/XX/XXXX and didn't apply to me on XX/XX/XXXX. I told them I had a mailer that I received on XX/XX/XXXX and a screenshot of the offer in the XXXX app before I applied. I was told to send them the documents in the mail or by fax. I then faxed the documents that day. 
On XX/XX/XXXX, I followed up to see if they had received my faxed documents. The representative said that documents should be uploaded to the document center not faxed in. So I then upload the same documents through the link provided. 
On XX/XX/XXXX, I followed up to make sure the documents had been seen. I was then told that they couldn't see the documents and to upload them using a reference number. When trying to upload using the reference number, I received a red alert and it wouldn't let me submit under that reference number like it wasn't valid. I then proceeded to call in and speak with someone. I ended up speaking with the manager, XXXX who gave me a credit of {$100.00} for one of the interest charges. And he had me resubmit the documents again using the document center and told me that he would make sure this would get taken care of. 
On XX/XX/XXXX, I called again. My first call put me on hold and hung up on me. The second call, I spoke with XXXX and XXXX and was told that the resolution date was XX/XX/XXXX but it wasn't resolved and they had no new info and I should just call back in 2 weeks and then maybe there will be update.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-29
Company: WELLS FARGO & COMPANY
State: TN
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:
I applied for credit at XXXX XXXX and I was trying to get credit or financed for a vehicle. I gave the salesman authorization to run my credit through XXXX XXXX and the salesman ran my credit 11 times. The only one I approved them to run it for was XXXX XXXX. 
Now I have 11 inquiries that I did not approve of.

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 2019-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
TransUnion file Number : XXXX date issued XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has unknown for payment in the month of XX/XX/XXXX Page 4 of 11 TransUnion needs to update the correct information of XX/XX/XXXX payment was made on time

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 2017-07-28
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
American Express recently released a Statement that included a Purchase APR of 20.99 % where I was active in a promotional period. They claim that it was interest on a late fee but was labelled as a Purchase Interest Charge. I find this to be a deceptive practice and I do n't believe what they 're charging is actually manifested as appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
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 am victim of Identity Theft. Someone tried to open many credit card accounts with various banks. All accounts are closed and removed from my credit report except HSBC BANK. I had filed FTC complaint Report # XXXX providing details of HSBC bank along with account details. I had sent dispute letter to HSBC bank dated XX/XX/2018 stating I am a victim of identity theft and I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). 

HSBC bank has not taken action to remove disputed credit card details from my credit report. Details of the account are as follows : Account Name HSBC BANK Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/2018 Credit Limit {$2700.00} Kindly ensure HSBC Bank gets all the details pertaining to my account removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: South East Collection Specialist
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2022, starting at XXXX, I received multiple calls on my cellphone in CT from XXXX XXXX XXXX XXXX office in Georgia XXXX They are threatening to sue me on behalf of XXXX XXXX XXXX. First they called me from XXXX and then multiple calls back to back from an unknown number. They were very aggressive and rude, stating they are going to keep on calling. During this same time within half an hour they even called my mother 's home phone in Maryland. 
I have disputed this debt and it was taken off of my credit report on a few of the credit reporting agencies, yet I'm still being harassed. The most upsetting part is that my mother is over XXXX XXXX XXXX and should have never been harassed being that she has never been used as a reference. They claim not to have my mailing address, which I instructed that I only do business in writing, yet they can track down my mother 's home phone number in another state that I don't even know by heart.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-07
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid 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 have made a purchase on XXXX site on XX/XX/XXXX. Subsequently have returned the merchandise as per Return Policy and requested a refund. However the company issued a Partial Refund. So I started a Dispute with Chase Credit Card on XX/XX/XXXX. As of now, there is no action whatsoever on my Dispute. As I have returned merchandise in the Unworn condition and have acted strictly by the Return Policy that I still have a screenshot of, I am requesting a Full Refund, yet Chase is n't moving. My Dispute is for the balance of the purchase in the amount of {$57.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Aspen National Financial, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX - We received a notice from Aspen Collection Agency concerning a debt of {$1100.00} owed to XXXX XXXX XXXXt XXXX XXXX, a timeshare company in Nevada. Previously, I have requested signed contract paperwork or an acknowledgement form concerning the maintenance fees charged by the timeshare. I had been requesting these documents for several years previously, both in writing and via phone. The timeshare company has not been able to provide me with any paperwork obligating us to continue to pay for these fees. 

On XX/XX/XXXX I responded in writing to Aspen disputing the validity of the debt and again asking for any signed paperwork or documentation obligating us to the debt. 

On XX/XX/XXXX - I received a response from Aspen, but there was not any accompanying documentation that I had asked for. It was a repeat of the previous letter sent in XXXX. 

On XX/XX/XXXX. XXXX - I sent a written letter repeating that the debt is being contested and my request for documentation concerning the debt owed. 

On XX/XX/XXXX - I received a response from Aspen. I did receive an attachment of the XXXX Deed recorded on XX/XX/XXXX with our names handwritten by unknown persons on the Valuation form, however this form was not signed an unfamiliar to me. An additional document was provided with the XXXX XXXX  XXXX XXXX handwritten on the front page with no signatures. 

For the third time- I re-iterated that I am contesting this debt until I could be provided with a valid signed contract indicating that I am responsible for this re-occurring debt. The documents that have been provided did not include any signatures of my wife or myself. Additionally, no official contract has been provided, but a partial document with no identifying information. 

I have been very courteous in my written discussions. We have kept on open line of communication and discussing in good faith with all involved. However, instead of helping to fix this situation, Aspen Collection has chosen to report the contested debt to the XXXX Reporting Bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-08
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened my account In Person referred by my fiance. I was approved for the account, I asked to have my documents mailed to a second address ( mail at our apartment goes missing and fraudulently used all the time ), they told me it was no problem. A week later my account was frozen. They told me it was because they did n't have verification of the address on the account. Apparently when i asked the branch to send my things to a seperate mailing address, they instead changed the address thats connected to my account to the address I requested as my seperate mailing address. I was not advised they were doing this. So I sent them proof for the new address ( its a home we just purchased XXXX XXXX ) but i was told to wait another week for a response- I never authorized them to actually change the address and I would have given them proof of address in person if theyd asked. if they told me they were going to update my entire address I would have told them not to. As a result, I ca n't see my doctor for needed prescription refills, its been a week since I ran out. There is a chance that they may decide to send me a request for more information as apposed to reopening my account. I was advised to go to a branch but i cant get off work, and this address change was never authorized. Please help me. My only recourse at this point is to start banking with a XXXX  card. It 's been 2 weeks since I have had access to my account and I am not sure when i will be able to access it again, and they refuse to expedite it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MI
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 hold a mortgage with Bayview loan servicing. I was personally impacted by the coronavirus and went on the corona forbearance plan as soon as I was made aware it was an option in 2020. I was told it would not effect my credit score and be non-reporting on my credit report. Unfortunately that was not the case and Bayview loan servicing reported it every month. Had I known that I may have chosen differently. It's unacceptable to tell someone they won't be negatively effected by going on Corona forbearance and then destroy their credit the whole time. I would like all of the late payments removed off of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Mr. Cooper Group Inc.
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
This is now the 2nd complaint for the same problem I've had and filed through here. The last time the company just told this bureau they fixed the problem and they did not. That case was XXXX. It's now been 3 months since my mortgage account at Mr. Cooper has been messed up. I continually try to make payments and keep getting told the are doing a loan modifications and will receive paperwork shortly via XXXX. The last time this happened was over the phone on XXXX XXXX at XXXX central time. I still have not received this loan modification they have told me they were sending. They continue to call and send out texts to me saying they are a debt collector which has now just become harassment. This problem has also taken its toll on my XXXX XXXX as my score has dropped XXXX points and they are reporting serious delinquency to the credit bureau.

Company response to consumer: Closed with explanation