BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-01
Company: Experian Information Solutions Inc.
State: AZ
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:
I sent the company a certified letter asking to update my payment history accurately. The company never responded to me nor provided proof as they stated that they responded on XX/XX/21. I included their false response confirming the dates they received and responded also confirming their acknowledgement dates. In addition, they have violated responding to me within 30 days of receiving dispute. They have lied that they did as the address they sent other correspondence to is incorrect as well. You will notice on my certified letter I enclosed my proper address and still failed to respond to me. Also, in their previous response to my complaint, no document was provided for the date they speak off on XX/XX/21.

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 2021-02-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The Company is SELECT PORTFOLIO, Because of a mixture of problems being unemployed then getting my job back, my job took away my salary away and now I work on XXXX XXXX XXXX and I XXXX XXXX XXXX XXXX XXXX, so XXXX  are not that happy about XXXX XXXX XXXX because of COVID, SPS put me on a Forbearance program and had told me that I would be able to make it up at the end of the loan. They now want me to start making it up in XXXX of this year my payment went from {$3300.00} to {$4400.00} starting in XXXX, I'm XXXX and besides my job income is right now at $ XXXX {$40000.00} maybe a month. The thing is they had said all along they would put this {$19000.00} at the end of my loan and they totally changed the rules and I will lose my house. I entered this program so they would balloon my payments to the back of the loan. And now I'm in the situation above. 
This is predatory and the lender is trying to get me to possibly do some sort of modification by bumping up my payment so I am hurt and can't make my payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Called to pay off my escrow shortage on XX/XX/2017 at XXXX am from phone number XXXX. Customer service agent was rude and would not change my monthly payment amount. I requested my excrow be paid off and monthly payment be changed. From the time I have had my mortgage I have always over paid my principle each month. I asked to have my autodraft changed so I could again be paying more than my principle. She argued with me stating that the bank could not do that and why should I pay more than my monthly payment. She then placed me on an extended hold without any notice and transferred me to XXXX employee number XXXX. When I was transferred over to XXXX he was unable to see any notes concerning the conversation prior to the transfer. XXXX was able to process my escrow shortage payment for next year and adjust my monthly payment. 

I am requesting the first agent be terminated and never again be allowed to work in the mortgage industry. No consumer should be argued with when be proactive in paying their blls.

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$11000.00}

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 2022-06-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my Experian reports which I believe has been taken care of due to the written appeals I sent. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. I did not authorized, consent or have knowledge to how or when they were opened. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. Here is the list of information I need removed/blocked from my credit reports. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX These addresses are not mine. I never lived here. XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX don't own any of this accounts. Please see to it that they are removed.

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 2023-07-21
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX Balance : {$23000.00} XXXX  XXXX Balance : {$22000.00} XXXX  XXXX Balance : {$22000.00} XXXX  XXXX Balance : {$23000.00} XXXX XXXX Balance : {$23000.00}.

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 2018-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a XXXX patient that is losing their XXXX therefore I needed to purchase a wig. On XX/XX/18, I purchased a wig from XXXX XXXX but the hair started coming out by the handful. After the XXXX XXXX XXXX ( XX/XX/18 ), I called the owner to provide another wig or refund. Later that week I found out the wig was over 2 year old and was damaged before selling it therefore I left the wig with the owner. This wig was presented to me as a New Wig that came with bangs but this wig did not come with bangs. The owner washed and cut the wig to disguise the damages to pass it off on me. I told the owner she should have fully disclose everything about the wig, I would been able to make informed decision. I immediately requested Capital One 360 stop the Debit Card purchase but it was still pending. They told me to call back when it had posted which made it more difficult to resolve. I attempted to resolve the issue by offering to wait for new wig, ask the owner to send the wig to add more hair but the owner still refused to make good on the purchase ( {$860.00} ). Capital One 360 provided provisional credit in the amount of {$860.00} and continued to investigate. On XX/XX/18, they denied the claim because the owner says purchases are final. I explained to Capital One 360 the owner has the wig and they were allowing her to keep the funds. If they had stop the debit card purchase once it posted the owner would have worked out a resolution. After 11 years as a loyal customer of Capital One 360, a decision was made to deny the disputed claim which overdrew my checking account in the amount {$860.00}. Capital One 360 Claims department refused to speak any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: WELLS FARGO & COMPANY
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
We financed a new car through wells fargo auto XX/XX/XXXX and shortly after my wife and I were laid off due to covid. we still attempted to make the payments until XX/XX/XXXX when my father had passed I called and requested a deferment and they denied me for not having enough income. So I continued to try to make payments when I could. Come XX/XX/XXXX they repod the car and I borrowed money off my mother from my father 's life insurance to get it back but was still out of work. Do attempted to make payments when I could and I requested a deferment again in XX/XX/XXXX was denied for income and then again in XXXX and XXXX. I was setting up payments ahead of time for whatever I could pay between {$100.00}. and {$400.00}. Well XX/XX/XXXX I called in to set up two more payments after paying {$400.00}. between XX/XX/XXXX and XXXX XXXX and they told me " sorry we charged the account off XX/XX/XXXX ' they refuse to let us reinstate the loan and the also refuse to give other lenders the pay off amount in order for us to refinance. They never ever told us we weren't making enough payments and they definitely didn't tell me when I scheduled my payments on XX/XX/XXXX that if I dont pay x amount of dollars by XX/XX/XXXX they would repo the car. They also refused to allow us to defer again on that date. We were entitled to 3 deferments per life of the loan and we never used any of them because our hardship was too much of a hardship to qualify for it. We make more than enough money to pay this payment but we have been playing catch up on all of our bills since covid and trying to make this {$890.00}. payment plus all the late fees. if they would of let us defer just one time we would of been back on track and able to make all payments on all of our bills 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 2019-01-10
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened an account with TJMAXX rewards Synchrony bank on XX/XX/XXXX and bought an item for the amount of {$31.00}. We never received the credit card nor did we receive a statement until about a year later and it had incurred interest of {$340.00}. We disputed this with the collections agency and agreed to pay the original amount of {$31.00}. We sent the check and did not hear anything from them again until the end of XX/XX/XXXX when we got a letter from the collections agency that we owed over {$400.00}. We received no notice and we paid the original amount. We have a check to prove that we paid the amount.The collections agency and the credit card companies don't seem to have any information and no on is answering our questions. We want to resolve this and will pay the original amount of {$31.00} but because we never received any statements or even a credit card, it doesn't seem fair that we are being charged so much interest when we didn't even have any account information.

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 2023-05-06
Company: JPMORGAN CHASE & CO.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Opened a new account with Chase a few weeks ago. My mom sent me a check that I deposited XXXX for {$3000.00}. Deposited it through QuickDeposit. First it said the money would be available XXXX. Then it said XXXX. Now it says XX/XX/12. Called Chase : they said its cause its a new account. They said they need to call the issuer of the check. They got in touch with my mom today but still wont release the funds. Called them back : they said they need to talk to the issuing bank. They did so, with a three way call with my stepdad, so that the bank could give info. The bank confirms the money left my moms account. Chase confirms they received the money. Still wont release the funds. I called them back : they said they have no way to get in touch with who printed the checks, so therefore the funds are staying on hold. They are just moving the goalposts and keep making excuses to not give me access to the funds at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. Fraudulent Accounts : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX. ) XXXX, XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX  ) XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2015-08-03
Company: Unique Management Services, Inc
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I asked for debt validation from Unique National Collections for this library debt, but received nothing and further attempts were ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 non-monetary relief
Consumer complaint received 2018-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Inquires are showing up my account that I never signed up for or applied for. I wrote Transuion, XXXX and XXXX and never heard back about this issue. I have proof of my letter sent via certified mail. This is impacting my score and I never applied for anything with any of these companies. I would like these removed. 


XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XXXXXX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Department & Variety Stores ( XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX Inquiry :XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : 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 explanation
Consumer complaint received 2017-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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 credit report shows revolving credit account open with a balance in my name that is not mine.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells fargo continuously charged me for fees on my checking account to the point to wear i finally had to close my account out with them. The double charged for fees nsf that were not mine they never credit my account back. There was fraud on my account and they allowed a deposit to go thru and posted and then charged all these nsf fees an bank fees soi just stopped banking with them and told them im not paying you anymore money after they took my whole check XXXX month and fees ate up a lot if it. would never bank 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 non-monetary relief
Consumer complaint received 2023-06-16
Company: Aldous & Associates, PLLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Aldous & Associates , PLLC XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT, XXXX To : The Office of Registered Agent for Aldous & Associates , PLLC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. 

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX

Company response to consumer: Closed with explanation