BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.

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 2021-11-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have requested and extension for my Foreberance plan because I have been impacted under the Covid 19 and SPS continues to harass me sending me threaten letters call me all times of the night and refused to acknowledge my right to request and extenson under President Biden Cares Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: WELLS FARGO & COMPANY
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:
XX/XX/2019, XXXX XXXX XXXX reported an account to XXXX XXXX and XXXX. I requested that this account be removed from my credit report. the account was never removed from my credit report. I am asking for verification of this debt. the social security that the company has on file does not match my social security number. I haven't opened any accounts with this company. I am also having issues purchasing a home because of this account on my credit report

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 2021-09-07
Company: EQUIFAX, 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:
A couple of years ago I purchased a home but prior to being able to I had to have my credit repair there was a professional that came highly recommended who repaired and rebuilt my credit for the purchase. 

At closing on my house my credit score was a XXXX so I didnt have a need to check my credit to often but when I did I noticed that a car had been finance. I have never been in receipt of the vehicle that ultimately was repossessed. XXXX XXXX is who I suspect used my information to acquire this car because he had a side business with XXXX where he would purchase XXXX and rent the vehicles out. I have been a victim of identity theft in the past and I also have an extended fraud alert on my credit which he added so he would have access to my information. 

I contacted the XXXX Police Department and the XXXX XXXX Police department. XXXX Police Department stated there was not much that they can do without more information on XXXX XXXX. The XXXX XXXX stated that XXXX XXXX did not come up with any suspects and that XXXX XXXX could be an Alias. 

I contacted the dealership and they confirmed the vehicle was delievered to an address that was not my own. 

I was eventually able to locate XXXX XXXX and advised him I would find him and press charges unless he made arrangements for me to get the car back right away and unfortunately because I did not create a budget to own a XXXX I thought I was doing the right thing by returning the car. 



I didnt want to get him in trouble because he helped build my credit but looking at my report this account is hurting me personally and business wise. 

On XX/XX/2021 and XX/XX/2021 I sent letters to the credit bureau 's and creditor. 
The repossession was removed from XXXX and Equifax but not from XXXX. 
The creditor has not responded to my letter sent in which I attached a copy of my identity theft affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: WELLS FARGO & COMPANY
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I took out a private student loan for {$5000.00} with a variable rate in XXXX XXXX, and deferred it until XXXX. I was then told that the balance at that point was {$7900.00}. I toke another deferment for about XXXX-6 months ( which was falsely reported to the credit bureau as late ). However, my complaint is that I have paid {$8300.00} ( not including this months payment ), and Well Fargo still claims that I owe {$4500.00} ( not including the payment I made this month. I tried to refinance this loan in XXXX of XXXX, and they refused to let me do-so stating that my credit was not up to par. I feel like Well Fargo is practicing predatory lending regarding this account, because each time I make a payment the balance seems to stand still or goes higher. Please help me! I feel like I will be paying them for eternity ...

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 2022-04-03
Company: Experian Information Solutions Inc.
State: CO
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # 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

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 2021-10-04
Company: Paypal Holdings, Inc
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
Hi there, The transaction was happened on XX/XX/2021, the purchased was on XXXX XXXX XXXX  and the ONLY payment method is PayPal. My wife ask me to purchase a 1 x XXXX XXXX XXXX XXXX - XXXX  ( a81 ) = {$89.00} but when I checkout via PayPal I realize it is totally a FRAUD website cuz the payee called and the email associated with this person on PayPal is XXXX. This definitely not the REAL XXXX. 

I already try to send an email to them but it turns out the email doesn't exist : ) The funny thing is I filed a dispute on PayPal and the payee provide a USPS tracking to prove they did send something to me then PayPal denied my dispute. What a joke. 

1. The tracking number is XXXX and you told me a Stroller can be delivered in a mailbox????????? I even didn't receive anything at all. 

2. I already provide the information to you, it is very very very clear that this payee create a phishing website and you still continue to allow this payee to got pay via PayPal? shame one you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-15
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had a very difficult time with SLS. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. SLS always seemed to lose my paperwork, which I constantly had to re-fax. I currently have a full modification package submitted with every required document. SLS has refused to review the documents. Stating the need 37 days. I have been informed by HUD under the California Homeowner Bills of Rights it 5 days. Which I have done. 

The hardship that has caused me to be in this situation is I was laid off 8 months before COVID hit the United State. I was applying for a new jobs and the pandemic stopped all the interviews and process I had completed. I kept looking for work during the pandemic and was finally hired for a new job in XX/XX/2021. I am back to work full time with a great new job and with my wife income as well we can easily afford our mortgage payments. HUD has informed me that my gross income qualifies under mortgage banking guidelines.

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 2017-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I paid XXXX XXXX A Professional Law Corporation, Attorney XXXX XXXX, XXXX # XXXX {$5100.00} to represent me in XXXX XXXX, Case No. XXXX. It is to my knowledge that Attorney XXXX XXXX was paid by Bank of America funds to which I also would like to receive from Bank of America. Bank of America foreclosed on my property, while I was trying to do a modification. The State Bar disbarred Attorney XXXX XXXX, XXXX. The Federal Trade Commission stated that case no. XXXX XXXX went to the U.S. District Court for the XXXX District of California. XXXX XXXX did get paid and maybe more. I will be faxing paperwork asap. Anything you can do to help would be appreciated. Thanks in Advance.

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 2022-04-03
Company: JPMORGAN CHASE & CO.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Purchased a flight on XXXX XXXX for {$180.00} on XX/XX/22. Promotion for {$250.00} statement credit if applied for XXXX XXXX credit card. 

Applied for the card. The {$250.00} credit was even reconciled against my {$180.00} purchase to show a +~70 remaining credit. 

When my first statement arrives, the credit is nowhere to be found. I called XXXX customer service on XX/XX/22 and was informed I actually applied for a XXXX XXXX, not XXXX XXXX XXXX. ie : only XXXX miles are received after XXXX in purchases vs a {XXXX} credit. 

This is an unfortunate bait-and-switch I would like corrected, please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: T.S. Holdings
State: AK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The collector was using abusive language. My roommate who is also involved in the debt. said that he cussed at him. While my roommate was in the hospital just after having twins he called him. And he told him he didn't want to talk to him right now due to being in the hospital he said " I don't care, you need to deal with this right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: CITIBANK, N.A.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I got an offer in my email XXXX credit line available to me. After just a few clicks, the loan was executed. I didn't have a chance to speak with the banker about the interest rate or what to expect, and I was never provided with the executed signed documents. Within a month, I realized the interest rate is not 7 % as advertised ( catch! ), but it's compounding. Since then, I have been trying to contact the personal loan Citibank representative, but the number provided is impossible to get through. Whenever I get a rep online, it goes to outsourced customer service who hardly speaks English who completely dysfunctional to service my banking needs. When I ask to be connected to the United States customer service, I get transferred back into the stream. I went to the local branch of Citi Bank XXXX XXXX XXXX XXXX NV a month ago asking for help with this loan and if they could explain how this interest rate works since I haven't gotten ANY disclosures, not email or hard mail. The branch manager said they have nothing to do with my personal Citibank loan, and I have to call the number provided online for the personal loan department. I explained I have been trying and its been months. I requested them to order hard copies of my loan signed. I never received any documents. I have contacted Citi bank many times through chat they said they have no access to a personal loan. I am paying each month on time and it has been months since I can not get disclosures. 

On XX/XX/XXXX, XXXX XXXX sent me a check for {XXXX} at the CitiBank address. I provided them with my checking account number and my debit card number. The next thing I know, this check was cashed towards my personal loan without my consent. The only information for this check was given is the debit card and checking account number. I lost these funds to be available to me as it was anticipated with the request of the transfer from XXXX XXXX. Again I can not get in touch with anyone in the personal loan department. 
I can't get my personal loan full number XXXX to provide for this statement because I have no disclosures. Online it only shows the last XXXX numbers. I only have a reference number from the email after this loan was executed just after a few clicks. Why my funds of {XXXX} was deposited towards the personal loan without my consent while the issuing bank had clear instructions for my checking account only.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
on XX/XX/17 my wife XXXX XXXX filed for Chapter XXXX Bankruptcy case number XXXX. The house was listed on the schedules as she is on title and has to list any properties she owns. She and myself are on title. She is not on the mortgage. My loan is with Chase. Loan number XXXX. Chase has now stopped reporting my account to the 3 credit bureaus as they state I am in bankruptcy. This is affecting me because I can not reaffirm the debt as I am not the one who filed for bankruptcy. My wife can not reaffirm the debt because she is not on the mortgage loan. I called Chase to inquire about this and they said my wife needs to sign a reaffirmation agreement. I explained to them she is not responsible for the debt she is only on title. The reaffirmation is only for the person on the debt that filed bankruptcy. I can not reaffirm the debt either because I have not filed bankruptcy. My wife has asked her XXXX XXXX   and she has advised her that Chase should be reporting the account as current because it is not her debt and I have not filed for bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Though I have flawless payment history, and have stayed under my credit limits at all times, the issuer has reduced my credit limits and negatively impacted my FICO scores due to credit usage. This is unfair, in that Ive stayed reasonably under the limits to avoid this problem, but when the company arbitrarily reduced my limits, the net impact on me was that my usage went from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by virtue of the company reducing my limit. Ive complied with the companys policies, paid on time, never paid less than minimums, and not exceeed the limit, yet Ive been negatively impacted by the companys actions.

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 2021-05-13
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, I contacted XXXX and asked them to apply my XXXX payment to principal and to send me a payoff letter as i was refinancing car. I contacted XXXX at least 7 times by phone and 6 by email since XX/XX/XXXX. The last contact was today XXXX XXXX to date, XXXX  still has not applied the XXXX towards principal nor have they sent me a payoff letter. Instead, they continue to add more interest to the loan when this loan should have been refinanced XX/XX/XXXX. I want XXXX to fix my XXXX payment, send me payoff letter and refund all interest accrued since XX/XX/XXXX. There is no reason why it has been 13 plus days and they still have not completed my request.

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 2022-04-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Subpoena was improperly served and handed to my roomate and falsified to say it was handed to me when it was not. so a judgement was made without time for me to properly dispute and represent myself.

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 2020-12-22
Company: Bridgecrest Acceptance Corporation
State: IL
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:
I have tried to voluntarily repossess the lemon that XXXX XXXX sold me haven't even had my car a year and the engine failed. They never mentioned anything about XXXX XXXX having engine failure especially that specific make and model the XXXX soul plus. Usually people just repossess the car they want me to pay for my own tow and sign paperwork which is not something that usually happens with paperwork my attorney advised me not to sign any of the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Experian Information Solutions Inc.
State: PA
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:
There are many mistakes appear in my report without my understanding.

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 2022-04-03
Company: EQUIFAX, INC.
State: IN
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  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX  XXXX XXXX and XXXX  XXXX XXXX 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. 

Also these inquiries are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: AES/PHEAA
State: AZ
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:
I tried calling FedLoan ServicXXXX on XX/XX/XXXX but didn't get in touch with anyone. I called XXXX  XX/XX/XXXX and spoke with XXXX XXXX but didn't get any luck. I was calling about a FEDLOAN account ( XXXX ) not being updated since XX/XX/XXXX, which is odd because I have not missed a payment at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22
Company: V and H Portfolio
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt collector was notified that I paid the debt in full to the original owner XXXX XXXX. Furthermore XXXX  was notified that XXXX  XXXX of XXXX XXXX never delivered the furniture in 2015 that I signed to purchase as they claim it was out of stock and gave me something else. The entire file is fraud and misrepresentation originating from XXXX XXXX.

Company response to consumer: Closed with non-monetary relief