BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent out a letter To Verify The Accuracy On Credit Report. In I have not had a response. I also send out another letter just in case they didn't receive it still no respond. I Have the right to verify the Accuracy of the account being reported. 

Also Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( i ) which is the term credit card means any card or plate, coupon book or other credit devices used device existing for the purpose of obtaining money, property, labor or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are in violation of my rights as a federally protected consumer under title 15 chapter 41. I demand that you remove the following accounts and send me my updated consumer 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 explanation
Consumer complaint received 2019-10-11
Company: Experian Information Solutions 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 have sent Experian, XXXX, and XXXX   everything that they ask me to send them to show that I was a victim of identity theft

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 2019-10-11
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I have worked with BMW financial for BMWs for 6 years, never made a late payment. Upon the expiry of my XXXX lease, I returned my vehicle into the XXXX dealership as I moved from the bay area. I returned the car. The person at the XXXX   dealership said the car looks great and I signed an XXXX and that was it. 
Three weeks later XX/XX/XXXX I received a bill for $ XXXX+ stating there was {$XXXX} for excess wear on the after market rims I had placed on the car. I have the four original rims in my garage. Had I been given the opportunity to know what would be charged to me, I would have easily returned these. I received a third party assessment in the mail after I had already received a bill from BMW, stating that I would have the chance to rectify any charges assessed on the condition of the vehicle. I never was. 
I called BMW on the XXXX and they said it was a dealer issue. I called the dealer and they said it was a BMW issue. 
I had BMW offer a {$XXXX} discount off the {$XXXX} amount they requested, but I disputed the entire charge. On XX/XX/XXXX I sent a letter stating the above and got no response and just continued demands for the bill outstanding. 
I am shocked that they would treat a customer this way, with my history of perfect payments with BMW. 
I got no response. No explanation. No offer to take the original as-new rims. Nothing just a $ XXXX invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
TODAYS DATE : XXXX/XXXX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT CAPITAL ONE BANK USA NA To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 
What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX 
Copy of the credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: EQUIFAX, 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 HAVE CONTACTED YOUR COMPANY AND INFORMED YOU THAT THE FOLLOWING ACCOUNTS DO NOT BELONG TO ME YET YOU STILL CLAIM THAT THEY ARE VERIFIED. MY QUESTION IS HOW CAN A FRAUDULENT ACCOUNT BE VERIFIED. I KNOW FOR SURE THERE IS NO LEGAL BINDING DOCUMENT BECAUSE I HAVE NEVER HAD ANY BUSINESS WITH THESE COMPANIES. ONCE AGAIN I AM A VICTIM OF IDENTITY THEFT AND I REQUEST THAT THESE ACCOUNTS BE DELETED. If for some reason, you choose not to investigate, or send me another letter stating that you have already verified the account, I will do the following : ( 1 ). File a complaint with the Attorney Generals Office. 

( 2 ). Explore all legal options on this matter. 

I dont want it to come to this. Please delete the following accounts. 

XXXX XXXX IN THE AMOUNT OF {$1300.00} XXXX IN THE AMOUNT OF {$1800.00} XXXX IN THE AMOUNT OF {$2800.00} XXXX XXXX IN THE AMOUNT OF {$420.00} XXXX XXXX IN THE AMOUNT OF {$730.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Penn credit Corp has a XXXX XXXX  utility bill with XXXX XXXX XXXX date is was opened was XX/XX/2016 I never signed a contract nor did I show an ID I did not authorize this bill to be put into my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2019 Commonwealth Financial was made aware that accounts that their company held under my social security numbers were a result of identity theft and did not belong to me. Commonwealth verified this account as mine and inserted back onto my credit file however they do not belong to me. Commonwealth did not send me a letter notifying me that this account was owed and was being reported to the credit agencies. Commonwealth is continuing to report inaccurate information onto my credit file. Not only that how can Commonwealth verify anything medical with a credit agency being that I have never signed HIPPA form authorizing XXXX XXXX to have access to my patient information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: GA
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:
Experian refuses to accurately validate accounts on my consumer report please see attachment

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 2018-08-24
Company: Ditech Financial LLC
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: Account information incorrect

Complaint:
I have an issue with my XXXX credit report, it's showing that my closed account with DITECH is paid but foreclosure procedures started in XX/XX/XXXX. This is incorrect information as the account was paid in full in XX/XX/XXXX. I have disputed this information for the first time in XX/XX/XXXX I have a letter from DITECH supporting this information and I have presented this to XXXX. The dispute results states that they contacted DITECH and they said the report is correct despite the legal document that I have, signed by DITECH and issued onXX/XX/XXXX stating the contrary.

I have contacted XXXX   multiple times to get help on this issue but they won't change the report affecting and damaging my ability to get any type of credit due to incorrect information in their report. In my last call to XXXX ( XX/XX/XXXX ) the operator told me that i have to contact DITECH as they can not change my reporting even with the legal documentation i have provided showing the opposite.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am just lost foe words now I do not know whom to talk to or reach out to, this has been going own since XX/XX/2015, I was originally approved for a Deed in lieu moved out home moved in with my mother in law, had inspectors com to home several times, kept getting the run around stating we need this we need that nothing, call in get transfer to everyone but whom is over the account, ok now we found someone to buy the home got an agent to help us we are still getting the run around, stating we need this we need that, my agent sent over everthing an I even sent the paperwork on my behalf as well. Im just so tired of going back an forth with this Company Select Portfolio Servicing, I dont know whats going own over there but something needs to be done because for number one they have are not organized no one no nothing an im tired. I expressed to them that I am not able to afford this home due to my income & hours dropping. Can someone please help or direct me where I need to go to get this situation done an over with. I am mentally drained

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2019 I applied for a program with SALLIE MAE to lower the payments of my student loans due to changes in life circumstances. They told me I would make three qualifying payments of {$32.00} for three months and then qualify for the program. The next month, I get notice that my loan is delinquent and will be reported to the credit agencies. When speaking to a representative, I was told that they made a mistake and that the qualifying payments should have been {$50.00} for three months to qualify, so I made arrangements to pay the difference on XX/XX/2019. Then I was told that my loan actually didnt qualify for the  program and then I was told that I could do three qualifying payments to tack them on to the end of my loan so I wouldnt be delinquent, even though I wasnt delinquent and had followed all the details of the plan they put in place. 
I was affected by the hurricane that caused us to evacuate, so XX/XX/2019 was granted a hurricane/ disaster forbearance. XX/XX/XXXX the dented {$120.00} from my account from the last plan they had put me on, even though I was on forbearance and told nothing was due. They refunded the money, but when they did it canceled my qualifying payment and put my account as delinquent, even though I was told the forbearance wouldnt affect this plan I was forced into because of their mistake. Sallie Mae has deceptive practices. As a teacher is would be nice if the public service forgiveness was eligible for these loans.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, at XXXX XXXX I called Citibank to have them close my account. I had a {$0.00} balance, so I told customer care that want to close, and, was on call with them for 3 min & 27 seconds, and they confirmed my account is closed. They confirmed that they will send me out via regular mail, a closed account letter, which I never received. To my shock and awe, a couple days later, on the XXXX of XXXX, i was charged a monthly service fee of {$12.00}, take into account, I had closed account several days prior, and brought my account negative, so they charged me and insufficient funds fee on top of that. 

Over the past month, the incessant calls i have been receivieg from Citibank customer services has been a real burden, them asking me to settle my negative balance, when i close my account over a month ago, with a XXXX balance. I had said on the numerous harrassing calls to me, when i have told them to stop calling me and had closed my account over a month ago, they still keep calling me, the most recent was this past Sunday, XX/XX/19 at 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 monetary relief
Consumer complaint received 2018-01-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In year of XXXX i took plead deal on a sales tax for underreported sales it was a partnership. it was mismeanor offence. In XXXX i apply for credit card with Chase Bank they sent out my cards to me. within 2months they close my account. I wrote a letter to their excutive branch and they said, they decline me because I pleaded guity to a tax fraud in XXXX just found out this information today XXXX/XXXX/XXXX. I bank relation with other Banks i.e. XXXX XXXX XXXX, XXXX, and XXXX XXXX .. This happen 10 yrs ago in our XXXX XXXX .. please give me some direction what need to do clear my name with Chase Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: AES/PHEAA
State: GA
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:
XXXX XXXX XXXX is reporting late payments to several of my student loan accounts. During the time late payments are reflecting on credit report my student loans for in forbearance due to financial hardship and loss of employment. Late payments are inaccurately reported with credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: BlueChip Financial
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Took out a loan at 490 % interest because I needed the money, Paid all of the payments but had 3 that were late. Company charged me {$930.00} interest on those XXXX payments being paid late. The loan was for {$800.00} and now are refusing to eliminate the illegal interest being charged even though the loan was PAID IN FULL! This company must be stopped

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: SUNRISE CREDIT SERVICES, INC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Initially I was mailed out a letter from Sunrise Credit Services Inc dated XXXX/XXXX/XXXX stating that I owed them for an account from XXXX for the amount of {$570.00}. In this letter there was no itemized statement to show what exactly I was being charged for. The balance is incorrect. XXXX/XXXX/XXXX I went and mailed out a debt validation letter requesting Sunrise to submit proof that I held a contract or legal obligation to repay this debt that they are accusing me of owing. I received nothing at all. Not a statement, no itemized detail of the balance or signature showing I had a contractual obligation to pay them. I am requesting to have this debt removed from all 3 of the primary credit bureau. They had more then 30 days to verify this debt was 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 explanation
Consumer complaint received 2019-05-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
i have two account checking to be exact i have overdraft protection on .one of the account it not i use only to cover overdraft if it happens but chase just inform me that a checking account can not be used for overdraft protection. all the items are been clear right before midnight or 3 minutes before or not showing a negative account at all into nest day where they charge the fees. not giving the customer the ability to transfer the money within the same bank. also i have alert that inform when my account is overdraft never arrived the text either until after the charges have charge or not at all. i feel this type of transaction are having the customer be cough with all this charges with no chance to deposit or transfer money very snick practices XX/XX/XXXX 2 charges of 34 other times multiples charges of 4 transaction of 34 being charge when the money was deposit before everything else was clear.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A dispute was made to correct inaccurate information being reported by these four creditors yet all four comes back reporting more inaccurate derogatory information like the account status being derogatory when the status of an account is closed. The current payment status is in collections explain how this can be in collections when they sold the account they all have me in collections yet they do not own the account how can that be Explain how a closed account status read derogatory and not closed when in fact the statue of the accounts are closed. 

Explain how the current payment status can be in collections they sold the account how can they have a collection on me

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 2019-10-11
Company: WELLS FARGO & COMPANY
State: GA
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:
First, on XX/XX/XXXX, I contacted Wells Fargo using the toll free number provided in the billing sent via email to dispute the charges and to let them know that the old credit card I had ( XXXX XXXX was closed on my request with a XXXX balance. 
Secondly, I told the associate that I have not applied for nor have I received the credit card ; and, third and most importantly, I was not in the country when the card was sent and the charges were made. 

The associate from the Wells Fargo dispute center told me that someone from their office will contact me within seven days to let me know of the status of my dispute. Instead, the company sent me a letter stating that I have violated the card agreement and that I am responsible for the {$XXXX} charges, late fees and penalties. 

The outrageous claim that I violated the card agreement is that there were none to begin with since I have never applied for or received the card. 

The charges were made in early XXXX when I was actually working at the XXXX XXXX to the XXXX XXXX in XXXX XXXX, XXXX. I left for XXXX on XX/XX/XXXX and did not return to XXXX until XX/XX/XXXX. The charges were made at bars and cigar shops, places I never been in my life. 

Wells Fargo 's poor business practice has led to my credit scores plummeting from the high 700 to the mid 500s.

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