BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-07
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
I applied for a loan online through a loan company that sends my information to a group of lenders to get them to accept my application. I was contacted saying I was approved for a {$5000.00} loan. I thought these type of companies were legit but now I am seeing that even they are fradulent. I was at work and desperate for funds so I could go to my grandmothers funeral. They agreed to give me a small loan to make a payment within 24 hours. My account was in the negative to begin with so I didnt think anything of it. Now my bank account us being closed by my bank and they are saying I committed fraud but I had no knowledge I offered to send them all the emails between them and I and they refused to receive it saying it dosent matter pretty much it is not their concern. This is going to go against me on my credit when this is not even my fault. Help what do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I purchased a car from XXXX XXXX XXXX I back in XX/XX/2011 and it was financed with GM Financial. I am XXXX XXXX  military and during the course of the loan i have XXXX 5 times and have been able to get no real assistance with GM. I was told i have military benefits applied to my account and i do not believe that to be true. During the outage i have not received any statements nor was i able to speak to customer service. The phones would ring busy or agents would answer to state the systems were down. Finally after my wife reached a rep in XX/XX/XXXX i was told no information would be reported for the months the system was down because customers were unable to make payments. I will soon be in the process to purchase a home and now after not reporting for 6 months GM Financial places 6 months of negative history on my credit reports. Phone reps said they didnt know when they would round and when my wife chatted with only they said they would make a request to update for XX/XX/XXXX. This has been a stressful process and could potential affect my military clearance and my home buying process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-07
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Specialized Loan Servicing is attempting to take my home away through foreclosure. I am severely XXXX and have nowhere to live if they kick me out of my home. It has been a ten year struggle to try to get them to work with me to obtain a reasonable payment plan, restructure loan or loan modification, but can not seem to get any favorable results. All they do is send me to mediation where their evil attorneys attack me as though I have done something illegal. All of my attempts at working with them in a fair and transparent negotiation, have resulted in me facing their attorneys. I have never had a review for retention options and their legal shenanigans have cost me an unbelievable amount time, money and trouble. They have made some offers which I would gladly accept, but we have never been able to consummate the deals. Each time I contacted them to move forward with a review that would get me into a reasonable mortgage payment, SLS has backed off and we ended up back with the mediator or back in court. I no longer trust them because of how they have treated me throughout the years. I truly need SLS to engage in a fair and transparent negotiation and to review my circumstances for some sort of workout option using my current financial situation. I have enough income to resolve this matter and make things work, but SLS needs to come to the negotiation table in good faith and leave the attorneys in their offices. As it stands now, my interest rate is at 11 % ( when others getting 3-4 )!!! I am simply looking to be treated fairly and live in my home for the rest of my life.

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 2018-12-07
Company: LDF Holdings, LLC
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received an online loan in the amount of {$1000.00} on XX/XX/2018. I make bi weekly payments on my paydays in the amount of {$200.00}. I have made 2 so far. I called to pay off my loan on my next payday and the company said my payoff amount is {$1200.00}. I only borrowed {$1000.00} and have made {$400.00} in payments. I have heard nothing from them after sending multiple messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am attempting to log in to their website to retrieve my tax documents for the year XXXX. The website and their XXXX app has been offline since XX/XX/XXXX according to them. I attempted to contact customer service but their phone number is out of service. I am also unable to log in which means I will not be able to pay the loan if the website shutdown continues. I attempted contact through their official XXXX webpage and was informed they are having technical difficulties but had no further information on this matter. I will be unable to submit accurate tax information for the year XXXX due to how they are handling their technical difficulties. According to them, there website and methods of contact have been shut down for 1 week as of XX/XX/XXXX. They are currently not helping or assisting their customers who have no choice but to use them due to how the Department of Education is contracting with them. 

Contact between their XXXX Page representative and myself : XXXX XXXX How long is the scheduled maintenance scheduled for? I can not find any information and need my tax documentation.. Doesn't look like this information has been posted anywhere. 
XXXX XXXX  Hi ******, sorry for the frustration. Our tech team is currently working to have this resolved as soon as possible. Are you able to provide your user name for further trouble shooting? 
XXXX XXXX  My username is ****** XXXX XXXX Great. Thanks so much for this info ****** and we will try to resolve this as quickly as possible. 
Thank you Link to the XXXX Page : https : XXXX Link to XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a USPS money order last month into my Bank of America account and it was held for 9 days. It cleared eventually but I was charged service charges on items that automatically come out of my account based on this same check clearing every month in a timely manner. There was no reason to hold this money order when I told rep to check the past and see that I make this deposit every month. Nothing was done. I have been a customer of BOA for over 20 years. As a courtesy they should have released the deposit. 

bOA rep told me that the payer had put a hold on the check, this statement was not true. I have deposited the same check for over 3 years into my BOA acct, with no holds. 

I deposited another check yesterday I received, from a large MAJOR legitimate insurance company and BOA is holding this check, unnecessarily. I feel that this is obviously an unfair subjective practice based on race.

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 2017-12-09
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: Information belongs to someone else

Complaint:
XXXX XXXX, XXXX and Experian have allowed fraudulent attacks to my credit reports. I have lost more than {$100000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
All inquires are from XX/XX/2018 and are fraud XXXX XXXX XXXX Capital One Saks Fifth Ave XXXX XXXX   XXXX XXXX Capital One XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I open this home equity loan inXXXX is still owe {$25000.00} the loan amount was {$29000.00} and I been paying on loan for 8 years of more which I pay from $ XXXX {$200.00} each month .have not missed any payment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: Experian Information Solutions Inc.
State: ID
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 very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Experian failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this ... 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : 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 explanation
Consumer complaint received 2018-12-07
Company: Remitly, Inc.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Remitly promised to deliver money within minutes. 
I paid XXXX $ but no service was provided. 

Company Name : Remitly Receipt Number : XXXX Sub, itted XX/XX/2018 Company is not giving realistic date when money will be available to be picked up. Giving fake promises. This was an family emergency this is why i sent money. 

Please let Remitly know please return the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In the process of closing on my new home the mortgage broker, XXXX XXXX XXXX, I was using email was hacked on XX/XX/XXXX. I received and an email advising me to wire my closing funds ( {$4900.00} ) to a JP Morgan Chase Bank Account : Account name : XXXX XXXX XXXX.

Routing number : XXXX   Account number : XXXX I walked into my bank XXXX XXXX XXXX XXXX to process the wire request- Wire confirmation number : XXXX XXXX XXXX XXXX OnXX/XX/XXXX I received another email requesting closing funds because the " wire was rejected. '' At that point red flags went off and I contacted my real estate agent who in turn called the mortgage broker and we determined at that time his email was hacked.

I went directly to JP Morgan Chase branch located on XXXX XXXX XXXX. The personal banker advised she could not access the account because the account was frozen. She called in to the customer service/fraud department and they advised the account was frozen for review and no information could be provided to me since it was not my account and I was not a client of theirs ( I expressed that I was a credit card holder with the bank but that did not matter ). I was instructed to get in contact with my bank to request a wire recall.

I then went to XXXX XXXX XXXX XXXX   and processed the wire recall on XX/XX/XXXX inside of the branch. Since then I have heard nothing unless I call in to check the status. I have called XXXX XXXX XXXX XXXX who states they have sent over multiple wire recalls and have only received one response stating the account is being reviewed. XXXX XXXX is telling me to contact Chase to see if I can get it resolved faster because there is nothing they can do until Chase responds. I call Chase and no one will help me because I am not a client/ account holder and advises me to contact XXXX XXXX XXXX XXXX .

Monday was my last and final time calling XXXX XXXX XXXX XXXX after this cycle of calls, back and forth, and ultimately being told this could take 6-12 months to be resolved. I previously worked in the fraud department with a local bank and this time frame is unacceptable.

I am prepared to escalate this to the attorney general and above if this is not resolved. Fraud is never fun for any of the parties or institutions involved but I am not receiving any resolution. Being told to call back in a week or 2, to wait 6-12 months, requesting multiple wire recalls is ridiculous. I am prepared to end all banking relationships with both institutions.

This complaint is for XXXX XXXX XXXX, JP Morgan Chase and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: CL Holdings LLC
State: IN
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:
It states i opened an acct in 2016 and I did not currently shows that I owe {$2000.00}. They do not have license to collect or contact for debt in the State of Indiana. I want this information removed from all 3 of my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: CA
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 am formally requesting this complaint to correct the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureuas are obligated to finish your investigation within 30 days ; please do so, otherwise they will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. The XXXX 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 correct from erroneous reporting in my file are listed on my credit report : XXXX. XXXX XXXX Balance {$1100.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Balance {$170.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

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 2019-11-19
Company: Navient Solutions, LLC.
State: AL
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:
Navient is incorrectly reporting deferment status for my student loan. I am in an 8-year XXXX   program at an accredited university with automatic deferment ; however, Navient is reporting that my deferment is only until XX/XX/2019. Not sure why Navient chose not to correctly report my deferment period. I have applied for credit, and the creditor is reporting that my student loan with Navient is due at the end of XX/XX/2019 and not in deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Experian Information Solutions Inc.
State: NC
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 have disputed an account with Experian numerous times and the continue to display inaccurate account and information about a old XXXX fraud account that should not even be on my report since it was settled and debt canceled and XXXX agreed to remove after canceling debt. The account has been removed from other credit reports but Experian refuses to remove account even though its inaccurate and I have supporting documents from 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 2019-04-07
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been fighting with Wells Fargo for over a year now they did not go about it in a professional way to let us know we were in danger of a foreclosure they say they did but we didnt recieve anything because if we did we would have acted sooner and taking care of everything sooner and its because of them that we fell more behind because our mortgage wasnt behind by much when we called to do a loan modification and gave us the run around and said we have missing paperwork when we faxed it them, mutilple times and we think its funny that everytime we tried to make a payment during the process they said we couldnt and every person we ever talked to would mysteriously disappear and wouldnt be working there anymore which I believe is shady ...

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 2019-11-19
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment in XXXX of 2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
i have two equifax credit files XXXX XXXX XXXX this is the correct report ( confirmation # XXXX ) XXXX XXXX XXXX incorrect / not valid ( confirmation # XXXX ) with my creditors pulling the XXXX XXXX and not XXXX XXXX. they are unable to use my credit report. 

i do not have a fraud alert anymore. they need to get rid of the XXXX XXXX XXXX XXXX XXXX is the correct report. 
please help confirmation # XXXX is correct confirmation # XXXX is incorrect it is all in my middle name XXXX is the right report XXXX is not

Company response to consumer: Closed with explanation