BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-17
Company: Selene Finance LP
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am an XXXX working per contract. Last year I had a hard time finding a new contract, so I run out of savings and I fell behind with my bills. 
Finally in XX/XX/XXXX I found a 6 month contract in XXXX XXXX TN, working for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
We had a very tight schedule. We were working 7 days a week and over time. 
I received a letter from the mortgage company that my house was in foreclosure however they wanted to help and they were offering me several options. 
The first option was a repayment plan which I wanted to apply for. 
I am offering a 6 month repayment plan of XXXX dollars per month. 
The Bank refused the plan saying I have to pay the XXXX dollars at once. 
My question is why they offering me a repayment plan as a first option if they are not willing to go with it. 
On the other hand a 6 month plan is a reasonable plan that will solve the problem in a relatively short period of time. Instead, they prefer to drag me thru the foreclosure. 
They claim I have to modify the loan, but I say I do not want to do it because my mortgage has a lower interest than any modification. 
They want to get me on a higher rate so they can rip me off. 
Not unusual for a helping hand of a financial institution. 
Best wishes, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
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:
I have sent 2 method of verification requests via certified mail to Experian credit bureau and Experian has ignored my requests and have chosen to stall by requesting additional identification information eventhough, but each time they verify this information without this additional ID requirement. 

Experian has failed TWICE to provide the method of verification after receiving my request and is in violation of FCRA 611 ( a ) ( 7 ) which states that a method of verification should be provided by Experian within 15 days after my request is received. 

My dispute is due to an inaccurate, erroneous bankruptcy in my credit file. 

XXXX XXXX XXXX XXXX XXXX ... # XXXX Report number XXXX - XXXX XXXX, XXXX I am requesting that Experian provide me with an EXACT description of the EXACT procedures used to determine the accuracy and completeness of the information disputed. 

If Experian is not able to provide me with the information I have requested I demand that Experian will do their lawful duty and remove this inaccurate, erroneous bankruptcy. 
it is my belief that Experian has not contacted the courthouse because I contacted a clerk at the courthouse who stated that Experian at no time has contacted them regarding this inaccurate, erroneous bankruptcy. 

I plead with CFPB to intervene and have Experian provide the method of verification that I have requested TWICE or remove it from my credit report immediately. 

Experian is disrupting my financial life at this point and I am determined to contact every agency, news media, my congressman etc screaming at the top of my lungs regarding Experians blatant disrespect for my disputes & method of verification requests etc if this inaccurate, erroneous bankruptcy is not 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 explanation
Consumer complaint received 2019-03-23
Company: Clarity Services
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: Problem with personal statement of dispute

Complaint:
i am file a complinat against XXXX XXXX XXXX XXXX for file inaccurat report on my wife and my check account with the number isXXXX a account that we have has over a number of year. a credit agent clarity consumer report agency XXXX XXXX XXXX XXXX XXXX. the infomation that they release to the XXXX XXXX the decline based these factor on unacceptable bank account history and unacceptable bank account acivity. this is a critcal issue in a finacail live '' this a consequence. my wife and i never missed used any bank account please check with XXXX XXXX  agency. there is evidence demonstrate how clarity consumer report agency misrepresent customer account. this information is false and inaccurate that they has. and it need to be correct now. they just get sue for over XXXX XXXX by the government

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
USAA purports itself as a members institution. However, their unwillingness to recast a simple loan has lead me to go through their reapplication process. My credit score, is likely the exact same as last time, yet, they have marked their rate up to a predator 6 % increase on the previous loan. When asked for a reason why, the representative cited only the credit score, which has been fairly static, and is a decent #. They made no mention of market conditions, fed funds rate, or anything else. This leads me to firmly believe that USAA is now engaging in predatory lending as defined by applicable state law. I can not imagine the utter loan shark-ish practice they must be doing to others who have a lower score than mine. It is this disparate treatment, that I find to be Unfair, Deceptive, or Abusive Acts or Practices that needs to be examined by the OCC and FDIC as it puts not only myself as a customer at a risk, but also a reputational risk for the institution putting every members funds and livelihood in jeopardy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: AES/PHEAA
State: KY
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:
AES fraudulently reopened an account that was charged off and closed in XXXX XXXX by applying forbearances and deferments without my consent or knowledge. AES forged my signature on a forbearance request for the dates XX/XX/XXXX to XX/XX/XXXX. A 6 week forbearance is very unusual considering they are normally requested for 6 to 24 months ( see attachment ). AES admitted that after I demanded they remove all negative reporting and delete all tradelines, they applied forbearances and deferments to keep the account from falling off my credit report and keep it in good standing. I did not request nor sign any forbearance or deferment. The signed MPN is for the amount {$14000.00} while AES claims that owe over $ 90k ( see attachment ). AES is reporting inaccurate and incomplete information to XXXX and refuses to correct the issue and remove the tradelines. The tradelines have been on my credit report since XXXX and yet there is no other information than as of XX/XX/XXXX it is current and in deferment. AES continues to withhold information regarding the owner of the account as well as other pertinent information surrounding the dispute. I have requested this information several times and they refuse to provide anything. AES agreed to remove all tradelines from XXXX and XXXX, but they refuse to remove the same tradelines from XXXX. This is an FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Citi Cards initially advised my XXXX 2017 payment was never paid. I received a letter stating now it was received, but was 30 days late. This is false. Company is refusing to take responsibility and remove these late payments. I have never made a payment outside of 30 days. I would like to know what other federal regulation agencies that I can contact to finally get to the bottom of this issue. 

THIS IS A NEW COMPLAINT, WHICH ADDRESSES THE CLAIM THAT I WAS 30 DAYS LATE.

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 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA VIOLATIONS NOT MINE NOT MY CC XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2600.00} written off. 
XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Account charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Account charged off. {$150.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
NOT MY ADDRESS XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family NOT MY NAMES XXXX XXXX XXXX XXXX XXXX NOT MY JOB XXXX CONTROLS NOT MY INQUIRIES XXXX  XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/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 2022-01-29
Company: T.S. Holdings
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Company lost lawsuit against me which was withdrawn without COST to any party. 

Didnt live in state at the time of suit thats why judge withdrew. 

Never agreed to any threats or debt for new collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26
Company: U.S. BANCORP
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I, XXXX XXXX XXXX, am a XXXX XXXX. I represent a client in XXXX who is the victim of a socially engineered spearphishing attack. My client 's daughter 's email account was hacked, and the hackers were able to look through her email history and learn she will be getting married in XX/XX/XXXX. Using her email account, the hackers sent an email to my client posing as his daughter and asked for money to help pay for wedding expenses. My client responded by email and agreed, and asked for bank wiring instructions. The hackers sent him instructions to wire money to a U.S. Bancorp ( US Bank ) account in XXXX XXXX, CA. On XX/XX/XXXX, my client wired {$38000.00} to the account. Almost immediately, the hackers were able to make two cash withdrawals totaling {$10000.00}. The next day, the hackers made two cash withdrawals totaling {$19000.00}. 

My client realized on XX/XX/XXXX he had been scammed and alerted his bank, XXXX XXXX in the XXXX XXXX, who contacted their correspondent bank in XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX in turn contacted US Bank, at which point US Bank placed a freeze on the account in XXXX XXXX. By that time, {$19000.00} remained in the account. 

I have been able to track down the beneficial account holder, who lives in XXXX XXXX. I convinced the account holder to return to my client the remaining {$19000.00}, and he has received that money. I also convinced the account holder to allow me to have access to her bank statements. Based on the statements, I determined there were two large deposits followed almost immediately by four large cash withdrawals. US Bank has not been forthcoming in providing information with respect to those cash withdrawals -- I would like to know where the money was withdrawn, how, and by whom. 

Based on the two large ( {$10000.00} and {$37000.00} ) international wire transfer deposits, followed almost immediately by large cash withdrawals, it appears that US Bank failed to utilize appropriate anti-money laundering measures. Even if US Bank did have an anti-money laundering measures in place, the large international wire transfers and immediate cash withdrawals should have raised red flags and triggered immediate scrutiny. Furthermore, the two international wire transfers originated in XXXX and XXXX, two countries known to have rampant money laundering and bribery problems, and which are on the U.S. Department of State 's list of Major Money Laundering " Countries of Primary Concern. ''

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
The three credit bureaus ( Transunion, XXXX, XXXX ) are reporting inaccurate information on my credit report and have refused to help me! The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that possible if dates and other items are inaccurate. This is grounds for removal and they also violated my rights under 15 U.SC1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A. section 2 states a consumer reporting agency can not furnish an account without my written instructions Also the credit bureaus took more time than allowed to complete their investigation, here is my certified tracking # : Transunion - 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 2018-04-26
Company: EQUIFAX, 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:
The student loan representative promised for there fee of XXXX a month my loan payment would be reduced and no interest for three years would be charged to my account. In addition the consolidation was at 7.5 % which I assumed would start XX/XX/XXXX. At the end of the three years of no interest. My loan was given to XXXX and the representative reported that he was with the student loan company ; NOT ; XXXX XXXX and they indicated they dont use third party companies to get there loans consolidated. 
Soon afterwards, I received a bill from XXXX and XXXX XXXX for XXXX in XXXX of XXXX. 

I checked to day after making 5 payments to XXXX XXXX XXXX and owe more then I did when I started to pay them. The account is showing and listed as a CREDIT CARD on my credit report and now showing that I am late. 
I never applied for a credit card with this scam company!!! 
The representative stated today ; that a payment in XXXX was not received and they JUST posted that the account is late ; and NOW I owe them {$150.00} in late fees and plus the monthly FEE. 

How is this company still in business with ALL of the negative business practices that they are currently doing. 
Who can I contact for legal advice ; I was in the process of buying a house and my credit score just dropped 30 points today XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14
Company: EQUIFAX, 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:
I noticed I had a fraudulent account on my credit and I have tried to remove it, but the bureaus have ignored me claiming that this was not sent by me. yes it is sent by me! please remove this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I use a Chase credit card, every month I call in to make a payment. After making the payment I remove my payment information from the account. Three times they have failed to remove my banking information after stating they have done so. 

The last request was on XX/XX/2018 in which they sent a letter stating the information had been removed. 

On XX/XX/XXXX I made another payment to my Chase credit card in which the information remained on file and the account information ( last four digits of my credit card number ) was provided to me by a Chase agent that was not located within the United States. 

I requested a manager, was transferred. I reported the regulatory error to the manger. They apologized for the mistake, refused to give me information to contact any government regulatory bodies that credit card companies report to. Refused to take note of this information to report it up the chain to provide me the information. Instead the manager was only willing to give me the address for an internal Chase complaints department.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: NCC Business Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently filed a dispute with CFPB regarding NCC business Services reporting incorrect amounts on my credit report as well as re-aging the dates on my credit report. I also stated how NCC business service refused to respond to my validation request that was sent to them by certified mail. NCC responded stating that they reached out to the landlord and stated incorrect dates that were supposedly given to them by the landlord and that they did respond to my validation request which is also untrue. In my dispute I provided a copy of a civil judgement that was discharged listing a date and amount that is different from what NCC is reporting. According to the FDCPA a collection agency CAN NOT verify a debt only a creditor can. Im requesting that CFPB submit proof that original creditor verified the  accuracy of their reporting amounts and dates. NCC also claimed that I broke my lease in XXXX of 2013 but on my credit report it has an expiration date of XXXX of 2013. NCC stated that they in fact responded to my VALIDATION letter in which I attached a certified mail receipt proving that my letter was sent and received. Its only fair that NCC attach proof that they in fact sent me a response letter as well as a copy of the validation letter that was supposedly sent to my address. Im also requesting that NCC also submit proof that I gave them permission to even contact me regarding this alleged debt. Im also requesting proof that I gave NCC business services permission to use my PII to establish an account on my behalf-which can be a form of identity theft. i did send a copy of my drivers license and social to NCC which was after they placed this negative information on my credit report and created an account in my name without my consent. Im also requesting proof that NCC provided me with a 30 day notice before placing the alleged amounts on my credit report. NCC is not only violating my rights and the laws within the FDCPA but have caused me tremendous amount of stress but had also caused my credit to be damaged. I also request that instead of NCC sending me the proofs that Im requesting I would rather they attach with their response to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: Netspend Corporation
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:
I have Direct Deposit with Netspend ( XXXX ). My job sent direct deposit for {$6100.00} on XX/XX/18. XXXX received on XX/XX/18. I was supposed to have the DIrect Deposit in my account at the latest on XX/XX/18. I had to wait for 48 hours to receive my deposit.

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 2022-03-07
Company: World Acceptance Corporation
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
World Finance in XXXX Oklahoma will not quit contacting my employer I've asked several times for them to not contact my job and there still continuing to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
This problem has been going on for years. I currently am trying to re-enroll in school and I continuously get messages saying that I have loans from XXXX that are in default but when I go to the website the loans say XXXX balance. I have recently looked into my credit and my account says that I made 3 late payments on 2 different student loans. My problem is that I was reports " Current ''XX/XX/XXXX but " 90-119 days late ' XX/XX/XXXX as well as " 120-149 days late '' XXXX andXX/XX/XXXX. Then, my record shows " No info '' XX/XX/XXXX- XX/XX/XXXX, 1 " current '' payment in XX/XX/XXXXand then back to " no info ''. I do not understand how I went from current to 90- 119 days late in a matter of 30 days, and how reporting just stopped. My student loan payments have never been late.

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