BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-06
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
i am behind in my payments due to very high interest in the loan, also due to this situation I will almost pay for the car very close the doble of the vehicle value at the moment off the purchase if we include penalties in late payments, and the high interest as you can notice with the papers that accompanied this letter also I have the situation of my mothers XXXX XXXX makes me skip many days at work .being late or leave early in my schedule working hours, I sent a letter requesting some help. this letter was annexed to one of the checks of the monthly payment, the exact date of the send of this letter I do n't remember. but they did receive the letter, the check was cleared I did not received any answer, I have been trying to refinance the vehicle but due to my situation I have been rejected, on the basis I do not meet their requirements of refinancing, like have a cosigner and the likes. Also I was told, that due to the conditions of the loan, it will be difficult for me to get a refinancing of this vehicle, I do want to keep the vehicle I make the effort to be current in the payment, but not always is that easy.27 payments already are being done and the loan seems it will never be paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Today I called Wells Fargo Customer Service, The call was to request a service fee credit of {$10.00}. They approved this and credited my account for {$10.00}. What this complaint is about is that during the initial call they denied my request and asked me twice and somewhat forced me to answer the question that they asked as part of the terms and conditions the customer service representative was reading " we declined your request and I need to know if you accept or decline the XXXX {$0.00} offer. '' This is the most absurd legal question especially for someone who has had {$0.00} cents in my account for 6 weeks and simply called to ask for some leniency on the service fee of {$10.00}. Futhermore, When Wells Fargo or others hacked my accounts multiple times from XXXX, XXXX XXXX, XXXX or internally at WellsFargo. Unsure as my multiple complaints to WellsFargo were unresolved, closed and some monies unreturned and it took several months to resolve the Identify theft. When I was forced to change my username and password I then was forced or asked to accept literally 130 pages of terms and conditions that had links inside to multiple other terms and conditions simply to change my log in and password from identify theft. This I believe is a result of XXXX XXXX and or XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX or XXXX XXXX XXXX or internal folks at WellsFargo. My previous complaints were discussed in detail with Ms. XXXX XXXX, Executive Customer Service ( XXXX ) XXXX about these issues and fraud multiple times. THIS NEEDS TO BE REPOTED TO WELLS FARGO GENERAL COUNSEL. IT IS ACTUALLY LEGALLY FRIGHTENING FOR ME TO BE FORCED TO ANSWER A QUESTION " DO I ACCEPT OR DECLINE A {$0.00} OFFER ''. MY ANSWER WAS I NEITHER ACCEPT OR DECLINE Regards, 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 2017-11-06
Company: Monterey Financial Services LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I had my brother to compose a letter of dispute on my behalf to Monterey Financial Services. 
In regards to a collection on my credit profile that I " have NO knowledge of '' The letter is detailed asking for validation of debt ( showing my signature, any stipulations of guarantor statement, last date of charge/activity and or payments ) I do n't even know the name of the original creditor. 
I received a written response dated XX/XX/XXXX stating I should have requested validation 30 days after I was notified of which I was never notified by XXXX XXXX. They have violated FDCPA and also FCRA to list this disputed and unvalidated alleged debt on my credit profile that I have no knowledge of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted the bureau and the company Chrysler Capital on several time.. I have not been late on my payment. They are presently hurt my credit reporting this information inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Recently on XXXX XXXX XXXX I needed to place a security freeze on my TransUnion credit report. This is supposed to be done most conveniently on the website. However it is somewhere between very difficult and impossible to place a simple credit report freeze on the TransUnion website. XXXX is constantly redirected to other services, most of which are subscription services. Finally, there are links to a telephone number, which when you call this number, you are again bombarded with solicitations and marketing. Aproximately XXXX hours later I stopped trying this for the day. XXXX XXXX XXXX, I went straignt to the number and worked through approximately XXXX mnutes of advertising in order to place a freeze on my credit report. 
Also in all of my searching the XXXX website I was unable to find a mailing address to send a freeze request to, or to find any listing of documentation or other re information necessary to do this. 

TransUnion should be required by your agency to to make credit report freezing easy to find, perform & document without having to put up with several hours of marketing nonesense. Seeing as how they are required by law to provide this service, I see no reason why they can not or should not be compelled to make it fairly easy and fairly XXXX for the consumers such as 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 2021-04-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my previous mortgage servicer ( XXXX XXXX ) sold our loans to SPS ( Select Portfolio Servicing ) starting XX/XX/XXXX ( EHIBIT A ) on XX/XX/XXXX I forward SPS my information to start auto withdrawing my payments come XX/XX/XXXX. So around mid XX/XX/XXXX I noticed no withdraw from SPS had take place. So I called SPS and a representative informed me that my mortgage was PAID IN FULL. I verified my information with the representative and she confirmed it and said yes PAID IN FULL. I waited and called back a few weeks later and that representative said the same thing PAID IN FULL and that I would be getting my escrow of XXXX in the mail and all the necessary paperwork showing paid off. I received the escrow check, a statement showing that my informaiton was paid off, my county tax provided sent me my tax statement showing that I would be paying my own taxes, my insurance provider sent me my notice saying that the insurance would be transferred in my name and I would assume payments in full. So then on XX/XX/XXXX I received a notice stating something about a payment reversal ( EXHIBIT B-1 ), then XX/XX/XXXX they sent another statement stating A NOTICE OF DEFAULT that I was gravely behind and delinquent in my mortgage payments ( EXHIBIT C1 ), the the SAME DAY XX/XX/XXXX they sent a statement saying that you are in FORECLOSURE due to being gravely in default on your mortgage payments and I am that my case is being sent to a forclosure attorney. After receiving ALL ( 3 ) notices the same day on XX/XX/XXXX I called SPS and the person on the other end said that my case has been referred to a forclosure attorney. I am TOTALLY APPAULLED on how SPS is trying to QUICKLY cover up their error and not even try to call apologize and work with me but try to take my home from me. This can ; t be acceptable and ethical or legal behavior in the United States because of an error of their that they are trying to fille unethical paper work to assume my home from under me without trying to correct the error or eating up the cost of their error. I need something to take place IMMEDIATELY because this company should not be able to do this, there have to be something done about this before they are allowed to go any further with this unethical behavior.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Both XXXX accounts XXXX and XXXX were closed XX/XX/2019 but is showing as " past due '' on my TransUnion consumer report. ( See attachment reflecting CRA 's reporting incurrent information. ) A closed account can not be reported as past due. This inaccurate information is causing harm to my reputation.

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 2018-01-12
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage that was current with no issues was sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX And I have never received any contact or information I have tried numerous times to contact via website but can not get access due to do not have my new loan number. Calling multiple times daily and can't get through and have left my number multiple times a day with no call back I have my payments and can not make them I am afraid of foreclosure or negative impact on my credit Just want my information to be able to pay my bills

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 2020-08-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My name is XXXX XXXX. I had an account for many years. I had a checking and savings account. The bank closed my account for no apparent reason. I had my money from unemployment and my XXXX XXXX that were deposited in the bank. I havent received my money from Chase Bank. I just want my money that I worked for to be returned to me. My email address is XXXX. My cell phone number is XXXX. Please call me on my cell phone. Thank you. I tried to log in to my account, and Chase would not let me go in. I tried using the atm and XXXX number and I cant get my balance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: DISCOVER BANK
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I enclose a copy of the letter sent and evidence that Discover received it, a copy of the police report, a copy of the FTC identity theft report, the account balance is {$9100.00}, it does not belong to me, I asked the credit bureaus to investigate the information and correct it, but their answers are that they notify the information that Discover submits to them, Discover alleges that their investigation concludes that it belongs to me but they refuse to send me a copy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-06
Company: Experian Information Solutions Inc.
State: CO
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 have sent numerous correspondence to the Equifax, XXXX XXXX XXXX in reference to items I believe to be erroneous on my credit reports. I have repeatedly asked for information that is my right to have in accordance to the FCRA. They have not provided me a copy of any original documentation XXXX a consumer contract with my signature on it XXXX as required under XXXX XXXX XXXX a ) ( XXXX XXXX ( XXXX XXXX & XXXX XXXX XXXX a ) ( XXXX ) ( A ). Furthermore they have failed to provide the method of verification as required under XXXX XXXX XXXX a ) ( XXXX ). I have copies of all my correspondence that were notarized and sent certified mail. The following accounts remain on my credit reports : XXXX XXXX XXXX XXXX XXXX I have submitted a police report today and will forward a copy as soon as it is approved.

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 2017-11-06
Company: EQUIFAX, INC.
State: CO
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 have sent numerous correspondence to the Equifax, XXXX XXXX XXXX in reference to items I believe to be erroneous on my credit reports. I have repeatedly asked for information that is my right to have in accordance to the FCRA. They have not provided me a copy of any original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have copies of all my correspondence that were notarized and sent certified  mail. The following accounts remain on my credit reports : XXXX XXXX XXXX XXXX XXXX I have submitted a police report today and will forward a copy as soon as it is approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
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 information incorrect

Complaint:
XXXX XXXX XXXX ( aka Bayview Loan Servicing ) has inaccurately reported to the credit agencies on a Real Estate Loan Account. It is inaccurate in 2 parts of the report. 
1. Bayview has been incorrectly reporting 120 days late from XXXX XXXX XXXX XXXX. 
a. I was relieved of all liability of this loan when property was foreclosed XXXX XXXX. 
b. XXXX XXXX, XXXX I requested that this item be changed to show the last date to report as 120 days late to be XXXX XXXX. 
2. Bayview has been incorrectly reporting loan closed / terminated as of XXXX XXXX, XXXX. 
a. I was relieved of all liability of this loan when property was foreclosed XXXX XXXX. 
b. XXXX XXXX, XXXX I requested that this item be changed to show the loan closed / terminated as of XXXX XXXX. 
3. XXXX XXXX, XXXX, XXXX XXXX XXXX sent me an Escrow account statement letter detailing fund distribution from XXXX XXXX - XXXX XXXX in the amount of {$13000.00} and funds received of {$2200.00}. 
a. This property was foreclosed in XXXX XXXX b. I did not make any payments to XXXX XXXX XXXX, ever. 
c. When I called to get more information, they claimed I am in bankruptcy and they can not discuss my account without my attorney present. 
* I have never nor am in the process of filing bankruptcy. 
XXXX My attorney did not file nor address bankruptcy in any call, letter or document when attempting to contact XXXX XXXX XXXX on my behalf. 
d. The representative at Bayview said they would contact my attorney and get back to me. I have not heard back in over a week. 

Prior to the XXXX XXXX letter, I have made multiple attempts to have this inaccurate information corrected by XXXX XXXX XXXX since XXXX XXXX, with no resolution. I have furthermore sent the same letter and supporting documentation to the 3 credit bureaus in a dispute. Only XXXX  and XXXX have corrected their reports, although XXXX acknowledged the dispute, it has not made any correction. I have also enlisted the help of an attorney to have this corrected and he has not been able to gain any response from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX ACCOUNT # XXXX was closed XX/XX/2020 but is showing as " current '' on my TransUnion consumer report. ( See attachment reflecting CRA 's reporting incurrent information. ) A closed account can not be reported as current. This inaccurate information is causing harm to my reputation.

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 2021-10-19
Company: TD BANK US HOLDING COMPANY
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I entered into a credit transaction with Comenity/XXXX XXXX and I was denied but I still received a inquiry so everyone got paid except me that's a violation and improper use of open ended credit plan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
ACCOUNTS LISTED ON MY CONSUMER REPORT FILE THAT I NEVER OPENED OR USED

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 2022-03-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Good afternoon, On XX/XX/2021, I wired {$9900.00} from my Chase bank account to XXXX XXXX in XXXX XXXX XXXX. While doing the transaction I had an option of sending the money in XXXX dollars or XXXX XXXX. I chose to send in Jamaican dollars because it was XXXX {XXXX compare to XXXX {XXXX. Date of available funds to recipient was XX/XX/2021. On XX/XX/2021 when XXXX XXXX attempted to collect the funds was told by recipient bank XXXX that there was no funds. I reached out to chase who later told me that I had to do a recall on the transaction and was later told that Benificiary account was a XXXX account and could not collect the funds because it was sent in Jamaican dollars. There was a wire reversal of {$XXXX} twice on XX/XX/2021 to my account. A {$XXXX} transaction fee was charge from the {$XXXX} thus reflecting the {$XXXX}. I called Chase to let them know that I was credited twice and that I was charged a {$XXXX} fee. I was told that they will debit the second reversal from my account. I sent a second wire transfer on XX/XX/2021 in the amount of {$9900.00} and a fee of {$XXXX} to XXXX XXXX to his XXXX account. Funds was expected to be available on XX/XX/2021. On XX/XX/2021 when XXXX attempted to collect the funds he was told there is no funds. Again I reached out to Chase who advised me that transaction was completed and should do a recall so they can investigate. I did the recall as instructed. On XX/XX/2021 XXXX XXXX was told by XXXX that the funds were there but there is hold on the funds because of the recall and I needed to cancel the recall so it could be available to him. I send multiple messages through secure message from my account to cancel the recall and Chase has received and acknowledged the messages but refused to respond or release the money. I went into a chase branch and has the manager submit complaints on my behalf and still not able to resolve this issue. Chase have told the bank manager at the chase branch that I already received credit which is not the case. They fail to see and understand that it was 2 separate transaction, even though the bank records are there to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
someone opened a credit card on XX/XX/2019 under my name i try to dispute it several times with capital one and the 3 reporting agency and i always get the results as verified and belong to me its stopping me from getting credit and refinancing my home and get car loan its affecting the daily life I need to resolve this immediately please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent numerous letters to LVNV Funding regarding an alleged debt of {$16000.00} on X/XX/2017,  X/XX/2017, X/25/2017, X/XX/2017, X/XX/2017 and XX/24/2017 via certified mail. I have proof that they received these letters due to returned signatures from their company. I have requested validation that this is my debt or account and they have failed to provide me with any contract that I signed with them or with any contract with the original creditor bearing my handwritten signature. They are reporting inaccurate information to all 3 credit reporting agencies, therefore damaging my credit beyond repair. I have given them an ample amount of time to validate and correct this matter and I have not gotten any response to my letters.

Company response to consumer: Closed with explanation