BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-29
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
I requested Specialized Loan Servicing to send me documentation validating the debt I allegedly owe to them. SLS sent me a correspondence that stated : SLS is a third-party mortgage loan servicing and is not the owner/investor of the loan. The original creditor of the loan is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The current creditor of the loan is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : CREDITOR. A person to whom a debt is owing by another person who is the " debtor. '' 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As per XXXX XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX ) the corporation states : We do not originate loans or lend money directly to borrowers. If Fannie Mae does not originate loans or lend money directly to borrowers per XXXX XXXX XXXX, please explain how I owe a debt to them. Secondly, can you explain why the original copy of the security deed you sent me states : When recorded, return to XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please explain why XXXX XXXX is still the holder of the note ( if this is indeed an original copy ) and they are no longer the current creditor of the loan as stated per your response.

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 2022-02-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I had a series of withdrawals taken from my checking account with Wells Fargo over the course of XXXX XXXX that totaled {$8200.00} in total. These withdrawals were used to fund XXXX. I logged onto my Wells Fargo App a few days after these withdrawals and noticed a message saying the bank has noticed suspicious activity on my account so I called the number they gave me and they read the different transactions and asked if I performed them. I stated no to all of them. I also noticed when checking my account that someone had made a money transfer from my credit card to my checking account totaling {$12000.00} during this same time period. Then whoever was using my information tried multiple times to withdraw that {$12000.00} to XXXX as well. Basically whoever was controlling my information/passwords/device had depleted my checking account and almost maxed out my credit card. I filed claim number XXXX disputing the credit card transfer and claim XXXX regarding the {$8200.00} taken out of my checking account. My initial disputes were both denied so I appealed to the executive office and that was also denied. The person I spoke with from the executive office stated that my appeal was denied because they found that whoever took these funds used my username/password and that it came from my device. There are several issues with this research. The first issue is there are cases where a hacker is able to access a persons phone/computer and make any actions appear that they are coming from that device. The second issue is I have been a customer of Wells FargoXXXX XXXXWachovia for around 20 years and if you look at my transaction history, there has never been a day that I've used my checking account or credit card like that day and at the hours it was used during that day. When I spoke with the person at the Wells Fargo branch about my situation she stated that those transactions don't match up to my profile ( that of someone with a high credit score and who has never done anything like that in the past. ) If Wells Fargo is unwilling to protect their customers from fraud I would recommend to anyone who sees this to put your money in a bank that will actually have your back and not one that is complicit in it being fraudulently taken from you.

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 2023-10-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My online account was locked due to suspicious activity, and I was given a number ( XXXX ) to call to unlock it. When I called, I was told the wait time was over an hour. It is unfair to expect customers to spend hours on hold, without knowing if the representative will be able to solve the problem, in order to access their own money. 

Many other people have reporting having this problem with Chase for years : https : //www.reddit.com/r/Chase/comments/foygeh/account_locked_for_suspicious_activity/

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Financial Management Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2019, FMS Financial Solution debt collection agency received a letter from me via a certified mail ( tracking number : XXXX ) in which I disputed the debt, put them on the notice of lawsuit and requested them to strictly keep their communication with me in writing. They admit the receipt of this letter in their response to my previous complaint, however, on XX/XX/2019, they contacted me via phone to continue to collect a fraudulent bill. Furthermore, they used abusive language, threatened a frivolous lawsuit and apparently recorded my voice without notifying me or requesting my consent. ( I can submit a copy of the correspondence I sent to them upon request ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
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: Public record information inaccurate

Complaint:
I applied for a mortgage loan and my credit report showed a charge off for an amount that was included in the bankruptcy I filed in XX/XX/2008. XXXX  XXXX XXXX reported the amount which was included in the bankruptcy. This adversely effected my credit score and I was denied the loan. XXXX  XXXX XXXX is reporting this false information to all the credit agencies and it is causing my credit score to drop significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-11-09
Company: MOHELA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I applied for income-driven repayment XX/XX/23. I received confirmation from my loan servicer ( XXXX at the time ) that my application went through. I was subsequently transitioned to Mohela for my loan servicer to have my loans placed on the REPAYE and then SAVE plan once it became opperational. I just now found out that only XXXX of my XXXX student loans were actually transitioned to the XXXX plan. The other XXXX loans have continued to accumulate interest ( {$3700.00} ) when they otherwise wouldn't have on the XXXX plan and I now received a bill for a large sum of money that I can not pay with my current income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
I went to my local Chase bank to open a private client account I attempted to open with my international bill of exchange security they told me that they never heard of it and could not accept it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2023-01-01
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The loan agency incorrectly capitalized my loan and the agent of the lender confirmed this error when Called and complained about the statement they sent back around about XX/XX/XXXX I requested that the balance be recalculated and I have been call but they have failed to act till the end of the year now. Prior to this time the lender has made every effort to encumber me from the easy refinancing of the loans even when I had great credit score and became a permanent resident. When the interest rates where going to be changed I called to refinance but the agent delayed me and made me call back the next week for no reason and I lost the low interest rates, plus they refused to even approve every single time. There was a time in XXXX that one of the agent gave me wrong information that I had no repayment hold remedies, causing me so much distress until upon other calls another agent gave the right information. I need to be able to have their cooperation in not inflating the rates. I have commenced the required arbitration proceeding as contracted - The XXXX limit prevents me from attaching a copy of the proceeding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
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:
The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in 1970 to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies. 

sent ftc violation 3 months ago 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 2023-02-11
Company: TD BANK US HOLDING COMPANY
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I made a single person is using the credit card for {$400.00}. I immediately made a payment of {$400.00} and when I noticed that I was {$4.00} short I sent a secondary payment of {$4.00}. The company refused to accept and post the payment of {$4.00} and for the past 12 months have continued to add interest charges. I have contacted this company many times and requested them to process my payment of {$4.00} and investigate where my check for {$4.00} is at because it was never returned back to me so that means the company has the check The check was never processed through my bank. However, it was mailed by me to the same address that I mailed the {$400.00} payment which was received and processed through my bank. On several occasions over the past year I have reached out to your car and made them aware of this and as opposed to them corresponding to me, I only would receive a bill in the mail and not have them address my specific concerns the last person that I spoke to was agent ID XXXX and his name is XXXX. He advised that he would email me on XX/XX/2023 and process the payment of {$4.00} and remove all interest charges. Agent XXXX never emailed me and my attempts to resolve this matter and pay the {$4.00} a second time has falling on deaf ears yard card is acting on unfair business practices as opposed to them addressing my concern and processing my {$4.00} payment. They are continuing to delay by not responding directly to me regarding my request so that interest charges can continue to accrue each month I have made 18 attempts to resolve this issue in a years time and instead of them responding back to me they are continuing to mail me a new statement with increasing interest charges monthly. I advise the yard card on XX/XX/2023 that if they did not respond back to me by email as they had promised and process the payment for {$4.00}. I will be contacting the CFPB. I spoke with XXXX on a recorded line and advised him that I would request the CFPB and his superiors to pull that phone call and listen in totality to our communications, he has yet to follow up with me by email as promised or by mail as of this date XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything 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 non-monetary relief
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
The account on my report furnished by XXXX is inaccurate, and I have disputed through traditional means numerous times. Account has been removed by other credit bureaus yet is still reporting on EXPERIAN. I have yet to receive documentation after investigation that this debt is validated and is in fact a contract in which I entered into with my signature and permission.

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 2021-02-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Thank you in advance for your attention in resolving unfair practices with Selected Portfolio Servicing. As of today XX/XX/2021, I have been denied a forbearance or a reasonable loan modification. SPS is not being helpful during the Covid 19 crisis. I asked for a forbearance and instead they offered a modification with a 3 month trial period. Not knowing what they were going to come back with till after a 3 month trial period. I was shocked to see the unreasonable & unheard proposed terms. It sounds like a major rip off. They have to stop ripping us off. I used to work in mortgage lending and currently a Notary Signing Agent and I do not see these types of terms they want us to agree to! 

This is a second loan. 
6 months unpaid mortgage payments equal to a total of {$3500.00} with fees which I still need to review but it is less then $ XXXX. XXXX Months of XXXX ) Modification trial periodXXXX Paid {$360.00} each month and on XXXXas well. 

Proposed Modification received XX/XX/2021 New payment {$360.00} which may adjust. 
New Maturity date XXXX, will add 14 years. Current Maturity date XXXX. 
Final ballon payment on the interest bearing principal balance of {$34000.00} is due on the XXXX Date. Yes XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
Amortization Term XXXX, XXXX XXXX XXXX, XXXX. Basically 40 years. 

We owe less than $ 5k and they want to charge over $ 50k. Includes the ballon payment and the difference in the new maturity date. Sounds like a rip off to me! 

We have no problem keeping the same monthly amount of {$580.00} & extending the term by 6 months or even 1 year like we did with our 1st mortgage with no problem. If they want to call it a Forbearance or a Modification it's ok. What's not ok, they tell us it is their investors choice. They don't disclose who the investor is and we have the right to know this as well. 

Hope you are able to help us and other upcoming customers with the same issue. I have been reading reviews on Yelp and XXXX  and they are being referred to CFPB. Thank you for your assistance. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
my information was sold and bought illegally because i was a victim of the XXXX data breach. i want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that i was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX us dept of edXXXXXXXX  # XXXX us dept of ed/XXXX  # XXXX 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 non-monetary relief
Consumer complaint received 2020-01-16
Company: Westlake Services, LLC
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: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation