BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S| Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
Accounts are XXXXXXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account Number 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 2022-10-06
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My issue is my loan servicer Litton Loan Servicing LP, fraudulently serviced my account for years, from the XXXX 's up through XXXX when they were bought out by Ocwen Mortgage. This transaction took place in XX/XX/XXXX, I then noticed in XXXX of XXXX, 4 months later, that the amount of {$72000.00} had been added to my account as a " DEFERRED ACCOUNT BALANCE '', along with an inflated regular balance. As of right now, along with the deferred balance of {$72000.00}, my regular balance is at {$82000.00}, for a total of {$150000.00}. That's after paying on a {$110000.00} balance for XXXX  YEARS XXXX  months!!! So I have no been passed from Litton Loan servicing where the problem began, to Ocwen, to PHH Mortgage/NewRez who I have been making my payment s to now. Without a doubt, this property should be very close to being paid for by now!!! NOT A BALANCE OF {$150000.00}!!! Have even hired a couple of attorneys to look into this and all they did was take my money and did nothing. Been working on this issue with no help for over 10 years now. This is one of the places XXXX at the Attorney XXXX office told me to contact. Any help you could give me in resolving this matter would be deeply appreciated!! Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: Paypal Holdings, Inc
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My card was stolen and used in several places so I disputed the charges on my card and now they have over {$1600.00} of my money on hold and are basically telling me it was my fault when I didn't even have my card from XXXX ... and I just need my funds back!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: BANCO POPULAR DE PUERTO RICO
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
My wife and I responded to advertisements from POPULAR DIRECT to open a CD at 5.5 % APY. We completed the application and, on XXXX  Popular Direct took {$30000.00} from our checking account at another bank. We received confirmation of our CD from Popular, including the account number. When I tried to go online to check my CD, I was locked out. I then received a cryptic letter from Popular Direct telling me they were invoking their right to terminate the account. We phoned and were told that the account was closed but they could give us no reason. Supervisors could not give us a reason, either. Popular Direct promised that they would have someone phone us who could give us a reason, but no one ever called. 

When asked WHEN they would send us our money back, they told us they would get to it at the end of next week, sometime around XX/XX/XXXX. This is an outrageous delay. Popular Direct has our money and, if they do send it back on XX/XX/XXXX, they will have had our {$30000.00} for more than two weeks. In the meantime, we will not have received any interest nor can we set up a CD with another bank. Popular Direct, on the other hand, will have been able to use our funds for their purpose. 

( Now I would like to add that when I went on line to see if anyone else had posted a complaint about Popular Direct, I found that a customer posted an identical complaint about Popular Direct in XXXX of this year. Sounds like a pattern! )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
i sent to the C.F.O. AND and the remittance department the coupon- bearer security endorsed with the tender of payment - instructions to transfer the positive value of the bearer security to the principal to set-off the account 3 times as per federal reserve act section 29 prescribed on XXXX XXXX XXXX  and they have not done the fiduciary duty they have. 

after that i sent it again for the 4th time on XX/XX/ and they have not transfer the positive value of the bearer security to the principal to set-off the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am natural born us citizen, I am human being the deserved the privacy to my rights. 


Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

# XXXX XXXX XXXX XXXX XXXX InquiresXXXX XXXX XXXXXXXX : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Nelnet, Inc.
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Recently my student loans were bought by Nelnet from Great Lakes. They told me interest starts again in XXXX. However, I am a student and am trying to get payments deferred. I tried to make an account but the website says unable to make an online account. I tried resetting my username and password ( in case the account transferred over ) and it says it sent me an email but won't tell me what email it was sent to so I never received anything. 

I attempted to call the customer service line within the stated hours on the website, and it keeps telling me there is a 30-minute wait, followed by its 'out of hours ' then forces an end call. I have called them at least 5 times between XX/XX/XXXX and XXXX. 

This is either a predatory action to make more money due to interest by making the process for customers overly complicated and confusing. Or this is straight-up negligence and this company should not be in the finance field.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed my XXXX XXXX  information in my credit report. This account was settled, with the company sending a settlement to my debt consolidation company and me accepting the settlement offer. The debt was paid via settlement for less than the amount owed and paid off in XX/XX/. The creditor is still reporting my balance as overdue and for the full amount, and has refused to reflect the account as being settled ( for half the original amount ) and that settlement being paid off ). This has stopped me from being able to secure an auto loan for the last several months, because the loan companies are still seeing this account as being behind, when in fact it has been settled and paid. Any help would be appreciated

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 2022-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone tried to open a Kohl 's credit card in my name on XX/XX/22 and XX/XX/22. They were caught by the credit bureau and nothing was charged, hopefully, but I'm still getting messages from XXXX about it. I contacted the company. on XX/XX/22. I called Kohl 's XXXX XXXX. They gave the investigation a fraud case # XXXX. I filed a report with the Police and the FTC, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally express my dissatisfaction with the multiple attempts made to correct the late opening of my accounts with your company. I believe that the repeated efforts have not yielded the desired results, and I am left with unresolved issues. 
I initially contacted your customer service department to address the tardiness in opening my accounts. Despite my efforts and the subsequent attempts made by your team, the issue persists, and it has caused significant inconvenience and frustration. 

Despite these multiple efforts, the matter remains unresolved, and I find it necessary to escalate this complaint formally. The late opening of my accounts has not only affected my ability to use the services promptly. 

I request a thorough investigation into this matter and a prompt resolution. Additionally, I would appreciate regular updates on the progress made towards rectifying the situation. 

If this issue is not resolved satisfactorily within the exact timeframe. I may have no choice but to explore alternative avenues to address this matter, including filing a complaint with relevant regulatory bodies. 

I believe in a fair and prompt resolution to this matter and trust that your company values its customers ' satisfaction. I am hopeful that this complaint will serve as a catalyst for addressing and rectifying the issues surrounding the late opening of my accounts. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX 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 2023-08-30
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XXXX of XXXX  I opened a savings account with Citibank over the phone, they representative inputted an incorrect address causing them to be unable to verify my address. Id already deposited {$5500.00} when they decided to close my account. 
Despite me sending multiple documents to prove my correct address, they kept send the balance of my accounts to the wrong address. Eventually they were able to send it to the right address, but they did not send the entire balance. 
I am still owed {$500.00}, after months of calling and being told to call back, I still have not received the rest of my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-11
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
The company is usa auto sales they went bankrupt and transferred my account to Westlake financial. The amount is in correct and payments wasn't received cause the amount that's owed is not correct I paid more than was reported cause alot of times I paid with cash. They took premium payments from me also.

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 2019-01-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, acting upon a publicly advertised offer on us.hsbc.com, I applied for a new HSBC Advance checking account. I was promised a {$350.00} welcome bonus ( terms attached ). By XX/XX/XXXX, I had satisfied all the terms of the offer. Shortly after that, I contacted HSBC via XXXX. The reply I received from them was addressed to a different person, was not written in proper English, and had little sense. Therefore, I had to make a call. The representative I spoke over the phone in XXXX  confirmed that all the terms are satisfied. However, she advised me that I had wait eight weeks for the bonus to post. The eight weeks ended on XX/XX/XXXX. Since then I have talked to at least twelve different representatives trying to determine the status of the bonus. Their explanations evolved over time. First, they stated that the new money was was supposed to be deposited to a checking account, while I deposited them into my savings account. That reason failed, since the terms clearly state : " deposit ... in combined checking and savings accounts ''. Second, they told me to wait until the end of XXXX. That reason failed as well. The terms clearly state : " You will automatically receive ... eight weeks after completing all qualifying activities. It's that simple. '' Third, they claimed that my savings account was supposed to be opened after my checking account. Not so. I applied for both accounts on XX/XX/XXXX. The application for the checking account was submitted at XXXX. The application for the savings account was submitted 9 minutes later, at XXXX. Regardless, the terms only exclude customers who had an account " from XX/XX/XXXX through XX/XX/XXXX ''. I had no HSBC accounts before XX/XX/XXXX. Lastly, they indicated that they had no record of any promotion on the account. That assertion is simply laughable. Both XXXX  and phone agents were able to verify the terms of the promotion and confirmed that they were satisfied. In addition, I have a copy of the webpage with the offer that I took when I applied as well as the terms of the promotional offer that I downloaded when I applied. I believe that these repeated attempts to come up with multiple frivolous reasons are racially motivated. A bank acting in good faith can not be that unprofessional. Instead, I suspect that they target customers with Hispanic sounding names assuming that they would rather give up than follow up on the promise. Based on my recent experience, I strongly believe that if a regulator requests a sample of all denials over the last three years, they will see that denials of bonuses or other benefits for customers with Hispanic last names are statistically more likely. This evidence would establish a prima facie case of disparate treatment and racially motivated discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Harley Davidson Financial Services Inc
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Checking account would not let Harley Davidson Financial cash checks. I just recently was able to schedule payments using Visa. I have been called by them and by some pretending to be an investigator XXXX  XXXX  XXXX  at XXXX. Shortly after that call a random number calls at XXXX and another at XXXX, demanding I talk with them now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received an alert on my consumer report stating that I had a charged off account. This is an absolute error and is inaccurate. I paid this account off back in XXXX and now on XX/XX/XXXX you reported the account as charged off. For the past XXXX this account has been reporting as paid and closed. How is it that on XXXX XXXX its now charged off when I have had the title since XXXX????? There is no way that this account can reporting on time paid closed and charged off at the same time after 5years. This is false, misleading and inaccurate. 

I know Wells Fargo has been fined for deceptive practices from the lawsuit I read on CFPB website. 
Wells Fargos rinse-repeat cycle of violating the law has harmed millions of American families, said CFPB XXXX XXXX XXXX XXXX The CFPB is ordering Wells Fargo to refund billions of dollars to consumers across the country. This is an important initial step for accountability and long-term reform of this repeat offender. 

" Wells Fargo Unlawfully repossessed vehicles and bungled borrower accounts : Wells Fargo had systematic failures in its servicing of automobile loans that resulted in {$1.00} XXXX in harm across more than XXXX XXXX accounts. The bank incorrectly applied borrowers payments, improperly charged fees and interest, and wrongfully repossessed borrowers vehicles. In addition, the bank failed to ensure that borrowers received a refund for certain fees on add-on products when a loan ended early. "

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 2022-02-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I was scammed out of {$2000.00} from an individual impersonting themselves as a WELLS FARGO representative. The individual convinced me that via text that someone from XXXX XXXX XXXX was trying to take money from my account through the Wells Fargo XXXX XXXX transfer. This individual claimed he was from the Wells Fargo fraud department and that he was assisting me with what to do in order to prevent the transaction from taking place. This fake impersonator reassured me that this was okay to do in order to stop the fraudulent transaction from taking place. This impersanator had me to reset my XXXX account to act as if I was sending the funds via XXXX XXXXXXXX XXXX to my self. I have a full report attached. I submitted a fraud claim to WELLS FARGO and they denied it because they felt the transaction was processed accordingly. They have since revoked the provisional funds that they returned to me and have forwarded me to another Non-Fraud VOS Department Claims Department. When you speak to a customer service rep. they are not familiar with your case in which everytime I contact Wells Fargo and speak with someone in a department they are clueless and have forwarded me to another department that can give me no assistance. How can Wells Fargo help me If I have not been able to even submit a report of the details of my situation. I am trying to get my {$2000.00} back because this transaction was a scam through WELLS FARGO 's XXXX XXXX services. Any assistance would be appreciated.

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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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

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