BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-14
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have  got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1 ) Nationstar Mortgage LLC d/b/a as Mr. Cooper, the mortgage servicer, lost XX/XX/XXXX payment and refuses to admit it. Please see following : XXXX XXXX billing statement, USPS receipt and Certified Mail ; signed and postmarked Certified Mail ; Return Receipt Requested green card ; copy of XX/XX/ most recent letter to servicer again explaining situation. 

2 ) Further, on XX/XX/, Nationstar sent me a Escrow Review Statement showing a shortgage after the XXXX payment of the 2nd installment of XXXX taxes of {$1200.00} when, in reality there was an excess after their XXXX payment and they want to increase the monthly tax escrow deposits in an amount to accumulate an excess of {$1500.00} or 16.7 %. This should be considered excessive. ( See XX/XX/ letter. ) Copies of the Escrow Review Statement and my, separate analysis indicating a lower monthly tax escrow deposit also follow. Home owner 's insurance premiums are paid directly by me and are not included in the escrow. The policy is current. 

Instead of resolving this problem, Nationstar has notified me that it has sold the rights to service my mortgage to XXXX XXXX XXXX XXXX XXXX of XXXX XXXX,XX/XX/XXXXUT effective XX/XX/2020. I expect trying to resolve these issues with a new servicer will be nearly impossible, especially the lost payment which XXXX XXXX XXXX does not have in their possession, and would require an extensive amount of time. In the meanwhile, they may be likely to report late payment to the credit bureaus. 

There are 8 pages of attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: JPMORGAN CHASE & CO.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Early in the COVID-19 pandemic, I reached out to Chase to identify myself as our family had been impacted financially. I requested Chase refund a multitude of NSF fees and shortly there after, they began automatically waving them without a phone call which I found as a pleasant surprise and assumed it was due to my call to identify our hardship. 

Not long after this practice began, uncommunicated, it shortly stopped in the same manner -- without communication -- and I found myself with hundreds of dollars of fees taken from my account beginning at the end of XXXX. 

I contacted Chase to inquire why they stopped this practice when the pandemic was really only ramping up and I had not called to identify myself of being back in better financial shape -- our family was still on a reduced income. They stated that Chase had decided as of XX/XX/XXXX to only refund fees if you call to ASK them to be removed and they would impose a maximum refund of 8 fees daily, regardless of how many they charged you. 

In many instances, I had to make multiple calls daily to request 8 per day for 3-4 days in a row. The real issue becomes when they take  days at a time to refund these fees, meaning your account is in a negative balance longer than necessary and you continue to rack up more fees. 

As of today, I have spent more than 2 hours on the phone with 4 different representatives trying to get the refund of 8 fees which I requested on Thursday, XX/XX/XXXX which according to the agent at the time I filed the claim, should've been returned to my account in 1-2 business days. Today is the third business day and now the account will be overdrawn if not refunded today ( due to automatic payments coming from the account ). If the account is overdrawn, then they will impose at least three more fees of {$34.00} each meaning I will be required to call back and request ANOTHER round of fees to be refunded and wait god knows how long for that to be reflected. 

This is a cycle of debt and fees that is harmful to me as a consumer when I have already disclosed to Chase the impact of covid-19 financially.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 following collections accounts are fraudulent and not my accounts : XXXX XXXX XXXX., $ XXXX,XX/XX/XXXX and  XXXX XXXX, {$290.00}, XX/XX/2016. I been receiving numerous phone calls of harassment, threatening, abusive, unfair and deceptive language. The above creditors are in total violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.

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 2018-08-04
Company: PCS Receivables Corp.
State: NV
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:
As soon as it appeared on my account. They company agreed to take the reporting off my credit since I showed proof of being a victim of identity theft. But keep placing back on my account using an different creditor.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-03
Company: Specialized Loan Servicing Holdings LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I received an Escrow Analysis from SLS, Mortgage. It showed I had a deficit of {$250.00}. I questioned the deficit because I have always applied overpayment of my monthly mortgage payments to escrow account. I contacted SLS, Mortgage on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and most recently XXXX. Each time no one could explain the deficit. Also, I questioned why my mortgage payments were not consistently the same amount during the year XXXX when I have a static interest rate and loan. Again, no one could answer the question. I requested a Supervisor call back from Escrow. Rec 'd call from Supervisor who could not explain, but says they are in the process of having a department specifically to handle Escrow escalations. I never heard back from SLS. I then emailed them by the email address on their website for contact. I received an email reply, simply saying " my request had been previously addressed ''. To avoid any increase in my Mortgage and non response from SLS, I paid the deficit to avoid an increase in my mortgage payment. I contacted SLS on XXXX to verify payments to Escrow was received and what my house payments would be. Again, they could not confirm and said they would have a Supervisor to call me. This company can not provide me with any accurate information, so I am forced to pay the a mortgage payment that can not be substantiated with evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: TX
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, the auto loan account with XXXX XXXX has violated my rights. Section 602 of 15 USC 1681 establishes my right to privacy. Additionally, Section 604A ( 2 ) stipulates that a consumer reporting agency can not furnish an account without my written instructions. Furthermore, under 15 USC 1666B, a creditor may not treat a payment on an auto loan account as late for any purpose under an open-end consumer credit plan. 
In addition to the previous information, it is important to note that my request sent in XX/XX/2023 to the credit bureaus via USPS certified mail, regarding the correction of errors in my personal information and disputes, was never answered. This failure to respond violates the provisions of the Fair Credit Reporting Act, specifically Section 611 ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies must promptly investigate and correct inaccurate or incomplete information upon receiving a consumer 's dispute. The credit bureaus ' non-response is a clear violation of this legal requirement.

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 2022-08-09
Company: CITIBANK, N.A.
State: IL
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 have attempted several times to contact CITI BANK in regards to the lack of privacy with reporting my personal information. They did not have my consent to do so and this has caused a huge burden on me and my family.

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 2020-12-05
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have been trying to apply for a mortgage loan, and i have three accounts in collections that have a dispute remark saying consumer disputes this account information. These dispute remarks on my credit report is interfering with the mortgage loan process. I have called Equifax, XX/XX/XXXX and XX/XX/XXXX multiple different times about having these dispute remarks deleted from my credit report. They would tell me it is completed, and i would check my credit report, and they are removed. Then i would receive a notification saying that the dispute remarks are back on my credit report. This has been going on for the past four months. I would call the credit bureaus back and they would say the collection agencies are the one that keep reporting the dispute back onto my credit report. I have called and talked with the collections agencies and they say i am not in a dispute status on any of my accounts nor did they see they are still reporting a dispute remark. 

I started to call the credit bureaus XX/XX/2020 and I recently just called on XX/XX/2020. 

These are the three collection accounts : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Original Creditor : XXXX XX/XX/XXXXXXXX Balance : {$730.00} XXXX XXXX XXXX Original Creditor : XXXX XX/XX/XXXX XXXX Balance : {$690.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
When we requested a payoff on our home equity mortgage with Wells Fargo we were astounded to hear they wanted {$2600.00}. over and above the amount that was due even though our most recent statement showed a XXXX amount due after the previous months statement. We had not missed a payment on this loan in the 10 years we had this loan which was originated thru XXXX which was acquired by Wells Fargo. This amount represents over 3 monthly payments which they simply can not justify according to the detailed payment records that we have. 
This demand came as we were trying to close the sale of our home and would have derailed our sale if we did not pay up. In short we were held hostage by Wells Fargo and got nowhere with them as we were handed off to many representatives who only gave us generalities and no specifics about our detailed payment history and why we should owe them this amount of money. We want this money refunded and in light of the widespread fraud and financial irregularities recently uncovered at Wells Fargo would like this complaint fully investigated and each months payment verified that it actually was credited against my loan and not misappropriated

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 2023-09-18
Company: Incomm Holdings Inc.
State: TX
Product: Prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I purchased two Vanilla Gift ( VISA debit ) cards last year. But these two cards were stolen by someone else. I have contacted the XXXX company for almost one year, and provided them as much information as they needed. But every time, when I call them, they just replied I need to wait for another several days. I don't understand what's going on here. Are they doing this on purpose? 
My case numbers are XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Sequium Asset Solutions, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
SEQUIUM ASSET SOLUTIONS a collection agency is attempting to collect on an alleged debt in the amount of {$280.00} for their client : XX/XX/XXXX. I have no knowledge of this account and never received written notification from SAS prior to them placing this invald information on my credit reports without due process ... .process XXXX include my rights as a consumer pursuant to the FCRA , FDCPA and the Fair Credit Billing Act. As well as the HIPAA Act I never received written notice of this alleged debt nor did I receive a notice of right to dispute which is my rights as a consumer under federal law. And agency has placed derogatory information on my reports as valid when in fact it was never validated is being mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased my vehicle on XX/XX/XXXX from XXXX XXXX XXXX, but they did not have the correct loan amount or interest rate recorded. I contacted the dealership on XX/XX/XXXX and they re-did the paperwork and I re-signed it. The loan did not fund until XX/XX/XXXX! So the dealership did not follow through with the finance company to make sure the information was corrected and my loan is still recorded at the wrong sales price and interest rate. This is a Breach of Contract,  violation to TILA, Regulation Z and who know what else. I called Capital One on several occasions an they stated that they needed additional information from the dealership. I contacted the dealership and spoke to the business manager who finalize my loan to advise and he stated that he had called and taken care of the issue. 5 days later I again checked on the loan to make sure it had been corrected and it had not. 45 days after my purchase and when my first payment was due, still not corrected. 75 days as of today and still no resolution and I need to pursue litigation at this point because they have violated several regulations and need to be investigated. I tried numerous times and to this point but this has to be mitigated immediately and I need restitution!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions 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:
This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX  XXXX Balance : {$10000.00} ; XXXX  XXXX  XXXX XXXX XXXX Balance XXXX {$9300.00} ; XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
To whom it may concern, Thank you for taking the time to read my complaint. My name is XXXX XXXX, and I have some student loans with inaccurate information, my account number is DEPT OF ED/XXXX # XXXX, # XXXX, # XXXX, # XXXX. After checking my credit report, I discovered a late payment was reported on XX/XX/2016.

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 2020-09-14
Company: V and H Portfolio
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hi, there. 

My name is XXXX XXXX and Ive been having issues disputing a collection with XXXX, Vance and Huffman LLC and a company called XXXX XXXX. 

Apparently, an account was opened with my name, SSN and information on XX/XX/2018. I found out this year that this was a family member who was using my identity to open accounts and not pay what was owed. 

A collection was opened and I successfully disputed with XXXX   and XXXX earlier this year with no issues. XXXX, for some reason, denied the dispute and will not let me try again. 

Ive tried reaching out to XXXX but I have not been able to get in touch with anyone, or speak to a human over the phone. Ive also tried contacting the original creditor, XXXX, and they have ignored all my emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 2022-11-28
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation