BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-13
Company: SUNRISE CREDIT SERVICES, INC
State: FL
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 letter is regarding account Sunrise Credit Services, which you claim theres a collection account that I have with you ). This is formal notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence and bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that you could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$2000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623- b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My Contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organization below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : 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 2015-07-31
Company: SYNCHRONY FINANCIAL
State: MI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My XXXX credit report shows the following under the SYNCHRONY BANK/JCPENNEY : " Account in dispute under Fair Credit Billing Act. '' I am not in dispute with JC PENNEY. Please explain what this means.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-07
Company: EQUIFAX, INC.
State: CO
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:
this company accessed my credit with no permissible purpose and without my written or verbal consent. The credit bureaus refuse to remove it and state that I must contact the creditor. This is not a case of ID theft or Fraud. This is simply a case where XXXX accessed my credit file without my written or verbal permission or the credit bureau reporting a soft pull as a hard pull. Either way it must be removed per the law as no permissible purpose exists and never has. I need this inquiry removed immediately. Account name XXXX Date of request XX/XX/2017 Comments per the bureau : Unspecified inquiry ( NO PERMISSIBLE PURPOSE )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
For the past 3 months I have received the WORST customer service ever from any financial institution that I have delt with. Dealing with XXXX XXXX XXXX from X/XX/17-XX/XX/2017. I was giving misleading information. Her customer service to me was tasteless, classless and very disgusting! Ive sent her over 10 emails not one Time has she replied back to my emails. She had me pulling information that wasnt apart of the issue I was having. I felt racially descrimated when I met with her in person and after that we spoke on the phone several times. I was rudely cut off and her tone wasnt pleasant. I dont understand how someone with such a high position in a bank lack basic customer service skills. I was treated as if I was a criminal!! I will be taking legal matters. Anyone who banks with XXXX XXXX XXXX XXXX should leave before this happens to you! UNACCEPTABLE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Westlake Services, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have purchased a truck on XX/XX/2020, from a car dealership, XXXX, that uses WEST LAKE FINANCIAL as the lender. The finance company, WEST LAKE FINANCIAL is covering up the fraudulent actions of the dealership by not requesting the title of the vehicle with in the 30 days of purchase. It has been past 60 days and the finance company has not received the title to the vehicle. These action are fraudulent. The finance company should eliminate any business relationship with the dealership as they have been know for title washing vehicles. The transaction took place in the state of Virginia, which it is illegal to sell a vehicle without a title. This cover up by the WEST LAKE FINANCIAL is unacceptable. The finance company should push for legal action to acquire the title from the dealership 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 2016-10-26
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am currently trying to get a loan modification review through SLS but they just told me today that they could not because they need 38 days to look at my file. This seems odd because I have been submitting documents and was never told that. I submitted my loan modification documents over 10 days ago and additional conditions over this weekend only to be told that they can not look at my paperwork.I am concerned because I have not received anything in writing and feel that SLS just does n't want to work on my file. I get teh sense that they are going to just let me lose my home. I have a sale date for XXXX/XXXX/16 and I do n't want to lose my house to foreclosure.

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 2016-03-23
Company: Nelnet, Inc.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am on an IBR plan. I recently changed jobs ( I am now earning less than before ), and emailed recalculation paperwork to adjust my monthly loan payment relative to my new salary. I sent the paperwork in on XXXX XXXX, XXXX. When I did not receive an email confirmation that my paperwork was received, I sent it two more times : XXXX XXXX and XXXX XXXX. On XXXX XXXX, I called Nelnet to confirm receipt of my paperwork. The Nelnet representative confirmed my paperwork was received on XXXX XXXX and that all information necessary to process the recalculation was in the system. When I asked for a confirmation email that the recalculation would be applied to my XXXX bill ( my payment due date is the XXXX of every month ), I was told that it " probably would be '' but he could not confirm because their paperwork processing department is so backed up and they were still processing paperwork received on XXXX/XXXX/XXXX. ( Note : During my annual renewal process in XXXX of XXXX, I was told by a representative that their paperwork processing time is 30 days. ) I then asked to be escalated to the manager. The manager told me they could expedite my paperwork so it would be processed in 3-5 days, but they could not confirm that it would be applied to my XXXX payment. I then asked to speak with her manager. Her manager told me that he could not confirm that the recalculation would be applied to my XXXX payment, and also that expediting my paperwork was also not an option. I then asked to speak with his manager, at which time I was sent to the Resolution Department. XXXX in the Resolution Dept told me that they would not confirm the recalculation would be applied to my XXXX payment because " while there is a 30 day processing time, we require an additional XXXX days to apply the changes to your account. '' I then asked XXXX to verbally confirm that while their policy states 30 days of processing time, they also have an additional 3-5 days processing time. She confirmed this was the case, which was not consistent with what I had been told in XXXX XXXX. I asked XXXX to email me this in writing, which she declined to do. I asked for her contact information, which she declined to provide. After asking why there was no way to contact her directly, she gave me her telephone extension. I then asked to be transferred to her manager, which she declined to do. After more discussion she agreed to send me to her manager 's voicemail, but then she hung up on me. All of this took more than 30 minutes. I simply would like to have my paperwork processed within the 30 days I was told it would be, and have my XXXX payment reflect my new salary.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XXXX 2013 I became the victim of identity theft. One of the accounts is from XXXX in XXXX, IL. I have successfully remove all fraudulent accounts and addresses from all credit reports by repeatedly providing a police report, signed affidavit and supporting documentation, including a history of events and fraudulent account disputes and resolutions. However, equifax has been notified several times of my identity theft and this specific fraudulent account. I did n't even receive confirmation of my first notice of fraud to equifax. It was only after my second fax of documentation that equifax acknowledged my dispute. It took several notices of fraudulent addresses for equifax to remove those, and they have now refused to remove this particular account from XXXX. XXXX, XXXX, XXXX XXXX XXXX, and several other fraud investigators have been very responsive and accurate. This problem is particular to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/23 a person claiming to work for bank of america called and said there were fradulent charges being initiated on my account via XXXX. the money was taken from my BOA account. Bank of america failed to warn costumers of this scam, and it has been going on for months now XX/XX/23 XXXX XX/XX/23 XXXX was taken from my checking XX/XX/23 XXXX XXXX XXXX was taken from my savings

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 2017-03-19
Company: NEW YORK COMMUNITY BANK
State: GA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I was trying to log into my account with New York Community Bank via XXXX and when I entered my user ID was told my account was disabled. 
I called customer care and was told because I had not used my account recently ( note they did not give a specific time window for this policy on account closures even on the customer care call ), they had disabled my account. This was without any advance notification to my email address linked to my online account. They refused to unlock the account even when I provided my SSN, account number and my online banking details. 
They claimed this was pursuant to their policy in the agreement I signed opening the account. However this seems disproportionate and not clearly articulated. I know for a fact I downloaded my tax documents in XX/XX/2016 for the previous year from their website, yet by XX/XX/XXXX they had closed my account and sent all my money to the local government, where I must now file an Unclaimed Property Request and deal with all the challenges that entails to get the money that is mine returned to me. It was also only when I requested to speak to a supervisor that I even found out they had sent my money to the government, as the first customer care contact mentioned nothing of the sort to me, just that I should send a letter and copy of my driver 's license to request my account be reopened, even though in fact the account and the money is gone for good from NYCB and I must search it out with the local government. 
This seems unreasonable for not having logged in perhaps during six months to an account, and I would request the CFPB review the terms of service of this Bank to its customers, require they adjust their policies on closing accounts and unilaterally sending consumers ' assets to the government, as well as send email notifications warning of such actions before they are taken. I have many accounts with financial institutions and have never had close to this awful a customer experience and am now faced with the uncertainty of ever seeing a very large sum of money again. Are n't banks supposed to be safe places to store your money? It seems NYCB does not take this core responsibility seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Experian Information Solutions Inc.
State: GA
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:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 and my 30 day letter to comply was sent on XX/XX/2020.

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 2021-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am trying to lookup a transaction or transactions that happened on XX/XX/2012 which was a debit for {$870.00} in my checking account ending in XXXX. However, the bank doesn't show any records beyond 7 years. I spoke to a customer service representative and her supervisor and both claimed that the bank doesn't keep records beyond 7 years which is hard to believe. 

I need that information since I need to claim deposit for my apartment that I was renting and the bank is providing me no way to get this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
XXXX and TransUnion are fraudulent on my accounts : XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I had been looking forward to buying my first car in the United States and was excited to take out a loan from Wells Fargo to make it happen. However, my excitement quickly turned to frustration when the bank forced me to add expensive insurance to the loan, resulting in exorbitant monthly payments that I could barely afford. 

I had a checking account with Wells Fargo and had repeatedly asked the bank to set up an automatic payment system so that I could avoid the late fee and other charges. But despite my repeated requests, the bank refused to set up an auto-payment system, leaving me to call in every month at a specific date and time to make my car payments. Unfortunately, this often resulted in my payments being late and thus incurring additional late fees. 

As a result of Wells Fargo 's high charges and unnecessary insurance, my credit score took a significant hit. The late fees, insurance, and high charges caused me to endure financial difficulties I had never experienced. I felt ripped off of my hard-earned money due to the bank 's negligence, and I couldn't help but wonder how different my financial situation would be if Wells Fargo had been willing to work with me instead of ripping me off of my hard-earned money.

I want to be compensated for my hardship due to gross negligence by Wells Fargo.

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 2022-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Transunion continues to update my credit report with incorrect balance information which is effecting me getting a job and finding housing i have paid off a balance in XXXX and one month it states its paid then the next month it reverts back to the old balance this is unacceptable and do to me missing out on job opportunities i am seeking counsel this agency refused to update even after several disputes i even contacted the credit card company whom states it should not reflect the incorrect balance transunion needs to be held accountable for there negligence

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I wrote and mailed Transunion to initiate a dispute with Transunion because they are publishing information in my consumer file which are transactions that were originated from my credit card. According to the Fair Credit Reporting Act, these transactions are supposed to be excluded. I hand wrote these letters and sent them certified mail with proof of delivery and have attached them to this complaint. Today, XX/XX/XXXX, I received a communication in the mail from Transunion alleging that I did not sent this dispute. This communication from Transunion is not in accordance with the Fair Credit Reporting Act. This response is offensive and absolutely unacceptable. Transunions response has no legal merit and upon further research is apparently something the credit bureaus to regularly. I have attached a copy of their response as well as my dispute. I have also induced an article from the Consumer Financial Protection Bureau ( YOU ) regarding the bureaus making a common practice of ignoring consumers disputes. My rights have been violated and not Transunion is discriminating against me while continuing to fraudulently publish information which should be excluded from a consumer report. Please do something as this egregious violation of my privacy and rights is impeding me from obtaining housing for my children and I. I did not consult a credit repair company to fix my credit and I swear under penalty of perjury I wrote and mailed those letters. Transunion criminal activity is directly defaming my character, engaging in fraud, and desriminating against me for asserting my rights. The Consumer Financial Protection Bureau is supposed to protect me, so do your job and help me.

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 2020-10-07
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear CFPB, Please find my complaint against XXXX XXXX XXXX XXXX XXXX and PennyMac Loan Servicing LLC I respectfully demand XXXX XXXX XXXX, XXXX to identify the SELLER of my loan to PennyMac and copies of all releases of liens ( 1 ) by XXXX or someone else ( XXXX XXXX? ) to XXXX XXXX XXXX XXXX ( who purportedly SOLD my loan to someone ) ; and from PennyMac who purportedly PURCHASED my loan from someone. 

Releases of prior liens MUST be filed with VA after EACH sale. 

XXXX responded to my prior requests and ALWAYS said that they only transferred servicing to PennyMac. 

PennyMac ALWAYS claim that they PURCHASED my loan from someone. When I ask who sold my loan to PennyMac neither  XXXX or PennyMac are able to respond.

Servicing transfer and SALE of the loan are totally different procedures. 

IF PennyMac actually purchased my loan, here must be a Seller who had rights to sell my loan.

This Seller MUST receive a release of lien from PennyMac.

Please identify the SELLER of my loan to PennyMac and provide me copies of releases of liens by prior owners of my debt ( if any ) I am entitled to have this information ; and it must be filed with  XXXX XXXX after EACH sale. PennyMac never provided me any disclosures who was the Seller or any prove of their " ownership '' of my loan.

Again, please provide me a copy of release of my lien from PennyMac to the Seller who SOLD my loan to PennyMac.

Company response to consumer: Closed with explanation