BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing this letter to ask for help resolving major issues with my home loan. The constant rise in mortgage cost has caused me to become delinquent on my mortgage. I have done everything in my power to keep my payment commitments. I contracted covid this summer, at the end of XX/XX/2022, I am feeling recovered now and back to normal. I would like to restart making payments on XX/XX/2022. I am requesting your help to resolve the following matters. 

1 ) On XX/XX/2022, I purchased an insurance for yearly premium of {$1300.00}. My previous premium was lender placed for the amount of {$4200.00}. The insurance was billed monthly and included in my monthly payments. I therefore expected to reduce my payments by almost {$300.00} per month. Howver at my disappointment, my monthly payment has almost not changed and stayed at {$2700.00} ( down from {$2700.00} ). I would like help reducing the monthly payment. 
2 ) On XXXX XXXX, I received a letter assessing an additional {$1100.00} to my account, which I do not understand and customer representatives were not able to explain it to me, nor did they understand this amount charged since I pay the insurance monthly. 
3 ) At the end of XXXX, I entered a forbearance plan due to covid-19. The letter I received, dated XX/XX/2022, stated that that several options may be available to me to keep my home : reinstatement, repayment plan, modification, deferral. My preferred method is deferral since I was ill with covid these past months and am now able to restart making normal payments. Customer representatives I called were not able to propose me this option nor a feasible option. I am therefore contacting you to get help. 

I would like you to consider working with me to help me reach my number one goal, which is to keep my home and I would really appreciate the opportunity to do that. 

I truly hope that you will consider working with me and I am anxious to get this settled so we all can move on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Mercedes Benz Financial Services
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am writing about my experience with Mercedes Benz Financial that is a mixture of a grateful " thank-you '' and a pressing request concerning an auto loan that was repossessed its showing on my credit files that I would like to have revised. I received the car in 2019 one year before the chaotic life event XXXX that caused me to lose my job. I became disorganized with respect to making timely payments with Mercedes Benz. I fully recognize my responsibility with respect to payable accounts and have worked diligently to rehabilitate my relationship with Mercedes Benz since that time. 
To be honest, that year was a " wake-up '' call for me regarding fiscal organization. Since then I believe I have learned the essential organizational and financial management principles I desperately needed at that point. Thankfully, responsible credit management is now reflected in my credit records which excluding the repossession everything is excellent. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, one that I am determined to keep spotless.I am are about to shop for a new home and starting a family, and it has come to my attention that the notations from Mercedes Benz may preclude me from taking full advantage of the very lowest interest rates now available. Since those notations do not reflect my current status with character I am requesting that you give me a second chance at a positive credit rating by removing those tradelines and forgiving me of this debt. Your customer service representative suggested that I write you for a " goodwill adjustment. '' I sincerely hope that there is redemption at forgiveness and I beg you for such consideration. Please let me know if any additional documentation would assist in reaching a positive outcome, and I thank you again for the time you have spent reading this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never notified by ProCollect nor XXXX XXXX XXXXXXXX XXXX that an adverse action was taken against me. I found out about the adverse action upon checking my credit report. 
This debt should not be ok my credit file. I was a XXXX XXXX XXXX XXXX which legally entitled me to be removed from the lease. I reported this issue to the property manager at XXXX XXXX XXXX in XXXX of XXXX and was advised to provide my divorce decree. I handed her the document. 
Upon checking my credit report in XX/XX/XXXX, I discovered that this charge was on my credit file, the manger neglected to remove my name from the lease. I have contacted both XXXX XXXX XXXX and ProCollect several times. Many times, my calls have not been returned from XXXX XXXX XXXX. The last time that I contacted ProCollect concerning this issue was XX/XX/XXXX. 
I have police records reporting XXXX XXXX, the divorce decree, and the lease to where I was actually living at the time that this debt occurred, which was XXXX of XXXX. 
My ex husband, XXXX XXXX was living there without me during the time that this debt occurred. Additionally he changes the locks and only XXXX XXXX XXXX and XXXX XXXX had a copy of the key. I had no access to the property. This is noted in the police record from XXXX of 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 2022-09-29
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX  called me 4 times within 4 days to verify if I was trying to open up an account. I told them this was not me and they told me I would not be penalized for the inquiries and they would be removed right away. They were not.

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 2022-08-02
Company: Cascade Capital, LLC
State: TN
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 sent in a dispute letter/debt validation letter to Cascade Capital Funding , LLC to validate this debt. I asked for documents/contracts bearing my signature, and dates of services. In correspondence, they corresponded with a letter including my medical records, directly violating HIPPA.

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 2022-10-22
Company: Experian Information Solutions Inc.
State: FL
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:
XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX XXXX XXXX  ran an unauthorized credit inquiry on me on XX/XX/XXXX. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX XXXX and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2022-10-22
Company: Experian Information Solutions Inc.
State: FL
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-22
Company: Entrata Inc.
State: FL
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:
XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and Entrata ran an unauthorized credit inquiry on me on XX/XX/XXXX. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact Entrata and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

If you have any questions or need additional information, please contact me at address listed below.

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2022-08-02
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I got a notification that I had a collection account on my credit report and it was from National Credit Adjusters with XXXX XXXX. This account was included in my bankruptcy in XX/XX/XXXX. I called XXXX XXXX XXXXXX/XX/XXXX and they verified that this account was in my bankruptcy and I would need to speak with National Credit Adjusters. 
They have been harassing me with phone calls and threatening to take me to court even though this account was taken care of. I called XXXX XX/XX/XXXX and was told this was in XX/XX/XXXX when that information isn't correct. I have the letter from XXXX XXXX that I will attach to this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2022-10-22
Company: FC HoldCo LLC
State: FL
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:
XX/XX/XXXX FLAGSHIP CREDIT ACCEPTANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and FLAGSHIP CREDIT ACCEPTANCE ran an unauthorized credit inquiry on me on XX/XX/XXXX. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact FLAGSHIP CREDIT ACCEPTANCE and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2022-08-24
Company: Experian Information Solutions Inc.
State: TX
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:
In XXXX of XXXX, XXXX of XXXX, XXXX of XXXX and XXXX of XXXX I sent certified letters to XXXX and Experian notifying them that they were in violation of the FCRA and of requisite METRO 2 Complaint reporting standards. I have the right to a fair and accurate report, but XXXX and Experian are illegally reporting inaccurate false information about me. They have been reporting an alleged account with XXXX XXXX on my credit report as a charge off with a past due balance of {$7500.00}. XXXX, Experian, and XXXX are also reporting an alleged account listed with XXXX XXXX XXXX XXXX as a collection with a past due balance of {$3000.00}.

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 2022-08-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I have sapphire checking account with chase, previously private client for so many years, my money is in the self-direct investment account with chase, for a initial asset of XXXX dollars, more than XXXX which is the requirement of Chase to waive the monthly fee for XXXX checking account. 

Due to the pandemic market downturn, I experienced big loss on the investment which the balance had dropped below XXXX, without any notification, Chase start charging the checking account monthly fees for XX/XX/2022, and I started realizing that on XXXX. They were only able to refund a one month fee. 

I can not accept that due to the market downturn, the bank charge more on the customer, investment loss is not consumer 's fault, and we did not getting any notifications regarding the fee going to be charged. 

After I noticed this issue I immediately downgrade my account to premium checking. But as a client with Chase for that many years, I believe Chase should not charge the fees for that many times to load more pressure on consumer during pandemic market downturn.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-21
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have been fully denied all my rights as a person that had been a homeowner that had been divorced then fell to default all while the loan with wells fargo in my exhusbands name with us both as the lien holder to upon divorve decree order tried to assume and modify the loan. It was all fully backed with XXXX XXXX with specific rights that allow a divorce decree to then allow the remaining spoce not on loan to automatically assume loan as rights pertain upon the mortgage regulations stated thst Wells Fargo denied to have any type of this to have been allowed then they foreclosed upon also habing wrongfully denied my lian modification ans assumption request that also was never needed upon diborce as I had right to allow myself with divorce decree stating sole home cost as my responsibility thrn also sent Wells Fargo this decree thrn requested multiple reviews to assume or even just get forbarance in written request all denied upon my asking. This is all documented and wells fargo still dienes all of theese issues or any type of wrongdoing as they are concerned.bi have more then enough to prove this all was sone and my home foreclosed reguardles nof monthly request to assume and modify and also to pay currently due total before it was sold anyway but also denied my rights to my home to remain in my name that XXXX. XXXX specifically must have loans per divorce when spouse to take home loan can assume per court order to allow the home to be thiers. I dilled many complaints to make this right then the wells fargo bank never was able to show they ever really did any type of wrongdoing to a wrongfully foreclosing to have been deemed as having happened. This all is also based due to the issue the bank denied all required written and spoken requested assumption and dual modifications as i had a request and the bamk denied my full modification application they had been able to show they somehow dis not recieve due to missing documents they also had to now somehow get away as they denied the trueth that i have those missing documents to prove as wrll was all wrong and negligence was being the main issue as wells fargo had to allow basic XXXX XXXX loans a right to assume as the riggt of ownership thrn allows me to have been the sole person to allow automatic assumptions of loans per divorce when they also denied this multiple times as i requested. This must get correctly fixed to my loan rights have now been fully wrongly denied as they never took any responsible action to ever fix as the mortgage had my rights all in written dorm spelled out that i mever had to be a person required to thrn be applicable as they have no tight to deny this to me per XXXX XXXX rights the loan stated must be asserted.

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 2021-08-03
Company: Santander Consumer USA Holdings 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: Account information incorrect

Complaint:
I purchases a car and financed it through Chrysler Capital in XXXX, about a year or so I was in an accident. The car was totaled and taken to the impound yard where my insurance adjuster viewed it and confirmed that it was totaled and that it would be paid. A month or so later I was notified that the bank had taken possession of the car and it was no longer in the impound yard. I never heard anything further about it. Then I found it on my credit report as a charge off with the full balance of {$20000.00}. I've written the bureaus and the Chrysler Capital several times and no one will give me a response.I don't think I owe this amount even if the insurance didn't fully cover the cost it wouldn't be this high. I never received any paperwork from them. A few days after the insurance confirmed the car was totaled I went to a dear purchase the same make, model and color car I have never been late. Now a week ago a tow truck showed up trying to repossess the original car that they said they had from 5 years ago and I still have yet to receive any paperwork from Chrysler Capital or the impound yard for that matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation