BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-18
Company: One Technologies, LP
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
This fraudulent company wrongfully charged my visa card ending in XXXX in the amount of {$39.00} on XXXX/XXXX/15 despite my having already called in 2 days prior to cancel on XXXX/XXXX/15 to cancel the ongoing membership with them before the next billing cycle began. I spoke to " XXXX '' on XXXX/XXXX/15, who went from stating he can help me with my cancellation, then in a desperate effort to keep me from canceling, holding on the phone for XXXX minutes, barely allowing me to speak. After XXXX minutes, XXXX finally told me that he had processed my cancellation request, sent me an email confirmation for the cancellation. Concerned about ongoing fraudulent billing practices and charges to my credit card, XXXX assured me that my card would not be billed any longer. 
I received the cancellation confirmation number : XXXX on XXXX/XXXX/15 indicating my membership had been cancelled. However, when I checked my XXXX XXXX checking account I discovered XXXX/One Technologies, L.P. had charged my XXXX card ending in XXXX in the amount of {$39.00} on XXXX/XXXX/15. Not only had this company billed me for ongoing service after cancellation, but they had the audacity to immediately restrict me from logging in and accessing the account. How dare you cancel my account and continue to bill me and then deny me access after you 've charged me for the whole month. Naturally, I assumed I would still have access to the account until the end of the month, being as though they had charged me already for the month of XXXX, but to my surprise and dismay they had restricted and denied any and all log-in and access to the account. How dare you. You charged me for the whole month, so I still have the right to access. I am disgusted and appalled by this scam company. They seem to take it personal, real personal when you choose to cancel your membership. They encourage, train their reps to aggressively bombard, burden, annoy and hold you up on the phone for upwards of 30 minutes by trying to distract and discourage and ultimately keep you from cancelling the expensive unimpressive, unsatisfactory services in hopes that they could persuade or should I say pressure you to choose XXXX of the for the exact same or similar, more appealing services for free or at a fraction of the cost, price it should have been at in the first place. What ever happened to just simply honoring the consumer 's request. I called you to cancel services. Period. Nothing less. Nothing more. They are hiding behind misleading advertising and false misrepresentations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX, XXXX and Experian are all currently reporting a bankruptcy on my credit report and they have listed the data furnisher as the U.S. Bankruptcy Court for the XXXX XXXX XXXX Michigan, which is false. 

I have attached a letter from this court verifying and stating they do not report individual bankruptcy case filing data to credit bureaus, nor do they update information directly to the credit bureaus. 

XXXX, XXXX and Experian are each falsely stating this bankruptcy on my credit report and has et to remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX, Equifax and XXXX are all currently reporting a bankruptcy on my credit report and they have listed the data furnisher as the U.S. Bankruptcy Court for the XXXX XXXX XXXX Michigan, which is false. 

I have attached a letter from this court verifying and stating they do not report individual bankruptcy case filing data to credit bureaus, nor do they update information directly to the credit bureaus. 

XXXX, Equifax and XXXX are each falsely stating this bankruptcy on my credit report and has et to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Hello, My name is XXXX and XXXX XXXX. This is most likely the 4-5th complaint against my mortgage company SLS. I just recently placed a case against them last week and here is another. I was in another short sale offer for the sale of my home for the past XXXX months. Recently-XXXXdays ago SLS called me aking for the FUNDING PROOF OF THE BUYER to be sent to them for review. I stated that it was my lawyer that they should be calling but I would contact them to request that inwhich I did that day. My lawyer in turn replyed and said she got that sent that day also to SLS and even asked them if anything else was needed. They said that was all they needed to proceed. 

Today I received an e-mail from SLS stating that my short sale was denied because of buyer funding proof and untimely grounds!!!! I e-mailed lawyer to explain. She stated she sent it XXXX days ago as requested and they received it. 

SLS is full of XXXX what gives them the right to even stay in business!!! They have really really really done a job on us!!! 

Why am I stuck with them and how do I press charges against them for neglect on our XXXXx in a YEAR SHORT SALE DENIAL!!! How do I get JUSTICE? Who do I call? I need to take serious action!!!!!!!!!!!!!!! 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 2022-04-13
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft. I have filed numerous FTC reports about the issue. I have disputes these account with the credit bureaus. They have not removed them, and have not proven that they are mine. A signature or contract can not be produced with any of 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 2016-04-24
Company: Collections Acquisition Company, Inc.
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I get some accounts with Paylance reported under my name who does n't belong to me, I already filed up an Identity thief victim report and request all this account with this company to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
California Business Bureau filed a collection record on my credit report. I called and provided my social number but they could not find my account have any outstanding balance. I receive a phone call next day from California Business Bureau stated that I have a hospital bill due back in XXXX which was paid back in XX/XX/XXXX. They did not verify the payment and affecting my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Home mortgage discharged in bankruptcy. Debt collection company sends collection letter. I call and notify them debt is discharged in bankruptcy. Debt collection company tells me I am still responsible for penalties and fees. They refuse to accept validity of bankruptcy discharge. Internet research reveals this company is running a well known scam to illegally collect money that is not owed to them. They are running a con that relies on uniformed consumers fearing them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: WELLS FARGO & COMPANY
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022. Me and my friend XXXX sent money to someone who we thought was our future landlord but turned out to be a scammer. She had come across a listing on XXXX that had stolen the pictures of the real property owners but had false contact information. We were sent an application to fill out, and were told to send them money through XXXX. Around XX/XX/2022 I began to be suspicious when I searched the address and found the real property owners website. I called and they confirmed we had been scammed. I called Wells Fargo immediately and reported the fraud. They did not offer much help or guidance during the call. I never heard from Wells Fargo about it, but soon my account would be negative. Losing {$500.00} in a scam while I also lost my housing and job I spent what money I had left to survive hoping Wells Fargo would return my money. I turned to high interest loans but eventually it wasnt enough and my account was negative. I eventually realized Wells Fargo was not going to help me, I couldnt fill out the complaint form through XXXX cause I needed numbers from Wells Fargo they never provided me. My account eventually closed around - {$220.00}. Im disappointed because if I had the money returned it wouldve covered the balance and maybe my account would not have closed. Now I owe Wells Fargo even more money and they wouldnt do anything when I lost {$500.00}.

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 2021-03-12
Company: ALLIANT CREDIT UNION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2021, I submitted an application with Alliant credit union for their Visa platinum rewards credit card. Initially, I got message that I was approved for {$2500.00} of credit pending submission of documents about my residency status. 
I've been in the XXXX for over seven years now, initially 5 years on a XXXX visa and now I'm in XXXX of 6 years in XXXX status. Because the visa needs to be extended after the initial XXXX period, Alliant denied my application, arguing that I had less than XXXX year left on my visa. Because the visa is only going to be extended at the end of the first XXXX period, I'm not able to provide a " proof of extension '' that was requested by Alliant until XXXX. 
While it is lawful to consider immigration status to determine credit-worthiness according to the Equal Credit Opportunity Act ( ECOA ), Alliant stated that they generally do not lend to applicants with short-term immigration visas or work visas that don't have enough time remaining. This practice does not adequately consider that XXXX visas are usually extended up to 6 years ( at the end of the XXXX period ) and often result in application for permanent residence, not does it consider community involvement/duration of residency and thereby the applicant 's likelihood of repayment. 
In Alliant 's case, they don't even use residency status to factor it into their loan decision, but generally exclude applicants based on residency status, which is a clear violation of ECOA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was victimized by Washington  Mutual  when I got me 6 % fixed f or 10 yr s in  XXXX . We all know about the crash. Now they went out of business a nd for 3 y rs I have been trying to g et Chase to  re fi. Now I have been working with a loan agent and this is what they offer. appraisal is  XXXX . Cash in to close is  XXXX . Loan amount would be  XXXX . This adds up to  XXXX . Really is this not a rip off. They want me to sign to a loan that amounts to  XXXX . Also their apprai sers are always low. So I will just sell when I can, never never deal with Chase, and go on with my business. Nice way to treat a vet. So I know you can not change them but I wanted to show you what they offered. Clearly they are taking advantage of me again. At my age, this loan would be totally crazy to take. Again, just another rip off by Chase. No wonder people hate to deal with them. They simply are about taking advantage of people to make MORE money for the father company. So this is my swansong to Chase. I  would not open an account with them if they gave me  XXXX  to do so. If they were the only bank to buy a home with, I would simply rent. Man, I can not believe they get away with this stuff.  XXXX   XXXX   XXXX  XXXX  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: Selene Finance LP
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX XXXX, XXXX XXXX ( " XXXX '' ) suffered a financial hardship and in XXXX XXXX XXXX hired the XXXX XXXX XXXX to assist him in his foreclosure defense. In the midst of a modification request, loan was service transferred from XXXX XXXX to Selene Finance LP ( " Selene '' ) and after a couple of month, XXXX was advised that the transfer was a mistake and XXXX XXXX was still the servicer. Updated documents were sent to XXXX XXXX and a three months Trial Modification was granted in XXXX XXXX. The first payment was received by XXXX XXXX on XXXX XXXX, XXXX. At the end of XXXX, XXXX XXXX Selene was their new servicer and future payments were to go to Selene. Although XXXX was making his mortgage payments every month, Selene did not process the permanent modification until XXXX XXXX. XXXX went out of business in XXXX XXXX and the XXXX ( " XXXX '' ) took over the law office. XXXX has been making payments each an every month since the trial modification but by letter dated XXXX XXXX, XXXX, Selene advised him that he was 35 days in default and foreclosing proceeding may commence unless they bring the loan current. On XXXX XXXX, XXXX Selene called the new office of XXXX to verify if our firm still represented XXXX and was informed that a Withdrawal of Attorney was faxed to Selene as soon as the permanent modification went into effect in XXXX of XXXX. On XXXX XXXX, XXXX Selene advised XXXX XXXX via telephone in a conference call with XXXX the that the escrow payments were raised in XXXX XXXX and a payment was being held in suspense until full payment on the escrow arrears is made. When told to Selene that XXXX was not made aware that the escrow increased as they have not been receiving the mortgage statements, Selene stated that the statements were being mailed to XXXX and they were being returned as undeliverable. XXXX requested a copy of the undeliverable correspondence as XXXX still receives the mail at the prior address and when informed that Selene has the updated address and phone number ( since they called our firm ), Selene response was to send additional default letters to XXXX. As XXXX can not afford to make the arrears and a full mortgage payment, we requested from Selene that they allow XXXX to add a little more to each mortgage payments until the arrears are current but Selene stated that an entire payment toward the arrears need to be made in addition to the monthly payment in order to stop all foreclosure proceedings. If in fact, Selene has been mailing the mortgage statements, it took them 6 months to communicate with XXXX and as the escrow got raised in the amount of {$200.00} per month, XXXX owes {$1000.00} in arrears, which he can not afford to make in one payment. Although copies of the alleged returned mortgage statements were requested, Selene has not forwarded even one of them and is now sending all correspondence to XXXX but not any mortgage statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
Chase Bank, XXXX XXXX XXXX has incorrectly assessed payments and is reporting my payments late in my credit report. I am not late and this should be corrected forthwith. It cost me thousands of dollars more on my new lease worh XXXX bank. I will sue Chase Bank for damages caused to me as a result. This needs to be corrected as my other vehicle is due for return.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Deceptive Act / Practice - I received a credit offer in the mail and email ( XX/XX/XXXX ) from Chase for Marriott Bonvoy Boundless Card with a headline indicating " Earn 3 free nights '', " 10X Total Point '', and " Platinum Status through XX/XX/XXXX ''. On XX/XX/XXXX I applied for the offer by clicking the link within the email. After my account was approved and I received the card and terms in the mail, it did not include any of the headline items indicated in the offer. I called to file a complaint with Chase customer service on XX/XX/XXXX. I called twice on XX/XX/XXXX to check on the status of the request. The first time, I was just transferred by the representative to a Marriott Reservation line. I called back again and asked to be connected to the escalation department. I was informed by the escalation department that my request was denied since I did not apply for the right offer. I have a copy of the mail and email offer including the link I used to apply. I also have evidence in my browser history of the link I used to apply and it matches the link in the email. 

The only reason I applied for the offer was due to the headline terms indicated. Chase 's action are totally deceptive and unfair. Also, it does not look like Chase took appropriate action to fully investigate the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: Waterfall Revenue Group
State: DE
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was in the hospital of XXXX XXXX. located in XXXX De. I suffered XXXX ( XX/XX/XXXX 2009 ) at the time. 
XXXX XXXX requested an independent ( someone who is not assigned to XXXX XXXX XXXX XXXX XXXX XXXX XXXX assigned to my case. Prior to seeing XXXX XXXX, he called me on the telephone, where he became extremely rude and lets just say unprofessional. He followed that phone call up with a visit where I told him : " I do NOT want your services. '' I shared this with him prior to any verbal exchange when he came into my XXXX room. He persisted that he attend to me ; I let him know under no uncertain terms did I need nor want his services. He was fired. Despite my directive to him and the fact that this incident occurred 6 years ago, I found out recently that a XXXX dollar bill had been assigned to my credit report through XXXX XXXX XXXX XXXX. 
This collection agency is : A1 Collection Service XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, N.J. XXXXI feel this action is unjust and completely unwarranted. 
I do have documentation from XXXX that supports my claim and would be glad to submit that if needed. 
The phone number to XXXX XXXX 's office ( according to the internet ) does not appear to be working.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: Exeter Finance Corp.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been contacted multiple times over the last nine months by Exeter Finance Corp of XXXX Texas about a debt I do not owe to them. They have me confused with a person with a similar name. I have been in contact with them on five occasions and each time they assure me they have solved the problem and I will no longer be contacted. I have filed XXXX complaints and have XXXX emails from this company indicating that their harassment of me will stop and can provide them if desired.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: Comerica
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XX/XX/2020, I discovered my debit card number had been stolen, somehow, and used for fraudulent charges overseas. I can't travel - ever - due to XXXX. I am single and do not let anyone else use my card. The card itself was not stolen - just the data. Someone used the data to steal funds from my account in the form of cash advances. I immediately notified the company the second I found out about the fraudulent charges. The company sent a form to me to fill out, which I did and immediately faxed it back to them. The gave me a " temporary '' credit. I just found out today this company reversed the credit without providing any explanation. I tried to reach the company through their 24 hour number. I never got to speak to a live person. I tried to get through after pressing the required number to reach a person for over 2 hours listening to hold music. No one ever answered! Also, I attempted to contact the company regarding the fraud charges last month and never could get through to a live person to discuss the case.

Company response to consumer: Closed with monetary relief