BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-15
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Payments for student loans begin this month, and we were told that 21 days before payments, we would be given a payment date and amount from our servicer. 

However, this is XX/XX/XXXX and I still haven't received any of this information. On my account right now, the payment date is blank and the payment amount is still {$0.00}, despite the account accruing {$1100.00} worth of interest already. 

I contacted the servicer on XX/XX/23 and they said they would respond in 3 days and they still haven't gotten back to me. I've called them multiple times, however their lines are so busy that I've been on hold for over an hour, gotten disconnected, and thus haven't spoken to anyone. 

I would just like a payment date and amount, please. If not please transfer me to another government provider who can handle this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
PLEASE VERIFIQUE THESE ACCOUNTS, BECAUSE THE INFORMATION IS INCORRECT, AND THESE ACCOUNTS IS NOT MINE ACCOUNTS : XX/XX/XXXXREMOVE THESE INQUIRIES, I DONT AUTHORIZE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX FL. XXXX. 

XXXX XXXX XXXX XXXX, XXXX FL. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: JPMORGAN CHASE & CO.
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: Their investigation did not fix an error on your report

Complaint:
I paid 2 car payments through XXXX XXXX as I normally do and Chase never got teh payments. I got a call just once and I let them know payments were made. They said they added the notes and two days later I got a credit alert about a late payment. 

once payment was made on XXXX XXXX for {$450.00} and another payment was made on XX/XX/XXXX for {$450.00} Chase said they never received them so I voided the checks through XXXX XXXX and made the payments online. The credit report still shows i made the late payment which I sent both on time with proof I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX 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 an 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 non-monetary relief
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 non-monetary relief
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion is currently reporting past due payments on my credit report where the date of first delinquency is over XXXX XXXX XXXX. According to the FRCA these past due payments need to be deleted. I have requested them to remove them multiple times and they refuse to do so. XXXX and XXXX removed them the first I disputed them. The account the are innacuretly reporting is XXXX XXXX XXXX  and the first date of delinquency is 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 non-monetary relief
Consumer complaint received 2023-08-08
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: Investigation took more than 30 days

Complaint:
To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. I have disputed those account 's already for more than 30 days there have been no answer, according to the law that is result of non-verification, which requires that the above accounts be immediately removed from my credit file. 

XXXX {$1300.00} ( opened XX/XX/XXXX ) XXXX XXXX XXXX  {$1200.00} ( opened XX/XX/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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested the following accounts to be investigated on my credit reports for accuracy and validationXXXX XXXX XXXX XXXX XXXX. These accounts have several errors and need to be deleted under the FCRA Laws requiring accurate reporting by all the bureaus and companies reporting this information. As you can see in the attached documents all the data that is not reporting accurately according to the FCRA and the FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I try to cash my checks from work and they have held my checks causing me late on payments XXXX weeks in a row. As well as when I first joined Wells Fargo the amount of fees I received for low funds is ridiculous. I havent had a worse time with a bank. And Im definitely getting another bank

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 2017-03-13
Company: ERC
State: GA
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 have an incorrect collection on my credit report without verification of debt. I do not have any contract with ERC ( Enchanced Recovery Copany ) and I have never done business with ERC ( Enhanced Recovery Company ). 
I have asked for verification of contract and I have not received any response at all. 
I am disputing this debt to the fullest extent of the law. They have also added it in my credit reports and are causing my credit reports to go down significantly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally dispute inaccurate information on my credit report as provided by TransUnion. On XX/XX/XXXX, I contacted TransUnion about the following incorrect information on my credit report, and to this date, they have not responded. Below are the details of the inaccurate information and the required corrections : The following account was never late : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} Issue : Please correct/update this inaccurate information on my credit report. 

The following account is not mine : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$20000.00} Issue : Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1200.00} Original Creditor : XXXXXXXX XXXX XXXX Issue : Please 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 non-monetary relief
Consumer complaint received 2023-10-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/XXXX I had a XXXX  consultation with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida for dental work. His office is located at XXXX XXXX XXXX. During the consultation he advised me that I needed XXXX crowns or I would lose all my teeth. He also asked me how much I could afford per month. He advised that he would charge {$10000.00} for his services. 

On XX/XX/XXXX, I went in for about an hour and a half of dental work to have XXXX temporary crowns put in and I followed up in XXXX for the permanent crowns. During this time I began receiving bills in the mail from a company called Care Credit, and I had learned that an application had been filled out in my name and I had been charged interest at the time of consultation. In fact, had I known XXXX XXXX applied and already charged me for the services not even rendered on XX/XX/XXXX, I would have run out of his office and never seen him again. 

Things took a turn for the worse as I experienced XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I saw XXXX additional dentists, advising me of bad work performed by XXXX XXXX ( malpractice ), XXXX of the XXXX XXXX having to be replaced and now needing XXXX full implants - work that now will likely cost {$30000.00} or more to repair the damage he has done to my teeth and bones. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am extremely disappointed that a doctor could take advantage of me by filling and/or doctoring forms to procure a credit card in my name, charging credit for services before they were rendered and then rendering services so bad so as to cause financial damage more than XXXX times the cost of what was charged. 

I would like it notated that my husband assisted me with writing this letter and all statements contained herein are a matter of fact and 100 % truthful.

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 2023-10-18
Company: Bread Financial Holdings, Inc.
State: OK
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I made a payment to Comenity Bank - XXXX Rewards Credit Card ( " Comenity '' ) using online bill pay from my personal checking account with XXXX XXXX XXXX XXXX ( " XXXX '' ). After receiving a late notice on XX/XX/XXXX, I immediately called Comenity Bank and was told to give additional time for the payment to be processed. I followed up on XX/XX/XXXX and a Comenity representative stated the check had not been received and that any payment made would be considered late, as a new billing cycle had already begun. The representative said if I paid now, I could request that my bank issue a stop payment on the check that was lost. I immediately paid the account in full on the phone with the representative who withdrew the late fees and interest charge. I also closed the account, as it was apparent I needed to mitigate my risks with this creditor who lost my payment. On XX/XX/XXXX, I received a statement in the amount of {$31.00} for a " returned check charge. '' Comenity found the check they lost and attempted to cash it. However, since a stop-pay was issued by XXXX, Comenity was unable to cash the check and charged me on XX/XX/XXXX, which is seven ( 7 ) days after I paid the account in full and closed the account- only because they lost my payment. I contacted Comenity on XX/XX/XXXX and spoke with two representatives, including a supervisor, and Comenity said they are pursuing the charge and will not credit the account. On XX/XX/XXXX, I was not told by the Comenity representative that if they found the check, they would charge me a returned check fee. Comenity 's attempt to collect a returned check fee from me is fraudulent and I should not be charged for this whatsoever.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-18
Company: CL Holdings LLC
State: WV
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
XXXX XXXX XXXX was the original creditor. I took out a personal loan and used my title as collateral so secure the loan. I defaulted on the loan. XXXX XXXX XXXX sold my debt to Jefferson Capital, LLC. United States Code 18 Section 8 states that ALL BILLS ARE PAID! Federal Reserve Act 16 Section 1 and 2 tells you the application is the security collateral. I was duped from the start. I am demanding presentment to get my title because I am the registered owner. My loan was paid in full once XXXX XXXX XXXX sold the debt to Jefferson Capital, LLC therefore I am expressing my power and duty over my property ( my title ) and want them to admit their breach under the FOIA ( Freedom Of Information Act ). I am demanding Jefferson Capital, LLC and XXXX XXXX XXXX to provide me of all records of lien or perfected security interest in my title.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Selene Holdings LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan number with selene finance XXXX my social security number is XXXX XXXX my complaint is that selene finance refuses to put me on a repayment plan I'm XXXX XXXX payments behind I recently sent in a payment itold them that I was a little late but they told me that I have to do another workout sheet. My complaint here 's is that I'm worried that they will still denied my application and also their was a news media report that selene finance is unlawfully filing foreclosures on people that are three months behind and telling them to do short sales. Even when they still apply for a repayment plan. And their a class action suit against them. So what I'm asking selene finance is to put me on a repayment plan I attend to keep property

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023. Packages started arriving at my door for purchases that were made with Chase credit card from XXXX. Someone named XXXX broke into my XXXX account made purchases tried to have the items redirected and shipping to a XXXX location pick up. XXXX did not re-direct those packages to XXXX but deliver them to my door. I did not make those purchases. I contacted XXXX and found out this person named XXXX ordered online gaming codes and Mel vitamin pills. He redeemed them online gaming codes but the mill vitamin pills arrived at my home instead. I called Chase disputing the transaction and they said they would deal with it remove it and then they re-posted the Amount of {$440.00} to my account during XXXX billing statement I try to dispute the transaction with them again they are being very unhelpful not listening to me. I have proof I did not make these purchases. I have online proof that the person name XXXX XXXX these purchases try to redirect my packages and sign for a package in my name. I called Chase and asked for a new card, asked for the old one to be locked and replace I have not received a new card. I called them to dispute. I asked her paperwork in the mail so I can send them proof, and I have not received it yet. They been very unhelpful. I also found chase.com has leaked my information on the XXXX web. All of my email and banking information has been leaked from chase.com during my own private investigation into this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-10
Company: NATIONSTAR MORTGAGE LLC
State: KS
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX XXXX XXXX is a unknown debt collector who misrepresents herself as an attorney for the consumers debtor Nationstar. XXXX is not an attorney when attempting to collect a debt the consumer, creditor and Principal is due. Nationstar and XXXX filed a masquerading Foreclosure action attempting to seize the Lender, creditor, individual loan originator and secured Party consumers assets. A action of this type is also an foreclosure against the United States of America since it involved instrumentalities of interstate commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I got behind on my mortgage as a result of a long drawn out divorce and the resulting financial struggle. I had applied for a loan modification XX/XX/2016 and was told that I would have a temporarily reduced mortgage payment for four months and if I paid that amount on time for four consecutive months then they would send me the paperwork to make that amount permanent. When I purchased the home I was married but the mortgage was in my name only. The loan was in my name only. Due to the community property laws of Texas, my then husband was on the deed. I divorced him and as a result of the divorce decree, I was given the home and a special warranty deed was done to remove him from the deed. After my four month trial period, paperwork was sent with my name spelled incorrectly. Then they resent paperwork but had my ex-husband as co-borrower. I not only explained the situation but provided the documents. They said that XXXX XXXX required that although I called them and they said it was not true. The rule states that the ex is is required unless he is deceased or removed from legal liability. I provided the documents but they would not recognize them. I tried for months to get this resolved and then XX/XX/XXXX I was told it was a final decision and that I did not qualify without him becoming indebted for my house. I have been through several representatives and supervisors. I wanted to keep my house but feel like they are stealing it so they can keep the {$10000.00} I paid up front and re-sell it for more. Nationstar has been extremely difficult to deal with. Initially I could not get anyone to talk to me. The automated system sent me to a recording based on my account. I even drove over to their offices at one point. Then I asked for supervisors and got the run around and they would not even listen to common sense. It was as though just reading a script and not thinking at all. I have been told that it the title company or legal office who draws up the loan modification paperwork is the one that decides what documents are required and that most likely the problem or block is there and not 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 2015-12-31
Company: CURO Intermediate Holdings
State: LA
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I obtained a payday loan from Speedy Cash XX/XX/2015for XXXX {$230.00} and was laid off when the loan became due. I contacted Speedy Cash and advised them. I received a phone call from a representative from Speedy Cash asking if I could pay my loan, I informed her that I was still unemployed and was not trying to get out of paying my debt with them. She said that she would refrain from collection calls and wished me good luck in going back to work. On XX/XX/2015 Speedy Cash drafted my account {$280.00} via electronic check without my consent or approval. I have since then closed my checking account with XXXX Bank here in XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
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 explanation