BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-01
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Dear XXXX, This letter is to address an XXXX XXXX bill that was sent to collections back in 2011. I am disputing this because I never received a bill from XXXX XXXX. And when I tried to communicate with XXXX XXXX, they told me the address they sent the bill. That address they had on file was not my correct address. I told them there was a mistake and this was not my address or the address I gave to them when I signed up for the XXXX credit card. XXXX XXXX told me they already sent the bill to collections and it was out of their hands. That 's when a {$20.00} dollar bill turned into {$270.00}, which really upset me to not want to pay the bill at all. 

Now it 's 6 years later and I am trying to get a home and refinance my student loan. I have my XXXX child on the way and I need to provide for my family. I can not do so because of this negative credit report from XXXX XXXX. I ca n't believe how these pair of flip-flops I purchased from XXXX XXXX has haunted me. I do n't care anymore that a twenty-dollar purchase at XXXX XXXX has turned into a {$270.00} dollar purchase. I already paid the bill that was owed to the collections agency, XXXX XXXX. I asked for a pay for deletion and they said that I would need to talk to XXXX XXXX 's Charge Off Department. I was sent to you and asked to write a letter to this XXXX. I know you get these letters every day, but there has been an honest mistake. I am asking for you to see a person, not another letter. I am asking you to listen and try to understand my situation. I am a person, just like you. Trying to better myself to better my family, just like you. Trying to feed a family and make a life for them, just like you. I am asking for your help to get this error corrected. Specifically, I am asking to get this negative mark from XXXX XXXX off my credit history. I understand you 're busy and it is hard to read letter after letter and care. But please try. This is my life. 

I appreciate your time and understanding. If you have any information that would help my situation, please let me know. 

Thank you, 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 2016-01-01
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
on XXXX XXXX, 2016, I saw my experian credit report and notice a fraud statement that did not pertained to me. I did not write nor call experian and ask them to put a personal fraud statement on my credit report. I can say that someone used my information without my consent. But i never asked the credit bureau to put a fraud alert, which included a personal statement that I did not add to my credit report, and the credit bureau listed a old phone number that I had 5 months ago

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed inaccurate personal information and inaccurate accounts on my credit file with Experian. They will not provide me with method of verification per FCRA Section 611 ( a ) ( 7 ). They just tell me in a letter " verified, '' which under the FCRA is not sufficient. They continue to ignore my requests and are not completing the requirements per FCRA to furnish such records.

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 2021-08-04
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was declined for an XXXX store credit card which I qualify for based on my income and credit. 

However, I received a letter that due to my age and the fact that I have a recent address change ( purchased a new home ), I was declined which is discrimination against me based on my age, and both my income and credit score should have me approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: WELLS FARGO & COMPANY
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was alerted my credit score had dropped XXXX points. Turns out wells fargo home mortgage cancelled my auto debit and my mortgage is past due. Soon as we discovered this I called wells fargo who allege we cancelled the auto debit? I asked why i receieved no calls, letters, emails or ANY CORRESPONDENCE at all alerting me before wrecking my credit and they fabricated that I had a do not call on file?? I HAD a very high credit score and of course would want my home mortgage company to contact me if needed. Wells fargo also had no reason why they didnt send a letter or an email notifying my i was delinquent. Certainly thats a legal compliance violation, zero notice prior to reporting past due to the credit bureaus. I tried contacting them and paid them as soon as we discovered the situation but they offered zero help on fixing my credit even though they acknowledge they did zero due diligence to contact me regarding being past due. All i want is the right thing done and my credit score fixed due to lack of notice on their end.

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 2016-12-30
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This debt is not mine. 

I requested that the company send me verification the debt that they claimed I owe, including verification that there is a valid basis for claiming that I am required to pay the debt to the current creditor, information about the billing statement sent to me by the original creditor ( or something similar to verify the amount and age of the debt ), and also details about their authority to collect the debt, including their licensure status in my state and their contract with the original creditor. 


Their reply contained little to no actual information and seemed to merely be internal invoices for the amount they claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: DriveTime
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I sumbitted a complaint against drivetime reporting againt my credit bureau report inaccurately and they responded back that they would remove their tradeline from my credit report but it is still showing. I have disputed with the bureaus with the letter drivetime provided that they will remove but its still reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX, Tx send my medical bill to Paramount Recovery System which is a third party about my debit. On XX/XX/2016 I sent a certifield mail. Under the Fair Debt Collections Practices Act, I have the right to request Validatin of the they say I owe.I am requesting proof that I am indeed the party they are asking to this debt.I feel that my HIPPA has been breach of my privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act XXXX account name XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX account name : XXXX XXXX XXXX # XXXX account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX 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 account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report contenting 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 then 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 2015-10-23
Company: Empowerment Ventures, LLC
State: MN
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
My account was blocked during the system outage and I had been without access to my money for almost 2 weeks. When I finally was able to get " help '' I was told that I needed a new card issued and it would take 7-10 business days to get my card or I could have it expedited for a {$30.00} fee. I had no other choice but expedited shipping due to needing to pay my electric bill by the end of the month. So now I am not only behind on bills, but now I am also out an extra {$30.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-20
Company: Alabama Housing Finance Authority
State: AL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for an FHA home loan a month ago in conjunction with an Alabama Housing Finance Authority XXXX ( down payment assistance ) I was told the loan would be approved, but just found out from the mortgage loan officer, today, XXXX XXXX, 2016 that I do not qualify for the Alabama Housing Finance Authority XXXX because I am married and estranged from my husband who is living XXXX and can not be contacted to state his income and give his authorization for me to purchase the house. I am just stunned because I was led to believe that everything was o.k. and closing would be XXXX XXXX, 2016. For this reason only, I can not purchase a house and must continue to rent. Alabama Housing Finance Authority stated that I needed to be divorced, legally separated, or my husband needed to be deceased in order to take advantage of the program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This collection appeared on my credit report. I never received a collection letter and they have failed to respond to my requests for Validation of this account since XXXX of 2015.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/16 I discovered an authorized debit transaction on my checking account. The transaction was an international wire debited from my account on XXXX/XXXX/16. The amount was for {$2500.00} + {$50.00} fee. I never filled out any wire or conducted a wire transaction. 
On XXXX/XXXX/16 I went to my local Chase branch ( Branch Manager XXXX XXXX ) to notify them of the unauthorized transaction. XXXX XXXX researched the transaction and confirmed that I was not the sender of the wire. Since the debit was a bank error, XXXX XXXX refunded NSF fees of {$12.00} on four occasions. This goes to show that it was a bank error. 
For several days thereafter I visited the branch at least three times to speak with XXXX XXXX. On one of the visits XXXX XXXX told me they were trying to locate the beneficiary of the wire in order to refund my money. 
On XXXX/XXXX/16 XXXX XXXX contacted me by phone and informed me that he was going to refund my money + wire fee to me no later than XXXX/XXXX/16 or XXXX/XXXX/16. As of this writing date, XXXX/XXXX/16, no funds have been returned to me. 
It is my understanding this fraudulent transaction is covered under Regulation E and I believe the branch manager - XXXX XXXX - is not complying with the law and is withholding information to my detriment. 
Please assist me to return my money + fee. XXXX XXXX 's reluctance to assist me is a violation of the law ( Regulation E ) and amounts to theft. 
Chase 's negligence has caused me great harm as I have had to live without my money for nearly one month. In addition, I am not receiving clear information from the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-20
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXXXXXX PLEASE HELP ME PLEASE im depressed now.with no help.

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 2015-12-07
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conns has called me times a day for a week straight from different numbers trying to collect a dept i agreed to pay this past Friday. But now in at the point ive been harassed by them and dont believe i owe them anything now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX [ XXXX XXXX ] XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ mi ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ I want this remove from my credit profile please help remove. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

Sincerely,

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 2017-02-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We were issued a XXXX Loan # XXXX on XXXX XXXX, XXXX. That mortgage was transferred for servicing to PennyMac Loan Services , LLC ( Now Loan # XXXX ) effective XXXX XXXX, XXXX. Since that time, PennyMac has erroneously claimed on 3 separate occasions that we have failed to insure our mortgaged property at XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. On 2 prior occasions we have provided proof of insurance and on both occasions they have attempted to charge us for exorbitant insurance, which obviously, we refused to pay. Now, they are erroneously claiming for a 3rd time that we did not have insurance in XXXX ( including several months prior to them servicing the loan! ) and they are now attempting to charge us for {$4400.00} for Insurance Escrow when our insurance is already paid in full for the entire year expiring on XXXX/XXXX/XXXX. Today, we are sending them for the 3rd time, proof of insurance from XXXX XXXX XXXX XXXX covering the period XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. Please stop PennyMac from this continuous harassment and require them to correct their records. Additionally, our loan documents specifically demonstrate that there is NO ESCROW money required. Thank you, XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: BlueChip Financial
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
this is spotloan which is another predatory type loan sucks you in and cost way more then it should. I have already pay to date XXXX and still have at least XXXX payments leave. it sounds good at first because it is a low amount they take out every two weeks but it is not a good loan. can not pay back at one time so that is where they hurt you on the loan. they charge for there loans 450 % of loan with payments XXXX over lenth of time. can they do that. i now know better on these loans but at the time did not know and needed the money due to finance issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I submitted an application to my lender, Nelnet, to repay my loans according to my income. I submitted all of the proof of income information required with the application, STAPLED to the application. Weeks later Nelnet emailed me requesting all the information that I had already supplied, I am basically homeless, getting check copies and applications printed out was an enormous task in the first place, and to have them ignore the fact that I had ALREADY provided the required information caused me to lose confidence in the process. I had XXXX major surgeries last year, and have never been able to acquire a full time salaried position after graduation in 2007, even though I have a XXXX degree. I was evicted from my home last year after my first XXXX, an XXXX, everything I own is in a storage unit. I am barely surviving in my current circumstances, getting my student loans on a fair payment plan is critical to my future. I do n't have faith in my lender to do right by me, so I have basically given up. I feel as if I am buried in a very deep hole and there is no way to get out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Last XXXX 2015 I filed a RESPA request with Chase see attached, and still it has not been responded to. I believe that my Consumer Rights have been denied ; AGAIN with this bank!! that is adament to foreclosing on me while keeping me unable to obtain my rights under our laws of the United States RESPA act. All of my complaints as of so far are essentially been ignored with the same responses from Chase that they refuse to acknowledge me as an American Citizen with RIGHTS!!!! I will not be foreclosed on by being kept from obtaining my rights!! to allow Chase to continue to abuse and rob me for its own financial gain!!! I demand this RESPA be responded to or I will be forced to approach our court of law to be acknowledged of this legal request!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: Siggi LLC
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I Have had several things added on my credit due to identity theft and this is one of them. I have tried to talk to this company and solve the problem with them, but there has been no budge. I did not open this account and feel that it is wrong that i continue to suffer for it. Please resolve this immediately.

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