BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I signed a HELOC agreement for {$150000.00} from XXXX XXXX XXXX Loans. For two years, I made regular monthly payments in the amount of over {$1000.00}. Unfortunately, in XXXX, during the recession, our small business was hit hard. Between trying to make the first mortgage payments, keeping the business afloat, and providing for my family, I couldn't afford the payments to the second mortgage company. I didn't hear from them for 12 years while my house was upside down, and during the COVID crisis now, a company called Specialized Loan Servicing ( SLS ) sent me many intimidating phone calls and emails for an amount of {$200000.00}. 

In XX/XX/XXXX, we were notified that a sale date had been set for our home for XX/XX/XXXX. We contacted many different organizations and entities to help us resolve the issue and stop the foreclosure. During one of these conversations, while also on the phone with XXXX, just one week before the house was to be sold, we were notified while on that call that the foreclosure proceedings had stopped. We immediately contacted XXXX to find an answer to why the proceedings had stopped and the status of our situation. Unfortunately, we never got an explanation or answer to the matter. 

Now, almost a year later and after attempts to get a loan modification, which was not feasible due to the {$60000.00} down payment XXXX requested, and a loan refinancing interest rate three times higher than my current first mortgage interest rate, they issued an auction date at the county courthouse for XX/XX/XXXX. We did not receive the filing of the notice for sale until XX/XX/XXXX at XXXX, more than a week after the notice was filed by XXXX XXXX XXXX and Certified Mail by USPS XXXX 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 2022-09-29
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022 my credit card information was taken by a phishing scam website XXXX  and a charge of {$850.00} was placed on my American express credit card. It is immediately noticed because the payment was processed through Stripe although the website pretend to setup a XXXX account. It was immediately reported to American Express customer service as fraudulent, and requested to secure my account my account by changing the card number to block future transactions. Reports were filed with reportfraud.ftc.gov ( Report number : XXXX ), FBI XXXX XXXX XXXX XXXX ( XXXX ), XXXX and Stripe which hosted and processed the transaction, in the following days. I submitted all evidences of fraud, including the fake billing address/phone number in the XXXX from XXXX transaction XXXX on American Express XXXX XXXX XXXX  XXXX XXXX : XXXX On XX/XX/2022 I received an email about the charge being reversed and credited to my account. There is no other postal mail/email received from American Express after this date. 

In conclusion : 1. American Express did not look at the evidence of a fraudulent transaction throughly 2. American Express did not notify me promptly about the reversal of the charge either in postal mail or email with a broken email system 3. American Express did not send me the denial letter or the evidence document upon requested In XX/XX/2022 I discovered I was actually charged again. Upon calling American Express customer service I was told I was rebilled on XX/XX/XXXX because the scammer submitted fabricated evidence that I ordered and was shipped a certain item, and my cancellation was invalid ( It did not happen, it was stated clearly to American Express it is a fraud, there are fake addresses and contact information, and cancellation of a non-existing order was not possible ). While requesting both the denial letter and evidence document from the scammer through verbal request or email, American Express did not send me anything. Indeed I told American Express their automatic emailing system by customer service is broken and every-time the representative promised he/she just sent me something, it was never received.

American Express refused to re-open the dispute. Upon contacting their Executive Office through emailing the CEO American Express insist they have already did the investigation ( despite the clear evidence this was a fraudulent transaction ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: MD
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  accounts 1 ). # 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 XXXX XXXX XXXX ). # XXXX XXXX XXXX XXXX XXXX XXXX ). # XXXX XXXX  XXXX XXXX ). # XXXX XXXX, XXXX ) > # XXXX XXXX XXXX XXXX 15 usc 1681 section 602 states that I have the right to privacy 15 usc 1681 section 604 and section 2 it also state a consumer reporting agency can not furnish your account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On tuesday XX/XX/2020, I was scammed out of all my money. I was called by this scammer who posed as a government official who said my identity had been stolen and in my name there are many properties and bank accounts and even criminal activity. I was told that all the accounts would be frozen and I had to pull my money out and convert to digital data through gift cards. I went to my Chase bank in XXXX. I said I needed {$20000.00}. They said they could only give me {$10000.00} and they called the Chase on the XXXX  side of XXXX and told then I would be coming to withdraw the remaining {$10000.00}. The scammer was listening to all the conversations. I went to the easy XXXX Chase bank and asked for {$20000.00}. The women said she was told {$10000.00} but would go ahead and give me the {$20000.00}. I pulled a total of {$30000.00} out of my account in 1 day and lost it all to the gift cards. Looking back, the bank should not have allowed me to pull that much out in such a short period of time in case of these types of scams where and individual is under duress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Tried to open account with wells fargo online. Completed the process and got an email that due to fraud they believed they are closing the account. BUT they took the money out of the linked chase account. The chase account was deducted {$500.00}. Wells fargo shows {$0.00} balance. 3 hours of calls and still no money back from wells fargo, no one knows the right department and I am now ~1 week without my {$500.00}. If they dont want my account fine but dont take the money to fund the new account then decline it and fail to return the money.

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 2021-01-17
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: Was not notified of investigation status or results

Complaint:
Hello, I am XXXX XXXX, XXXX years old, who doesn't know XXXX. I submitted a complaint on XX/XX/2020, complaint number XXXX. Until today I have not gotten a response. And on XX/XX/2020, I wrote another complaint, with the complaint number XXXX. 
And the third complaint, I submitted on XX/XX/2020, with the complaint number XXXX. 
On the first complaint you promised that I will get a response until the XX/XX/XXXX. Until today I have not gotten any response from you. 
On your response to my latest complaint said I can go into the website, or call you. 
If I call you, I do not know XXXX  ( and you know this, and you are not bringing a translator on the line ). 
On your website, it says that the complaint is closed and unable to be opened. Why are you toying with the citizens so much? 
Why are you always telling stories and legends in your responses? 
Are you embarrassed that your answers will be published? 
In your last response, again you wrote that on the XXXX of XXXX a letter was sent out to me. 
And again, why all of this toying? I was supposed to get your response a long time ago. 
I request immediately your response to my email, XXXX, even though you already have my email. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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  accounts 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 XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX XXXX  XXXX ). # XXXX XXXX  XXXX XXXX ). # XXXX XXXX, XXXX ) > # XXXX XXXX XXXX XXXX 15 usc 1681 section 602 states that I have the right to privacy 15 usc 1681 section 604 and section 2 it also state a consumer reporting agency can not furnish your account without my written instructions.

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 2022-12-13
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:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX  XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2022-12-13
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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: PENNYMAC LOAN SERVICES, LLC.
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have a XXXX student loan serviced by XXXX since XXXX of 2022. I XXXX XXXX from the XXXX at that time and applied for and received an XXXX XXXX. This strangely only lasted for two months and ended on XX/XX/XXXX. My account then became due without my knowledge. XXXX did not attempt to call me until XX/XX/XXXX. They did not leave a voicemail until XX/XX/XXXX and it was the only one they ever left me. XXXX was not made until XX/XX/XXXX at which time I paid my due in full. They then proceeded to report my account as late to multiple credit bureaus anyways. I have since repeatedly contacted them and they refuse to consider my account as current despite my payment. I believe they were negligent in their duty of care to me as a debtor. Their efforts to contact me were insufficient and have now caused me serious financial harms as my credit has been severally adversely affected.

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 2020-04-17
Company: CITIBANK, N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a Best Buy card to get financing on a computer I am purchasing for my home business. The card was advertised as having 24 months of interest free payments, and users would get 10 % off their first purchase. I applied and received notification that I would need to call, then the number that was provided would not let me get past the automated system without an account number which I didn't have as my application was in limbo. When I was finally able to speak with someone she approved my application and I opted for a store specific credit card since I only wanted to use it for financing this one purchase. When I went back to my cart to check out I was only given an option of 6 or 12 month financing with the card and there was no mention of getting 10 % off. When I called again I was told that " usually '' the offer is " up to 10 % back in rewards '' and according to the purchase in my cart I was eligible for 5 % back which would be {$60.00}. Had I known all of this at the beginning I would have  financed with XXXX because ultimately I would have had a longer period over which to pay and my monthly payment would have been less. This is a bait and switch, and I'm very upset. I'm currently waiting on a callback from the company, after having been on hold for 2 hours yesterday.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-29
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I have a ldw ( loss damage waiver coverage and Gap insurance with Lobel Financial since XX/XX/XXXX i first financed my vehicle I've had this vehicle 1yr 10 months i am so close to paying it off. Car accident of My car was hit and ran i was not at fault on XX/XX/XXXX i submitted my police report to the company. After calling then endlessly and being hung up on multiple times vu the company 's Claims customer service rep, they eventually sen out an appraiser Two days later XX/XX/XXXX, she tokd me they'll have my repot the same day. I erged them to please expedite the process due to this situation holding me back from obtaining another loan for a vehicle because i do need to get to work with stable transportation. However i gabe them a call today XX/XX/XXXX amd was told the appraisal report was not sent to them so i hung up with the representative amd called the appraisal representative myself amd she informed me that my appraisal report was indeed sent on the same day XX/XX/XXXX, so the compnay definitely have it. Why are they making me sufder prolonging my claim? If they don't want to handlr thesw ttpes of things maybe theu shouldn't be in this type of business or providing tne tyoe od services they are offering, poor customer service and they give me the run around and hang up in my face, denying me to speak with a manger, they treat me like i am doing something wrong, like they are punishing me through dragging my claim out and getting me back on the road. I aksed then will tbey ne repairing my vehicle or would they be totaling it out so that I'll know what u meed to do for now however they are not giving me any answers when it is my right to know. This is sad because there's no other way to get in contact with anyone else for this company. I am very exhausted and emotionally botgeres dealing with this type of treatment from this company is this hie they treat their customers something big has to be done about this. I need more resources for getting this business recognized for these foul and negligent acts against consumers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please reverse the late payments reported on the following accounts : XXXX   XXXX ; XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2022-12-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The Experian and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX CARD SER XXXX Open Date XX/XX/2014 Balance : {$0.00}

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 2022-09-29
Company: Central Portfolio Control Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Central portfolio control sent me a letter demanding payment of {$50.00}. They attached an invoice which showed the account has a {$0.00} balance. I pointed this out to them and they continue to harass me even though they have and sent back to me the invoice showing there is nothing due

Company response to consumer: Closed with explanation