BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-11
Company: JPMORGAN CHASE & CO.
State: MO
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:
You are a XXXX XXXX who cant read and you should be fired. Instead of removing the inquiry from my credit report you are choosing to be negligent and I will sue you in federal court for this. You should reference XXXX v. XXXX XXXX and see how much they have paid in attorney fees against me. You are ignorant, XXXX and the definition of petty. You state yourself WE TRIED CALLING YOU ON XX/XX/2018, TO GO OVER THIS INFORMATION, BUT WE WERE UNABLE TO REACH YOU. That is because you didn't have authorization to run my credit anyway and that is why it needs to be removed. You XXXX   XXXX if the inquiry was from me dont you think I would have answered? You XXXX! And I am not worried about calling you names, lets not forget our president calls XXXX football players XXXX XXXX XXXX XXXX so thats exactly what I think Chase bank is, a XXXX  XXXX for leaving a inquiry on my report which accounts for 10 % that is not mine. You will pay for this since you choose not to remove it you XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I received a letter from XXXX XXXX first advising that due to change in credit score decreasing credit limit. XXXX XXXX just sent the exact letter that XXXX XXXX sent with a credit score of XXXX. It appears that Equifax is the credit reporting agency. XXXX has advised that there has been no suspicious activity however Equifax has continued to report out this wrong information. I do have a copy of credit report from XXXX which does not show anything to support this low score from Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07
Company: Santander Consumer USA Holdings Inc.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I took out an auto loan in XX/XX/2019. Ive consistently made payments toward the loan for the life of it so far. However, Ive noticed throughout these payments, usually made first thing in the morning on a Friday, that payments are not applied until 3-4 days, sometimes 5 or more days later. With a very high interest rate, Im concerned about all of the interest the late application of payment adds up to over time. The company my loan is financed through is Santander Consumer USA. Ive already paid half the value of the initial loan amount, yet nearly the entire principal amount remains to be paid. Statement details are extremely vague and clear answers from customer service on how this process works have been impossible to obtain.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to report multiple violatoins to the FCRA and to my rights as a consumer. Back in XX/XX/XXXX. I sent them a request for a debt validation which they ignored. 

I am demanding a deletion letter and the following item to be removed of my credit reports : WELLS FARGO BANK XXXX, opened XX/XX/XXXX, limit {$300.00}. Balance {$110.00}. 

If Wells fargo denies my request, I will take this to court, since they are commiting defamation of character and I am havin high levels of stress because of this issue. They have not even investigated or marked the account as disputed. It is my right to have this item removed, since they were unable to validate the debt reported under my name. 

Please send the attached documents to Wells Fargo. 

Thank you!

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 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to purchase my first home and I decided to go through a first-time homeowner 's program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX  XXXX {$220.00} XXXX  XXXX {$1400.00} XXXX  XXXX {$140.00} XXXX XXXX XXXX {$570.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Capio Partners, LLC
State: GA
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:
a collection letter as sent to me from asset care llc and a derogatory mark was listed on my credit file with credit check total. when I researched this company because I never had a account with them I found that the account was transferred or sold which makes me no longer responsible for this account. Debtors creditor did not verify this collection. Also there was NO written form of communication, contract, or written signature for this accused debt. Sending me a bill with no signature or contact does not validate this debt, Anyone can send a bill to someone and say its there's. According to the FCRA, Asset Care LLC HAS VIOLATED MY RIGHTS as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to an amount of things on my credit that are not mine. I need those items removed as soon as possible please. 

XXXX XXXX XXXX {$300.00}

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 2016-08-16
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX unjustly report at me late I sent evidence from freedom mortgage to the credit bureau showing that I had made my payment on time they refused to take it out of my credit report stating that XXXX does n't want to remove it so they 're unwilling to remove it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-16
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My ex-husband remarried and his new wife 's name is XXXX XXXX XXXX. They lived in the same house he and I lived in 6 years ago. For the past 2+ years Equifax has been allowing her negative accounts to go onto my credit report. I have contacted them numerous times about making the companies provide the middle name and social before placing on my report. They keep telling me to file dispute after dispute and contact said companies myself. I was under the impression that credit reports were secure and no one else would have access to my information. Equifax is the only XXXX of the XXXX companies that allow inaccurate information on my report. I am also worried that my account information is being placed on her report giving her access to my financial information. Is there any action I can take to force them to stop allowing the erroneous information on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
For the past several months, I have received billing notices to pay for a credit card which I did not request or authorize. 
Today, XX/XX/2016, I received another notice from Wells-Fargo that my account " remains past due '' This account was fraudulently issued. I have never requested nor authorized this credit card account to be est

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 2017-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I asked for a specific XXXX XXXX account to be deleted from my credit profile but instead Transunion deleted all of my XXXX XXXX accounts. So i 'm now requesting Transunion to reinsert only the XXXX XXXX accounts that i list. Here are the exact XXXX XXXX accounts to be reinserted. 
1. XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX Bank XXXX XXXXAccount # XXXX Thank you!

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 2017-03-31
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
First of all Cash Central initially opened the account without my knowledge and deposited money into my account. After they bribed me to keep the loan with a lower fee, I eventually took out an installment loan and decided to stop the ACH payments and would pay with other means. I emailed them on XX/XX/XXXX, with no response. I have emailed them in the past with no issues, they have also emailed me with no issues. They proceeded to take out my payment anyways and so I called to resolve the issue and they hung up on me 2 times. I also attempted to chat and they just said for me to call the number. They have not held up to the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I called and spoke with a Nelnet representative on XX/XX/2022 regarding my student loan. I was confused when I logged in and saw that my loans showed a XXXX balance with Nelnet showing that they received a payment on XX/XX/2022. I called Nelnet to inquire about the status of my loans and was informed by the representative XXXX that my loans had been paid in full and forgiven under the PSLF. I inquires and ask her multiple times to be certain since I informed her that I thought my loans were being transferred to XXXX. I repeated several times, are you sure? I couldn't believe what I was hearing and started to cry. She assured me that my loans indeed had been forgiven, and that was factual. She said she was sure. When I got off the phone, I called my mom and family to inform them of the update. I decided to call back on XX/XX/2022 to check again. When I inquired this time, a representative told me that my loan had not been forgiven but paid off and transferred to XXXX. I was devastated. I ask to speak with a supervisor and was informed that a complaint was being filed against the representative to be corrected. The defamation and willful injury my family and I have experienced are tremendous -To find out my loans have not been forgiven through Public Service Loan Forgiveness was emotionally and mentally devastating. The representative told me I had nothing to worry about my loans were no longer I now had financial relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have made four inquiries to Wells Fargo Home Mortgage, following proper Federal Rules of Civil Procedures to produce proof of claim/validation of debt against me and my property. However, Wells Fargo Home Mortgage has failed to provide the proof requested point for point as required by law. Notified on XXXX XXXX, XXXX, certified letter receipt number : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, certified letter receipt numbers : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, certified letter receipt numbers : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX, certified letter receipt numbers : XXXX XXXX XXXX XXXX XXXX. 
Wells Fargo Home Mortgage has defaulted and has not been able to prove they can enforce this mortgage and can not secure it by the real property currently being used as collateral since Wells Fargo is not in possession of the original wet-ink note signed by me - the borrower and sole owner of the property and title. I have reason to believe the note was sold under " mortgage backed securities, '' to investors under a pooling interest. Wells Fargo failed to transfer the mortgage along with the note when the note was pooled and sold as a security opening a whole myriad of security violations under the Securities Act of XXXX and the Securities Exchange Act of XXXX most notably violation of Rule 10 ( b ) and 10 ( b ) ( 5 ). 
WELLS FARGO STATED THEY HAVE THE ORIGINAL ON FILE IN A LETTER DATED : XXXX XXXX, XXXX. HOWEVER, THIS IS MISREPRESENTATION!!!! THEY STATED OVER_THE_PHONE THEY DO NOT HAVE THE ORIGINAL WET-INK PROMISSORY NOTE. 
I mailed a 4th and Final Notice, NOTICE OF BANK DEFAULT, notifying them, their firm and bank and/or mortgage company claiming ownership of this alleged loan and note, that I am exercising my rights under the " Fair Debt Collections Practices Act '' as codified at 15 USC 1692, which stipulates that a debt collector must, if requested, provide validation of the alleged debt, i.e. validate the debt, per " The Fair Debt Collections Practices Act '', " FDCPA ''. 
As a remedy I am requesting a satisfaction of my mortgage. 
I also substituted the Trustee appointed to the morgtage dated XXXX XXXX, XXXX, & cancelled the power of attorney.

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 2019-05-11
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have, in the past, reported to Equifax and the other two Reporting agencies, that they have listed an address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ) which is not mine and never has been, but they continue to list that address as a past address. 

Equifax also lists two mortgages, we only have one for {$250000.00} with XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX accounts on my credit report. I was never notified of debt prior to posting to credit report. I have filed complaints against both company 's. XXXX XXXX and XXXX should be deleted to 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 2015-07-19
Company: Machol & Johannes, LLC
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Recently, I read that you are investigating complaints against XXXX Bank. In XX/XX/XXXX I was going to file Chapter XXXX bankruptcy, which included XXXX XXXX XXXX card, but I decided not to continue with the bankruptcy. Due to that, XXXX stopped sending me statements. Then in XX/XX/XXXX I received a letter stating that a debt collector had put a lien on my house due to the debt owed to XXXX bank. I contacted the Debt collector and I agreed to pay them {$100.00} a month til the debt was repaid. The problem is that they charge me 8 % interest on the balance. The debt Collector said that I owe them {$12000.00}. I have paid them {$100.00} a month since XX/XX/XXXX, and they said I still owe them {$11000.00}. At this rate I will never pay them off. I have tried to refinance my mortgage but because of the lien from XXXX Bank and the debt collector 's refusal to subordinate, I ca n't refinance my home. I am XXXX years old and live on retirement pay. It would help a lot financially to have a lower interest rate on my mortgage. The debt collector is Machol & Johannes, LLC., XXXX XXXX XXXX, XXXX , CO XXXX, XXXX. I want them to remove the lien on my home and to discontinue charging me 8 % interest. I have no problem in continuing to pay them the {$100.00} a month until paid in full, or to reach a payoff settlement. I can manage to come up with {$4000.00} for a settlement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX they started calling a number that was not my primary number. Then they started calling my references before they tried calling me. They also use a different number every time they call me. XXXX, XXXX, XXXX. This is just XXXX of them. They are getting more aggressive each time they call. They have called XXXX times today alone. I get paid XXXX a month they know this. I ca n't pay until next month. There is nothing else I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Other service issues

Complaint:
On XXXX I transferred money over the internet using my credit via Western Union ( WU ). 
The recipient 's destination country was the XXXX of XXXX and XXXX XXXX XXXX XXXX. Total transfer was XXXX {$300.00} and the related transfer fee was XXXX {$8.00}. 
Today, XXXX ( less than 2 months later ), I attempted to repeat the transaction. The associated fee is now XXXX {$27.00} ( almost a 400 % increase. ) I reached out to customer service ( CS ). While on hold the hold-music reiterated the {$8.00} fee for XXXX, XXXX XXXX and the XXXX. Various agents in CS referred me to Corporate Headquarters ( XXXX XXXX ) who is checking XXXX. 
Unfortunately, WU may be providing false advertising and manipulating prices unfairly. Can you check into this and advise? 
Thanks XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX m : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
It had been reported to all three credit bureaus that I have been late 60 days on the account. I have never been late nor have I been issued a late fee for being late. I contacted customer service for XXXX XXXX   and they confirmed all my payments by date and no late fees where issued on any of my statements, but still it has been reported as late on all credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit card company is showing my account as 30 and 60 days late payment it is showing during a time when my account was showing as not being reported.

I was never late with my payments. I tried contacting the company but they did not do anything to resolve the issue. My account number is not showing on the account and they said they can't give it to me because of confidential reasons so I don't have the account number and it is not showing up on the report. The account is closed because I have not been using this account.

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 2016-05-24
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was recently sold back to XXXX XXXX XXXX. Bay view loan servicing decided to add XXXX cents onto my loan under XXXX advance without notification or any explanation. They just sneakily applied it to my loan. XXXX XXXX XXXX than decides to add that to my loan payment and says I owe that much. First off let me say I am disputing all of those charges. I phoned bayview and they advised me all it says is its for litigation ... ..I have no litigation and it was added conveniently to my loan in XXXX XXXX ' to the time it was transferred in XXXX XXXX. I had no notice of it I was just paying my monthly mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: American Recovery Service Incorporated
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled this debt in full on XXXX/XXXX/15 after a settlement agreement was reached. I was told the lien would be removed from my home and 42 days layer the lien is still in place and I continue to show a balance with this company. ARSI is the debt collector and XXXX was the original creditor. I will upload receipts and emails and the settlement offer indicating this debt is paid in full

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation