BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-09
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX   XXXX   XXXX    the pretender lender loan servicer, its shady incompetent delusional robo-employees on the upper crooked floor division, and its lawyers on the crooked bonus division committed fraud against me for years attempting to steal my home, pushing me around making threats with the loss of my home using fraudulent foreclosure and fraudulent trustee sales. The pretender lender loan servicer has clouded up my title frozen all my equity and ruined my credit by placing fraudulent incorrect information on all  XXXX  major credit reporting agencies for years. I know its been a complete waist of time filing consumer complaints against the pretender lender loan servicer because its employee  XXXX   XXXX  on the crooked floor division is trained to respond to all my CFPB consumer complaints using her  XXXX  spin-pin-tool not to admit  XXXX  dark secret white collar crimes cover-ups, and that 's exactly what it is, its nothing less that. After the pretender lender loan servicer used its cozy relationship with  XXXX  as a weapon against me leaving me with no options to save my home from fraudulent trustee sale, only leaving me  only one opt ion to either sign the increased none negotiable loan modification or lose my family home I own free and clear. I have repeatedly told  XXXX   XXXX  that my attorney will be filing a major lawsuit against the pretender lender loan servicer in the coming days, and that the payoff evidence and witnesses will take place in a court a law or in law enforcement agencies. I was advised not provide the pretender lender servicer incompetent delusional employees on the upper crooked floor division and its lawyers on the crooked floor bonus division any evidence. The courts and the authorities have access to the evidence at anytime.

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 2017-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX   XXXX   XXXX  the pretender lender loan servicer, its shady incompetent delusional robo-employees on the upper crooked floor division, and its lawyers on the crooked bonus division committed fraud against me for years attempting to steal my home, pushing me around making threats with the loss of my home using fraudulent foreclosure and fraudulent trustee sales. The pretender lender loan servicer has clouded up my title frozen all my equity and ruined my credit by placing fraudulent incorrect information on all  XXXX  major credit reporting agencies for years. I know its been a complete waist of time filing consumer complaints against the pretender lender loan servicer because its employee  XXXX   XXXX  on the crooked floor division is trained to respond to all my CFPB consumer complaints using her  XXXX  spin-pin-tool not to admit  XXXX  dark secret white collar crimes cover-ups, and that 's exactly what it is, its nothing less that. After the pretender lender loan servicer used its cozy relationship with  XXXX  as a weapon against me leaving me with no options to save my home from fraudulent trustee sale, only leaving me only  one  option to either sign the increased none negotiable loan modification or lose my family home I own free and clear. I have repeatedly told  XXXX   XXXX  that my attorney will be filing a major lawsuit against the pretender lender loan servicer in the coming days, and that the payoff evidence and witnesses will take place in a court a law or in law enforcement agencies. I was advised not provide the pretender lender servicer incompetent delusional employees on the upper crooked floor division and its lawyers on the crooked floor bonus division any evidence. The courts and the authorities have access to the evidence at anytime.

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 2016-05-28
Company: ALLY FINANCIAL INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a car loan with Ally financial since XX/XX/XXXX never late on any payments. My car was a total loss due to flooding that occurred on XXXX/XXXX/XXXX and auto insurance total the car the following week. I called Ally I explain the rep my car was total loss " what do I need to do '' she mention that I needed to contact my insurance. I specifically ask about the payments and she stated car was total so the insurance will contact them, My payment was due on XXXX/XXXX/XXXX. Ally Reported my account to the credit bureau as delinquent. I called Ally multiple times from the collections department to the total loss claims no one has been able to explain to me why if the car was a total loss and my insurance will cover and also have GAP insurance why the account was reported as delinquent. I did not received any calls from Ally or any third party collections agency in behalf of Ally or any documents via mail or email on regards of the account been late, I had set online access to make my monthly payments but after I reported to Ally the total loss the account was remove and I do n't have access to see the status of the account until my credit report send me an alert about XXXX account being delinquent, I have not been able to get an answer from no one at ally but " system generated a report every 30 days after the account is late, so the report is send every 30 days by a computer '' It do n't make sense to me and now I 'm delinquent 60 days I have called multiple times and a supervisor requested me to submit a payment to cover the 2 months and he will try to see if they can remove the delinquent report from my credit. This is not fair treatment to a customer, I was mislead with incorrect information, I trusted them with my situation and believed was been handle in a professional way. Is very overwhelming losing my car in a flood and now my credit has a delinquent 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 2017-05-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On or aroun d  XXXX - XXXX -17 I  called  XXXX  ( home equity loan ) to see if my auto draft payment of  XXXX  could be moved from   XXXX - XXXX -17 to  XXXX - XXXX -17. I  was told my  Loan has  been sold to  Select Portfolio  Services. I was told I would not incur any fines or fees during the transition and that it would probably be abo ut 2 weeks  befor e SPS  would contact me and not to worry about the payment. I looked them up immediately and decided I was going to help all the people they are currently ruining their lives.     I received the first letter from them on or around   XX/XX/XXXX . The letter is dated  XXXX - XXXX -17. The  letter asked for my and my wife 's SS number. I attached the letters. I called your office and spoke to  XXXX . I asked if I was obligated to send personnel information to them. She could not locate an answer but was very nice and aware of SPS and their fraudulent activity. I told her I would start a complaint but decided to wait until they tried it on me.     I recieved a " Hel lo Letter  " dated   XX/XX/XXXX  that o utlined my account. Yesterday I called SPS for the first time and spoke to  XXXX   XXXX . I wanted to know what the Unapplied fees were and why they were added to my mortgage payment. She somewhat explained that it was probably over payments from   XXXX   and I could use it towards my monthly payments or my late payments. I asked what late payment. She said I had a payment du e on  XXXX - XXXX -17 for  some  XXXX  dollars. I advised my first letter was dated   XXXX - XXXX -17 a nd no where on the welcome letter does it say I have a late payment. Right from the start they are playing a game to get my house. what should I do next

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I recently opened a Wells Fargo credit card and am experiencing difficulty making payments to the card online. I have made four payments from a non-Wells Fargo account and I discovered this is Wells Fargos limit for making payments from a non-wells Fargo deposit account and Wells Fargo wont allow me to make anymore payments online this month. They offered me the option of paying over the phone or opening a Wells Fargo deposit account. This is an inappropriate restriction on consumers and appears to be a potential ploy for Wells Fargo to have consumers open deposit accounts with them. It is not fair to consumers to restrict consumers making payments and potentially leads to possible debt issues down the line. Wells Fargo has terrible customer service and will pursue closing my credit card.

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 2016-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have disputed all inquries on my credit report with Trans Union and have not received any response with them. Clearly outside my legal 30 day response time per FCRA.

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 2017-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an account listed on my credit report  XXXX   XXXX  that 's suppose to be closed it 's closed on my other  XXXX  credit reporting agencies reports. Its been closed and charged off since  XXXX   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 explanation
Consumer complaint received 2017-05-09
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I have sent  XXXX  written request to Experian requesting the removal of the listed unverified items. They have failed to send me copies of the documents that they used to verify the disputed accounts. They have failed to delete the disputed accounts that they did n ot verify. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can n ot be verified. I am requesting deletion of all disputed accounts which they did not verify.

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 2016-08-03
Company: JPMORGAN CHASE & CO.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
on XX/XX/2016 I went online and purchased an auto part for a car repair. I called the online company later that day to cancel the order they told me that it would take 2 to 3 business days for the credit to hit my account. On XX/XX/2016 I checked my account online and I noticed the charge for the part as I scrolled down to XX/XX/2016 I noticed the credit back into my account so I contacted Chase and asked the representative why is the credit to my account being offset by the charge? He said this is the way chase post a credit into the account. I said it 's basic math that a negative and positive gives you XXXX so where is the credit back into my account. He of course says it was done on the day of the charge but if on that day my account had XXXX dollars and the part cost XXXX then my balance would be XXXX so if I cancel the part then I should see XXXX credit back to my account. But that 's not what happened Chase is inflating my balance with the credit with the retailer cancelling the charge by offsetting the charge so it 's a wash like nothing happened but there is no credit back to me. Chase is back posting which is not correct the posting ledger should work in real time not posting credits and debits based on their best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX I requested to close account in XX/XX/XXXX to the district manager. Still open with late history now reported. 

XXXX 2015, I requested to close my comenity credit line.The account showed closed by consumer and then reported open and late history has been added to the closed account that shows open. 
I am attaching my bureau with this complaint. I also have highlighted illegal credit inquiries on my report to date. I never authorized for these companies to pull my credit and never disclosed my personal Social Security number and place of employment. Whoever sent this information to these companies, has given my information without my consent and or knowledge. 
XXXX XXXX regional manager has called all of my personal references on my application more than 10 times and released private information about my account prior to me asking for the account to be closed. They to date still call.

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 2015-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Denies that i have any bank accounts and has not updated my addresses in the last two years. The bank account is the same bank account from 2002

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09
Company: EQUIFAX, INC.
State: MD
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:
On my Equifax report are unauthorized credit inquiries in which I called the companies who reported them majority of them besides  XXXX  which did remove it said they ca n't not because I do n't have an account with them and that it 's no way for me them to find me. So I called Equifax since they are the ones who told me to call the companies, I told them what the companies stated. Even though I am telling Equifax that I did n't authorize the following Credit Inquires they keep telling me that they are factual even after I placed a fraud alert on my credit. How can you say something is factual when I am the person who credit report they are on and I 'm telling you that they are not I did everything you told me to do the fraud alert contact the companies who made them and still you will not remove them.     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 2016-01-29
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
My daughter received a phone call today from a XXXX XXXX, XXXX XXXX XXXX ext. XXXX, stating he was looking for my other daughter, the alleged debtor. He disclosed how much the debt was, where it originated from and made threatening comments such as : " We are going to seize her tax refund '' " We are investigating her for criminal fraud '' " We know where she lives and are sending someone to serve her '' " We know where she works and are angry with them '' " We are taking you to court for fraud '' I called the company and spoke with XXXX, letting him know he was violating debt collection laws. He stated he did not have time for games and refused to acknowledge his illegal actions. He demanded to know where my daughter was. He refused to provide his last name and hung up on me. I called back and spoke with him again and he hung up on me. I called back a third time and spoke with someone in compliance and was told his name was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello Cfpb, I 'm yet complaining again simply b/c I feel like the process is being dragged out and that Transunion is not taking my file serious enough. I 've sent XXXX separate letters certified to them stating my claim and showing the ID crime report, providing drivers license, etc and I still have XXXX, still have credit acceptance, still have some large XXXX apartment complex, and some child suppport thing out of michigan?!? .. I would laugh because of the last XXXX ... My name is XXXX XXXX and what the police thought is that someone with a similair name is getting tagged to me.. not sure how the system works entirely but I need to get this handled asap. 2017 I do n't want to be messing with this ... I will if i have to but I 'd rather not. I did see a TXU light bill show up as well which to Transunions defense they have not had it brought to their attention. When I contact these places they simply instruct me to pay settlement and I refuse I 've compiled dates and responses that I can upload if needed if it will show my initiative. thank you, 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 non-monetary relief
Consumer complaint received 2015-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I voluntarily froze my Transunion credit report in XXXX 2015. I lifted the credit freeze on XXXX XXXX, 2015 providing all information including the PIN and received a confirmation from Transunion Credit Security Freeze regarding lifting the freeze. The fee for this Transunion service was processed and accepted by my credit card. On XXXX XXXX, 2015 my credit was checked through Transunion by a company that is doing a credit background check. The check is for an apartment lease. Afterwards this company reported back to me that my credit report was still frozen and could not access it according to their Transunion representative. The company tried rerunning my credit numerous times afterwards and the last time being today, XXXX XXXX, 2015, without success. I contacted Transunion Customer Service, and they stated that I needed to contact Transunion Credit Security Freeze and repeat the lifting of the freeze until the freeze was lifted. I called Transunion Fraud Alert getting the number from Transunion Customer Service earlier today, XXXX XXXX, 2015, and Transunion Fraud Alert stated that the credit freeze was lifted on XXXX XXXX, 2015. Also earlier today, XXXX XXXX, 2015, the Transunion representative for the company checking my credit, stated that the company is to continue to check my credit every day until it works. Bottom line, Transunion has destroyed my credit because of their inability to release my information. I hope this major problem is fixed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-27
Company: ALLY FINANCIAL INC.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
We own a XXXX Buick Encore & the check engine light has come on for the second time. The tac meter is sticking & the gas pedal does n't want to accelerate. I worry that when i am trying to press on the gas pedal the car will just fly forward when I am trying to get it to go & cause an accident. The dealer can not figure out what it is??? Should this car be recalled for this? If any one else is having this issue??

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 2017-05-09
Company: Eagle Accounts Group, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Never received letter notification of debt. I found out about the debt after receiving paperwork  from county  sherriff for lawsuit filed in  my county . Had communication with  XXXX  at  Eagle Accounts Group  and she did not disclose that she was a debt collector nor that it was an attempt to collect a debt. FDCPA violation  807 ( 11  ). I do have the conversation recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX   XXXX , i have received some documentation from aspire.     however, i have NOT received what i am requesting.     the information is NOT in chronological order.     the information does NOT contain a complete breakdown and explanation of fees charged, etc.     i find it interesting, that you suggest i contact companies that are either ones that aspire acquired and/or are no longer in business.     i have attempted repeatedly, to get assistance from the customer service department about my loan, all to zero avail.     i completely dispute the amount you are reporting or reported that i owe.

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