BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
It has been over 16 years on a mortgage of 30 years that has repeatedly changed ownership of different companies that have all each gone bankrupt and my account payments have not been serviced and processed, correctly..I called Shellpoint to discuss this matter with them, and I was told that they had noone that could help and diverted me to a po box to submit complaints. There has been an error with servicing my loan by this company.and this company has furnished inaccurate information on my Mortgage Statement. I have paid on this loan over 16 years and the Principle and interest are not reflective of the current payment that I should be paying .I have pai the majority of interest on this loan and this Mortgage Company is taking over the interest due on the account due .The loan has never been evaluated to the revised principle and interest due, as of date.I am paying the wrong Principle and interest amounts for my monthly payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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 this creditor has violated my rights Under 15USC 1681 Section 602 stqtes I have the right to privacy Under 15 U.S.C 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions Under 15 U.S.C 1666B a creditor may not treat a payment on credit card account under an open and credit consumer plan as late for any purpose and I demand that all its listed below be deleted Under 15 U.S.C 1681 section 604 A Section 2 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.

Under 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The following inquiries need to be deleted/removed immediately from my credit profile : XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: MD
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:
There is an unpaid collection on my credit report from XXXX XXXX XXXX XXXX, which is in regards to an unpaid debt from XXXX XXXXXXXX XXXX XXXXXXXX in XXXX, MD. I have never lived or worked in any of the areas serviced by XXXX XXXX XXXX XXXX. This debt could not be mine. I submitted this information in a dispute to Equifax on XX/XX/2023 and received a result from Equifax on XX/XX/2023 stating that the debt is accurate. However, I was not provided any information as to how or why this debt could be accurate when I have never lived, worked, or done business in an area serviced by XXXX XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXXXXXX I went to Chase Bank in XXXX Indiana to obtain {$240.00} from my Business Account. The clerk & I had an argument & told me to get out of the branch. Next day,XXXX I went to a different Chase in XXXX XXXX Illinois to draw my {$240.00} from business account. Then, I tried to do bank transaction with my personal account, & I found out my account was not active. Branch manager called costumer service to find out & I was told that Chase Bank decided to closed my account & didnt want to do anymore business with me. I requested my for my funds but they said the bank will send me the funds in 7/10 business days. I called them again, I was told to go back any Chase bank & I will be a the branch manager discretion to give my funds {$5400.00} or not. Anyway I have told different versions by different employee but I never got my funds, a date, neither a reason why Chase close my account nor why I can draw my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Creditors' Service Bureau of Niles, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Another discrimination when they found out we're XXXX  and with unlawful detainer issue from our landlord who wrongfully evicted us and deny the federal help, we didn't get any chance to have habitable place to live, didn't return our deposits and credit check. {$260.00} for me and my wife {$120.00}, we needed that money badly I just wrongfully terminated.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-25
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: Information belongs to someone else

Complaint:
This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : 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 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 2023-07-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I made a settlement with portfolio recovery for an account that they illegally bought from XXXX  XXXX. This company has been stalking me since XXXXby requesting unauthorized inquiries on my credit report through XXXX credit bureaus, in which XXXX deleted all inquiries in order to hide a paper trail but I have the screenshots. The only reason I settled with portfolio recovery was to move the process along with a potential mortgage lender. Portfolio recovery along with XXXX is trying to extort more money out of mean by putting comments on my credit report like potentially negative and they also reported false information that I owe a remaining balance of XXXX. The letter I received state that the debt was paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: JPMORGAN CHASE & CO.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chase has been quietly doing " XXXX XXXX '' on the credit cards that I have made overpayments on. There are currently two incidents which happened recently. There was an overpayment of {$0.00} on my chase credit card ending in XXXX, and chase quietly did a debit adjustment of the {$0.00} on XX/XX/. I called chase about this " debit adjustment '' and they said it's a standard practice for chase to do these " debit adjustment '', and there is no way I will be refunded for this. 
The other incident was for overpayment of {$0.00} on my recently closed credit card account ending in XXXX. There was again a silent " XXXX XXXX '' made on XX/XX/ for the said amount. 
I do not believe this should be a standard nor ethical practice for credit card companies to do these " debit adjustments '' and not inform the card holders about this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear XXXX XXXX, Good day!! 

I'm sorry the banks took a hit because of XXXX XXXX Bank 's management failed to maintain a proper balance of loans versus depositors. This is an isolated case. I would expect Wells Fargo, a company founded in XXXX, to be more responsible and return my {$8300.00} of retirement money to a XXXX XXXX  citizen. I need to pay RENT and survival expenses here in XXXX. 

I called and left you several messages. I write e-mails. I have updated the attorney general, US Treasury Dept, CFPB, Social Security Admin, etc..All inquiries are ignored. 

XXXX, you wrote you would return my money by XX/XX/2023. It has passed XX/XX/2023 to simply return my money from the Wells Fargo holding account to my savings account. It has now been 45 days since I was alerted to fraud by XXXX in XXXX. I have provided all contracts and details. 

I have opened an account here in XXXX XXXX, especially for wire transfers. 
XXXX XXXX XXXX XXXX XXXX. 

I opened an account at XXXX XXXX  with XXXX XXXX XXXX and the Executive Director. 

They are glad to help!!! 

Wells Fargo has been deterring my account withdrawals and closure for 1.5 years. 

This is an opportunity to send {$8300.00} ( currently help in your Wells Fargo holding accounts ) plus XXXX already in savings + brokerage account {$1600.00}. 

See attachment. Totaling {$10000.00} in current and liquid assets.

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 2022-09-20
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  account # 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 a account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This is my sixth attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. These accounts are unknown to me. Also, I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXXXXXX XXXX  XXXX Balance Owed : {$3000.00}

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 non-monetary relief
Consumer complaint received 2023-09-23
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello there, I initially sent this message with a previous report but PayPal responded and let me know that their issuing bank Synchrony Bank is the one reporting to the credit bureau. 
A little back story, I opened my PayPal Mastercard credit card sometime in XXXX of this year and I was told that my statement closing was the on the XXXX or XXXX of every month depending on how long the month was. On XX/XX/2023 Synchrony Bank/PayPal reported my balance of {$510.00} before my statement date for the month which was the XXXX of XX/XX/2023 and later corrected it the reduced balance ( never reached out to the bureaus ). Normally I pay down my balance before my statement hits ( I have 8 credit card and this is what I do for everyone of them and have had no issues with them ), I got notifications from XXXX XXXX, XXXX and XXXX that I had a high balance on my paypal. I immediately contacted paypal, told them about this and they apologized and promised to fix this issue. Its been over 60 days and this issue was never fixed on XXXX and XXXX. 
I lost XXXX points on XXXX and XXXX but XXXX fixed the issue the very next day. Every time I contact paypal about this issue its been one excuse or the other and not one person has been helpful, not even the manager or supervisors I have spoken to. In fact, the customer service has been really bad as Ive had PayPal CSR shout on me and place me on endless holds. Today XX/XX/ they did the exact same thing which took a huge toll on my credit scores on all bureaus except XXXX because it hasnt reported it yet but, Im sure thered be a ding on it as well. I am financially very responsible and do my very best to make sure my credit scores are excellent on every credit bureau, XXXX XXXX XXXX XXXX  Its just really frustrating and annoying when an organization is choosing to sabotage my hard work and at this point I dont know what to do. Id really appreciate it if something can be done about this since Synchrony bank/PayPal is completely incompetent and has refused to do their job. 
My XXXX XXXX XXXX  scores are a mess right now thanks to them. Id like for all the points I lost to be replaced to my scores. What is the point of having a statement date if they keep reporting to the credit bureaus whenever they please. It means in essence Im not supposed to use my credit card, whats the point of having one if they keep doing this.

Ive also attached a bunch of pictures and documents showing proof of everything I talked about, thank you so much for your help and I look forward to hearing from someone on the team. 
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 2023-03-28
Company: CCS Financial Services, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credit Collection Services reported a debt on my credit report that does not belong to me and never gave me the opportunity to dispute it prior to reporting. I've attached the police report for this fraudulent account to this complaint. I want the debt removed from my report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Solar Mosaic LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX based in TN has unfair and deceptive business practices. I signed an installation agreement for {$40000.00} in XX/XX/. Within a few weeks they installed the panels ( without getting approval from the county. They got approval AFTER the panels were installed ) and rewired our breaker box. This is when we started having problems. 2-3 mths passed without hearing from them. Techs would come out and spend the whole day without resolving the problem. One tech told me that the battery they use is faulty & the company is aware of it but continues to use it! In the meantime, payments were being taken out of my account by Mosaic even though they knew that the installation wasn't completed. I told XXXX XXXX that I wanted to cancel the agreement. They said that I had 3 days after signing the agreement to cancel. At this point, it was XXXX. I began to see several reviews from customers who had similar experiences. They quickly install the Solar panels and then months go by before you hear from them and there are technical problems they never get resolved. Solar Titan is no longer in business and is under investigation by the Attorney General of TN.Now Mosaic is demanding payment even though the panels are not functioning and they know that Solar Titan is under investigation. They have sent the debt to collections and is ruining my credit! I should not have to pay for a service that has not been rendered!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: HYUNDAI CAPITAL AMERICA
State: WI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My lease buyout payment with Kia Motor Finance/Hyundai Capital America was sent certified on XX/XX/23 and posted to my account on XX/XX/23 in the amount of {$18000.00}. I intend to sell my vehicle privately and have been delayed due to the poor service of KMF/HCA and a continued problem with releasing my title. I have been continually asked to submit an Odometer Disclosure Statement which I have now provided 5 times in total with XXXX resolution. I have spoke to three reps of KMF to get this resolved, including emailing the form directly to management whom assured me it would be posted within the hour. This did not happen. I have receipt of providing the form for two occasions. One for XX/XX/23 and one for XX/XX/23, attached. Remaining times Ive submitted the form were verbal receipts. I am losing resale value in my vehicle due to this negligence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Overdraft fees Money frozen Ive been charged way to much having a account with Wells Fargo and this needs to stop, because of this I dont like the banking system they are a bunch of corrupt crooks that get over on the middle class

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 2022-09-20
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Synchrony bank is giving me false and misleading information. They are showing that I have a available credit of {$8000.00} on my sams business credit card. The are not however allowing me to make a payment on the account nor actively use my credit card for everyday purchases

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had a Checking and Savings. They closed my savings and made it into a checking without my permission. Then they took the overdraft protection off my original checking account and starting charging me 35 overdraft fees for over a two years. At times I was paying over {$200.00} a month in over draft fees. I was told they notified me of the changes but I never got any mail or emails about the changes. And I was told I couldn't be refunded my 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 2023-04-12
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 {$760.00} was taken out of my Chime account because someone purchased a motorcycle. Apparently the motorcycle company was a scam because I called them and the number didnt exist. I made chime aware of all this and asked for my back. Chime refused and denied my dispute. I told them im a XXXX XXXX and that money was to help me get a car. When i asked for the investigation paperwork, i was give forged documentation by CHIME.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-25
Company: NAVY FEDERAL CREDIT UNION
State: VA
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 # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account agency can not furnish an account without my written instructions.

15 USC 1666N : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for a purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation