BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-13
Company: Risecredit, LLC
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I 'm putting this in writing so that it is on the record to go with the complaint the I have filed with the Consumer Financial Protection Bureau and the XXXX XXXX XXXX. I called the toll free number and spoke with some in your office, stated that I want my account closed and all information that I provided digitally shredded. I was told by your employee that they could not do this, that it was against the Fair Credit Act to do so. This is not true. So I have filed a complaint with the above agencies and I may also file a legal complaint in Federal court. I do not trust your company with my data and with all the data breaches there have been, for have information that there is no reason for you to still have as I will never do business with your company. Also make sure that I 'm put on the DO NOT CALL, MAIL, or EMAIL list. You need to digitally shred my banking information as you DO NOT have any legal right to have this information. Also you are put on notice that if ANY breach is made at a later date, that you will be fully responsible for anything from this breach. And that you will be liable both civilly and criminally, as you choice to keep this information. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I made a wire transfer to someone who lives in XXXX. The person said that they never received the money. I have made many trips to the bank in XXXX. I was told that they are trying to refund the money back into my account but that has not happened. Last couple of times I went there the branch is closed it looks like permanently. I tried to call the person who was handling the case for me but he doesn't answer. I went to another branch in XXXX. They couldn't help me. They just gave me a phone number to call. When I called that number the person put me on hold and then the connection was lost. On the bottom of the receipt that was given to me at the time of the transfer I see this number where it says if you have questions or complaints to call that number. When I called that person told me to go on line and file a complaint since no one else from Chase can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
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:
These accounts do not belong to me, please block and remove per 15 USC 1681c-2.

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 2015-10-02
Company: Brightfunders, LLC
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
Homeside Financial LLC called husband on XX/XX/XXXX concerning a re-fi.. they talked and I specifically heard my husband telling them he did n't want a Hard credit pull on credit reports. 
I did n't talk to them at all and yet awoke this morning to an XXXX alert of a new inquiry that I never consented to, info from report is as follows : XXXX Address : XXXX MD XXXX ( XXXX ) XXXX : Real Estate on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-15
Company: FCI Lender Services Inc.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I got a heloc loan with XXXX XXXX XXXX XXXX 2006 .. the loan was transfered to XXXX XXXX XXXX ..XXXX XXXX had pmi insurance on the heloc ..the loan went into default and was transfered to XXXX XXXX XXXX XXXX, XXXX . there I spoke to a representative there who told me that the loan was paid in full by XXXX XXXX XXXX. now a company call FCI lender Services inc XXXX XXXX XXXX XXXX Ca XXXX is threatening to foreclose on my property. my concern is if the loan was paid in full by XXXX XXXX XXXX with pmi insurance how can this debt be collected on again.. and can they foreclose on my property..?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: Selene Finance LP
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To whom this may concern, I 'm writing to seek some assistants in regards to a property that I 've tried for several months since XX/XX/XXXX to complete a short sale on a home. The lender has not called us back or followed up with us. The person assigned mentioned last time we spoke with was over a month ago said that she was going to review the documents and offer, if she was missing anything she was going to call us and let us know, we never heard back. So we called and called with no call back. Once we got her on the phone she did n't remember the conversation and once again told us that she would review the documents and offer and submit it over to the investor for approval, we still have n't heard back. We 've called left at least 3 messages a week on her voice mail with no return call back. They have linked my office phone to only go to her extension so I ca n't talk to anyone else. Now they have set another foreclosure sale date set for XXXX XXXX. They are not reviewing the file or the short sale of the home and will not advise us as to why or follow up with our numerous attempts. Please help us in away possible as we have had this offer with them since XXXX XXXX 2015. This seller has filed bankruptcy and the lender has tried 3 times to take the seller to court to foreclosure on the property but everytime it 's thrown out because this property has a bad deed. In XX/XX/XXXX we 've also submitted in a value dispute with no response back in regards to that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Experian Information Solutions 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:
I filled a compliant on XX/XX/2020 on Experian for inaccurate credit reporting on my Experian credit report. Experian completed my compliant with CFPB on XX/XX/2020. Then I received my dispute response from Experian via email. I never disputed anything by email. My first dispute was by mail and sent to Experian XX/XX/2020. Experian didnt open up my dispute until I filled a complaint with CFPB. Then on XX/XX/2020 Experian sent me an email with the wrong name that is a whole another person XXXX XXXX regarding the XXXX account that is inaccuracy reporting thats not my name and I would like to request a deletion for inaccuracy of the XXXX XXXX account # XXXX. My correct name is XXXX XXXX first and last. I uploaded the email that supports Experian Inaccuracy and the highlighted name

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 2022-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, Transunion, and XXXX are reporting my student loans from XXXX and XXXX late from 2018 and I wasn't this has been plaguing for four years and it's preventing me from getting a house I need this resolve asap their not following their own rules when it comes tom time status and responding with the correct information

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 2016-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX is reporting inaccurate info on my credit file in which the open date does not match the true open date. It is years off and the last reported day was XXXX XXXX 2016 which is odd since I made no contact with the company. It 's not legal to refresh a credit debt. It looks bad on my report showing a inaccurate date.

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 2020-12-31
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed Nissan on my credit report with a name XXXX XXXX. I contacted them about removing this inaccurate information on my credit report. I explained this was inaccurate, fraud, and requested all legal documentation by law - Any information bearing my signature, contract, etc. I received nothing. Just your responsible. By FTCA section 609 ( b ) validation of debt and proof of signature with original contracts are required to repeatedly reporting these inaccuracies is a crime.I never received any legal information or documents I have requested required by FDCPA or FCRA. I will seek legal action if not immediately handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Auto loan through Santander Consumer USA. Loan # XXXX vehicle VIN # XXXX Subaru vehicle. We arranged for the vehicle to be voluntary repossessed by the lender XX/XX/XXXX. After repossession we received a XXXX XX/XX/XXXX in the amount of {$5100.00} added to our XX/XX/XXXX income reason as " cancellation of debt ''. This amount was added to our XX/XX/XXXX income and we have paid additional tax to the IRS for this. 
Recently we received a form XXXX XX/XX/XXXX for an additional amount of {$4400.00} being added to our XX/XX/XXXX income reason " cancellation of debt '' FOR THE SAME LOAN AND THE SAME VIN #!!!!! We have already paid additional income tax on this loan. We should not be charged again for the SAME LOAN AND SAME VEHICLE!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Wells Fargo has charged me over {$600.00} in overdraft fees in a matter of days. I started to receive these fees everyday for unauthorized transactions. They were no help in the end, my dispute was just passed around to different departments who provided me with inaccurate information just to get me off of the phone. This bank has me very angry because they are careless about their customers. They are very inconsiderate about people who have to pay for bills and rent. The dispute was supposed to take 10 business days but they responded to me the same day saying, " Unfortunately there is nothing we can do. '' Which just goes to show that they did n't even take the time to really look into my claim. They were recently sued due to similar situations but obviously loosing customers does not matter to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-03
Company: ESCALLATE, LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I spoke with this collection agency about accounts in my name and XXXX representative was extremely rude and disrespectful. Prior to speaking with her i received threat phone calls with this agency {$100.00} and more. Every time i speak with a deb collector i ask for a full description of any bill and all other information needed to confirm any amount due. I advised that my insurance paid these accounts and she did not listen and tells me that i have more account than what is reported on file. The information they have of me phone number, address, are all invalid information. I have accounts on my credit report and was not informed by any such debt by mail ever.

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 2022-10-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit report act. The list of accounts below has violated my federally protected c consumer rights to privacy and confidentiality Under 15 U.S.C 1681. ______ has violated my rights 15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information other then records of conviction of crime which antedates the report by more than seven years.

15 U.S.C 1681 section 2 ( A ) ( 1 ) a person shall not furnish any information relation to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: AMERICAN EXPRESS COMPANY
State: KY
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:
On XX/XX/2022 I received some letters regarding some inquiries with XXXX XXXX, American Express, and XXXX XXXX, which I have no idea where these inquiries derived from because I did not apply for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently filed a complaint with TransUnion regarding an account that is listed on my credit report File marked '' 1 ''. The account is not mine. I never received a loan with that original balance from the creditor they have listed as XXXX University. I asked that they validate this debt and provide me with proof of the original loan balance and proof of the date of first delinquency of this account or remove this account from my credit report. 

I received the results of their investigation File marked " 2 '' and they replied that they had validated the debt. They did not provide me with the account information that I had requested. I had asked that they provide me with proof of the verification process that they had used to validate this debt. I also requested proof of the original loan balance and proof of the the date of first delinquency. 

I called TransUnion and requested proof again of the verification process that they used for this account and spoke with a TransUnion representative Ms. XXXX who told me it was up to the creditor to provide me with this information. She told me that they only report what information is given to them. I explained that it is up to TransUnion to verify the information given to them or a creditor could report false information. I also explained to Ms. XXXX that I had contacted the creditor and they could not provide me with the information I also explained that I had already filed a complaint with the CFPB and FTC regarding the illegal tactics of this company and their reporting of inaccurate information and time-barred information on my credit reports. I have spent months trying to resolve this issue and subsequently XXXX  and XXXX  did remove XXXX University from my credit report. 

By law TransUnion is required to provide me with the details of the verification process that they used to verify this debt including proof of the original loan amount and the date of first delinquency for this account as I requested, or this account must be deleted from my credit report. 

Please see details of my prior dispute complaints to the Consumer Financial Protection Bureau and the FTC, regarding this company and account. Complaint # 's XXXX # XXXX # XXXX I am available for any questions at XXXX. Thank you for your time and attention to 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 2022-03-20
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My account was closed without my consent, during a dispute and several charges are on my account and sent to collections. I called customer and was told my pay check was returned to my employer without email notification or letter via mail. I called customer and was referred to collections. I reached out to consumer relations several times and my call has not be returned. I tried to open another account and theres an inquiry on my credit report and my application was denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-11
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have asked this company to stop calling me multiple times. They then reached out to my employer. They asked for me, told my employers executive assistant what this was about ( debt collection ) and left their name/company name/and phone number. They have done this multiple times and it is embarrassing/not ok. 

Company who keeps calling is : PROFESSIONAL BUREAU OF COLLECTIONS OF MARYLAND, INC

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Issue: APR or interest rate

Complaint:
i paid my above my billed balance on my chase slate card 3 days after the due date and got assessed interest for the month. i think that this is not fair to the consumer. i have tried to contact the company and they wo n't remove the fees. i am tired of companies taking advantage of consumers. i believe that the charges should have been reversed. i have been a customer of theirs for almost 19 years. they said they never remove fees from an account. I find that hard to believe!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Experian Information Solutions Inc.
State: NY
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$320.00}, {$430.00}, {$1600.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$2400.00}, {$470.00}, {$440.00}, {$1800.00}, {$540.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX XXXX 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account. 

11. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1800.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my 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 2020-12-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The IRS submitted stimulus payments to be deposited in my bank account but Wells Fargo is holding those funds until XX/XX/XXXX. If the government has released the funds to be deposited why is Wells Fargo holding on to the money and are they earning interest on it, if so we should get that interest.

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