BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-12
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I recently relocated to XXXX XXXX XXXX for work. I had to exhaust my savings to move and get a new apartment etc. As a result, I fell behind on my payments from XXXX - XXXX. In the month of XXXX I tried to login to the online payment system for Wells Fargo Dealer Services and it kept giving me an error message and would not allow me to login. 

On XX/XX/XXXX I called Wells Fargo Dealer services because I still could n't login and wanted to take care of the issue. I was notified that they had initiated repossession on XX/XX/XXXX. I offered to pay the entire amount of past due payments and late fees and resume the loan, they declined. The rep on the phone said I could turn in the vehicle and owe the remaining $ XXXX balance or I could offer a settlement amount and pay {$1500.00} - $ XXXX/mo until the settlement balance was paid and then I would retain ownership of the vehicle. 

I asked several times to make the entirety of owed payments and late fees and was denied. The rep said that turning the vehicle in or settlement were my only options. A settlement was reluctantly offered of {$8500.00} with concerns of the aggressive {$1500.00} - $ XXXX/mo pay schedule. I was told that the settlement would be sent to a manager and I would receive notification of approval or a counter amount. I did not receive contact back. 

I am not sure why I can not pay the amount of owed payments and late fees and resume my loan. If a settlement is my only option I would like that to be decided soon or receive confirmation from the lender.

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 2021-03-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I requested merchant information from bank and they have no information on merchant. I filed a claim twice and reported debit card lost. Bank is denying my claim based on someone having used my pin possibly being written on my debit card. Bank can not verify transaction was authorized and can not verify merchant exists. 
They did try to find the merchant either

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Select Portfolio Serving, SPS, is not acting in " Good Faith '' in the underwriting and preparation of a loan modification which was in fact already granted in XXXX of XXXX by the former bank note holder, XXXX. 
I have fully complied with all their requests for financial information for the past 6 months. They are requesting the same financial information over and over again. I have sent them " proof '' of income several times only to be informed it is not enough. 
I have already given them the following Documents:XX/XX/XXXX TaxesBank StatementsInsurance statementsrental income for the house in questionrental income fore the XXXX XXXX XXXX income for investment property located at XXXX XXXX XXXX XXXX XXXX Fl5 months of consecutive rental income direct from the Federal Government ComputersProfit and Loss StatementsDetailed listing of my ExpensesRMA formAll this information can be verified by my Taxes which were professionally prepared by XXXX XXXX and XXXX XXXX CPA, XXXX New York XXXX 
SPS has formally acknowledged the receipt of this information via email confirmations to me dated:XX/XX/XXXX, XXXX confirmations of receipt XXXX/XXXX/XXXX, XXXX confirms of receipt XXXX/XXXX/XXXX, XXXX, XXXX confirms of receipt XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX, XXXX confirms of receipt XXXX/XXXX/XXXX. In total, there are XXXX separate emails from me that they confirm were in fact received by them. 
Despite my total cooperation and a deluge of information from me which can be easily verified, SPS continues to deliberately delay and or sabotage the recognition of a Mortgage already put in place by XXXX or grant a new mortgage taking into consideration the failures of XXXX and now XXXX Bank to accept my mortgage payment of {$1700.00} for several years. In fact, XXXX had accepted my payments for 9 months. 
I have attempted to correct this situation through personal phone calls, letters and lawyers. To date, no one is listening. 
Once again, the loan had been modified in XXXX and I was current on the payments when the note was transferred to the new servicer. The new servicer required me to re-apply for a loan modification which put me at risk of foreclosure because the new servicer did not accept payments after the loan was transferred. 
Florida is a XXXX XXXX and Foreclosure matters are referred to XXXX XXXX. The bank and I are required to participate in a Loss Mitigation Workout Solution. 
This matter has been placed on the court 's calendar and I submitted opposition papers to a Summary Judgement Motion on the basis that the Note to the Subject Property was not attached to the Bank 's Motion papers. 
There is a sale date scheduled for XXXX XXXX, XXXX and the bank has all the documents to approve a Loan Modification, but is not in COMPLIANCE with FEDERAL GUIDELINES. 
XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We filed for chapter XXXX and our home was not included. It was discharge XX/XX/XXXX. I called SPS in XX/XX/XXXX to discuss our options ( short sale, deed in lieu, etc. ). The rep stated, since we have children we could get {$3000.00} for moving expenses. On the advice of our attorney, he said to call the opposing law firm ( XXXX ) to find out the sale date of our home after XX/XX/XXXX. I called them on XX/XX/XXXX and left a message asking for this information. No one ever called back. I checked with my attorney and he was unable to find out when the sale date of hour home would be. On XX/XX/XXXX, we received a registered letter stating our court case would be XX/XX/XXXX to confirm the sale of our home! Talk about no notice!!! Three weeks??? Plus, no one would let us know the sale date. I called SPS and they said that we were not eligible for the {$3000.00}. They said because the sale had already taken place. What? I asked why this was n't explained in fall. The CSR said I should have provided a contact number. I replied, " Why did n't the CSR ask for XXXX in fall? Plus, SPS has our mailing information. They could have mailed it if they did n't have the phone number. '' The CSR blamed me for not following up. I told him, " I have never been through this process before, so how would I know? '' He said it was still up to me. Due to the short time frame, we have no place to go to and will be living in a hotel. We have XXXX children and XXXX of them are XXXX. I ca n't imagine how this could have been made any more difficult than it has been. Coming off of a chapter XXXX, we are cash poor and desperately need this money to sustain us while living in a hotel, to cover moving expenses, and to set up residence elsewhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-15
Company: Experian Information Solutions Inc.
State: MI
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:
I had a credit card account with XXXX XXXX XXXXXXXX XXXX. The credit card was opened XX/XX/XXXX, and was charged off in XX/XX/XXXX. XXXX has incorrectly reported the dates of the bill being current, which they report as ONLY the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The bill was current XXXX XXXX XXXX The bill was charged off in XX/XX/XXXX, however the information on the credit report shows the bill as being charged off in XX/XX/XXXX. They also reported the last payment as XX/XX/XXXX, which is incorrect. This caused a severe decrease in the on-time payment percentages shown on my credit report. 

Secondly, after the closing of my personal bank account with XXXX in XX/XX/XXXX, they revoked my account usage which prevented me from using their app and website to make payments. 

I settled the debt directly with XXXX on XX/XX/XXXX for {$81.00}, after receiving a letter in the mail. However, the reported balance on my credit report prior to XX/XX/XXXX was shown as {$810.00}. 

The items I cite as being violations of the FCRA are -posting the high balance ( 813.42 ), which is higher than the collections representative had me pay ( 81.34 ), -an incorrect date of first delinquency reported which is required by FCRA 623 ( a ) ( 5 ) ( a ), -and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information is continued to be reported.

Furthermore, there are 0 sections in the FCRA that prohibit deletion.

I have attached screenshots showing the date of payment and amount, and how they changed the dates of current/past due/charged off on my credit reports.

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 2015-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
After providing ALL the CORRECT information and picking which agency I want a report from, the XXXX step always comes up with " Unfortunately, your request can not be fulfilled online at this time, based upon the data provided. All the data is accurate and complete. My computer, connection, and browser requirements and setup are exactly what is required. I do, however, get eagerly prompted to enroll and pay for my " free report '' just like all the scam agencies that you warn everyone about. Has anyone ever really received a free report online from Annual Credit Report? If so, where is that information found and how is it confirmed? Are Federal mandates for the Consumer meaningless?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
Made a Washer purchase from sears on XXXX/XXXX/15 cost {$950.00}. Was told if I opened a account, would get promotional discount and no interest for 12 months. The washer was defective and returned. An exchange was made on XXXX/XXXX/15 cost {$900.00}, before the XXXX item was delivered. I change canceled the XXXX washer and purchased a lower cost washer {$840.00}. I made several payments but notice as higher balance on the account and was told I was being charged for XXXX washers. I called several times disputing the amount. After several attempts I was told as long as the account was in dispute, there would be no attempt to collect on the disputed amount. That was untrue as I received multiple calls to attempt to collect on what I did not owe. After all the calls I did not receive the promotional discount.

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 2016-05-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
EQUIFAX fails to remove the XXXX XXXX account information. EQUIFAX reports incorrectly the account CREDIT LIMIT is XXXX EQUIFAX reports incorrectly the SCHEDULED PAYMENT AMOUNT is {$210.00}. EQUIFAX reports incorrectly the Date of First Delinquency is different from the Date of First Delinquency from the other CRA 's for removal. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Initially my bank paid my XXXX mortgage twice by mistake for {$1600.00} each time. 
I called Fifth Third Bank on XX/XX/XXXX and requested a refund I was told I will get a refund and the associate could not even find out if it will be a check or a reverse payment. 
By XX/XX/XXXX ne payment was received I contacted XXXX from Fifth Third Bank and she said a check was already mailed. On XX/XX/XXXX a letter stating my extra payment would be credited toward my account was received, I did not request this and it was not credited nor did I receive a check. 
I called Fifth Third Bank on XX/XX/XXXX at XXXX XXXX and spoke to XXXX she said the money was applied to unissued credit, then I told her a check was supposed to be mailed. She then changed her answer and told me a check was mailed but could not give me a check #. She refused to connect me to her supervisor and put me on hold 10 minutes. I called back and XXXX again refused to connect me to her supervisor and just put me on hold again. I never received this money and the payment of {$1600.00} was never applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: The Bureaus, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a validation request to IL XXXX XXXX XXXX on XX/XX/2020 and never received a response. The original letter from IL XXXX XXXX XXXX letter states that the creditor is another debt collector named The Bureaus. Since the account was sold, The Bureaus should not be trying to collect from me, as well as should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: EQUIFAX, INC.
State: SC
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:
THE DISPUTED LATE PAYMENTS ON THE ACCOUNTS LISTED HAS BEEN REPORTING INACCURATELY, PLEASE MAKE THE CORRECT ADJUSTMENTS ON THE ACCOUNTS LISTED, FOR THEY HAVE BEEN CAUSING HARM TO MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been fighting with Equifax for 2 years to remove this unverified debt from my credit profile. XXXX, XXXX XXXX have also asked Equifax to stop reporting this false information and they have failed to do so. I '' m looking to have this removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was thinking about of getting a loan since i looked on my account on credit reports and i was in fair and wanted it higher, i started paying on medical bills to get score up to go get a bank loan or increase on my bank card. I waited a couple mths and i looked over my complete file report because i seen it fell to XXXX I seen XXXX inquiries, I called all XXXX agencies, i filed complaints to the companies that i did not run my credit at al for an automobile, i went online to file complaint, they say i have mortgage, i own my home, because they want you to verify who you are. It wanted me to verify agency of mortgage, i own my home, no mortgage, it asked for monthly amount of mortgage, and its nothing so i put none of these on equifax , XXXX,, and XXXX, i had to call consumer. They had info i never heard of, above is suppose to be XXXX file number but i had to do everything in writing, and to see the online status, it gives me accounts to verify i do not have. I had to send letters out and faxes, I have not heard nothing its been since XXXX XXXX, 2013 and they have verification wrong so i can not check on status. XXXXXXXXXXXX is my email. You can see on my score charts i have no mortgage but when you login in on document Fact act or fast act you will see me to verify? what is going on?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have informed Equifax numerous times via online dispute, fax and certified mail that they are reporting a XXXX account on my credit file as if I am or have previously disputed the account in which is incorrect. The creditor stated that Equifax is responsible for updating their records in a timely manner after information is submitted to them. The only dispute that I have about the account is that it reflects as if I have previously disputed the account. I have requested for the additional information reflecting as " Consumer disputes the account information '' to be deleted from my credit file. The creditor stated that Equifax needs to correct their database because the account is not reflecting as in a dispute status. Also, Equifax is the only credit bureau reporting the account as in a dispute status in which is incorrect. Again, this account has never been in dispute other that the fact that is reflecting as in a dispute status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
*****SEE ATTACHMENTS***** Hi, there is no way that these accounts were ever investigated. delete now. Listen, Im writing to dispute the following negative items accounts that continues to appear on my credit report and profile. These negative items I am disputing are listed accordingly below and Ive either attached screenshots or my actual credit report with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws.

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 2022-10-27
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX2022 ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Lending Club Corp
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I tried to make multiple payments online via lendingclub.com For the past 2 months I was not able to make an extra payment. I called and complained about this issue with No resolve. All of the reps state that I should be able. The site was not working corretcly. This hampers me to decrease my balance, hence more interest goes to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is reporting a collection on my credit report with XXXX that should not be on my report. Account Number XXXX should not be on there as the other XXXX bureaus deleted them from my credit report. I have contacted XXXX that the {$590.00} that they are claiming that I owe XXXX has not been validated by the FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please remove XXXX XXXX from my Hand Inquiries currently showing on my reporting. I do not know or have any known affiliations with this to the best of my knowledge. I have not known of any entity like this dealing with credit since 2015. A charge off in 2015. The statue of limitations are 3yrs. Maryland. This looks negatively on my reporting .please remove, as a hard Inquiries. Thank you so much for your help! Sincerely, XXXX 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