BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
it started 9 months ago when both my wife and I both had fallen XXXX. My wife nearly XXXX and I almost had a XXXX We fell behind on payments lost XXXX our vehicles and now we started a loan modification in which Wells Fargo deinied after we went through hoops to complete and was never complete by their standards. But no forebearance was offered to me by Wells Fargo for my past VA home loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I opened a Macy 's card on XX/XX/XXXX. I just checked my credit report and see that it was closed due to inactivity on XX/XX/XXXX. I was never notified that it was going to be closed. Since it was XXXX of my older accounts, now that it is closed, it has effected the average age of my credit history, which is negatively impacted my credit score. I would like for the account to be reinstated so that my history of good payments can be reflected on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX has reported a mortgage/collection account on my credit report which is the only thing stopping me from getting a VA home loan. On XX/XX/2017, I sent XXXX a letter asking them to provide a Chain of Title proving that they even own a debt that I am liable for and have the right to report it on my credit report. They responded to my request on XX/XX/2017 and were not able to furnish a Chain of Title and therefore were not able to prove they own any debt of which I am obligated to pay. Upon the receipt of their response, I immediately sent their letter in its entirely along with my own letter to the credit agencies demanding that they remove this mortgage/collection account from my credit report. I actually sent XXXX letters, XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. In that letter I stated that due to the fact that XXXX could not establish a document that stated that they owned anything of which I was liable, that this needed to be immediately deleted from my credit report and if not it was in violation under the Fair Credit Reporting Act. I received my results from the credit agencies within the 30 days, and though they deleted the activity contained in the XXXX account, the account still remains on my report as a collection and has not been deleted, which is still the only thing preventing me from obtaining my loan.

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 2017-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I recently was turned down for credit based on Transunion not updating and deleting my XXXX Chapter XXXX bankruptcy from XX/XX/2010. I filed with my then attorney while living in XXXX, MD during my treatment for XXXX XXXX and was on unpaid medical leave thus filing for Bankruptcy. I have contacted Transunion numerous times to correct other erroneous details on my credit report and every credit reporting agency except them has taken my request seriously and rectified the situation. I belong to a financial support group and it 's ironic that all of us have the same issues with only Transunion not abiding by regulations and laws for consumers. Thank You in advance for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: WELLS FARGO & COMPANY
State: ND
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I contacted Wells Fargo Home Mortgage to refinance my current mortgage. I informed them that I was behind and I filed bankruptcy about 6 years ago. They said no problem they could do it. My credit score was XXXX which they said was good. I applied and then they said that I had to pay {$11.00} for the credit report and {$530.00} for the appraisal in order to continue on with the application process. So I paid them the {$540.00}. I never received the appraisal on my home. They never contacted the appraisal company to schedule a date or time. They denied my application based on behind on mortgage and bankruptcy. I would like my {$530.00} back for the appraisal the I never received. I have called several times and left messages and no one has returned my calls. What does Wells Fargo do with all the money they get from people that do n't qualify for refinance?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-16
Company: Paypal Holdings, Inc
State: IA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Woke up on XX/XX/2022 only to find out that my account has been permanently limited according to a mail sent to me by PayPal ( Ref ID - XXXX ). 

I have been in shock of what Policy I did go against that could result to my account been limited...

I need explanation on what Policy I did violate and why should my account be limited.

I have been a loyal PayPal customer over the years and with no engagement with fraudulent activities demand and explanation of why I am being wrongly limited..

I have mailed the executive and no response has been given.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-10
Company: BUDGET CONTROL SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have an under-developed eye, microphthalmia from the Agent XXXX, and since the age of XXXX I have had to wear a XXXX. The XXXX are very expensive ( XXXX-XXXX ) and they last 5-6 years. I got XXXX when i was XXXX and XXXX when I was XXXX because of how expensive they are. I am XXXX now. Because of the cost of the XXXX and the fact that they are not covered by insurance I have been unable to get XXXX since. In my early XXXX 's it became clear that i needed a new one. I had heard that some insurances were covering the XXXX or part of it. This was the only way that I was going to get a new eye as I could not afford it otherwise. XXXX is one of the only places that can make them. I called XXXX and had a lengthy discussion asking about how much would be covered by insurance and that I could not afford the eye or any procedure until I knew how much I would have to pay. The people at XXXX assured me that they would work out a financial deal with me that was affordable and to just set the appointment. I went to the appointment thinking we would discuss the bill before we did anything but they immediately sent me to the back room and started the procedure of making me an eye. Its a rather painful procedure due to the clay they form against my eye. After they did the procedure I asked them how much this was going to cost and what deal they would work out with me. Thats when the doctor slid an envelope over the table and said it would be XXXX. Obviously I reminded him that I could n't afford that and that it was why we needed to discuss it before making the eye. He told me that i needed to pay for it and then they could see if the insurance would pay some back to me. Totally unacceptable and not at all what I had discussed with them just days before. I refused that option. I never received the eye and then I get a collection on my report for XXXX. I do not owe this money as I never received the eye. On top of all of that I will never go to XXXX again for their deceitful and dishonest practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
First, a Wells fargo rep gave me an incorrect amount to bring my account up to date. I was {$6.00} short, so they put my acct as delinquent. The second time, I called to verify a payment and I was told that it was processed. Then I get a call saying my account is 90 days past due. I pay late fee after late fee, but the bank does not want to take accountability for their mistakes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Contact equifax regarding my credit the ask me XXXX question and XXXX of them was what credit card I and how much you owe on it that something a individual remember off the top of they head. Please investigate the Equifax on all products and services and ensure they are working to United States Federal Regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: TMX Finance LLC
State: MD
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
Date of {$1700.00} Loan XX/XX/2017 Today, I called XXXX at the XXXX , Va. location to confirm my payoff amount of {$790.00}. However, XXXX stated a payoff amount of {$1100.00} ( as of today ) ... ..plus an additional $ XXXX in interest. These amounts I dispute. My payments are as follows : XXXX Money orders dated XX/XX/2017 XXXX for {$500.00} & XXXX for {$150.00} totaling {$650.00}. 
XXXX Money orders dated XX/XX/2017 XXXX for {$150.00} & XXXX for {$100.00}. 
XXXX Money order dated XX/XX/2017 for {$35.00}. 

Total payments as of today, {$940.00} on a {$1700.00} loan..but still owe over {$1100.00}. 

The agreement indicates ... .. " Prepayments. You may prepay in whole or part at any time the amount due under this loan agreement and will not incur any additional charges, fee or penalty. However, we will refund the finance charges we have earned if at any time prior to close of business on thr business day immediately following the date of this loan agreement, you prepay to us in cash the amount financed ( principal ) in full satisfaction of your obligations under this loan agreement. '' It is not my fault their payment machine was down so I had to mail payment in therefore processing was delayed resulting in additional charges, penalities and fees. 

So far, based on their calculations, I have paid {$330.00} in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX  XXXX XXXX {$34000.00} US DEP ED XXXX {$12000.00} DPT EDXXXX XXXX {$8700.00} XXXX XXXX {$34000.00} DPT EDXXXX {$7700.00} DPT EDXXXX XXXX {$3200.00} US DEP ED XXXX {$12000.00} XXXX XXXX XXXX {$8700.00} US DP ED XXXX {$3200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from JPM/CHASE. I cant say this more emphatically, I have never had a JPM/CHASE account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day, mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified " that I have disputed. Please resolve this manner as soon as possible. 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 2017-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX of the addresses listed on my credit report XXXX XXXX XXXX XXXX is incorrect. I have never lived on XXXX XXXX XXXX XXXX XXXX, Md. 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 explanation
Consumer complaint received 2016-05-25
Company: ALLY FINANCIAL INC.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a brand new XXXX car with GMAC in XXXX 2005. Everything was good for a couple years, but with the economy crash and self employed, I was late on payments several times through the remainder of the loan, however but still managed to pay it off in the time of the loan. That was 5 years ago, yet they still will not send the title unless I pay interest and late fees. This is totally unfair and unrealistic. The car is only worth ( according to several GM dealers ) what they say I have to pay ( over {$1800.00} ). And they want to report more negative information to the credit bureaus.

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 2022-04-16
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am 30-59 days late on my payment with the credit card company. I had unseen events that come up that I had to rearrange money around to pay for the past couple of months. I have received multiple phone calls a day from this company but never received anything in the mail or by email. I have mailed a letter to the company asking to be only contacted in writing. Most recently I have received 3 phone call in a 1 hr and 33 minute time frame from this company I received a phone call at XXXXXXXX XXXX, XXXX XXXX. and XXXX XXXX  on XX/XX/2022 only. Comenity Bank then they proceeded to contact both of my parents as well on different phone numbers trying to get a hold of me. My parents do not live with me and I have never put them down as people who are allowed to be contacted on my account. They call on average 3-4 times a day every single day and those are only the times that I am aware of as I do also receive multiple no caller id phone numbers as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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  Accounts XXXX for the amount of XXXX dated XXXX for XXXX XXXX XXXX, account XXXX dated XXXX for XXXX XXXX XXXX XXXX and account XXXX for XXXX XXXX has violated my rights.

15 U.S.C. 1681section 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.

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 2015-04-08
Company: Alliance One, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
T-mobile renewed my 2 year contract without letting me know, when I just had XXXX months left. Told the manager at the store, and he said he would have it fixed ... its been over XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: BMW Financial Services NA, LLC
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My account with BMWF is currently past due, payment is due for XXXX, XXXX and XXXX. The vehicle, a 2017 BMW M240i, is currently in storage at the dealership as it can not be registered until property tax is paid, which is around XXXX currently. This tax bill is due for a prior vehicle which was totaled on XX/XX/XXXX, a 2015 BMW M235i. BMWF is aware this vehicle is totaled and I have requested a settlement amount for payment due on that account but have not heard back. The last rep I spoke with named XXXX was advised of the situation in regard to XXXX vehicle and told me repossession would take place if account goes 60 days past due. Please note, prior reps were also advised of situation regarding vehicle in storage/registration/property tax due but may not have noted it. I am currently awaiting a settlement from attorney in regard to XXXX vehicle loss and injuries sustained from accident. I expect check this week, XX/XX/XXXX to the XXXX, but will need some leeway for the time being. Please request BMWF to allow me more time before any repossession occurs. I believe this is fair, considering I have not been in possession of vehicle, it is and has been at dealership since XX/XX/XXXX. I expect to have tax bill paid and towed this week as well, once settlement check is received and cashed..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Upon checking my yearly credit report, I noticed XXXX collection accounts that were being reported by Commonwealth Financial Systems. I sent a letter to Commonwealth Financial advising them I have no knowledge of these alleged debts and I would like to be able to validate them. I received a letter back stating they were n't able to locate an account based on the information I provided in my letter. I was able to locate account numbers for these debts on my credit report so I sent them another letter listing those account numbers, in response. 10 days after I sent my second letter ( including account numbers ) I received a letter from this collection agency attempting to collect payment on these alleged debts. The letter I received states that these accounts have been placed with this agency and I would need to notify their office within 30 days if I would like to dispute the validity of these debts otherwise they will assume these debts are valid. Before I saw these collections listed on my credit report I had never heard of Commonwealth Financial Systems and I had never had any communications with them. At this point, it has been well over 30 days since I sent my first letter requesting validation on these alleged debts and to this day I have not received anything to validate them ; however, they have started sending me letters attempting to collect on these debts and that only started after I asked for validation. I have no information on these debts other than what is reporting on my credit report and even though I have n't been allowed to verify these debts are valid they are still reporting and damaging my reputation and credit worthiness.

Company response to consumer: Closed with explanation