BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-14
Company: Experian Information Solutions 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:
I asked previously for an investigation into WHY I have 2 bankruptcies reporting on my bureau for the same case number. I was told it was investigated and they mailed me a report. A report was mailed and the only changes were an old address and a name, they did not remove the duplicate nor did they do an investigation as to why it is reporting incorrectly. I DEMAND TO KNOW WHO YOU VERIFIED WITH IN XXXX THAT TOLD YOU TO CONTINUE TWO BANKRUPTCIES ON MY CREDIT FILE ILLEGALLY!! This practice is deceptive and very much ruining my profile and causing XXXX XXXX I am going to sue XXXX based on Permissible Purpose. Should not even be on my credit report in the first place based on 15 US Code 1681b, even more if IT IS INCORRECT and DUPLICATED

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 2020-04-20
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently checked my credit report on XX/XX/XXXX to check the status of a dispute. The dispute was with The XXXX Apartments located in XXXX, NV XXXX. I was a resident there for 1 year and completed my full 12 month lease ( XX/XX/XXXX ). Once I moved ( XX/XX/XXXX ) I was verbally told by the property XXXX ( XXXX XXXX ) that I would be given a final bill sent to my new address in XXXX XXXX, CA. I noticed on my credit report that I was sent to collections for the amount of {$1700.00} on ( XX/XX/XXXX ), however my report also states the collection amount was updated on ( XX/XX/XXXX ). I would like this removed from my credit report in full due to not receiving a fair bill sent to me as I was instructed by the property XXXX, and I had no idea my final bill was in collections until I looked at my credit report. The collection agency address is : XXXX XXXX  XXXX  XXXX  XXXX, GAXXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Possible Financial Inc
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a small loan and the process said the the interest would be reduced for early payment. I paid it of early after the first of four payments. At that time there was only a few dollar reduction which seemed odd because there was about {$80.00} in interest. 

I asked them and they sent me this schedule of interest : Here 's the breakdown of the interest and fees charged for this loan. 

1st Payment Finance charge : {$1.00} Interest : {$70.00} Principal amount : {$42.00} Total : {$110.00} 2nd Payment Finance charge : {$1.00} Interest : {$1.00} Principal amount : {$110.00} Total : {$110.00} 3rd Payment Finance charge : {$1.00} Interest : {$0.00} Principal amount : {$110.00} Total : {$110.00} 4th Payment Finance charge : {$1.00} Interest : {$0.00} Principal amount : {$100.00} Total : {$100.00} This looks like a finance fee and not actually interest. Is it legal for them to structure interest payments like this and then claim there is a savings in paying off early ( technically true but misleading at best ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
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 are still unauthorized inquiries on my consumer report. My consumer rights are constantly being violated by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern, I am contacting today because I am trying to make a payment on my mortgage with Wells Fargo. It has been nothing but near impossible to make any sort of payment. I have been avidly trying for 3 days now for hours to get through to somebody to make a payment to. 

I have tried calling in to make a payment, but hold times are easily over an hour. I have called multiple times now and each call has been over an hour long and I get through to nobody. 

They have revoked automated payment system because it is delinquent. So I am unable to call and use the automated payment system to make a payment. 

They have revoked online payment so I can not pay my mortgage online either. 

I have went to a branch, but they only will take cash or a check. I have been doing a transfer payment for 5 years now, and now they will not take it. I am unable to draw the {$1500.00} I was go pay from an ATM for obvious reasons. 

I, and many others, have been waiting endlessly on hold and getting nowhere. I have reached out to a branch, their twitter account that supposed to be for 24/7 customer support is not responding, the bank refuses to do a transfer. 

The options they have given me and all others is must pay cash or check, fill out a form to have them call you which will do no good because I will be in contact with a loan officer, they say to pay online or over the phone but you can't do that because of wait times and them locking people out of paying that way. 

Wells Fargo should not even be allowed to be in business. They say how they are working so hard to help customers out, but as far as I remember it they have been in front of Congress 3 times in 10 years for how they " help '' people. Like when they made all those bank accounts illegally in other peoples names, or helping cause the market crash in 2008, or even here in Colorado holding paperwork until it's late to hold the interest rate ransom. 

I am just trying to pay my mortgage and Wells Fargo is doing nothing to help, but everything they can to make it impossible to pay the bill. I personally think they want this to go over so they can just begin foreclosing and taking all the housing away from the people who actually keep the business going between bailouts they manage to get.

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 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Within my rights under the FCRA, I have mailed multiple request in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting Transunion, XXXX  and XXXX  to supply their method of verification for the 30 day late payment listed for the XXXX XXXX XXXX  ( Account Number beginning in XXXX ). According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give methods of verification within 15 days of your request after confirming the item was accurate. Neither credit bureau has supplied the information for the late payment. Instead I received additional copies of my credit report with no other information stating their verification method.

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 2020-04-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I woke up at XXXX XXXX and was alerted on my phone that I withdrew {$260.00} from ATM located at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I immediately called the bank and filed a claim for fraud. According to the online bank details the money was withdrawn at XXXX XXXX XX/XX/XXXX. I could not have withdrawn that amount as I was sleeping. I did not lose my card and I did not give anyone my pin. I had the card on me. The money was withdrawn from the banks branch outside on an ATM. They should have video footage. The next day XX/XX/XXXX I got an alert saying the claim was completed, so I called to check on the status. They said that the case was closed and that they would NOT be reimbursing me for the amount of {$260.00} and that they determined it was not fraud. That they could not provide me with video footage or anything else. That they could not re-open the case. I do not understand how it could not be fraudulent and how they could not investigate any further if they have all the evidence they need. I ordered a new card that same day XX/XX/XXXX after submitting the fraud claim to evade more fraud occurring. 

I was affected Financially. The {$260.00} that were stolen from my account were going towards my car lease. Now I'm going to pay it late and will get late fees charged. I don't even know how I'm going to come up with the money. I might even get my car taken away from me. I can not afford to lose this money. Specially due to the Worldwide impact of COVID-19.

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 2021-10-27
Company: Bread Financial 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 contacted Express ( XXXX Bank ) in regards to me having to temporary deploy late XXXX of XXXX. I submitted XXXX XXXX over showing that I was out of country. I asking due to XXXX Sailors Act could they honor the late payments due to me not having access to pay the interest that occurred on the account. I received a denial for that. 

On XXXX of XXXX I was diagnosed with XXXX. I submitted documents stating that due to being hospitalized I could not make payment. They still placed a late payment to my account and told me unfortunately they could not waive the late annotation on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
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: Account information incorrect

Complaint:
Hello, Ive sent countless letters to XXXX about incorrect information being reported on my credit profile. They have not taken the steps to properly investigate the account. From XXXX to XX/XX/XXXX Ive sent certified letters in regards to disputing information that is inaccurately reported with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: NAVY FEDERAL CREDIT UNION
State: NC
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:
I have a auto loan for a car with Navy Federal. I don't even own possession of the vehicle with the account they have me associated with that is still open. 
1. Account is reporting with 3 different amounts of high credit. 

If this is the same account being reported by the same creditor, why are my Navy Federal Account, XXXX XXXX Account, and my XXXX  account have different amounts? 

In accordance with the fair credit reporting act 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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

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 2016-12-07
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX, XXXX XXXX XXXX XXXX XXXX, filed a foreclosure action against me and my husband. A Final Judgment of foreclosure was entered since we did not get notice of the hearing date. My husband and I were able to reinstate the loan in the amount of {$56000.00}, made payable to XXXX XXXX XXXX as the loan servicer. We were given the amount to reinstate the loan from Impac Mortgage Company since they were the trustee for this loan. The Final Judgment was vacated on XXXX/XXXX/XXXX, ( attached ) and we kept waiting to get the new payment amount, which never came through, despite repeated requests. ( attached ) Despite not having a new payment schedule, we kept paying whatever was requested initially : XXXX XXXX, XXXX - {$4100.00} - online payment XXXX XXXX, XXXX - {$5600.00} - online payment By XXXX of XXXX, the payment had gone up to {$19000.00}, which we could not pay. 
We kept receiving notices from Impac Mortgage Company to assist with the loan modification, and since we were getting nowhere with XXXX, so we contacted Impac Mortgage for the modification assistance. 
On three separate occasions, Impac Mortgage requested a fee for the modification, which was paid on the following : XXXX/XXXX/XXXX - {$2300.00} modification fee - {$1400.00} on a credit card and {$900.00} on another credit card. The loan modification actually went through and the paperwork was signed and submitted to XXXX XXXX XXXX with a payment amount of {$2200.00}, which was accepted as well as the second payment of {$2200.00}. I made the third payment of {$2200.00} ; however, XXXX XXXX XXXX refused to accept it. 
XXXX/XXXX/XXXX - {$2200.00} modification fee - credit card payment XXXX/XXXX/XXXX - {$2400.00} modification fee - paid by check ; everything was submitted as requested but Impact kept changing their mind of how they wanted the funds received. One letter stated the funds could be sent by check and then another correspondence was the funds had to be certified and/or wired. Even though a check was sent, it was then refused. 
By XXXX XXXX, another foreclosure action had been filed. We attended mediation where we were to submit the required documents. We then went to trial on XXXX XXXX, XXXX and we were given 150 days to complete the modification. Despite from the time of the first mediation in XXXX XXXX until XXXX XXXX, XXXX, we submitted the modification packet no less than 15 - 16 separate occasions Despite all of our efforts, we were notified on XXXX XXXX, XXXX that loan modification was not approved. feel as though I have been completely scammed by both XXXX XXXX XXXX and Impac Mortgage. Both kept dragging this process out and increasing the interest rate and the fees to make it impossible for us to keep our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I tried to open a regular checking or at least a savings bank account today with Chase - FSR XXXX XXXX and XXXX - XXXX XXXX XXXX - both Banks refused to open an account because I do not have XXXX yet since I just arrived to the US on XXXX/XXXX/16 with a XXXX - married to an US citizen.I presented my Passport with the XXXX with the official Stamp from Homeland Security, as well as my Social Security number, proof of residency. 
I 'm a lawful resident of the United States, married to an US citizen, allowed to work. Even Employers accept and know about the Stamp, XXXX and do accept this - as i is a very clear and simple process by the US Government. 
But those XXXX Banks refused today o open a bank Account, even my wife was with me and presented all her legit paperwork as an US citizen they did not open an Account. 
This denial is descriminatory. 
I am allowed to work, pay taxes but can not have a bank account where my pay cheque can be deposited in ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I received a call from a lady who claimed to be a representative with Ace Cash Express. She asked me for my social security number over the phone to pull up my account. I do not have an account with Ace Cash Express. And I believe this caller was attempting to steal my identity and SSN. She may have done this with other innocent people. The phone number is ( XXXX ) XXXX. The lady said her name was XXXX. I received the call at XXXX XXXX on XX/XX/2021. She left a message on my phone, which I will attempt to upload.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX Student Loan : I have reached out to XXXX XXXX XXXX in XXXX XXXX XXXX and XXXX XXXX XXXXXXXX about my loans and the incorrect reporting since my loan went into forbearance late XXXX. I was told they would never ( and could never ) submit to change their error, regardless of fault. The maximum amount borrowed was less than {$75000.00}, but it is reported as over {$86000.00} that I borrowed, when that is not true. The line of credit was {$75000.00}, so that is not possible. I have made payments every month that they have been due and have not been delinquent. 
I called XXXXXXXX XXXX XXXXXXXX again on XX/XX/XXXX and was told they would write to collections try to fix the issue. They stated that - on their end and in their system - my account shows it was closed in XXXX XXXX XXXXXXXX, with a maximum possible credit amount of {$75000.00}. They also informed me that they sold their loan to another lender that they called collections, which explains the incorrect reporting. I am not even the owner of the account, just an authorized user. My account was never Delinquent to go to a collections agency. 

XXXX XXXX XXXX XXXX XXXX XXXX : I suffered from XXXX and XXXX  XXXX from XXXX XXXX XXXX I called XXXX XXXX XXXX and discussed closing my credit card with a monthly payoff payment. They informed me they can not close it, but reduced my payment from over {$80.00} down to {$47.00} and then sent me a letter telling me that paying $ XXXX won't pay off my card for 10 years. They also still reported XXXX - XXXX payments as delinquent, even when XXXX XXXX said it would not be reported because I paid the new minimum and kept up with payments/informing them. XXXX XXXX also informed my on XX/XX/XXXX that my XXXX payment was returned and threatened to go back and report it, even though I still paid it within the grace period. My debt has been increasing to a point I can not keep up with, and I informed them that it is keeping my credit score from being able to have a roof over my head. They still have not closed my credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Square Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
My cash app card was lost ... Once i got my replacement card in the mail i tried to activate said card to access my money and it wont let me. I have made several attempts via their support system and emails ... No responses or any kind of solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I reached out to the 3 credit bureaus because there is information on my credit report that is inaccurate. 

There are several names and addresses on my report that are not mine. 

There are also 3 accounts on my report that do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX. XXXX I have filed several disputes regarding these matters and have not received a resolution. Having incorrect names and addresses associated with my public record makes me susceptible to identity theft. 

Please help in having these items removed from my credit report immediately.

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