BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-30
Company: FREEDOM FINANCIAL NETWORK
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:
As of XX/XX/XXXX I have written XXXX several times to get this issue resolved. They are counting to report duplicate fraudulent accounts. I have been disputing XXXXXXXX XXXX  charge for a {$3600.00} account being reported at {$8000.00}. I don't have account number. I have repeatedly disputed this charge for 3 years and it is also contacted each creditor bureau with proof and also contacted XXXX several times. Now the account is showing twice on my credit report. I have asked how this information is being verified as I have provided proof that it was not me. This is detrimental to my credit and I have exhausted ways to have it resolved. 

XXXX is also showing a duplicate collection account for XXXX XXXX XXXX XXXXXXXX XXXX, for {$190.00} which is also a fraudulent account and I have disputed this charge and it is showing twice. I have contacted XXXX as well as XXXX to verify that this was not me. The car they are referring to being insured is not registered or owned by me and I have never had insurance with this company. Have been fully insured for the last 5 years by XXXX. 

I would also like a resolution with Freedom Plus. It is showing a charge off account for {$9500.00} I have disputed this charge and also provided documentation of fraud. I have contacted the creditor as well as they have sent it to collection which has resulted in anther negative account for XXXX XXXX for {$9500.00}. I have disputed this collection and have contacted XXXX monthly for the past 2 years. The collection agency has sent it to another collection office of XXXX XXXX XXXX for {$9500.00} as of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Was looking to getting a car. XXXX ran my credit through their banks, when I was told it would only be ran through them. I ended up with 6 inquiries from that transaction. I have spoken to both experian and XXXX and they have said the other entity would have to delete it. The following are the accounts in question : XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017

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 2017-04-13
Company: BMW Financial Services NA, LLC
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I " leased '' a vehicle from BMW XXXX under the owner 's choice option. They told me that I would be able to get out of it if I received XXXX location and they equated it to a lease, but a better option for tax purposes. Now that I have said orders, they are telling me that the SCRA does not apply since the vehicle is not a true lease, but a " blue loan. '' This program is bad for military members in Texas and, I believe, is being used to circumvent the SCRA by trapping military members in a contract that is sold as a lease, but is not a lease. This is a financial burden on my family and is an additional stressor as I prepare to leave my home for a year. BMW XXXX offered to buy back the car, however I would take a {$5000.00} loss. They also offered to take both my, and my wife 's car, in exchange for a new lease, but they would roll negative equity into the lease and I would again take a {$5000.00} loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account ( XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: ALLY FINANCIAL INC.
State: MO
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:
Talked with company, told the situation company contacts me on my cell but is now calling my work number. This is federal government number. All calls are monitored and recorded through my work line. We are not to receive or make calls out side of work at work. Contacted on XX/XX/2017 at XXXX. They can not call my work number leaving voicemails. I have a cell phone number it is XXXX. I have spoken with them and they know my phone number.

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 2017-04-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Other financial service
Sub-product: Check cashing
Issue: Fraud or scam

Complaint:
Several checks were issued from XXXX for possible claims reimbursement or some type of distribution of money. These checks were signed by another person and my signature was forged on others and the checks were cashed. After speaking with XXXX, they said it was Chase 's job to create an audit/test the process from the check cashing. Chase also released my personal information after it was changed to another party causing further distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Pacific Union Financial, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have an FHA loan with Pacific Union Financial. Before I closed on the loan I attended mandatory HUD counseling at which they told me that after my taxes are paid then I should demand a refund of the tax overpayment. I did that in XXXX and was given a refund of the overpayment in taxes on XXXX/17. Recently my taxes were again paid and I have an overage of greater than {$5000.00}. The bank is refusing to give that money back to me as per HUD guidelines and say they want to hold onto the funds until the end of the year for no reason than because it is a new loan ( which it is not ). I am requesting assistance in getting my money back from this bank. I am concerned that the funds are being misused and that is the reason why they are refusing to give me back the excess taxes I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Experian Information Solutions Inc.
State: PA
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 had a private student loan with XXXX XXXX XXXX in XXXX. The account was past due in XXXX. This debt is not only outside the statute of limitations, it is 11 years since the first delinquency that preceded the charge off and so way outside the FCRA obsolescence period. XXXX XXXX XXXX keeps placing it with different agencies that keep updating the XXXX and XXXX dates keeping it on my files long past the obsolescence period.. 

I have disputed this with all three bureaus and they have left it on my files due to the date manipulations XXXX XXXX listing : XXXX XXXX XXXX. Account number 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 2022-08-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Case # XXXX I urge CFPB investigate into the internal operations of CitiBank 's executive office.

CitiBank has failed to handle all my earlier complaints appropriately. In fact in response to my last complaint ref : XXXX the citibank 's executive representative called me and told me he does not understand my complaint. My previous complaint was very much straight forward but because these people are scumbags at citi 's executive office they called me and said they do not understand my complaint. 

When none of their tricks worked to get past my previous complaint, the citibank 's executive XXXX sent me an email stating, " we ask that you please interact with our branch staff and Contact Center agents in an appropriate and professional manner. '' When they realized that my earlier complaint were indeed not handled appropriately, they put the whole blame on me. 

There is nothing executive about these operators, these people at citi bank 's executive office are a one hundred percent certified 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 2022-08-30
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing this letter due to the actions that XXXX XXXX XXXX XXXX XXXX has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 

I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 

It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details, as well as information stating that they are attempting to collect a debt that XXXX XXXXXXXX XXXX  is also claiming that I owe to them as well. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company or with XXXX XXXX, XXXX. 

They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation with XXXX XXXX XXXX XXXX XXXX, and that they have purchased from the original creditor. 

For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 
Sincerely yours, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to refinance our primary residence. I have been a full time employee by my school district over the last 14 years. I took off 3 years for a maternity leave from XX/XX/XXXX until XX/XX/XXXX. After starting again in XXXX of XXXX, I took off one semester of unpaid leave because my school district would not allow me to continue to work remotely. As I have a young son who we did not want to expose to Covid in a daycare setting. I was just denied due to " Frequent job changes or unemployment gap. No history of stated income. Income history insufficient in my employment history. '' I have been with the same employer for 14 years and yes, after I had a baby I took off for a maternity leave and then one semester for an unpaid leave during Covid to protect my son and family. I find this practice to be discriminatory! My home lending advisor is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
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:
PENTAGON FEDERAL CREDIT UNION reporting and attempt to collect on a debit I do not owe. 

Per Federal and State Lending Guidelines for consumer loans ( Auto, Personal, Real Estate ) in this case an Auto Loan. 

THIS IS NOT MY LOAN OR ACCOUNT AS ANY TYPE OF RESPONSABLE PARTY An auto loan shall have a endorsed and signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note for all consumer loans. The endorsee and signers by all parties would be the Borrowers, Co-Borrowers, and or Guarantors. 

In this case the auto loan with Pentagon Federal Union a request was made to them to provide actual proof that the reporting guarantor did actually make this loan by providing a copy of the signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note. Which they have fail to do.

The only documentation they were able to provide was a Notice to Guarantor from Pentagon Federal Credit Union and a check cashed and signed by another person identified as the borrower of the loan which happens to be a relative of mine. 

To note the Notice to Guarantor from Pentagon Federal Credit Union clearly states the notice is not the contract that makes you liable for the debit. It also further states that the sign promissory is the actually agreement and contact of liability of such a loan and debit. 

Theyre failure to provide any such proof and supporting require documentation clearly shows that I XXXX XXXX am not liable for or agreed to this said such loan. 
That I never agreed to finalize and or accept any loan, nor did I sign or agree to any legal loan documentation such as promissory note, a Truth-In-Lending, Security Instrument as a Borrowers, Co-Borrowers, and or Guarantor which is required by law. Nor did I XXXX XXXX sign for, accept, and or cash any check or instrument in this supposed Auto Loan.

See attach documentation I was able to obtain which clearly supports my dispute. 

If the creditor disagrees with my dispute I demand them to present a signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note by me XXXX XXXX as a Borrower, Co-Borrower, and or Guarantor which is required by federal and state lending laws. Failure to do so again will support my claim that this loan being reported in not mine nor do I have any liability to such said loan. 

Under the Fair Credit Reporting Act, Consumer Protection Act, and other Federal and State Lending and Financial laws and guidelines they Pentagon Federal Credit Union have fail to follow and adhere to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
This complaint involves XXXX XXXX, a sneaker seller who was found to be a Ponzi scheme and is currently under FBI Investigation. 

All consumers who purchased from XXXX XXXX had to pay via PayPal. Once the merchant declared bankruptcy and was put into receivership, each of us had to file purchase protection claims with PayPal for non-delivery of goods. 

Although PayPal has a written policy of how they handle situations like this, they applied the policy haphazardly and selectively, which constitutes discrimination. 

I am part of a XXXX group of several thousand affected individuals which can provide ample testimony and photographic proof of these claims. 

Some people received refunds for charges made less than 180 days of their complaints, which are in accordance with PayPal XXXX XXXX policy. Others received refunds for purchases made greater than 180 days of their complaints, which is not consistent with PayPal policy. 

Many people, including myself, received a blanket decision denying our refunds, even though they were made in the specified time frame. Without any discussions with the affected individuals, PayPal decided to label everyone as a " reseller, '' which automatically denied their claims. As a member of the XXXX group, I have evidence of PayPal allowing refunds to actual resellers, while denying refunds to people after accusing and incorrectly labeling them as resellers. 

PayPal does not apply their policies to all users uniformly. This is duplicitous, immoral, and a violation of the trust given to them by the people who use their platform. Their policies constitute discrimination, which should be investigated and prosecuted on behalf of the American people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I already sent few rounds of dispute about them. So many negative accounts on my name! They are not mine, I have never get it. Im sure that someone hacked my account and used my private 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 explanation
Consumer complaint received 2022-09-01
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I need assistance from your office asking Wells Fargo Mortgage to reinstate the initial Mortgage rate ( My loan is an XXXX ARM 30 years Mortgage loan, supposed to reset this year, XXXX or XXXX, XXXX  ) that they sent on their mail sent on XX/XX/2022. 
The XXXX XXXX ' they offered me on their XX/XX/XXXX letter was, 3.125 %, letter attached here. later on, they sent another mail on XX/XX/XXXX letter stating my new mortgage rate increased to, 5.25 % effective XX/XX/2022 from my current rate of 3.25 %. 
As a result of this rate increased by Wells, My new payment will be, {$4300.00}, effective XX/XX/2022, according to their letter dated XX/XX/2022. See below all details of my mortgage with Wells incl letter from Wells Fargo. 

Wells fargo sent second letter via dated XX/XX/2022 stating that your 'new rate ' is 5.25 % ( see attached letter named ; 'WellsFargo ... -New.pdf '' ). All of a sudden they reset my ARM Mortgage Loan to a higher rate, increased by 2.125 % from their initial letter ( see Attached named ; " estimated arm..pdf ''. 

I would like your office to intervene on my behalf asking Wells Fargo Mortgage to reinstate the prior rate of 3.125 % stated ( as my 'New rate ' ) that they sent to me via mail dated ; XX/XX/2022. See below all details and attached have their contact details and I have copied my Wells Fargo Mortgage XXXX, XXXX XXXX as well. 

Mortgage Details : Name ; XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Home Loan Financed by : Wells Fargo Loan No. : XXXX Wells Fargo Contact no : XXXX XXXX XXXX Wells Mortgage XXXX XXXX XXXX XXXX ( may no longer working ro Wells anymore ) Loan Type : 7 years ARM, 30 years Mortgage My Current ARM Rate : 3.25 % My current Monthly Payment : {$3.00} -- -- - New Rate ( as per Wells Fargo Mail sent on XX/XX/2022 ) : 3.125 % New Rate ( as per Mail sent on XX/XX/2022 ) : 5.25 % My Proposed Monthly Payment effective XXXX, XXXX  : {$4300.00} -- - Increase of rate 2 %, which is unacceptable. 
Increase of Monthly payment by : $ XXXX, Increase of that much is unacceptable, sice they initially informed me a rate that my loan will reset at, come XXXXXXXX XXXX 

Please help asap. They are trying to force me to pay this rate effectively, XX/XX/XXXX payment. You can reach me at XXXX XXXX for any questin that you may have Thanks XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2017-08-28
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have been treated poorly every time I interacted with this company as if I am not a customer at all and they are offering me welfare or something. 
I was misled about the details of my first car a XX/XX/XXXX Nissan Sentra and when I declined the extended warranty I was told I would get a XXXX refund that would lower my payment. this never happened and the money went to Nissan Motor acceptance who did not even credit me 1 payment. 
Now my car was in an accident and my insurance company is totaling the car. I received confirmation that they paid Nissan Motor Acceptance over XXXX on my loan and Nissan is harassing me for payments on the car even though they just opened a new loan for my replacement car. they are going to ruin my credit for being a second time customer. I also have gap insurance and the company has made completing my claim almost impossible asking me for documents only Nissan and my insurance company have. My insurance company said they will send them the ones they have but Nissan is doing nothing to help me on their end but threatening my credit. I can not afford to make two car payments. Nissan promised me this would not happen. Nissan Motor acceptance has been borderline abusive in their handling of my accounts and treatment. It has been an emotional assault on me and causing my health problems. I can not believe how horrible they treat their customers. Cold and unfeeling. If I can warn every person I meet for the rest of my life it wo n't be enough.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation