BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-05
Company: LoanCare, LLC
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I completed a loan modification with a previous service provider ( due to a chapter XXXX bankruptcy in XXXX ), XXXX XXXX in XXXX XXXX, my trial payments were {$1000.00}. LoanCare purchased the mortgage and immediately put my loan into loss mitgation where they have been reviewing and asking for documentation that XXXX had already obtained. As of XXXX XXXX, XXXX my loan has been with their underwriter. There has been no decision. It is my understanding that the loan servicer has 45 days under Federal Law and that they were supposed to honor the previous loan modification done by XXXX. None of this has occurred. I have attempted to make payments but have been told I ca n't because the loan is with the underwriter and the amount has now gone up to over {$1200.00} due to statements I am now receiving, this has resulted in me falling a couple more months behind, despite my best efforts to resolve this issue. I have contacted LoanCare multiple times via phone over the last 45-60 days, and have never received a callback from their loss mitigation or my single POC. 

In the most recent conversation today XXXX XXXX, XXXX, one of the customer service reps, when I informed her I was looking into federal and legal resolution told me " you have to do what you have to do. '' To me that symbolizes LoanCare 's commitment to customer service, which is ZERO. I have the documentation from XXXX, proof of my 3 trial payments being paid successfully, proof of being accepted into their hardship program and then proof of LoanCare raising payments and not honoring the approved hardship which I will be happy to provide if they require that information ( even though they should have received it from 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 2017-09-05
Company: JPMORGAN CHASE & CO.
State: AR
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:
Payoff was sent via XXXX XXXX and received by Chase Auto Finance on XX/XX/XXXX. This has been confirmed by XXXX XXXX and Chase has acknowledged that the address was the correct address. Before we sent the payoff we called Chase and they said if we included the Confirmation Number Chase provided with the payoff quote, it would be credited upon receipt. Today, my account still shows past due for the payment due XX/XX/XXXX. I called once again, after calling several other times, and sending several secure messages on Chase 's  site. Today, the Senior Customer Account Rep tells me the payoff was sent to a bank in Oklahoma because they could n't figure out what the check was for. Strangely, they could tell me the check was sent back by looking at my account, but they could not figure out how to credit the account. The check was issued from a bank in Arkansas. I have received several messages from Chase but none of them explained to me that the check had been sent to a bank in Oklahoma. I have talked with them several times in the last three weeks and until today no one told me they had sent the check back on XX/XX/XXXX. I do not want my credit ruined due their mistake. Additionally, we sold this vehicle to an individual who is unable to register the vehicle, because Chase has not credited the payoff and released the title. This is not the first time Chase has disappointed us. Someone needs to investigate them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: EQUIFAX, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am a victim of identity theft. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. 
XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: Experian Information Solutions Inc.
State: NJ
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:
I submitted a complaint about an car dealer submitting my credit to banks when I did not authorize it. And your company denied my request to have them removed. Like i stated in the last complaint that I DID NOT AUTHOIRZE THEM TO SEND MY CREDIT TO ANY BANK OTHER THEN XXXX XXXX BECAUSE I ALREADY HAD A PREAPPROVAL FROM XXXX XXXX!!! But whoever responded to my comlaint did not read it!! ILL SAY AGAIN THAT I DID NOT AUTHORIZE THEM TO SEND MY CREDIT TO ANY BANK OTHER THEN XXXX AND I TOLD THE SALESMAN THAT AND HE AGREEDED NOT TO. THEY ARE DOING SHOTTY BUSINESS!! I WILL FILE SUITE AGAINST EXPERIAN AND THE CARD DEALER IF I HAVE 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 2022-07-17
Company: Open Dealer Exchange, LLC
State: TN
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:
Went to dealership 2020 was promised and guarauteed my credit would only be ran inside the dealership. Instead unknowningly and without my permission, it was ran through mulitple finance companies. Following companies are below! 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: EQUIFAX, INC.
State: NC
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 have disputed multiple times with Equifax to remove a medical collections from XXXX XXXX XXXX ( it placed at the credit bureau from Collector - XXXX XXXX XXXX ). 

I have spoken with XXXX XXXX XXXX Billing dept and they have informed me they have requested that the collection agency they use ( XXXX XXXX XXXX ) PULLED/REMOVE the collection from my credit report as it was pulled back " in-house '' into their office and was satisfied and should NOT be reported to the credit bureau. 

Each time I disputed the item ( based on my conversation with XXXX XXXX AS WELL AS MY conversation with XXXX XXXX ), Equifax does NOT Remove the item from my credit report. 

I have a letter from XXXX XXXX XXXX ( that they requested Equifax to PULL/REMOVE the collection from the Equifax b/c they had sent the concern bACK to XXXX XXXX and I also have a letter from XXXX XXXX Billing department that the collection should be REMOVED from the credit report. I do not know WHY Equifax is refusing to remove it!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Have Asked XXXX, TransUnion XXXX XXXX to re-investigate the information on my credit report and I know the information is incorrect but they all reported back to me that they verified the information on my credit report. So I am here today to report information that has not been fixed and would like to remove all accounts and negative items on my credit report.

15 U.S.C 1681i States that I have the right to ask for a Reinvestigation ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation

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 2017-09-12
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I applied for the PSLF program and was rejected based on " no eligible loan type ''. The rejection letter directed me towards direct loan consolidation - however, I have already been making payments on a consolidated loan since XXXX. According to all information I have been given thus far, my loan type should be eligible. I am wondering if/ why the information was reported incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: BBVA FINANCIAL CORPORATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/XXXX two charges for XXXX purchases have been made fraudulently by unknown sources. I contacted XXXX about the incident and they said they would reverse the charges and investigate. They also told me to get in touch with XXXX Customer service, which I did. When I spoke with XXXX customer service, they did verify that I did not make these purchases and that the order was sent to someone in Michigan. ( I do n't know anyone in Michigan ) So  clearly someone stole my money and sent themselves some XXXX products without my permission. This has happened with my other bank as well, but they always come back and reversed the charges and I always had my refund back without an issue. XXXX reversed the charges on XX/XX/XXXX for both charges of : {$200.00} and {$160.00}. On XX/XX/XXXX, XXXX took my money out again and said their investigation said I made these purchases, WHICH I DID NOT. They said there was n't enough evidence for them to leave the funds alone. When I asked XXXX CUSTOMER SERVICE how I could get more proof since I DID NOT make this pruchase? The only proof I had was from XXXX CUSTOMER SERVICE saying that the package was shipped in MICHIGAN, not to MiNNESOTA. So long story short, XXXX took my money from a fraudulent activity on my account and they never returned it ... So I am out {$400.00} some dollars and I had to close my account because they could n't help me further..That 's how XXXX their bank is..So if you bank with them, and you get a fraud on your account, Do n't expect to get your money back from XXXX. They take your money regardless if it is a fraudulent activity or not. What do you do when there is no solution? Closing my account was the only thing I could think of. XXXX was HELPLESS. Do NOT bank with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear Sir, Ditech is my 2nd mortgage company. I was XXXX for 8 months. I applied for hardship loan modification, sent in all the paperwork. When I started working in XXXX I called to let them know. they requested paperwork for modification. They kept losing my paperwork and assigning different relationship managers. I followed up constantly. This went on for several months. Today, I called and they said my modification was denied because Im working and make enough money to support my monthly payment. they now want me to pay {$7000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Experian Information Solutions Inc.
State: CA
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 Have Asked XXXX, XXXX XXXX Experian to re-investigate the information on my credit report and I know the information is incorrect but they all reported back to me that they verified the information on my credit report. So I am here today to report information that has not been fixed and would like to remove all accounts and negative items on my credit report.

15 U.S.C 1681i States that I have the right to ask for a Reinvestigation ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation

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 2017-10-17
Company: Experian Information Solutions Inc.
State: NC
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 have disputed this account on many occasions with XXXX, Experian and XXXX  and each time it comes back as Verified. 
Creditor reports Date of Last Payment XXXX payment history has No Reporting

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 2022-07-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Citizens Bank has violated my federally protected consumer rights under section 15 USC 1681 states I have the right to privacy. 15 USC 1681 602a states a furnisher can not furnish and account or personal information without my written instructions. I didnt give Citizens Bank written instructions to furnish my account and personal information to XXXX XXXX I have disputed these federally protected consumer laws with respect to this item on my XXXX consumer report with Citizens Bank multiple times within the last six months with no response from Citizens Bank. Citizens Bank continue to violate the FCRA law and my federally protected consumer rights under the laws I have stated. According to the FCRA these violations can result in monetary damages of a {$1000.00} for each violation. I am also requesting that Citizens Bank pay me {$1000.00} for each FCRA violation with this dispute after multiple attempts to resolve this issue with no response from Citizens Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Experian Information Solutions Inc.
State: NJ
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 act XXXX XXXX XXXX # XXXX has violated my rights. 15u.s.c 1681 section 602 .A states I have the right to privacy. 15 u.s.c 1681 section 604 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 explanation
Consumer complaint received 2022-07-17
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: TN
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 accounts in collections with inaccurate information reporting, Please send verification or agreement stating the transaction or buisness weve done together. If can not provide accurate legal statements please remove within the legal time frame.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: WELLS FARGO & COMPANY
State: NE
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I called Wells Fargo IRA Customer line and was looking into what was needed to withdraw funds from this account as I was in a situation where I needed the funds as soon as possible. I was told there was a hold on my account and I needed to fill out a CIP form. The rep told me that it would take 2-3 business days, but once I filled out the form and emailed it back to her I should call back to possibly get expedited. I filled out the form and emailed back within three hours. I called the Wells Fargo IRA number back and the rep I spoke to told me that there was no way to expedite and that I needed to wait. Given this was a critical situation I asked to speak with a supervisor to talk to someone with a better understanding. The rep refused to transfer me and told me they would call me back. I still have yet to receive that call. That same day I called my local branch who informed me that there was additional paperwork the initial rep did n't tell me about. So I ended up going in, filling out, and faxing those papers at that branch ( still on Thursday ). I was told at the branch that if I was lucky the documents could be processed on Saturday and to call the Customer service line I had called before. I did this on Saturday XX/XX/XXXX and the rep at that time told me it could take 5-8 business days. At this point I was frustrated at the misinformation from the two reps, but let it slide. I called back on Tuesday XX/XX/XXXX to see if the hold was removed. At this time I was now told that it would take 7-10 business days. My frustration has now reached a tipping point. I keep getting lied to and deceived by this company and nobody seems to give me the same information twice. In a situation that was an emergency this company has continued to give me the run around. I called their complaints department who documented the situation but merely transferred me back to that dept who told me, once again, that a supervisor would call me and that it could take up to 24 hours. Wells Fargo either has inconsistent training or their reps are flat out lying to me and when you are in a situation where you need to know this just does n't cut it.

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 2022-07-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
We have a Premier checking account and a XXXX credit card account at HSBC US as we are frequent travellers. Using the card for online purchase ( e.g. flight tickets ), at the time of payment after being redirected to the XXXX interface, when the pop-up windows appears to elect the second authentication method ( SMS or voice call ) I am always presented three time the same phone numbers in the drop box instead of showing us our three different phone numbers. Although we have well entered our various phone numbers in the online bank account, in the personal detail page ( see attachment ), it only reflects one single option repeated three times. We keep always three different operational numbers to make sure we are not stuck in case of roaming issue with one telecommunication operator while abroad or in case of excessive delay for the SMS sending the 2FA code to reach us. We escalated this problem over the past but it has not been corrected since. It has to be noted that before Covid-19 this was working well two years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Experian Information Solutions 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:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the homebuying process. I have reported the theft of my identity to the XXXX XXXX XXXX, please review the enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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