BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, AND ACCOUNTS THAT SAY CHARGE OFF AND ACCOUNTS THAT DONT BELONG TO ME. AND A CHAPTER XXXX LISTING THAT IS INCORRECT NOT MINE. A LETTER OF EXPLANATION IS ENCLOSED.

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 2017-02-02
Company: JPMORGAN CHASE & CO.
State: MO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I applied for a credit card at Chase Bank. They needed additional documents to verify my information. The first letter indicated that they needed my photo ID and proof of residence. I sent them my passport and utility bill. A while later, I get a later saying that they ca n't read my passport. I call to ask why that 's the case. Turns out, they need my social security number verification. My passport photo was actually fine. This was already one month into the application process. I send them a fax of my social security card. They swore that they received it. I call 3 weeks later because I still have n't heard from them. They then say they never received it in the fax. I send them one in the mail. I call them on XXXX/XXXX/XXXX ( I applied for this card around XXXX time XXXX ). They tell me that I will find out about the status in 1-2 weeks. They are legally obligated to tell me whether I got rejected or accepted. I do n't hear anything on XXXX/XXXX/XXXX. I call the bank again. The gentleman checks the status, says that I have been rejected because they could n't verify my information and the application has been closed. I ask if he can send me a letter explaining why I have gotten rejected. He says he can not. I told him he 's legally obligated to do so. He says yes he is, but he still wo n't send me a letter. I asked to speak to his manager. He said his manager is unavailable, so he will call me back. I did everything I can to apply for this credit card. I have a superb credit score - XXXX. I have a credit card through XXXX XXXX XXXX. I pay my bills every month. I deserve a reason why the incompetent bank can not verify my identity even though I followed every single step they have asked me to poorly communicated with me to do so. I had to call them every week to check the process because they were very unhelpful with the application process. Every step of the way, they were n't clear what they needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: EQUIFAX, 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 status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX -Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: ENOVA INTERNATIONAL, INC.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed {$1800.00} from CashNet USA and have repaid {$2000.00}. The company has received ALL of its loaned amount back plus some. The problem is it still plans to collect another {$1300.00} meaning it will get {$3300.00} for the {$1800.00} borrowed. This is outrageous!!! 

Given the current state of our world, I beseech Cash Net USA to settle my account with one more payment by me paid via check in the amount of {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
At the beginning of the pandemic approx. XX/XX/2020mortgage companies offered their customers a break from payments if they were affected by the pandemic negatively. That break was called a forbearance. I was offered a forbearance and took it. I had asked the mortgage company if it was all going to be due at once or if other arrangements could be made. They assured me that other arrangements could be made for repayment other than a lump sum. These other options included modification, or adding the payments to the end of the loan. The total owed after twelve months is around XXXX, They will not offer me any options other than lump sum repayment or sale of property. I feel as though they are going to steel my home. I have been here for 25 years. What an abuse of a system that was supposed to be used to help people keep their homes not loose them. Please look into this. The company is called Specialized Loan Servicing. Phone number is XXXX XXXX XXXX XXXX. I also have a second mortgage on the home with XXXX, and they modified my loan as described with no problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card
Issue: Bankruptcy

Complaint:
I had a reward card for numerous years. I had built up a substantial rewards balance on the card. This card was usually always paid off monthly. The charges were substantial. As the result of losing a contract and closing a business with XXXX locations I was forced to file chapter XXXX protection. There was no balance on the credit card company, in fact a small credit balance. Immediately on filing chapter XXXX the credit card company closed my account and said I forfeited my rewards points. This feels like fraud to me and very unethical. The card was used, they made their money on the businesses, I owed them no balance. This was over XXXX points. I 've spoken with the company and XXXX different customer service reps and told the same thing that I forfeited the points. If this is legal then it should be made illegal as its certainly unethical.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-27
Company: Stenger & Stenger, P.C
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company keeps sending mail and calling my phone to collect a debt of a family member. I sent a cease and desist letter and the address of the person but they keep sending mail and calling my phone

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Diaz & Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a letter from Diaz & Associates XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX and it looks to be a complete scam. They sent a letter saying I owe {$1400.00} on a credit card account that was opened in XXXX and settled in XXXX with the original creditor. They tell me they'll settle for {$510.00} if I pay by XX/XX/XXXX. Not only is this a complete scam, this is 15 years past the statute of limitations. It's predatory. It's not a debt owed at all because it was already paid almost 15 years ago. Y'all have to to go after and put a stop to this type of stuff. Several people are posting online they've experience the same thing from this company. I don't even know if they're real. Who really does?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I owned a condo in XXXX and had decided to rent it for two years. In XXXX XXXX my tenants stopped paying rent and I was not able to pay mortgage since sine was the income I relied upon. At this time, I also had the property listed for sale and was receiving many offers and knew a deal would close soon. As soon as I knew I would have a problem paying mortgage I called Wells Fargo to see if there was anything they could do to assist. I had been a loyal customer for 8 years and had never missed a payment once. I was told that since the property was listed I did not qualify for any of their assistance programs. I received calls day and night from Wells Fargo representatives trying to collect the debt and each time I spoke with the representative I explained the situation and asked if there was anything I could do. Each time I was told the only resolution was to pay the debt in full or they would report the delinquencies to the credit bureaus. I was unable to pay mortgage for 4 months and as a result my credit score suffered a major hit and fell XXXX points. XXXX XXXX I called several New York State agencies trying to see if I could get help and was referred to HOPE. I spoke with one of the counselors, explained my situation and together we called Wells Fargo to see if they would assist. While the HOPE agent was on the line, we were told that nothing could be done to help me since the property was listed. In XXXX XXXX I received an email from Wells Fargo stating that I had been approved for a streamlined modification. I was surprised because the property was still listed, and for moths I was rejected from receiving any assistance and had n't applied for this modification. When I called to speak with a representative I was told that I qualified for the program because I had n't missed payments in the past. I asked why I was n't advised of this program back in XXXX XXXX when I first reached out for help and was not given an answer. Had I been advised that I qualified for an assistance program, I would have been able to work with the bank while the sale was pending. Instead I was ill-advised and as a result my credit suffered. Now that my property has sold and I want to purchase a new home, I can not do so because my score is very low. I will have to pay very high interest rates if I can even secure a new loan. I worked very hard for years to maintain an above average score and because I was rejected from a benefit I should have received I am now suffering this financial injustice. When I initially called Wells Fargo in XXXX XXXX I should have been advised what my options were but instead I was rejected and my credit suffered. Having been a loyal customer for 8 years I am shocked that the bank has neglected to service me properly and put me in such financial jeopardy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: WELLS FARGO & COMPANY
State: OK
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
My husband and I, Remortgaged our home back in 2005 with Well Fargo MortgageCompany. With the interest rate of 8.125 %. They have not reported nothing XXXX,, since we have had Them as our mortgage coThey, take our payment directly out of our Bank Account on the XXXX day of eachmonth. And has done this for the last 10 years. The beginning balance was XXXX back in 2005. I, have not received no Statements of how much we, stillowe, Its been about 7 years ago, since I, have seen a statement from them telling usthe amount we still owe. We have only received our yearly Mortgage Interest Statementat the year end for our yearly Income Tax Report. We get our Bank Statement each month showing our withdrawal from Wells Fargo where they where they have taken the money our of our account .The rate has been 8.125 % since we have had themortgage with Wells Fargo XXXX Even when ever body else was paying 2.5 %. 
Not getting no monthly statements, or not reporting XXXX that our credit score could be a lot better. 



Would Appreciate any help that we could get. 

Thank You.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 a XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX credit card on my credit report. It is showing several missed payments on my credit report even though I havent missed any. I contacted XXXXXXXX XXXX and they stated that the missed payments arent showing in their system and that they dont know why my payments were being reported as missed and that I need to contact the credit bureaus. I have called Transunion and XXXX several times, disputed the incorrect information, and wrote letters trying to resolve this. They refuse to remove these false missed payments. 

XXXX has 10 missed payments XXXX has 10 missed payments XXXX XXXX has 8 late payments XXXX has 10 missedpayments XXXX 9 missed payments XXXX 12 missed payments Also theyre are 4 accounts on my credit report that are not my accounts. I have disputed this information many times but the credit bureaus refuse to remove them even after proving that I never opened any of the accounts. The accounts are listed below. 

XXXX XXXX - 2 Credit cards XXXX US Bankruptcy Court

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 2022-04-14
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These accounts below are the name of all inquires that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: HW Holding, Inc
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Contacted several times that amount was not owed. One of the rental agent explicitly stated that amount is not owed. The collection agent which is a separate agency and that it seems that it has a private arrangement with another rental agent. States that this amount is owed. However justification has Never been submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Rozlin Financial Group, Inc.
State: IL
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:
Ive been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. This is causing emotional distress and a violation of my rights via the FAIR CREDIT REPORTING ACT. I am taking legal action to resolve this deletion of the unverifiable negative items from my consumer report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: EQUIFAX, INC.
State: VA
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 a XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX credit card on my credit report. It is showing several missed payments on my credit report even though I havent missed any. I contacted XXXXXXXX XXXX and they stated that the missed payments arent showing in their system and that they dont know why my payments were being reported as missed and that I need to contact the credit bureaus. I have called Equifax several times, disputed the incorrect information, and wrote letters trying to resolve this. They refuse to remove these false missed payments. 

XXXX has 10 missed payments XXXX has 10 missed payments XXXX XXXX has 8 late payments XXXX has 10 missedpayments XXXX 9 missed payments XXXX 12 missed payments Also theyre are 4 accounts on my credit report that are not my accounts. I have disputed this information many times but the credit bureaus refuse to remove them even after proving that I never opened any of the accounts. The accounts are listed below. 

XXXX XXXX - 2 Credit cards XXXX XXXX Bankruptcy Court

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-05
Company: WELLS FARGO & COMPANY
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I BOUGHT A USED XXXX HYUNDAI SONATA SEDAN VIN NUMBER IS XXXX.FROM PLATINUM PREOWNED LLC, FINANCED THROUGH WELLS FARGO DEALER SERVICES ON XXXX/XXXX/XXXX, THE TEMPORARY REGISTRATION WAS DUE IN XXXX XXXX XXXX, ON THAT DATE THE PERMANENT REGISTRATION WAS NOT SENT TO PENNDOT THE DMV FOR PA, I WENT TO THE DEALER AND THE DEALER IS PLATINUM PREOWNED LLC, XXXX XXXX XXXX XXXX XXXX, PA.THEY CALLED WELLS FARGO DEALER SERVICES. MY ACCOUNT MANAGER SAID THEY HAD YET TO SEND THE TITLE TO THE DMV, I SHOULD DRIVE THE CAR IT IS STILL LEGAL, I CALLED THE DMV MYSELF AND THEY RAN MY VIN NUMBER THROUGH THE SYSTEM AND SAID THE VIN IS NOT IN THE SYSTEM BECAUSE THEY HAVE NOT GOTTEN THE TITLE FROM WELLS FARGO DEALER SERVICES, I AM A TRUCK DRIVER AND I ASKED PENNDOT THE DMV IF IT IS LEGAL TO DRIVE THE CAR THEY SAID NO, IT IS NOT REGISTERED. IF I DO THAT MY LICENSE WILL BE SUSPENDED. SINCE XXXX I HAVE BEEN MAKING MY MONTHLY PAYMENTS TILL TODAY AND I HAVE NOT BEEN ABLE TO DRIVE THE CAR FROM XXXX XXXX XXXX TILL XXXX XXXX, I HAVE CALLED THE SAME THING THEY SAY THEY ARE SORRY AND STILL THERE IS NOTHING THEY COULD DO AND I TOLD THEM THAT OK IF THIS IS WHAT IS GOING ON, WHY AM I PAYING FOR WHAT I CA N'T USE? AND IT IS NOT MY FAULT BUT THEIR FAULT FOR NOT SENDING THE TITLE TO THE DMV ( DEPARTMENT OF MOTOR VEHICLE )?. THEY SAID THEY WANTED TO CHANGE THE NAME ON THE TITLE TO MINE AND THEIRS TO REFLECT THEY ARE THE FINANCIER, AND I ASKED THEM IF THEY HAVE BEEN TRYING TO DO THAT SINCE XXXX AND WHEN MY TEMPORARY REGISTRATION IS DUE IN XXXX, AND I HAVE BEEN MAKING PAYMENTS EVEN WHEN I COULD NOT DRIVE THIS CAR SINCE XXXX AND I COMPLAINED AND TOLD THEM I AM NOT ABLE TO GET TO WORK THAT IS MY MEAN OF TRANSPORTATION AND AM STILL PAYING OUT OT POCKET TO FIND FRIENDS TO TRANSPORT ME TO WORK WHICH IS LIKE XXXX MILES BOTH WAYS. THEY WILL TELL ME THEY WILL MAKE A NOTE AND THEY STILL CHARGEED ME LATE FEES WHICH I PAID. I CALLED AND SPOKE TO XXXX IN TITLE DEPARTMENT, XXXX, XXXX THEY ALL TOLD ME THERE IS NOTHING THEY CAN DO, THEY ASKED ME TO CALL XXXX XXXX, I CALLED AND I SPOKE TO XXXX AND SHE SAID WILL SEND OUT AND EMAIL AND CALL ME BACK, SHE NEVER CALLED ME BACK NO ONE CALLED ME BACK. WELLS FARGO DEALER SERVICES CALLED THE DEALER I BOUGHT THE CAR FROM AND ASKED THEM TO COME AND REPO THE CAR FROM ME THAT I DID N'T MAKE PAYMENTS. WELL FARGO DEALER SERVICES SENT THE TITLE TO THE DEALER FROM THEIR NEW YORK OFFICE AND THE DEALER GOT THE TITLE ON XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Reason for Contact : To file a complaint against Wells Fargo Home Mortgage. The matter does not concern the mortgage directly, but it involves their policy in change of flood insurance requirements. Due to their lack of notifying their customers in a timely manner it causes the customers additional out of pocket funds. I received the attached letter XXXX XXXX, dated XXXX XXXX, XXXX that the new policy was in effect as of XXXX XXXX, XXXX. The receipt of this letter was about a month after the effective date and 19 days after my flood policy renewal date. Had I received this letter the beginning of XXXX I could have recalculated accordingly and not have over paid for flood insurance. When I contacted Wells Fargo 's customer service, even though they were apologetic, I was told that there is nothing they could do about it. I was also told if I provided XXXX with a copy of this letter that I could be reimbursed for the over payment of flood insurance. My insurance man submitted all the forms to XXXX and was told it can not be done until the next renewal date in XXXX, meanwhile I 'm out the extra money and feel Wells Fargo should be held accountable for their actions. How can they keep treating their customers with such a lack of respect and continue to get away with it? They need to be held accountable!

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 2020-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I submitted a fraudulent account called XXXX/XXXX  on XX/XX/2020 to TransUnion but TransUnion has taken more than 30 days to investigate and today is XX/XX/2020 and this account is still not removed from my credit report.

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