BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2018, I settled my debt with XXXX XXXX through its collection agent, XXXX XXXX XXXX. I have been trying to get TransUnion to fix that information since then. I have disputed the information more than once and provided them with WRITTEN PROOF of the settlement. Despite this, they keep saying that the information is being verified as accurate. I have a separate complaint filed against the original creditor and the collection agency regarding that. But how can TransUnion ignore my WRITTEN PROOF? What is the point of disputing inaccurate information if the reporting agency ignores written proof? I feel like this is a willful FCRA violation.

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 2017-05-11
Company: Navient Solutions, LLC.
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
At  XXXX  today, Thursday,  XXXX   XXXX ,   XXXX  , I received a call from an  XXXX . Since I do not answer calls from numbers I do not know, it went to voicemail. The message was left from "  XXXX  '' at Navient (  XXXX  extension  XXXX  ) regarding " an urgent matter '' about my live-in girlfriend 's private student loan. The call was made to my cell phone which I use for work. I am not a borrower or co-signer and I never provided my phone number to them. They have no business contacting me as I have no business with them. If they continue to call me, as they do to harass her, I will be forced to pursue legal action. I do not want to be contacted by Navient again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under 15 USC 1681 ( b ) - Permissible Purposes of consumer reports, ( a ) In General Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


I did not give my written consent for anyone to report anything to my consumers credit report. No consent is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: BMW Financial Services NA, LLC
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XX/XX/XXXX I came to a dealer of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, I purchased a car for {$27000.00} a XXXX XXXX serial no. XXXX. After signing the installment contract at XXXX XXXX the very next day which would be XX/XX/XXXX I came into the dealer to exercise my right to rescind the contract within XXXX hours of the signing this contract after I noticed that the dealer and the co-conspirator XXXX Financial Services committed appraisal fraud. During XX/XX/XXXX I came into the dealer to speak to the finance manager and informed him that I was exercising my right to rescind the loan he informed me that I could not rescind the loan because it was funded. I then insisted that the law was clear that regardless of the funding I had XXXX hours by state law to rescind the contract they then started harassing me regarding rescinding the contract and the deal and to prove that they were wrong I went to XXXX and got an appraisal on the car that they sold me and the appraisal offer was {$14000.00}. I am victim of predatory lending, appraisal fraud and a victim of being denied my right to rescind a contract within the XXXX hours that the law provides. The refused to follow the laws that are in place to protect consumers. As a consumer I have the right to rescind the contract and also when I spoke to XXXX XXXX XXXX he informed me that that right was not available to me because the loan was funded. I then informed him that that was a violation of the law, and he ignored my request to contact management regarding the appraisal fraud and the right to rescind. I will be providing a copy of the installment contract, the retail buyers order and a copy of the XXXX Appraisal. I also contacted XXXX financial services, and the letter dated XX/XX/XXXX they basically said they took an assignment of the contract and that is completely wrong because they funded the loan and they would not provide me a copy of the appraisal or the loan value guidelines to fund this loan. What I have here is a dealer that is violating the law and victimizing consumers and its coconspirator XXXX Financial Services engaging in this type of consumer victimization. In their correspondence they provided me a summary of the XXXX Used Car Guide regarding the XXXX XXXX adjustment values, that report on the bottom it said appraised value item XXXX in other words they went to a website and printed a value sheet and attached it to the correspondence sheet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I made a purchase with Victoria 's secret credit card which was issued by comenity bank. I was paying balance on credit card every month. Finally I paid what was left in full and get the another bill for {$2.00} finance charge. When I called I was told that previously month I had a balance and that's why finance charges were assessed. According to that logic I will always have balance regardless if it is paid in full. I was told that it does not go indefinitely ( lucky me ) but you have to pay balance in full for 2 consecutive months!?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-20
Company: Alliance One, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Some unidentified agency claiming an association to student loan processing has been robot calling me on a weekly basis for several months WITHOUT identifying who they are! 

I have XXXX instances of this contact recorded on my telephone system. 

The robot states they are attempting to contact my son. When I 've contacted my son, he states that he has ALREADY been in touch with this organization. However, I 've seen NO evidence on my end that they are communicating his activity internally. 

In the past 2 months, I have talked personally to their representative one time and provided him with : - A statement that my XXXX year old son is working with them already - That I have NO responsibility for ANY of his financial commitments - That they MUST cease and desist ALL efforts to contact him through me - That if they failed to heed my request, I would have no choice but to report him for creditor harassment - A lawsuit for mental anguish is a possibility due to disturbance of my peace in my own home resulting out of the non-stop nature of their robot calling - I have NO evidence that this organization is legitimate, so I will NOT provide contact information for my son In addition to this recent personal conversation, I have also " pressed 1 '' as suggested by the robot 's script twice in the past three weeks to respond that I am not the correct person to contact. Each time, pressing " 1 '' has resulted in being routed to a voicemail system where I have reiterated the same information as in the bulletted list provided previously in this complaint. 

It is my belief that I have been more than patient in trying to get these people off of MY back, therefore I am making this step in an effort to get relief. 

If they continue harassing me, I will seek legal counsel in an effort to speak their language by seeking monetary compensation for their harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On  XXXX / XXXX /  XXXX   I went to Bank of America, located on  XXXX   XXXX   XXXX ,  XXXX , FL  XXXX  in order to obtain a signature guarantee to transfer funds from my  XXXX  IRA account to my ex-wife 's  XXXX  IRA account, in accordance with the " Consent Final Judgment of Dissolution of Marriage. I was referred to a Merrill Lynch associate -  XXXX   XXXX . The service was denied to me in spite of the fact that I had all documents they need it to perform it and they were available to him. I was asked if I have an account with Merrill Lynch. My answer was " No '' moment when I was told he can not perform the request and I was asked to try other Financial Institutions ( which I did  ).  I wandered what the would 've been if i had an account with Merrill Lynch which is part of BOA. Fortunately, my ex-wife has an account with  XXXX   XXXX   XXXX  and based on the documents I had they performed that "  Signature Guarantee '' in less than 15 minutes. Under these specific circumstance I want to complain about the way Merrill Lynch, part of Bank of America tries to force consumer to buy their products. I think was unfair and discriminatory the way my matter was handled by BOA and I will do  everything in my power to correct this way of doing business.

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 2021-12-28
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021, Wells Fargo sent 5 emails with confirmation codes to set up and confirm a new account under MY NAME and EMAIL ADDRESS. A 6th email followed with a notification that the email address had been changed. Made a report to both Wells Fargo concerning the fraudulent creation of an account under my name. They required my SSN to preclude any creation of further accounts and provide a report 6 weeks later on their investigation.

I was able to prove that my email account had not been accessed from any other devices. Also, the first 5 emails all had the identical timestamp. None of the emails required verification codes to be entered at the website. It seemed like the initial steps were automated and then moved to a new email address about 10 minutes later. 

On XX/XX/2021, my credit reports were alerting the creation of new accounts at Wells Fargo. 

An online search indicates others are experiencing the same problem- see 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 non-monetary relief
Consumer complaint received 2015-10-15
Company: Direct Recovery Services, LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I get a phone call today from a number that I did not recognize. I forwarded it to voicemail. The message that was left said that this was a final notice of escalation. I returned the call, the woman, XXXX XXXX, said that I had committed a federal crime and that I could have jail time. I had to pay a debtor that I have not known about previously. When I attempted to talk to her, she would not tell me what company she worked for. She also accused me of being in love with my ex who opened multiple accounts in my name without my knowledge. I have been clearing this up for the past 3 years. She also called multiple people that I am related to, including my boyfriend, my cousin 's husband ( never lived with ), my grandmother ( never lived with ) to date. She called from XXXX. I attempted to call again. No one answered. I was put through to a " XXXX 's '' voicemail.

Company response to consumer: Closed
Consumer complaint received 2017-05-11
Company: EQUIFAX, 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:
Equifax says they are looking into and correcting issues on credit report but yet never do. All they do is either put an update that says client disputes item or they dont make any changes. If the collections agency or lender says the item is correct, they just leave it on there. XXXX XXXX is a collection agency. I have talked to them several times and explained that I have paid debt off with credit card company. Then, they send me a copy of my last bill with XXXX and say it is still valid. i Had 3 credit cards with XXXX XXXX ( one was formerly XXXX ) and I had difficulty paying them in XX/XX/XXXX-XX/XX/XXXX and stopped paying them. Last XX/XX/XXXX, I called XXXX XXXX and paid off all of the debts. They had sold it to XXXX XXXX. I have told them that I already paid XXXX XXXX and they just sent copies of old bills. This is not doing anything since I paid them off last year. I want them reviewed from my credit report. Additionally, it is already reflected from XXXX XXXX that payments were late and charged off but they were settled. This a double negative report on my credit bureau. They also sold the debt to XXXX and other collection agencies for the same amount of money. They also need to be corrected and removed Equifax also refused to take off XXXX XXXX and XXXX XXXX collection agency. They just update that I dispute info. This is not a valid collection and needs to be removed. I dont want it to just say updated. XXXX XXXX XXXX XXXX-two accounts. They were paid off completely and in full. THey are not charged off. XXXX XXXX-They did not verify it belongs to me. XXXX XXXX is saying it is my debt and it is not. They have a judgement against me too and I am working with attorney to have vacated and this removed from credit report. I want to know what steps they take to verify. So all these inquiries need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have applied a mortgage with fifth third bank as I have account with them and I had experience with them is banking service.when I applied for the loan, I checked with loa n officer whethe r there is any issue with my credit or the subject property. Loan officer ( NMLS  XXXX  ) said it looks good. They needed to do the appraisal for the property to review underwriting. before underwriting they have received condo questionnnaire from condo association. I was rejected for the loan. One owner owns  XXXX  or  XXXX  unit in the building and they found that it is not meeting the   XXXX   XXXX   requirement. Then this loa n officer in formed me that they are applying for an exception. Finally they send me the loan rejection confirmation letter.     While I was contcating other lender they asked me about single entity ownership as a first question. Also finally I have received a conventional loan from another bank when they applied for an exception.     This loan office did n't check the very basic information and he asked me to pay for {$490.00} for appraisal which I paid. So I have asked for a return of that money to the  53 b ank board nad they refused to pay back. This loan harrasment and {$490.00} payment happened only due to their fault. Also the loan office lied that they are going to apply for exception and he did n't. he confirmed me that when I called to check.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The reason I am complaining to day is because I went to XXXX XXXX union to close on a loan and when they went to establish membership for me and got a copy of my chexsystems file they denied me based on information that they received from Chexsystems. XXXX is saying that there is an account with XXXX XXXX reporting a {$52.00} charge off. I have never conducted business with this company and I called them to verify with my social if they have me in there system? and they had no record of any account with my social. I contacted the chex systems phone number and gave the representative my information and he was able to pull up my file but found no record of any account reporting a charge off in my name. The bank is requesting a letter from chex systems stating that their are no negative charge offs showing on my report. Chex systems is telling me they will be mailing me my file but this is not going to help me as I am on a time limit in approval for this loan that I have been approved. My father and my brother carry the same name and I am afraid that my information might be getting mixed when financial institutions pull my file. This needs to be addressed with chexsystems.

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 2017-05-11
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan servicer failed to comply with all requirements in 1024.31 Definitions.
For purposes of this subpart : Consumer reporting agency has the meaning set forth in section 603 of the Fair Credit Reporting Act, 15 U.S.C. 1681a.
Day means calendar day.
Hazard insurance means insurance on the property securing a mortgage loan that protects the property against loss caused by fire, wind, flood, earthquake, theft, falling objects, freezing, and other similar hazards for which the owner or assignee of such loan requires insurance.
Loss mitigation application means an oral or written request for a loss mitigation option that is accompanied by any information required by a servicer for evaluation for a loss mitigation option.
Loss mitigation option means an alternative to foreclosure offered by the owner or assignee of a mortgage loan that is made available through the servicer to the borrower.
Master servicer means the owner of the right to perform servicing. A master servicer may perform the servicing itself or do so through a subservicer.
Mortgage loan means any federally related mortgage loan, as that term is defined in 1024.2 subject to the exemptions in 1024.5 ( b ), but does not include open-end lines of credit ( home equity plans ).
Qualified written request means a written correspondence from the borrower to the servicer that includes, or otherwise enables the servicer to identify, the name and account of the borrower, and either : States the reasons the borrower believes the account is in error ; or Provides sufficient detail to the servicer regarding information relating to the servicing of the mortgage loan sought by the borrower.
Reverse mortgage transaction has the meaning set forth in 12 CFR 1026.33 ( a ).
Service provider means any party retained by a servicer that interacts with a borrower or provides a service to the servicer for which a borrower may incur a fee.
Subservicer means a servicer that does not own the right to perform servicing, but that performs servicing on behalf of the master servicer.
Transferee servicer means a servicer that obtains or will obtain the right to perform servicing pursuant to an agreement or understanding.
Transferor servicer means a servicer, including a table-funding mortgage broker or dealer on a first- lien dealer loan, that transfers or will transfer the right to perform servicing pursuant to an agreement or understanding.
OFFICIAL INTERPRETATION TO 31 1024.30 1024.32 SECTION-BY-SECTION ANALYSIS

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 2015-10-08
Company: DISCOVER BANK
State: CT
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
Discover Bank changed the interest rate on my IRA CD from without informing me of a change. I noticed this online when checking my account. Account XXXX. This account was added as a replacement account XXXX due to prior mistake made by Discover Bank. I called the bank to complain on Friday,XX/XX/2015, and spoke to XXXX. I informed her of prior documentation and case information but she was unable to make the correction and advised me that she would follow up with me but I have not received any other communication from Discover Bank. This is unacceptable. 

XXXX from Discover Bank called be back today, XXXX/XXXX/2015, to tell me they do not know what caused the problem. The only way they know how to correct the problem is to open a new CD account and transfer the assets into the new account. XXXX said she could not promise that the same problem would happen again. I told her this was unacceptable, since I was the one who noticed the mistake in the first place, and Discover Bank service is inferior. I requested that she escalate to her management my request for immediately liquidating all of my IRA CD accounts, WITHOUT INTEREST PENALTIES, and let me transfer then into another institution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Applied with 5 different mortgage bridge loan banks. I have NO debt and started with an XXXX credit score. Every time the bank inquired about my score, it went down. Nothing else changed!! I still have NO debt and pay bills IN FULL every month. Why was my score penalized merely for inquiries?

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