BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-08
Company: ENOVA INTERNATIONAL, INC.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have an installment loan with both cash net USA and XXXX XXXX XXXX and due to COVID my spouse is currently out of work. I have reached out to both companies to explain this and to let them know that I would still like to remain an active payer but could only afford a smaller amount per pay period. They have both refused the lower payment amounts but instead have either deferred the payment which is making the interest constantly accrue and they have offered to split the payment up into four payments which means they expect me to pay the regular amount and the split amount once the one payment deferment ends. They keep saying I need to call back if the situation has not changed and I keep getting the same answer and same resolve. It has gotten to the point that I dont feel like I should call them because they are not listening to me at all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am confused by how no one has corrected this problem. I have been studying my credit for the last year and I have come to find out that all three bureaus are not reporting the correct score at all. These establishments have the trust of millions of consumers and they are deceiving us with inconsistencies and incorrect scores. Each bureau reports a score on their website. If the score looks favorable to the consumer, they apply for something that they have been waiting for when their score is up. But, that score is NOT what their score is. So, that consumer gets a inquiry ding that last for years, keeping them with a bad credit score. This has to be fixed. People are in debt because their credit score cant rise because of the misinformation the bureaus are reporting. I have been a victim of fraud on my report for years and just like other consumers, Im tired of it!!! THE BUREAUS ARE NOT REPORTING THE CORRECT CREDIT SCORES!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Last 4 of SSN : XXXX RE : Account Number To whom it may concern, this letter is a formal request to remove the following outdated information from my credit report.

1. DEPT OF EDUCATIONXXXX XXXX XXXX paid/closed ACCOUNTS NEED TO BE REMOVED. THESE ACCOUNTS ARE OUTDATED AND WAS CONSOLIDATED TO ONE LOAN YEARS AGO! This inaccurate information is erroneously affecting my credit report and hindering my credit due to outdated information and incorrect information on my credit report. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C.

1681c ] reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired as of XXXX! 

I respectfully ask you to investigate my claim and if you find my claim to be valid then I expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation. 

Furthermore, after correcting my credit file, I request that you forward a corrected copy of my credit report to me at the address listed at the top of this letter. 

Thank you for your consideration and cooperation in resolving this matter.

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 2023-07-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/23 I drove up to the ATM to make a cash deposit in my business account at the location located XXXX XXXX XXXX XXXX TX. My intent was to deposit {$2000.00} cash that day to the account. I put {$2000.00} in the machine of which it only took {$920.00}. It returned {$80.00} back to me which I kept. It did not account for the {$1000.00} ( all in {$100.00} bills ) nor did the machine give any errors. It just took it. Not XXXX minutes later I pulled over and called the back immediately to let them know what happened. The claim was filed. Figured it wouldnt be a problem Iam sure this happens to alot of people because those machines do not count the money wrong. I know this because its happened to me to me on more than one occasion so I cant be the only one. And because of this I tend to count the money twice sometimes XXXX  times before depositing into the ATM. But this is the first time it actually took my money without returning it all. I was shocked when I called Wells Fargo for an update yesterday and they told me they found nothing. How could this be?

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 2018-04-12
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Submitted a loan modification request for assistance via facsimile on XX/XX/XXXX and have been calling Ditech ever since. Everytime we call they put us on hold and say they are sending for review. Here is the following timeline : XX/XX/XXXX Spoke to XXXX ID # XXXX and he stated the underwriter is requesting the following documents : XXXX ( 4 pages ), XXXX, mortgage statements for other properties, and lease agreements. Faxed conditions to lender at XXXX. 
XX/XX/XXXX Called lender and spoke to XXXX ext. XXXX and he stated the only thing the underwriter is requesting is the XXXX tax returns because the copy they have is missing some pages. I faxed conditions to lender at XXXX. 
XX/XX/XXXX Called lender and spoke to XXXX ext. XXXX which stated as of XX/XX/XXXX notes the file is still pending review from the underwriter. 
XX/XX/XXXX Called lender and spoke to XXXX ext. XXXX and she stated the file is in review with the underwriter and the Loss Mitigation Representative assigned to the file. 
XX/XX/XXXX Called lender and spoke to XXXX ext. XXXX and she stated the file is still in review with the underwriter but she was going to submit an escalation request to see why there has been no movement or no other docs requested. 
XX/XX/XXXX Called lender and spoke to XXXX ext. XXXX and she is actually the relationship manager assigned on this file. She stated the file officially went to the underwriter with all of the documents they needed on XX/XX/XXXX. She said they have been extremely backed up because of the last 3 natural disasters but they are finally catching up on files. 
XX/XX/XXXX Spoke with XXXX at Ditech advised me he needs mortgage statement and property tax for property XXXX and a current lease for property XXXX. Fax to send docs XXXX. 
XX/XX/XXXX Called lender and spoke to XXXX ID # XXXX and she stated the last update was on XX/XX/XXXX and the file is still in review with the underwriter. 
XX/XX/XXXX Called lender and spoke to XXXX ext. XXXX which kept me on hold for 30 minutes to then tell me the same thing as always. She tried to reach out to the underwriter to get an update but there was no update so she sent them an email and it's just the same back in forth every time we call! Will file CFPB complaint. As you can see this has been ongoing and the file has yet to be reviewed. Nor do we even have a written acknowledgement that they received the application for assistance or a letter from them advising any documents are missing.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT On XXXX of 2022 I looked through my consumer report and noticed an alleged debt by the company XXXX XXXX. Pursuant to 15usc 1692a ( 5 ) the term debt means any obligation or alleged obligation of a consumer to pay money out of a transaction in which the money, property, insurance or services You can not obligate me to pay something that I am not the owner of. You have asked me to show proof that I am not the owner of the debt, but I can say this organization does not have proof that I am the owner of this debt. The proof of the person or organization that has ownership of this debt is the owner of the instrument of indebtedness, which is the contract with the consumers signature of his name. If you can not provide this contract, then I am not the owner of this debt. The organization who has this contract is now the debtor. The reason I asked for my signature is because this organization used my signature as a form of transaction to sell to other third-party XXXX XXXX to profit. This 3rd party debt collector left a receipt of this inquiry ( XXXX XXXX ) on my consumer report to destroy my credit. So, therefore, I am not the owner of this debt. If you can not send me the contract, then by law you have to remove this XXXX XXXX from my consumer report. Do not send me a bill, I am asking for a contract of this debt with my signature. Again, do not send me a bill. Please remove US DEPT OF ED/XXXX, US DEPT . OF EDUCATIO, and USDOE/XXXX  from my consumer report. Failure to comply would leave me no choice but to take legal action against this consumer reporting agency. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I HAVE BEEN RECIEVING EMAILS FROM A COMPANY CALLED CHIME ABOUT AN ACCOUNT THAT I HAVE NEVER HAD. ICALLEDTHEM ON SEVERAL DIFFERENT DAYS AND TIMES AND ALWAYS GET A RUN-A-ROUND. THE LAST XXXX TIMES I CALLED I RECEIVED AN EMAILSTATING THEY CLOSED THE ACCOUNTAND WHEN I TELL THEM IWANT THE PAPER WORKSHOWING WHERE AND WHEN THIS ACCOUNT WAS OPENED THEY REFUSED TO PROVIDE THEM TO ME.NOW SINCE THIS ACCOUNT THAT WAS SUPPOSED TO BE IN MY NAME HAS BEEN CLOSED TWICE WITH MONEY IN ITWHICH I NEVER RECEIVED I WANT THE PAPERWORK ON IT. THIS COMPANY DOES NOT HANDLE ANY OF THESE ACCOUNTS. THEY HAVE XXXX BANKS DO IT AND THESE XXXX BANKS ALSO SEND OUT THEIR DEBT CARDS. NOW ALL I WANT IS THE PAPERWORK ON THIS SO CALLED ACCOUNT SO I CAN TAKE LEGAL ACTION AGAINST THE PERSON THAT OPENED IT USING MY NAME AND ADRESS. I HAVE MOST ALL OF THE EMAILS THEY HAVE SENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been a Bank of America customer for 18 years. This year, for the first time, without any notification, the bank started to charge me maintenance fee without notifying me. When I called Customer Support to understand why, they told me my account has changed status due to change of average balance. However, my understanding is that they are obliged to notify me if this is the case. They never did. During the call I asked about notification. The agent did want to answer my question, referred me to another phone number. I called that number and they confirmed my account was demoted and also confirmed they did not notify me. My understanding is this violates regulations. The lack of transparency, communication is lamentable. Also, customer support was not helpful, either refusing to investigate my notification request ( first case ) or shrugging it off ( second case ). I feel they did not only not notify me, but they also did not apologize or care.

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 monetary relief
Consumer complaint received 2018-04-12
Company: CL Holdings LLC
State: MN
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:
Collection company for XXXX ( XXXX XXXX ) has attempted to re-age the debt in question. Upon finding information on my credit report listing the above named creditor the date for the account is listed as XX/XX/XXXX when in fact the account was delinquent as of XX/XX/XXXX. I called XXXX XXXX at which point they told me the information is reporting correctly saying that if it was reported by first delinquency ( following the law ) it would be before they obtained the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Commonwealth Financial Systems, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I check my credit report atleast 2-3 times a week. I logged into my XXXX XXXX  Saturday XX/XX/XXXX and notice a new collection from common wealth financial in the amount of {$1600.00} that was opened XXXX XXXX from an original creditor called XXXX XXXX XXXX Monday XX/XX/XXXX I called common wealth financial ( XXXX ) XXXX and asked for information about the bill considering I never received a letter, a phone call a medical bill or anything to inform me of a bill that could possibly be sent to collection and have not been to any dr office nor had any medical attention that wasnt covered by insurance over the past few years and they stated they couldnt retrieve the information for me without paying {$1.00}. I paid the {$1.00}. And then he told me I had to pay XXXX for the information and another XXXX to create a membership with them in order for me to retrieve information about the bill. I immediately told them I wasnt giving them any money and hung up worried it was a scam. I later check my bank and notice 3 different charges of {$1.00} was taken without permission. I contacted customer support and they werent any help and wouldnt give me any information either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XXXX this person on XXXX. I was lured into this website site XXXX XXXX XXXX XXXX XXXX by this person from XXXX XXXX XXXX XXXX XXXX XXXX ). I Deposited money using international money transfers apps ( XXXX, XXXX XXXX, XXXX, XXXX, Wise ) including bank wire transfer and XXXX XXXX XXXX. Once I started trading with the money I invested for commission, all of a sudden it pops up that I won a bonus award and I needed to deposit more. Even the person I was talking to on XXXX helped me deposit with her money to help me unlock this bonus award, knowing the person was part of the scam. I had to complete my task of the day in order to withdrawal the money, then another prize award pops up, saying that I hit the jackpot. I had to deposit more money to complete to bonus prize. Now when it came to when I was allowed to withdrawal the money, trying to withdrawal full huge amount ( $ XXXX ), Now they saying I need to deposit 40 % of that total amount to complete a tax refund procedure for both the system and the bank. I had to open a loan and ended up depositing that 40 %. They tell me I must complete the task the day so I can withdrawal, I end up winning another prize. Now they tell me I must deposit more money to complete the bonus award then I can withdrawal. The prize just gets bigger and bigger and I have to deposit more and more. Unable to withdrawal, now I am stuck here feeling that I have been scammed. I've done research on the scammer XXXX account, she is pretending to be someone else and steal pictures from this XXXX account : https : XXXX. Please help me, what should I do to get my funds back. I have started transactions starting XX/XX/2022 including with my other banks.

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 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report.

These are the following lists of accounts that do not belong to me or were opened without my permission : XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX Account XXXX : XXXX Balance Owed : {$790.00} Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Balance Owed : {$590.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance Owed : {$450.00} Date Opened : XX/XX/XXXX XXXX  XXXX Account # : XXXX Balance Owed : {$520.00} Date Opened : XX/XX/XXXX XXXX XXXX  Account # : XXXX Balance Owed : {$2700.00} Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Balance Owed : {$12000.00} Date Opened : XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.

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 2023-10-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

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 2022-11-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XXXX XXXX  The Credit bureaus stated Account Name : XXXX  XXXX & Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXXAccount Name : XXXX  XXXX Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written permission to furnish these accounts on 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 non-monetary relief
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: Cordoza & Wexler Recovery Services
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
We have been contacted repeatedly along with our family members and place of employment. They have made multiple threats regarding coming by our place of residence to arrest, serve papers, file court documents, etc ... 
They will not provide any detail and we have checked our credit reports which there is nothing showing as an owed debt. 
We would like to file formal harassment charges. 
Please have them stop all communications to family members, employers and me. 
We have requested this with Cordoza directly several times but they just hang up and say they are coming to our house. 
Stop the threats!

Company response to consumer: Closed with explanation