BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-02
Company: Collins & Hilton Asset Group, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) THIS company is reporting on my credit which XXXX XXXX is reporting too both companies trying to collect for the same account & different amounts ... the vehicle was purchase from XXXX XXXX XXXX but was sold to XXXX XXXX  both companies trying to collect two different amounts for the same account I was never sent any documents where I could have attended the auction or sale I was never giving the chance to buy the vehicle back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX my debit card was closed, my online banking was disabled, I called customer service said to call the next day. on XX/XX/XXXX I called the fraud department and they said they would call me back. I did not get any notification that my accounts would be restricted. I was trying to get food on my lunch and I don't have access to my accounts. this is unprofeccional, I have 4 mortgage payments due, my direct deposit from work arrives and I don't have any founds just my credit card. I need this to be resolved and I need someone to give me a call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions Inc.
State: VA
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 filed several complaints with Experian, XXXX  and I have already submitted a complaint with the CFPB. My problem is still not resolved. The company XXXX XXXX is reporting as an open account on my Experian credit report. This account has been closed and gone to collections. I did not open this account. The account was opened in my name when I was living in an apartment with several people, and I can not identify who used my information. XXXX does not have any signature for me on file or any record of speaking to me or doing legitimate business with me. Every few weeks, I receive notifications from Experian that I have made another late payment, but I also receive notifications from them that I have gone over a year with no late payments. The information in their system is clearly inaccurate and presenting this incorrect information to lenders is extremely unfair to me. XXXX has not properly communicated to Experian that the account is in collections, and so Experian frequently, randomly deducts points from my score as if I just recently missed a payment. I have a flawless payment history, and it is unfair for this incorrect information to still represent me on my credit report. After I filed my complaint with the CFPB, nothing changed. The CFPB closed my complaint with Experian on XX/XX/XXXX, and with XXXX on XX/XX/XXXX. In XXXX 's response to me through the CFPB, they indicated that they fully knew " the loan was charged off on XX/XX/XXXX '', but still stated " we have confirmed that all credit reporting is accurate and will have to respectfully decline your request ''. They have also told me they are aware the account is in collectoins verbally on the phone, and said they made an error, and should have indicated to Experian the account was in collections in XX/XX/XXXX, but now it is " too late '' for them to change the status. It is even written on my Experian credit report that the account is in collections. Yet, the account just appears under the " closed account '' tab and I am constantly penalized for making " late payments. '' As I attempt to further investigate who wrongfully used my information to open this account, Experian at the very least should stop continuously penalizing me for an account that went into collections XXXX of XXXX, and properly indicate that the account is in collections, and has been since that date.

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 2022-11-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, XXXXXXXX XXXX XXXX XXXXXXXX within the time declared by law, they failed to properly investigate the matter by using a XXXX  party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with XXXXXXXX statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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 XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3600.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My ex husband and myself had a mobile home ( Home Mortgage ) with XXXX XXXX back in XX/XX/XXXX. I went through a horrible divorce as my husband was using drugs and failing to pay the bills which led to my having to divorce him. The Mortgage was in both of our names. We only had the Mortgage for one year and they got the trailer bc of being unable to pay debt. I was not working at the time as I had just given birth to my first child in XX/XX/XXXX ( she is now XXXX of age ) as this happened years ago. 

Now after 21 years, XXXX XXXX XXXX XXXX  filled a XXXX XXXX to the IRS and the IRS alerted me which caused me an adverse affect on my IRS taxes. 
I received a l letter from the IRS XX/XX/XXXX which stated that due to DITECH Mortgage sending a XXXX with taxable income of {$17000.00}, this could cause me to have to owe the IRS {$2900.00}. IRS Told me to contact DITECH Financial to dispute this and request that DITECH Mortgage rescind the XXXX in order ( so it is not XXXX, XXXX taxable income ). 

I contacted DITECH at XXXX spoke with a " XXXX '' and I TOLD HER THAT I did not want to be recorded but she did it anyways. 
I told her that I never settled on an amount of XXXX  XXXX of a debt from a mortgage that I had back in XX/XX/XXXX with DITECH nor did I ever receive a XXXX from them. I asked them to rescind the XXXX ( taxable income of {$17000.00} ) as this is a debt from " 20 Years ago '' in which I should not be taxed for taxable income of XXXX, XXXX on a debt from 20 years ago. However, XXXX refused to rescind ( reverse ) the XXXX. 
NOTE, I have suffered with my credit from this debt for over ten years and it was removed from my debt bc it has been over the 7 to 10 year period that the debt is lawfully removed from my credit. They can't go back 20 years later AND IN XX/XX/XXXX send the IRS and myself a XXXX form to tax me {$17000.00} for a debt from over 20 years ago that WAS charged off my credit report back in the year XX/XX/XXXX!!! this is very unfair and not allowed. 
ALSO< I disputing the fact that they kept putting this on and off my credit for over 20 years now and it has negatively affected my credit for way over the 7 year period. 
POINT BEING< IF THEY HAD PLANS OF TAXING ME AT {$17000.00} then they should have taxed me 20 yrs ago ( BEFORE THE 7 TO 10 YEAR PERIOD PASSED WHICH IS NOW WAY OVER ). If they were going to send a XXXX taxable income, they should have done this YEARS AGO NOT IN XX/XX/XXXX. I AM REQUESTING A COMPLAINT SUBMITTED AS THEY HAVE UNFAIRLY AFFECTED MY CREDIT PAST THE 20 YEAR PERIOD AND IT IS VIOLATING MY RIGHTS TO BE TAXED FOR SOMETHING IN XX/XX/XXXX ON A DEBT FROM THE YEAR XX/XX/XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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: Their investigation did not fix an error on your report

Complaint:
Upon checking my consumer report i noticed inaccurate accounts and information that does not belong to me, i didnt authorize to any of this information to be reported on my credit recorf, it's affecting my life!

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 2020-12-12
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I use the Cashapp to send money to friends and make occasional purchases. Sometime between XX/XX/XXXX - XX/XX/XXXX there is money that was sent to me and my balance reflected that. Mysteriously the balance was lower without any transactions. I tried to call Cashapp but there is no phone service available. I started several emails to ask where the missing funds are. I was sent a statement from them which outlines all incoming ( + ) and outgoing ( - ) transactions as well as a beginning and ending balance. The statement itself reflects that there is, in fact, missing monies of {$1100.00}. I have tried to figure out what exactly happened, but I can not pinpoint a specific transaction and I have attempted to guess. The company is slow to respond and has automatically closed several of my emails after 3 days without trying to reach me. I have been contacted by several different account specialists always changing during the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: 1st Franklin Financial Corporation
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
When trying to apply for a small loan it always saying that it want impact on your credit score but it does and when I apply always says decline I have a good job with great income but most of the system always denied or decline my offer and even when I'm trying hard to get back on track sometimes we face hardship and some of the loan offer don't try to work with u instead they just mark u as a negative credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XXXX a dispute was made, BOA provided temp credit for it. In XXXX the reversed the credit twice ( double dipped on my account ) which was only rectify after I called and complaint about it. Now in XXXX they reverse the credit again. They are giving me the round around and not provided me my funds back

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 2021-01-05
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On the morning of XX/XX/2020, I attempted to transfer funds from my Citibank " Accelerate Savings '' account ( balance approx. {$200000.00} per Citi website ) to my XXXX  XXXX XXXX checking account, which I had previously linked to my Citi account online via the Citi online banking website. I spent approximately two hours on the Citi website attempting to make a transfer -- starting at {$24000.00}, for which I received an " exceeds daily transfer limit '' message. I then attempted approximately a dozen more transfers in descending dollar amounts, ending in a mere {$2000.00}, and received the same message every time. I then started trying to call Citi customer service. After waiting twenty minutes to get an agent on the phone, she " accidentally '' hung up on me -- - and then this same thing happened two more times in a row. When I finally got someone who didn't hang up on me ( " XXXX, '' who wouldn't give me his last name or badge number ), he told me he could get someone to facilitate a {$50000.00} wire to my XXXX joint checking account. He said the {$25.00} fee could be waived. After another 25 minute wait, the person he transferred me to ( " XXXX '' ) said the fee could not be waived. She facilitated the wire transfer and told me it would clear in 1-2 business days. Twelve days later, it still hasn't cleared and no one answers the customer service line XXXX told me to call. This morning, I attempted to withdraw {$2000.00} ( the daily ATM withdrawal limit per the Citi website ) from a Citi ATM, but it only allowed me to withdraw {$400.00}. I again called Citi 's customer service number and waited on hold for 14 minutes, but no agent ever answered. I have since read scores of complaints that Citi makes it impossible to withdraw funds from the " Accelerate Savings '' account -- obviously with the intent of holding the funds longer and increasing the bank 's profits. I have been practicing commercial law for 22 years and regularly represent clients in litigation against banks. I am considering legal action against Citi.

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 2023-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I started receiving mail from Bank of America regarding a checkinh account I never signed up for. THis account was made in my name without my permission and I would like to be compensated for my stress and worries regarding this issue.

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 2023-08-24
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT XXXX and I included it again. Kindly update or correct the following items : 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 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 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 non-monetary relief
Consumer complaint received 2021-01-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am experiencing financial hardship due to reduced work hours as the result of COVID-19. I have reached out to USAA on multiple occasions to request extended financial hardship relief through their program. I was approved but then denied. I received a letter stating that I have " submitted the maximum number of relief requests for this financial hardship event ''. It is unfortunate but the restrictions enforced by local/state/federal government are preventing me from working regular hours. The " hardship event '' is still ongoing and affecting me financially. My job has reduced work hours due to clinics being cancelled by our clients. I am in a financial XXXX like countless other Americans. I have maxed out a majority of my credit cards to make ends meet. I have contacted all of my creditors, including USAA to request additional assistance considering the circumstances. I am baking goods to attempt to keep up with bills but it is not enough to cover all of them at the current time. The decision of USAA is unrealistic considering what I, like countless others, are experiencing. The decision is making my situation worse and causing more emotional distress. I am actively seeking employment but work is hard to find. My unemployment benefits were exhausted on XX/XX/2020 and I am in the process of waiting for the state to reinstate my benefits ( which is another hurdle to cross ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Phoenix Financial Services LLC
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter on XX/XX/2023 dated XXXX XXXX informing me of an alleged debt from Phoenix Financial Services. I mailed a letter requesting debt validation including any HIPPA release they received from the EMP of XXXX XXXX XXXX. In that letter I included a cease and desist of all telephone communications and that all communications be done in writing. They received my request on XXXX XXXX via certified XXXX mail. 
I received a letter XX/XX/2023 from Phoenix Financial Services that did not have any of the information I specifically requested and have a right to by law. I sent a second letter requesting this information via certified mail, they received it XX/XX/2023. As of today, I have not received any other letters from them and since it is past the 30 day response window I have recorded this debt unvalidated. 

I received a text message from them today XX/XX/2023 with links to their site. Which I will not click on due to the fact I have sent them a cease and desist of electronic communications. This is also now considered harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020 i logged into my chime account app. I updated my phone number. 30 seconds later i got a message saying my account is locked do to fraudulent activity. I had XXXX left still in my account on XX/XX/2020 when chime decided to close my account permanently. When i called into customer service to find out what happened i was asked for account information to verify my account. I also sent chime a copy of my drivers license, ssn, proof of address and a picture of me holding my drivers license. So i verified everything. How ever. When i call in I'm asked for more information. When i give them the phone number attached to my account they said my account account belongs to a XXXX. Under the privacy an security why would chime tell me another customer 's information?? So i also provided my old cell number. It's mysterious non- existent. So i verify my acct # and routing. Chime tells me it's not my account. I seriously believe chime has illegally tampered with my account an has stolen my money. I've spoken to supervisors on XXXX XXXX and the XXXX. Because they closed my account i can't verify my information no longer. Chime bank is stealing my money an illegally closed an tampered with my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I sent XXXX XXXX a letter requesting for full disclosure and validation of the debt. I have since have received no response from XXXX XXXX or the Credit Bureaus in regards to this serious matter. I'm currently looking to refinance my home. This negative item that XXXX XXXX is reporting has exceed the legal time limit frame to prove that are the legal holder in due course of the account. They have continually disregarded my letters dropping my credit down 50 points for the last several months.

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