BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-01
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: Account status incorrect

Complaint:
1. XXXX XX/XX/XXXX, Acct # XXXX Acct # XXXX 2. XXXX XXXX XXXX Acct # XXXX has violated my rights under 15 USC 1681 section 602 A. states I have a right to privacy. 15 USC 1681section 604 A section 2 also states consumer reporting agencies can not furnish with out my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I over look my credit report and I see some activity that is not mine

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 2022-02-14
Company: WELLS FARGO & COMPANY
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:
Well Fargo continues to brush me off with responses that do not provide any proof that they acted in an ethical and non-discriminatory fashion. As a matter of fact article after article, class action suit XXXX after another including XXXXXXXX XXXX  own XXXX has found Wells Fargo to be nothing less than nefarious. Wells Fargo has stated repeatedly that I was approved for a " Modification '' and that I didn't accept their proposal. They expected me to fall victim to their fraudulent ways just like the millions of other who were approved for so called Loan Modifications by XXXX servicing which was a subsidiary of Wells Fargo. Customers believing Wells Fargo had granted them a " modification '' to keep their home paid on their modification for XXXX months, received a XXXX and XXXX signed and notarized to the proof of the modification. Only to find a foreclosure envelope in their mail box. Trust me says Wells Fargo we reviewed you documentation and upon fair review we were able to offer you the same loan terms and conditions, but just not call it a XXXX XXXX loan .... What? I refuse to speak with some used car salesperson on the phone trying to talk me into believing that Wells Fargo has acted and continues to act ethically and responsibly. Again all evidence points to lies and deception on the part of Wells Fargo and I reiterate that my loan modification was not assessed in an ethical and non-discriminatory court ordered manner. Before furnishing any further additional documentation Wells Fargo need to first establish an interest in establishing their claim of no wrong doing on their part as they've monetarily have paid for via class action settlements. I request Wells Fargo 's senior management team set up a meeting with me and my advisors and walk us through my entire loan modification along with the process utilized.

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 2022-11-19
Company: Louisiana Recovery Services Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The collection agency Louisiana Recovery Systems is violating my rights under the No surprise Act of XXXX 
I have two medical bills in the amount of {$890.00} and {$1000.00} that an out of network provider is charging without my prior authorization. 
I am requesting these two items be removed from my credit report immediately as I am allowed a fair and correct credit report according to FCRA.

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 2022-06-01
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
XX/XX/21 my car was in a car accident XX/XX/21 XXXX insurance deemed my car to be a total lost and issued a check for XXXX the check covered the car difference of what Ally was asking for. Ally kept the balance and wants me to pay additional fees of XXXX .My gap insurance was not applied and they kept my payment of XXXX I made XX/XX/21. They received more than what the car was worth.

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 2023-08-08
Company: Experian Information Solutions Inc.
State: MD
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:
I have no affiliation with these creditors and I did not make this inquiry.

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 2022-02-15
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I have submitted multiple disputes through the MYEQUIFAX.COM website for removal of the following inquiries. Their investigation are incomplete. I am was never furnished proof that the inquiries belonged to me. Equifax failed to complete a full investigation Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: SYNCHRONY FINANCIAL
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I purchased an item on XXXX for XXXX. 5 days later on XX/XX/XXXX I recieved an empty box from the seller. I tried to contact the seller via phone numerous times but no one anwsered. Realizing I had been scammed I disputed the charge. Venmo credit originally credited my card for the fradulent charge. Today I log into my account and as of XX/XX/XXXX I again have a rebill for the XXXX. Venmo did not communicate with me at all about why they charged me again, or why they feel I need to be held responsable for fraud. Venmo is obviously not investigating this scam in good faith, communicating with me on action with my account and as a result not protecting me as a customer from fraud.

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 2023-07-07
Company: Experian Information Solutions Inc.
State: KY
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:
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance details XXXX XXXX paid off Balance {$2700.00} Balance updated XX/XX/XXXX Original balance {$2700.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$2700.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Payment summary 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Comments Completed investigation of FCRA dispute - consumer

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 2022-02-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have reviewed my credit report and I do not recognize nor did I authorize the following Inquiries listed below! 
XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX  XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-06-01
Company: VYSTAR CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
" The company continues to not provide access to my accounts and accounts have been in the negative and many of my friends and family, and people in the community are having issues and Vystar credit union continues to doing nothing. This has reached the media and nothing is being done. My wife and my direct deposit is not even being received and we have bills to pay.

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 2023-03-02
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX, I applied for the NC Home Assistance Fund ( NCHAF ) and was awarded aid. On XX/XX/XXXX, I received the award letter disclosing the payments that were to be made, which included reinstatement for {$6100.00} and three monthly payments of {$1100.00} ( paid monthly ). PHH Mortgage Company ( XXXX ) confirmed with XXXX the amounts and agreed upon those amounts on that previously mentioned date. In good faith that the mortgage company wanted to work with me to bring my mortgage current, I signed the NCHAF Award letter, and payments by the state were made on XX/XX/XXXX ( {$6100.00} ), XX/XX/XXXX ( {$1100.00} ), XX/XX/XXXX ( {$1100.00} ), and XX/XX/XXXX ( {$1100.00} ). The amounts were confirmed by ACH numbers. As of XX/XX/XXXX, PHH Mortgage maintains that the amounts that were sent are not sufficient, and have been sent back to the state of North Carolina. The NCHAF has no record of this. I have requested PHH to communicate with NCHAF in order to rectify this matter, but they maintain that it is the NCHAF that must communicate with them instead. I have contacted PHH repeatedly by phone and email ( Phone : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) ( Email : XX/XX/XXXX, XX/XX/XXXX ) to no avail. Meanwhile, my credit report is continuing to worsen, and they are harming my credit, causing direct damage to my credit status. I can not currently pay my mortgage, because they will not accept payments in order to stop falling behind. They are harming my financial progress and are unwilling to research the problems and issues on their part to investigate why they will not honor the contract/information sent and verified by the state of North Carolina XXXX They will not allow me to bring my mortgage up to date due to a lack of progress on their part. They do not offer explanations as to why they can not communicate with NCHAF in order to clarify why they will not apply payments made to my mortgage account. They are causing severe harm to my credit and are blocking my progress to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Freedom Mortgage Company
State: ND
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
An insurance claim was filed on our barn due to damage from snow load. We first contacted Freedom Mortgage Company on XX/XX/XXXX regarding the insurance check process since the checks were made out to Freedom Mortgage, myself, and my wife. On XX/XX/XXXX we sent Freedom Mortgage Company XXXX checks from our insurance company totaling {$52000.00}. Both of the checks were signed by my wife and myself as directed by the mortgage company. One of the checks stated " For Deposit only '' with our bank account number on it. Instead of sending us back our check that stated " For Deposit only '', Freedom Mortgage cashed our check and held all of our money. Is that not against the law?? 
We have contacted them multiple times attempting to resolve the problem, ( dates including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all from XXXX ). I requested to speak with a supervisor on XX/XX/XXXX at Freedom Mortgage Loss Draft Department and was told one would contact me in XXXX hours, it is now XX/XX/XXXX and I have yet to hear from a supervisor regarding this issue. An inspector came out to our property on XX/XX/XXXX to view the completed work so that he could notify Freedom Mortgage that the work was in fact completed. On XX/XX/XXXX, we received 75 % of our insurance money from Freedom Mortgage via a check. We should have received the full amount back from Freedom Mortgage since the work is complete, but they are insisting our contractor complete a " Waiver of Lien '' form. They refuse to give us the remainder of our money even though the work is complete. 
Due to the length of time this process has taken it has created a financial hardship for us, causing us to have to pay for materials, labor, etc out of our own pocket. We are now coming up on a month of Freedom Mortgage holding our money, which could have been used to pay the contractor or it could have been accruing interest in our bank account, but instead is supposedly being held in our escrow account. If that is the case, then any interest accrued should be mine and not Freedom Mortgage.

This whole process has been nothing but a nightmare. Freedom Mortgage has been extremely difficult to deal with and I am concerned that they are breaking the law by cashing our check when it explicitly states " For Deposit only '' with account number following.

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 2023-11-13
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have sent the addendum for check stop twice. The first I sent it I was told I had to verify with some third party that failed. I was then told I can just resend the form again without my new address on there. I requested the check be sent to the mailing address the company has on file XXXX XXXX XXXX XXXX # XXXX XXXX XXXX IL XXXX as I still have family there and I can still get mail there. I have been going back and forth with this company many times regarding my hard earned money that they are NOT paying me interest on. I would love to have money back to me as they are just holding my funds without giving it to me. It has been a hassle and I have tried to take every revenue possible to get my money from this scandalous company. I am putting in another complaint for the same money I have been trying to receive since the summer. Just in case the company states they did not get the fax I sent I am attaching it to this complaint and hopefully I can receive my money at the address stated above. I have been trying to nice and patient as I know it is a big company and they deal with a lot of calls, but when I call I am being told there is no record of my account which is a bit weird to me. The XXXX XXXX I will be taking is seeking a lawyer to retrieve my funds and suing the company for distress and financial abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had called XXXX back in XX/XX/2022, because my phone was stolen and i asked for all of my services to be cut of to cancel everything & i would pay the early termination fees. I was told i would have to pay {$800.00}, im not sure how {$800.00} turned into around {$1700.00} i believe is what it says is in collections. I spoke with XXXX  and they said they were trying to get this resolved but it has never happened. Im planning on calling XXXX again and also the collection agency to see if anything can be resolved. I dont feel its fair that Im being told i only owed {$800.00} by XXXX now all of a sudden I owe around {$1700.00}. That makes no sense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2023-08-03
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NATIONAL CREDIT SYSTEM has been calling me, emailing me and sending letters to my address trying to collect on a debt that does not belong to me. NATIONAL CREDIT SYSTEMhas called and threathen me to garnish my pay check and to continue reporting information on my credit report that does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Keith D. Weiner & Associates Co., L.P.A.
State: KY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company alter court documents for a civil case so I the debtor would miss the correct court date and the judgment would be in their favor because I was a no show to court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: CCS Financial Services, Inc.
State: TN
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:
I had a bill from XXXX insurance of {$340.00} go into collections back in XX/XX/XXXX. The account was taken over by Credit Collection Services. On XX/XX/XXXX I paid and settle the debt for {$250.00} with XXXX XXXX XXXX. The company XXXX XXXX XXXX updated the account in XX/XX/XXXX as in collections but paid and settled. They continue to report the account in collections but as paid and settled still as of now. I have reached out to XXXX XXXX XXXX and they said they can not help me. I have also reached out to XXXX and filed multiple disputes but have gotten no help and no proper update on my credit report. Please help me with this matter. Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account does not belong to me. This account is fraud. Please delete it immediately. XXXX claims funds was dispersed into an bank account I NEVER owned. I have included my FTC Report and notified 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 2022-04-21
Company: FORD MOTOR CREDIT CO.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My mother me an sister all caught XXXX XXXX my mother an sister passed away I been struggling had to relocate an all! My credit was at XXXX not is XXXX they gon na repo my XXXX an than I am not able to get to work I really need some help! Bad please my name Is XXXX XXXX XXXX an XXXX is thru ford

Company response to consumer: Closed with explanation