BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-28
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company has asked that I pay a debt for {$670.00} & {$53.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX  that they can't show that I owe the debt I asked the company to VALIDATE the debt ( not a verification ) have the debt be VALIDATED Show ORIGINAL instrument of indebtness, Show ORIGINAL copy of the TRUE BILL ( not a statement ) Show copies of Company Bank records showing account Offsets, Show original documents and/or contracts that Shows my Wet Ink Signature on them, XXXX  keeps ducking the questions & facts Im asking of them. They state 3rd party I have sent a letter requesting the proof of the debt owed. This matter has not been satisfied or do I agree this company that has not VALIDATED the debt. Or any of the things I've asked I DEMAND THEY ANSWER THE QUESTIONS ASKED OF THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
FRAUD. CREDIT CARD WAS OPEN FRAUDULENTLY. PLEASE REMOVE OFF CREDIT REPORT AS IT IS AGAINST THE LAW TO REPORT ON CREDIT REPORT. THIS ACCOUNT WAS OPENED AND USED UNDER MY NAME FRAUDULENTLY. PLEASE REMOVE IMMEDIATELY. THIS COMPANY DOES NOT RESPOND AT ALL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Emergency Room visit XX/XX/20 was billed by Hospital and Physicians office billed separately but they did not file in a timely manner with insurance. They said they didn't have ins info but the hospital did where the physical is contracted. I was not aware of this debt until 2 months ago when I signed up for XXXX and saw this. I contacted the provider who said they just got the info and it is not timely for insurance. I have asked collection company to remove it since this was not my error and not in my control. They said they sent statements out that I did not receive and did not follow up with the hospital to get info. This needs to removed from collection. Insurance company has stated this is not legally my responsibility and should be written off by per contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: WELLS FARGO & COMPANY
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:
On XXXX XXXX there was an unauthorized withdrawal of {$2000.00} from my checking account ( Wells Fargo Bank ) I called the bank as soon as I found out. Customer service rep. told me to file a claim with the police department which I did right away. 
Bank was also investigating my claim but never provide me with any updates. I been told that the transaction was made using my card and PIN. 
I had my card in my possession at all times and did not give my info to anyone. 
Bank never provide me with a video or any other proof who withdrew the money. Therefore, Wells Fargo Bank refusing to return my money without providing any additional info to me. 
I opened 2 claims and had the same answer. I would like to have your help to investigate 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 monetary relief
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XX/XX/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 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 explanation
Consumer complaint received 2021-11-10
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$4200.00} LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$5900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Schreiber Law LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Just prior to XX/XX/2021 my husband and I refinanced our mortgage and arranged to pay off some outstanding debt. One of these was a XXXX XXXX XXXX  account. This was paid off by XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, a law firm retained by the bank we were borrowing from. A letter closing the account was sent to XXXX XXXX as well as a check for {$600.00}. The check was cashed and returned as paid to XXXX XXXX. Since then XXXX XXXX XXXX turned this paid debt over for collection to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX who has retained Schreiber Law LLC XXXX XXXX XXXX XXXX XXXX. XXXX NH XXXX to collect this paid debt. I have made numerous phone calls and provided copies of a letter closing the account and copies of the payment check and record of deposit to XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and Schreiber Law with no success toward resolution and in fact receipt of a most uncooperative and evasive response. 
Account number available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: CT
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:
XXXX XXXX XXXX had brought me to small claims court XX/XX/2019 for an alleged debt with XXXX XXXXXXXX XXXX 

There was a Judgement of Dismissal rendered on XX/XX/2019 in regards to the debt they were trying to collect from me. 

The judgement is very clear stating I am not responsible to pay any part of this debt and that XXXX does not have any right to appeal this judgement. 

Since that day, XXXX has continued to tell all 3 credit bureaus that the debt is valid. 

Because of this, the 3 credit bureaus continue to keep this debt on my credit report even after the fact that I have provided the court documents showing I am not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: FIRST HAWAIIAN, INC.
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2021, I applied for a mortgage with First Hawaiian Bank ( FHB ). After submitting my complete financial and employment history, my mortgage loan officer, XXXX XXXX ( XXXX # XXXX ), recommended that I pay for a rushed home appraisal ( {$700.00} ) and mortgage lock rate ( {$1700.00} ). Per XXXX XXXX 's guidance, I submitted a check for the mortgage lock rate on XX/XX/2021 and paid for the rushed home appraisal on XX/XX/2021 via my credit card. It was my understanding that after submitting both payments my mortgage was finanalized -- XXXX XXXX stated nothing to make me believe otherwise. However, prior to submitting these fees, XXXX XXXX failed to disclose : ( 1 ) she had little to no communication with the FHB mortgage underwriter up to that point, ( 2 ) the loan was not even close to being finalized, and ( 3 ) there is a possibility I will not receive 100 % refund should my mortgage be denied. Thus, it was out of blind faith, and trust in XXXX XXXX 's advise, that I paid both fees. It was not until XX/XX/2021 that I received the preconditional loan approval -- weeks after being advised to submit the fees. Similarly, it was not weeks later that I learned the FHB mortgage underwriter had concerns regarding my financial eligibility and my mortgage approval was in jeopardy. My mortgage was ultimately not approved. The fact of the matter is, if I would have been correctly advised, I would have never submitted either payment. I've raised my concerns with FHB, and attempted to dispute the fees with XXXX XXXX 's supervisors, but they insist they have done nothing wrong and there is nothing they can do to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: ECMC GROUP, INC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been communicating with both my servicer and guarantor due to a fraudulent " notice of default '' claim that was filed and paid. I am now inelgible for financial aid eventhough I never defaulted and had just come off a forbearance period when the claim was filed. Both companies continue the point the finger at the other. Today, I called and spoke to a representative named XXXX who refused to provide additional information. I asked her what dates are listed as my loans being delinquent on the claim XXXX  filed. She only referred me back to them. She stated she is only in collections. I informed her I am versed in how collections work and that a company must substantiate any claims of delinquency by providing the dates an account was in default. She refused to tell me what information was on the claim filed by XXXX. I told her having that information would allow me to submit proof of my forbearance period to get my loans taken out of a " default '' status. I have made payments to both XXXX and ECMC within the past 8 days. ECMC is refusing to accept my proof of non-default which is preventing me from receiving financial aid. ECMC is not willing to update my loan status even though they are aware my account never defaulted and that they paid on a false claim.

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 2021-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 been notified in XXXX, by a debt collector of an unpaid auto loan taken out fraudulently in my name with XXXX XXXX  in late XXXX. Subsequent investigation revealed this unpaid debt to be on all my credit reports, which I requested in XX/XX/XXXX. 

In XX/XX/XXXX, I have written to all 3 credit reporting agencies, to notify them that this debt is the result of identity theft and provided them with evidence of this. I have also asked them to remove the 2 incorrect addresses associated with my credit report. 

XXXX and XXXX have complied. Transunion have declined to remove the fraudulent debt report and called me a liar.

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 2022-09-16
Company: Early Warning Services, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
On XX/XX/XXXX, I received two letters of denial from XXXX XXXX. Included are these two pictures. 

In the pictures below, you will see a legitimate police report on identity theft, an FTC ID Theft report, and two denial from XXXX XXXX stating that the incorrect information from my identity theft will still be published. My identity was stolen a couple years back and actually the deeper Im looking, it looks like it is much prior than I originally thought. XXXX XXXX XXXX ID XXXX, Dispute case ID XXXX and XXXX. XXXX and XXXX  is blatantly punishing a victim of identity theft. XXXX and XXXX  has failed to provide reason, or provide legitimate proof with any reason as to why they made a denial on my identity theft. This is done in bad faith and is a violation of the FCRA. XXXX and XXXX  are mandated by law to keep accurate and up to date records all of which they have failed to do. XXXX has failed to provide legitimate actual documentation as to why they denied my claim. They also provide no steps to determine that the account information is accurate and up to date, two years later still being punished for identity theft. If they want a lawsuit, theyll get it. XXXX and XXXX  have violated have violated FCRA section 607 compliance procedures and failed to furnish and keep an accurate report. XXXX XXXX bank and XXXX  cant tell me my identity wasnt stolen, because it was. They also violated section 611 procedure in case of disputed accuracy, by mis treating inaccurate and unverifiable information, as they failed to send me proof, as the burden now rests upon them. They are also in violation of section 617 negligent noncompliance and are purposely keeping inaccurate records on my file that should not be there. They also violate section 623 by reporting information with known errors and submitting it as accurate. XXXX and XXXX  now have the burden of proof to show why my claims got denied other than a boiler plate answer, that it was found verifiable without showing any known proven methods. There are more additional laws and causes of action that I will add if XXXX XXXX and XXXX  continues to violate my rights. I am in good standing with all banks. Any decision that doesnt result in this will be fully disputed. Included is have I been pwned data on security breaches that further confirm identity theft from old emails. Legal : I have the right to amend this statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/XXXX, I contacted XXXX XXXX credit card services to dispute/settle the collection account reported on XX/XX/XXXX and was informed that the account had been forwarded to XXXX XXXX XXXX Collection agency and that XXXX was no longer handling the account and all collection activity would be handled by XXXX XXXX XXXX XXXX Between XXXX through XXXX, I never received any correspondence from XXXX XXXX advising of the charge off, considering that the creditor had my current address, at which I resided for the last 12 years. I then contacted XXXX XXXX XXXX and attempted to negotiate the payment for the collection/charge-off account and requested that upon payment- the account to be reported as settled and paid however I was informed that all collection reporting to the credit bureaus was being done by the original creditor- XXXX  and that paying the account would not guarantee an update on information reflected on all the credit reporting bureaus. I then contacted XXXX again in order to discuss the above and was informed that they were not able to assist further.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 4, 5, and 6 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2018-05-17
Company: Pacific Union Financial, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In general I am writing to complain about a lender ( XXXX XXXX, Branch Manager of the XXXX Wa Branch of Pacific Union Financial ) who has been dishonest, unscrupulous and misleading through this whole process. In XXXX I started a refi of my existing rental house to pull cash out to buy another rental. The lender from the start was trying to make me lie and say I was purchasing the new house to live in. He wanted me to create a bogus lease agreement of my personal residence to fool the underwriter. He also wanted me to falsify the lease agreement for the existing rental house. His intention was to try to get me a better rate. When I refused, he finally put together a loan app that was correct. On XX/XX/XXXX I was given a specific amount for cash out in the loan application. Our closing date was for XX/XX/XXXX to do the cash out refi and the purchase all at once. On XX/XX/XXXX I received the mortgage disclosure statements and the closing disclosure statements for both loans on the same day. The appraisals had been done weeks ago. I was never told that the loan was changing at any point. When I was going through the documents, the amount of the cash out had dropped by over {$10000.00}. I was shocked. I was never informed of this. The reasoning was apparently the house did not appraise for the amount he had originally put in the loan app. At no time did he ever tell me of this drastic difference. If I had known, I would never have done the refi. I would have simply obtained a line of credit. When I confronted him about this he refused to acknowledge the problem and just kept telling me I was demanding and rude. When I asked him again why there was a discrepancy ( on the day of closing ) he refused to answer saying he didn't know what I was talking about and persisted in arguing with me at how rude I was being.Totally unprofessional. I finally got a response from him later after the closing was complete but never a resolution as to why he didn't inform me so I could remedy the situation. Bottom line is he just wanted to get his fee and knew I would cancel the deal if I had known and had time to fix it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Experian Information Solutions Inc.
State: PR
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:
In accordance with the Fair Credit Reporting act. Experian Credit Reporting Agency has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, 15 U.S.C. 1666 & is not complying with the FCRA Section 623 ( 5 ) ( A ). 

The accounts in question are as follows XXXX XXXX XXXX XXXX, Account number : XXXX Date opened XX/XX/XXXX Account was written off for {$XXXX} in XXXX however {$XXXX is now past due as of XX/XX/XXXX. 

Also the following two accounts were updated incorrectly and have caused me a XXXX point decrease on my credit report. 

Account name : XXXX XXXX, Account number : XXXX Credit card opened XX/XX/XXXX Account charged off. {$XXXX} written off. ( There is no need to have any further information beyond the charge off date displayed ) Account name : XXXX XXXX XXXX XXXX, Account number : XXXX Date opened : XX/XX/XXXX Account charged off. {$XXXX written off. ( There is no need to have any further information beyond the charge off date displayed )

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 2022-09-16
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
this Tuesday CHIME bank froze my account. I didn't know it, and deposited cash into my account, which they happily took, but will not let me access my funds or my account. I sent him documents they requested, and here it is Friday and nothing still. customer service is HORRIBLE. no reply to emails, no explanations, no nothing. it's like theft. I've done nothing illegal with my account, so they have no right stealing my funds. I want access to my hard earned funds now

Company response to consumer: Closed with explanation