BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-20
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I do not have a car at this time so I had to open an online account at Chime!! 
My first transaction, Social Security direct deposit in the amount of {$2200.00} on XX/XX/20 was reduced by {$1200.00} when they sent this amount to a XXXX XXXX account in whose name I have not been advised. 
I filed a dispute immediately the same day as I needed my money to pay bills. They denied my claim on XX/XX/20 and keep telling me to provide more information. I have no more information as I knew nothing about this unauthorized transaction. I have sent a major amount of messages and made dozens of phone calls to get my money refunded. They keep doing the same thing and I still haven't received my funds. I am at a loss as to how to get my money returned and need your help. I am a XXXX year of age woman that is XXXX and my bills are far behind. Can you please help me? 
XXXX XXXX XXXX XXXX Claim # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I purchased an engagement ring and wedding bands from XXXX XXXX on XX/XX/XXXX. This purchase was made over the phone by and between me and a sales representative at XXXX XXXX at their online store. My plan was to pay for the total purchase of {$10000.00} with my own funds by using my debit card, however the sales representative asked me if I was interested in applying for a XXXX XXXX credit card with either option at ( i ) zero interest rate for a period of one year or ( ii ) a lower rate at 9.99 % APR for a period of 60 months. I was hesitant to apply for this credit, but the idea of zero percent interest for a year was appealing especially as we had a wedding coming up and related expenses. I did have sufficient funds to pay for the entire purchase, but I opted to apply for the credit card and agreed to pay it within one year at zero percent interest. On XX/XX/XXXX I received the XXXX XXXX- XXXX  credit card statement and noticed that there were added interest charges in the amount of {$1800.00} on my balance of {$1500.00} and I immediately called XXXX XXXX to speak with a supervisor to question the interest charges. I thought this was a mistake and couldn't understand how {$1800.00} was computed on such a low balance. I was told that the charges represented a years worth of accrued interest. I explained that I expect to see interest charges on the balance of {$1500.00} and didnt even know at what the interest rate these charges would be. I immediately paid the {$1500.00} balance and ask the Bank to either waive the {$1800.00} interest since I was only month out of the promotional period or reduced to interest to be a charge on only the balance of {$1500.00} and not the original charge of {$10000.00}. 

I dispute the {$1800.00} interest at 29.99 %. I believe that the representation made over the phone the day I purchased the rings was misleading. The Bank 's practices of offering a promotion at zero percent and to than charge accrued interest for an entire year while all along the bank has {$8600.00} of my money seems illegal and an unfair practice. How can I be charged interest on money that I gave to the financial institution and its in its possession for the past year? 

All I have are copies of monthly credit card statements and though the last statement states that Minimum payment amount by the Payment Due date shown on this statement, to avoid accrued interest charges. The " accrued interest charges '' isn't clear that I would be charged accrued interest on the remaining balance ( {$1500.00} ) or on the original balance of {$10000.00} at 29.99 percent.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AARGON AGNCY XXXX AARGON AGNCY  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 2021-10-12
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Discover Financial. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$22000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-19
Company: First Financial Resources, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
2 accounts in collection are not mine. 
First financial for XXXX XXXX College. I never attended or enrolled in classes there. 
XXXX XXXX XXXX for XXXX Hospital. I always used my health insurance for hospital. This is not mine. 
There are multiple people with my name. 
Use my middle initial and date of birth to see its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my credit I noticed Caine & Weiner placed a collection on my credit. I sent in a debt validation letter on XX/XX/XXXX, immediately after noticing the collection. The letter sent clearly states the timeline in which they are required to respond, as per the Fair Debt Collections Practices Act. I followed up on XX/XX/XXXX, with a letter notifying them of their nonresponse and their responsibility to comply with the law regarding collections. Caine & Weiner is now in violation of the FDCPA rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Through each Credit Bureau i had submitted a dispute for a Closed account that continues to be reported as accurate but it is not accurate due to the fact that the account should not be reported anymore, the state of Massachusetts has statute of limitstion of 6 years. Car loan with XXXX XXXX was opened in XX/XX/XXXX, it was paid off and closed in XX/XX/XXXX and i was already residing in MA since XXXX. This account I have even taken upon myself the duty of calling the XXXX XXXX in Puerto Rico were i had the loan and opened a claim to verify why the loan is still being reported on credit report, the bank auto loan customer service agent while filing the claim did confirm that the loan does not come up in their system and when it does not reflect it does not have anything to report to the credit bureaus. This account was disputed via XXXX app which is associated with Transunion. Results were provided in the month of XX/XX/XXXX, Indicating verified as accurate, pay status current and payment history cleared. Yet on recent pulled credit report from XXXX it reflects otherwise. Please see images attached showing the diferrence. On a last note also see that on current credit report it does not reflect as account ever being dispute while clearly my evidence shows it was and i received results directly from the credit beaureau.

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 2018-10-23
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: Credit inquiries on your report that you don't recognize

Complaint:
This is my now 5th complaint against Equifax  Consumer Credit Services concerning the same matter which is unauthorized inquiries on my credit. I have spoken with all credit lending services which are XXXX Bank-Inquiry XX/XX/2018, XXXX XXXX XXXX XXXX Inquiry-XX/XX/2018, XXXX XXXX-Inquiry XX/XX/2018, XXXX XXXX XXXX XXXX-Inquiry-XX/XX/2018, XXXX XXXX-Inquiry XX/XX/2018, XXXX-Inquiry-XX/XX/2018, XXXX XXXX XXXX XXXX-Inquiry XXXX, XXXX XXXX XXXX-Inquiry XX/XX/2018, XXXX XXXX XXXX-Inquiry XX/XX/2018, XXXX XXXX-Inquiry XX/XX/2018 and last but not least XXXX XXXX-Inquiry XX/XX/2018. These are all fraudulent inquires which all these banks have said they have no file on me and on top of that, I HAVE HAD A FRAUD ALERT ON MY CREDIT FOR THE LAST TWO YEARS AND XXXX   AND XXXX HAVE BOTH HANDLED REMOVING THESE FRADULENT INQUIRIES ON MY CREDIT AND THE ONLY CREDIT SERVICE THAT HAS NOT IS EQUIFAX. I would like a full investigation as to why they are not obiding by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: Vengroff Williams, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 I received a creditor letter stating I owed money for something that is not my debt. 
The letter is dated XX/XX/2019 The amount is {$2100.00} The company enlisted is Vengroff Williams , Inc. 
The company owed is XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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 status incorrect

Complaint:
Per the law negative accounts should be removed after 7 years. XXXX XXXX XXXX  has since removed accounts from selective bureaus but continues to makes updates, and change information in an attempt to lengthen the amount of time they are legally able to report to the bureaus. They have continued to report inaccurate information and manipulate the data in their favor. Photo proof of how the report different information to different bureaus and that the account had been removed from two bureaus but continues to be updated with false information on the 3rd. They also updated the balance from {$0.00} to {$500.00}. Theyve broken multiple laws including the continuos reporting of a charge off of XXXX times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Home Point Financial Corporation
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Loan XXXX I lost my job in XXXX as a pilot and the renter has not paid rent since XX/XX/XXXX. I requested a forbearance in XXXX XXXX and charged a late fee of {$80.00}. 

XX/XX/XXXX - I received a letter that foreclosure proceedings will commence XX/XX/XXXX. 

XX/XX/XXXX - I made the XX/XX/XXXX payment after being reactivated at my job with the CARES ACT 2. 

XX/XX/XXXX - I received a letter approving the forbearance from XXXX, XXXX, XXXX, XXXX. 

XX/XX/XXXX - I received a letter notification about a trial period plan beginning XX/XX/XXXX. The plan has a new payment address which is also DECEPTIVE THAT YOU CHANGED IT and my payment increased from my original payment. 

I called HomePoint Financial and they stated that this was a modification package and that the modification would include a rate increase that was not disclosed in this package. This is an UNFAIR, DECEPTIVE, ABUSIVE, ACT & PRACTICE. Why would you send a modification package without disclosing the interest rate change? 

XX/XX/XXXX - Made another payment I'm requesting that my missed payments are moved to the end of the loan. This is a deceptive practice to request that a customer pay a higher amount without disclosing that this is a modification and that the rate will increase when the interest rates are at historic low rates. In that case you should refinance my VA loan at 2.25 rate that it is today. 

I don't check my email and requesting a written response to my home address : XXXX XXXX XXXX XXXX, AZ XXXX Please help. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: DISCOVER BANK
State: AL
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 an elderly, XXXX female and I signed up for a COVID19 related program with XXXX XXXX XXXX. I was given the month to start to pay again so when I paid when the lady to me the pay they said my account was pass due bc the total amount was not paid. I explained that it was a misunderstanding and that I have never ever been late & that I pay more than minimum sometimes but it didnt matter. Anyone, can make an error, Im old but am a good customer and should not be punished for a misunderstanding. It was their error and their responsibility to notify me by email when the program was ending an payment would be due. Now that they corrected my account, they will not Correct my credit. My credit history speaks for itself & one misunderstanding shouldnt cause me to have bad credit. We are struggling and I notified them, I didnt just stop paying ... its a PANDEMIC! I would appreciate any assistance that you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
in accordance with Fair Credit Reporting act XXXX, XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2018-10-23
Company: CREDIT CONCEPTS, INC.
State: WA
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:
In the last 60 days I've been garnished by this credit concepts of s total sum amount of {$1500.00}, every single month since I've had this loan they've been adding {$330.00} every single month to the balance since the date of voluntary repossession of XX/XX/XXXX. Now they are garnishing me again knowing I am a single mother also domestic victims of XXXX minor children and I have left emails but the company manager is so unprofessional he just forwards my email rather than giving me an immediate response. I have had this same balance for three years and they are the most fraudulent sub prime lender out here. Ive paid over {$4.00} grand for a $ XXXX loan and why does my balance still reflect {$9900.00}? Where I started? Credit concepts are not following correct practices have never showed me no evidence of the repo sale nor a detailed billing of my entire account I requested since I first had this loan. They are a joke to consumers ripping off subprime consumers. I have other coworkers who are also with credit concepts who have showed me evidence of their wrongdoings and we are all going to take this to Attorney general.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Phoenix Financial Services LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Received derogatory for an old medical debt week of XX/XX/21. Received offer to settle it for {$79.00}, which I promptly did on line. Funds were withdrawn from my bank account on XX/XX/21. Payment shows as received on their website, however they have STILL not " officially '' posted it nor reported said payment to the credit bureaus. I call them every day, I have emailed them screenshots. No joy. To my own dismay, I have resorted to abusung them back lately. I am trying to get a $ XXXX mortgage right now, and a ridiculous {$79.00} that I already paid is holding it up. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, I received a notice of collection from XXXX XXXX XXXX XXXX / LVNV FUNDING on the date of XX/XX/2019. Im informing to all parties involved this account was a result of identify theft. This account has already been reviewed and removed by the original creditor XXXX XXXX XXXX. The account also has been removed by LVNV funding. LVNV FUNDING is in direct violation of the FCRA for attempting and also passing off a debt to another company and they are fully awhere this account is a result of fraud. If LVNV FUNDING attempts to contact me again in any form email, phone, mail. I will pursue all legal options against them and all parties involved. I also will be reporting this violation to the CFPB again. Thank you have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: LD Holdings Group, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I applied for a loan to refinance my home. After reviewing a few companies I decided to go with Loan Depot as the rate and closing costs made the most sense for me. On XX/XX/XXXX after several communications Loan Depot said they loan type they had set up was not the appropriate loan, but the good news was that the right loan would have a better interest rate and have similar closing costs. On the XXXX of XXXX I received a loan estimate and the closing costs were significantly higher than what they said they would be. I emailed and called several times. They said they would look into it. One loan officer I originally spoke to confirmed the closing costs as the number I was told on the XXXX so I thought we okay. I then requested a new loan estimate because at this point we are going on 60 days and it should not be taking this long and I wanted to compare options again. The new loan estimate had an even higher number than the estimate from the XXXX of XXXX. I again called and spoke with the senior loan officer and he stated that this process is normal for them but the numbers they had from me on the XXXX of XXXX were not accurate as they were the numbers the got on the XXXX of XXXX. So the new numbers I was getting now are accurate. He said they should have had the accurate numbers by the XXXX of XXXX but didnt. At this point I either have the pay roughly {$5000.00} more to close the loan, if it even closes as it still has not, or I have to take a higher interest rate because rates have changed since I was looking a month ago. I have been forced to stay with a lender that I do not want to work with or lose money. They have not tried to rectify the situation and have stated this common practice for them to have two different numbers to work. This is either a lie and they made a mistake, or their practices are malicious and intentional. The record every call so they have on record all or conversation and confirmed that they stated these numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Re : Professional Adjmnt Co acct # XXXX, # XXXX, # XXXX, and # XXXX Dear XXXX XXXX XXXX, I have never received any written correspondence from this company. Professional Adjmt Co reinserted a collection ( s ) to my credit reports with XXXX, XXXX, and XXXX  that results from crime ( s )  that have taken place. This is invalid. I didn't received any services or goods from the original creditor. However, I am still held responsible for this debt. You also have violated the FAIR DEBT COLLECTIONS ACT by adding a collection to my credit reports without my knowledge. Furthermore, you are also in violation of the FAIR CREDIT REPORTING ACT by reporting inaccurate information to data furnishers XXXX, XXXX, and XXXX. You were froward copies of an FTC Identity theft report and a sworn copy of an identity affidavit. Still you fail to comply with laws you are legally binded to adhere to. Failure to comply shall led to legal actions with Professional Adjmnt Co if this debt isn't removed. All the appropriate paperwork was notarized then froward to your company from the following credit bureaus XXXX, XXXX, and XXXX. Lastly, I am not responsible for the outstanding of these debts due to be incarcerated as well. Please take all documentation into consideration and delete these accounts. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation