BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-19
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I bought a house thought XXXX XXXX Bank Home Mortgage on XX/XX/XXXX, on XXXX XXXX XXXX XXXX, XXXX AZ XXXX, they set up a bi-weekly payment for 2 payments {$500.00} each, every 1st of the month and every 15th and I was never late.. all of a sudden I received a letter from US BAnk XXXX stating that the loan was sold to XXXX Home Mortgage. I called USbank today ( XX/XX/17 ) to find out what was going on and to set up and continue the bi-weekly payment, I found out that they did n't have the cell phone number I have for 12 years, but one really off and no email address on file. Therefore I was never contacted. They said that they do n't have bi-weekly payments and that my due date for the full amount {$1000.00} is on XX/XX/XXXX .... Since this took me by surprise I ask them for a month period of grace to start fresh and be able to pay on time. They denied me that grace period. i do n't have the full amount because I have all my bills set up in a way that i divide them between theXX/XX/XXXXhecks I receive from work ... I will be late on my mortgage and I making a complain because : 1- they did n't notify me. 2- USbank did n't have my information on file. Therefore they owe me at least a month period to came up with the full amount and do n't be late ... My name is XXXX XXXX cell ( XXXX XXXX XXXX. USbank loan # 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 2020-07-09
Company: Square Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a victim of fraud. On XX/XX/2020, someone accessed my Cash App account without my knowledge or consent. They sent funds from my account to another Cash App account " XXXX   XXXX '' at XXXX XXXX in the amount of {$1500.00}. This was my entire balance. I do not know the account owner " XXXX   XXXX ''. I have never sent funds or recived funds from this account holder. I requested a refund from the account holder, however, the account user did not respond. Cash App has a phone number, however, it states representatives are unavailable. I sent an email to Cash App but did not receive a response. I canceled my Cash App card and have a new account but have yet to receive my balance back from Cash App. It is very difficult to contact anyone at Cash App. 

I attach hereto, a copy of my Federal Trade Commission IdentityTheft Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Experian Information Solutions Inc.
State: FL
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:
My account was in forbeatance but my credit report for that time period shows late payments I tried co texting the loan provider to get it fixed and they said they dont correct information with credit reporting agency. I tre IED credit reporting agencies and they didnt change it either

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 2018-10-01
Company: Franklin Collection Service, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent the XXXX XXXX XXXX and the collection company FRANKLIN COLLECTION SV a copy of my police report, ID, and my social security card. The companies has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i had contacted many times XXXX XXXX XXXX XXXX to remove 2 Hard Inquiries made on - XX/XX/2018 - XX/XX/2018i had contacted XXXX Creditor how has Run my Credit with Unauthorized and i got t proof from creditorto remove and XXXX already mentioned they sent two letter to Equifax to remove two month ago wirh no response till now i going now to attach proof has sent to them to Equifax to remove 2 hard inquiry -XXXX Inquiry from XX/XX/2018 -XXXX Inquiry from XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Convergent Resources, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Convergent Outsourcing notified me of a debt that had from XXXX in the amount of {$1200.00}. I called them on XX/XX/2020 to try to settle the debt with them. I told them I had {$700.00} to pay and they said the settlement amount they could take was {$810.00} which I agreed to. I paid {$700.00} electronically that moment then scheduled a payment for the {$11000.00} for XX/XX/XXXX. I have email confirmations of both payments and records of the payments out of my checking. On XX/XX/XXXX they reported to the credit bureaus that I owed them {$550.00} still and reflected this in their system. I called them on XXXX to confirm payments went through and debt was settled. I got confirmation over the phone and requested an email showing that. Never received it. On XX/XX/XXXX they again reported to the credit bureaus that I owed {$440.00} and again I called them on XX/XX/XXXX. Again got confirmation this was being fixed and documentation sent out. I have yet to receive anything from them. I called once again on XX/XX/XXXX and said they couldn't find my account then told me they handled XXXX XXXX XXXX customers not XXXX. I have been trying to buy a house and this caused me to lose my offer on a property. I don't know how to get this fixed at this point.

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 2020-07-09
Company: WLCC
State: TN
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:
This company reached out to my employer the week of XX/XX/XXXX. They advised our CFO that they had a garnishment for my wages. I immediately called down to the XXXX County Court building and spoke with a representative at the garnishment desk because I had not been served any formal documentation advising of a garnishment. 
I was advised that there were no garnishments under my name at the time of the call. 

I relayed this message back to our CFO. He told me that we would address the issue upon his return. I took the liberty of researching this company online because I had never done any business with them, nor have I been advised of any potential debt owed in writing. 

I even reached out to this company through their published number for customer service and no one has called me back to discuss this matter and/or provide paperwork verifying this debt. 
I noticed there were several complaints against this company for arbitrarily taking the wages of hard working people under the guise of a " wage assignment ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
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:
in accordance with the Fair Credit Reporting act XXXX XXXX #, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX 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 instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: TMX Finance LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I've tried on several occasions to obtain an account ledger so I can see the interest/charges added onto my account. I called and spoke with XXXX in XX/XX/XXXX and was told they do not give account ledgers out. I went into the store and sat down with a woman who worked there and she gave me a print out but told me she would get in trouble if her supervisor found out. The interest amounts added to my account seem outrageous. I again requested a copy of my account ledger on XX/XX/XXXXand was informed by XXXX XXXX that they dont give account ledgers out. I asked why I was required to pay my car registration to title max instead of the XXXX when I first signed my documents and he didnt have an answer. They added it to the loan and charged me interest on it. I requested a copy of the loan documents and it was sent but it's for a different amount then the actual loan was for. I'm still looking for my original contract ... ( I recently moved and cant find it right now ). It shows I signed for a totally different amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To whom it may concern, On XX/XX/XXXX I mailed out three ( 3 ) dispute letters one to each of the credit reporting agencies XXXX, Equifax, and XXXX XXXX under the FCRA section 609 ( a ) ( 1 ) ( a ) law to conduct and provide me with proof of the original contracts with my signature on negative items and inquiries that are being reported on my credit reports are mine and they have yet to do so within the thirty ( 30 ) days that they are allowed to have in order to prove ownership and accuracy of information that is being reported.There has been no correspondence with them providing me with any information or update on the status of my disputes. Also on XX/XX/XXXX I sent out three ( 3 ) thirty ( 30 ) day demand to comply letters, one to each of the credit bureaus XXXX, XXXX, and Equifax because they have broken the law by not providing proof or correcting the items being disputed in the time frame permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XXXX XXXX I received a debt collection statement from National Credit Adjusters from XXXX  XXXX via XXXX, California to collect a debt from XXXX XXXX XXXX in California in which this debt was discharged by XXXX XXXX XXXX Executive Office. 

Federal Complaints was filed on debt collection of {$300.00} and it was discharged because of unlawful fees and charge. 
I never receive any official letter confirmation on deletion of debt. 

I am respectfully XXXX Lifetime and Retired. 

Why is XXXX XXXX XXXX is trying to collect {$300.00}, and {$150.00} knowing that I am XXXX.?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Bank Of America has frozen funds that were authorized to pay my grandfathers bills. They have completely dropped the ball on customer service and knowledge of their own products. My mom went through all the right avenues to obtain a legal power of attorney for my grandfather. We have submitted this document multiple times and keep getting different answers from all employees as to why the funds have been frozen. My grandmother is in an assisted living facility and payments to facility have been rejected twice now. This bank has proven to be incompetent and after researching this more I discovered Bank of America has had to pay tons of fines for this same issue. I want to know where the POA documents keep going? This is personal information and they keep losing everything that is completed. I am referring to the XXXX, Md location. I feel like there is some fraudulent activity happening. My grandparents are both in their XXXX 's and need help with everything. Please HELP!

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 2021-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2018-05-23
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On Wednesday, XX/XX/XXXX I used the XXXX app to transfer funds from my personal account to that of a friend, to pay for a hotel room cost in the amount of {$160.00}. I was immediately notified on that day by XXXX that the transaction went through and the funds were subsequently removed from my account the same day. I then go on my vacation the following weekend and I am using my debit card the whole time while away. I returned from my trip on XX/XX/XXXX and was notified via email that day by XXXX that the charge had never gone through and that my account with them was now frozen, but that they would " cover '' the cost until I could pay them back. Now, my first issue is that the funds were immediately removed and it should not take 5-6 days for XXXX  to process that. XXXX  waited until I had no funds in my account available to charge me, then tried to penalize me for their delayed processing of the transaction. Recently on XX/XX/XXXX, my friend XXXX XXXX, tried to send me money through the XXXX app as a surprise and before I could tell her that account was frozen, XXXX took the funds and is essentially holding them hostage until I pay the {$160.00} to them. This is a complete violation of mine and my friend 's rights and we would like to recover both the {$160.00} and the {$75.00} owed to us by XXXX. My friend XXXX XXXX has nothing to do with my XXXX account issues and XXXX  should never have been able to receive the funds in the first place to a frozen account. This has now given them the ability to keep a third parties funds hostage until another parties debt is paid and that just seems like a blatant violation of our constitutional rights as consumers. I also have all of the emails from XXXX  stating that the funds were paid out on XX/XX/XXXX as well as all subsequent emails from them since they froze my account ion XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Consumer Portfolio Services, Inc.
State: WI
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:
In XX/XX/XXXX I filed chapter XXXX bankruptcy. My accounts filed were mainly medical bills, my XXXX XXXX XXXX and some other miscellaneous debts. As I was going through the bankruptcy process, I was awaiting my XXXX to be surrendered as I searched for a new vehicle. Before my bankruptcy was discharged I was able to purchase a new vehicle. XXXX XXXX XXXX. I have been paying a car note of $XXXX since then (XX/XX/XXXX) to current. While trying to do a trade XX/XX/XXXX at XXXX XXXX I was told that my XXXX XXXX XXXX was filed in bankruptcy. I then denied that information and the sales person stated that none of my payments were reported to the XXXX XXXX XXXX. I then contacted the bankruptcy office XX/XX/XXXX and that information of my current vehicle was not found. I then contacted Consumer Portfolio  Services On XX/XX/XXXX and they denied not reporting my payments but they are not listed on my credit report. I can provide visuals of my credit report stating this account being in a chapter XXXX bankruptcy that was screenshot from my cell however, I can also provide eligible documents at a later date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Southwest Credit Systems, L.P.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and a collection company is listed as belonging to me. I have not received a dunning letter by certified by from this company. They are in violation according to the ftc because I have never signed a contract with this company and they are trying to falsely collect on a debt.. I have attached a debt validation letter and this company needs to respond to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Optimum Outcomes, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Optimum Outcomes a collection agency is reporting derogatory information on my XXXX report for XXXX dollars and XXXX dollars. I have reached out to company twice to verify debt with original creditor and no response. I have disputed with XXXX   and still deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: SYNCHRONY FINANCIAL
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: Problem with personal statement of dispute

Complaint:
I had a SYNCB/XXXX XXXX XXXX that was solicited to me while checking out at XXXX XXXX one day. For a long time I was able to maintain an excellent payment status with them for many years. Then my son was diagnosed with a XXXX XXXX and I had to pay copays and deductibles for his healthcare, and medications. My Husband suffered a XXXX XXXX, and then my son developed XXXX During this time my payments became sporadic and due to the added fees and penalty 's I could never get caught up. I called and tried to work out something with SYNC and was told until I paid the current balance due they penalties would continue to be applied. As you can imagine once your behind so far there is no way to catch up with the additional fees and penalties. 
I eventually opted to close the account and go on a payment plan of {$73.00} per month. During the next few years I made payments from XXXX to XXXX per month in an effort to pay the account off as quickly as possible and try to repair my credit. During that time I missed no payments and was able to pay the balance in full XXXX of XXXX. I have just pulled my credit report and called XXXX and SYNCB and requested that they do anything they can to remove this derogatory remark from my credit report and they have advised me that it is there until XXXX. This is very disheartening as I worked very hard to correct my mistake and I kept my end of the bargain. Can you advise me of any way that this negative report could be removed. I just really want to improve my credit score and not feel as though I am being held prisoner by this negative report. Much like a prisoner who has served time I feel like I have repaid my debt to society and would very much like to not feel like this is over my head. The account in question is XXXX XXXX XXXX XXXX. 

I recently purchased a newer car and they ran my credit for financing. I now have 3 hard inquiries that will bring my score even lower for 25 months. I really find it unfair that just an inquiry to find a finance company can have such a negative impact on my score. I did not choose these companies nor was I really aware that it would be run multiple time. It seems that this penalty should be eliminated from all credit reports as a derogatory mark against someone looking to better their current situation.

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 2017-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXXXXXX 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