BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-08
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:
I am a victim of identity theft. The 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. This is a strict violation of FCRA Laws section 605b, they should be blocking or removing these from my report. 

XXXX BANK XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: AmeriHome Mortgage Company, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have already complained about this company. Amerihome mortgage. They did resolve one of the payments that they had lost the fund for, but still not the other payment. We have been trying to stay in touch with this company, but have been locked out of our online account since XXXX XXXX, and every time we try to talk to someone we get hung up on. Today XXXX/XXXX/XXXX my husband called twice to once again ask for a full accounting with the debits and credits, but once again were unable to talk to anyone, just got hung up again. The thing is, we did not ask for this company, they bought our mortgage from the previous provider, whom we were happy with. Why are company 's allowed to get away with this? This is my families home, my children 's home. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Last month, as I was recovering from XXXX, I forgot to cancel two payments that resulted in an overdraft/NSF fee being charged by Wells Fargo XXXX When I called to ask for a refund of those fees, I initially heard the agent say {$70.00} ( which would have been the total amount that I was charged ) but I guess I misunderstood the agent because I only got a {$17.00} refund. When I called again to inquire about this, I was told because the {$17.00} was all they could do.

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 2022-03-08
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau Equifax, XXXX, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and myself started a loan with XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Georgia on XXXX XXXX, 2000. My wife and myself have been paying faithfully from the start. According to certain clause in the contract my mortgage payments were to decrease over time of loan until finally payment. AS the payments were to make another decrease, my wife and I received notice that our loan were transferred and sold to XXXX XXXX XXXX. This was strange since XXXX XXXX now owns XXXX XXXX XXXX. During the process, my account number were changed, my property location were changed to reflect a home in XXXX Minnesota. We contacted XXXX, and informed them of the problem, but they ignored our complaint. They kept implying that I had a Bankruptcy, and my account was locked from decision. Now my so-called loan has been transferred and renewed with Carrington Mortgage Services in XXXX Indiana. I have been paying for a loan on the wrong house for two years now. I wonder what happened to my original loan. This situation has put my job in jeopardy and have put stress on my marriage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
TodayXX/XX/XXXX I called eqifax 's sloppy setup call center. Wrong numbers NO intelligent answers on there clumsy breach of EVERYONES personal information. PLUS they have expired inquires still in my file. I can only assume my generic phone call for a security freeze worked. ALL over the internet, especially someone from XXXX XXXX wrote an article on how sloppy and indifferent they are to there opprobrious incompetence. I called all 3 generic credit reporting agencies today. USELESS. Even annual credit report over the phone and online does NOT work for my account. XXXX blundering stupidity has caused me a mis-matched name to my social security number. I told ... you people this problem months ago. EVEN more insulting is WHY are these cryptic clowns at XXXX [ d ] uplicating there phony collections 3 different dates?! # I told you people about XXXX  putrid stealing, cramming SCAM only 12 times!!! I want that garbage deleted!!!! I want a security freeze in all 3 of these specious credit bureaus!!!! I want a copy of my credit report from all 3 of these derelict credit bureaus!!! XXXX clowns do n't care how sloppy and incompetent they are. USELESS phone system, wrong numbers to call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: FISERV INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Last week I stopped to buy a few food items at my XXXX XXXX in my neighborhood. I wrote a check to cover my items and included a cash back amount. 

Funds were in my account. However the cashier and her manager showed me the print out from Telecheck stating that my check was declined. 

For forty minutes I was embarrassed trying to rectify that I do not bounce checks. Everyone could see and hear me upset. 

I called my local bank but it was shortly after XXXX. I thought that someone could confirm that my funds were available. But the manager said that they could only take Telecheck XXXX confirmation and they could not override the denial. 

The manager asked me to write a second check for a lesser amount of cash back which I did. Again, Telecheck rejected the second check! The XXXX manager apologized and suggested I call Telecheck. 

Again, forty minutes is a long time to see strangers staring at you when you are trying to purchase just a few items-something from the hot bar for dinner, some coleslaw and water. It took over 15 minutes to get through a repeating, convoluted automated menu to get a live person on the phone. 

The Telecheck customer service representative denied that Telecheck was at fault and asked me to have the vendor resubmit my check. I told this person I could see the receipt and the message citing the Telecheck denial! 

A friend I had just been with for two doctor appointments was waiting this entire time in the car- I had no idea that I would be subjected to this type of treatment! 

And the company blamed the vendor! even as I saw the print out on both of the XXXX receipts! I have both of my rejected checks and one of the receipts. 

The manager explained she needed the first receipt to void out the transaction. I left embarrassed, angry and upset without my dinner and no water. Later I went to a private smaller local grocery store to get some water. 

The manager wished me good luck after she told me that she herself had suffered a false accusation by Telecheck that caused her serious problems. 

At that point I told her that I would be filing a formal complaint against Telecheck. I do not bounce checks. This denial was completely humiliating for me. Disgusting company that should not be allowed to soil peoples reputations and then lie about their behavior.

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 2017-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today XXXX XXXX XXXX I called XXXX XXXX sloppy setup call center. Wrong numbers NO intelligent answers on there clumsy breach of EVERYONES personal information. PLUS they have expired inquires still in my file. I can only assume my generic phone call for a security freeze worked. ALL over the internet, especially someone from NY times wrote an article on how sloppy and indifferent they are to there opprobrious incompetence. I called all 3 generic credit reporting agencies today. USELESS. Even annual credit report over the phone and online does NOT work for my account. XXXX blundering stupidity has caused me a mis-matched name to my social security number. I told ... you people this problem months ago. EVEN more insulting is WHY are these cryptic clowns at XXXX [ d ] uplicating there phony collections 3 different dates?! # I told you people about XXXX  putrid stealing, cramming SCAM only 12 times!!! I want that garbage deleted!!!! I want a security freeze in all 3 of these specious credit bureaus!!!! I want a copy of my credit report from all 3 of these derelict credit bureaus!!! XXXX clowns do n't care how sloppy and incompetent they are. USELESS phone system, wrong numbers to call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: NY
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:
n Accordance with the fair credit reporting act XXXX XXXX account # XXXX XXXX XXXX account # 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 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 2021-02-15
Company: Dynamic Recovery Solutions, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Dynamic Recovery Solutions , LLC XXXX XXXX XXXX, XXXX. XXXX XXXX SC XXXX This company call on a different phone number every day and I have blocked Them and they call between XXXX XXXX and XXXX XXXX. 

The reason I do not want to speak with their rep. is that they repeat the persons personal information over the phone when they are not to before when they are in formed beforehand that the person had a identity theft of personal info. 

The telephone not secured, anyone can listen in on the conversation and use it later. This company needs to respect other peoples request when doing business Over the telephone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
Company: ALLIANT CREDIT UNION
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, Alliant mailed me a letter stating that Alliant would close my accounts. A copy of this letter is enclosed for your reference. On XX/XX/XXXX, Alliant disabled my online login and ceased sending monthly statements. In light of Alliants actions and its threat that it would close my accounts, I believed that Alliant did close my accounts. 

On or about XX/XX/XXXX, Alliant mailed a Statement of Account that indicates Alliant did not close my savings account in XXXX. Unbeknownst to me, Alliant retained {$54.00} in my savings account. A copy of the XXXX of Account is enclosed for your reference. The Statement of Account indicates that an inactive fee, escheat fee, and dormancy fee were charged against my account in XXXX to bring my balance to zero and close my account. 

On or about XX/XX/XXXX, I mailed a letter to Alliant similar to this complaint, asking Alliant to return the {$54.00} it wrongfully withheld from me. As of XX/XX/XXXX, I have not received any response. 

Since Alliant wrongfully withheld account statements, disabled online account access, and informed me that my accounts would be closed, I had no way of knowing that Alliant kept my account open after it claimed it would close my accounts. Alliants decision to retain my {$54.00} was wrongful. Thus, I request that the various fees imposed in XXXX, XXXX, be reversed and that my {$54.00} be returned to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-18
Company: Social Finance, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I took out a personal loan from Sofi and set up an auto pay to avail of a 0.25 % reduction for all payments made using the Auto Payment feature. I was asked to submit a copy of a void check as part of the authorization process which I did on XXXX XXXX, 2021. The loan amount was disbursed last XXXX XXXX. 

Today, I received a notification from Sofi that my payment did not go through citing an incorrect routing number for my bank account and thus, my payment is not qualified for a 0.25 % reduction. I am actually reported delinquent in payment which made my credit score drop to XXXX from previous XXXX. 

The routing number in their system was completely different from the routing number on my check and the one I entered. I find this very disturbing because, first, I only possess one bank account and second, it would appear that I made up a routing number. 

I think this incident is deliberate to make consumer fall behind payments and/or guarantee for them not to get the discount on interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Advanced Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I entered an apartment lease right before the coronavirus pandemic hit in XX/XX/2020. So they knew I was XXXX XXXX XXXX XXXX XXXX XXXX. They obviously had all my pay stubs and such. I was also getting out of a XXXX XXXX situation which required a lot of help. My abuser ended up finding my location and the situation became dangerous. The schools were closed by XXXX so I totally lost my income. On top of all this the apartment manager did not disclose that there was a bug infestation in my apartment before move in. I have severe XXXX. I ended up in the emergency room twice while living there do to XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I did not know that maintenance men and bug spayers would be entering my apartment at their own leisure which they also did not disclose in my lease. I paid my lease up to XXXX and was fully moved out by XXXX. I explained to them that I clearly did not have an income through no fault of my own. A direct result of the pandemic as well as my health issues including XXXX XXXX XXXX  exacerbated by men coming in and out of my apartment when I have XXXX and just exited a domestic violence issue. I am not responsible for a global pandemic that ended my work and I am not responsible for them entering my apartment at their leisure. As long as I pay rent it is my personal space not to be infringe upon especially as a victim of violent crime and none the less. I do not owe Advanced Collection BU XXXX XXXX XXXX XXXX, Fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I XXXX XXXX have been going over my credit report and I noticed that there were a lot of inaccuracies on my report. I have been trying to communicate with the three credit bureaus on my own to fix and correct these issues but they are now ignoring my requests to investigate and fix the issues on my report that I pointed out to them. Since they didnt fix the issue I read on XXXX the fair credit reporting act that they have 30 days to investigate and correct the issues and if they are unable to verify the disputed items then they must delete them BY LAW!! Well it has been well over thirty days and they have done nothing! Also the act said that they must delete the disputed items while they are under investigation and they didnt even do that! I have been monitoring my credit report very closely and they have completely violated my rights as a federally protected consumer. I ask that you please help me to enforce my rights with these companies and have them do what is right by the law and delete all of my disputed accounts since they could not verify the validity of them in 30 days. Thank you.

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 2017-11-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Citibank blocked my XXXX XXXX credit car. I can not verify charges. They keep lying that they sent verification letter. I have never received any verification letter. These guys are chronic 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 2017-11-07
Company: CarMax, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have written a letter to the XXXX of Carmax, about my condition and what happen to my excellent payment history. In XXXX XXXX, I suffered a XXXX which left me disable at the age of XXXX. Please see my attached letter. 

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Regarding Account # XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My purpose for writing this letter today is twofold ; one is to thank XXXX XXXX XXXX for the excellent  service you have provided me over the last few years and the second is a humble request to have my account information amended with regards to a late payments occurring in XXXX of XXXX. 

I bought my XXXX XXXX in XXXX, and couldnt be happier with my decision. Was it not for me having a XXXX in XXXX XXXX, it has left me disable and caused my employer to retire me from my position at the age of XXXX. It has taking me a whole year to become successful against the XXXX XXXX XXXX and they have approved my claim. Id have a spotless payment history. I understand my obligations with Carmax and I have worked diligently to amend my relationship with you since that time. I have setup with my banking institution to autopay this account. 

Since then I believe I have learned the essential organizational and financial management principles I desperately needed. Thankfully, responsible credit management is now reflected in my credit records which, excluding the Carmax XXXX late payments, are excellent. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, one that I am determined to keep spotless into the future. 

Recently, I have begun my quest for a mortgage, and it has come to my attention that my tradeline with Carmax may affect my chances of obtaining the very lowest interest rates now available. Since the late payment ( s ) of record do not reflect my current status with Carmax, I am requesting that you give me a second chance at a positive credit rating by revising the late payment ( s ). I sincerely hope XXXX XXXX XXXX believes in their customers, and I humbly request your consideration. I appreciate your time and look forward to receiving a favorable decision from you department soon. 

XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: NY
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:
n Accordance with the fair credit reporting act XXXX XXXX account # XXXX XXXX XXXX  account # 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 2021-10-18
Company: Earnest Inc.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I requested that my new student loan lender, Earnest, apply the extra {$50.00} a month my employer pays on my behalf towards my principal balance, and I was told that the only way that could be done is if my employer sends it on the same date my payment is processed. I cant control my employer sending this payment. The lender stated the following : Yes, it is legal. This is actually a very normal policy for most lending companies. The accrued interest on the loan needs to be paid first before the principal can be paid down.

Company response to consumer: Closed with explanation