BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-07
Company: MONEY SOURCE, INC., THE
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX Vet and in XXXX of XXXX, the VA truncated my benefit check. I could not keep up with my monthly obligations. After falling behind on my mortgage I was afforded a loan modification by the Money Source who held the mortgage. After filling out the XXXX loan application numerous times, I finally met there expectations and the paperwork was approved. 
My new mortgage went from XXXX to XXXX and my loan was split up into XXXX separate loans, XXXX for XXXX and the other was for XXXX due at the end of XXXX years. This was in XXXX or XXXX of XXXX. It is XX/XX/XXXX and I have been told that I have incurred an escrow deficit of XXXX and my mortgage payment has risen to {$1000.00}. until the deficit is caught up. 
Having called on this issue several times ( XXXX ) my experience has been once I got a rep to answer the call ; I was transferred several times to different departments and for now ; it was the bankruptcy department, because I am currently in litigation. After talking to XXXX of the agents on the subject ( Escrow Deficit ) I was placed on hold and them the line went dead and no one follow up with a call back, even though the rep required me to give them a call number in case we were disconnected. 
It is my thoughts that there is gross mismanagement and misconduct going on with this company and how they handle our escrow accounts. Between XX/XX/XXXX and XX/XX/XXXX, I have only missed XXXX or XXXX payments ; XX/XX/XXXX through XX/XX/XXXX. I pulled up my transaction history ( mortgage payments made ) and I made XXXX payments that {$240.00} ( {$3900.00} ) went to escrow from XX/XX/XXXX to XX/XX/XXXX. From XXXX to XXXX nothing was added to escrow even though I was making mortgage payments. XXXX to XXXX of XXXX, I made XXXX payments of {$720.00}, to qualify for the loan modification. 
From the period of XXXX through XXXX of XXXX The XXXX XXXX made transactions that are unclear. My previous mortgage was modified from XXXX to XXXX separate loans ; XXXX for {$87000.00} for a XXXX year period and {$35000.00} was due in XXXX lump sum at the end of that XXXX year period. 
After going through all that the Money Source required of me and missing only XXXX to XXXX payments and paying into the escrow account as I did ; I find it very hard to believe that in a two-year span having paid out only {$930.00} for the first years taxes and {$1500.00} for the second years ' taxes that I incurred an escrow deficit. Something is very wrong with this company. 

I find it very difficult to believe that after paying a little over XXXX years of mortgage payments and missing XXXX or XXXX and The Money Source only paying out {$930.00} for the first year and {$1500.00} for the second year ; that I am in a deficit of over {$2000.00} and they want to XXXX my payment up from {$700.00} to {$1000.00}. to cover this so-called deficit. The Money Source has gotten over {$7400.00} in escrow from me and has paid out about {$2500.00} for taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: WELLS FARGO & COMPANY
State: NV
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, WELLS FARGO DEALER SVC, is currently showing 30 days late on XXXX, XXXX and XX/XX/2016. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and delete the current status to reflect accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
XXXX XXXX Ive been working with Chase Bank Directly to stop fraud since XX/XX/XXXX. Since then I have been involved in the following data breaches but not limited to : XXXX, XXXX, XXXX, XXXX XXXX XXXX. I have spoken with my credit companies in XX/XX/XXXX and again XX/XX/XXXX. And with my primary bank in person on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XX/XX/XXXX In Arizona ; and on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX In California. 

I have had a number of false XXXX charges, fraudulent debit card use, unauthorized credit card use, and difficultly getting my accurate and authentic banking statements, bills, and reports. My statements are not to be paperless but continue to be made paperless and online statements are misrepresented and inaccurate report This Statement is a Facsimile-Not an Original. Also my credit cards are arriving without any notification to authorize receipt and one Chase Freedom credit card arrives are ready to use. 

While the California branches have I continue to experience unauthorized use and fraudulent charges, despite numerous attempts to meet with Chase Bank and prevent the theft and loss it continues to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: TX
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:
XX/XX/22 i got alert from experian saying a had account added to collection for XXXX this account is absolutely fraud the name is similar and address is only similar in XXXX this is not my account XXXX XXXX XXXX knows this account needs to be removed immediately I have filed police report and ftc report I also have obtain lawyer

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 2019-09-09
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX and XXXX   are reporting incorrectly ( 120 ) days late on the USD/XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this, however I have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXX/XX/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 2022-09-23
Company: Comerica
State: IA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Starting in XXXX there were charges to my card that were not authorized. I only use the card a couple of times a month to pay my bills, so did not notice right away. 

When I realized, I cancelled the card and got a replacement. I also sent a letter to the company with all the charges that are not mine. It was sent on XX/XX/XXXX. It has been at the post office there since XX/XX/XXXX, and is just sitting there. No one is picking it up. I have tried calling, but can not get through to a real person. 

The charges are almost daily starting XX/XX/XXXX until XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-30
Company: EQUIFAX, INC.
State: MS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Ive spoken to several representatives at Equifax concerning the problem of them not receiving any documentation that I have clearly submitted! I have mailed in documentation that was mailed via certified mail and I have also faxed in all necessary documents requested by Equifax to fax number XXXX. Ive spoken to agent XXXX in the XXXX XXXX Care Fraud Department and his supervisor XXXX employee number XXXX  on Wednesday XX/XX/21. XXXX instructed me to yet again wait until Friday XX/XX/21 for the documentation that was faxed in on XX/XX/21 to be uploaded. The US postal service gave me confirmation that my dispute letters and supporting documentation was received by someone at Equifax on XX/XX/21. I also called in today on XX/XX/21 to follow up again and I was told that they havent received any documentation from me since XX/XX/21! Thats ridiculous! I have inquiries on my consumer report that I have instructed Equifax to remove and they refuse to follow the FCRA! They are clearly violating my consumer rights! The agent that I spoke to today has stated that she filed a complaint on the mail department because they arent doing their job by not uploading my documents, and the complaint number is XXXX, and she also filed a dispute to remove the unauthorized inquiries listed in my FTC report. The Dispute confirmation number is XXXX. Equifax has refused to upload my dispute letter which has supporting documentation to remove the unlawful late payments being reported on my XXXX accounts. This under the FCRA is defined as willful negligence and violates 15 usc 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Experian Information Solutions Inc.
State: TX
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:
Accounts that are open in my name that are fraud and I didn't authorize

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 2019-09-09
Company: WAKEFIELD & ASSOCIATES, INC.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a check from Wakefield and Associates , Inc. for {$29.00} dated XX/XX/XXXX.To learn more, I contacted XXXX based upon a XXXX search . 

The address on the check was listed as XXXX XXXX XXXX, XXXX, TN XXXX, A XXXX answered and I shared with him that I received a check from the company, but I did not know why. He asked me if I had an account, and I said no. The only information listed was XXXX, in which he did not know what the number represented. 

So, he asked me for MY SOCIAL SECURITY NUMBER and DATE OF BIRTH. I felt very uneasy providing my personal identifying information to gain further information about a {$29.00}. However, I went ahead and provided the information. After a few minutes, he told me that he only saw an account dated XXXX and that an amount of {$49.00} was listed. At that point, I told him that surely the check should have listed an account number for reference. 

So, I gave him all the information from the check, and he said it might be at the other location/company - XXXX XXXX XXXX. He said that the company recently brought it and that the transition would be in full effect in XXXX. He was suppose to be at another location in XXXX. 

He transferred me and the young lady listened and attempted to locate it. She was unsuccessful, so I asked for a manager. She said it would be 48-72 hours!! I told her that it was unacceptable and that I was VERY afraid and felt threatened since I gave my personal identifying information earlier. The young lady ended up finally transferring me to someone, and he was not a supervisor. However, after I talked with him, he transferred me to a XXXX XXXX, a supervisor. He was located in Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX. 

After minutes and minutes on the phone with me, he said that " he was going to help me out. '' The problem continued because he started asking me for my address, of which I gave to him. He did not have any information!!!!! But after looking on the internet, the company has a plethora of complaints, including scamming, etc. 

I ended the conversation because I felt very terrified that I provided my personal identifying information, including my address, to Mr. XXXX and XXXX!!! This is totally unacceptable!!!!!! They sent me a check for {$29.00} and no one has any answers as to WHY? This must be a practice that the company does to obtain personal identifying information. I hope that no implications will happened that would negatively affect my life!!!!!!!!!. 






Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a XXXX XXXX XXXX XXXX XXXX account. I called prior to submitting an application for a checking account. I asked if they will run a hard inquiry on any of my reports. The representative told me no, the inquiry would be soft. I was advised if I was applying for a loan or credit card it would be a hard query. When I pulled my Equifax report, I noticed that XXXX XXXX ran a hard inquiry on XX/XX/ I felt mislead my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: National Credit Adjusters, LLC
State: TX
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:
In XXXX it was brought to my attention that a collections company, XXXX XXXX XXXX XXXX XXXX, was attempting to get payment for a loan of {$1200.00} taken out on XX/XX/XXXX. This is a loan that I did not take out. They were threatening to have me arrested and would harass my family as well. I took steps with XXXX XXXX to clear the account they had under my information by completing a police report and writing them a formal response informing them that the debt was a result of an instance of identity theft. They told me that everything was taken care of. Earlier this year I received a letter in the mail from National Credit Adjusters , LLC, stating that they have taken over the account and that I now owed them the debt of {$1200.00}. When I spoke with them on XX/XX/XXXX they requested the same documentation, so after waiting to receive the police report, I sent them all documentation on two different occasions, XX/XX/XXXX and XX/XX/XXXX. I did not hear back from them until it was brought to my attention that my XXXX  credit score had dropped 115 points because of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
As of XX/XX/XXXX my account was locked once again because of square cash false accusations of suspicious activity a friend of mine was sending money she owed and me and cash app rejected my funds and locked my account for no reason at all I will seek legal help if this problem persists in the future

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: General Motors Financial Company, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My husband and I have been trying to refinance our loan that is currently with GM Financial since XX/XX/2019 due to the extremely high interest rate. On XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX again, XX/XX/XXXX, and XX/XX/XXXX we have requested payoff to XXXX XXXX XXXX XXXX. Each time, after being on hold for 5-10 minutes, the associates indicate that the payoff would be sent within 2 - 24 hours. We have requested the payoff be faxed to XXXX. On Friday, page 1 of  a fax from GM came through ; however, no payoff on our loan. To-date, XXXX XXXX XXXX XXXX   has not received the payoff. This is likely a ploy to retain more simple interest at 6.9 %!! This is an abusive practice!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no knowledge of these inquiries or collection accounts. Collection company or inquires can not provide information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Grain Technology, 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: Account status incorrect

Complaint:
On XX/XX/2023 I received notice that Grain XXXX  closed my credit card account with them and also reported it delinquent to all three credit bureaus without any prior notice to me. I have been making multiple on time payments every month and the account has not been late in over 10 months. I have reached out to Grain and as usual they have been unresponsive. They also fail to report to the credit bureaus on time and due to their app never working properly they have caused me to miss payment in the past that have also affected my credit. When I reached out in the past it would take weeks or months to get a response from this business due to their high volume which again would make it impossible to make payments on time. I have my bank statements that can verify that payment have been made on time and emails from grain that would show the account was not delinquent. There was a {$1000.00} and I had {$700.00} left to pay before they closed the account out and I had been making payment on time!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: BSI Financial Holdings, Inc.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Recieved letter from BSI Financial dated XX/XX/XXXX stating my flood insurance amount {$100000.00} does not meet the requirements of the company. they acquired the loan on XX/XX/XXXX from XXXX XXXX.. the mortgage amount is approx {$96000.00}. I called FEMA they give me the regulation that the minimum amount of flood insurance is the lesser of the value of the house or the mortgage or the value of the property. clearly would be the {$100000.00}. BSI told me they could care less about the minimum, they require the maximum {$250000.00}. To me this is clearly an overreach by BSI Financial and not good business practice.and will cost me a lot of extra money each and every year. We have lived in this house 27 years and have never had any flood problems.Was placed in the flood plan in XXXX when FEMA needed a lot more property to pay for national coverage I have talked to BSI 3 times and have got the same response and attitude each time.BSI Financial stated that if I didn't get additional coverage within 45 days they have a plan in place to charge me {$750.00} per year for the additional coverage. Please look at this business practice of over requirement on flood insurance. Thank you XXXX

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