BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-24
Company: Square Inc
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
So i opted to have my PUA ui unemployment payments direct deposited to my Cash App account ... Well i only received an amount under what i was originally supposed to get ... i was supposed to have had around XXXX deposited into my cash app account & i only received XXXX of it ... So i reached out to Cash app support through email & a few days later i got an email back & the lady said that basically no more than XXXX can be deposited at one time, so i asked if they could deposit the remainder of my money & she replied saying they couldnt do anything & advised me to reach out from where the money was being deposited from?? I asked her if the money was going to be returned to the original place it came from & she said yes it would be..with in 3 to 5 business days ... I tried asking replying back to the same person from the email from cash app to see if they returned my money yet & she preceded to tell me that she could do anything else further for me, that she has given me all the information she could ... So then i reached out to the Georgia dept of labor, again through email & the gentlemen i spoke with told me that everything looked fine on the depts end & basically they couldnt do anything to help me either .... So now this is my last resort to trying to get my money returned to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: EQUIFAX, INC.
State: GA
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 had an open account with XXXX and they are incorrectly reporting a missing payment from XX/XX/2019 when there was none. I called them to ask for an extension since my identity was stolen and said it would not report to the bureaus as late or missed. They said one thing and did another. This is is hurting my credit in a negative way and needs to be fixed asap. 

I will be including my police report as well for them to see. The rep on the phone was very rude and did not want to hear anything I said and hung up on me. This is no way to talk to a client.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I wish to remove the security freeze and fraud alert on my credit report. I tried removing both online with the pin I set up when I placed the alert, however Experian wont let me.

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 2021-02-27
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
The debt collector, Pressler, Felt, and Warshaw representing XXXX XXXX ( XXXX XXXX XXXX ) has failed to offer adequate customer support for the last 6 months. I have tried repeatedly to call the office at : XXXX and XXXX, extension XXXX and no one ever answers the phone. I have attempted calling them over 10 times since XXXX, XXXX, waiting for a total of many hours for a live operator to notify them that as a result of COVID and the lockdowns my income was significantly less since XXXX, XXXX and I was unable to pay my agreed upon payment plans. I was on NJ state unemployment from XX/XX/XXXX to XXXX, XXXX. 

Over the last 2 weeks, I have received court judgements against me and threats of garnishment of wages. 

I am attaching the judgements and wage garnishment documents. 

Sincerely, XXXX XXXX XXXX XXXX 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 2020-09-01
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX someone attempted to purchase a 2009 XXXX XXXX through Shift. They attempted to finance the auto via various financial institutions. A police report has been filed with the XXXX, CA Police Department ( XXXX ). They also stated I worked for XXXX XXXX XXXX. They applied for financing at the following banks : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The individuals that attempted to use my identity entered the following demographic info Phone XXXX XXXX XXXX email XXXX I would like these inquiries removed from my credit report as they are affecting my quality of life. 

Equifax Also fix your effing dispute UI. YOU CANT UPLOAD DOCUMENTS!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: EQUIFAX, INC.
State: AR
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 12. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 14. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 15. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 16. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 17. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 18. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 19. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 20. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 21. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 22. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 23. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 24. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 25. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 26. XXXX XXXX A on XX/XX/XXXX ( Reported Identity Theft ) 27. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 28. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 29. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 30. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: DHI Mortgage Company
State: WA
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 was alerted of an inquiry on my credit report which I did not approve. 
I closed a new mortgage loan with DHI Mortgage on XX/XX/XXXX and there is NO reason why they would need to pull my credit again, much less without my permission. 

I spoke with someone at their Loan Servicing Center and was referred back to the corporate office. I have left messages but no call back. 



These lenders have accessed your credit file : XXXXDHI MORTGAGE LTD Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX  XXXX., XXXX XXXX, TX XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: Debt Recovery Solutions, LLC
State: OR
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:
I hve disputed an unknown debt by a XXXX XXXX XXXX. It was removed three seperate times, after disputing the account. And each time they reintroduce the debt anew and it keeps lowering my credit score, all while I'm desperately and slowly making efforts to increase my score. I am even currently partnered with state vocational rehabilitation and they are working with me in all ways to improve my credit so I can become self employed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: MoneyLion Inc.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2021, I received an unsolicited letter in the mail at my home address from " MoneyLion ''. The envelope flap was sealed poorly and easily opened, it contains a MasterCard debit card in my name and a " Welcome to XXXX '' single page promo. On back of the page is a " Direct Depost Form '' with a deposit account number and routing number for an account with " XXXX XXXX XXXX Account ) '' with a signature field, that can be detached. I believe this account was opened in my name against the Law, since I have no prior business relationship with either MoneyLion or XXXX and never applied to open deposit or credit accounts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: Concord Servicing Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated robo calls attempting to collect a debt for someone we don't know. We haven't answered because we were told that if we did, we'd just get more calls. They identify themselves as Concord Servicing caller ID ( XXXX XXXX XXXX. 

My husband recently had a XXXX XXXX and is recovering at home. This company is calling at XXXXXX/XX/XXXXon the dot. Waking him up. 

We have started unplugging our phone, what else can we 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 explanation
Consumer complaint received 2021-02-27
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am distressed that I am having to file a complaint since my consumer rights have clearly been violated. Speedy Cash has been sending me collection notices in the amount of {$1200.00}, the collection has been reported as past due balance. I do not know this company. This Company does not have a contract with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: JPMORGAN CHASE & CO.
State: FL
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 had a car accident on XX/XX/XXXX. I took a leased car on XX/XX/XXXX from the XXXX XXXX  XXXX XXXX. The loan was pre-approved from XXXX 's bank, but the GAP company didn't process the payment they had to make for the car I lost in the accident. The dealer was scared to lose the contract with the new car. They looked at my credit score at the beggining, so I think they started to check my credit score again three times with three different companies without my permission, change the contract, and try to sell me the car instead of leasing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There are XXXX accounts that were opened fraudulently on all three bureau 's. XXXX XXXX. Transunion, XXXX  XXXX  XXXX XXXX, It was opened on XX/XX/XXXX reporting a $ XXXX limit, XXXX XXXX XXXX It was opened on XXXX/XXXX XXXX a {$520.00} limit loan, XXXX XXXX. It was opened on XX/XX/XXXX reporting a {$56.00} balance, I did not open these accounts, I did not sign my name on any of these accounts. I do not know who stole my identity to open these accounts, I previously disputed these accounts with all 3 bureaus, they have refused to take action to remove these XXXX accounts, nor have they provided me with any documentation verifying how they came to the conclusion that these accounts belong to me. They never said what person verified these accounts, they never presented any documents bearing my signature. Fair Credit Act Law states that they must verify, and provide evidence backing how and who verified the accounts. Once again I haven't received any such documents. I also provided a Ftc Identity Theft Report to back my claims.

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 2020-11-19
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Step 1 : What is this complaint about? 

The Complaint is with Ford 's Credit Dept. A.K.A ( XXXX / Internal name ) and Agent XXXX, who is in charge of an account. 

Step 2 : What type of problem are you having? 

Since Covid 's National pandemic started, I have communicated with Ford. I am a XXXX senior veteran, Also my wife 's caretaker and also XXXX. XXXX does have a 6-month extension program that helps its clients, through Ford Credit to prolong the lease, in the event a hardship occurs. Prior to Covid, I had 4 hardships used and are documented on Ford 's Internal system. Although grateful, and through the pandemic, I used my last 2 extensions. which an aggregated fee is charged by Ford Credit to exercise the option given. But during the Pandemic our monies were depleted because our main income came from hosting XXXX exchange students through the U.S. Department of Education in Washington D.C. So we did fall behind again making it tougher for us to stay afloat. 

Step 3 : What happened? 

I did receive a letter in the mail ( monthly billing statement ) that I was behind, close to {$1600.00} - {$1600.00}, Although we are doing the best during this Pandemic and living in the 3rd highest Covid cases in XXXX County, Upon calling Ford to notify them that I am unable to pay through their Account Manager Credit portal, I was transferred 3 times until a whippersnapper named XXXX answered. Upon our dialogue, he aggressively in an intruding like form started asking questions that are not protocol when attempting to make a payment, he asked, " who was XXXX XXXX  '', I asked him what does that have anything to do with me paying for the cars past balance, he aggressively continued to probe in an interrogating matter. He then asked me for a phone number, I gladly gave him my wives and he went on a hunt like manner and questioning every answer I gave using reverse Psychology as if we have committed some crime. I told him I would call him back and never did because I felt he went too far and disrespected us by blocking us to resolve the account with close to full past due payments. 

Ford Credit is the company I would like to pay XXXX to come current, but their account manager online portal payment tab is not available on my account because they have XXXX it and are causing further hardship on us seniors during the Covid Pandemic. if someone can email us with the proper instructions to pay the past due without getting interrogated would be appreciated. XXXX XXXX would be turning on his grave if he heard how we were treated. being XXXX customers since XXXX  I now will be looking into another foreign company that treats its Seniors with dignity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: EQUIFAX, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have 2 collections on my report inwhich I have disputed before and never received any documentation to the claims, but in the process I been mentally harassed by the fact. According to FCRA, if the claims do not follow with proof of such then the account should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Sessoms & Rogers, P.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a 3 letters from seasoms & rogers, P, A, ATTORNEY AT LAW 0N XXXX XXXX, 2017 they are saying that i owed to XXXX XXXX XXXX {$9.00} XXXX county case no. XXXX XXXX {$1500.00} XXXX county case no XXXX XXXX {$9600.00} XXXX county case no XXXX XXXX but, this account have been removed all from my credit report and from credit bureau because they were WERE NOT my accounts so the credit bureau removed them all they are no longer in my credit report but this company sessom ragers still harassing me and keep sending this letter with the police come knock on my my door all the time keeping sending me this letter all the time and they got my last four number of my social number but not all my social security of it so everything with company it is a wrong doing to my life i do not owed that is not my and i want this company to removed my name from their office i am not having anything to do with all this charges are not my they do not have all my social number they have only provide me last four number only i want this company to stop harassing me now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: AMERISAVE MORTGAGE CORPORATION
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The closing of our refinance with Amerisave happened on Friday, XX/XX/2021. We were supposed to have received payment by Thursday, XX/XX/2021. Amerisave has not paid the " cash to borrower '' or the other bills included in the agreement including the previous bank that the house loan is with. We have called and called and finally the originator service person called us back on Tuesday, XX/XX/2021 telling us that he had called the XXXX XXXX XXXX and they should be contacting us. This originator person ( XXXX XXXX said he would call us before the end of day. 

We have not heard from anyone and I will need to pay all the bills that the mortgage institution should have paid by now so I will not be late. With the way we have been treated, I am concerned about getiting reimbursed for paying the bills. 

The amount owed in cash to us is {$41000.00}. This greatly concerns us and has caused us much emotional strain.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2019 we received an alert from a credit reporting app called XXXX XXXX that our mortgage company, Fifth Third Bank had deported our mortgage as being late. We have had our month for 29 months and have never missed a payment. We immediately stopped in a branch to speak with a representative. After sitting down for 30 minutes with a representative who had to call the corporate office we were told we would hear back from someone. 
In late XX/XX/2019 we received a letter from Fifth Thrid dated XX/XX/2019 stating they apologize for the error of a late or missing payment and claimed they would fix the error on our credit reports. My score dropped over 80pts as a result of the error and my husband 's score dropped over 50pts. We have still yet to see the error fixed on our reports and we have been waiting now over 60 days. We have been eager to refinance our mortgage but are unable to because of how low our scores are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: Mr. Cooper Group 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:
Mr Cooper mortgage reported a 30 days late for XX/XX/2020 when it wasn't 30 days late. I contacted Customer Service and spoke with XXXX XXXX and he agreed it was not 30 days late and said he would file an investigation. This falls under the CARES Act of XX/XX/2020 as it relates to Covid19 and not report late payments on top of it not being 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WY
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 have called several times. Sent e mails and got one call back. I missed it she left a callback number and I tried to call the person over 20 times left messages every time and never got a call back or a response.

I was going through consumer credit counseling and had paid all my debts but the last one. One of the previous three was a USAA personal loan which they settled no problem. The last was USAA credit card and on XX/XX/2018 they FORGAVE the debt and sent me a 1099 which I had to report on my taxes as income,. Now they are reporting it as a debt that was not collectable on my credit report and they are dinging me every month for a late payment when they forgave the debt.

USAA also sent me a bill three years after I had gotten an auto quote with them and said I had a policy I never paid. I never took out a policy because they were a lot higher than the company I eventually went with.

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