BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-22
Company: CMRE Financial Services, 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/2017 company CMRE Financial had charged me for an amount of {$350.00} claiming I had used Ambulance Service in the City of XXXX at the time ( never in my life have I taken an ambulance ) I initially noticed I only saw it on XXXX credit agency and began to receive letters in the mail from CMRE regarding this charge/ account. I first contacted CMRE Financial asking to remove this false charge and letting them know they have the wrong person since I was never in XXXX CA in XX/XX/2017. I did not want to give them any personal info to confirm my identity after finding out they have a reputation online for scamming people. So I called XXXX to file a dispute and they resolved it and removed it from my XXXX  Report. Present day, I come to find it was also on my XXXX but this time the amount is an outstanding {$460.00}. The fraudulent charge/ account had been on my XXXX report also since XX/XX/2017 and I was unaware. I tried to contact CMRE Financial to see if things were different this time and they can remove this charge, but they continued to ask for personal information which I was not comfortable giving them. I tried to resolve the issue the same way I did with XXXX and after two disputes being filed, XXXX  is claiming the fraudulent charge/account from CMRE Financial to be accurate which is not the case at all. In the beginning when I was receiving letters in the mail I remember checking the date of the supposed use of the services claimed by CMRE Financial and I was scheduled to work at my previous job. I cant recall that exact date since its been years, but I was at work XXXX the day of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted a collection company that is the only negative thing on my credit report. I asked them to give me a better rate and i would like to pay it right away. I spoke to a supervisor named XXXX. I asked him to please provide me a debt letter as well as a letter in regards to our agreement which will state that I am paying them a lump sum of {$3500.00} and they will delete this off my credit report. He told me that by law he does not need to provide anything in writing and they will delete this off my credit report after i pay. I asked him politely to provide me a guarantee that this will be deleted and he refused. I contacted XXXX  and asked them if debt collectors can provide letters stating that after balance is paid they willl delete it from your credit report and experian said yes they must provide you a letter. Please help me resolve this issue. This is the only one account that is ruining my credit. My father had a XXXX XXXX in XXXX and was left a complete vegetable for almost 9 years. in XXXX he passed away and i had a hard time with finances. I am a single mom of XXXX with a good career and trying very hard to improve my credit, so i can be able to purchase a home. I can not afford to hire an attorney. XXXX  recommended i file a formal complaint with your agency

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
After having a credit card with Bank of America for about 14 years, I received notification in XX/XX/2020 that they were closing my account. I called them in early XX/XX/2020 to inquire about the closing of my account. I explained to them that I have never been late and require the credit card 's line of credit to be open as it will lower my credit score. Bank of America gave me a vague response noting that after a review was conducted of my account, they felt it was in the best interest of the bank to close my account. 

This was an undue burden and has shortened my average credit history, lowered my credit score, and has increased my debt to credit limit ratio overall. Consequently, the closing of this account has caused a domino effect. This is an undue burden on an XXXX XXXX service member under the Servicemember Civil Relief Act ( SCRA ).

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 2018-09-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. The last time I sent this issue to them they only opened a new dispute and I received the same results. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Equifax several times and they say the same thing over and over and over and over again, The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. The following accounts that are reporting are : XXXX 's acct XXXX, XXXX XXXX XXXX acct XXXX, XXXX  acct XXXX, XXXX XXXX  acct XXXX. As well as the incorrect address of XXXX XXXX XXXX, XXXX, XXXX XXXX I have never lived at this address. I have have been a resident of Illinois for over 15 years. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX  & XXXX  showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-26
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech began mis-applying my twice monthly payments as principal-only and showing my monthly payment as unpaid, accruing late fees. They accepted and properly posted these payments in XX/XX/XXXX and XX/XX/XXXX but inexplicably began posting these as principal-only in XX/XX/XXXX. They have since applied late fees and despite three calls to customer service over the past week, have not corrected the error. I am also receiving robocalls from Ditech every weeknight telling me to call Ditech but without any ability to talk to a live customer service agent. These calls are placed after their customer service hours, so I have to wait until the following day to contact them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX reported me 3-4 months late On a credit card balance of {$19.00}. 
They reported this to all three credit bureaus and it has affected my credit score. 
Contacted XXXX on XX/XX/XXXX and they told me that I have a zero balance as of XX/XX/2018 when they closed my account. 
I never received a statement from XXXX for months cause I had not made any charges on the card! 
XXXX would not contact the three credit bureaus on behalf to settle this problem!

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 2018-09-21
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am a student loan borrower having troubles dealing with my lender. I initially received Stafford Loans after the year XXXX with the intention of joining the PSLF program and entering medical school. After completing four years of XXXX  school at XXXX University in XXXX AZ, I moved to XXXX to start residency training at Advocate XXXX XXXX XXXX. In XXXX, I consolidated my Direct ( i.e. Stafford ) loans and submitted my first application for IDR plan. In XX/XX/XXXX, I started repaying my loans after a short grace period. Each year, I re certified for IDR plans. And each year, I paid monthly, even if the amount was XXXX dollars, based on previously tax year returns. In XXXX, I realized my former application for the PSLF program never went through. Not to fear, the PSLF program was retroactive. I successfully applied for PSLF in fall XXXX and transferred my loans to XXXX in XX/XX/XXXX. Both my previous employer and current employer were qualified under the PSLF program. Each month following, I checked in with FedLoan Servicing to check on number of qualifying payments. Initially, I was told it could take up to 90 business days. Ninety business days came and went. I was later told, the process was taking longer than expected. In XX/XX/XXXX, I escalated my complaints to a FedLoan Servicing Borrower Advocate. I was assured that there was nothing I could do to expedite the counting and that I should continue to wait. I was never given a count on number of qualifying payments. Unbeknownst to me, they considered my complaint an " appeal ''. The following months, I was told that my application was in process, but no definitive count was given. On XX/XX/XXXX, I talked with a Advocate # XXXX. He told me that the appeal process can take up to a year. He also informed me that he would produce an email to expedite the appeal process. He finally told me that I had 8 qualifying payments under PSLF, the first count anyone has given me in 1 year! Stunned, I did not know how to proceed. He told me XXXX would notify me with a letter once the count was finalized. By my records and calculations, I have over 50 qualifying payments towards PSLF. I am getting frustrated calling each month and talking with a different representative, only to be given the run-around and no definitive answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: Experian Information Solutions 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 status incorrect

Complaint:
XXXX continues to report incorrect credit information which negatively impacts my ability to obtain credit, rent an apartment of buy a home. XXXX indicates they rely upon XXXX XXXX and Experian Credit reports to verify the information they are reporting. 
XXXX XXXX responded in writing indicating the following accounts are not on my XXXX XXXX Account and not being reported. Experian has not responded. I am attaching ( 4 ) XXXX provided by XXXX ( Cancellation of Debt ). XXXX admits knowledge of my insolvency. Based on the attached, none of the credit bureaus or XXXX have a legal right to continue misreporting this information. XXXX abandoned all claim and cancelled the debt, as such they are not party to any claim, nor can they report something that is no longer theirs. Yet the reporting persisits. XXXX, XXXX, XXXX XXXX or Experian, perhaps all are working in concert to deliberately suppress my credit score by reporting false 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 2018-09-21
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: Account status incorrect

Complaint:
XXXX continues to report incorrect credit information which negatively impacts my ability to obtain credit, rent an apartment of buy a home. XXXX indicates they rely upon Trans Union and XXXX   Credit reports to verify the information they are reporting. 
Trans Union responded in writing indicating the following accounts are not on my Trans Union Account  and not being reported. XXXX  has not responded. I am attaching ( 4 ) 1099-C provided by XXXX ( Cancellation of Debt ). XXXX admits knowledge of my insolvency. Based on the attached, none of the credit bureaus or XXXX have a legal right to continue misreporting this information. XXXX abandoned all claim and cancelled the debt, as such they are not party to any claim, nor can they report something that is no longer theirs. Yet the reporting persisits. XXXX, XXXX, Trans Union or XXXX, perhaps all are working in concert to deliberately suppress my credit score by reporting false 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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2023-02-15
Company: GOLDMAN SACHS BANK USA
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:
Credit card from GM Goldman Sachs was mailed to my home. I never requested or opened an account from GM so I contacted # XXXX, found out card was open in XX/XX/2022 and all purchases were made one line without the card. I have reported the issue with them and closed the account also reported it as fraud. Please advise if there is anything else I should do. They have charged XXXX. I do not want to be held responsible for something that is not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I was offered a cash advance on my XXXX XXXX XXXX credit card and chose to borrow {$10000.00} as a cash advance to make a purchase. 

My credit score was XXXX before this transaction. I have not even had a first payment and this single transaction forced my credit score down to XXXX. This impacts my future borrowing capability and will increase interest rates. 

No other financial information on my accounts has changed. 

The change is egregious and no disclosure was made to the potential impact. I have contacted XXXX  XXXX XXXX and XXXX and received poor treatment and a total failure to explain why such a massive impact to my credit.

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 2021-09-02
Company: EQUIFAX, INC.
State: NJ
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Chime Financial Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chime states they pay 2 days early. The way it normally works, my payroll processes and I am credited in my Chime account 2 days later. On XX/XX/21 my payroll processed. I had {$100.00} set up on direct deposit with Chime and the funds posted in my Chime account on XX/XX/21. Since that direct deposit was successful, I tried again because I have a disconnect notice for my lights on which I am on a deferred payment plan and can not be late with my payment. I scheduled {$270.00} to deposit to Chime who said the only day they were not processing was XX/XX/21. My payroll processed on XX/XX/21. Chime states Friday XX/XX/21 was not a bank holiday for them. Here it is XX/XX/21 and I still do not have my funds available in Chime. I called and customer service knows nothing only tells me what I can see, the money is not there. I am being told to call my job and I confirmed a direct deposit for {$270.00} was processed to go to Chime on XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Freedom Mortgage Company
State: HI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I fell about XXXX payments behind in earlier XXXX. I was offered a loan repayment option to catch up over the next 4 months leading up to XX/XX/XXXX. In XX/XX/XXXX upon making a payment, the option online was not available, which lead me to call the mortgage company. They explained that I was to return some document that I never received and then provided me a loss mitigation application packet, in which was not received until 2 months later. Once received, the mortgage company began to ask for additional documents that were not part of the requested documents. Additional documents were sent once they were available ( taxes for XXXX & XXXX ), but then the mortgage company requested to resend the loss mitigation packet, additional documents ( such as pay stubs, bank statements ) claiming they were expired and/or outside of their timeline to complete the application. Again, this has been going on since XX/XX/XXXX and here it is XX/XX/XXXX and they are still asking for me to resend documents that they already have. I have been patient, but I am beyond aggravated with the process and the mortgage company! As a XXXX, I can only imagine how many other people, ( Veterans and/or Civilians ) that this company is taking advantage of. This has seriously affected me and my wife 's credit score ( no payment has been made in over 12 months due to lack of this company 's standard process. Please help me! This company should not be servicing our 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 2020-10-19
Company: SUN WEST MORTGAGE COMPANY, INC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Applied for a VA refinance of my conventional loan through XXXX XXXX. 
I have been charge closing cost totaling {$34000.00} to pay certain bills. 

Sun West Mortgage Company , Inc. is the lender of the loan # XXXX working with mortgage broker XXXX  XXXX, XXXX. Thus far the loan pay off to the XXXX of {$510000.00} is not paid. This group has serious problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
American Express has failed to abide by legal rights of consumers for fraudulent charges in the following ways:

"unauthorized charges. Federal law limits your responsibility for unauthorized charges to $XXXX;" - They charged me $XXXX for a fraudulent unauthorized charge.

"charges for goods and services you didn't accept or that weren't delivered as agreed;" - I did not accept the services and the the merchant attempted to deliver services that were substantially not as described and agreed.  The merchant also made false claims which American Express accepted without any evidence, proof or documentation.

"If the creditor determines that you owe a portion of the disputed amount, you must get a written explanation. You may request copies of documents proving you owe the money." American Express has claimed I owe the full amount but they have not provided any written explanation or any documents proving I owe the money despite multiple requests.  I do not owe the money, I refused the services.

"If the creditor's investigation determines the bill is correct, you must be told promptly and in writing how much you owe and why. You may ask for copies of relevant documents. "  No documentation has been provided despite multiple requests.  No reasonable explanation has provided regarding what I owe and why.  American Express has only repeated the false claims of the merchant stating that I was a "no show" rather than the truth that I refused the services.  There was no representative of the merchant on site that could attest to whether I showed up or not (I did).

"If you disagree with the results of the investigation, you may write to the creditor, but you must act within 10 days a

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
there is an alleged medical collection on my report that is less than {$500.00}. under your company anything less than {$500.00} can not be reported.

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