BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-22
Company: MIDFIRST BANK
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
on XX/XX/2019, an attorney that represented Midland Mortgage was send to tell me that the bank was filing a foreclosure on my resident. I reached out to the bank to apply for a repayment plan. I emailed and faxed to midland mortgage my application. I reach out to the a week later, they said they never received my application. so i send it again. For two weeks, I have been reaching out to them. I have spoken to 10 plus representative and a manager they claim was a lost mitigation manager and he was a collection person. I have not spoke to ANYONE from LOST MITIGATION. Every time I tried to talked to that department, Midland Reps. stated " they can't be reach or there's no way of calling them ''. 
On XX/XX/2019, XXXX bank wanted a quit claim from me which I email and faxed to them on XX/XX/19. On XX/XX/XXXX, i called and they said I was denied for a repayment plain because my net income was not high enough which I found was weird cause during the same week they asked me for a divorce decree. My net income is {$7100.00}. I spoke to a manager and he told me to send {$6000.00} in and see if they would put the {$5000.00} attorney fees toward the back end and send in my child support doc.. I called on XX/XX/XXXX, I spoke to another rep. who said that they need a letter from Massachusetts saying I was getting child support. I am so confused on how they can denied a claim in 2 days and no one single person from lost mitigation representative is assign to it where I can talk to them instead of 10 plus people from different dept. etc. customer service and collection but I have not spoken to Anyone from lost mitigation. I have called every other day and spoken to so many people that is not from that department who have given me no answers to question I ask or wrong answer. I would like to have the CFPB help me find a solution with this mortgage company since I feel they are not even working on it and just denying a chance for a repayment since I only owe {$11000.00} which part of that is attorneys fee. I can make a {$6000.00} payment on tuesday XX/XX/19.

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 2019-08-22
Company: EQUIFAX, INC.
State: HI
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:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX ; XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX   XXXX XXXX ; XXXX XXXX, XXXX ; XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX/XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been attempting to dispute fraudulent accounts with the bureaus since XX/XX/XXXX when they were first brought to my attention. I mailed out the first letters, which USPS tracking showed were delivered on XX/XX/XXXX, requesting the fraud accounts to be investigated and removed if found to be fraud. I received no response, so 35 days later, I sent another letter which was delivered on XX/XX/XXXX. Another 35 days and I still received no updates and the items were still showing on my report. This was troubling. So I sent additional letters, giving the bureaus time due to COVID. The letters were delivered on XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. To date, I have received no updates, the accounts are still showing on my report and my lawyer is getting antsy to sue. This is my last option for the bureaus to remove the false accounts before I take up my lawyer 's offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX ; XXXX ; XXXX ; XXXX XXXX   ; XXXX XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX and XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: EQUIFAX, INC.
State: MI
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:
Noticed some accounts opened on my report I never was aware of or gave my consent to open. 
I just fully got to see the whole run down on my credit report and I notice the problem and made a FTC report. 

I contacted the creditors multiple times! but they provided me no feedback to this inaccurate information on my report I asked that it be removed off. As it is against my rights to the fcraa. 

Dept of Ed XXXX reporting 4 times Us Doe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries i do not notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: MoneyLion Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I qualified for the Pave The Wage Promotion with Moneylion, opening an account at the end of XX/XX/XXXX and making direct deposits of greater than {$3000.00} every two weeks starting XX/XX/XXXX. I was supposed to get {$590.00} after 90 days for maintaining that direct deposit, but have not received anything and no resolution from customer support despite multiple attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: Ricart Financial Services
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2018 XXXX contacted my husband regarding my car payment advising him that I had a payment due and telling him that well she had a payment returned, one payment was 30 days late and this payment is about to be 30 days late ... he asked her why she was contacting him, she said because I cant get in contact with her well she only called once and I am at work. First of all I dont know how she got his information second of all you shouldnt be calling and giving him any information regarding my account and what happen on my account. He gave me details of what happen on my account. This shouldnt be happening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
American Express Personal Savings Account # XXXX The N.C. unemployment website wouldnt accept my normal banks routing number to receive my unemployment benefits, claiming that the routing number didnt exist, so I looked up other banks routing numbers and American Express happened to be the first one I found that XXXX would accept. I filled out the application and was accepted for a savings account. A few weeks goes by and I am issued my first unemployment payment, with some back pay included for a total of {$2200.00}, but for some reason it wasnt direct deposited, it was issued to me in a check. Since I opened the account specifically to be able to receive my unemployment benefits through direct deposit, I went ahead and mobile deposited the check into the account so it would have a balance on XX/XX/2020. For new accounts they have an 11 day hold on mobile deposits after the check is approved, and I was aware of this at the time of the deposit. On XX/XX/2020 I receive an email stating my check was approved. On XX/XX/2020 I receive an email stating they have deposited my check for {$2200.00} into my personal savings account ending in XXXX. On XX/XX/2020 I attempted to login to my account to initiate a transfer into my checking account where I normally bank, and to my surprise I am unable to login. I contact American Express support and am told without any explanation that my account was closed and they would not be issuing me my deposited funds and wouldnt get any further explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have incorrect information on my credit file that does not belong to me. If you can not prove that these accounts belong to me ( which is impossible because they are not mine ) than they must be removed by law.

XXXX   COLLECTIONS : INQUIRIES : - XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX COLLECTIONS : - XXXX - XX/XX/XXXX - {$40.00} - XXXX XXXX - XXXX  - XXXX XXXX XX/XX/XXXX - {$170.00} INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX COLLECTIONS : INQUIRIES : - XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Westlake Services, LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I was in an accident that totaled out my XXXX XXXX XXXX in XXXX, I had purchased GAP insurance with the vehicle and it paid the remainder of the loan. Westlakefinancial then released the lean on the title and sent it to my GAP insurance company signifying the remainder of the loan had been paid. Unknowingly Westlake financial hadnt include my last payment due, in with the remainder balance, to be paid by GAP. Its been impacting my credit in a bad way for years now and they will not work with me to help resolve the issues.

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 2018-02-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I attempted to purchase XXXX XXXX Tickets for {$350.00} through Wells Fargo 's online banking app via XXXX. The funds were sent to the recipients bank called XXXX XXXX XXXX. 

Within 30 minutes from making the transaction and NOT receiving the tickets I filed a claim with Wells Fargo to stop the transaction. Wells Fargo responded to my claim with an initial letter that said they were investigating and that they would be contacting the other bank ( XXXX XXXX XXXX  ) and seeing if they could refund my money. On the same day as this letter, they sent a 2nd letter saying that there was nothing Wells Fargo could do and that the claim was closed. I've asked them if they could verify that the stolen/illegitimate checking account could be shut down - WF says that is up to XXXX XXXX. XXXX XXXX  will not discuss another account with me because I'm not their customer. 

However, Wells Fargo did tell me ( and I've learned ) some interesting things. In the letter they said that my transaction was initiated on XX/XX/XXXX. It did. They also say that this transaction did not post until XX/XX/XXXX ( 2 business days later ). This was after my dispute was filed and after they " opened '' their investigation. Fishy. I have attempted to recover these funds with no success. I have also filed a police report. Wells Fargo also advised my to hire a lawyer. I am not sure why they would recommend this is as I believe they are advising me to sue their institution to recover my funds.

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 2021-02-25
Company: Ability Recovery Services, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I spoke with collection agency on XX/XX/XXXX regarding an account thats no longer in collection, due to bankruptcy discharge. I was told the account would be removed from XXXX, however it wasnt removed.

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 2017-08-03
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received my first contact about a debt collection in process in XX/XX/XXXX. I immediately disputed with the collection company and the original debtor in writing. As of XX/XX/XXXX I have not received a response from my letters sent in XX/XX/XXXX. This past week I had applied with a rental property to move into a new apartment and I ca n't because this collection was placed on my credit report in XX/XX/XXXX. I had no knowledge of the debt collection nor was I given the opportunity to dispute it, provided any of my rights to dispute, and my XXXX credit score when from XXXX to XXXX from XX/XX/XXXX to XX/XX/XXXX although I have paid down my personal credit cards and have had no late payments ever since XXXX. I pride myself on my credit and paying all credit card and debt obligations in a timely manner. I was also denied a credit card in XX/XX/XXXX and was n't provided the details of this debt collection except that my credit score was too low. This has extremely impacted me in a negative way and I need to have the collection debt removed from all XXXX of the credit bureaus immediately. I have opened separate disputes with them as well. I appreciate your help and any guidance. 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 explanation
Consumer complaint received 2020-12-03
Company: ALLY FINANCIAL INC.
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 advised the credit reporting agency is breaking the law and asked for the inaccurate account be deleted and removed from my credit profile.

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 2018-07-11
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The account was mishandled by original creditor. I had full XXXX Medicaid and the company set up payment arrangements with me instead of billing Medicade now the debt was transferred to a collection agency bad debt not owed by me but should have billed medicade

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: I.C. System, Inc.
State: IL
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:
theirs a creditor I C Systems on my credit report that i had to get credit repairs to remove i was a victim of identity theft that is why this item was removed from my report before this is not mines

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 2020-05-13
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: Information belongs to someone else

Complaint:
MY IDENTITY WAS USED TO OBTAIN GOODS WITHOUT MY CONSENT OR KNOWLEDGE I DID NOT AT ANYTIME APPROVE OR WAS AWARE OF ANY SERVICES THAT THE PERSON WHO USE MY IDENTITYNTHE ACCOUNT WERE OPEN FRAUDGENTLY I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX   and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2018-03-29
Company: CURO Intermediate Holdings
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
XXXX XXXX/Speedy Cash stated on XX/XX/XXXX that a signed agreement with XXXX XXXX was in effect to negotiate a payment on my account. 

On XX/XX/XXXX XXXX XXXX/Speedy Cash sent me an e-mail asking about information about my credit card numbers. 

Such action is in violation of the signed agreement XXXX XXXX/Speedy Cash have with XXXX XXXX and constitutes harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The statute of limitations has passed for the PAID debt listed by XXXX XXXX   XXXX and reported by Experian on my Experian credit report. Experian has failed to take any action on a previous dispute about the same PAID debt.

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 2019-11-07
Company: Resurgent Capital Services L.P.
State: SC
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 am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: SYNCHRONY FINANCIAL
State: WA
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 unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX, SYNCB/AMAZON add a hard inquiry on my credit report per XX/XX/XXXX. On XXXX XXXX, XXXX, SYNCB add a hard inquiry on my credit report per XX/XX/XXXXOn XXXX XXXX, XXXX, SYNCB add a hard inquiry on my credit report per XX/XX/XXXX. On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-02-22
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In the midst of the pandemic my boss took over the payroll duties temporarily. He made out my payroll check for {$2900.00} However in the description line he wrote XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents. He did not notice the error and I did not catch it, I mobile deposited the check and it went through the drawn on bank. Citibank subsequently froze the account from the XX/XX/XXXX deposit to investigate. They determined that even though they could find no evidence of fraud they decided to close the account as well as my savings and I was informed that this would take place in 60 days. After numerous phone calls and stalling by them and statement notification of closure as of XX/XX/2021 I have still not received my funds of {$5700.00}. There has been more than enough time for this bank to refund my money. I have called and been promised and lied to non stop. I want this practice of freezing accounts and withholding of funds to have accountability by regulators and investigated as discriminatory since by anectdotal accounts by others- XXXX XXXX XXXXXXXX and XXXX sounding surnames are disproportionally affected by this practice. I will be more than happy to testify against Citibank.

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