BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
Company: CITIBANK, N.A.
State: CA
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:
In accordance with the fair credit reporting act, this creditor CITICARDS CBNA has violated my rights. On their 15 u.s.c. 1681 section 602, states I have the right to privacy. 15 u.s.c. 1681 section 604a, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. On their 15 u.s.c. 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2019-04-13
Company: The CBE Group, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CBE Group XXXX - Is reporting on my credit for a debt we do not owe. We are on a hardship/financial assistance program with the hospital and ALL my medical debts are included in that. This one is like 7 years old! You guys keep putting new collections on my credit report and the hospital has already told me they pulled them back. 
So I don't know why they keep doing this but I am tired of continuously fighting this with them. You are in clear violation, especially because we contact you every single time you post it on credit .... because, mind you, you never send a notice for me to dispute it, which is also a violation. 
But I contact them and fight with them every time and the hospital retracts the bills. I have this all worked out with the hospital and this needs to be deleted and they need to stop putting these on my credit! 
I am contacting my friend XXXX who is the Assistant Attorney General and I am filing complaints with them also.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: AmeriCash Holding LLC
State: SC
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I 've asked Americash Loans to stop contacting me several of times, and to only contact me through mail, yet they still call me. I received a call on Monday in which a guy told me that legal actions will be taken against me, and this evening XX/XX/2017 a lady by the name of " XXXX XXXX '' claiming to be an supervisor called me after I 've told them to stop calling me. A previous rep called me ignorant as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've been disputing this debt that is not mine. Everytime dispute is complete. The company sells it off to another debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Experian Information Solutions Inc.
State: DC
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:
XXXX, EXPERIAN AND XXXX REFUSES TO INVESTIGATE AND REMOVE XXXX XXXX XXXX AND XXXX XXXX and XXXX XXXX FROM MY CREDIT REPORT. THESE COMPANIES REFUSE TO DISCLOSE THE METHODOLGIES OF WHY THEY REPORTING THIS FRAUDULANT ACCOUNT AND WHAT INFORMATION THEY ARE OBTAINING FROM THE COMPANY!! THEY JUST KEEP SAYING IT WAS VERIFIED!! IT IS NOT VERIFIED!! DISCLOSE YOUR REULTS AND HOW YOU CAME TO THEM ALL TO ME -ALL THREE BUREAUS OR BE SUED AND REPORTED TO THE DEPARTMENT OF JUSTICE AND THREE STATES ATTORNEY GENERALSD!! THIS COMPANY IS GIVING CFPB XXXX THAT I AM NOT A REAL PERSON AND REFUSIING TO ACCEPT VALID STATE ID SENT TO THEM VIA THIS COMPLAINT TO PROVE MY IDENTITY TO INVESTIGATE AND REMOVE XXXX AND XXXX AND XXXX XXXX XXXX ALL THREE CREIT BUREAUS REPORTS!!. I DO NOT ACCEPT THIS COMPANIES RESPONSE.THEY DID NOT INVESTIGATE XXXX XXXX, FRAUDULANT XXXX XXXX XXXX OR XXXX XXXX AT ALL AND DID NOT SEND ME AN UPDATED COPY OF MY CREDIT REPORT. IN ADDITION IM A VICTIM OF FRAUD. THIS COMPANY IS LYING AND NOT PRODUCING DOCUMENTS UNDER FCRA SECTION 609 WITH MY SIGNATURE TO PROVE ALL THESE FRAUDULANT DEBTS, WHICH THEY ARE NOT VALID. EXPERIAN XXXX AND XXXX CAN NOT PROVE THIS DEBT IS VALID AND IS VIOLATING STATE AND FEDERAL LAWS BY NOT INVESTIGATING MY COMPLAINTS. XXXX XXXX AND XXXX ARE REMOVED FROM MY CREDIT REPORT. THEY ARE NOT VALID OR LEGAL DEBTS -THEY ARE FRAUD AND WILL BE REMOVED FROM MY CREDIT REPORT.I WILL SUE THIS COMPANY-EXPERIAN-I HAVE REPORTED YOU TO THREE STATE ATTORNEY GENERALS FOR FRAUD AND ILLEGAL ACTIVITY, NOT FOLLOWING FCRA. IN ADDITION THESE COMPANY IS REFUSING TO ALLOW ME TO ACCESS MY CREDIT REPORT ON XXXX FOR FREE THROUGH XXXX WHICH IS ILLEGAL. XXXX  REFUSES TO ALLOW ME ANY ONLINE ACCESS TO MY CREDIT REPORT ON XXXX AND THIS IS ILLEGAL UNDER FCRA. REMOVE THESE ITEMS NOW OR BE SUED FOR MILLIONS OF DOLLARS AND PROSECUTED BY THREE STATE ATTORNEY GENERTALS OFFICES!! REMOVE XXXX XXXX XXXX AND XXXX XXXX AND XXXX XXXX FROM MY CREDIT REPORTS, OR I WILL KEEP FILING COMPLAINTS AND LAWSUITS UNTIL YOU DO!! THESE ARE FRAUD AND EXPERIAN XXXX AND XXXX DID NOT AND CAN NOT PROVE THIS ARE LEGITIMATE DEBTS. THEY ARE ALL VIOLATING FEDERAL AND STATE LAW AND HEADED TOWARDS MILLION OF DOLLARS IN LAWSUITS BY ME. IVE REPORTED EXPERIAN XXXX AND XXXX  TO THE DC AND CALIFORNIA ATTORNEY GENERALS WHERE YOU ARE HEADQUARTERED. THESE COMPANIES HATE OUR NATIONS VETERANS AND WOUNDED WARRIORS AND DISCRIMINATE AGAINST XXXX PEOPLE, DISABLED PEOPLE, AND DISABLED VETERANS!!! DO NOT SEND THE ATTACHED DOCUMENTS TO XXXX AND XXXX AND XXXX XXXX THEY ARE FOR EXPERIAN/XXXX/XXXX IN PROVING MY IDENTITY.

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 2022-07-18
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I have submitted several request to Mr. Cooper/Nationstar to update incorrect reporting on my XXXX and XXXX report XXXX I have also requested the help of the credit agencies directly without resolve. They continue to report my mortgage was paid late, although that information is incorrect. My account was assumed by Mr. Cooper/Nationstar on XX/XX/XXXX, payment in full was received XX/XX/XXXX. 

The attached documents support my claim.Please take note, in the state of Maryland once a mortgage is sold. There is a sixty day period allowing for accounts to transfer and update for payment processing. 

I have requested correction, and Mr. Cooper/Nationstar continues to delay and falsely report my mortgage payoff. These inaccuarte remarks heavily affect my credit rating and livelihood. 

Attempts to resolve : Mr. Cooper/Nationstar XXXX Phone request XXXX Phone/ Email Request XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: TAYLOR MORRISON HOME FUNDING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Loan Closed XX/XX/2021 I was not able to qualify with the Builders Lender. 

All income and asset docs were submitted to the Lender along with my offer letter detailing my compensation. I was advised by the loan officer that my differential income ( production bonus ) would be treated as " commissions '' for the purpose of averaging my income. 

Egregious errors were made by the Mortgage Company in regards to calculating my income showing my earnings to be less than half of the actual income. It was presented to me that I had to sell my house and pay off a car loan in order to qualify. I was able to obtain financing and closed as scheduled without those conditions. It not only cost me extra in Rush fees, but I also lost the incentives listed in my contract. My loan was underwritten in accordance with XXXX XXXX guidelines as a XXXX loan. The mortgage company should have been able to do the same and approval should not have been contingent on the sale & settlement of my house + the payoff of a car loan. 
o I was given additional options due to an accommodation given by the Builder to address Contract issues. The incentives were more than the additional options, so it appears to be a claw-back. 

I contacted the XXXX XXXX XXXX & XXXX XXXX for resolution. The XXXX declined to make any adjustments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am writing to notify you of the negligence that Wells Fargo has committed in regard to my mother 's accounts. Well Fargo accepted an invalid power of attorney that named myself and my mother 's partner as dual power of attorney. Not only was I not placed on the accounts as a dual power of attorney, but the power of attorney was also witnessed by my mother 's partner, which makes it invalid, yet somehow Well Fargo accepted it. I have subsequently had a new power of attorney executed properly, which names me as the sole power of attorney. I presented the new power of attorney, which revokes the prior power attorney to my Well Fargo branch on XX/XX/2022. I spent three hours in the branch getting the documents processed to be sent to the Wells Fargo office to update the power of attorney on my mother 's accounts. I am as of today, XX/XX/2022, still waiting for the accounts to be updated. I have called my branch, the Wells Fargo XXXX number, the complaint number and have been told repeatedly that maintenance is backed up but they will try to expediate things. I have been told I will be called back by management numerous times and no one calls me back. This is unacceptable and negligent behavior from Wells Fargo. I need to have this looked into and rectified ASAP.

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 2023-04-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I had hard inquirys I did not authorize 1.XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX. XXXX XXXX XXXX ( Finance ) XX/XX/2022 3. XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 4. XXXX XXXX ( Retailer ) XX/XX/2022 5. XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 6. XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 7. XXXX ( Construction ) XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: USCB, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
USCB America is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this debt, I called and paid it immediately. I was very confused about this debt because I had no idea it even existed. I never received any calls, notices, or letters about this debt which violates my 30 day right to dispute. Not only did they fail to notify me for one of the debts but TWO. How does this happen? After paying and giving them some time to update I check my credit again to find that the debt is still being reported. This is ridiculous!!! I don't understand how this company can add these items to my credit without notifying me and continue to report debt when I have paid them. This is erroneous and ridiculous. I need this removed from my credit file IMMEDIATLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Chime Financial Inc
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Good morning. My complaint is with the online banking company called Chime. About a month ago I was on vacation and I received an email saying that my account needed to be updated and I must provide them with the following information like driver 's license, social security card, proof of residence, like a utility bill, and proof of income. Also, I had a {$90000.00} deposit that I received from my XXXX the XXXX XXXX, and the rapid funds I sent to myself. I didn't immediately get the information to them, even though they said that I had 5 days to do so or my account would be locked. I have been with Chime for years and never encountered any issues. Also, this isn't the first time I've had a deposit of that amount deposited into my account. Two years ago I had an amount for maybe {$50000.00} deposited into the same account and there were no questions asked then and no problems. I made calls to Chime customer service pleading and many times complaining furiously about my account. Even after I sent them the information they sent me an email saying that they were unfortunately weren't going to be able to unlock my account with the information I had provided. I am the only person on this account. I don't understand why am I explaining the large amounts of money deposited into my account which is nothing new, and how I am using it. When I tried to call and speak with them now I'm just getting the run around. The XXXX of the month is coming up and I have rent and other bills to pay. I don't want my family and I to be outdoors because they want to be different. I sent one last email pleading my case three days ago and they still haven't responded back to my email. I have over {$47000.00} in my account and I told them before that I wasn't leaving it. I now turn to you guys for help in quickly resolving this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: MD
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; STATE ECU XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; RESIDENT VERIFY XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a credit card with XXXX  XXXX with a {$300.00} limit. It was not maxed out. I became a XXXX   unexpectedly and could not afford any expenses beyond rent and childcare while I work at the time so credit card payments were out of the question. XXXX XXXX  would not work with me whatsoever. They supposedly sent my debt to LVNV LLC for the amount of {$780.00} which is almost double what the limit even was and the card was not maxed out. I have tried to resolve the debt numerous times but they can not locate my account yet they are reporting me in collections for the amount of {$780.00}. I have disputed this MANY MANY times but they will not rectify the account. XXXX  XXXX and LVNV are both reporting me delinquent which is destroying my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made a claim for over XXXX dollars that was directly linked to my personal belongings being stolen. The break in to my vehicle happened in XX/XX/22, I made a police report with the XXXX XXXX police department. I started noticing suspicious activity with my social security number, and soon after there was money that was taken from my chase account ( checking and savings ). I ended up making a few claims and all was successful except the last two, they were online transactions and non chase atm withdrawals. I ended up sending paperwork from the federal trade commission and the sapd police report. The chase claims department closed my claim because they said when asking me the protocol questions to the claim that they asked if I had my atm card on my possession, and I said not that atm debit card because it has already been canceled and I had a new card by then. This prompted the associate to misinterpret what I said and submitted that I said I had that debit card on my possession when this would be impossible because when I made the claim it had already been over two months and I have had three new debit cards since then and obviously they would know this because they assisted me with not only closing that card but also sending me a new card. Please help me with retrieving my money, I am struggling and this has become a very difficult thing for me to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: KY
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:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My wife and I were approved for a mortgage loan with Wells Fargo Bank in XXXX of XXXX. 
This was for a new home under construction. A closing date of XX/XX/XXXX was scheduled and accepted by all parties involved. 
A disclosure of closing costs was sent to us on XX/XX/XXXX. The total amount of money needed required by us, the borrowers, at closing was listed as {$2900.00}, but since we had already prepaid the appraisal costs of {$690.00} our balance due ( above the cash down payment ) was {$2200.00}. We got a cashier 's check for that amount.

On the day of closing, just two hours before the closing meeting, Wells Fargo sent a new disclosure of closing costs. This time the cash needed at closing increased {$2000.00} to {$4900.00} ( from {$2900.00} ). This is an increase of over 70 %! The law states they can increase the closing costs but only by a maximun of 10 %.

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 2021-04-07
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The Mortgage company Paramount Residentioal Mortgage Group, Loan # XXXX is charging me for gap coverage even though I showed documentation of payment of my insurance four days before it was due. 

From what I was told by my insurance Company, XXXX, they did not receive the check until the XXXX, 3 days after the due date and returned my check. This was an unusual 7 day delay, which was unbeknownst to me until a few days later. 

My insurance agent had to rewrite the policy and I repaid, renewing the coverage, ( acct # XXXX ) as of XXXX XXXX.causing the gap. 

I filed a complaint with the mortgage company through email, which was not accepted and then through their website as requested. the website was unable to upload documents and instructed to fax. I faxed the documents on a weekday around noon, but after many busy signals, they just did not answer the fax and my issue has been ignored.

Company response to consumer: Closed with explanation