BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-27
Company: U.S. BANCORP
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a phone call today from XXXX, it was an automated message stating my fiance, XXXX XXXX, owed a debt and it threatened court action if it was not settled. I remained on the line to speak with someone about it, and a guy came on the line and asked for a dispute number, I did not have one, so he put me on hold to look up XXXX XXXX. When he came back I was told that he owed overdraft fees of a US Bank checking account of {$1100.00}, and that with interest it would be {$1600.00}. I was told that a settlement letter was sent to our address 2 weeks prior to this phone call, and that after today, they were taking this case to court and after he would owe {$2900.00}, or we could settle the matter with {$1000.00}, but it had to be a cashier 's check or money order. The guy, who identified himself as XXXX XXXX, said he would put the case on hold for 2 hours, and sent me an email with a docusign document to sign and send the payment in with, I will not upload or have it faxed, I can not see the entire document. I spoke to XXXX about this, and he called US Bank who confirmed that this bank account was closed in 2013, there are not debts owed. I checked the Law Firm listed in the e-document, it is a vague website XXXX, and the phone number listed XXXX is listed as a scam online from many complaints. We are choosing not to respond any further to the phone calls, letters, or e-documents. XXXX XXXX knew our address and the last 4 digits of XXXX 's SSN.

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 2020-11-08
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was contacted via Chime 's support number by someone with my name, my user name, my debit card and my social security number. They gained access to my account and possibly cloned my debit card and made 7 transactions from XXXX XXXX PST on Saturday, XX/XX/2020 until XXXX XXXX  PST the same day totalling {$8200.00} ( nearly all of the funds in my account. ) These transactions were made by another chime user ( {$2000.00} to " XXXX XXXX " And the rest was made to " XXXX XXXX '' in North Carolina. I have read on XXXX  about many people having this same issue with Chime, and it isn't just the customer 's fault. Chime needs to do something about user security. I work very hard for my money, and it is all gone. I disputed these transactions the minute they happened with Chime 's support, as well as filed a police report with the XXXX XXXX Police Department, emailed The XXXX XXXX, filed a report with IC3.org and the FTC, as well as made a claim with the XXXX. Please help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent dispute letters to Experian and XXXX certified mail on XXXXXXXX  regarding a bankruptcy case number XXXX thats Inaccurate information being reported on my credit report. I am positive my information was obtained from XXXX to obtain inaccurate information from my public files which has been DELETED. If these credit bureaus did there diligence and obtained the correct information, they would see that the information they are reporting in regards to the bankruptcy stated above is extremely inaccurate. My credit is being negatively impacted due to there neglectful reporting and I demand Experian and XXXX remove this bankruptcy.It is not fair that they can simply snoop around and report only half truths and cause so much distress. They are in violation of my consumers rights under 15 us 1681a ( 4 ) consumer right privacy. This bankruptcy should not appear on my credit report.

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 2018-11-25
Company: EQUIFAX, INC.
State: MN
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 obtained a copy of my credit report and observed that there are fraud items on my report. I have disputed with Equifax and it's still not resolved. This fraud items are severely impacting my life. 
XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX CHARGE-OFF I did not authorize or open this account above and have in several letters provided Equifax with affidavit and police report and have not received a response. 

This are fraud and unauthorized inquiries on my credit report as well that are negatively impacting me and credit report. 

XXXX XXXX XX/XX/XXXX XXXX : :XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
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: Account status incorrect

Complaint:
I am uploading additional information pertaining to a previous problem I had with information on my credit reports that were showing a bankruptcy. The upload letter is from the bank stating there was no bankruptcy and that Information is to be deleted. However I still have an issue with this credit union because I did not have 2 loans with them. All loans were combined previous loans were paid off in full. This letter states there are 2 separate loans that is completely incorrect. I only had one loan with them that is supposed to be deleted off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: EQUIFAX, INC.
State: AZ
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:
XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 4th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: 21ST MORTGAGE CORP.
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is an ongoing issue with 21st mortgage Corporation. We have had our loan since XXXX and a voice kept in good standings up until we had a business go under in XXXX. But even then our priority was to get our home payment in as timely as possible. I was trying to call and deal with these people to let them know the plan. We've had an ongoing issue as I got hurt at work in a file for work comp. The staff in the entire company is so unprofessional with her attitude and demeanor is atrocious. I finally have my wits end today as I told them we have a plan to resolve but are waiting upon the US Postal Service. I was informed that I need they need to know exactly when I would be resolving, so I again told them the processing had been done at the company for the plan to get caught up with our payments, and just waiting for the US Postal Service to deliver the payment. As soon as payment is received I would be making a payment to them. Their response was as usual I'm irresponsible and have no priorities. Then we have to rehash the last 18 months of how we ended up where we are now even though they're supposed to be keeping records of all the times I have called and kept them up-to-date on all the developments that have happened in those 18 months. The one lady even said that's too far back it doesn't matter to her even though it's relevant to the Fact we are waiting on Workmen 's Compensation. After hanging up on them because there is no resolution possible since they demanded I have the payment in by closing time today or else. I found the hope counseling number on the Federal Trade Commission website. I worked with a counselor there and conference called 21st mortgage. Goal was to figure out some type of loan modification or plan to get caught up and they have no plans and they do not put dissipate with mitigation at all. She couldn't believe that they didn't work it any way shape or form to get a person caught up on their loan. He was at least professional in dealing with a phone call. When I have to call them again I will definitely be utilizing that the counselor has them mediator. They really need to work on training their staff to properly and professionally deal with collections versus the bashing, belittling, and bullying that is going on

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: CarMax, Inc.
State: NC
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:
I have a hard inquiry from CarMax, when I didn't want them to check my credit for a used vehicle on XX/XX/XXXX that wasn't me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Negative reports such as Pre-forclosure still in XXXX and multiple late payment reports on my mortgage account considering they are receiving my monthly mortgage payment automatically sent by XXXX XXXX  through our checking account. I was never contacted so it was a complete shock to me and my family that we will homeless unnecessarily! 
I settled the issue with Wells Fargo in order not to lose the house and in good standing but because of these negative reports I can not get a mortgage loan after we already put out house on the market. I was told I could never get a new mortgage loan right now due to this.

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 2021-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
THIS IS MY LAST SUBMISSION. THE CREDITORS HAVE STATED THEY HAVE ADVISED XXXX, TRANSUNION and XXXX TO REMOVE ALL REMARKS. I STILL SEE SOME OF THESE AGENCIES HAVING DISPUTE REMARKS! CLEAR THEM FROM MY REPORTS AS IF THEY NEVER EXISTED. HERE IS PROOF THAT XXXX XXXX CARD SERVICES ACCOUNT XXXX AND XXXX  CASE XXXX HAVE STATED THEY HAVE REQUESTED YOU TO REMOVE ALL REMARKS BESIDES THE ORIGINAL PAID IN FULL AND CLOSED ON XXXX AND XXXX DISPUTES CLEAR. XXXX HAS BEEN THE WORST TO DEAL WITH. THEY DO NOT HONOR ANY CORRECTIONS AND THEIR CUSTOMER SERVICE IS THE WORST. THEIR WEBSITE DOES NOT WORK FOR QUICK LINKS TO VIEW DISPUTES. I WILL BE CHECKING ALL OF THESE ACCOUNTS IN A MONTH. IF I STILL SEE ISSUES. I WILL BE LOOKING INTO REPORTING THEM TO THE ATTORNEY GENERAL, FTC, AND SUING THEM. 

IF YOU HAVE FIXED THE ERRORS AND IT TAKES TIME FOR YOUR UPDATES TO SHOW UP. I SINCERELY APOLOGIZE AND THANK YOU FOR RESPECTING MY RESOLUTION.

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 2021-07-13
Company: EQUIFAX, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
I have been working to get this inaccurate information removed from my report for three months now going on fourth months soon. I started sending letters to the bureau on XX/XX/2021. They have ignored them all. They are not doing their jobs and must not have anything on these account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Commonwealth Financial - {$660.00} for a medical debt from when we lived in Texas. We have not lived in Texas since XX/XX/XXXX. So the account open date on this one is WAY off saying it was opened in XXXX. FCRA Section 605 ( c ) makes it illegal for creditors, collection agencies, or credit bureaus to " Re-Age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: Experian Information Solutions 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:
I recently sent letters to all three credit reporting agencies Experian, XXXX and XXXX regards to XXXX XXXX XXXX XXXX. It saying that I opened a account in XX/XX/XXXX. I never opened up this account. They are saying I have several missed payments. They are saying that the s account is going to. Affect me to XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: CARD Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/21 I Submitted a direct debit transfer from my prepaid CARD.COM card.When logging into my newly opened XXXX XXXX Account I found that it I couldnt access it so I immediately called and found out my account was in Closing because of the Large amount of direct debits well I awaited two weeks only to receive a {$500.00} check from XXXX XXXX this was my opening deposit and as for the second transaction for {$1000.00} I was very upset to hear that XXXX XXXX couldn't locate my money I had to file a dispute it actually took 2 weeks for them to locate my money and inform me about the investigation they informed me in writing that they did locate the debit transaction and in writing they informed me it was sent the day it was received back to card.com now since then I have submitted 2disputes with card.com and just two days ago was informed by a representative the closed my dispute.Well I told him that I have new evidence to submit the letters from XXXX XXXX closing my dispute and informing me it was sent back to card com I have not received nothing by mail I have updated my number and card.com has not attempted to reach out to me and my {$1000.00} translation has not been deposited back to my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Resurgent Capital Services L.P.
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 been forced to file a complaint with the Federal Trade Commission and the Office of the Comptroller of the currency due to XXXX 's misuse of their dispute practices. Previously, I disputed accounts from XXXXXXXX XXXX XXXX LVNV Funding,  and XXXX XXXX XXXX I disputed these directly with the companies as well as with all XXXX credit reporting agencies. XXXX responded to the XXXX XXXX dispute by reporting the account " Paid in Full ''. XXXX responded that the account was " verified ''. This is incorrect. They did not properly dispute any of these accounts and they are preventing me from re-initiating a dispute again with the updated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: MIDFIRST BANK
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am on the delayed payment plan with Midland Mortgage until XX/XX/XXXX. Due to COVID, I was having trouble finding a job in XXXX  so moved to XXXX  for a new job in XXXXXXXX XXXX XXXX XXXX. My house is up for sale. I am supposed to have until XX/XX/XXXX and then a modification was to take place where the past due is put to the back of the loan and I continue making payments. 

However, there was a notice on my door from XXXX property group stating they are managing the property now. It was posted on XX/XX/2021. 

I was given no notice at all this was happening. 

The house is up for sale and it was quite embarrassing when a potential buyer was going to be shown the house on Friday XX/XX/2021. I did receive an offer last week that was extremely low and I would not be surprised if they were tipped off with the crookedness happening here.

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 2020-11-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My deposit was XXXX i got XXXX back. my name is spelled different on ssa card. im a victim of elder abuse XX/XX/11 credit breach ssa fraud all claims on file.

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 2017-11-20
Company: AAA Auto Title Loans, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I have had loans with cash 1 in the past and always paid them off and never had a problem with them. I would always pay my loans on time and in full. A few weeks ago, I talked to cash 1 loans to let them know that I had XXXX recently and had to catch up on hours at work. I let them know that I was behind on my rent and other bills and wanted to lower my payments so that I could catch up on those and still play them. I went into cash one store to cut off my automatic draft out of my bank account on my current loan so that I could stop payments from coming out my bank account automatically. Also, I wanted to see if I could set up a payment plan so that I could pay a lesser payment while I get back on my feet. I have had friends that had similar situations with cash 1 in the past and they were allowed to set up a different payment plan and take off automatic draft. Even a week ago I had a friend that did. Cash one said they can not take of automatic draft and that I could only pay the installment loan full amount an nothing would be allowed. Please do not do business with this company because they will not work with you if something ever happens to you, even though they have done it for other people. I have never had any problems like this before, and am very disappointed in a company that I once had the uptmost trust in. This is not fair treatment. Two weeks ago I canceled my automatic drafts with my bank since I ca n't through cash one and wo n't be able to pay anything since they will not allow me to set up a payment plan for a lesser amount. Friday, I looked at my bank account and noticed they withdrew {$150.00} out of my account even though I called my bank and stopped the automatic drafts. Yesterday, when I called my bank they said that the original time cash one tried to draft the payment it did not go through. So my bank said cash one changed their numbers around to try to draft the money out of my account until it worked. My bank tried to stop it after it started processing but could not. They said it was taken out. I want to take off automatic draft and to make payments in smaller increments and pay it off but I do not know what to believe anymore. Please be aware of this company if something ever happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: Dynamic Recovery Solutions, LLC
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I just checked my XXXX credit report and Dynamic Recovery Solutions has accessed my credit file 3 times on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I do not have any collections with this company, I have not been contacted by them about any debts, thus they are illegally pulling my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12
Company: EQUIFAX, INC.
State: GA
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 complaint file complaint stating my score is not being calculated properly Equifax especially has several hard inquiries that should not be on my report this has been on going I barely have credit and they are not updating my report as they should these agencies has been a detrement to my life. 

I need XXXX and Equifax to remove all old inquiries I have a XXXX XXXX limit on my XXXX that is not being reported by XXXX or Equifax

Company response to consumer: Closed with explanation