BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-18
Company: EQUIFAX, INC.
State: CA
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:
CFPB on XX/XX/XXXX Equifax reported to you that account XXXX was removed from my credit report I never received any document stating that. On XX/XX/XXXX in there changes to credit report it stated it was removed BUT NEVER WAS REMOVED NOT ONE TIME on XXXX again I filed a case still was not removed on XX/XX/XXXX after I phoned them about this the changed the account to charge off,? what changed that they Equifax can play games like this with out any violations XXXX to you CFPB, FTC, OCC, myself this has gone on for over 9 months now with me stating they are playing games and stalling { ling to you on response } remove this account for false reporting and please investigate the way they are doing there reporting. Equifax please explain how you can change you investigation from one thing to something else, are phone conversation you stated I had to wait the 30 days XX/XX/XXXX but you changed report on XX/XX/XXXX you stated you recorded are conversation which can be used against you. Remove this account also you were required to send a 5 day resertion letter never happened. Stall and games supporting Documents enclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Goal Structured Solutions, LLC
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Attempted to develop an alternative repayment method during a call in XX/XX/2022. Was told they could help become current on my loans starting the first week of XX/XX/2022 for a payment in the {$97.00} range ( specific amount unsure at this time ). Launch Servicing said they would send out information to me regarding this repayment plan. I received no such information. When I asked for this information they told me there was no plan in place and I was ineligible. This is totally inaccurate and has/will affect my ability to secure housing and student loans for my graduate program. I believe they acted in bad faith and were deceptive in their practice. I verbally agreed to the alternative repayment plan discussed but they are not holding up their end of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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:
This is XXXX XXXX and I am submitting this complaint to you today to request that the remaining fraudulent items be removed from my Credit Report. I appreciate your time to REMOVE some of the information in my file that resulted from the identity theft but I have ITEMS left that need to be removed. Per FCRA section 605 the Credit reporting Agencies are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. I need the dispute remaining items deleted completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance Owed : {$0.00}

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 2017-08-31
Company: Activehours
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Ca n't cash out said it waiting for my bank to send statement to XXXX XXXX. what taking so long to cash out. Need cash to prevent overdraft fees tommarrow XX/XX/XXXX. Please help me to fix this problem or ill be dealing with a XXXX dollar fee

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Per USAA report to me on XXXX via another CMFB complaint, I was removed from the USAA jointly held account # XXXX on or around XXXX without my knowledge or consent. 
I did not call, nor login online, nor sign a signature card requesting to be removed from this account. Furthermore, any signature that did remove me from this account would be a FORGERY. Any login that indicates I removed myself from this account would also be fraudulent as I did not do such. 

At the approximate time I was taken off acct ending in XXXX, there was {$6100.00} in the account. The following deposits totaling {$13000.00} were subsequently made to my joint account ending in XXXX ( ***after my removal ) for a total of {$19000.00} in credits to the account in the weeks subsequent to my removal : XXXX {$4500.00} XXXX {$400.00} XXXX {$2400.00} {$3000.00} XXXX {$1000.00} XXXX {$100.00} XXXX {$100.00} XXXX {$200.00} XXXX {$300.00} XXXX {$320.00} XXXX {$500.00} XXXX {$100.00} XXXX {$120.00} XXXX {$32.00} From my joint account for which I was fraudulently removed, please note the following debits and withdrawals : XXXX {$7100.00} {$1000.00} XXXX {$500.00} XXXX {$320.00} XXXX {$680.00} {$8500.00} XXXX {$370.00} XXXX {$100.00} {$530.00} autopay of loan XXXX These debits totaled {$19000.00}, resulting in the account being overdrawn approximately {$22.00} ; nominal interest is not considered. This account was subsequently closed after I was fraudulently removed from it and the contents were drained.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
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'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over 3 months, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.

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 2017-06-22
Company: Dovenmuehle Mortgage, Inc.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
DOVENMUEHLE MORTGAGE I have paid down my mortgage below 78 % from what i understand by law my mortgage company should just drop the PMI. They are saying i have to pay for a appraisal to drop the PMI. I got my mortgage XXXX/XXXX/XXXX. Its a waste of my time and my money ( {$620.00} ) to pay for a appraisal when house prices have doubled since i bought the home in XXXX. I pay my mortgage every month on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, 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:
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 2017-08-31
Company: CREDIT WORLD SERVICES, INC.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received statement in the mail about collection, I called asking for validation and was dealing with a very rude collection agent who then got her supervisor XXXX on the line! I asked XXXX for wet signature of the contract for which they are collection on, I asked for a company letterhead to include employee and managers name, the amount this collection company paid for this account and a copy of the companies XXXX and ein number. XXXX stated she would have to contact the original creditor for thisinformation so I wonder how are they reporting this debt without any information but the amount! XXXX aso stated she did not have to provide me with any XXXX or ein unless a 3rd party was making a payment, which I do n't understand! because they requesting payment from me and want all my information to makeup this debt! yet I do n't know who these people are! bottom line I is not my debt and they have not given me anything proving its mine yet they report it to XXXX XXXX XXXX! this is very illegal ... stop reporting or send me all documents I asked u for!

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 2017-04-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
They removed XXXX XXXX AFTER MY DISPUTE INVESTIGATION. OF ALL XXXX ACCOUNTS THAT DO N'T BELONG TO ME. I AM ASKING THAT THEY REMOVE THE OTHER XXXX ACCOUNTS LISTED AS XXXX FROM MY CREDIT FILE. 
ALSO ACCOUNT XXXX XXXX DOES NOT BELONG TO ME. THIS ACCOUNT AS BEEN REMOVED THROUGH XXXX CREDIT BUREAU AFTER THE INV ESTIGATION OF MY DISPUTE. PLEASE CONFIRM THIS STATEMENT WITH THAT CREDIT BUREAU. I have attached proof of certified letter I sent regarding this concern. Also evidence of the REMOVALS that have occurred by EXPERIAN regarding those accounts.

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 2023-04-01
Company: EQUIFAX, INC.
State: GA
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 medical transaction is being reported on consumer report which is a HIPPA violation. No medical information should be reporting on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: Financial Credit Service, Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I 've been receiving calls from an Illinois # for the past few days. Today, I decide to call back before I blocker it. I found it is a collection agency by he name of ARA. They said they were calling about a credit card I opened in XX/XX/XXXX and last appeared on my credit in XX/XX/XXXX. I asked about the time ( it 's been 16 years ) and was told it did n't matter. Then I was threatened by saying they could or would sue me. Then the guy I talked to said they saw I was connected to another credit account that was in good standing and they would collect from that. I called back to tell them not to call me anymore. Each person I talked to ( when I called back was rude, unprofessional and still threatening. I arguedo n't that I did not have a contract with them and this debt is over 16 years old and should have been cleared. I was told hat they purchased the account and I owe them. While I was talking to the first condescending representative, he just forwarded me to the office manager WHILE I was talking. The office manager was nothe any less condescending. As im reporting to the supposed office manager, I 'm told, completely nonchalantly, that he would have to review the tape to corrobviate my story. I ask, how long it would take and he, again condescendingly replies : I do n't know. Should I continue to be harassed, I will pursue the legal route ... ..but not before I report them to the FEDERAL TRADE COMMISSION, ATTORNEY GENERAL AND THE BBB!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Consumer Portfolio Services, Inc.
State: AL
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 had my car financed with Consumer Portfolio Services on XX/XX/XXXX. Due to financial hardships, I had to request extensions a few times so instead of my loan maturing XX/XX/XXXX it was extended to XX/XX/XXXX. Although my loan was extended 4 times, the maturity date was extended for 5 months instead of four. The problem arises because although I am considered up to date on payments with no late fees, my loan maturity date is still XX/XX/XXXX but XXXX states that I owe over {$5000.00} and my monthly payments are {$670.00}. 
I've called XXXX to try to understand why I would still owe that amount if I am up to date with no interest or late charges. They have not been able to explain why and have told me to just keep paying until it is paid off. I requested that they send me a copy of my contract two months ago but I have not received it yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Sentry Credit, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt shows Sentry is continuously reporting on my credit file that I owe this debt after I have disputed and the creditor has confirmed it was identity theft. The creditor stated that they have closed this account and I am not held responsible for charges.and that it will be deleted from my credit file. This dates back to XX/XX/2021 that I have been disputing.

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 2017-08-31
Company: FIRST HOME MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
My wife and I purchased a home through the XXXX XXXX XXXX XXXX. We closed on that home on XXXX XXXX, 2017 less than ( 1 ) month ago, during the inspection process there were issues discovered and the seller through their listing agent a licensed realtor of XXXX, the property is located at XXXX XXXX XXXX, XXXX MD. XXXX. the problem we are having is that during the home inspection the inspector noticed water damage in the ceiling of the main bathroom. The seller through the listing agent working with our licensed realtor XXXX XXXX XXXX agreed in writing to fix the problems. As a result of more recent rains the ceiling in the main bathroom is unsafe and unusable. All attempts to have the problem fixed have resulted in further delays and excuses. Pictures of the damage have been sent to XXXX XXXX XXXX the listing agent for my wife and I and that represented us the XXXX family through the process. The information I have for the Realtor is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Thank You for your assistance. This is n't a complaint against First Home Mortgage, rather against the listing agent and seller of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My account was compromised and funds where taking from my account fraudulently XX/XX/XXXX exceeding {$2000.00}. I reported to the bank and also made a police report. I have followed up with the bank on numerous occasions XX/XX/XXXX, XX/XX/XXXX ,XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX have not received any head way on the investigation. Also I returned all signed documents they sent me on XX/XX/XXXX via email & post office they cant even tell me if they have received it back. 
Next I have a transaction return of {$310.00} returned to my account on XXXX I dont see it in my statements nor does it reflect in my balance but when I called they said they can assure me its there. I added my total and the balance seems to reflect that it has not yet posted. 
They also mentioned that credits do not reflect in transaction history but this is also false because I have past transactions that have reflected a return amount. 
Im in desperate need of help I feel like Im dealing with a fraudulent institution

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: BSI Financial Holdings, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 I received an email from the Supervisor at BSI Financial with regards to my inquiry on removing the PMI from my mortgage. This was after having at least 4 previous calls with reps who were unable to understand the specific scenario and specific request. I began reaching out to the Supervisor XXXX XXXX by email on XX/XX/XXXX and XX/XX/XXXX in order to clarify some questions I had with regard to what type of Appraisal report was needed to be submitted for a " Borrower Initiated Termination of Conventional Mortgage Insurance Based on the Current Value of the Property ''. After an additional 3 calls and unable to get answers from frontline reps or from XXXX XXXX, the Service Provider, BSI Financial is not responsibly servicing my request to remove PMI, and not providing the information needed to move forward with the removal of PMI. This has reached a level of obstruction that needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: U.S. BANCORP
State: KY
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:
My husband 's ex employer said they overpaid him for paid time off that you took and they took the whole amount out of our check with made an overdraft the bank covered it and then left us with {$15.00} in our account

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 2022-08-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681a ( 3 ). You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681a ( 4 ). You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681b ( 2 ). | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. All 16 Dept of XXXX

Company response to consumer: Closed with explanation