BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
Company: ACIMA CREDIT, 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:
In 2018, I walked into the store XXXX XXXX to purchase glasses, when I got there I was told their company is fairly new and is offering fianancing as an option to retain glasses, the sales rep was very adamant in me taking the fianance option. I did, I paid the intial application fee and first payment the said day, I went back to collect my pair of glasses. When I got there, Acima the company of whom I leased my glasses from were already on the phone speaking to the rep, I was advised by the employee to advise acima that I had received my merchandise ( I had not looked at my glasses, or saw what it was, but I was told to tell Acima I got my merchandise ) I did, I went home and opened the glasses case and there were no lens in my glasses, I called back and went back to the store, they told me they will have my glasses back to me within 1 week, I called Acima at the time to stop the automatic payments that were supposed to be deducted from my account because I HAD GIVEN THE STORE BACK THE MERCHANDISE. I waited and called for about 2 weeks, and did not ever recieve my glasses back. I recently went back to the store after reviewing my credit report, which is being reported as collection and open, and was advised by the current employees that XXXX XXXX who was the employee at the time ) was no longer there & this institution had no knowledge or records of who I was. I called Acima and spoke to rep XXXX in resolutions department who told me there was nothing he can do, as the balance is from 2018, I had no choice but to pay it. He also advised this balance had since been paid from an insurance claim filed by Acima. I have disputed this entity on my credit report for years, and was advised by an XXXX employee agent to file a complaint with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


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 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 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 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 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: OPORTUN FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I spoke about my XXXX $ i have been paid on XX/XX/XXXX, i splain didnt have job for covi19, but i waitinng for money..he rescheduled a paynent for this moth XX/XX/XXXX th ..But the company OPORTUM.whos i always ii paid on time and its my XXXX loan sent me a letter charge me late fee snd interest, i called back again and they didnt want eraser the late fee and intereses for late they didnt understand, iwe have and emergency problem. and dont have work ... i tried paid the late amount but they still want charged me late fee and interes rate ..they dont want help ..i want paid but not interes rate not late fee ... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On or before XX/XX/2020 I was pressured by a car salesman to have my credit ran after taking in an preapproval through an auto company. He state that they would be soft pulls and would not affect my credit however the inquiries still show.

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 2022-08-24
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:
From XX/XX/XXXX until the month of XXXX of XXXX I have submitted multiple requests to have information verified and each time nothing happens. Please examine my documents I have put together that shows the credit bureaus incapability to assist me in the matter. 

As of XX/XX/XXXX I have received response from XXXX and Experian. Both companies are 100 % certain the investigation they conducted was thorough and fair. Attached will be a letter thoroughly explaining what information is wrong and from what 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 2022-08-03
Company: EQUIFAX, INC.
State: LA
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:
It has been proven that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: M&T BANK CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I did the loan modification after the forbearance but after taking the first payment was informed I had been denied for the modification because I didnt sign papers that I never received. After speaking with them again and making another payment they sent a new modification that was going to increase my monthly payments and put a lein or 2nd mortgage on my home, after reading over the agreement that was mailed promptly I contacted them to let them know I wasnt comfortable signing the agreement. I reached out to my hud counselor to see if they could get a better outcome.

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 2022-10-24
Company: Collection Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXXXXXX XXXX I provided insurance information. No respond. I requested validation of debt no response. I told them there was a new law that all XXXX XXXX must be removed as of XX/XX/2022 no response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The reason that I am writing its because I received a letter with some amount, that they said that I owe, and its because they add more people to my insurance policy with out telling me, or if they did, I never said it was ok to add those person and thats why my policy went up, any question I am free to answer Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
on XX/XX/2022 I paid someone {$850.00} for them to provide a service for me. I then cancelled my transaction, and they refuse to pay me my money back. I asked repeatedly nicely, he then blocked me. I put a dispute within my bank account and they decline it, I put in another one they have yet to contact me back. I have proof of this conversation.

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 2018-05-26
Company: Southwest Credit Systems, L.P.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I was notified by a Credit reporting agency that a collection account had been added to my credit report. 
I was not aware of any debt I had as I don't have any past due bills. 
I filed a online dispute through XXXX. 
On XX/XX/XXXX I received a letter from a collection agency Southwest Credit saying that I owe XXXX {$280.00}. I called the number and asked to have the negative credit report removed until there was the 30 day time period to verify the debt. 
The person had no idea how to handle to call and forwarded me to a recording where I had to leave my name and phone number. 
It appears this company has been " collecting '' this account since XX/XX/XXXX and states it is 3 months late. Although I have not had a notice or phone call as to a debt. 
This so called debt was brought up last year around this time by XXXX and when I disputed it XXXX could not verify it and the negative report was removed and that was that. 
Now this collection agency has bought it and trying to collect on a debt that is not valid and has reported contacting me. 
They said they sent a letter to an address lived at over 7 years ago. Yet today I got a letter in the mail at my current address 9 days after they reported late collections on my credit report. XXXX was given current address and phone number last year while verifying that I did not owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I called into the call center and made a payment arrangement to pay off the balance in full. I requested a payment to run for XXXX on XXXX  XX/XX/22. Because this would have fallen on my payroll date. I requested the payment to be taken out on my Checking account. Instead they processed the payment on an earlier date XX/XX/22. I called the customer service number XXXX. I advised them of the payment coming out of my account early and I advised that I was also charged a XXXX return check fee from my back. This has over drafted my checking account. They were not interested in making this right and proceeded to advised me that they want payment and would not refund me the full payment and would not be giving me the XXXX I was changed because of it. This is putting me into a hardship situation. The money I did have in my account was to pay for the temporary housing I'm currently living in. Without this money I will be homeless. I'm wanting the funds refunded to me ASAP. I also want the XXXX that was taken early and the XXXX Nsf fee charged by my credit union refunded. As well has any other charges that I may incur because of the mistake. I'm requesting that this item be deleted from my Credit report. Also I'm requesting Wells Fargo bank to Cease and Desist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
My credit report has incorrect information and is missing my correct address. I also am seeing unknown accounts 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 non-monetary relief
Consumer complaint received 2022-07-04
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
We took a second mortgage out in XXXX for an amount of XXXX. This loan was for our property improvements including fencing, grading, etc. In XX/XX/XXXX. We stopped paying due to the recession and medical bills of our XXXX XXXX. Just a few years later we tried and tried and tried to reach the lender who held the note. 

No one was sending us statements and we could not get any response. In XXXX I met with an attorney and he was not able to locate the holding company of our loan. It wasnt until XX/XX/XXXX that we were notified by mail that our loan had been purchased by Planet Home Lending and that we were in default ( letter attached ) and need to pay the balance due with no payment plan. Then in XXXX less than 1 month later ( attached ) they demanded the {$360000.00} with a {$22000.00} penalty if we didnt pay it by XX/XX/XXXX. 

We contacted them and asked how can we set up a payment plan and possibly refi the loan. They said thats not possible and you will have to deal with the holder of the loan XXXX XXXX XXXX which we were never provided a contact for. Fast forward to XX/XX/XXXX and we get notified by certified mail of NOD ( notice of default ) and that our home will be foreclosed in 90 days at auction. 

How can this be happening? They have provided us no way to to keep our home. 

How can this be fixed or some kind of repayment plan happen? They are trying to destroy us. Please help. This feels like predatory lending tactics. They are providing zero resolution options.This loan was done in XXXX. Is there any protection under Dodd-Frank rules or any other California options ? 

Please note that XXXX XXXX is who holds the money and Planet Home Lending is the servicing company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Chime Financial Inc
State: FL
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:
On XX/XX/2021 my card was stolen. I dropped it out of my pocket and someone picked it up without my knowledge until later on the next day. On XX/XX/2021 my card was used fraudulently at XXXX XXXX XXXX for a purchase of {$500.00}. I immediately turned off transactions when I realized my card had been stolen. I contacted Chime that day and informed them of what had occurred. They informed me that there was nothing that could be done until the transaction finished pending. I attempted to contact XXXX XXXX XXXX directly but they stated there was nothing they could do. As soon as Wednesday of that same week, the transaction had finished pending and I was able to file a dispute for transaction. I submitted all requested paperwork and information to file the dispute. I was told to wait 10 business days and that's when a decision would be reached about a provisional credit. On XX/XX/2021 I was sent an email stating that there was nothing that could be done and their investigation found no error had been made. After this experience, I will no longer be using Chime as my bank period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


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 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 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 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 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 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 non-monetary relief
Consumer complaint received 2022-09-30
Company: CCF Intermediate Holdings LLC
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:
This account doesnt belong to me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
There is an administrative fee added into the amount financed, which is improper and will result in interest being charged on the administrative fee amount over duration of the loan. For this reason I am rescinding my signature on the contract. This error is in violation of US Codes on Consumer Credit Transactions.

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 2022-08-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I filed an {$1800.00} claim for a manufacturing defect in a TV purchased at XXXX on XX/XX/XXXX with Chase Card Benefit Services under their advertised Extended Warranty coverage benefit as a Chase Sapphire Reserve credit card holder. 

I provided all requested information including copies of purchase receipts, credit card statement, copy of manufacturer warranty, 3rd party repair estimate and diagnostic fee as requested. 

Chase denied the claim on XX/XX/XXXX as it was covered by an extended warranty from the merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Westlake Services, LLC
State: TX
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 has violated my rights under 15 US C1681 section 602 states I have the right to privacy section 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions under 15 US C section 166B a creditor may not to treat a payment on a credit card account under an open and consumer 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 2022-08-03
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$100.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$450.00} XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$51.00} XXXX XXXXXXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$660.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXXXXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$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