BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Per the attached letter, I have been contacting Equifax by mail, phone, and online to remove a consumer statement- to no avail. I even tried to have it change to no avail. I simply want the consumer statement removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
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 2022-10-07
Company: Chime Financial Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hello - I recently new to chime, now my account is closed because of the incident. I had a man in my home doing tiles on my ceiling. I entered his contact name into my phone to pay his through chimes transfer service. When he didn't receive the money within ten minutes i called chime. Chime stated a user name was associated with my contracters phone number and the money went to him. They stated to contact them to request the refund. While the worker was still in my home and i was on the phone with chime. I entered his number for a second time and requested the money back. He received that text but he had never received the money. Chime notified me that the money had went to another user of chime. The contractor opened up a chime under his phone number and opened his checking account the money wasn't there. Chime stated some other member named XXXX had my contractors number on file then they claimed this " XXXX '' had no number on file and refused to cancel the tranasaction saying there was no error. I still had to pay the contractor so I used XXXX XXXX within the same hour and stayed on the phone with chime for hours being passed around. I even contacted XXXX XXXX XXXX who stated to come here now because they are refusing to take accountabilty for transfering my money to the wrong person. It was XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied a lease buyout auto loan from XXXX. When XXXX try to pull my credit. They unable to pull my credit score. Im been back and forward calling XXXX and equitably. Nothing can be done. Please help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: Support Collectors, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I hired a fencing company in XXXX XXXX to install a new fence. They damaged my landscaping and did not install the fence per our specifications. They were paid 65 % of the estimate but refused to correct the issues for the remaining balance. Another contractor was hired and paid to fix the fence and the landscaping. The fencing company has now sent the balance to a collection agency who has reported this on my credit without any proof that the money is owed. Collection agency was advised of this in XXXX XXXX and again in XXXX XXXX - no further legal action has been taken by the collection agency or the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: WELLS FARGO & COMPANY
State: TN
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 own two Wells Fargo lines of credit. In XX/XX/XXXX, Wells Fargo sent notices to customers of this product stating it would close zero balance accounts unless customers drew funds from their lines of credit by the end of XXXX. In order to keep my lines of credit open, I drew nominal amounts ( {$50.00} and {$65.00} respectively ) from these accounts. Now, I used to have an automatic payment set up for these accounts. Perhaps, due to dormancy, Wells Fargo deleted those automatic payment schedule. As a result, I received notices in XXXX stating I had late payments and fees of {$26.00} on each accounts. I immediately called Wells Fargo. After countless redirects, I spoke to someone who understood the issue supposedly and agreed to remove all late fees from my accounts. However, they failed to follow through and only removed one fee from account A. I paid the underlying balances on both accounts on XX/XX/XXXX, and continued to follow up with Wells Fargo regarding the promised removal of the late fees. 

During months of disputing these fees, Wells Fargo reiterated their mistake multiple times and their agreement to remove them. On XX/XX/XXXX, they finally removed the last fee from account A. However, they somehow failed to do the same on account B again! I emailed them immediately on XX/XX/XXXX yet again, and they apologized for the oversight, but it took until XX/XX/XXXX to remove the fee from the account B. 

In the meantime, despite the ongoing dispute over the fees that began in XXXX and my payment of the initial principal that was not in dispute, it appears Wells Fargo had been reporting my non-payment to all credit bureaus at least since XX/XX/XXXX. My score has tanked from XXXX to XXXX solely from their reporting on these two disputed {$26.00} fees. I discovered this issue only today, XX/XX/XXXX, when my credit union stated I was no longer in the preferred category for car loan rates. 

I have complained to Wells Fargo to ask them to reverse their reporting to the credit bureaus, but Im lodging this complaint because I no longer trust them to follow through and feel there needs to be a backstop on their accountability.

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: Experian Information Solutions Inc.
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 XXXX Account # XXXX account # XXXX account # XXXX has violated my rights.

15.U.S.C 1681 section 602 A states i have the right to privacy 15.U.S.C 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish a coount without my written instructions

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 2019-06-10
Company: HCFS Healthcare Financial Services of TeamHealth
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: Account information incorrect

Complaint:
I have requested multiple times for this account XXXX to be investigated properly with the original creditor and I'll I get is a response that the " data furnisher '' has verified the account. Yet the account being reported does not have any information on who the creditor is? Contact information? On some of my request I have asked who and how the account was verified to make sure it was not dont through what is known as the XXXX system or similar to it which does not constitute proper validation. I have also requested if the Reporting Agency XXXX  has HIPPA release to hold such information since it is a medical account and again have failed to provide such, I will also follow a complaint with HHS.gov

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 2022-12-15
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Subject : Loan # XXXX To whom it may concern : I received a letter from my old mortgage company on XX/XX/XXXX stating that my loan was being taken over by Specialized Loan Servicing LLC ( SLS ). On XX/XX/XXXX I called SLS because I did not receive any letters from SLS or notification of payment I was assuming at the time my payment was due on the 1st. I spoke with XXXX with SLS wherein she told me that she only saw that SLS has the loan but no other information. She advised that I should make a payment via the SLS portal but that someone would be calling me to introduce me to SLS within a few days. I set up a payment via autopay with my bank on the 6th, SLS received the payment and I set up another payment for the XX/XX/XXXX which has also been processed. 

Today, I got a notification from my bank that my account is overdrawn by close to {$3000.00}. Keep in mind that I have still not received ANY paperwork or the phone call that I was supposed to get last week from SLS. I called the bank to see what was going on and to my surprise SLS took money out of my account WITHOUT PERMISSION OR ANY DOCUMENTATION. So now I have sent you {$6000.00} - {$3000.00} WITHOUT PERMISSION and my account is overdrawn - 10 DAYS BEFORE XXXX!! In addition, after doing some investigation in their portal, I found that a payment was not supposed to come out until XX/XX/XXXX AND that I had requested it - which I never did. What kind of company is this? How extremely unprofessional. 

Further, I called XX/XX/XXXX and spoke with XXXX who had ZERO empathy for my situation and REFUSED to let me speak to a supervisor. Are you kidding me??? A customer who wants to speak to a supervisor should be able to do so - especially if trying to get to the bottom of a very bad situation. She told me that XXXX should have told me on the 6th that I was set up for automatic payment. I told XXXX that XXXX told me she has no information. 

I have been the person that has been proactive. What am I supposed to do??? I still have no documentation of my mortgage being taken over by this company, yet they have {$6000.00} of my money, and absolutely no employees that will help me. What a horrible organization. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD 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 2022-07-18
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Freedom mortgage continues to provide in inaccurate payment history to Lenders I am trying to refinance. The last payment history Freedom provided shows 30 day late payments for XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have attached a copy of the inaccurate payment history.

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 2022-07-19
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:
This is my fifth try to inform you that I am a victim of identity theft and I complain to question particular item in my document discovered because of some inattention. The record I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud : XXXX XXXX XXXX ; XXXXXXXX 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 US SM BUS ADMIN ODA 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 2022-10-07
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am making a dispute against XXXX XXXX in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT, 15 USC 1692G SEC.809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit reports. This action constitutes fraud under both Federal and State Laws. Also, the stature of limitation is up on this debt and is no longer collectible

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt was disputed with the original creditor XX/XX/XXXX. The issue is long over the 7 year limitation. The collection agency continues to maintain this disputed debt from XXXX on my credit report even though it shows the debt is in dispute. I would like your assistance getting this account removed from my credit reports with all credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech is claiming that I have a escrow shortage and need to pay {$160.00} more per month than the anticipated disbursements THEY calculated for the year. Where is this extra money going? Will I get a refund at the end of the year? Will my payments go down months later? How much of these additional funds of mine do they have now? Additionally, my payment is due on the first of the month, and they call daily, morning, afternoon, and night, in the same month before it is even 30 days past due. I believe they are breaking laws re their handling of escrow funds and collection practices.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
This issue goes back to   XXXX    2016. My  credit card was compromised and I contacted  Syncrony B ank who is the acting agen t for Walmart Corp. Sinc e the initial problem they have re-issued my credit card 3 times and issued credits. I have fraudulent charges every month, have to call them, get credits and complain about their out dated system that does not allow consumers to be alerted of any charges that does not have the physical card present. Funny that  XXXX   XXXX  and  XXXX  have  21st ce ntury technology that does allow such notification. Further the charges re-occuring every month is for  XXXX  with the charges occuring in  New York  even though I live i n South Carolina and never been to New York. Since this mess has started and after reading   about numerous complaints against Syncrony I have quit using the card but they are so stupid that i can not stop all charges withou freezing my account completely but that stop me also from logging into see if I am getting further charges the will not alert me about or even pay my bill.

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 2022-03-24
Company: Ability Recovery Services, LLC
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2017-01-14
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
On XX/XX/XXXX, I was sued in XXXX County, XXXX Superior Court by XXXX via XXXX. I received a judgement and the collection agency that contacted me to collect on XXXX loans was Gurstel Chargo through Attorney XXXX XXXX XXXX, whose phone number is : XXXX and email address is : XXXXXXXXXXXX. Gurstel Chargo 's local address is : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. A payment schedule was agreed upon and I began making payments XX/XX/XXXX. Gurstel Chargo has XXXX file numbers for these loans : XXXX and XXXX. They have a Processing Center at : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX, XXXX, Fax, ( XXXX ). My complaint is the consistent failure or refusal by XXXX XXXX or the Processing Center to send me periodic payment statements indicating payment history and the amount of interest I have paid on these loans as this information is necessary for tax purposes. I had a conversation XX/XX/XXXX with XXXX XXXX that he agreed verbally to send me a statement every two months. I recently, again requested XXXX XXXX send me a 2016 year-end statement indicating student loan interest paid by leaving a phone message on his voice mail XX/XX/XXXX. He has done nothing since XX/XX/XXXX. I have called the Processing Center on two occasions XX/XX/XXXX requesting a payment history statement and they informed me both times that they do not send out these statements. I have no idea if my payments are being properly recorded or how much I still owe. Also, I have no idea my that payments are being applied to my XXXX loans from XXXX because this is XXXX that have a pool of loans. I never pursued the issue of ownership of XXXX owning my loans from XXXX before a judgement was rendered because of a lack of resources and I was assuming an executorship of a family member 's estate who was XXXX XX/XX/XXXX that made it difficult to get to court to defend myself. Could you please address these matters because I am tired of Gurstel Chargo 's arrogance in their dealings with me. Also, I have filed a complaint on XX/XX/XXXX with the Attorney General 's Office of XXXX. Nothing has been reported by them to date. Thanks, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX CT XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX EMPLOYER : XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/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