BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-13
Company: Chime Financial Inc
State: OR
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:
I opened a complaint with CFPB XXXX Chime bank has not provided any proof that they are correct. I've requested a statement with daily balances. Or any statement that shows the money credited to my account. Chime has not provided me or CFPB with any data that supports they credited my account., A hold was placed on funds by XXXX but never charged the account,. Chime removed the XXXX but once XXXXXXXX XXXX hold disappeared the funds were never returned to the account. 

I'm asking CFPB to force Chime to provided me with a statement that shows transactions with a daily balance from the month of XXXX statement period

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are a Florida company using a XXXX PA area code with a changed last for digits to get past my call blocker. I know this because I called back to get there automated message and did research on there company, Diversified Consultants. They have been doing this over the last mouth, starting on XXXX/XXXX/2016, the most recent call, using the number listed, being today, on XX/XX/2016. I did my research and I am SURE I owe nothing as far as debt is concerned. They have no reason to be calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
I had a credit card with USAA bank and defaulted on the card. I called USAA bank to settle and they told me that I cant because they wrote it off as bad debt and they sent me a XXXX back in 2013. They sent it to an old address.I requested a copy but they still are reporting a balance on all XXXX credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
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:
SECOND ATTEMPT!!! These Accounts must be removed immediately. I am not aware of their origin, and I do not remember any such accounts belonging to me. I demand that if you do not provide proof these accounts be removed within 7 days from the receipt of this notice. By law, and according to the FCRA I have the right to know what information you are using to report this information on my report. The following accounts must be removed NOW!!! XXXX. XXXX XXXX XXXX {$350.00} XXXX. XXXX XXXX XXXX XXXX {$1200.00} XXXX. XXXX XXXX XXXX XXXX {$850.00} XXXX. XXXX XXXX {$1000.00} XXXX. XXXX {$140.00} XXXX XXXX XXXX XXXX {$870.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
SECOND ATTEMPT!!! These Accounts must be removed immediately. I am not aware of their origin, and I do not remember any such accounts belonging to me. I demand that if you do not provide proof these accounts be removed within 7 days from the receipt of this notice. By law, and according to the FCRA I have the right to know what information you are using to report this information on my report. The following accounts must be removed NOW!!! XXXX. XXXX XXXX XXXX {$350.00} XXXX. XXXX XXXX XXXX XXXX {$1200.00} XXXX. XXXX XXXX XXXX XXXX {$850.00} XXXX. XXXX XXXX {$1000.00} XXXX. XXXX {$140.00} XXXX XXXX XXXX XXXX {$870.00}

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 explanation
Consumer complaint received 2021-05-13
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Reinstate my credit at XXXX XXXX I make payment well above the minimum more than twice the same month. A payment from XXXX XXXX bank checking to XXXX XXXX visa credit card was rejected. Account was funded and no reason to decline and or close account. This was during COVID and during times of financial hardship. 

XXXX trade line had for 3 years and 10 months and the charge ridiculous fees and membership fees. 

Wells Fargo closed my grandfathered account and holds my secured card that should be eligible for upgrade and hasnt upgraded. I had an auto loan with wells and that was paid off and well kept that should account for something positive in my credit line.

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 2016-01-25
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech Financial did not pay my county taxes with my escrow funds they collect, this resulted in delinquent taxes with late fee 's, penalties and interest being added to my tax account. I contacted Ditech ( XXXX XXXX ) via email & Customer Service via fax on XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015 each time they said they would take care of the taxes. I spoke with XXXX at DiTech XXXX/XXXX/2015 he said they would pay the property taxes. XXXX/XXXX/2015 I paid the taxes myself including the late fees, interest and penalties ( receipt attached ). XXXX/XXXX/2015 Ditech ( XXXX XXXX ) was contacted and sent my receipt ( via email ) showing I paid the the taxes & penalties, he said they would reimburse me for the interest and penalties. I have submitted written requests to DiTech ( XXXX XXXX & Customer Service ) on XXXX/XXXX/2015, XXXX/XXXX/2015 & XXXX/XXXX/2015 to reimburse me for the penalties and interest I paid as a direct result of Ditech inefficient servicing practices. This is fraudulent servicing practices and Ditech is in default of the service contract.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-29
Company: EQUIFAX, INC.
State: AR
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:
To whom this  may concern : I 've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau ( Equifax,   XXXX   XXXX   )  are neglecting to verify the accounts properly to determine which ones are duplicates o r original. Due to poor lack of investigation and communication I 'm requesting that all of the accounts be removed. All of the loans in question were recently consolidated but the negative accounts that have been reported are hurting my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Experian Information Solutions Inc.
State: PA
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:
Please delete this XXXX  XXXX XXXX account of my report. It has been on my credit way too long. XXXX, XXXX already deleted it. As u will see in the documentation provided by your own company it should be off already. Please fix this. Thank you.

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 2015-11-09
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 'm formally requesting you to delete 30 day late reported for act # XXXX for XX/XX/2015. My family on my behalf called Ditech to make a payment over the phone however it did NOT register in your system. I 'm a XXXX thus I used a line for XXXX to make the payment for XX/XX/XXXX and was assured that it will be property processed, but it was NOT. Now you are reporting a 30 day late on my credit report when in reality I was never late on this account it was YOUR fault and failure to properly process my payment. 
I 'm requesting you to delete this late reported as it is a violation and a discrimination on your behalf and it is hurting my credit greatly!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: Barrett Asset Recovery Services, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been receiving emails and phone calls stating they want to talk with me or my attorney. I spoke with XXXX representative and she stated it was for a pay day loan. I have never taken out a payday loan. They have called all my family members and when I ask for anything in writing they state they can only email.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03
Company: World Acceptance Corporation
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
World finance Corp is inaccurately reporting on my credit, this account is reflecting open which is impossible because the account is charged off as well as the date of last activity is reporting different on transunion and XXXX. The date of last activity is imperative to credit reporting because it directly affects how long an adverse account will be reported on your credit. I disputed this account and it came back as reported accurate. This creditor is in violation of federal and state laws and I will follow up my complaint with the Texas consumer credit commissioner and the Texas attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Over the course of the last week, my credit score dropped XXXX points on XXXX  The drop in credit score appears coincident with the payoff of a car I financed. I spoke at length to a representative at XXXX He told me that the score dropped as a function of paying off the car. I was shocked to hear that meeting the obligation of a financial arrangement would have a negative effect on my credit. I asked for a letter to confirm our conversation and he refused. 

It appears the credit bureau industry is not about assessing creditworthiness as much as rewarding those who go into debt with an incentive to increase their debt.

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 2018-05-29
Company: GreenSky, LLC
State: PA
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:
In XX/XX/XXXX I contracted with XXXX XXXX XXXX to install solar panels on my home. They provided financing through XXXX XXXX. I ended up cancelling the contract and offered to pay any out of pocket costs incurred in the week from signing the contract to the date of cancellation. This merchant initially charged me {$6500.00} in expenses due ( see attached list ). These charges included two reports ( a set of permit drawings and an engineering report ), see attached. According to the list of costs, those two documents should have totaled {$800.00} ; however, I still have no proof these were actually paid for by the merchant. 

He later submitted to Greensky {$11000.00} in expenses. The merchant and Greensky failed to provide proof of these expenses when asked. I have spent over a year disputing these charges with XXXX XXXX. On XX/XX/XXXX they informed me via email they removed {$7900.00} which left a balance of {$3100.00}. They attached documents to this email I was unable to open. I emailed back stating the documents needed to be resent as I could not open them and never got a response even after multiple email requests. 

In XXXX, I received an invoice for the above charges and contacted them right away to sort things out. My first concern was that I never received the documentation supporting the charges and the second was the invoice showed late charges. 

Greensky has been extremely uncooperative. They have not provided any documentation to support the charges. The merchant is out of business and has also not provided me with proof of payment. When I asked Greensky to provide proof of the charges, they stated they don't require proof from the merchant. 

Having no other recourse, I've since filed law suits against both the merchant and Greensky for fraudulent and unsubstantiated charges. 

In XXXX, while refinancing my home I discovered that Greensky reported me late 30 days, 2 times for the two statements I never received. I contacted Greensky again and was told they mailed them to the same address as the one I received and therefore there was nothing they could do. 

Due to their reporting me late for invoices I never received and assumed I was still disputing, it has had a serious negative consequence on my credit score which ultimately may lead to losing my new loan on my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-29
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a notification via a credit monitoring service that an account was placed into collections in my name on XXXX credit reporting system. The original creditor was listed as XXXX XXXX XXXX Hospital XXXX XXXX XXXX, and the collection agency was listed as Commonwealth Financial Systems , Inc . 

I called XXXX because the alleged debt would have been incurred six and a half years ago in XXXX 2009. I had already been advised by XXXX that my account was paid in full several years ago. When I spoke with XXXX they advised I did not owe anything and that they had not sent anything to a collections agency whether it be in the form of referral or by way of selling the debt. 

I called Commonwealth to discuss why they 're attempting to collect a debt which I had never received any communication, written or verbal, about the alleged debt. Commonwealth said they purchased the debt from XXXX XXXX, and that they " were not required '' to disclose to me the original creditor ( which is an inaccurate statement ). These phone calls were recorded, so this information can be validated. They also stated they had no information on the debt and refused to speak with the billing manager at XXXX, despite my authorizing her to speak as a third party concerning my account. 

I now have an account in collections on my credit report for which I was never invoiced, from nearly seven years ago. I am in the process of background and credit checks for a new job and I could lose this job opportunity as a result of this inaccurate information being reported to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: Credit International Corporation
State: ID
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
The man who called was speaking to me with a nasty tone and asking questions that were discriminating towards me, asking me " why are you talking so fast '', and you have a bank account dont you, very snotty, and talking to me very derisevely he made me feel like I was some kind of a low life and was asking for information that he did not need to know, when I told him I have no income and that my husband was the only XXXX with income he asked me where does my husband work, to which I told him that was none of his business, then continued to get very nasty with me still saying how he was gon na make the recommendation to the company that I didnt have a payment arrangement and wouldnt allow me to speak and told me have a nice day very very nasty like and literally hung up the phone on me. His name was XXXX, and I have never had anyone make me so angry so fast and talk to me in such a way, I felt like crying afterwards and he made me feel like I was being ridiculed by a parent and I was a child.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: Ability Recovery Services, LLC
State: GA
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 began receiving notices from Ability Recovery Services who is or represents XXXX. when I received the initial contact it was months ago via voicemail messages left stating that I owe them XXXX and I need to pay or else. Months have passed and now they pop up on my credit report. On XXXX XXXX I sent a formal request to send proof of my ownership of debt, their response was just another collection letter not responding to my request for proof. They are now reporting to all XXXX bureaus me owing {$22000.00}. It 's been over 31 days and they have not marked my account as disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
I have a XXXX XXXX card in good standing with a {$3000.00} credit line and currently at {$0.00} balance. XXXX has manually reported my card to Transunion but they have repeatedly failed to document the card on my credit report. XXXX advised to contact Transunion and after doing so today, Transunion referred me back to XXXX who can not assist further. 
There may have been a dispute with XXXX last year which was resolved. That is not a reason to remove the card which is active and good standing from 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 2017-02-22
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Hi, I have noticed on my credit score report that I have a debt under collections from a COMMONWealth Financial Systems. I have tried to contact the organization in regards to my bill that was first charged for {$170.00}. However, after seeing my credit score report it says I own {$510.00} and I have not received any letter saying why am I being charge for, who is the provider, and why I have not received any letter notification. After speaking with several representatives at Commonweath Financial System, I have been treated very rudely, unprofessional, discriminatory ( due to my english being 2nd language/the debt collector was correcting my grammar in offensive way etc. ). I have tried to understand why am I being charge the amount, and why the amount has changed. The reply from the debt collector named Mr. XXXX said : " it is a XXXX bill, you can pay me {$350.00} and we will settle with that ''. Constantly, ignoring my questions and ignoring to further explain what is going on. I asked Mr. XXXX : " This means you are requesting my credit card number right now, with all my personal information without giving me any explanation or written form? ", Mr. XXXX, replied " Yes ''. I am afraid and confused on what is going on, yet I can not get any explanation. 
If this bill proves to be mine and accurate, I will do the best of my ability to take care of it. Please, provide me with an advice, suggestion, anything that can help remove this confusion. 
Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: M&T BANK CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I received a letter stating Wilmington Trust holds the note on my mortgage I believe this to be false, the originator of the loan is XXXX which went bankrupt a month after I closed on my home, currently it states they still own my XXXX mortgage yet XXXX XXXX XXXX serviced my XXXX mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
National Credit Adjusters, at XXXX XXXX XXXX XXXX XXXX KS XXXX has been sending me collection notices in the amount of {$2500.00} the collection has been report as past due balance. I do not know this company. I do not know this company. I have never done any business with company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: EQUIFAX, INC.
State: FL
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:
GOOD AFTERNOON, ON MANY OCCASIONS I HAVE ATTEMPTED TO RECTIFY THE FOLLOWING ACCOUNTS WHICH ARE CURRENTLY REPORT ON MY CREDIT REPORT AS VERY NEGATIVE AND SHOULD HAVE BEEN RESOLVED A LONG TIME AGO : XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX  - XXXX, XXXX XXXX - XXXX. 

I HAVE NOT RECEIVED ANY RESPONSE FROM NEITHER BUREAU REGARDING THIS MATTER : EQUIFAX, XXXX AND XXXX. THESE ACCOUNTS ARE REALLY HURTING THE STATE OF HEALTH OF MY CREDIT AND SHOULD NOT BE REPORTING DUE TO THE FACT THAT NONE OF THOSE ACCOUNTS ARE REPORTING ACCURATELY, COMPLETE, NOR ARE THEY VERIFIABLE. I DEMAND TO KNOW WHY THESE ACCOUNTS STILL REMAIN, I REQUEST ASSISTANCE WITH THIS MATTER IMMEDIATELY AND I GREATLY APPRECIATE IT, THANK YOU.

Company response to consumer: Closed with explanation