BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-04
Company: Forster, Garbus and Garbus
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Since regulatory action was taken in XXXX 2015 by the CFPB against the agency in which this law firm represents for many various issues, the validity of any alleged debt produced by this organization should be called into question. An attorney has reviewed any of my alleged debts and has advised me that I am judgment proof. However, this legal firm ( Forster & Garbus ) decided to sue on an alleged debt owed to XXXX ending in XXXX. They proceeded with a special civil suit in XXXX XXXX, NJ, XXXX for a total alleged amount of {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Convergent Resources, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent my letter on XXXX XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CONVERGENT OUTSOURCING : XXXX XXXX XXXX XXXX XXXX XXXX Also I have attached the letter sent out. 
According to the FCRA the term Investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. I have the credit reports showing the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10
Company: RGS Financial, Inc.
State: OK
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:
On XXXX/XXXX/2015 I began receiving calls and letters from RGS regarding account # XXXX for a debt of {$180.00}. The creditor is listed as XXXX but I do n't have any credit cards or loans with them. RGS has failed to provide me with any further information and have been calling me repeatedly about paying. I gave it a couple months thinking they 'd figure out it was n't mine, but the calls keep coming.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: CarMax, Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The account holder of the auto loan have made payments desired for the loan. When payments have been made, the company does not accurately input the information regarding to decrease credit score tarnish credit history such as delinquents.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have had a checking/savings account with Wells Fargo since XXXX. Without any contact or warning, my account was shown as frozen around XXXX XXXX, XXXX. I got a letter from Wells Fargo stating that they were closing my account due to a " business decision. '' No further explanation has been given. At the same time, I am not allowed to withdraw any of the money that I have to check or to another bank until Wells Fargo 's arbitrary date of XXXX XXXX. They are holding almost {$8000.00} in funds from my use, which I need to help pay my bills. They have not been helpful either over the phone or in the branch.

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 monetary relief
Consumer complaint received 2015-12-29
Company: DCN Holdings Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX forwarded XXXX cases for collection against XXXX XXXX XXXX and XXXX XXXX XXXX On XXXX XXXX XXXX. XXXX amount of {$7400.00} and for XXXX. XXXX {$7700.00} to Accounts Receivable Collection Agency. 

For XXXX XXXX XXXX the amount of {$6500.00} was sent to us and received the check from him on XXXX/XXXX/2015, and deposit the check on XXXX/XXXX/2015. This check was paid before we sent XXXX XXXX XXXX to the collection agency. Since the check XXXX. sent in showed the XXXX. XXXX home address, we applied this amount to XXXX. XXXX account only to be notified by XXXX that the check was to be under his account. So we changed XXXX. XXXX Invoice showing this amount as paid. Please see attached check and deposit slip for detail. Collection agency is claiming for this amount which they have no right to do so. 

For XXXX XXXX XXXX, amount of {$7700.00}. We did submit to them on XXXX XXXX the invoice however two days later, XXXX XXXX, we were informed that our Service department was to fix his system on site and h/o would pay us in full. I notified the collections agency via email on the same day to cancel this transaction. In the agreement that we signed, states if we submit an invoice and cancel it, they can charge us 10 % of the total bill. That is not an issue. 

The collection agency only collected from XXXX XXXX XXXX a total of {$7400.00} yet they seem to think they collected a total of XXXX. Which is impossible because they did not collect for XXXX XXXX XXXX. 

This agency had collected back {$7400.00} and sent us check # XXXX for {$2900.00}. They claim they charged us 10 % of XXXX. XXXX amount of {$7700.00} which should only total {$770.00} and our agreement for the {$7400.00} was 27 % however, they kept almost 40 % of XXXX. XXXX. Check which they never sent us nor do we know what check number XXXX XXXX XXXX sent them. They kept his check and sent us less then what was promised. We have all documentations if needed to follow our statement. Please let me know if you need me to email them to you. 
The bottom line to make more sense of this issue is this email being sent to XXXX XXXX XXXX XXXX : Dear XXXX, As stated, you collected for XXXX XXXX XXXX the amount of {$7400.00} which 27 % is owed to your company totaling {$1900.00}. You took 10 % of XXXX XXXX XXXX amount of {$7600.00} which totals {$760.00} because we canceled the transaction. When you total XXXX that we owe, the total should be {$2700.00}. You sent us a check for {$2900.00} CHECK # XXXX. Your company took the remaining balance of {$4600.00} which is not our agreement. Your company owes us a total of {$1400.00}. Please submit to us by next week XXXX/XXXX/2015. 

Regards, XXXX XXXX Customer Service Supervisor XXXX XXXX, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have request that the reporting company to remove the inaccurate information that is reporting on credit report. I was a victim of ID theft along with the Equifax XXXX XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX. The inaccurate info is currently reporting on my file. Here are following inaccurate accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS YOU CAN SEE THESE ARE FRAUDULENT ACCOUNTS. I have request to have these items remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE ASK TO HAVE THESE ACCOUNTS REMOVE BECAUSE I NEVER APPLIED FOR THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: ID
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
SEVERAL CALLS AND VOICEMAILS THREATENING ME THAT I HAVE PENDING CRIMINAL CHARGES AND WILL BE SERVED. I HAVE VOICEMAILS THAT HAVE BEEN LEFT ON SEVERAL OTHER PEOPLES VOICEMAILS WITH ALL MY PERSONAL INFORMATION THAT IS VIOLATING MY PRIVACY. I WAS ALSO NEVER READ THE MINI MIRANDA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Linebarger Goggan Blair & Sampson LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Received a letter from " Linebarger Goggan Blair & Sampson, LLP '' stating I owe {$490.00} in unpaid court dues to the from an unpaid traffic violation in XXXX XXXX dated XX/XX/15. Not only can I prove I was not within XXXX XXXX on the day in question, I never once received any correspondence about this supposed violation prior to this letter. This letter also does not list any details about the vehicle that was supposedly involved in this violation. In XXXX  the name of this " law firm '', it appears multiple people are being targeted by this same scam in multiple states.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XX/XX/XXXX, I assumed ( through the VA Loan Assumption process ) the current loan. Just prior to the loan assumption process being complete, the previous owner filed for bankruptcy. Once the loan assumption process was complete, it was understood that the bankruptcy filing would not have an effect on me and would be removed from the loan due to the fact the previous owner who filed for bankruptcy was no longer on the loan nor listed on the deed. My attorney and I ( I have had to hire an attorney to try to resolve this issue ) have been in contact with the mortgage company since XX/XX/XXXX requesting that the bankruptcy status and any affiliation of such be removed as the mortgage company is/was reflecting my mortgage loan account as being in an active bankruptcy status as I have never filed for bankruptcy or ever been affiliated with any actions. The mortgage company has continuously given us the runaround, provided inaccurate information and this issue continues to go unresolved. 
To explain the attached documents is as follows : Attached documents reflect bankruptcy filing of previous owner, ongoing response reply finally in XX/XX/XXXX then followed on in XX/XX/XXXX stating that they agreed and confirmed I was not included in the bankruptcy filing and that my account would be removed from the active bankruptcy status effective XX/XX/XXXX. Upon follow-up to confirm this was removed on XX/XX/XXXX it was noted that my account was still listed in an active bankruptcy status and that no one was advised to remove this status from my account. On XX/XX/XXXX my attorney and I left a voicemail message to XXXX XXXX XXXX of Wells Fargo Customer Care and Recovery Group, advising her of the ongoing issue still requiring resolve and requesting her assistance and immediate feedback. The letter dated XX/XX/XXXX from my attorney was spawned in connection to the continued inaccurate information and lack of proper account update. On XX/XX/XXXX, Wells Fargo then mailed the attached letter which specified I was discharged from personal liability for this mortgage loan and that my loan was in default, stating I needed to bring the loan current with further language of we can not delay potential legal action, which may include foreclosure, and although you will not be personal liable for the debt, you will lose interest and rights to the property. This letter was inaccurate and quite displeasing to receive as my account was current, never late and the inaccuracies listed within the letter were abounded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I am a single mother with XXXX daughters and XXXX XXXX XXXX 30 days ago I spoke to a representative from Golden One Credit Union Bank ( XXXX ) for my car loan. I informed them of my basic need to reduce the amount of my monthly payments to something more affordable since my income had reduced dramatically. I also informed them that this loan is owned by myself and my ex-husband, whom is currently incarcerated and there is an active restraining order. There is also a no contact order which makes it impossible to receive a signature. 

That being said they have decided to not allow me my price reduction on my car loan due to this signature that I simply can not obtain. They then transferred me to their collections department stating that they could find a program that could further assist me and I have since received no further assistance or information to assist me in this issue. 

I also wanted to include that when they initially assisted me with the issue, I was informed that they could help me, but that I would need to submit a loss mitigation packet which would take 20 days to process for an answer to consider a decision. After I waited the 20 days and filed all the paperwork, only to have a superior tell me that they would have never assisted me with the reduced payments without my ex-husbands signature.

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 2016-02-25
Company: WELLS FARGO & COMPANY
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Wells Fargo re-ordered my transactions to post the newest, largest debit first and the oldest, smallest debit last so that the first would put my account into the negative and then charge XXXX {$35.00} overdraft fees. There were only XXXX debits. XXXX for {$4.00} and XXXX for {$20.00}. Wells Fargo purposely re-ordered the transactions to result in XXXX fees instead of just XXXX as the first was covered by my balance in the account. The second was a bill payment that they rushed through on the same day when it normally takes that payment XXXX3 days to post. So they rushed the {$20.00} bill payment through in order to incur {$70.00} in overdraft fees. I made a deposit of {$40.00} cash the next day and then discovered that the bill payment had already posted and incurred the fees. The previous month, it took 3 days for that payment to post to my account which is normal as I have been making that monthly credit card payment for years and it always takes several days to post.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
These Inquiries are to be removed they do not belong to me delete these inquiries from my account XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
Hello, Upon reviewing my XXXX XXXX business checking account to prepare for second quarter financial statements I noticed XXXX unauthorized ACH debits on my account paid to the merchant USAA. Upon noticing this fraud, I reviewed my personal account and found an additional XXXX. The detail on the bank statements for these XXXX charges are as follows : XX/XX/2016 USAA XXXX {$10000.00} XX/XX/2016 USAA XXXX {$5200.00} XX/XX/2016 USAA XXXX {$5200.00} XX/XX/2016 USAA XXXX {$5100.00} XX/XX/2016 USAA XXXX {$5000.00} XX/XX/2016 USAA SAV-XXXX {$5000.00} Until I saw these debits, I had never heard of USAA let alone do business with them or authorize them to take any money from my accounts. I understand they are a financial institution for military people. I have never been in the military, nor has anyone in my family. The individuals listed above in the transaction detail are unknown to me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
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:
See attached. Experian has received all attached documents by mail as of XX/XX/2022 according to XXXX. They have failed to follow legal obligations to block and delete fraudulent transactions on my consumer report. XXXX XXXX has admitted that they have no knowledge of any transactions made by me, however Experian is still reporting false inaccurate information about me on my consumer report. 

Let the record 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 non-monetary relief
Consumer complaint received 2016-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America closed out a file that we were processing a short sale on with no explanation other than the investor denied the file. Now that we have received an offer on the home for the short sale on XXXX/XXXX/15. BofA has now closed it our again in the Equator system. The reason this time was because FHA/HUD denied the file which is not correct. XXXX the negotiator who was assigned to the file advised us that their was no reasoning as to why they wanted to close the file, so we contacted HUD directly and escalated the issue with them personal. I have spoke with XXXX at HUD informed us that they never denied the file at all and that he would have management review the information. Bank of America in little words is on HUD 's XXXX list as they are having several complaints about the way they service their loans. The new case # with HUD is XXXX. XXXX at HUD who has been the only person talking to about these issues, is really helpful to us in this situation at the moment. Usually when a investor denies a file for a certain reason, the negotiator person assigned to the account at the lenders will contact us to inform us. At that time we would take the appropriate actions to adjust or agree to their request so we could proceed with approval of the short sale of the home. We turned in our offer to Bank of America in time to the ATP ( approval to participate ) expiring. We also could of closed on this short sale of the home several times before if BofA would n't close this account out every time or would take so long to complete the modification requirements prior to proceeding with the short sale and or reviewing the file before the buyers walk. We have had XXXX buyers walk on this property because of the lengthy time and/or person assigned to work the account not working it or to even review the information or documents sent in. The BPO/Apprisal came back at $ XXXX and the offer we got is $ XXXX, which is a good offer to meet the BPO/Apprisal net. From my point of view they just want the property to go to foreclosure and not work with us or the sellers on short sale of their home. Bank of America never followed short sale protocol and/or the investor requirements or request. HUD/FHA is highly upset with BofA and is implementing new procedures for Bank of America to follow, which will hopefully help the situations in the future. HUD/FHA is constantly having their property closed out and go to foreclosure instead of helping the home owner like they are supposed to and or required to do. Please help in anyway possible ... 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 non-monetary relief
Consumer complaint received 2015-04-24
Company: Navient Solutions, LLC.
State: FL
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:
I was a guarantor on a loan for my Kids, and I am know being Audit by the IRSI spend an entire week trying to get information for the loan in question by IRSCancellation of Debt : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX / Date XXXX/XXXX/12 / Amount Reported to IRS : $ XXXX have called every one under the sun to try to get this information, and I have not been able too get anywhere. I have a date line to get this information to IRS by XXXX XXXX according to the XXXX XXXX, the loan is with : NavientXXXXXXXX XXXX XXXX, PA XXXX Help

Company response to consumer: Closed with explanation