BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-14
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I asked Chime to cut my card off on XXXX while I was XXXX  The head XXXX  allowed me to do that. Chime did not do that. I received my # 2 stimulas check on XXXX and with in 2 min a XXXX XXXX XXXX my money transfered to them. Chime will not open back up my dispute. I have opened it multiple times and they said I need to give them more information. They won't contact or give the Sheriff Dept. any information. I have showed them proof I was XXXX up in XXXX. They send me the same letter every time saying to give them more information and then they will open my dispute. I have gave them everything I possibly could. They said my account had no change in profile information. Yes it was changed. They changed my phone number because Chime gave the number to me on account that was changed too. They will not cooperate what so ever with the investigation. I'm at a loss because they still think it was me that got the money. I was in XXXX Gave proof to them. They know they messed up when they did not cancel my card and protect my account like I asked them too. They will not give me the money back or let the Sheriff dept have the information to what ATM was used to get money off of, or information to make an arrest. I have emails where they say they will help and they are investigating. Not one time have they reached out to me to even let me know they keep closing my dispute. They are doing nothing to get my money back and they won't pay my money back. I have contacted them hundreds of times but get nowhere. They won't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I underwent an XXXX, prior to XXXX. This was paid to XXXX XXXX XXXX. Due to overpayment, I received to checks from XXXX XXXX. However, they continued to send statements. I do not understand why I would received overpayment checks if money was owed to them. In addition, I attempted to pay online, and there is no balance owing. I received letter from EOS CCA collection office on XXXX/XXXX/2016. Here is copy of my letter to them. I also have submitted check to them, dated XXXX/XXXX/2016. 

EOS CCA XXXX. XXXX XXXX XXXX, MA XXXX To whom it may concern : I am writing this letter and submitting check to you under duress. This ongoing dispute with XXXX XXXX is way beyond a joke. Why am I submitting check? I am disgusted with their inability to operate their financial system, and then to pass account to collection agency. 

This copay was submitted online. I then received XXXX checks from XXXX XXXX re overpayment ; now there 's a thing. Unfortunately, I did not document, as I did not have a crystal ball, and did not realize I would have to deal with people that should not be in finance positions. I continued Type to enter text to receive letters re the amount of {$46.00}. 

My wife contacted XXXX XXXX and advised them of this, per last statement XXXX ; payment was due XXXX. Unfortunately, she did not request name of XXXX XXXX representative. My wife advised lady that she would immediately make another payment online. Guess what? No balance due!!!! Go figure. She attempted several times with, I may add, the correct information ... No balance due!!!! No balance due!!!! I certainly could not understand this. It probably was due to the fact that NO BALANCE DUE!!!!! Surprise, surprise, I received a collection notice. Of course, I am incensed at the stupidity of all concerned. 

My wife contacted XXXX XXXX AGAIN yesterday, XXXX XXXX. She spoke in depth with XXXX from billing department. Conclusion? XXXX suggested calling another number, as she could not provide any pertinent information ... .or she knew nothing. To say my wife was frustrated is an understatement. 

On to your letter, which states one can pay online. Guess what? You have a technical issue and would not allow online payment ... I have never in my life been so utterly frustrated and angry and shall be forwarding this letter to FTC with official complaint. Let 's face it, why on earth would XXXX XXXX send me XXXX overpayment checks, yet not apply to what they say was owed to them? To reiterate, I am paying this check to stop everyone harassing me. Crazy is not the word!!!! This is wrong, wrong, wrong, wrong!!!!!!! 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: TRANSWORLD SYSTEMS INC
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never contacted by Transworld. I had to be told by XXXX XXXX that the account was even sent out to Transworld and to attain the contact information for Transworld. I was making monthly payments to XXXX towards the balance. I never received any letter to even inform me that Transworld had my account for collections nor any contact information for them. By the time I got the information they had sent my balance to my credit report. When I called on XX/XX/XXXX and asked how I could get it removed they said that nothing I do from setting up a payment plan or paying in full would get it removed from my report. I asked if I were to setup a payment plan prior to it hitting my report if that would of stopped it and I was told no-so not sure what the point in a payment plan is. I called XX/XX/XXXX to ask if I paid the balance in full if they would remove it from my credit report and I was again told no. I have not had any derogatory accounts on my credit and am upset on the way Transworld handles the accounts under them considering most medical bills are due to accidents or no insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax continue to willfully violate my rights pursuant but not limited to the " FCRA '' with negligent noncompliance. Equifax continues to report inaccurate information that was blocked due to identity theft pursuant to the FCRA 605 B ( 15 U.S.C. 1681C-2 ). An Equifax consumer credit report was acquired on XXXX/XXXX/2015 from Equifax Mortgage Solutions which still contains fraudulent accounts in which were deleted from my Equifax Consumer Credit Report which I have also uploaded. Equifax continues to ruin my life by inaccurately reporting fraudulent accounts in addition to violating 15 U.S. Code 1681i ( C ) and ( D ). I have been denied life & liberty due to this companies negligence and have done all that I can do to obtain remedy through the agencies that govern them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: Early Warning Services, LLC
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Early Warning has failed to properly investigate the incident date of XXXX/XXXX/XXXX with the furnisher of XXXX. I 've requested proof of the investiagtion and procedures and never received anything from Early Warning or XXXX. Early Warning has refused to remove the inaccurate information is list in regards to XXXX Account/ Ref # XXXX. I called Early Warning on XXXX/XXXX/XXXX to follow up on the investigation. I spoke to XXXX who gave very poor service and refused to answer questions and decided to hang up on me without incident or providing any level of service. Being that Early Warning is funded by the furnisher of the information Early warning has failed to impartial to the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This incident was btought to yhe attention of EOS CCA. Who is now the XXXX creditor to attempt collection on this fraudulant collection. The company before them was XXXX XXXX. The original credit provider was XXXX whom never comunicated to me nor provided documentation of this false debt. This debt according to XXXX and XXXX was opened XX/XX/XXXX. My research after contacting EOS CCA was told that the account was originally established XX/XX/XXXX. Im certain that is against the law debt to place a debt in the hands of another debt collector let alone XXXX. I HAVE no idea why they are attempting collection without proper documentation to prove the validity of the collection attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: The CMI Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I was made aware of a derogatory mark on my credit report XXXX XXXX, XXXX, and XXXX  ) per XXXX. Upon further observation, this collection was paid in full on XX/XX/XXXX to Credit Management LP via XXXX XXXX. Credit Management LP has violated my rights as a consumer and I am requesting legal action to remove this collection account immediately. Debt was paid in full two years ago and has a {$0.00} balance but is still currently appearing on my credit score in collections and I wish to have this account taken off immediately. I have reached out to Credit Management LP in reference to the incident but havent received any feedback.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
My credit report shows that XXXX XXXX XXXX is reporting that I missed auto loan payments from XXXX - XX/XX/2020. This is false. I have receipts and statements to prove I never missed these payments. Through XXXX secured messaging, a representative stated an ACH payment was only rejected on XX/XX/2020. However, I was unaware, nor did I authorize this. This false report has completely destroyed my credit score and it needs to be removed. I have already contacted XXXX and made disputes through XXXX, XXXX, and Experian, but I have not gotten any results from the disputes. Please assist so I can eventually obtain a credit score that allows me to properly finance a vehicle. 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 2021-05-14
Company: EQUIFAX, INC.
State: LA
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:
I contacted : XXXX XXXX XXXX XXXX # XXXX to ask to provide more information about a debt of {$860.00}. They never did. 

XXXX XXXX : XXXX to ask to provide more information about a debt of {$220.00}. They never did. 

Unauthorized Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Also : I made complaints : 30 days ago with all three credit bureaus Equifax XXXX XXXX and XXXX XXXX I have not heard anything back about these negative inquiries are derogatory creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
About XXXX months ago, my mortgage processing company started removing the balance amount of my mortgage loan. I called a month ago and was told this would be corrected but it was not. The monthly statements do not provide the remaining loan balance. Company is Bayview Loan Servicing , LLC, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: MoneyLion Inc.
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Multiple issues with trying to pay off loan. Moneylion has been taking a " subscription fee '' of {$19.00} every month since the loan started. Every attempt to pay off the loan has been rejected and any help from phone calls are non-existent.

I have called Moneylion multiple times and they recommend that I add another debit card to pay it off, but each time only the " subscription fee '' has been taking off of the card instead. Any attempt to pay off the loan has resulted in a " we are sorry, call back within 3-7 business days and we will attempt to fix the issue again ''.

Because of MoneyLion will not let me pay for my loan, I have been frequently getting missed payments added to my credit report, resulting in my credit score tanking. They LOVE to take money from me as a " subscription/membership fee '' but will reject all attempts at loan payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-25
Company: NRA Group, LLC
State: MA
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 pulled up my credit report looked it over and realize that XXXX is reporting to the credit bureau a debt of {$260.00}. I contacted them and let them that I never had services from XXXX. They asked me for my account number which I explained to them that I do n't have XXXX and I was looking at my credit report and saw that there 're reporting to the credit bureau this debt. So they asked me for my Social Security number, when I provided them with that number then they told me that I 'm not on there system and since I 'm not on there system I should n't have to worry about it. So I explained to them that I have to worry about it because it 's on my credit report which is hurting and my credit score. And I explained to them that I wanted to dispute this debt because simply it does n't belong to me. Then they told me to contact the credit collection agency because they no longer have it on their system which is wrong because they 're still reporting it to the agency even though they sold the debt to national recovery agency ( under the fair credit repair act FCRA Once you sell the debt to collection agency you are not allowed to report the same debt to the credit bureau as if it 's a different that debt anyways it is illegal to do that ) which I have contacted numerous of times they kept hanging up on me telling me that I have to disputed this debt with the XXXX and they 're just collection agency. Enclosed in a letter that I sent to national recovery agency requesting information about this debt. What I got back from them is a copy of the bill which does not prove to me that it 's my debt. So if you please help me out because I 'm losing sleep over this matter. XXXX companies are reporting the same that which told belong to me and it 's really frustrating so thank you very much in advance for your help and I appreciate it and hope to hear from you soon

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-15
Company: Midwest Recovery Systems
State: CA
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
while checking credit report I noticed a COLLECTION account from Midwest Recovery when I called them they said I had a PAYDAY loan in XXXX Original creditor Current Creditor : XXXX, now its under XXXX ALL SCAM FOLKS,, First never had XXXX from any of these folks, Second, its over XXXX XXXX XXXX XXXX of limitations,, third If I did which I did not,, No Calls, No Mails, no nothing! if I was that late! Fourth the only way I found out was when I saw XXXX on my Credit report as a account in collections on XXXX and was forced to call these folks,, I claimed fraud not mine etc now I have to go get a police report on ID THEFT and fax it to XXXX so I can get this off my report! Oh they will send the report to the so called creditors that I never dealt with to fix this discrepancy,, DOESNT XXXX check this so called creditors? these XXXX creditors are blasted by every state agency and XXXX as Scam folks,, How do they get away with contacting XXXX and say yea 5 years ago this was a loan we gave him,, go get the money,,, XXXX cant even tell me the loan amount original, ( BECAUSE THEIR ISNT ANY!!! ) THEN XXXX PUTS IN ON MY REPORT and DROPS ME XXXX points!! WHY COULDNT XXXX call me first or said mail to the house PRIOR TO the Credit report,, is this the tactic they use to get folks to contact them???

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29
Company: Sa-Vit Enterprises, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am filing this complaint because my right has been violated. Please advise Savit Collection Agency to stop harrasing me with their phone calls. I am not indebted to them. 
XXXX XXXX scheduled my son at XXXX XXXX XXXX XXXX ( XXXX ) about two months before the XXXX date. At this time, I presented my health insurance card to his staff and she made a copy. On XXXX/XXXX/2014, XXXX representative called to confirm and verify my insurance ; and I informed them to use only personnel on XXXX XXXX XXXX. The purpose of the insurance card was to prepare personnels who are on network. 
On the day of the procedure, XXXX went to use NJ XXXX that is not on network. My insurance issued a check commensurate with what they would have paid for such services if they had used anyone on network. Unfortunately, NJ XXXX sent my data to Savit Collection Agency. 
It is not my fault that a personnel that is not on my insurance network was used. I was never consulted or informed before they used such service. 
Savit Collection Agency should please go after whoever made the schedule without considering my health insurance card that i presented and verified. Also, they should stop calling me concerning this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XXXX XXXX is the debit card issuer through US Bank. I contacted US Bank XX/XX/21 due to my funds being withheld. US Bank instructed me to try using my card within a hour. I waited two hours and still couldn't use my card.i called US Bank back today XX/XX/21 I was left on hold 52:13, left in cue which I took a screen shot. 
Their excuse is they have a long wait time due to questions for the stimulus. It's not right to keep using the same excuse for over two months. I have bills to pay which is causing me late fees. I'm very upset with this, " Company ''.

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 2016-07-24
Company: Midwest Recovery Systems
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I have never received any information regarding this debt. No mail, no contact to validate. I have submitted multiple investigations to the bureaus because it just suddenly appeared on my credit report. After submitting first investigation, they added it to another bureau and after disputing that one, they added to the third bureau. I am at a loss here for how they could report something on my credit and not be able to send me any validation of this debt? The company is Midwest Recovery Systems. Also they are reporting an opening date for the account as last month and that is not possible. I have a clean and clear good credit report. No defaults or delinquencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: DISCOVER BANK
State: IA
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:
There is a late payment from XXXX or XXXX of 2019 showing on my credit report from Discover. I was set up for autopay on my account and when logging into the discover app, it showed my payment had been made successfully and did not show me any issues with the payment. I did not realize there was any problem until after they reported it to the credit bureau. Once I was made aware of the late payment reporting on my credit report, I promptly fixed the banking information and paid off the account. If discover had reached out to me and let me know there was an issue, this would have been resolved much sooner. Instead, they kept trying the same payment information for 2 months without informing me the payments were not going through. 

When I call discover and ask them to remove this as this was their fault, they tell me to dispute it with the credit bureaus and they will remove it. However, each time I dispute this 30 day late showing on my credit report, they dont remove it like they promised. 

This single late payment showing up is keeping me from obtaining a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: DriveTime
State: AR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am so furious at this customer service department. Its in XXXX, AZ. And they have givrn me nithing but promises and bam! Last XXXX at XXXX my csr is beingloaded up on a tow truck. Drive Time had repossessed it! After making arrangements to defer my payments to the end of the loan after faxing doctors excuse from work by my XXXX. 
I called the customer service number and they have no record of my request. NOTHING!! 
Not a phone call or log of any sort of my request on XX/XX/2015.. 
Only call they have have record of is making an arrangement for that friday XX/XX/2015 that was called in on Monday XX/XX/2015Well thats Hog Wash I have on my phone records numer calls made to them especially on the XX/XX/XXXX. And darn sure gave new phone number to update my accout. 
Now forsr they said they dont do loan deferments on new loans then it was well itstoo late bc the vehicle has already been picked up. Well imagine that. 
The number the lady respresentative gave me for a fax number that I faxed my doctors papers toisnt even a Drive Time number. Ithink its to the XXXX in XXXX. IDkBut they wont do a thing .help pleaseI have XXXX kids im a single parent we just left their father bc of XXXX have had XXXX XXXX counting XXXX tomorrow on my XXXX. Tomorrow they are schuduling a XXXX bc it wont heal. They will have to XXXX. Its been that serious. Unfortunately all this cameabout well actually has gotten worse ince my purchase and I have been off work bc of it. I need my car.

Company response to consumer: Closed with explanation