BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-23
Company: EQUIFAX, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Below is the information that I am requesting to be deleted off my credit report, this collection does not belong to me and I have not received proof or validation of this debt. Please remove from credit report. 


Date Reported : XX/XX/XXXX Collection Agency AMSHER COLLECTION SERVICES INC Original Creditor Name XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$50.00} Amount {$50.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account XXXX XXXX XXXX  Account Number # # # # # # XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/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 2022-09-29
Company: BSI Financial Holdings, Inc.
State: WY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hi- I would like to file a compliant to BSI Mortgage, I made a full payment in XXXX and they decided to take money out the XXXX payment to cover XXXX payment. I made my first payment in XXXX on XXXX and then the company tried to take out a payment on XX/XX/XXXX, I had then called them and ask them to reverse the payment because it was not going to clear, so I asked them to take the payment on XX/XX/XXXX. In return they tried to take another payment on XX/XX/XXXX without my permission because per the phone call I asked for it to be taken out the XXXX. The decided to add {$540.00} back into my account which I was unaware of since the bank had already notified them that my payment would not go through. Since this was happening I had no idea that they took a payment from XXXX to cover XXXX because they said they gave me money and I owed them when the bank had already reversed the payment. From that point on I have made my full XXXX payment and my full XXXX payment and have proof of this.This all goes back to my XXXX payment with out them telling me they were doing that. I believe that if something like that happens they should notify the borrower but also never take money out a payment that has already been. Every time I call them they will not give me any number to any VP 's to handle this matter. I then in return got on to XXXX and got some numbers for the VP 's and called them since it was public record. I was told that I was not allowed to call anyone them on cell phones and it was per your polices. If the numbers are public record then I am not sure that is the case. I was also told that I was not allowed to talk to anyone else in the company and he informed all 46 customer service agents that they couldn't not talk to me. When I had the last conversation with them I asked if I needed to get a lawyer and not that " I not that I had a lawyer '' I was treated with disrespect by the one the VP that I had called yesterday and he basically scolded me for getting in touch with the other VP 's. To treat a customer like that is not ok and I felt threaten. I have been dealing with this since for awhile and every time I called they said the would escalated and then I wouldn't get a call back and I would have to call them. This poor treatment from a company is not ok since I have never been late on any mortgage payments until they did what they did. I feel like the made me feel like and XXXX and talked down to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: JPMORGAN CHASE & CO.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
TO WHOM IT MAY CONCERN I am writing this fax concerning claim # XXXX involving three online transfers of the amounts ( {$840.00} on XX/XX/XXXX, {$1400.00} on XX/XX/XXXX, and {$1400.00} on XX/XX/XXXX ) made from my current restricted account ( ending in XXXX ). I submitted a claim on XX/XX/XXXX concerning the online transfer which was made through an external account that was verified with my account ( ending in XXXX ). This external account happens to be a XXXX XXXX account not in my name which was being verified by Chase on XX/XX/XXXX according to my secure messages. 
As of now, the investigation period has closed and I was sent a letter this morning stating that my claim had been closed and my funds would not be refunded. I called numerous specialists and representatives about the details of the investigation and was informed that the transfer occurred from a familiar device : My XXXX. My XXXX is currently the name of the XXXX I own and I learned more from the Claims department that I logged in through Face ID verification. 
I went ahead to do some investigation of my own and noticed that I have three unknown devices that I do not own in my Device History. I proceeded to call the Claims Department and got in contact with a Claims Specialist who was able to confirm that no new devices were used to access my account. For the record, I personally own an XXXX and a XXXX only. In the Device History, three XXXX devices, two XXXX, and one XXXX is listed ( screenshot provided below ). The Claims Specialist was happy enough to provide me with the timestamp of the online transfers and they happen to be one minute behind from logins on my XXXX and an unknown XXXX device ( screenshot provided below ). As stated above, I do not own a XXXX device. I made sure to make a recent login through my XXXX and XXXX to verify this as there were no logins made into the three unknown devices after my account was restricted on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: MD
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 made several attempts to have these items removed from my report and no one is responding or deleting this misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been sending multiple dispute letters addressed to the Credit Bureaus requesting that they remove the disputed items completely from my Credit file since these items resulted due to identity theft. the last letter I sent to the Credit Bureaus was XX/XX/2022 with complete attachments of my Personal Information as well as the ID THEFT REPORT I received from the FTC. I have read enough to understand my rights and it is clear that by continuing the reporting of the disputed Items on my Credit report, the Credit Bureaus have violated this rights. I need the following items removed completely from my Credit report : XXXX XXXX AV XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$720.00} XXXX  XXXX Balance Owed : {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights tc privacy and confidentiality under 15 USC 1681. 


XXXX, XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX 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 a consumer reporting agency can not turnisn a account wino my instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reportina agencv mav make an consumer report containina an of the followina items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears 15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2022-12-13
Company: HYUNDAI CAPITAL AMERICA
State: MA
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:
Hyundai / XXXX reported false information to my credit report. That was not part of the contract please provide part of the contract that state that a state excise tax can be added to the vehicle monthly payments. 
They added an state excise tax bill as a monthly car payment where on the contract dose it say that the state tax and add on to vehicle lease payments. And that it can be reported as a missed payment of my leased vehicle. 

I also have an issue that I would like the CFPB to take a look at is I have Hundreds of receipts from bank and credit card statements of gasoline that was fueled, an avarage of XXXX gallons to fill up a XXXX  XXXX XXXX avarage gasoline cost of {$62.00} usd on avarage, that was leaking gasoline. Which they do have a recall only years later after owning the car all that lost of gasoline / money wasted I was filling up sometimes twice a week do to this issue would like to know if I could have some reimbursement of all the gasoline leak That occurred during the time that the problem went unknown during that first year And a couple of months and unable to find a time slot with Hyundai to get the XXXX resolved do to insuficiente availability on there website. 

Description of the recall : On XXXX & XXXX XXXX XXXX ( XXXX ) and XXXX ( XXXX ) vehicles equipped with XXXX GDI engines, the fuel pipe connecting the high-pressure fuel pump to the fuel rail may have been installed with insufficient torque during assembly. 

I would like that the CFPB Takes a look at Both of the matters for me please. I will also contact other resources for more support on this matter for the records. 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 2021-04-21
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2020, paypal transferred my the total amount of $ XXXXUSD of my paypal balance to PAYPAL . I was supposed to withdraw that amount. Paypal says, the funds will be on hold for 180days and then it will be released. afterwards, i can withdraw it to my own bank. However, they lied. they just stolen the money from me and I even didn't notice that until I checked my recent activities and found none balance at all. I tried to reach paypal for help, but no response at all. I want to get the money back. This is really important for me and my family. I heard CFPB can handle issue like this, that's why I am reporting this to you. Please help me to get the money back. The paypal email I use it XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: U.S. BANCORP
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX US Bank increased my escrow withholding {$980.00} each month ( {$11000.00} per year ) My total increase in Home Equity Insurance and Property for the same period increased {$690.00} XX/XX/XXXX US Bank erroneously projected a low balance of {$4400.00} based on incorrect calculation of my home owner 's insurance {$100.00} XX/XX/XXXX XXXX XXXX XXXX  withholds {$3800.00} as prepaid Home Owner 's Insurance XX/XX/XXXX US Bank Increased " Required Low Balance '' to {$2700.00} a 38 % increase from XX/XX/XXXX XX/XX/XXXX US Bank fails to abide by the XXXX XXXX stipulation " The sale of your mortgage loan to XXXX XXXX does not affect ANY TERM, payment or condition of the mortgage " by raising my " escrow unreasonably to usurious amount XX/XX/XXXX US Bank demands payment of {$700.00} to drop them from paying my own property taxes and homeowner 's insurance also failing to abide by XXXX XXXX XXXX XXXX Agreement

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 2022-09-29
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
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: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Possible Financial Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have been using Possible on and off for almost two years now and I have been able to access and pay back borrowed funds with no issue. However, for the last few months I have been unable to make a final payment for a loan I took out several months ago. Each time I have reached out to ask them if I can just make a direct payment, they re-route me to their mobile app and ask me to re-connect my bank account. I have tried for the last 2-3 days to link my new bank account and to no avail. They are not willing to allow me to make that payment another way that will not result in technical difficulties. Also, they have reported to the credit reporting agencies that my payment is late and it has caused a major dent on my credit which is hindering me from moving into a new apartment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: General Motors Financial Company, Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I purchased a XXXX  XXXX XXXX with my ex XXXX XXXXI was the co signer. We broke up and XXXX refused to give me the car back .He feel behind on the loan payments. I called gm financial to explain what happened and how I wanted to get my name off the loan or request that XXXX surrender the vehicle to me so that I could keep the vehicle and stay current they told me there is nothing can be done. .XXXX  did a voluntary repo with out my consent and I was not notified. I had to request the repo detail and thats when I was sent them .Gm financial refused to help me and now this has negatively impacted my Credit and I had to pay taxes thru the irs on a vehicle I didnt even have the option of keeping

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: 21ST MORTGAGE CORP.
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Received a letter to cure a payment by a certain date, XX/XX/2022. I was past due two months, XXXX and XXXX, and a notice that a letter to default was sent to me on XX/XX/2022. 

On XX/XX/2022 I called to pay 1 month ( XXXX ) and a half ( XXXX ) and a promise to pay the half month ( XXXX ) and 1 month ( XXXX ) by XX/XX/2022. This would cure the past due payments and get the account current before the default. 

Yet, I spoke to two managers that refused to take the payment. Then spoke to another manager and was also refusing, even though I had until XX/XX/2022 to cure the XXXX and XXXX payments. 

The managers were rude and used bullying tactics like asking about my paychecks, what I spent my money on, that I couldnt afford the payments, and that I was legally obligated to pay, which I agree with. But they still refused to take the partial payment until I let them know that I would report them to the CFPB. 

If they are not willing to abide by their own legal letters, then they are misleading their borrowers when they state We do not want you to fall into default as per their letter. The company is difficult to make arrangements with to pay, are not allowing customers to make payments online if in default, and forcing them to go through a questioning ploy to force a payment to the point of asking the customer to borrow from friend and family to pay. Very unprofessional and quite frankly sketchy as they are not looking to help the customer at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, 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:
my business applied for credit under my business name and ein and my number should have been used to identify me but it was used in a inquiry another institution in search of auto financing did multiple searches instead of 1

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: Helbing Law Group
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
I agreed to a 2 & 12 program payments of {$330.00}, which was supposed to end on XXXX however the my client portal on there website which is Helbing Law Group they added XXXX extra monthly payments of {$330.00}. I checked again and they added another monthly payment. They have lied to me over the phone numerous time about the balance, also last XXXX 2021 i paid {$1000.00} so the can settle with home depot which i never agreed to. after they collect on XXXX of {$330.00}, i want to cancel and stop these payments by changes bank accounts so they can stop collecting is this the right thing to do, if not they will keep scam my money.

Company response to consumer: Closed with explanation