BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-17
Company: Paycheck Solutions llc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I had previously filed a complaint with this company after they harassed my HR department and shared my personal information. I had reached out to them several times about a hardship and the harassment continued. Someone named XXXX who claimed he was in charge of the debt had me agree to a payment of {$50.00} bi weekly. He took my card info and a garnishment happened to my XX/XX/22 check in the amount of {$460.00}. He began harassment stating they did not receive it. He also gave me a separate number to reach him directly on which was a XXXX area code. As of today, they closed my account with them as paid off and claimed that only almost {$300.00} was paid. Which is not the truth. I am requesting my return of {$460.00} in check form or direct deposit since they have my checking info. Attached is communication from my HR department and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I received 2 text back to back of some one trying to do a 2 factor identification on my account. At that moment i logged into my chime account and discovered an unauthorized transfer of {$2000.00} from my account to another unknown chime account.I instantly realized some one had logged into my account and stole my money. I immediately contacted chime support and explained the issue and opened a claim. I was told by a rep the claim would take approximately no more than 60 days and or a provisional credit will be issued in 10 days. Then the following day I got an email saying they found no error in what occurred and closed my claim in less than 24 hours! Then that same day XX/XX/XXXX I received another text message of a fraudulent attempt made to try and charge my debit card in XXXX XXXX when Im in XXXX XXXX. I immediately called again to report this and re opened the case. I provided screen shots of the text messages and proof of me being no where near XXXX. Clearly there was frequent fraudulent activity on my account and they failed to catch this. I then waited for the investigation team to get back to me with a response which took only 1 day for them to tell me I myself sent these funds out. The denial letter is basically a joke there is no real information on there of them doing any investigations other than them providing me with a device ID that was used to make these unauthorized transfers which was not my device. I will attach denial letter. I have actively been calling trying to get MY money back and am getting no help I keep getting denied and getting the run around. Getting these funds stolen from me has caused a major financial set back and desperately need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Statebridge Company
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We took out a second in XXXX for {$35000.00}. On XX/XX/XXXX we entered into a loan modification, we paid what they asked amounting to over {$9000.00} and they never modifidied the loan. We continues making payments from XX/XX/XXXX thru XX/XX/XXXX, at that time they sent our payment back and would accept I tried to contact them several times thru phone calls and letters, they never responded. The company at that time was XXXX  XXXX. Over the past years since then I have tried to contact the servicer with no response from them. On XX/XX/XXXX we recieved Notice of intent to accelerate for the amount of {$74000.00} from a new servicer Statebridge. The principle balance is $ XXXX XXXX XXXX they filed for forclosure. I started working with Iowa Mortgage Help, I don't remember the exact date. They referred me to Iowa Legal Aid they where able to stop the foerclosure for now. 
on XXXX XXXX we recieved a loan modification and a short payoff. The payoff was for {$80.00}. The modification was for {$10000.00} payment to do the loan, then {$60.00} at 10 % for 40 years. I called Statebridge to ask about the amounts and they could not give me answers that made sense. Statebridge sent another loan modification on XXXX XXXX. The same amounts just with interest not starting 6 months before the loan started. Iowa Legal aid sent it to the Attorney Generals office and the are now investigating the loan, they call it a XXXX loan. Iowa Mortgage Help advised me to file a complaint with this agencies as well. I am attatching the last two modifications from Statebridge. I do have all documents pertaining to this loan if you need more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/2019 a Utility Company Based in XXXX New Jersey called XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ). alleged that I owed them {$560.00} from a Utility account that was later sold to IC System Inc. I became knowledge of the account because it was being reported on my XXXX XXXX Consumer Report I made ample attempts to get this matter fixed with IC System and I was not successful in doing so. 

IC System Inc continued to pursue collection efforts dispute all the correspondence I mailed to them about the Fraudulent Alleged 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 2017-05-27
Company: CITIBANK, N.A.
State: TX
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:
Citi Best Buy c redit card keeps ignoring my reports of fraud on my account. They keep making me pay for fraudulent transactions and interest. It started on  XXXX   XXXX   XXXX  with a purchase at Best Buy that should not have happened. They claim that I originally wanted to dispute the transaction ; this is false. The transaction IS NOT MINE!     Also, there are transactions in  XXXX  and  XXXX  of  XXXX  for  XXXX   XXXX  for   XXXX   XXXX   XXXX   XXXX   and several transactions between  XXXX   XXXX  and  XXXX   XXXX  for   XXXX   XXXX   XXXX   that are FRAUDULENT. They restricted my access to previous statements so I ca n't view the specifics.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been trying to get 1 ) POA authorized signer access to my XXXX  XXXX mother 's Truist checking account and 2 ) removal of my deceased father as a joint owner to the same Truist checking account since XX/XX/XXXX. My mother can not handle her financial affairs on her own, and is at severe risk of overdraft and fraud unless she has a competent POA acting on her behalf. The Truist branch representatives have been consistently courteous, professional, and apologetic to me, but the bottom line is I must be able to protect my mother. 

Key dates and what happened when : 1. XX/XX/XXXX : visited Truist branch in XXXX XXXX, Maryland. Told to come back to any branch after the XXXX  ' XXXX XXXX. 

2. XX/XX/XXXX : made an appointment online with another Truist branch. Received XXXX electronic confirmations of appointment. 

3. XX/XX/XXXX : called Truist branch to confirm our appointment over the phone. Told to go to another branch because no banker is available in spite of the scheduled appointment. Scrambled to get a walk-in at another branch nearby. 

4. XX/XX/XXXX approx XXXX : worked with the XXXX XXXX branch ( XXXX XXXX XXXX and original death certificate in hand ) for several hours. Ultimately the back office did nothing, as far as I can tell, to remove my deceased father from the account, nor to add me as POA. Branch rep very courteous and apologetic told me I would get contacted by Truist with next steps. 

XXXX. XX/XX/XXXX thru XX/XX/XXXX followed up with the XXXX XXXX branch every few business days. Some calls were not returned. Escalated to branch manager. 

XXXX. XX/XX/XXXX branch manager contacted me very courteous and apologetic- said back office would process deceased accountholder removal on XX/XX/XXXX and then POA on XX/XX/XXXX. 

XXXX. XX/XX/XXXX I have no follow up information. So I can't access my mother 's account. Meanwhile, she's in a lot of financial danger. I'd like to be nice about this, but it's a financial safety issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the following XXXX Accounts below have violated my rights. 

15 U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. 

Account Name Account Number 1. Mn Child Support Enf XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX. Us Dept Ed XXXX XXXX. Us Department Of Edu XXXX XXXX. U S Dept Of EdXXXX XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: General Motors Financial Company, Inc.
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
On XXXX XXXX, XXXX, I purchased a car from XXXX XXXX in XXXX, Arizona. The car was financed through Americredit Financial. I fell behind on the payments when my mother became stricken with XXXX and it was subsequently repossessed by Americredit in XXXX XXXX. The repossession was unlawful due to threats of violence and abuse to myself and my family by the repossession agent, which constitutes a breach of peace. At some point, GM Financial purchased Americredit and began reporting the original loan and deficiency balance on my credit report. For the great part of the last year, I have contacted both GM Financial and the credit bureaus to have the incorrect reporting of the account corrected. GM Financial continually refuses to correct the reporting despite my multiple requests directly to them and my multiple disputes with the credit bureaus. GM Financial continously verifies the information as accurate to the credit bureaus even though it is clearly not accurate. Currently, the account is not reporting the correct loan term and the monthly reporting is inconsistent between the XXXX and XXXX reports. The account was subsequently deleted by GM Financial from my XXXX report last year. How is it possible that GM Financial can continually verify an account as accurate to the credit bureau when the account is reporting differently on each report? 

I am providing the following as proof to support my claims : 1 ) original contract with Americredit reflecting the terms of the account to be 60 months. It is currently being reported as 65 months by GM Financial, thus aging the account further. 
2 ) Screen shots of the account as they currently display on my credit report showing different payment histories and status. 
3 ) Email correspondence between myself and XXXX XXXX from GM Financial showing I provided her with documentation showing the account was not reporting properly then and her refusal to address the issue. 
4 ) Email correspondence from myself to XXXX XXXX, CEO of GM Financial to bring attention to the continuous reporting errors and the wrongful repossession. 
5 ) Mail correspondence from XXXX XXXX from GM Financial, again asserting that GM Financial is properly reporting the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
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:
Hi I am submitting this XXXX 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 scorXXXX over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. 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 XXXXXXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
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: Problem with personal statement of dispute

Complaint:
EXPERIAN COMPLAINT XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX Since I have been ongoing issues with Closed Credit Card Accounts I decided to access CFPB once more. Accessing My XXXX XXXX XXXX on CFPB, and requesting why my Experian Credit Report " Why this account is scheduled to continue on record till XX/XX/XXXX. " 10 Years '' Experian Reports : XXXX  XXXX, XXXX, and XXXX Bankruptcies and Unpaid Tax Liens which remain for " Up '' to10 Years! XXXX XX/XX/XXXX Paid or Closed Accts generally display for " Up '' to10 years from the date paid or closed

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 2021-11-26
Company: EQUIFAX, 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 status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX & XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: High Point Asset Inc
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I missed a call from the debt collector and I returned the call and stated Im returning the call. The collector stated they were looking for me, and I never verified I was the person whose name he stated I asked what the call was regarding and he responded its regarding a debt and I asked if he was familiar with the laws he told me yes and he can disclose that its regarding a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: TN
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17
Company: EQUIFAX, INC.
State: TN
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: WELLS FARGO & COMPANY
State: WA
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:
Wells Fargo is reporting incorrect information to my credit report. 

-Two year payment history is incorrect and not updated. 
XXXXLast reported dates are all different on all three credit bureau. 
-Date Last Active are all different on all three credit bureau. 
-Date of Last Payment are all different on all three credit bureau.

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 2017-03-13
Company: General Motors Financial Company, Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
This car loan has been paid in full. It has been in my credit report since XX/XX/2007 and they have refused to remove it from my credit reports. I DO NOT owe them any money whatsoever and the account is showing a XXXX balance and they still have not removed it from my credit report. 
Account Details Last Reported XX/XX/2007 Creditor Name GMFNANCIAL Account Type Auto Account Status Closed Opened Date XX/XX/2007 Closed Date XX/XX/2007 Limit -- Term 61 Months Monthly Payment {$290.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$12000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/2007 Amount Past Due -- Times 30/60/90 Days Late 0/0/0

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Dovenmuehle Mortgage, 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: Account status incorrect

Complaint:
I refinanced my mortgage loan from Dovenmuehle Mortgage solutions in Illinois to XXXX  XXXX XXXX XXXX XXXX  ( I was told it was same company just different location ) I started the process in XXXX of XXXX. I paid my last mortgage payment to Dovenmuehle Mortgage solutions IL on XX/XX/XXXX. My loan closed on XX/XX/XXXX. Dovenmuehle IL reported a 30 day late on my credit file for the month of XX/XX/XXXX. I used the VA streamline process, I was told by VA that I could not have been 30 days late, I would not have qualified for VA streamline. Since then I have attempted several times by phone XX/XX/XXXX, XX/XX/XXXX certified letter XX/XX/XXXX to resolve the issue with Dovenmuehle IL, Ive asked them to remove incorrect info, I asked for " good adjustment '' They have not responded, nor have they removed incorrect info. I do not know what else to do. I would greatly appreciate your assistance in this matter. I feel my credit worthiness is being negatively effected, the 30 day late does not reflect my creditworthiness at all. I have never had a 30 day late on my credit report before this incident or after.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, INC.
State: AR
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:
XXXX XXXX XXXX U.S. Department of Education By XXXX who recently receive financial Activity summary. Loan Information XX/XX/03 principal balance {$45000.00} that they indicate I owe. Which I disagree with as being XXXX man who borrowed on {$5000.00} which have recently report incorrect balance that they claim I owe them {$79000.00}. Now they saying I owe {$45000.00} I feel that I'm being discriminated against because of my XXXX XXXX XXXX XXXX. Who never graduate with any certificate or degree as student. Where are they getting this amount {$45000.00} Would be taxes that being added. Wealthy ppl don't pay any taxes. Whereas me being tax on student loan for {$5000.00}. It being taking advantage of as being XXXX, older as man.

Company response to consumer: Closed with explanation