BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: MI
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:
In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: MO
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 2016-04-28
Company: U.S. BANCORP
State: SD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My wife 's wallet was stolen, so we had to close our old account through us bank. So we closed said account and opened a new one ( mind you this will be our second time dealing with this issue ). I recent refunded a game worth XXXX and it was refunded to my old account, due to them just sending it to a different account is not possible for obvious reasons. XXXX, the company who refunded our money sent the money, we have documents on our side and XXXX side saying they refunded the money to us bank. Now after speaking with us bank, they refuse to give us the money that was sent to our old account, that has my and my wifes name. They already did this with one of my paychecks.

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 2015-07-15
Company: U.S. BANCORP
State: LA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I never had any credit cards opened in my name!!!! Someone opened XXXX in my name because it is showing on my credit report!!! I want to dispute this!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Nicholas Financial Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Nicholas Financial repoed truck I told them I lost my car during XXXX and I just had found another job they got the truck and put it on my credit report XXXX cant get another car I am walking to and fro my kids have been taken out of school I tried talking to them thats what they do repo and sell car and try to get me to pay car off and someone else got the car

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: Merchants' Credit Guide Company
State: IL
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 mailed a dispute letter to company and requested validation for accounts and didnt get completed documents in timely matter yet credit agency has updated as accurate also. I requested proof of my signature didnt receive such these accounts isnt valid. 
The account XXXX Has my name listed XXXX XXXX and it shows it bill Also other account XXXX List my name incorrect also these accounts must be removed for several reasons I will enclose to you only my Id or correct spelling on I.d

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LoanDepot has been my mortgage provider. I Have been making regular payments on my property but they claim the payments are not going through- they have published XXXX  XXXX on my account - The Banks confirmed that the money has been debited and i have sent screenshots to the Mortgage company showing the money was taken from my account- there is a problem in their system ( they dont admit it ) Pls help me out here since the mortgage company is threatening me with foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am disputing the delinquent balance on my home loan due to money mismanagement on the behalf of my loan servicers.   I n   XXXX   XXXX   XXXX  , I re ceived a loan modification from   XXXX   XXXX   XXXX   .    The loan modification agreement was to change my home loan from an adjustable rate to a fixed interest rate.   I n   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX    was now the new servicer and I was making my payments of  XXXX  which was for principle and interest. I was responsible for paying the real estate taxes and homeowners insurance separately.   On  XXXX   XXXX ,   XXXX   XXXX   XXXX    started charging me a fee for the city taxes. I disputed the charges with   XXXX   XXXX   XXXX   and the   XXXX   XXXX   XXXX   . I continued to make the required payments of  XXXX .      XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   started sending me checks for different amounts. I sent the checks back to   XXXX   XXXX   XXXX   with a letter stating their error in posting my payments in a timely matter. This went on for two years.     On   XXXX   XXXX   XXXX  ,  I received a letter that   GreenTree will now be the new servicer.
Once Greentree received my loan, I started being harassed by their collection department calling stating I was delinquent and dem  anding that I send a check to bring my loan current.   On     XXXX   XXXX   XXXX  , my loan went into foreclosures status.
I continue making my pay  ments but they were never credited to my home loan.    Greentree held my payme nts form  XXXX  to  XXXX  and the money was never taken from my banking account.    GreenTree d id return all of the payments that they held. When I spoke to a representative, I was advised to stop making payments unless I make a large payment to bring my account current.   I had no communications with the servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Convergent Resources, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Today, XX/XX/22, I was notified about a debt sent to collections ( Convergent Outsourcing inc. ) for a bill incurred from XXXX XXXX which was reported XX/XX/22. I have never lived in Texas. I have never cosigned any loans/utilities. The amount owed is {$560.00}. My wife had a fraudulent claim from XXXX XXXX as well ( we both have never lived in Texas. ) I have pulled credit reports from all three Bureaus and am working with my identify theft service to get this addressed. This claim is to further address this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: U.S. BANCORP
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX XXXX, 2015, I attempted to deposit {$800.00} cash in the ATM at the US Bank location at XXXX XXXX XXXX in XXXX XXXX, MO. The ATM was unable to complete the transaction and issued a receipt with a toll free number to call. I received an e-mail on XXXX XXXX at XXXX XXXX stating the deposit transaction completed. The money was still not showing in my account. I called the toll free number, as advised by the branch manager, and started a Reg-E claim. At this time I was told that it would be XXXX business days before my {$800.00} deposit was reflected in my account. My fianc called and tried to speak with the manager because this incident occurred at another US Bank in XXXX and the branch manager was able to issue an instant provisional credit. I still do not have the money in my account, even though I provided the e-mail showing the transaction was completed. I have been advised that they would reverse any NSF fees, but I fee they should also compensate for the inconvenience and interest, as US Bank would charge. This has been a horrible disservice to me and my family as our rent check will be returned and while the account is overdrawn, I have {$50.00} cash to fee my family of XXXX. We should not be inconvenienced due to US Banks faulty equipment. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: U.S. BANCORP
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a checking account with US Bank that I requested to be closed in XXXX. It was never done and they continued to charge me fees. Then they forced the account closed in XXXX with an outstanding balance for XXXX. I have been making payments to the collection agency on that balance since as I was unable to get US Bank to waive any of those fees. There is a payment plan in place. The account is closed and I 'm paying fees for them forcing the account closed. Then in XXXX there was a refund issued to that closed account of XXXX ( not sure where the refund came from ), US Bank then reopened my account for the XXXX and sent me a deposit statement. Then US Bank charged me XXXX for that paper statement, making the account negative. SO they reopened the account that was closed and charged me to close the account in the first place, XXXX in fees, which I have been paying. Then charged me XXXX to send me a paper statement, on a closed account that I 'm paying the collection agency for. I have written them several letters regarding this and they continue to send me a statement each month showing a negative balance. I closed this account, they never closed on their end and say they do n't see my request. Then charged NSF fees, monthly service fees and eventually closed the account, charging fees for that too. When I finally received the letter that the account was closed back in XXXX 2016 ( 5 months after I asked them to close the account ) they said I owed XXXX in fees. I set up a payment arrangement with the collection agency and have been paying. I wrote them many times over several months disputing the charges and the account balance, to no avail. So now months later they took it upon themselves to reopen this account and again start charging me fees.

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 2015-05-28
Company: U.S. BANCORP
State: FL
Product: Credit card
Issue: Other

Complaint:
I have been a loyal US Bank/Club Carlson credit card holder since XXXX '13. Initially I was attracted to this card due to the " Bonus Award Night '' that was offered along with Gold membership at the hotels. My husband and I have stayed at your properties around the world and have aligned our spending and stays with your locations. I was dismayed to hear that the best perk of the card, the one that set it apart from the competition, was being cancelled and replaced with a substandard offer. I pay my annual fee this month and your decision to cancel this benefit has forced me to question my relationship with your brand.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently applied for a furnisher account and short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So, I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I am unsure of how this happened. I need these items deleted from my credit report. 

XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$200.00} XXXX AR XXXX {$200.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX {$59.00} AFNI XXXX {$1200.00} XXXX XXXX {$140.00} XXXX XXXX XXXX   XXXX {$75.00} XXXX XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX   XXXX {$430.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: JPMORGAN CHASE & CO.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I recently opened a new account with chase. A few months after opening the account I realized I had several false charges and some of my funds that I had deposited into the account had been handled improperly. However I after disputing the transactions and filing a claim for fraud and receiving my new bank card. I realized that the bank had sent me a card with similar numbers to an individual who had already had an account with chase using my name. The individual being my cousin XXXX XXXX XXXX. I do not know if the bank knowingly committed fraud or not however the individual has committed identity theft and fraud in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2021, my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She had to be taken by XXXX XXXX XXXX, XXXX XXXX XXXX. I was told by the hospital it was covered by insurance, only to find out later this ambulance service accepts no insurance! They are billing me {$8300.00} for a one way trip to the facility she needed to go to. In addition, they are charging me another {$1700.00} plus dollars for a 10 minute ride to the hospital from my house! These charges are beyond excessive. I wrote XXXX repeatedly and explained to them I can not afford this bill. I asked for financial reprieve under finaicnaoil stress situation. They never responded. I am a single mother. My children 's father XXXX XXXX XXXX XXXX years ago. Now they have me in collections. This bill falls under the " No Surprises Act '', as I have private health insurance and this company would not accept my insurance. You are not given a choice at a hospital which ambulance to use. Their XXXX XXXX XXXX program is only for those at federal poverty level.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
Company: EQUIFAX, INC.
State: OK
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 called over and over and have submitted the dispute online over and over and they are not fixing the error. The below hard inquires are fraudulent and need removed ASAP! 

XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021 THESE 3 ARE FRAUD A NEED REMOVED ASAP FROM MY EQUIFAX REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT REPORT ATTACHED FTC REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
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:
In Accordance with Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( F ) - Reporting information during Covid-19 Pandemic ( ii ) ( I ) states if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current.

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 2016-01-28
Company: U.S. BANCORP
State: WV
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I purchased a XXXX XXXX Reward Prepaid card. I could not complete the verification online to get a personalized/permanent card. When I called the number provided I was told I would get a call within 24-48 hours to complete the registration. 
After 27 days and me calling three times, I finally got a call and was told I had to call XXXX. Why? They do not issue the cards and this has no effect on my credit. Plus the number ( XXXX ) they gave me was only for members or people who had a credit report problem. 
I do not think they should be able to access my credit reports when this in no way will effect my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX XXXX XXXX , XXXX unauthorized use of my name account unknown verification or debt and original proof provided

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 2022-03-27
Company: Carvana Group, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX which was originally stated would be delivered on XX/XX/XXXX. When the car had not been delivered on the XXXX, I noticed an email was sent XX/XX/XXXX stating that my delivery had been delayed. 
I called Carvana on XX/XX/XXXX and spoke with XXXX XXXX. I explained that I was currently in a rental car due to my previous car being declared a total loss and stated due to the delay they I would need reimbursement for the rental car as it would no longer be covered through insurance. I received a text the next day stating that Carvana would cover up to XXXX per day for the rental through XX/XX/XXXX which was the new delivery date. I agreed to this amount even though this was only half of the cost of the rental. On XX/XX/XXXX I received another email stating the delivery was delayed again to XX/XX/XXXX. I called carvana again and explained because the delivery date was pushed back on their end again, I would need the full rental covered. I spoke with XXXX XXXX who stated that the most carvana could reimburse was {$40.00} per day. I asked him to send an email which he detailed that carvana would cover {$40.00} per day for my rental for a total amount of {$880.00} and that I would be able to request they covered more. I explained to XXXX that the rental rate of {$50.00} per day was actually discounted for my insurance company, however, the rental company accommodated that price through XX/XX/XXXX so I really needed my car by that date. He assured me that carvana did not expect any more delays. 
However, on XX/XX/XXXX I received another email stating the car would be delayed through XX/XX/XXXX. I called carvana again and spoke with XXXX and explained I could not hold the rental any longer and I needed a car. Due to the constant delays I had to go through a local dealership. Carvana is now denying reimbursement for my rental though I have already paid {$1000.00} and have paid a month insurance for the XXXX. I would like the full rental reimbursement

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: FORD MOTOR CREDIT CO.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had a payment due on XX/XX/2022 I made the payment like I always do using the account I always use with plenty of money in the account to cover the payment on XX/XX/2022 and it somehow got kicked back and I got no notice of the payment getting returned until XXXX XXXX showed me that my credit score went down significantly because of the missed payment I reached out to XXXX XXXX XXXX and can not get through due to a higher than usual call volume and keep getting disconnected before I get to talk to anyone. Ive since made the XXXX and XXXX payment because thats all the website would let me do

Company response to consumer: Closed with explanation