BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
So, I deposited my paycheck amount is XXXX $ on XX/XX/XXXX and I accidently lost the check, but on XX/XX/23 i got the letter said that the check that i lost was also paid at Bank of America on XX/XX/23 and now my account is closed due to negative balance. 
I did go to three of the banks that were involved which is XXXX ( my bank ), XXXX XXXX  ( check belonged to ), Bank of America ( Bank that been Cashed out the check ). These bank always keep saying the same thing which is not there's fault and they keep blaming each other. I do have the police report and now i dont know what to do.

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 2023-03-20
Company: Experian Information Solutions Inc.
State: TX
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:
Company : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Credit Card : Ending in # ... XXXX During the week of XX/XX/XXXX, I spoke to XXXX representative XXXX XXXX. She confirmed that if I made a payment to this credit card by Friday, XX/XX/XXXX, it would bring the account current and that no negative information would be reported to the Credit Bureaus. I made the payment on Friday, XX/XX/XXXX, as I promised. However, the next day, Saturday, XX/XX/XXXX, XXXX XXXX XXXX still reported me 30 days late on this credit card account. XXXX  has reported this information to all three Credit Bureaus, and my credit score has suffered significantly as a result ; negatively impacting my ability to buy a home.

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 2017-06-21
Company: Ocwen Financial Corporation
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Dealing with OCWEN is like an endless game of chess with masterminds when I am a rank beginner. This game has gone on for several years but I will single out the most recent demands : I was told that I owe in excess of {$9000.00} and I must come up with two down payments to remedy the situation -- the first amount being for {$4500.00} due on XX/XX/XXXX and, then another due on XX/XX/XXXX for {$2500.00}. Thereafter, until XX/XX/XXXX, I owe an additional {$500.00} on top of my monthly payment of {$1700.00}. If I am ONE day late, all bets are off and they will begin proceedings against me. I have sent money via XXXX because if I send a letter with the funds they always say that I have not sent them on time and charge me additional money. They blocked the XXXX account that I have always used at the same place with the same service manager who has always been able to send the money but this month was unable to do so. I then sent money orders totaling my monthly payment which they returned to me, stating they would need " payment in full '' or nothing. When I challenged the amount they were demanding, they came up with a date from several years ago during which time they said I failed to make my monthly payment. However, I was in bankruptcy court at the time and the US bankruptcy trustee was overseeing my payments. He would have pulled my Chapter XXXX bankruptcy protection as a result and I would have lost my home then and there. Payments are not posted accurately. " Relationship managers '' which you are assigned and who supposedly sign off on agreements are not there when you need them. After sending them the {$4500.00} they demanded, they called to tell me they needed an OK to post the funds. Despite the fact that I provided tracking numbers for both the post office and the XXXX, they tried to imply that I had not sent them on time even though I e-mailed them the tracking information for both overnight and same day transmission of funds which should have proved the funds were sent on time. I could go on for hours regarding the mountains of mail I receive, the demands and the egregiously fraudulent activity I have endured. I know others trying to manage similar situations, one of who is an XXXX year old lady who is XXXX XXXX and can not manage any of the unintelligible XXXX they constantly sling. Time to serve a cease and desist order on these despicable people.

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 2023-03-24
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Repossessed car in 2019, the company sold the car. The repossessed car loan was XXXX. The company adds charges to the loan to this day and says I owe XXXX for the repossessed car 4 years later. Fraudulent reporting to credit bureaus. Fraudulent charges.

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 2017-05-08
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit today and discovered that there is a  Capio    Partners  collection that was just reported to my credit. It seems they are asking for {$610.00} and the account number is "  XXXX  ''.     I did not receive any notice with a right to dispute before this was reported to my credit.     This is concerning because I do not know who this company is or why they want me to pay them such a large sum of money.     I 've done some research online and this company has been involved in several scam stories for many consumers. As a matter of fact, there is a 100 % negative review rating on the    Better Business Bureau! Considering their history, I am not about to reach to this suspicious company when I do  n't even know what this debt is for.     They need to explain who they are and why they want me to pay them {$610.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: Chime Financial Inc
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I woke up to unauthorized transactions 7 to be exact. 5 from XXXX and the 1st was for XXXX only to see if there was any money to start draining. I received the text to authorize it n until I woke up I could not hit no which I did multiple times but chime instead pushed the transactions through n now refuse to refund my money. XXXX is a lot of money for me and I need it back. I'm not giving my money to them for their beneficial wealthy growth to become millionaires illegally by robbing innocent people. Not today CHIME!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: TX
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY! Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number 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 2022-03-26
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent outsourcing is reported I have an account opened with XXXX XXXX in XX/XX/21. This information is false. Any accounts Ive had in past years ( XXXX ) was closed in good standing. Have requested itemized documentation to their claims and they have failed to provide it. I have disputed for a second time as well. Any help to have them remove their false reporting on my credit report would be appreciated.

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 2023-03-20
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
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:
Company : PENTAGON FEDERAL CR UN Address : XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Credit Card : Ending in # ... XXXX During the week of XX/XX/XXXX, I spoke to PenFed representative XXXX XXXX. She confirmed that if I made a payment to this credit card by Friday, XX/XX/XXXX, it would bring the account current and that no negative information would be reported to the Credit Bureaus. I made the payment on Friday, XX/XX/XXXX, as I promised. However, the next day, Saturday, XX/XX/XXXX, PenFed Credit Union still reported me 30 days late on this credit card account. PenFed has reported this information to all three Credit Bureaus, and my credit score has suffered significantly as a result ; negatively impacting my ability to buy a home.

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 2023-04-10
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:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding the items listed on my credit report that violate my rights under 15 USC 1681 and the Fair Credit Reporting Act. As a natural person, I have the right to privacy and confidentiality, and I have not given permission to the consumer reporting agencies to furnish the accounts listed below.

According to 15 USC 1681 Section 604 A Section 2, a consumer reporting agency can not furnish an account without my written instructions. Additionally, 15 USC 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may include any adverse item of information in a consumer report that is more than seven years old, except for records of convictions of crimes. 

Furthermore, 15 USC. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any inaccurate information relating to a consumer to any consumer reporting agency. 

The following inquiries listed below are fraudulent and have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I demand that these accounts be deleted immediately in accordance with the Fair Credit Reporting Act. I have contacted the companies responsible for these inquiries, and they have provided no proof that I have authorized these inquiries or that they have a permissible purpose. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Dynamic Dedicated Financial Partnerships
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company keeps calling me, all day long, to try and contact my step-daughter  who may or may not owe a debt. But the people who call and harass me many times per day ( they have calles me three  times today,  XXXX   XXXX  ) illegally tell me about my step-daughter 's credit issues. They also keep demanding to talk to my husband to confirm that my step-daughter does n't live with me even though I 've told them numerous times he 's passed away. I have  XXXX   XXXX   XXXX , and I can not handle this ruthless company calling my all day long for an alleged debt that has nothing to do with me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Synovus Bank
State: NV
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 XXXX XXXX XXXX  Account # 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 furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Nelnet, Inc.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My husband was given the advice to submit paperwork via EMAIL to  XXXX  XXXX  XXXX . He was asked to include his   XXXX   tax returns which includes my social security number, My  XXXX  children 's ' social security numbers and his social security number. In the title he was to provide his social security number and his full legal name. IE  XXXX   XXXX   XXXX .  ( not real number s or names ) In addition to the application that was required to submit the income based repayment plan.     I called the customer service team and verified that this was standard language that people "  XXXX  '' submit these with this information. And that using an UNSECURE method such as email is an acceptable form. They then proceeded to tell me that if I do n't feel comfortable I can submit via fax or online. Both of which are much more secure My complaint is that the advice NelNet servicing is giving to email with all of this sensitive information is setting their lendee 's into a possible risk for sniffing and having their information stolen.     This is a pseudo government entity to service loans. I do not believe they are giving their customers proper advice to keep their identity or their families secure from would be thieves.      Regards, Concerned NelNet  Customer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Transunion is continuously reporting inaccurate information. I have submitted documentation countless times regarding my name. My name is XXXX XXXX, not XXXX XXXX. I have been divorced for yrs, I do not use the last name XXXX. 

So to repeatedly contact me and boldly state my file will remain the same with XXXX XXXX is unacceptable. I dont know who Transunion thinks have the time or patience to go back and forth over the same issue for yrs. Im not doing it. Fix my file. Imtired of using stamps and paper and the issue is STILL not resolved in XXXX.My name is XXXX XXXX XXXX want me to spell it and sound it out? Documentation is attached, which Transunuon already has this. Imtired & Im done.

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 2017-05-08
Company: Tribal Lending Enterprise, Inc.
State: AK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On  XXXX / XXXX /   17  I was approved and given a loan in the amount of {$700.00} with the understanding that the pay off amount would " not be much more than {$700.00} '' The answers I received were very vague and misleading. Come to find out the actual pay off for the {$700.00} was well over {$2000.00}. Once I realized I attempted to return the {$700.00} they 'd already transferred to my account but they denied my request saying I would need to pay the finance fees and give them {$910.00}. This was the next day  XXXX / XXXX / 17 . I feel as if though this is not just as I did not realize what I was agreeing to and attempted to correct the mistake the next day but they would not allow it. I attempted to find a copy of the loan agreement to add to this complaint but I have zero access to any agreement via their website

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: CL Holdings LLC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2023 I paid a past due debt with XXXXXXXX XXXX card. On XX/XX/2023 I received a letter from Jefferson Capitol regarding this debt as unpaid. On XX/XX/2023 I reached out to Jefferson Capitol and was directed to call XXXX. I then chatted online with XXXX from XXXX and was directed to call Jefferson capitol. I once again called Jefferson Capitol and told I still owed the debt. I tried to tell them I did not and the account was paid and they argued and then hung up on me after transferring 4 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

These inaccuracies are keeping me from obtaining new credit

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 2023-05-01
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
United Wholesale Mortage/ Insurance : We have been dealing with an insurance situation our mortgage since XXXX of the present year, we have been incorrectly charge with a new escrow account placed it by United wholesale by mistake when we DONT NEED IT. 


After several emails and phone calls XXXX United wholesale never gave me answer On XXXX XXXX at XXXX AM I sent another email with evidences/ and copy attached to : XXXX, XXXX staying that We have not one BUT TWO FLOOD POLICIES : 1-Policy XXXX 2-Policy XXXX and the all state insurance policy that we have had since we bought our property. 


Since XXXX which we have sent several times this flood and the all state policies to the following email : XXXX they were never updated. 


On XX/XX/2023 I also FAX the mentioned policies to the fax number XXXX with not result or answer from you and still being overcharged. 



On Friday, XX/XX/2023 XXXX, XXXX XXXX XXXX without our authorization or any previous notice contact my ALL state agent requesting my invoices, an email reply was sent as follows : " Good morning XXXX and XXXX. 

XXXX : I am sending this to both, because XXXX is stating that she is NOT escrowed for condo insurance. Please contact her directly to clarify, her phone # is ( XXXX ) XXXX. She has been making all the monthly installments on her condo insurance '' XXXX NEVER Replied, and went ahead on XX/XX/XXXX Created an escrow account on my mortgage which increase my mortgage payment, WE NEVER HAD AN ESCROW ACCOUNT SINCE WE BOUGHT OUR HOUSE AND WE HAVE BEEN MAKING ALL OUR INSURANCE PAYMENTS SINCE THE BEGINNING. 


Please find attached all the prove of the several emails sent, the Fax sent on XX/XX/XXXX and also the mentioned flood policy Policy XXXX

Company response to consumer: Closed with explanation