BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-07
Company: BlueChip Financial
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/23 I regrettably accepted a {$700.00} loan from Spotloan online, having been redirected from a loan finder website that takes a borrowers personal information and sells it to whichever lender accepts. I accepted the loan under the impression I could easily make extra payments on the principal, with no prepayment penalty. 

Unfortunately, once I had set up an online profile within Spotloans payment portal, I was very frustrated to realize that their repayment options were suspiciously limited. Through their online platform, I only had the ability to pay double the minimum bi-weekly payment of {$130.00} ( for a total of {$270.00} ), or the full balance plus interest accrued up to that day. 

These limitations seem designed to make repayment difficult, and near impossible to avoid getting hit with outrageous interest charges at a 490 % APR, definitely in violation of my state of Californias usury laws. 

To date I have paid {$2700.00} with interest on a {$700.00} loan, due to business practices that almost certainly violate UDAAP guidelines. My original loan agreement is attached in a PDF file. Spotloan is the DBA name of their parent company, Blue Chip Financial, a tribal loan company operating in the state of North Dakota.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
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: Account information incorrect

Complaint:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/ with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Bull City Financial Solutions, Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I set up a payment plan, to begin paying this debt down, in late XXXX so that payments could start on XX/XX/2023. I set up the payment plan giving my debit card information for the funds to be deducted from my checking account. In speaking with XXXX on XX/XX/2023, he confirmed that payments were set up to come out of my checking account. On XX/XX/2023, Bull City Financial Solutions attempted to withdraw {$50.00} from my savings account. This transaction was denied. Bull City Financial Solutions then charged me a {$20.00} NSF fee because the transaction on XX/XX/2023 did not go through. On XX/XX/2023, I spoke to a Bull City Financial Solutions agent by the name of XXXX. I explained to XXXX the NSF fee and he informed me to email, Bill City Financial Solutions Help Desk for Client Services, a screen shot of my bank statement that shows the {$20.00} NSF fee being deducted from my banking account if I wanted to be reimbursed. I sent an email to Client Services on the same day with a screenshot of my XXXX bank statement that shoes the {$20.00} NSF fee. I never received a call from Bill City Financial Solutions to address the matter at hand. I didn't find out that the reimbursement request for the NSF fee was denied until XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: SC
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:
There seems to be an error on my consumer report furnished by XXXX XXXX XXXX. On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is XXXX XXXX XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX XXXX has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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 2018-10-11
Company: Big Picture Loans, LLC
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Apparently XXXX sold my payday loan to XXXX XXXX XXXX who hired XXXX XXXX XXXX. XXXX XXXX keeps blaming everyone else. They are calling all my employees constantly, my Dads ex wife, calling my store telling them I have a legal issue with an unpaid debt and I'm about to face legal action and they are giving XXXX XXXX name, number XXXX and my case number XXXX. I called them and they said I have a wage garnishment, I looked it up and it's not there. They payday loan is for {$600.00} & they said I owe {$4800.00}. I have not been contacted till now, this is from 2015. I do not know if this is legit and company can not answer my questions. They keep threatening me with legal proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX, 2021, CAVALRY PORTFOLIO SERVIC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
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:
Among checking my credit report I noticed there a serval fraudulent account and fraudulent inquiries

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 2020-11-11
Company: CUSTOMERS BANCORP, INC
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX there was an issue at the ATM. The following day I could not sign into my account to check my balance, the website said my phone number did not belong to the account. After speaking to customer service, I was able to sign into my account. However, they decided to go ahead and put a hold on any remaining balance because of the issue. I never permitted the hold on my account. When I called back, they continued to argue and said they felt in thier decision making that placing the hold on my money was the best thing to do. They told me if I sent them a copy of my driver 's license that I could then have my money back or access my funds from the account. It is a student account. I sent the driver 's license by email with a completed form. They sent back an email saying they didn't understand the email or form or copy of my ID and they wanted further clarification. There is no further clarification for the bank. They are trying to steal what is left in my account and have a replacement card mailed to a different address. I am being harassed and abused by customer service when I call. I am attaching the form they say doesn't make sense.

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 2022-04-06
Company: EQUIFAX, INC.
State: NY
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/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Good morning. i am writing you today because my Suntrust checking accounts had a fraud transaction made for XXXX via XXXX XXXX witch nobody knows about. the transactions were made XX/XX/XXXX to a XXXX XXXX. The transactions were done separately 2 for {$500.00} and 2 for {$1000.00}. 

We attempted to file a claims on the fraudulent funds around XXXX, the reason the claim was filed so late is because we had other fraudulent activity on the account we were trying to take care and they were successfully handled but this particular one is just very weird but we will not stop fighting. 

So the claim from XXXX was denied and we were not provided with a valid reason as to why the claim was denied even speaking with a representative the told us " the security team denied your claim we are unable to tell you and the security team doesn't have a direct number so i'm sorry about that ''. So i told the representative that i want to submit a rebuttal form, at this point its XX/XX/XXXX thats when the rebuttal form was submitted. Also me and my mother walk in the bank and also submit a rebuttal form with the bank teller representative. The bank teller also helps us submit a form because he taught it was ridiculous too. So both forms were submitted less than 45 days later the rebottle claims came back denied. The email read " we have received your and reviewed your letter, the document failed to give any additional details that would overturn the decision rendered on your case ''. It was very heartbreaking, my mother and i went over to to Suntrust bank again to see what we can do and the teller told us its nothing i can do " these type of situations happen all the time ''. She even tried to call the representatives on the phone but they were still not able to provide a valid reason on why it was denied. So now here i am still fighting to get justice on this situation.

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 2019-04-03
Company: Navient Solutions, LLC.
State: MS
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Since XX/XX/XXXX, I have been requesting for Navient to provide me with my student loan information. I provided Navient with my new address multiple times. However, I never received a bill. My new address is on my payments also. Navient refuses to provide me with any information regarding my loan. I do not know my current status. I have been sending my last known payment amount of {$25.00} each month though. I also need my student loan information to file my taxes. It's not fair for this company to report me to credit bureaus when they refuse to provide me with any information. The last time I contacted them was XX/XX/XXXX. I still haven't received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Block, Inc.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase at XXXX XXXX on XX/XX/XXXX at XXXXXXXX XXXX, using my Cash App card with the last four digits " XXXX. '' The total amount was {$47.00}, and I was assured a refund. According to the given timeline, the latest date for the refund to be processed should have been XX/XX/XXXX, considering a maximum of ten business days, excluding weekends and holidays. 

However, as of XX/XX/XXXX, I have not received the promised refund. I have been in constant communication with the merchant, XXXX XXXX, who informed me that they have been escalating the issue and that someone would reach out to me by the next business day. Unfortunately, I have not received any follow-up calls as promised. 

I have reached out to XXXX XXXX ' XXXX delivery support multiple times, and each time, I am told to wait another 7-10 business days for the refund to be processed. Despite disputing this matter three times, I have not received my money back. Ive also tried to dispute this issue with cash app and Ive been denied four times.

I have attached screenshots of relevant dates, receipts, and reference numbers for your verification. I kindly request your assistance in resolving this issue and facilitating the return of my funds. Your prompt attention to this matter is greatly appreciated. Thank you. 

I've already lodged a complaint with the XXXX XXXX XXXX but they were unable to assist. Cash App has repeatedly rejected my disputes, claiming that my payment method aligns with the merchant 's policies. While I did make the initial transaction, I was promised a refund that has not been delivered, and I have emphasized this in each of the four disputes I've filed. Today, at XXXX XXXX Cash App began blocking transactions from my account, which I consider to be unethical and unjust treatment of their customers. Once I receive my refund, I intend to sever ties with them and share negative reviews about their service wherever possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I sent a certified letter requesting a full accounting of my loan from conception XXXX XXXX to current date. I asked to know where my payments are posted all fees and other charges and why there is a additional {$10000.00} added to my loan with no breakdown and why on my statements am I being overcharged for escrow and property taxes? I need a full accounting to see what is really being applied and where. The last time my attorney asked they gave a partial accounting but I cant see where they got their numbers if its only a year or two. Also I need it to be legible and readable not in microscopic print when the printer is run out of ink. I have had several servicing companies so I am very concerned about miss management of my payments and late fees charged when I sent my payments certified every month but the servicing company holds the check for 10+ days before cashing. 

What I would like is a Legible readable accounting of my loan with all breakdowns of expenses, payments posted, taxes, insurance and other charges and why is there so much money being put into a unapplied funds column that just seems to disappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 to Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. The credit Bureaus stated my account was properly investigated but how is that possible if the open inaccurate, the date last active is inaccurate, and the date last reported is not accurate. The ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail

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 2022-10-26
Company: EQUIFAX, INC.
State: PA
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 name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation