BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-29
Company: CORELOGIC INC
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.

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 2023-11-25
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX XXXX charges of XXXX $ were taken out of my bank account.. I only use XXXX to send to my family but never any big amounts like that.the person it was sent too i dont recognize.. I never verified these transaction. I'm not sure how someone got in my td bank account but they were also able to verify using my number and that was really new to me but I filed a dispute with td bank then they said they filed one for me but I called 2 weeks later for them to update me just for them to tell me that the worker I was talking too didn't file one for a XXXX dispute... I had to re file another one this is almost a month in back and forth with them telling me something didn't everytime.. then I started receiving calls from random people claiming they work td but those probably scams Im not sure.. 
Td banks and XXXX customer services was very poor and I do feel very violated and they tried putting words in my mouth. Next step is court Companys involved -td bank -XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-28
Company: FREEDOM FINANCIAL NETWORK
State: AZ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for an online loan during the week of XXXX. I received contacts from quite a few companies via email, texts or phone calls. On XX/XX/XXXX, I received a call from someone who said they were from Achieve Personal Loans and that I was approved for a {$2500.00} loans. They already had my basic info, name, address, phone number, and email. During the process of the application, I gave them additional info, mobile banking info, SSN, banking password, and a picture of my drivers license. They told me that my credit score was low so for them to extend the loan they would have to send me money, an amount between $ XXXX, I would have to send it back then they could send me the loan amount. It sounds like a scam but I was in a jam and hoping for the best. I even received an email with the Federal Trade Commission on the letterhead, pretty much stating the same thing they told me about them sending me money and i had to return it. They told me the entire process, from application to receiving funds, would be complete on the same day. After XXXX, I didn't hear back from them so I figured I would speak to them the next day. On XX/XX/XXXX, I received a call from my bank, asking if I tried to make a deposit through the mobile app, and I told them no. They said a deposit was attempted but it looked like a scam. Now my account it locked. The bank rep told me I would need to go into s branch to speak to someone about the lock on the account but I told her I no longer live in the state. She said she would talk with her manager and call me back. I tried to call the number that I spoke to the " Achieve '' rep on but no one answered. After thinking about things more, I went back to check the form I received from the FTC and it confirmed it was not legit. I'll just say, read, read, READ!! There were spelling errors and the verbiage was off. The letter was their way of confirming that they have successfully scammed you. I received it after I had already sent the info they were requesting. Feeling crazy now that I know I have been scammed and there's nothing I can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
{>= $1,000,000} from my XXXX were ordered by my bank with their in house broker. Funds were sent but I never got them. I have been back several times but never have gotten funds or explanation. I need help to find my money. This was almost 4 years ago with no answer from bank. Funds are gone. Need help.

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 2023-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 am writing to dispute inaccurate information that has been reported by settled accounts on my credit report. Upon reviewing my credit report, I have noticed discrepancies that need to be addressed promptly. I am concerned that this inaccurate reporting is negatively impacting my credit score and financial standing. 
BK OF AMER XXXX - There is a possibility that this information may be inaccurate. This must be removed immediately. 
Despite settling this account, the information reported inaccurately suggests otherwise. It is my understanding that settled accounts should reflect their accurate status on my credit report, and any discrepancy is not only misleading but also damaging to my creditworthiness. The terms of our settlement agreement clearly outlined that the account would be considered satisfied upon completion of the agreed-upon settlement amount. Therefore, I am puzzled as to why this information is not accurately reflected on my credit report.

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 2024-01-30
Company: SLM CORPORATION
State: LA
Product: Credit reporting 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:
Upon checking my XXXX credit report, I noticed a hard inquiry from Sallie Mae Bank on XX/XX/23 that I did not initiate or authorize. Please remove the following inquiry from my credit report immediately as this is fraudulent activity. Thank you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Block, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent money from cashapp to my personal checking account and money was never delivered. I spoke to cashapp and they state transactions was successful and XXXX XXXX state cashapp declined the deposit to my account. Now cashapp refuses to give me my money. Message from cashapp : Based on the information available, it appears the funds were dispensed properly and no error occurred with this transaction. As a result, your dispute has been closed. XXXX XXXX  transaction : XX/XX/XXXX XXXX  at XXXX XXXX and the error is money didn't go into the bank. Request documentation and nothing received https : XXXX. XXXX has no pending deposit and provided me with a authorization number for the declined transaction.Decline to release by cashapp authorization : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
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 had identity theft issues after my purse was stolen with my phone and wallet. 

Charges were made to a company names XXXX I reported it to Citizens bank and contacted the company who said they closed the account that was opened in my name along with the card that was opened in my name. 

The bank reversed the provisional credit on Friday of {$1800.00} without even alerting me or asking for additional information. They closed the claim and refuse to look into it further. I am a single mom - and now have an account with negative XXXX. It's XXXX- the bank refuses to let me talk to the back office - and refuses to give me anyone else that may be able to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: CAINE & WEINER COMPANY, INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Digging began on my property easement in XX/XX/XXXX  by a third party company who was hired by the city/county for the purpose installing XXXX XXXX XXXX. During this process, an emergency XXXX call was made by an unknown party related to a natural gas leak. Weeks later, I received a bill, by mail, for a total of {$1300.00} which has currently been increased to {$1300.00}. The bill was sent from XXXX XXXX XXXX XXXX and has since been turned over to a collection agency by the name of Caine & Weiner. 
XXXX XXXX XXXX XXXX was contacted by phone to acquire explanation. XXXX XXXX representative chose to not explore the origin of the emergency XXXX call or circumstances related to the easement digging and natural gas leak, placing that responsibility on my household. We were told that the {$1300.00} bill would be waived if we immediately agreed to pay the voluntary annual fire protection fee within the next XXXX hours of the phone conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My PayPal account has been suddenly permanently limited without any valid reason and the funds inmy account have been put on hold for 180 days. 
I tried to get help from PayPal 's customer serviceteam but they said that they won't be able to help me regarding account restoration.I have been usingthe account for some time now and always work in good faith and follow all the policies and useragreements as stated and agreed upon while I signed up for the account. 

I have taken every step tominimize the risks associated with my account however PayPal still permanently limited my accountstating there's potential risk associated with it. 
I would request any information as to why PayPal feltthey had to limit the account. There is no reason to permanently close my account as I believe I haven'tdone anything wrong that led to its closure.Therefore, I would request PayPal XXXX please re-investigatethe issue and help to resolve it. I am willing to provide any information needed for the investigationand to help restore the account back. I am willing to work with PayPal collaboratively to minimize theperceived risk. I would request you to please help me to get my account reinstated. 

Reference number : XXXX PAYPAL : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I JUST CAN NOT BELIEVE WHAT I HAVE BEEN GOING THROUGH WITH THIS VA HOME LOAN SINCE 2008. I WAS JUST PUT TO THE RINGAR LIKE I WAS A PIECE OF FABRIC IN A WASHING MACHINE BEING DRIED OUT. I WAS TEXTED BY A VA REP THAT TOLD ME I HAVE A TERM OF 449 MONTHS, THAT`S 37 YEARS. YOU THINK I AM HAPPY YOU ARE PUTTING MY FAMILY THROUGH THIS GOT ME IN A XXXX XXXX TO WHAT THE CFPB IS SAYING AND THAT`S A VIOLATION. IN 2008 MY LOAN IS FOR. 
{$250000.00} MONTHLY PAYMENTS OF {$2000.00} FOR 3 YEARS THEN YOU DID YOUR KIND OF REFINANCING. AND I HAVE A DOCUMENT THAT SHOWS THAT ALL I PAID IN 3 YEARS WAS JUST {$4200.00} IN PRINCIPAL AND {$66000.00} IN INTEREST PAYMENTS. THEN YOU SWITCHED THAT OUT AND GAVE ME A LOAN FOR {$240000.00}. THAT WAS JUST A ONLY INTEREST LOAN. AND WAS A VIOLATION OF THE FAIR LENDING ACT. VA LOANS ARE NOT JUST INTEREST-ONLY LOANS AND THE PRINCIPAL IS SUBJECT AFTER 5 YEARS TO A ANNUAL DECREASE OF THE LOAN. MY LAWYER IS TELLING ME THAT I PUT THE MONTHLY PAYMENTS INTO AN ACCOUNT AT MY BANK TILL THIS ISSUE IS SETTLED, CAUSE RIGHT NOW I DO NOT KNOW WHERE MY PAYMENTS ARE GOING. CAUSE THIS FORGED BANK STATEMENT YOU HAVE THE INTEREST RATE AS 3.750 % BUT A DOCUMENT THAT MY LAWYER HAVE FROM A REALTOR HAS 5.125 % AND ON THE 2008 LOAN THE INTEREST IS 6.125 %. I SHOULD HAVE HAD SOME LIENS ON THIS LOAN BUT YOU CAN`T PUT LIENS ON XXXX XXXXOR VA LOAN ESPECIALLY VA 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 explanation
Consumer complaint received 2023-11-26
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On or around XX/XX/23, I mailed a Notice to Cease and Desist to Navient requesting that they stop contacting me, my friends, and my family, and I directed them to communicate with XXXX XXXX XXXX XXXX. Starting XX/XX/23, I have received multiple voicemails from XXXX who represents Navient, requesting a return call. My mother, my sister, and my ex-husband have also received calls from Navient in direct opposition to my Notice to Cease and Desist. I will be mailing a second Notice to Cease and Desist to Navient tomorrow ( XX/XX/23 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Experian Information Solutions Inc.
State: FL
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:
In Florida, the statute of limitations applicable to a debt collection lawsuit is generally five years. This means that once five years have passed, a creditor generally can no longer file a lawsuit against you to try and recover on that old debt. BY LAW This account is for XXXXXXXX XXXX 

, incomplete, or unverifiable information must be removed very inconsistent on each report

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 2023-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
I extended my credit my credit to Capitol One for the amount of {$150000.00} on XX/XX/2023 they denied me I sent a Anticipatory Breach of Contract to them certified mail XX/XX/2023 and a Opportunity to cure stating CAPITAL ONE to apply the application Reference # XXXX and use this application as SECURITY COLLATERAL ADVANCED PAYMENT to set off the Principals Balance IN FULL each and every billing cycle. Pursuant to [ FEDERAL RESERVE ACT SECTION 16 P.2 ]. XXXX XXXX has entered into a fiduciary relationship and you now have obligations to up hold. Pursuant to [ 12 USC 1431, 15 USC 1615 ] I hereby instruct the CFO or indentured trustee for CAPITAL ONE to respond in writing if these instructions can not be completed. You have five business days. If I do not receive anything in five business days I can assume these instructions have been successfully performed. 
No reply

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am submitting this complaint to address issue involving the inaccurate reporting of late payment on my credit report. I have consistently been a responsible and long-standing customer with a history of on-time payments.

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 2023-11-29
Company: JPMORGAN CHASE & CO.
State: NE
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:
XX/XX/XXXX  Chase notified me via text of suspicious activity on my account from a XXXX merchant. In the text, it requested I review my transactions and report any that were not valid. After checking and seeing multiple charges from the same/similar vendors, I called to report the other purchases. I was told this would be included and removed. 

I received my new card. I checked to make sure the other transaction ( s ) were removed. They were not. I called, and was told they have this submitted and it will be removed in about a week. A week came and went and it was not removed. The other transactions had been, however. There was still a XXXX charge from this vendor that had not been removed. 

XX/XX/XXXX  I called again asking about the credit. I was told this will be on the account the following day, XX/XX/. 

XX/XX/XXXX  the transaction was still on my account. I called 3 times this evening. I continually was told the transaction credit was there. I was lied to, hung up on, they muted themselves, would not transfer me to a supervisor, and continually insisted I was not looking at the transaction history correctly. On the last phone call I asked for a way to submit a screenshot of what the XXXX is showing, since clearly if a credit is there there is a problem with their customer portal not pulling in the backend transaction tables. I took a screenshot before the 3rd call so I could assist them in researching their problem, since although I asked for a payment history on the first call I was hung up on instead. 

The last individual transferred me to their web support team to report this XXXX issue. When I was transferred, magically the credit now appeared. I have a screenshot prior to that last phone call that clearly shows the credit was not there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, I have recently tried to pay off my student loans in full. I paid {$22000.00} on XX/XX/XXXX at XXXX to the entire account. I had used the repayment calculator to account for interest 2 days in advance because Nelnet stated it would take 2 business days to process. Today, XX/XX/XXXX I saw the money I used taken out of my bank savings account but it is still processing on Nelnet. I just want to make sure that the money has been applied to my loans, paying off everything, and that I will not be held responsible for the interest that as accured due to the extended processing time. It is not a small amount of money, and I want to make sure that the loan is properly paid off. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19
Company: DIGITAL FEDERAL CREDIT UNION
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Hello, I have a XXXX open with DCU Mortgage. 
The XXXX has a limit of XXXX. 
I have taken out XXXX as of today. 
I am looking to pay XXXX back to reduce the loan balance. 
I am trying to pay this amount through electronic funds transfer without having to pay for the wire fee at DCU and at my originating Bank.

I had requested DCU to give me a one time exemption to increase the Online transfer limits to XXXX. 
They are refusing to do this and forcing me to Wire the funds. By refusing to do this they are forcing me to pay additional interest by not giving me a pathway to transfer funds and are also forcing me to wire the funds which means I will incur Wire Fee from my external bank as well as DCU. 
Are they allowed to force to wire the funds only? 
I have attached their email denying the exemption. 

Thanks, 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 explanation