BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-31
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Out of the blue Venmo arbitrarily has frozen now suspended my account. I added {$40.00} to my account and after I did this my account was frozen. Ive contacted them multiple times and they refuse to tell me why my account is frozen, now suspended and require me to email them and when I do I get no answers. Apparently the group that handles this doesnt have access to phones so there is no way to speak directly to anyone that can do anything. This is a joke and furthermore criminal that they can just deny you access to your funds for no reason at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX XXXX Equifax sent me a letter notifying me that the report they removed off my credit would be put back on. Equifax put XXXX XXXX back on my credit report and damaged it and dinged my credit report XXXX points. Equifax is now reporting false information on my credit report. The loan was for 60 months and started on XX/XX/XXXX the whole loan amount was {$20000.00} with down payment. Equifax is reporting the original loan amount is {$11000.00} false statement, Equifax is reporting the amount I have paid is {$9200.00} false statement I have paid {$17000.00} and at the end of the loan on XXXX XXXX I will have paid {$19.00} XXXX plus my down payment I will have paid over {$20000.00}. Equifax is reporting my remaining balance is {$2400.00} false statement remaining balance is {$2600.00} Equifax is reporting my actual payment amount was {$650.00} false statement I have paid {$17000.00} and at the end of the loan on XXXX XXXX I will have paid {$19000.00} plus my down payment I will have paid over {$20000.00}. Equifax is reporting my remaining balance is {$2400.00} false statement remaining balance is {$2600.00} Equifax is reporting my actual payment amount was {$650.00} false statement my last payment was {$320.00}, Equifax is reporting my last payment date was XXXX XXXX false statement it was XXXX XXXXEquifax is reporting 120 days past due false statement. Equifax is purposely and maliciously ruining my credit. I fell out of escrow last year due to Equifax false reporting and not removing account and false information in a timely manor.Equifax sent me a letter of reinsertion and that has wrong and false information.Aparently Equifax does not care about reporting correctly and they dont care to remove a account permanently when information is not correct since I have been complaining about this account for over a year. Equifax removed the false information one time and then put the same false information back on my credit report I have 16 disputes with Equifax and all are for false or inaccurate information on my report and and over half give or take or for the same account credit acceptance. I called Equifax and spoke with Supervisor XXXX badge number XXXX and he was to open a dispute and investigate the issue no dispute was ever opened by the EQUIFAX Supervisor.XXXX XXXX  has been sued by the attorney general in for bad loans and subprime loans and bad lending practices .A 60 month loan at {$320.00} a month since XXXX XXXX is more then the {$9200.00} being falsely reported since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Fay Servicing, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mortgage interest rate increased to 6 % from 3 % which increased my mortgage payment from XXXX to XXXX a month. 
I have even trying to work with Fay servicing since XXXX 2021 but they have offered me a deed in lieu ( 3 different times ) after they increased my mortgage payment. 
I am working a second job and reduced my expenses but I am struggling. 
I need some help for a reduced mortgage payment Please help me as I can not sleep as I worry day and night to keep my home. 
Help please!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have spent countless hours on the phone and online attempting to make payments on my multiple Comenity Bank credit cards. Problem never gets resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-10
Company: BANK OF THE WEST
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
This account is a checking account overdraft protection line of credit account. The checking account was opened years ago, not XX/XX/2020. When I closed out my Bank of the West mortgage and then closed the checking account, I was given a dollar amount to fully cover any outstanding balance. 

Obviously this amount I was given was wrong!!! So Bank of the West puts a charged off account on my credit for this? And stops me from qualifying for a new mortgage at the highly qualified interest rate I have earned. 

How can an account open XX/XX/2020, close XX/XX/2020 and be reported as a charge off? And XXXX reports the Date of First Delinquency is  XX/XX/2020. That is 17 days before the account was opened, according to FCRA reporting.

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 2022-04-27
Company: Valentine and Kebartas, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I told these bottom feeders to stop calling me and send the debt collection letter I wont talk on the phone but they keep calling now have them send the debt collection letter then have then return the account due that I am exempt from debt collection

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: ZIONS BANCORPORATION
State: CA
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 was denied opening an account with 2 Banks after settling with XXXX. XXXX. XXXX agreed to remove the collection on my bank history once the balance was paid. I spoke to XXXX XXXX at Zions bank the parent XXXX XXXX XXXX on several occasions. She was aware of my denial and ageed to remove the collection once that collection was paid. I was very clear about removing the collection because XXXX XXXX XXXX XXXX told me my application was denied due to the collectiom. I recently went to XXXX XXXX  in XXXX XXXX and was denied being added to my wifes account. This is not the agreement we made and there is no reason for not removing the collection. Especially disappointing since I'm an account holder with XXXX XXXX and XXXX another Zion bank. Pls demand this collection be removed.

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 2017-06-16
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During the life of our mortgage loan with NationStar Mortgage, they have went out of their way to misapply payments or apply them in such a way that they get the greater benefit. Most recently, I sent in  XXXX  for a principle payment and they put my money into " reserve funds '' instead of applying it. They sent a letter asking for an extra  XXXX  before they would take it out of this reserve. Yet I had sent in my regular payment with the exact and full amount days later - and they never fixed the earlier payment. Then I called them to fix it and they said they would need to have the " back office '' work on it and for me to call them back in 3 days - which is ridiculous to expect me to call back on their error that still has yet to be corrected! And I just recently sent in on  XX/XX/XXXX  another payment of  XXXX  which they proceeded to split up into a monthly payment and less principle - even though I had already paid the monthly payment days earlier. This is not the first time, and now I am sure I will have to struggle to get these corrections made while they benefit on the interest charges. I am seriously unhappy about their servicing practices. No wonder they want to change their name to "  XXXX   XXXX  ''. I will be so glad to pay off my mortgage to not have to deal with their tricks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: EQUIFAX, INC.
State: TN
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 2 inquiries on my XXXX and Equifax reports that I do not recognize connected the two lenders at the addresses showing on my credit reports both came back return to sender no such address ( XXXX XXXX XXXX and XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 is XXXX 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16
Company: EQUIFAX, 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:
My Consumer rights were violated by these credit reporting agencies. I sent them an official statement on XX/XX/2021 letting them know that these accounts were inaccurate and fraudulent, and they were supposed to remove the accounts within 4 days of receiving my letter but they did not. to this day XX/XX/2021, these inaccurate accounts are still illegally being reported to my credit report. I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts.also Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative. especially XXXX, do not use this stall tactic, and I ask the CFPB TO PUNISH any credit reporting agency who uses this stall tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Chex system is reported incorrect information on my credit report resulting to denied Bank account and or credit application I have froze my chex system profile and yet chex systems refuses to hoor my request reporting in accurate information and no abiding by the law the the CFPB and FTC has put forth to protect consumers from wrongfuly being denied credit and or opening g a band account

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 2021-11-10
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX, Equifax, XXXX have all stated that the investigation was completed, that they in fact found that XXXX confirmed that the bankruptcy belongs to me. However, in complaint XXXX against XXXX, they actually have DELETED the bankruptcy from my file. XXXX DID not conduct an investigation like they claimed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: EQUIFAX, INC.
State: NJ
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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: Atlantic Collection Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I NEVER GAVE THIS PERSON MY SOCIAL SECURITY NUMBER AND NEVER SEEN OR HAVE EVER MET THIS PERSON THIS HAS BEEN ON MY CREDIT REPORT FOR 4 YEARS NOW. I did back XXXX at XXXX XXXX XXXX back in XXXX and have never seen this doctor he or she, I know nothing about this person as they were not the doctor with whom I did my back XXXX with, and my back XXXX was from a no-fault car accident. 

I did credit check and found out that I have a report on my credit that should not be on my credit from XXXX XXXX XXXX, Original creditor : XXXX XXXXXXXX XXXX XXXX. {$2500.00} Balance updated XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX I do not know this person or agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Fees or costs during the application process

Complaint:
I paid a rate lock fee of {$8500.00}. on XX/XX/XXXX. At this time we expressed concerns about interest rates and we were assured that this wouldn't be an issue because we could always move the rate lock to another property. 

As interest rates went up and the home we were building became more unaffordable we asked Wells Fargo about possible solutions to work with us. They refused to give us any options to latitude. They continued to tell us that the deal was as it is and if we wanted to cancel and forego our rate lock fee then we could. We didn't want to cancel but wanted additional solutions. The rate lock fee agreement says the fee is refundable if the loan is denied but they refused to deny the loan even as we no longer qualified for the house. 

On XX/XX/XXXX we were told that we needed to provide updated information and consent to a new credit check by XX/XX/XXXX or they would cancel the loan and not return our rate lock fee. 

I responded on XX/XX/XXXX. At such time additional information was request with a new deadline of XX/XX/XXXX to get the new information submitted. It was not explained to us at the time that not meeting this deadline would result in a cancellation from the lender and a forfeiture of the rate lock fee. We were in the process of gathering information and they cancelled our loan and their own discretion. 

Wells Fargo chose not to deny my loan but simply cancel it so they would not have to refund my rate lock fee. These actions are predatory in nature. It is not right to take money from someone, refuse to make accommodations when external factors make it so they no longer qualify, and then cancel instead of deny the loan so they can keep the rate lock fee. 

It is not legal to retain funds for services not provided. I would like my {$8500.00} returned to me 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 explanation
Consumer complaint received 2023-10-22
Company: LEXISNEXIS
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Received unsolicited financial products on insurance offer after Opt-Out. 
Improper use of my report shared without consent, credit inquiries from unknown sources.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: NATIONSTAR MORTGAGE LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home mortgage loan was sold by XXXX XXXX company to Nationstar mortgage sometime in 2015 without my knowledge. During this time Nationstar force placed insurances on this account and increased my mortgage from approximately {$400.00} per month to almost {$900.00}. I had sent in documents showing that I had insurances and that I had never lapsed in my coverage. After calling several times and never getting the charges removed I called the Mississippi State Attorney Generals office to get help. XXXX ( XXXX ) and I worked for about a year to have the charges reduced and/or removed. They were never removed. During the course of this they would not accept partial payments even though I had been told to send my initial payment amount until the charges were removed. After a year and a half of this my credit has been ruined. I can not get refinancing because of this. Also during this ordeal, I was in a major car accident. I would like to become current and maybe get refinanced. Their phone number is XXXX. They have done several people this way. I would pay my ( approx. {$25000.00} in full ). I am trying to avoid foreclosure! XXXX also has a detailed list of the numerous phone calls to rectify my possibility of refinancing. I have approx 50 pages of correspondence to upload or fax. Again I included my AG 's number to confirm the hassles. The XXXX XXXX  representative, XXXX, can verify that we called and faxed this company to rectify the problem. Her contact number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: EQUIFAX, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2023 I received an alert on my XXXX account so I went to take a look at what it was, then I seen that a collection appeared for XXXX for the amount of {$1500.00} dollars I called XXXX immediately and reported that the account did not belong to me or that someone is fraudulently using my credentials because Ive never had XXXX as my phone carrier they then responded that I should make a police report and file a complaint with the cfbp as I am doing now. Then XXXX placed a fraud alert on my file but then I also went to my XXXX to investigate there and I see the same collection that shouldnt be there also

Company response to consumer: Closed with explanation