BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I attempted to challenge XXXX and TransUnion as to factual incorrect information they each reported. I attached factual records. They completely ignored the question and the did not in either investigations attempt to rectify and inaccuracies. I will attach both the dispute responses. And in those previous challenges you will find the other attached records that factually disprove their reporting and how even in their responses willful illegal activity and reporting willful violations to harm my character and reputation. I DID NOT ASK THEM TO PARROT INFORMATION already disputed incorrect information FROM THE CREDITORS. I ASKED EACH TO EXPLAIN WHY THEY WILLFULLY REPORT INACCURATE INFORMATION I PROVED TO BE INACCURATE. So neither agency handled with the investigation properly and neither answered my challenges. Who is holding them accountable?????? 

XXXX is willfully reporting account as charge off monthly Trans union willfully parrot the incorrect information they receive to harm me. 
Along with many other inaccuracies they CAN NOT 100 % verify. 

I did not give either agency my written nor verbal consent to report publicly any of the account I challenged. 

I ask that they follow the law and that they be held accountable for damaging my life and ability to find a place to live. They are violating my privacy and due to their lack of investigation they are doing so willfully. Attacked is the previous CFPB complaint that will still have all the attached questions and challenges. A reinvestigation is supposed to not parrot incorrect information and inaccurate accounts. THATS EXACTLY WHAT THEY DID BY THEIR own ADMISSION in the first response in the challenge through XXXX THEY said they simply asked to original creditor. They admitted to parroting which is against the law and FCRA when conducting a reinvestigation. They are to conduct a reasonable reinvestigation. And use all relevant documents given by the consumer. They did not and therefore willfully broke the law. I want all challenged information. Removed. Attached also are the original credit reports proving the inaccurate information and reporting. Lastly, attached are the original complaint in word document.

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 2022-11-14
Company: Experian Information Solutions Inc.
State: VA
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:
I have mailed each bureau 7 letters and made approx. 24 phone calls to get this matter cleared up. They continue to report inaccurate information and I have told them I did my research as a US citizen and it is illegal to report inaccurate and misleading information per FCRA. I also asked them to verify the information per FCRA 15 usc 1692g and they continue to ignore me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-14
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I could no longer afford the {$4800.00} mortgage payments offered on my loan modification and I requested to short sale the home since I owe about {$990000.00} and it 's worth {$650000.00}. I wanted to move quickly and avoid foreclosure. The servicer, Nationstar, requested that my Realtor use XXXX auction to sell the property. My realtor acquiesced but Nationstar has instructed the auction company to see the home for {$860000.00} as the minimum opening bid. It received no bids at the first auction and now they set it up to go through a second round of bidding, at the exact same price. Needless to say that it is an exercise in futility. 

An exact replica and directly across the street sold for {$860000.00} and was completely remodeled. This home needs well over {$100000.00} in upgrades as well as a remediation work due to a fire and mold damage. There is also a broker water line that needs repair but it runs through XXXX feet of concrete which is a huge job. 

We have received offers and they range between {$580000.00} - {$640000.00} all from investors because it 's not for a first time owner. 

I just want to sell the home but I was told not to accept an offer and make these buyers who submitted offers go through the auction. 

This is a waste of time and my Realtor could 've already sold this home. The traditional short sale makes the listing realtor accept the highest and best offer and send it to the servicers for an approval. This auction is a complete waste of time and does not inform the consumer of the major issues with the home. They failed to put in the remediation work and major rehab work that is needed. They 're offering it as it were in fantastic shape, which puts me, the seller, in major liability for not disclosing the condition. 

My realtor has the correct disclosure information on the XXXX XXXX XXXX but the auction site makes no reference to actual condition. It is misleading and false. 

I want to be allowed to sell it as a regular short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
XX/XX/2021 I cash app $ XXXX. XXXX and she never received the funds. I have cashed app here before. Cash app has refused fix the issue. Keeps saying XXXX was applied. XXXX XXXX has other consumers complaining about exact issue with cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Block, Inc.
State: FL
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:
On Wednesday, XX/XX/XXXX I got my direct deposit $ XXXX I went to sleep my account had $ XXXX XXXX my phone kept notifying of XXXX woke up to over XXXX transactions XXXX after the other from a XXXX company. I have nothing to do with XXXX. the bank itself called Cash App notified me that they had seen suspicious activity on my account and if it was me I answered and replied back no that it wasnt me.They had taken {$230.00}. I can never speak to nobody, and when I do speak to them, they all give me a generic message. I worked so hard for my money like every other XXXX and I live paycheck to paycheck. Now my bills will be behind because of this accident that I had nothing to do with and all they tell me is that I have to wait 45 days. And nobody wants to talk to me, I dont know what else to do. I shouldve never put my money into that company please can somebody help me I can explain myself better on the phone thank you, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was on the XXXX XXXX site about to purchase tickets and an ad came up to apply for the Barclays XXXX XXXX credit card. The ad offered XXXX miles and a $ XXXX statement credit. I clicked on the link and applied for the card. I called customer service at Barclays the following day and paid extra for the card to be overnighted as I wanted to purchase the tickets with my new card and ensure I met the spending requirement to get the XXXX miles and got credit for the miles. I confirmed with the representative on the phone that I would get the $ XXXX miles and the {$300.00} statement credit once I completed sufficient usage of my card. I have purchased flights for my family to fly to the island ( just over {$4500.00} ) and just received the XXXX miles on XX/XX/23, BUT was told that I do not qualify for the $ XXXX statement credit. When I called Barclays customer service this last time they said they didn't see anything about the {$300.00} statement credit offer. I was bait and switched.

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 2023-11-21
Company: Block, Inc.
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
While on XXXX, the company owner sent me a message and invited me to play some online games. I was told that that would be a fee and that I had to send it to their cash app. They kept sending random other peoples cash app and when the game was not Sent to me to install on my computer. I requested a refund because I didnt receive anything from them. I was making a purchase for a game and they did not provide the game. They did not deliver the software. After requesting my money back, the cash app user blocked me, I did not receive any goods or services from this purchase. I have screenshots of the whole conversation through XXXX messenger cash app is not willing to help me recover my funds, and neither is my bank. Nonetheless, if thats not recovered, cash app needs to shut that user down that user is impersonating a company and scamming a lot of other people Im sure of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries are fraudulent and im demanding that they be removed. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX  ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX ( XXXX ) 5 ) XXXX  XXXX ( XXXX ) 6 ) XXXX  XXXX ( XXXX ) 7 ) XXXX ( XXXX ) 8 ) XXXX ( XXXX ) 9 ) XXXX ( XXXX ) XXXX ) XXXX XXXX   ( XXXX ) 11 ) XXXX  XXXX ( XXXX ) 12 ) XXXX ( XXXX ) 13 ) XXXX XXXX ( XXXX ) 14 ) XXXX XXXX ( 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 2023-11-21
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I had a lease with Chrysler Capital. The payment was about {$1000.00} per month. I leased another vehicle and paid off the loan. It was overpaid by at least {$1000.00} on XX/XX/23. I had to make the last pymt to avoid being late. Chrysler Capital knows its paid off and has a policy to keep my money for 60 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-09
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company communicating payment assistance or payment extension options

Complaint:
The company is harassing me through emails and phone calls. I am not authorized to pay this company and they are constantly emailing me for a debt I do not owe. Im tired of being harassed for a debt that my deceased husband owed.

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 2023-01-12
Company: SYNCHRONY FINANCIAL
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have 5 hard Inquiries on my account that I am no aware of. 
I tried contacting the merchants with no success. 

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX syncb/lowe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-15
Company: PROSPERITY BANCSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My checking account at Prosperity Bank was subject to an unauthorized ACH transaction. ( See file for details ) The criminal is from XXXX XXXX and most likely has my bank info somehow and is using it to make ACH to pay his credit card. 

I am bounced back and forth between XXXX and Prosperity bank from their fraud department and no-one is wiling to take the blame and give me the lost money back. 

Transaction details :

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-04
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
My identity was compromised and JP Morgan, Chase bank ran my credit that now has me with inquiry that I would like to have removed ASAP. I reached out to all companies. JP Morgan, XXXX, credit bureau, XXXX XXXX credit bureau. My credit was pull on XX/XX/2023. 
From the institution of JP Morgan, Chase Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am writing to file a formal complaint against Discover Bank and the XXXX XXXX XXXX XXXX and XXXX regarding their collection tactics and the imposition of exorbitant interest rates. I am currently facing significant hardships that have severely impacted my ability to meet my financial obligations. As a XXXX XXXX in the midst of a costly and emotionally challenging divorce, the financial strain resulting from legal fees, contested child support, relocation, loss of income, and the general nature of divorce proceedings have left me in a precarious financial situation. 

The issues I am raising concern both Discover Bank and the XXXX XXXX XXXX XXXX and XXXX 's utilization of aggressive and abusive collection tactics, as well as the imposition of excessive interest rates. I am being threatened with wage garnishment, which would certainly make me unable to make ends meets. These practices have only served to exacerbate the challenges I am already facing and have contributed to the deterioration of my financial stability. 

Discover Bank has engaged in what I believe to be unfair and harassing collection practices. The constant calls, aggressive communication, and lack of empathy towards my current situation have only added to the stress and emotional toll of my circumstances. Moreover, the interest rates being applied to my accounts appear to be unreasonably high, further deepening my financial woes. Please understand I am not refusing to pay but I dont have {$14000.00} just laying around. 

Similarly, the XXXX XXXX XXXX XXXX and XXXX, in their pursuit of collection on behalf of Discover Bank, has displayed a disregard for the challenging circumstances I am currently navigating. The methods employed by the law office, including but not limited to threatening language and an unwillingness to work with me on a reasonable resolution, have left me feeling helpless and overwhelmed. 

I kindly request that the Consumer Financial Protection Bureau investigate these matters thoroughly and take appropriate action against Discover Bank and the XXXX XXXX XXXX XXXX and XXXX if violations are found. Additionally, I seek relief from the burdensome interest rates imposed by Discover Bank, as well as a more compassionate and reasonable approach to the debt collection process. I would like to add I am a reasonable person and understand that this debt is owed. I do not want to file for bankruptcy protection, but the overwhelming debt load I have as well as legal fees being incurred for my ongoing divorce and child custody battle are just too much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11
Company: EQUIFAX, INC.
State: GA
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:
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 XXXX XXXX XXXX 2 Late Payment Item disputed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5 Late Payment Item disputed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Item disputed on XXXX XXXX XXXX XXXX XXXX XXXX 5 Late Payment Item disputed on XXXX Dept of EdXXXX XXXX XXXX XXXX  5 Late Payment Dept of Ed/XXXX ( XXXX ) 5 Late Payment Item disputed on XX/XX/2023 Dept of Ed/XXXX ( XXXX ) 5 Late Payment Item disputed on XX/XX/2023 Dept of Ed/XXXX ( XXXX ) 5 Late Payment Item disputed on XX/XX/2023 Dept of Ed/XXXX  ( XXXX ) 5 Late Payment Item disputed on XX/XX/2023 Dept of Ed/XXXX  ( XXXX ) 4 Late Payment Dept of Ed/XXXX ( XXXX ) 5 Late Payment Dept of Ed/Aidvantage ( XXXX ) 4 Late Payment Dept of EdXXXX XXXX XXXX ) 4 Late Payment XXXX XXXX ( XXXX ) 2 Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) Collection XXXX XXXX XXXX XXXX ) 5 Late Payment Item disputed on XX/XX/2023 XXXX XXXX XXXX  XXXX ) 2 Late Payment XXXX XXXX  ( XXXX ) Charge Off Item disputed on XX/XX/2023 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 Chapters View

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 keep my capital one account paid by autopay. For some reason, the interest rate increased but they kept my autopay the same. This caused my account to be short by XXXX dollars!!! I was made aware when I checked my account which was over a month after the fact. I do not normally check the account when Im on autopay especially if I see the amount is taken out of my bank account every month. So because of the {$3.00} short, capital one is reporting that my account is over 30 days late which is having a big effect on my credit score. In talking to an agent, she claimed that there was nothing that she could do. She also stated that I should be careful in the future. 
I feel that I should not be considered late when capital one increases the payment and creates a shortfall on my auto-pay payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: CITIBANK, N.A.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2018 a hard inquiry that i want to be removed immedatly i have no knowledge of this item

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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Electronic communications
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XXXX, 2022, I was contacted via text by XXXX XXXX with Genesis collection agency. Please see below. XXXX text he stated he was hired by XXXX XXXX regarding my tenancy in unit XXXX XXXX, owing {$350.00}. To Opt out of the text message please respond XXXX XXXX XXXX. I texted back stop due to me already discussed this issue made payment toward outstanding balance. I receive a phone call moments after I responded stop, its was XXXX. XXXX let me know I owe this money fairly and its not uncommon for apartments to replace carpet between tenants. I explained I understand that but most just shampoo and this was a complete money grab. At this point XXXX began to yell at me and let me know I wont get a house, this will ruin my future the charges are going on my credit score which prompted me to return the exact same energy. He was very aggressive with this attempt. I felt deceived from the initial contact and abused after the call. From nefarious text message practice to the harassments that was felt on this call, left me very uneasy and still makes me angry. I understand Genesis is a 3rd party collection agency and based on this I felt deceived and harassed after this interaction. I refuse to engage with this company

Company response to consumer: Closed with explanation