BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I applied fir HAF in XXXX  got awarded 18 months and they havent made XXXX payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My previous credit report was showing 60 day lates for my student loans XX/XX/XXXX & XX/XX/XXXX that was being serviced by XXXX XXXX XXXX XXXX XXXX. 

I reported this to the Consumer Financial Protection Bureau and uploaded my credit file reflecting XXXX XXXX XXXX student loans being reported 60 days late during the Covid pandemic. 

I later received a call from a XXXX advocate, who had been assigned to my student loan file. The XXXX Advocate explained that XXXX XXXX did not report me late, but Experian continued to report me late due to me calling Experian to dispute the inaccurate student loans. 

Experian Corp has prevented me from receiving financial funding for my business that I needed for my staff payroll, also almost cost me my residence, as I was in the mist of closing on my home. In addition I was unable to finance MUCH needed medical equipment for my XXXX child. 

Experian Corporation MUST be held accountable for the hardship they have inflicted on my family, business, as well as staff. Experian corporation did not have the right to report my student loans late after XXXX XXXX, and President Biden clearly stated no XXXX XXXX XXXX loans have to be paid until XX/XX/XXXX. 

Experian went against an official presidential order and affected my life tremendously. I have lost many things that I can not recoup do to Experian neglect. They have updated the bureau and try to return back to life as though it has not cause detrimental effects in my business as well as personal affairs. 

I am certain that Experian is doing this to a multitude of US Consumers. Experian need to be investigated for official financial oppression, fraud, as well as deceptive practices. 

If any federal agent need any information from me please feel free to contact me and I will provide all documents and proof. 

~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 2022-08-17
Company: Genesis FS Card Services, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is a fraudulent account, someone opened in my name, several years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
1. Account name : XXXX XXXX Account # XXXX XXXX. Account name : XXXX Account # XXXX XXXX. Account name : XXXX XXXX XXXX Account # XXXX These accounts have 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 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 7 years. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have reached out multiple times to remove any and all inaccurate information per FAIR CREDIT REPORTING ACT.

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 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have reached out multiple times to remove any and all inaccurate information per FAIR CREDIT REPORTING ACT.

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: Chime Financial Inc
State: IA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
They took money from a transaction that I never did and didnt give my money back from an ATM withdrawal that did not dispense and Im am never going through Chime again!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-29
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
They are discriminating against me; violating my rights, stealing my money, continuing to use my account but claim to closed it, lying, wont give information requested, stealing over XXXX XXXX dollars from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: U.S. BANCORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
My complaint is about a leased vehicle where my insurance company paid the bank approximately $ XXXX more than the value of the vehicle after it was declared a total loss. 

My wife and daughter were in a hit and run accident. My wife was the driver and was found to be at no-fault. The vehicle was a total loss. It was leased from US BANK in XXXX XXXX. XXXX XXXX settled and sent a check directly to US Bank for an amount that is more than the value of the vehicle when it was leased to us 13 months ago. The lease shows that the agreed upon value of the vehicle was {$50000.00} ( Gross Capital Cost ). However, I also have a statement from US Bank dated XX/XX/XXXX that states that if I were to purchase the vehicle, the pay off amount was {$45000.00} I had just renewed the registration in XX/XX/XXXX and within the 13 months prior I purchased a few after market products that were installed in the vehicle for approximately {$1700.00}. All of our add ons, except for one item ( worth {$53.00} ) were still intact despite the accident. Receipts for those purchases were sent to our insurance company. XXXX paid the bank {$54000.00}, which if based on the pay off amount on the XX/XX/XXXX statement is {$8200.00} more than what it was worth 13 months ago. 

My wife and I reached out to the bank about the overage to find out if they would send it ( or a partial amount ) to us but they said we are not getting any refund from the settlement check, and they claim that we are not entitled to any amount at all. We called the bank and the insurance company and they are pointing fingers at each other. The bank can not point out the provision on the lease contract that states they are the entitled to the surplus amount and we were told to contact our insurance company. XXXX said they were told by the bank to send them the full amount and at that point there was nothing they can do. 

I believe the bank and insurance company 's actions were unjust and unethical.

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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-03-04
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
cash app is the company that is holding back {$3900.00} from a friend of mine I had a mistaken dispute on transactions i made with a recipient/friend of mine on XX/XX/2023, and on XX/XX/2023, the funds were reversed >>>> the funds from several transaction 's ( over XXXX ) were taken from my friend. So, I called the financial institution to cancel the dispute and return all the funds back to the recipient which they did, and cash app is saying they don't see the funds. I have been back and forth on the phone with XXXX XXXX  and cash app and I am getting nowhere this situation. in total there is {$3900.00} that is hanging in the air at cash app. I have statements and documents that funds were taken from me but never in the account of the recipient. I don't know what to do anymore this has been going for over a month now. Cash app keeps telling me there is no funds returned on their end and my bank keeps telling me the funds were sent back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a condo in XXXX County, Ohio XXXX in XX/XX/XXXX. Since that point, my Mortgage lender, Huntington National bank has not paid any of my county taxes due in XX/XX/XXXX or XX/XX/XXXX, and my mortgage states that Huntington is responsible for that. Huntington has,  However payed over {$13000.00} out of my Escrow, ( making it over {$10000.00} net negative ) to 4 parcels that I am not, and have never been associated with. On XX/XX/XXXX, I saw my mortgage statement increased from my regular {$400.00} to {$2600.00}. I contacted Huntington mortgage department on XX/XX/XXXX, spoke with XXXX, who discovered that those 4 parcels being paid from my escrow did not match my name or address. She also noted that my parcel was not listed. She told me to call back on XX/XX/XXXX for resolution. I have since spoken with multiple other people from Huntingtons tax department, including Supervisor ( name available ). They are continuing to do research but still do not have a resolution. At this point, {$2600.00} is scheduled to come out of my checking account towards my mortgage, due to Huntingtons error. And my county taxes are still delinquent, but huntington has verbally told me they will cover all penalties and fees associated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act .The list of accounts below has violated federally protected consumer rights to privacy and confidentially under 15 USC1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A States i have the right to privacy 15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) section sates : no consumer reporting agency make any consumer report containing any of the following items of information any other adverse item of information other than records of conviction crimes which antedates the report by more than seven years 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2020-03-26
Company: Reverse Mortgage Solutions, Inc.
State: IA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
Reverse Mortgage Solutions left a message on my voicemail on XX/XX/XXXX at XXXX XXXX  : This is XXXX at Reverse Mortgage Solutions a debt collector please call me back at XXXX. Reverse Mortgage Solutions in not a debt collector they have the mortgage on my home. This was all a scam being set up by a former employer a XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX, Iowa XXXX ; XXXX XXXX. XXXX XXXX owns the XXXX XXXX XXXX XXXX  I used to work for here in XXXX XXXX XXXX XXXX. When I worked for XXXX XXXX 20 years ago, she recorded the numbers of two of my Visa cards and this is identity theft. She did not record these credit card numbers to steal money or goods from them she recorded them so she could harass with them. I have been unemployed for 18 years because of XXXX XXXX and these two Visa cards ended up with a debit collector XXXX XXXX. Because I have been unemployed for 18 years XXXX XXXX is the reason for this credit card debt. I submitted a complaint # XXXX to the cfbp on XX/XX/XXXX and XXXX XXXX was harassing then with these two credit cards and she has been harassing with these two credit cards for 20 years. 
On XX/XX/XXXX she was again harassing with this credit card debt at Reverse Mortgage Solutions. She was trying to make me think that RMS was going to foreclose on my home if I did not pay this credit card debt. What upsets me about RMS is that the employees at RMS let XXXX XXXX talk them into helping her set up this scam. Attached is a letter addressed to the postmaster at the XXXX XXXX post office that I am going to send to the USPS inspector General about this incident on XX/XX/XXXX. XXXX XXXX got the information that RMS had the mortgage on my home by tampering with the US Mail at the XXXX XXXX post office. XXXX XXXX has gotten away with tampering with the US Mail for over 40 years at the XXXX XXXX post office by manipulating the employees at the XXXX XXXX post office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Westlake Services, LLC
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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX tax XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ca XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX md XXXX westlake financial accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ca XXXX bankruptcy XXXX XXXX discharged XXXX. I have a right to private

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 2022-12-14
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: Old information reappears or never goes away

Complaint:
I purchased a used vehicle in the state of NJ in XXXX, unfortunately, my loan was approved through XXXX XXXX XXXX. During the lawsuit between the CFPB and XXXX my account was removed from all 3 credit bureaus but after the lawsuit was over my XXXX account reappeared with all the bureaus. My payment history from XXXX until the end of XXXX was wiped away -no history is being reflected. I have tried to reach out the them and to the credit bureaus stating that not only was my account readded but isn't reflecting accurate history. The majority of the information currently reflected is negative history all of my positive history is missing. Isn't it illegal to readd an account that was removed due to the violation of FCRA. My balances are never correct or up to date as well. My account number is wrong as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: AMERIS BANCORP
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage lender has lost my first payment of {$2500.00}. 
I sent a certified cashiers check in XXXX. That check was for the XXXX payment, the first payment on a brand new mortgage loan. We just closed on the house in XXXX. The check for the XXXX payment cleared on XX/XX/XXXX. The check was delivered via USPS with signature required upon delivery. Someone had to sign for it when it was delivered. I made the XXXX payment and that check cleared and was put towards my mortgage. Paid XXXX via website and was put towards my mortgage. Been back and forth with the mortgage lender for a month now. They keep saying I'm past due and I'm not. They still havent figured out where the XXXX payment went. 
I am a XXXX veteran with XXXX with XXXX  problems. I am beyond stressed out. 
I am going to be seeking legal counsel for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Its been brought to my attention, that theres been false allegations, debit collection practices that are now, known to be of a violation within the Fair Credit Reporting Act. Companies by the name listed ; Portfolio Recovery Associate, known as collections. XXXX XXXX XXXX, known as another creditor. All parties and credit bureaus were contacted, on several occasions, in regarding the alleged accounts listed. There was a noncooperative response from all parties, whom disregarded the request for validation, not verification ; letters which was delivered and received. Portfolio Recovery Associate, for the amount of {$500.00}, merchant XXXX XXXX and XXXX XXXX XXXX, for the amount of {$1400.00}. Theyve all been contacted, via certified mail, several times and failed to provide validation, only thing received was amounts that is claimed to be owned, which theres been a request to delete it off my credit report and name completely. These false marks has been negativilty impacting my life and kids, hurting my ability to not only gain credit but the credit ability to open credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting XXXX XXXX XXXX XXXX causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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

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