BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: Block, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX XXXX I first attempted to put {$800.00} a one time purchase. I attempted this with my debit card ending in XXXX. The online banking app is called Cash app. My bank, XXXX XXXX in XXXXXXXX XXXX  denied the this tranaction fur to inefficient funds available. So I never attempted that large amount again. But on XX/XX/2023 when I looking at my ban statement I notice that I had an unauthorized purchase from Cash app for the amount of {$800.00}. I immediately started with the online support chat with customers service. When I didn't get anywhere with the online chat I called my bank. was told since it was a debit card purchase I had to.go through Cash app to get a refund. I immediately called the Cash app customers service number and talk with the representative and was told that there was no such purchase made on XX/XX/2023. But they did see the denied transaction on XX/XX/2023. Even though I sent my bank statement that clearly showed the transaction I was still denied my refund. I attempted many msny times after this to even talk to a supervisor but was told that I could not talk to a supervisor. Later around XXXX XXXX I attempted to call again and magically the transaction appeared in my activities log but still was not credit the {$800.00} or ever refunded the funds back to my debit card. I tried multiple times to correct this issue with cash app but never was successful and still did not recieve my {$800.00} for the unauthorized purchase. I suffer from XXXX and XXXX so it has been very difficult for me at time to get this resolved. I have send screenshots and bank statements that clearly showed the {$800.00} was taken out but never was add to my Online account. I don't know what I can do now to receive the money that I did not authorize to be refunded back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2023-11-10
Company: Maximus Education, LLC dba Aidvantage
State: NY
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:
I attended cXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX During that time I had XXXX and XXXX loans. Im consolidated them with XXXX XXXX sometime between XXXX. They were bought out by XXXX. From XXXX, I worked for several non profits. Unfortunately I didnt understand the PSLF process until it started getting a lot of press during XXXX XXXX XXXX. In XX/XX/2022 I applied and was approved after the required consolidation into an XXXX plan manage by XXXX. The rest of my loan, around {$3600.00} was forgiven. I made years of payments to XXXX over the required XXXX PSLF. And I made some payments during the pandemic which I wasnt required to. XXXX told me I would get a reimbursement check from the federal government but I havent. XXXX says they have no responsibility. XXXX says XXXX not eligible for reimbursement because i consolidated too late in the process of making XXXX payments. But part of the XXXX waiver program that ended in XX/XX/2022, was that you wouldnt be penalized for consolidating late, you would be eligible for XXXX even though you didnt have the right type of loan when you made your XXXX payments, youd have your balance forgiven if it was under a certain threshold, and youd get reimbursed your overpayments! So Im writing to you to request assistance in obtaining my reimbursement which is approximately XXXX years worth of payments. Thank you in advance for your assistance. I need to know what agency is supposed to reimburse me and assistance in advocating that I receive it. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The company, XXXX has sent back a response for a credit collection where both the amount of the collection and the company are not what is owed to the collector. The company, XXXX stated in a previously closed complaint that there was not specific enough of detailed information sent to them for the complaint to be processed. However, the specifications of the complaint are not missing any details. The collector is reporting through XXXX an attempt to collect an excess of {$3500.00} in cash for an apartment which was not occupied after a 10 day notice was given by the landlord for complaints made by other tenants regarding a dog. The apartment was immediately vacated and there were some belongings which were later removed by the end of the month. The month which this occurred in was XXXX of 2021 The dog and the occupant, the person who the complaint is now being submitted by and for is not the person who resided in the apartment after the notice was given by the landlord regarding complaints about a dog. There was no option to stay in the unit because of the nature of the complaints and harassment by the maintenance woman residing inside the same building as the tenant household and dog. The apartment could no longer be safely occupied. The leasing company, XXXX XXXX still sent the collection to XXXX regardless the apartment had been vacated. The amount exceeds any rental time of occupancy in the unit. There was also no clean running water in the unit past the month in question, XXXX of 2021. There were also several complaints regarding the police and the maintenance woman who blocked the sidewalk for the walkway to be used for entering or exiting the building. The management has since changed at the property in question. The collection is listed as XXXXXXXX XXXX XXXX XXXXXXXX and through a collection company the amount from XX/XX/2021.

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 2015-09-29
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar MortgageXXXX XXXX, Texas XXXX am writing because of the nightmare we have experienced since Nationstar purchased our mortgage from XXXX 's First 10 months ago. This will be my last attempt to resolve this before I file a lawsuit and register complaints with all of the relevant government agencies. 

We purchased the residence in XX/XX/XXXX and took out a mortgage with XXXX XXXX. We have never had a late payment and always maintained proper insurance. In XX/XX/XXXX our house was completely ruined by Hurricane XXXX. We requested permission and received it to knock down the house from XXXX 's XXXX. XX/XX/XXXX we knocked down the house, gave XXXX 's XXXX all required documents proving the house was gone and they gave us permission to cancel the flood and hazard insurance. 
Nationstar purchased our mortgage XX/XX/XXXX. After a few months, Nationstar asked why we did not have flood and hazard insurance. We explained and sent all the required documentation at least 3 times. XX/XX/XXXX, Nationstar put a charge in my escrow for {$2200.00} for purchasing flood insurance. We immediately called and called and after months of calling, they credited the {$2200.00}. 
We started building a new house in XXXX, XXXX and received the Certificate of Occupancy XX/XX/XXXX. As soon as we received the Certificate of Occupancy, we purchased Flood and Hazard Insurance paid both for a full year naming Nationstar as the Mortgage holder. Now XX/XX/XXXX, I see a new charge of {$2100.00} for Hazard Insurance. We again called and called, resent all of the same paperwork that we did in the previous months and the escrow department told us that they are sorry, the charge will be deleted. It was not deleted in XX/XX/XXXX, I called and they said it is OK, it is set for deletion. It was not deleted in XX/XX/XXXX, I called and called and when I got through, they said it was set for deletion. Now I received my XX/XX/XXXX escrow statement and not only was the charge not deleted, they estimated my XX/XX/XXXX insurance and the same rip-off rate that they are charging me through this company XXXX. Now due to the incompetence of the insurance and escrow departments, my mortgage is {$1600.00} per month when I was paying {$1000.00}. My new payment should be {$1000.00} plus insurance ( {$570.00} for floor and {$610.00} for hazard ) which is {$99.00} equals {$1000.00} plus taxes {$87.00} equals {$1100.00}. Very simple. 

My wife and I are exhausted dealing with this, I tried calling 3 times today and after waiting on the phone for a long time, I was suddenly disconnected. I would refinance with another company, but simply do n't have the time right now. I need Nationstar to remove the charges for the insurance, refund the escrow money and estimate my escrow correctly within 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2023-03-20
Company: EQUIFAX, INC.
State: AR
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 confidentiality under 15 U.S.C 1681 ARKANSAS CHILD SUPPORT XXXX 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. It also states a consumer reporting agency can not furnish an 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Unifin Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The primary statute in Illinois requiring licensing in the area of debt collection is the Illinois Collection Agency Act. ( 225 ILCS 425 et seq ). Under the Act, anyone acting as a collection agency must obtain a collection agency license. An entity is considered to be acting as a collection agency when, among other things, it engages in the collection of debts for others or buys accounts, bills or other indebtedness and engages in collecting the same ( 225 ILCS 425/3 ). Debt collection is defined as any act or practice in connection with only consumer debts 225 ILCS 425/2 ). Even out-of-state debt buyers must be licensed, if they buy and sue on consumer accounts in Illinois ( LVNV Funding , LLC v. Trice, 952 NE2d 1232 ( 2011 ) ). To obtain the collection agency license, a {$750.00} fee must accompany the application, along with a bond for {$25000.00}. The applicant must also provide an employment history, financial statement, employee identity listing and trust account financial report. Please provide the following : you signed the application the entity suing you purchased the right to collect on the debt the balance claimed as being due is calculated properly the loan has not been rendered unenforceable due to the expiration of the statute of limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
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 name is XXXX XXXX, I am the living man, XXXX, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails i am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy.

I did not give consent to these accounts.

I have remained humbled despite the stress, XXXX, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS :

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 2023-10-03
Company: EQUIFAX, INC.
State: NY
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:
Inquiries were not removed as requested and the company which pulled these inquiries can not verify or validate the inquiries as valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: M&T BANK CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have called multiple times and spoke with my moorage company XXXX Bank to verify if there were any leans, loans or forecloses attached to my property. In return they said there wasn't any of those things. There have been multiple phone calls from realters to finance agencies asking me if I wanted to sell my home or if I need help with paying my loan. According to XXXX XXXX M & T bank has listed my property up for XXXX sail on XX/XX/2023. My mortgage company is with XXXX Bank. M & T Bank has claimed XXXX lent entitlement to my property. I have made every payment on my loan from the first day I closed on my home. I need to report this because I have no loans or leans with M & T Bank.

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 2023-05-25
Company: KEYCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, I had IDES benefits sent to me through Key2Benefits/Keybank. They allowed online transfers. Now they don't for some reason. When I use the ATMs they only allow withdrawals of {$20.00}. I want my remaining money. It is {$17.00}. I call Keybanks customer service line and it hangs up on me. I called like 20 times. I tried to send them a message. It gives me an error. Please help me get the rest of my funds back. Them holding it is theft. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'd like the bureau to initiate an inquiry into the accounts where I've consistently been on time with payments, yet they inaccurately label me as late. I've diligently paid off these accounts every month, and it's unjust for them to report otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: EQUIFAX, INC.
State: NY
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:
The company, XXXX has sent back a response for a credit collection where both the amount of the collection and the company are not what is owed to the collector. The company, XXXX stated in a previously closed complaint that there was not specific enough of detailed information sent to them for the complaint to be processed. However, the specifications of the complaint are not missing any details. The collector is reporting through XXXX an attempt to collect an excess of {$3500.00} in cash for an apartment which was not occupied after a 10 day notice was given by the landlord for complaints made by other tenants regarding a dog. The apartment was immediately vacated and there were some belongings which were later removed by the end of the month. The month which this occurred in was XXXX of 2021 The dog and the occupant, the person who the complaint is now being submitted by and for is not the person who resided in the apartment after the notice was given by the landlord regarding complaints about a dog. There was no option to stay in the unit because of the nature of the complaints and harassment by the maintenance woman residing inside the same building as the tenant household and dog. The apartment could no longer be safely occupied. The leasing company, XXXX XXXX still sent the collection to XXXX regardless the apartment had been vacated. The amount exceeds any rental time of occupancy in the unit. There was also no clean running water in the unit past the month in question, XXXX of 2021. There were also several complaints regarding the police and the maintenance woman who blocked the sidewalk for the walkway to be used for entering or exiting the building. The management has since changed at the property in question. The collection is listed as XXXXXXXX XXXX XXXX XXXXXXXX and through a collection company the amount from XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: NJ
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and correct : 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