BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-13
Company: Block, Inc.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had lost a card ( last four numbers : XXXX ) i had gotten from Cashapp, canceled the card after reporting it stolen/lost, and a few days later i noticed the card being declined for XXXX, XXXX, XXXX and XXXX. I called and complained, Cashapp told me to contact XXXX and the other companies, so i did. Well a couple months later i see it still being used to try and order stuff from these same companies. I contacted Cashapp, they told me they could do nothing for me because the card was canceled and replaced. So i canceled and ordered another card. Each replacement card has a different card number as well. Now its another couple months and the first card that had lost, IS STILL BEING USED TO TRY AND ORDER THINGS. I have screenshots of the card being used and the transactions. I want to know why a card that the company told me was canceled, is still associated with my account and being used by the same person with the same companies. Its absurd ive contacted them 3 times in a 4 month span and nothing has happened and Cashapp is perfectly happy with letting my account be compromised and someone take my hard earned money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax online service is not working. 

Equifax is not answering the telephones. I have been on hold for 2 hours today. 

Equifax is not responding to a fax request to temporarily lift a credit freeze so I may refinance my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Aargon Agency, Inc.
State: HI
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 disputed these medical collections account with all 3 credit bureaus, XXXX, XXXX and XXXX, after their investigation XXXX and XXXX deleted this account and found that it wasn't verifiable account # XXXX from Company Aargon Collection Agency XXXX but XXXX found it to be verified and other lies the problem, how did XXXX verify this account without breaking the HIPPA law and my rights, I demand another investigation on what methods and documents and person did Aargon Collection Agency use to verify this account, and if they violated my HIPPA rights to obtain my medical records without my written consent and prove that this account belongs to me, and all balances, dates, are 100 % correct and my name and address and phone number XXXX is correct according to the Identification documents I attached to this complaint or I will take legal action against all parties involved, Thank you for your time.

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 2018-09-01
Company: PNC Bank N.A.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Last fall I obtained an auto loan. To reduce the amount of interest charged for the loan, I agreed to allow the lender to automatically take the monthly auto loan payment from my checking account. 
Many months later I logged into the bank 's website to review my accounts. I accessed the auto loan account and clicked on the Payment Details tab. The Payment Details tab displayed column headings of Date, Principal, Interest, Late Fees, Other Fees, and Totals. 
Only a couple of months of payment history details were displayed and the value displayed in the Date column wasn't accurate. It displayed the 4th day of the month even when payment was made on the 5th day of that month. 
I also saw that the interest charged in a later month was HIGHER than the interest charged in the previous month. There were no online statements -- just a couple rows of history -- so I called the bank 's customer support phone number. 

The representative did SOMETHING that allowed me to see several more rows of payment history data. 
When I saw more rows of a higher interest amount, I was really confused. 
I expected the Interest amount to be less each month because the balance the interest is calculated on is decreased with each payment made. 

The customer support representative submitted a research request and later I was called back and told me the Interest was higher in the later month because of the number of days in that particular month. 

I am unable to determine whether what the representative told me is correct or not. 
I can see only the current loan balance. I can't tell what the loan balance was for prior months. 

I tried several internet auto loan calculators and none of them had the same values I saw displayed for my loan, including what the monthly payment amount would be the amount I borrowed at the interest rate I thought I had. I thought I had a 60 month loan -- but maybe I really have a 59 month loan -- not sure? 

I am so confused on what reality actually is. And also afraid to make extra payments since I won't be able to tell how/if the amount is credited to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
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:
XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00}, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$50.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00}, XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$250.00}, XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-03-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My father, XXXX XXXX, ( over whose finance I have power of attorney ) has a Flexible Premium annuity that he opened years ago with USAA. Policy number # XXXX. My father called and asked what the taxable liability was on the policy in XXXX and was told roughy XXXX was the taxable liability. The interest on the account was taxable. I asked USAA to transfer XXXX from this annuity to his checking account. USAA never did this even after after my father and I both reached out to them several times. At the end of XXXX ( XX/XX/XXXX ), I sent a transfer of ownership request via US mail to USAA which was received by them on XX/XX/XXXX. In XXXX, my father called USAA to inquire why the transfer was not made and was told they were too busy to process the transfer and it would be done soon. Called again in late XXXX, and was told again it was in process. In late XXXX, I received a 1099 form showing a withdrawal of XXXX. I called USAA to inquire why I received this when the money should have been taken out of taxable interest, not principal. USAA responded it was taken out of principal accidentally. USAA now maintains that there is a major ax liability on this policy. The XXXX was taken out of principal not interest mistakenly. My father has called many times and has not been allowed to speak with a supervisor. They will not discuss the matter with me and they have held me on the phone for 30 to 45 minutes while my case was discussed. They still have not transferred ownership to me ( his daughter ) nor they have clarified why they applied the withdrawal to principal rather than interest. They claim they have conducted 3 audits and have offered no explanation. Their attitude has been adversarial. While they claimed to have fixed the mistake there are two secondary effects of this. First, my father wanted to transfer this money to me in Florida where the income tax is lower, so he is now left with a larger tax liability since he has moved to New Jersey. Second, my father has spent countless days and a lot of worry trying to get USAA to fix this problem with zero help. He feels emotionally drained and cheated when this is a company that is supposed to be helping veterans like him. Never once has USAA apologized. Please help me help my father hold USAA accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
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: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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

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 2020-03-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is our third complaint against this company SPS. We secured an FHA mortgage from XXXX in XXXX. The company states that it is not now, nor was it ever an FHA Mortgage although all of the existing information including the original foreclosure documents state FHA. This information was filed by their original lawyer. Please request documents and I can forward to you because it has our personal information and the address. The documents filed by their Attorney and filed by certification for their attorney States that they are Attorney for the Plaintiff and further certifies that in said matter that the premises are not subject to Act 91 because it is, and there are 4 choices an FHA Mortgage, Non owner occupied, vacant, Act 91procedures have been fulfilled. The Lawyer clearly checked FHA Mortgage. It further states that this certification is made subject to the penalties of 18 PS C.S.  Section 4904relating to unsworn falsification to authorities. signed on the XXXX of XX/XX/XXXX. We submitted further evidence of HUD Form 9539 Request for Occupied Conveyance which was sent to our home and was dated for XX/XX/XXXX. This conveyance listed our property address with the FHA/HUD Case Number and goes on to explain that the House was in Foreclosure and would be transferred to XXXX XXXX but before XXXX XXXX conveys property back to HUD that the occupants would be able to reside in the property and we just needed to send all of our information to the lawyer and further listed HUD 's occupied conveyance procedures Even with all this as evidence, the lawyer continued to deny that the Mortgage was HUD. On the last complaint we requested a Qualified Written Complaint to identify where all the fees were coming from but SPS never sent that. In addition, prior to SPS serving our loan we were approved for a Modification from XXXX which was not honored when the Serving went to SPS. Under SPS we were consistently denied a modification and once we received our last documents with the assistance of our lawyer they continued to deny us. Under the current modification agreement, their current lawyer tells us that we are not allowed to negotiate and SPS refuses to answer the questions we posed to them about the modification. Even our Housing Counselor could not get answers to where the fees were coming from and what type of modification we obtained. They further sent information about them having followed procedures to continue to foreclose if we did not sign and return documents that we don't understand. We are happy to obtain a modification. It for 15 years but at the end we will still owe {$170000.00} balloon payment after paying XXXX and the house only cost XXXX and when we stopped paying we only had XXXX left. Please help us get some answers so that we are not bullied by this lawyer or SPS.

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 2023-06-26
Company: EQUIFAX, INC.
State: FL
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 
Sometimes they do not response at all, sometimes they send letters saying it isnt me and they have not fixed any errors on my credit report. 
I even hired a company to help me and they still ignored all communication. 
I am tired of this I have been trying to rectify these errors for almost a year now. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this. This is why I need your help. I was told your agency can assist. If the law is correct, the credit bureaus are reporting incorrect information, not verifying the information is accurate and not completing investigations at all, never the less in 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-30
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have contacted PenFed several times due to issues with my account e.g.Complaint ID : XXXX and Complaint ID Number XXXX, FTC # XXXX ... I mailed Pentagon Federal Credit Union, XXXX XXXX XXXX, XXXX, NE XXXX, and called XXXX and emailed XXXX requesting for my account to be dissolved in case of XXXX  XXXX and accounts removed from my report. PenFed did not provide a decision/ response to my request for debt forgiveness due to 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 2023-04-23
Company: MOHELA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I reached out on my own accord in XXXX about my loan status on Mohelas website showing it is in deferment. They reached back out and confirmed this shouldnt be the case, and that my enrollment status doesnt end until XX/XX/2024. 

Around a month later in late XXXX, I receive numerous alerts from my credit monitoring that my score has dropped 100 points due to Mohela reporting to my credit that they could not reach the consumer. I have received zero calls, and zero emails from Mohela. On the contrary, I reached out to them first in XXXX. 

I am still enrolled full-time at XXXX, so reaching me should not be an issue being that I am still in school and loans do not enter repayment until next year when I graduate. Mohela had all of my information to reach out, but I have no history of attempts. I am looking to graduate early this spring and will need to find an apartment to rent. Now my credit score has dropped so low due to this false remark, I may not get accepted anywhere. This is truly a burden and a malicious practice done to me. Please advise, thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-30
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to a new company starting in XX/XX/XXXX. The new company has a negative escrow balance on my account for an alleged property tax payment made by my previous mortgage company. The amount of the balance owed is {$610.00}. I submitted proof of payments by me to the county showing all of my XXXX property tax payments were made. I also checked my county record to determine if there is an overpayment. No record of overpayment is listed. I submitted this proof in writing to my current mortgage company for my escrow account to be correctly adjusted. They have declined to correct it and state it was paid they have not shown me proof of their payment, nor have they called or spoke to me. I have tried to call them 3 times in the 6 weeks I spent to correct this, and was always promised a call back. Instead i received written letters stating they are reviewing my case. The company needs to be held responsible for trying to over charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 USC 1681. 

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  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.

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