BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-08
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A mortgage in the name of my husband with XXXX XXXX   and a mortgage in my name with XXXX were recently transferred to LoanCare LLC. 

I am writing to request strongly that they be investigated, and severely penalized, for their processes - they have customer financial information but their systems have no capability to handle it. I am extremely concerned that our information can very easily be acquired for fraudulent purposes. 

When they imported my husband 's mortgage information, they did it incorrectly. Our unit number is missing from our address on their records to this day. I literally spent on the phone with them initially to try to get it corrected. No one there knows who does what and they bounced me around from one person to another. They finally told me to send an email to their customer service address, which my husband did on XX/XX/2019, while signed into his account. We saw an acknowledgement on the screen saying the email had been received. However, no copy was sent to the registered email address on the account. 3 months later, that address has still not been corrected. 

My mortgage was transferred to them effective XX/XX/XXXX. It is now nearly XXXX and I still am unable to create an account online on their site. They have sent me multiple emails to reset the password, but none of them worked. I asked their customer service representative on the phone for help - it still didn't work. 

Please, please, this company needs to be shut down. They have no legitimate qualification to be in financial services. They are a bad nightmare to deal with, obviously staffed and managed by blithering XXXX  and a huge risk to the people whose financial information they now hold.

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 2023-08-14
Company: MOHELA
State: NJ
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:
After XXXX XXXX in XXXX, I've been handling my student loans for years. I've gone from XXXX XXXX to XXXX to XXXX and now Mohela. Currently, after transferring my loans to Mohela in XX/XX/XXXX, they have seemingly gone crazy with my balance. It took about 8 weeks after consolidating my loans to them to see any balance ( {$29000.00} ). And that balance is where it stay for about 7 months. As someone who has a fear of debts, I had been checking my balance between once a week and once a day since I got them, and on XX/XX/XXXX, I login to a change in balance. The balance went to XXXX. I have a capture of my account on XX/XX/XXXX, showing a XXXX balance as well as their trademark " Your account is in good standing. '' This, with a simple search on some forums, is what they always show to be when you owe them no money. After a conversation later that day with Mohela, they didn't honestly explain what happened to my account, besides the word " reracking '' my loan. They didn't actually explain what that was, but by XX/XX/XXXX, the balance had returned. After that, I started checking the balance of my account daily. It stayed where it was until suddenly it shifted to {$53000.00}. I have issue with this, as my repayment plan is based around the amount of {$29000.00}, and if the balance is suddenly over $ XXXX, then I'm not sure how this will affect actually paying off my loans. Additionally, I'm not sure I trust them to be truthful with my balance, if I were to pay the loan off, as I've been doing in the past. Attempts to contact the company have gotten me put into one of two situations, where either ( a ) I get stuck in a loop pressing buttons and having to start over or ( b ) thinking I'm going to get ahold of someone only to be hung up on. I've not been able to get anyone on the phone since XXXX, and I'm genuinely worried they'll continue abusing me, as withholding the amount I may have owed has already messed with things, as being under no specialized payment plan, a XXXX XXXX  loan would not be able to beat interest by having {$220.00} payments, never mind be paid off in 20 years as it claims in supporting documents. Also, I'm incapable of actually giving them money right now, as it say I have {$0.00} due. Please advise and help any way you can. 

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 2021-05-17
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had entered into a payment plan with Citi ( Costco card ) last XX/XX/2020. The monthly payment I needed to make on the XXXX of each month was {$350.00} starting with the month of XX/XX/2020. 
However, after auditing my payments history recently since XXXX I noticed Citi has tricked me into making double payments each of the last 5 months. 
For example, in XXXX I was supposed to pay {$350.00} but Citi withdrew {$770.00} from my bank. In XXXX, City withdrew {$710.00} instead of {$350.00}, same as in XXXX, XXXX, and XXXX. Therefore for the past 5 months I was supposed to pay {$350.00} x 5 = {$1700.00} However, during the same five months period Citi withdrew from my bank : {$3600.00}, which is {$1800.00} extra. 
I contacted Citi ( Client Resolution Team ) in early XXXX to rectify this payment issue, but I haven't gotten a reply.

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 2023-11-16
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I signed up with the company Square XXXX  for my existing business. I processed a transaction for a customer and sent her a receipt from the app. After I confirmed the payment and initiated a transfer of the funds to my banking ; I began the job and purchased the materials. XXXX days later I received a notification for square up saying they needed more information about me and the transaction ( my passport, the customers info invoices, bank statements, etc ) a total of XXXX items. The next they were not satisfied and wanted more clarification which I did. I told them the customer is XXXX XXXX XXXX and doesnt have an email I can only give her phone number and address and they can reach out to her. The next day I received a notification that without an explanation or any way to dispute or contact the company they are withholding my funds for XXXX days. I looked up the contact number it shows on the website and the number hung up on me after XXXX attempts. I then downloaded a voip app so it could call from a different number and got through to someone on the sales team who said she would transfer me over to support. I spoke to someone and explained then he said he would need to transfer me to a supervisor. After explain to the supervisor he asked did you receive the email saying your account is suspended i said yes thats why Im calling. Then he said I must disengage from call you have to email then hung up. The email that it is sent from is a do not reply email. There is NO way to get ahold of some one and they can just keep my money. I am out {$3000.00} for paying for the customers materials and paying the subcontractors and the customers work is almost done. I read online that this company has done this to many contractors and they withhold their money and possibly profit off it buy keeping in their own company high yield savings. Something needs to be done about them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The following company had a mortgage on my home PNMAC XXXX I have the following late payment dates on my report : XXXX, XXXX, this was supposed to be under forbearance due to Coronavirus. I have health issues that prevented me from working as I would be considered very high risk. I called them and they could not help me. 

I can prove if need to be the health issues Had and still have as I'm fighting through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently viewed my consumer reports and noticed some unauthorized credit reporting. 
XXXX reported late payments on my consumer reports in XXXX, XXXX, XXXX, and XXXX of 2019. 

I never gave XXXX written permission to share my transactional history with any third parties including consumer reporting agencies. I was not given the option to opt out of any reporting to any third-party entities. 

This company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( b ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term, consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) Report containing information solely on transactions or experiences between the consumer and the person making the report ; The company also violated 18 USC 1028A- aggravated identity theft because I never gave permission to share any information with a third party.

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 2023-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 XXXX XXXX XXXX XXXX XXXX ca XXXX Attn : Capital One XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX To whom it may concern : In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 under section 602 states I have the right to privacy, 15 usc 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions and lastly under 15 usc 1666b a creditor my not treat a payment on a credit card account under an open end consumer credit as late for any purpose. Because Capital one account number ending in XXXX Has violated my right with the fair credit report act Im looking for my late payment history to be deleted, which includes the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and lastly XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOAN -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: Waypoint Resource Group, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Waypoint Resource Group. With an account number of XXXX. After speaking to their rep who was forceful I have verified that this account does not match my SS #. Although the name and address are the same it does not align with the most important piece to verify identity. In their letter they threaten to put this collection of XXXX on my credit report. I have advised them to cease and desist with all communication and collection attempts. I have also called XXXX and referenced their acct # XXXX and they are advising me that this account is closed and they can not even verify what services were under this account. Sounds very fishy to me. I am not liking that a collection company contacts me tries to collect a debt that is apparently not mine. I do not have an agreement or contract with Waypoint Resource Group and owe them nothing. Their idle threat of putting this on my credit report in 30 days is a straight and blatant violation of the FDCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Letter sent to XXXX in regard to account name : ( XXXX XXXX XXXX ) Account number:XXXX 

XX/XX/XXXX " XXXX '' Re : Social Security # : XXXX To whom it may concern : This letter I being sent to you in response to your recent letter.

This is not a refusal to pay, but a notice that your claim is disputed.

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt.

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALITIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC.13407 ( 1 ) BREACH OF SECURITY.

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record acquisition of such information without the authorization of the individual.

Please note the enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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 2023-03-29
Company: EQUIFAX, INC.
State: MI
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:
I am contacting you because XXXX, Equifax, and XXXX claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below as reporting 100 % accurate. However, these accounts are STILL reporting inaccurately and these COMPANIES is still continuing to report errors on my credit file, which is causing damage to my credit file! Equifax, XXXX, XXXX advised me that they verified XXXX  XXXX Bankruptcy, using my XXXX XXXX  Public records! XXXX XXXX did advise that they are not reporting this information. So how is these companies verifying these accounts? They are VIOLATING all of my rights according to 15 U.S.C 1681 section 604 A I have the right to privacy! 15 U.S.C 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 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.

I have previously requested that you investigate this information and you have FAILED to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-02-23
Company: EQUIFAX, INC.
State: UT
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:
Equifax and CFPB are ignoring ( attached ) is a letter from XXXX XXXX setting forth they pulled my credit in error. 
Step One, Equifax tells me to contact XXXX XXXX if I believe my credit was pulled in error. 
Step Two, I contact Equifax advising I have contacted XXXX XXXX. Equifax responses if there was a mistake XXXX XXXX would send me a letter. I advise I have such a letter from XXXX XXXX. Equifax asked to send them XXXX XXXX 's letter. 
Third, Equifax ( upon receipt of the creditor 's letter ) circles back to Step One and asked me to contact XXXX XXXX if I believe the creditor pulled my credit in error. 
I contacted the CFPB ( Case XXXX-XXXX  ). I attached Equifax 's letter and XXXX XXXX 's letter. Equifax circles back to Step One and replies to contact XXXX XXXX if I believe the inquiry was in error. 
CFPB closed the prior case as if somehow Equifax 's circular responses ( to contact XXXX XXXX ) makes sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking 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 XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX , FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$140.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/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 2019-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
In XXXX of this year, I tried to make a loan to pay XXXX school and was not approved because of too many late payments and accounts that still open. One telephone company is repeated 3 times when I just had one phone account and is supposed to be closed since XX/XX/2014. Another issue was that I was in a payment agreement with XXXX XXXX and they never told me that the account was going to be reflected as late payments. Every month I made the agree payment to 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