BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My information was sold and brought illegally because I was a victim of the Equifax data breech ... I want all items deleted from my credit report effective immediately..I am attaching proof that Equifax admitted that I was in fact a victim of this data breach and Equifax has done nothing.Please help me delete the illegal accounts from my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Because I was never given written notice of any late payments, this lender is in direct violation of the Fair Credit Reporting Act.No messages.No letters.Additionally, I am aware that the Initial Disclosures can not serve as appropriate notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: AMERIS BANCORP
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My summer home was sold on XX/XX/XXXX. Ameris Bank held the mortgage, and also collected escrow. They state that they paid my property taxes and withheld funds for my homeowners renewal that was not due until the end of XX/XX/XXXX. I cancelled the homeowners XX/XX/XXXX and there was a refund from my homeowners in the amount of {$360.00} paid to them. There was no reason to hold funds for a renewal policy since the home was sold. My property taxes for the county were paid by the closing attorney in the amount of {$3300.00}, and definitely not Ameris Bank. They have now owed me {$4400.00} for over 90 days. This has certainly negatively impacted my wife and I because we are in our XXXX and on a fixed income. We have documentation for all items, and respectfully request your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-08
Company: Block, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2023 I rec 'd a telephone call from a person identifying himself as a representative of CASH APP he stated that my account was hacked and he would help me get my money back By following his instruction he was able to convince that what I was doing would get my money didnt make sense I hung up I called my bank I called cashApp but both entities said I had no recourse and my money was gone I cancelled my debit card and no longer use the Cash app but I am out XXXX I AM A SENIOR CITZEN ON A FIXED IINCOME This loss is a hardship to be sure What can I do now to get my money back I am at a loss Please help me Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: AES/PHEAA
State: NV
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 requested to have my IDR monthly payment recalculated due to a change in income from the COVID 19 crisis. I requested this on XX/XX/XXXX. On XX/XX/XXXX, I received a letter that my loan servicer put my account in forbearance. I did not request forbearance. They stated that anytime an application is put in, they put an account on forbearance. I have never seen this information written in any place and this was not the information that was given to me over the phone. It states that I will continue making my monthly payments until it is recalculated. As a result, my loan servicer is now telling me that all the unpaid interest on my account will be capitalized when they take me off the forbearance that I NEVER requested. Even though Trump has implemented no interest accrual on forbearance during this time, apparently, since I requested my payment to be recalculated instead of requesting emergency forbearance, now this doesn't apply to me and my interest will be capitalized. Their IDR office is not even open to recalculate payments. This is not my problem and I should not be punished by having my interest capitalized because Fed Loan Servicing can't properly handle their application. Fed Loan Servicing is fraudulent in how they handle loan repayment and will do whatever they can to find ways to capitalize the interest on your account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-25
Company: SUNRISE CREDIT SERVICES, INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I ask them to send me proof of the bill they say I owe them. I have also told them that due to the coronavirus I am out of work. They call all day every two hours and when I ask to speak to a supervisor they hang up on me. They are rude dont answer any questions.

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 2021-02-09
Company: AmeriHome Mortgage Company, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Amerihome has a new website : During website account registration, and each and every time we log in, we are forced to agree to AmeriHome / XXXX XXXX Terms and Conditions and Privacy policy We do not want our information sold or shared with non-essential affiliates or marketing companies. However, our attempts to contact AmeriHome for clarification by - calling " customer support '' ( XX/XX/21 for over an hour ) - XXXX - email - XXXX ( XX/XX//21 ) - send an online form with our question per their " IT '' person 's request after calling AmeriHome 's customer support number again - XXXX XXXX Incident : XXXX ( XX/XX//21 ) are confusing or ignored, by either AmeriHome 's customer service line, their IT Dept, and XXXX. 

Called today ( XX/XX//21 ) to confirm that we are opted OUT of AmeriHome / XXXX XXXX marketing / sharing or selling of our loan or PII data after logging into their website today and having to agree, yet again, to their Terms and Conditions and so-called Privacy Policy, yet could not get a clear answer. When asked by customer service if we opted in, in fact, Yes, we have opted in because FORCED to agree to AmeriHome / XXXX XXXX Terms and Conditions and Privacy Policy in order to look at this website to review our current 's month 's loan activity and e-document messages. 

We are finding AmeriHome 's lack of clarity, conflicting information, and our inability to ask for and remain opted-OUT very shady. Is this not a banking / mortgage institution, or in fact, a free-for-all shady data sharing company? AmeriHome customer service does not appear to be aware of their own IT Dept 's, XXXX, data sharing activities, or if they are, they are hiding behind their vendor 's activities : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-03-08
Company: PORTFOLIO RECOVERY ASSOCIATES 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 status incorrect

Complaint:
I had a debt that was purchased by portfolio recovery. I made payment arrangements and paid in full and portfolio recovery sent me a paid in full notice showing balance XXXX but it is still showing the full amount on my credit report. I have disputed it with all credit bureaus but they are not removing it. Or showing the XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
State: MO
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:
I suspect that a debt collector has intentionally re-aged my debt. This is a XXXX XXXX XXXX debt, from XXXX, that was closed and written off by the original company. Following this, it was deleted off all my credit reports. Now, years later it has popped back up and with a date of origin in XXXX. This is not remotely accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
State: MN
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 bureaus 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 are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MN XXXX ; XXXXXXXX XXXX XXXX XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX XXXXXXXX Balance : {$40.00} ; XXXX XXXXXXXX Balance : {$96.00} ; XXXX XXXXXXXX Balance : {$110.00} ; XXXX XXXXXXXX Balance : {$10.00} ; XXXX XXXXXXXX Balance : {$75.00} ; XXXX XXXXXXXX Balance : {$21.00} ; XXXX XXXXXXXX Balance : {$80.00} ; XXXX XXXXXXXX Balance : {$210.00} ; XXXX XXXXXXXX Balance : {$31.00} ; XXXX XXXXXXXX Balance : {$310.00} ; XXXX XXXXXXXX Balance : {$28.00} ; XXXX XXXXXXXX Balance : {$570.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XX/XX/XXXX US Bank account had XXXX cents and no overdraft. US Bank paid a XXXX bill that was {$95.00} dollars reoccurring debt card payment hand't been cancelled. When I spoke to the bank sometime soon after they said " US Bank decided to pay the bill ''. A new account was opened. US Bank sent the overdrawn account to XXXX XXXX. Fast forward to XX/XX/XXXX, I decided to leave US Bank and tried to open an account with a credit union only to be told that I could not do so due to check systems. US Bank is still my bank and they seem to be clueless on rectifying the matter.

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 2018-02-20
Company: CIT BANK, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Financial Freedom, a branch of XXXX XXXX, in XXXX, Texas paid the real estate taxes for the last part of XX/XX/XXXX and most of XX/XX/XXXX ... as is their right ... on our reverse mortgage. We got no notification that Financial Freedom had paid the real estate taxes until we got a call on XX/XX/XXXX, followed by a letter on XX/XX/XXXX demanding the {$4600.00} by the end of the month or the company would start foreclosure proceedings. I tried to make a repayment schedule, but the bank used the excuse that we spent about {$120.00} more than my wife and I received from SSI ... approximately {$1900.00} and my " XXXX '' retirement fund of {$110.00} per month. 
Although we offered to send Financial Freedom {$500.00} per month, our offer was refused out of hand. This seems to be a case of " get rid of the reverse mortgage completely '' or a predatory practice. We are still willing to repay them {$500.00} per month, and we told them so, again by phone, but they still refused. I don't know where Financial Freedom got its financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Subject : Dispute of Inaccurate Information and Unlawful Actions by XXXX XXXX  XX/XX/XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX  regarding their persistent reporting of inaccurate information on my credit report and illegal activity with my XXXX XXXX  account # XXXX. Despite having previously disputed these inaccuracies with XXXX XXXX  directly, as acknowledged in their email dated XX/XX/XXXX, the errors persist, and the bank has engaged in additional unlawful activities. 

On reviewing my account statements for XXXX and XX/XX/XXXX, I discovered that XXXX XXXX  has erased these statements from my account, a clear violation of my rights and illegal under the Fair Credit Reporting Act ( FCRA ). This obstructs my ability to monitor my financial transactions and is unacceptable. 

Moreover, XXXX XXXX  is reporting a XXXX missed payment in XXXX and a XXXX missed payment in XXXX, both of which are inaccuracies. I have evidence of a payment of {$2100.00} made in XXXX and {$370.00} made in XXXX. It is clear that XXXX XXXX  has failed to update their records accurately and is misrepresenting my payment history. 

Furthermore, XXXX XXXX  erroneously charged off my account in XX/XX/XXXX, even though payments were being made. According to the law, a charge-off can only occur after XXXX days of non-payment. XXXX XXXX XXXX premature charge-off is not only a violation of my rights but also indicative of their disregard for legal and ethical standards. 

In light of these egregious actions, I am including evidence of these illegal transactions and demand compensation of {$1000.00} for each illegal transaction committed. I also insist that XXXX XXXX  rectify the inaccurate reporting on my credit report, updating the account to " paid as agreed in full with no late payments. '' If XXXX XXXX  is unable to correct this information, I request the immediate removal of the account from my credit report. 

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action against XXXX XXXX  for their violations. I appreciate your prompt attention to this issue and look forward to a resolution that upholds consumer rights. 

Sincerely, 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 2023-12-01
Company: EQUIFAX, INC.
State: PA
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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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: 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 confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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
Consumer complaint received 2022-04-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I tried to pay the account in full by cashiers check XXXX thru XXXX, however they returned my check because USAA alleged says they only accept checks from members in the XXXX states. They dont accept checks in Alaska XXXX Hawaii XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00}. I have been subjected to interest and having to write on the back on the check not for its intended purpose. I have paid the account off in full. I am asking usaa for the interest return due to 3rd party agents always giving wrong information they do not represent USAA adequately. Every time I call I get wrong info.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-20
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
Hi, I purchased a product online from an auto part dealer in XXXX. I sent XXXX USD to a XXXX XXXX working for the XXXX XXXX company through paypal. I received the product in XX/XX/XXXX and the product was not at all what was advertised. I was supposed to be receiving a carbon fiber rear view mirror for a XXXX XXXX however the company sent me this plastic mirror cover that was cheap and misleading. I was expecting to receive the whole carbon fiber mirror as it costed over {$80.00} and the company advertised it as a mirror even had a picture of the mirror as the advertisement. Anyways, I tried to come to an agreement with the seller and they would not respond when I asked for a refund with product return. So, I reported the seller to paypal and sent them additional supporting documents of my case and proof that this company is frauding consumers. Paypal ended up closing my case because they said I did not respond in time, which I did. I think it it ridiculous that they are letting this seller get away with fraud when they apparently are so addament about it. I just want my money refunded as it is the ethical thing for the company to do.

Company response to consumer: Closed with monetary relief