BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I DO NOT ACKNOWLEDGE THESE INQUIRIES XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX  XXXX Balance XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance XXXXXXXX XXXX XXXX XXXX XXXX Balance 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 2023-07-09
Company: Rosebud Economic Development Corporation
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was approved for a loan of {$750.00}. I received an email about my loan and was told I would pay {$120.00} every payday. After my first payment of {$120.00} I was charged {$220.00} and have been paying {$220.00} every payday since then. If I wouldve known Id be paying that much each payday I wouldnt have agreed to the loan. Im paying close to {$460.00} a month and I cant afford to pay that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: NY
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 XXXX  Accounts " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US BUS ADMIN ODA , 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: FinCo Services Inc DBA Current
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
When opening the account, I was promised {$50.00} and 4 % APY savings. After transferring over {$1000.00} into the savings account, within three days, the APY was dropped to a mere 0.25 % APY. Nowhere in the emails received on setting up the account does it say a direct deposit was required for the 4 % APY. However, I received a direct deposit of over {$400.00}, but still, the APY was not reverted to 4 % nor did I receive the {$50.00} bonus payment. I contacted their customer support who continually treated me disrespectfully, and refused to listen to what I was trying to tell him. The entire thing seems like a scam, bait and switch advertising, but I can promise I will end up taking my business elsewhere as soon as I receive what I was promised.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted the school year of 2021 and the bank lenders explained to both my issue. The school I have contacted over the phone telling them its on a report stating the student loan money was not refunded back to the lender I did not earn my license. The school gave me the run around and says it's nothing they can do. Next step I contacted the lender over phone and explained the issue with my school and never receive my license and the money was suppose to be send back to the lender which was not, I asked what can be done I got the same response from the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: OneMain Finance Corporation
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I happened to look over my credit report, and received a report from each credit bureaus stating I owe One Main Financial services. Acct # XXXX. It states the account was charge off, but I never received a 1099c from One Main Financial services. I been trying to get a 1099c from them to insure the account they accusing me of is charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX, XXXX On XXXX XXXX, XXXX, I received a response from NationStar Mortgage XXXX XXXX XXXX # XXXX. After further review with XXXX XXXX, we were advised that the account was settled in full on XXXX XXXX, XXXX, and that the credit report will be updated in XXXX XXXX. 

Upon information and belief, this meant the account would reflect account settled in full. The account today XXXX/XXXX/XXXX reads settled in full for less than the total balance. 

This is the second time I was advised the account would report to the credit bureau as settled in full. The first time was on XXXX/XXXX/XXXX XXXX XXXX  writes These payments will be posted to your account and will be accepted on the above balance as settled in full, with no future liability to you once completed. '' See enclosed document. 

The words used XXXX XXXX in their documents difficult for some consumers like me to understand. For example, the word settled for me mean the account is to be settled in full. with no future liability to you once completed said that paying a settlement amount would have no adverse effect on ones credit history. 

I was misled to believe having a settlement would have no adverse effect on my credit. It is important to note from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX I made payments every month. 
The simple words settled in full and the words added to the end of the sentence for less than the full balance '' to be a ray of sunshine for most consumers. 

Most consumers this would be followed by a conversation with XXXX what those words meant and allow for the consumer to make an informed decision as to how to proceed most welcoming. 

XXXX written words need to be explicit. The words " for less than the full balance in all necessary documents. The cost to the consumer for XXXX XXXX not to be forthcoming to be a seven-year- thunderstorm over the consumers head painfully. I would like XXXX XXXX Nationstar Mr. Cooper to update my credit as agreed on XXXX XXXX, XXXX, letter to say the account was settled in full. 
Kindest Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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. This creditor has violated my rights under 15 USC 1681 sections 602, which states i have a right to privacy.15 USC 1681 section 604a section 2 it also states that consumer reporting agencies can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Several years ago I took back my maiden name of XXXX XXXX. I went to the bank with my court documents and a new card was sent to me with the correct name. The statements still had my former name of XXXX XXXX. I called, I was told to go to a branch. I went, it still was the same. This was not the biggest deal to me, but a year later, I did need a valid bank statement, so I called again, I was again directed to a branch. I went in. I was told it was then fixed. Last week I found out I was DENIED my PPP loan for my business because my bank statement was incorrect. I am now marked as a fraud risk. I called and BEGGED for someone to fix it. A woman who finally seemed to care told me that the department that needed to fix it was closed for the night, but it would be done the next day. It is STILL not done. I have gone in several times and the statements I need from last year STILL all say XXXX XXXX. I do not feel anyone has done anything and now there are no funds left for the PPP. I am beyond upset. I do not know why in this time of bank security my name would not be REQUIRED to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XXXX my Bank account was hacked. {$4000.00} is missing. I've filed claims as well as talked to 10 people from the company and nothing was done they claim no error occured and refuse to do anything more to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: U.S. BANCORP
State: VA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
On XX/XX/, I went through the ATM at my personal bank to withdraw funds from my checking account using my debit card for unemployment income. My ATM gave me a receipt showing the amount ( {$500.00} ) I wanted to withdraw and showed my balance with that amount deducted, but I received no cash ; the ATM did not disburse my money to me. I spoke with the Bank ATM clerk, and went inside the bank to inquire how to get my money. I was told I needed to contact US Bank ( on whom the card is drawn ), so I called 5 times before getting to speak with a person. I was told that I needed to wait 10 business days to get any resolution ; the situation would be referred to the ( investigation dept? ) for review. I was extremely livid that I could not receive my money right away. I was also told that I would receive communications through the mail ; I have not yet received any type of communications. I believe that my 10 days are up Tuesday, XX/XX/XXXX, at which time, I plan on following up with US Bank to find out if they have resolved their issue. I am being patient as possible at this point. 
In addition to this issue, I feel I being charged overtly incorrectly for the use of my card. Each time I withdraw funds at my personal ATM I am being charged {$5.00}, but I also am seeing I am being charged {$1.00} in addition. I do not understand this and I was not provided sufficient explanation for that. 
I had initially requested having my unemployment funds direct deposited into my personal checking account, but was told that was not possible due to my living in VA am out of that network. I feel that this also is unfair ; it is not my fault that I had to move to VA to be closer to my family, yes it was a choice, but a necessary one. 
Therefore, I feel there is a better option that could be attained for my situation. If a check in the mail, that might be better than being charged for using my own funds. I have been in such desperate attempts to gain employment and after so much time, and so many fees charged to me by US Bank to use the debit card, I have lost much money and also am quite stressed over these issues. 
I need some resolution soon, and I wish there would be another option for me to receive my money. 
Appreciate your help.

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 monetary relief
Consumer complaint received 2017-11-20
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span> hurricane Irma damaged our home financed by Mr. Cooper. They received insurance funds on XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span>.  We 've provided all the requested documents and called them almost daily but they still have not released the $ XXXX needed for home repairs. Each time we call it 's the same conversation as if they are reading from a script, " we apologize for the delay, I will request that be expedited immediately, you should have a check within 5-7 business days. '' Each call taking an hour on average but longer if you insist on speaking with a supervisor. I 've complied with their 15 page procedures and set up account on XXXX as advised, but they are delaying and delaying. We 've had to go to a local bank and borrow money to begin repairs in order to prevent additional damage to our home. We 've called Mr. Cooper twice to complain about it 's loss claim department, no one returned the first call and the second customer service rep transferred me to the department I was calling to complain about. We 've submitted a formal complaint and are waiting to get a response back. It 's an awful thing to have your home damaged and then to be victimized by your mortgage company like this is unimaginable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2021-05-19
Company: The Bureaus, Inc.
State: DC
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:
If what they stated is true? If they are reporting then they need to remove the other collection its reporting by one company and this company is trying to collect for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: NATIONSTAR MORTGAGE LLC
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We were offered a loan modification/assumption by nationstar mortgage now mr cooper. They told me in 2015 that they needed a QCD from the mortgagor to me the occupant of the property with mom as a cosigner. 
I got XXXX and had my XXXX XXXX, could not XXXX, XXXX XXXX XXXX XXXX XXXX and needed total care ( XXXX facility level of care ) for 10months awaiting XXXX, had several interventions and now I am walking after a long time in XXXX. I am working with XXXX XXXXo secure employment as a XXXX person and meanwhile my mother, who wanted to cosign to the loan, has been paying through XXXX XXXX escrow. the payment specified in the land contract that wrap the mortgage as investigated by the title company where I bought insurance. 
I asked for a new package in XXXX. It appears that the company sent the package not to my address, XXXX XXXX XXXX XXXX, XXXX, NM. XXXX which is where I live but to a XXXX XXXX in Florida to the mortgagor 's name for them to modify. 
The mortgagors had made the point to all that they do not want to modify, do not want the house, nor the loan. The bank states they did want to modify and that they did not send me another package to me because the mortgagors wanted to modify. I am attaching the company response as well correspondence of the mortgagor to me, I believe there is a miscommunication between all parties absent from acting in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
As our current CFPB complaint documents our property is contaminated and we have requested asssistance from our Mortgage Servicer without success. 

Nationstar/XXXX. XXXX indicated on XX/XX/XXXXduring a phone teleconference that they can not make any special exceptions for our contaminated property loan and our situation can only be handled the way they treat all properties that are not contaminated. 

It is well documented in the FDIC, XXXX XXXX XXXX, etc that a contamination that makes the property unsafe and uninhabitable directly impacts the value of the property. 

Prior communications with their representatives have documented : 1. There is no contamination department with Nationstar/XXXX XXXX 2. Nationstar/XXXX XXXX has no retention products for a property that is contaminated or uninhabitable. 

They indicated onXX/XX/XXXX that they cant make an exception for us because they would have to make an exception for everyone. 

Yet, the Seller Guide Update from Nationstar dated XX/XX/XXXX ( Enclosure ) reviews the issues of Water Contamination, acknowledges that contamination does impact property value including those homeowners in XXXX Michigan with contaminated homes secondary to lead. 

It appears that Nationstar provides these homeowners with a functional loan pathway and solution for homeowners with a contaminated property. 

What is the reason why Nationstar will not provide us with the same solution offered to the homeowners in XXXX Michigan whose homes have lead in the water above the safe drinking water limits Also, XXXX XXXX  representatives informed us they would consider a short sale instead of Foreclosure. They have as of today declined our request to short sale our property versus Foreclosure. 

It is my understanding that will sell the property at auction tomorrow with no disclosures of the contamination thereby obtaining a higher financial gain. As Enclosure 1 indicates any adverse impact the environmental hazard has on the marketability of the property is affected by the contaminated water supply. This is the same case for our property. 

We want to be treated fairly and not excluded from the same exceptions Nationstar has made for XXXX Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Hello Ally bank has repossessed the car after me explaining the federal law that governs them. Me filing a 1099a and 1099c with the IRS with my taxes the illegal took a XXXX down payment and this morning I get ready for work they sent someone to illegal come on my property and take my car. These federal laws must be upheld. And they broke them. THANK YOU 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
Consumer complaint received 2021-07-23
Company: FIRST REPUBLIC BANK
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
XXXX  XXXX XXXX, XXXX XXXX, LA obtained a loan from XXXX XXXX, XXXX XXXX, CA whose lender was XXXX XXXX XXXX, same city who has gone out of business and sold my acct. to XXXX XXXX, XXXX, MA. On XX/XX/XXXX I contacted XXXX XXXX. XXXX  for a loan pay out quote. The quote of {$5300.00} was given and good until XX/XX/XXXX. On XX/XX/XXXX a XXXX  XXXX cashier 's check # XXXX was delivered to XXXX on XX/XX/XXXX.On XX/XX/XXXX til present day I have been unable to speak with anyone at XXXX XXXX  who knows why my acct. has not been paid out and where the XXXX XXXX truck title is located. On XX/XX/XXXX XXXX XXXX called First Republic Bank, XXXX XXXX, CA where the cashier 's check was deposited on XX/XX/XXXX, cleared the bank on XX/XX/XXXX to a bogus acct. First Republic Bank has no acct listed on the back of check. Please help me get my truck title back and investigate this fraudelent activity. 
Thank you. 
XXXX XXXX XXXX, owner XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, LA. Phone # XXXX Email - 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
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX, XXXX Account # XXXX, XXXX XXXX, XXXX Account # XXXX and XXXX XXXX, XXXX. Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
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.

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