BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-16
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted through email from ACE Cash Express stating I owe over {$2000.00} dollars for a debt I did have a few years ago. At first I didnt know if it was a legal debt and I did find the company on the list. I made arrangements to pay the {$300.00} that was agreed to close the acct. then I got another email saying we forgot to tell you, you owe another {$190.00} or we will send you to get sued and pay more. I told them I wasnt going to pay. I was then contacted by 2 other people saying the same thing that I will be sued and have to go to court and pay the full amount. On email said if I pay the {$190.00} they will close the account. They have my social security number so I got real scared and paid it. Then I received another email saying I owe an additional {$140.00}. I then told them I am not paying so they threatened me to send my acct to a lawyer. I then filed a police report for harassment and the officer told me it is fraud and to report my social security number is being fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX, XXXX reached out to me threatening to sue for a debt that I had tried to tell them wasnt mine and was a result of my identity being stolen by my abusive mother. They didnt hear me, and only wanted the money. Scared of a lawsuit, I caved and set up a payment plan with them to avoid a suit. I have been making payments monthly for a debt that I did not create nor reap the benefits of. Now, I had a payment not go through due to my card being turned off overnight manually so that my account isnt frauded. On XX/XX/XXXX I spoke with account manager XXXX, who said that the payment would be retried overnight. When I checked with account manager XXXX later that day ( see screenshot below ), she said she wasnt sure and to wait until the next day to see if it would happen. That didnt happen, and my payment plan was voided. They have also been sending me conflicting emails about how much total is due, with varying amounts ( see images ). Their website is also misleading, showing that a payment posted after the failed transaction ( see image ). The amount of inconsistencies in this company as well as the lack of knowledge in its workers tell me all I need to know about it, and I have lost confidence that I can resolve this with them. The account wasnt mine to begin with, but I was afraid to be sued for it because my name is attached to it. The tactics they use are inhumane and wrong.

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 2023-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital one was In charge of my account when I attempted to link my external bank account named XXXX to capital one. Which was all fine untill they froze up my account and refused to give.me access to my funds. I have to call 6 times whilst at work to get things figured out. I did also authorize 2 incoming transfers from my XXXX  XXXX  account of XXXX to capital one which said reversed on capital ones side but has since been taken out of my XXXX  XXXX  account. I'm sure it's just a misunderstanding. As XXXX sees the funds as in transit from their side. They stated that I could not move my money from my checking out at XXXX to capital one as they see them as a prepaid service. Even though capital one is very similar in nature. After all was said and done capital one blocked my account again as I still had my transfers pending so I had to stop taking my very important XXXX medication as XXXX was a fairly new account and I had the debit card on the way. Capital ones representative told me that I was XXXX. And that I " shouldn't have tried to link that account again '' and laughed at me Over the phone. To add to my pain capital one also declined to pursue my charge backs against etoro after my cell phone was stolen and fraudulent charges were made via that platform. I had email correspondence from.etoro stating that my account was compromised via my old device. And attempted to provide said proof to capital one and they refused to see it. All they wanted to do was wipe their hands clean of me. And good riddance if I might add. I have had nothing but trouble.using them my card was always getting compromised and they would never provide updates for my Disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: WELLS FARGO & COMPANY
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Somebody used my name with a XXXX XXXX joint line of credit for {$10000.00} in XX/XX/XXXX California Wells Fargo branch. I was in Idaho and have never heard of this person. Wells Fargo has the wrong address and no valid ID for me for the account just my social. In XX/XX/XXXX I took out a line of credit of {$10000.00} 3 weeks prior with XXXX that I paid off in full. I didnt know the other existed until it went into collections when I disputed it as fraud and Wells Fargo said they couldnt prove if it was fraud or not and werent going to do anything but write it off. And apparently according to the irs writing it off means that they can come after me for that debt even though its fraud. I duno what to do it was identity theft so I duno if I should report it to the police since theyre going to be coming after me for that money. This was almost 9 years ago and I was just told 3 days ago by two IRS agents that they will be coming after me for this money despite it being fraud. I never opened any line of credit in California, someone named XXXX XXXX XXXX did and my name was on it as a joint account. I dont know what to do and Wells Fargo isnt helping me with this situation despite it being fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have unauthorized credit inquiries. I am a victim of stalking and doxxing. Please investigate and remove the inquiries. 

XXXX XX/XX/2021 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 explanation
Consumer complaint received 2018-10-11
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX we fell behind two payments due to personal reasons, once you get behind for more than 60 days they would only accept all amount due in order to continue with regular payments. They offered us a " Mortgage Reset " program, we would pay 3 payments over 3 months anytime during those months and after the third payment any past due amount would be tacked on to the back of the loan. 
We paid our first 2 payments XX/XX/XXXX and XX/XX/XXXX but in XX/XX/XXXX we were affected by hurricane Irma in Florida and had to purchase fuel, food and supplies in order to prepare. I called Mr Cooper and asked if there was any exceptions for hurricane victims and they said it would be ok to skip XXXX and resume XXXX and XX/XX/XXXX would be the date the past due payments would be placed on the back of the loan. 
When we tried paying again in XXXX the system would not take our payment so I called to have them do it over the phone. When they tried it would only accept a double payment but we did not have that much so they said we defaulted on the reset agreement. 
I called to get help from HUD and they said they would re-apply for the mortgage reset, after calling for 4-6 months being told it was still being processed each time I called they in XX/XX/XXXX they said it was approved and waiting on booking. In XXXX of XXXX they advised the Mortgage Reset is no longer a program they do so we would have to pay the total due over $ 12K which we did not have. 
We are a family of XXXX and have lived here for over 10 years now and they filed for foreclosure and are not interested in a modification since we had to do one 5 years ago do to a loss of job. 
We want to stay in our home. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: CITIBANK, N.A.
State: PA
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:
Notified company of reopened XXXX XXXX  bk case -- still reporting as delinquent

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 2022-02-16
Company: Social Finance, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Recently, I, XXXX XXXX XXXX, was denied an extension of credit by SoFi Credit CorpXXXX XXXX. On XX/XX/2022, I applied for SoFi Credit Card. 
As you XXXX be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1692 ( K ). SoFi Credit Corp. XXXX has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/2022, is both a proof and evidence that I have been discriminated against, you are also criminally liable. SoFi Credit CorpXXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

I received a response from the Sofi on XX/XX/2022 that does not satisfy this ongoing concern. I have escalated the matter with the Attorney General. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
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  Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 {$3300.00}. 
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. 

-- STUDENT ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account.

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 2022-02-16
Company: SERVICEMAC, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called the automated system in XXXX to make my payment and given a confirmation number. I later discovered on my XXXX statement the payment was not accepted. I called my bank and informed the funds were available but the transaction request was never submitted. I conferenced my bank and Servicemac CSR to resolve the issue and informed the request was submitted twice but Servicemac couldn't provide an account number or proof of submission. I had Servicemac take the payment manually for the second time. This company appears to intentionally process payments incorrectly to charge late fees. XXXX XXXX XXXX XXXX have numerous complaints but the issue is never rectified. I enter the same account each month but it's a hit or miss if the payment is processed properly. This needs to stop. If the automated system is faulty then the payments should be taken manually without a fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I Checked My Credit Report And This Credit Loan Is On It, Which I Have No Knowledge Of.

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 2018-10-11
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a mortgage with Nation Star Mortgage. It was put in foreclosure. The home sold and was paid off in XXXX of 2015. The two credit bureaus that listed this item ( XXXX and XXXX XXXX ) listed the historical delinquency at 120 days late in months leading up to this sale. They properly lined out the months of XX/XX/XXXX and XX/XX/XXXX AFTER the item was paid. But they then listed a 120 day in XX/XX/2015 ... TWO MONTHS AFTER PAYMENT. 

I disputed this with the bureaus and it remains on both of them. I have attached two pages of my credit file. One showing the Nation Star item and the second page which continues with their historical listing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-07-07
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Synchrony Bank has a consistent habit of reducing credit limits or closing under active accounts knowing that these actions have a massive impact on a users credit score. Recently I made a purchase using my Dicks sporting goods store and before my payment was due they lowered my credit limit. At the same time they reported my current balance, which was not due for XXXX business days. This is abuse of privilege and resulted in my credit score dropping XXXX points based on credit card usage at XXXX %. This is unfair treatment and can result in a cascading effect which could cause other card companies to reduce my credit limits based on a falling credit score. It also impacted my ability to apply for a 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 2018-10-11
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I need help. Mr. Cooper has a trustee sale scheduled on XX/XX/XXXX for my family home valued at {>= $1,000,000} ( XX/XX/XXXX XXXX appraisal - old and market has improved since then ) and there is approx. $ 400K equity from sale after Trustee 's bid of $ XXXX. Excess proceeds would pay-off outstanding balances to IRS and HOA, then leave approximately $ 350K of surplus funds for me to start over and deal with significant health issues. During last recession, I depleted all assets, including 401K, so this is my only source for retirement savings/healthcare ( significant health issues since XXXX and continue- XXXX - like having XXXX XXXX every day ). The home is listed for sale at {>= $1,000,000} and several buyers put home in top two for  consideration, but pending Trustee sale date scares them away. 

I have not received proper notice the sale will not be extended again and Mr. Cooper has been unresponsive to my attempts to contact them over past few weeks. Also, my attempts to obtain a 'Surplus Funds Form ' have gone unanswered for months. In XXXX, I emailed Mr. Cooper 's attorney of record and receive email response stating their files were closed. ( see attached email string attached ). I requested this form from XXXX XXXX XXXX, handling the Trustee Sale, and they do not have one. No one seems to know where to get a copy of form? 

I asked for reinstatement amounts last XXXX and never received. Asking for same over past week via voice mail to Mr. Cooper, but nothing yet. Understand hurricanes have caused increased work for Mr. Cooper and workers overwhelmed. 

Respectfully request the Trustee Sale be extended to XX/XX/XXXX ( 60 days ) to  allow me reasonable time for a buyer to close. 

I have not received property notice due to lack of communication from Mr. Cooper and negative response from Mr. Cooper 's attorney, who stated 'file closed ', but today Mr. Cooper says file is open. Mr. Cooper 's attorney non-responsive to me. 

Please help - I remain in home and keeping it in tip-top shape. Interested buyers are afraid to move forward and feedback very positive - 'lovely home ' and 'well maintained '.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: CITIBANK, N.A.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
CITI sent me an statement for a alleged debt. I am CONSUMER pursuant to Title 12 u.s.c 5481 ( 4 ), NATURAL PERSON pursuant to Title 15 USC 1602i, & ORIGINAL CREDITOR Pursuant to Title 15 USC 1602g. Im the Original creditor granting the CITI the right to credit Pursuant to Title 15 u.s.c 1602f ( the term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment ). No comparable cash transactions in this consumer credit transaction. I do not verify or validated the alleged debt pursuant to Title 15 USC 1692g ( c ). CITI VIOLATED Title 15 USC 1692e ( 11 ) communication failed to contain the mini-Miranda warning This is an attempt to collect debt ... communication is from a debt collector CITI is a Debt Collector Under TILA & FDCPA.

CITI VIOLATED Title 15 USC 1692g ( a ) ( 3 ) Must state right to dispute within 30 days CITI VIOLATED Title 15 USC 1692g ( a ) ( 4 ) Must state right to have verification/judgement mailed to CONSUMER CITI VIOLATED Title 15 USC 1692e ( 2 ) Character, amount. Or legal status of the alleged debt

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 2023-09-12
Company: EQUIFAX, INC.
State: KY
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), Please investigate the unverifiable items and remove them immediately from my report : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-01
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:
I became aware of a ding on my credit report while filling out paperwork to refi my home. XXXX XXXX turned me over to XXXX XXXX XXXX for {$1100.00} in unpaid charges. Account under same name, XXXX XXXX but living in XXXX XXXX, NV. I have never lived in XXXX XXXX but have lived at XXXX XXXX XXXX, XXXX XXXX, CA for XXXX years.

Company response to consumer: Closed with explanation