BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: Block, Inc.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Cash app terminated my cash card for no reason and wont tell me why? Cash app is P2P send and receive service so what is the point offering a debit card to use to make purchases when they terminate my card out of the blue without warning and no explanation. Cash app is payment service but they limit their service on my account and dont offer option to appeal my case. Cash app even offer to buy bitcoin and option to send bitcoin to external wallet but targeted me by making it hard to send bitcoin if they offer the option to send bitcoins out of cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ref. : XXXX Loan # XXXX -Property Address : XXXX XXXX XXXX XXXX, XXXX, CA. XXXX - XXXX XXXX  , XXXX - Loan Number : XXXX +++++++ Dear Sirs, Greetings, with reference to the above mentioned Mortgage Loan that was initiated and completed by Owning Corporation on / about XX/XX/XXXX , I would like to direct your respectful agency to the following errors, omissions and negligence in fulfilling its terms and conditions : 1. Specialized Loan Services purchased and/ or currently servicing the above mentioned loan as XX/XX/XXXX from your client XXXX XXXX XXXX. ( DEBT COLLECTORS ) 2. We gave clear instruction via phone, certified mail, fax, wrote on the payment coupon and posted on the check itself that ; >>>>>> ALL PAYMENT MADE IN ADVANCE TO BE APPLIED TO THE FOLLOWING MONTHS PAYMENT, AND NEVER APPLY TO THE PRINCIPLE! <<<<<<< 3. Since XX/XX/XXXX, we contacted Specialized Loan Servicing almost every two weeks via phone, e-mails and in writing to correct the errors, omissions and negligence that plagued this account by applying the payments correctly to the following months required payments to no avail. 

4. Specifically ; we made a payment to XXXX XXXX  XXXX On XXXX, XXXX, XXXX that was again mis-applied to the principle and Specialized Loan Servicing purchased this account thereafter, therefor Specialized Loan Servicing is directly responsible for the correction and to process the proper credits to our account. 

5. As a result ; XX/XX/XXXX payment should not got to the Principle, but to be applied to XX/XX/2020 month required payment. 

6. Therefrom, our required monthly payment should be due in XX/XX/XXXX. 

And many others, in addition to over 15 e-mail to your Customer Support team who responded with a receipt and promised investigation of the matter, to no avail.

>>>>>>>>> Violations <<<<<<<<< ( DEBT COLLECTORS ) Specialized Loan Inc and XXXX XXXX  XXXX violated : Our Civil Rights by committing a persistent and egregious violations of " Fair Debt Collections Practices Act '', " Fraudulent '' intent to force a default on the account that was paid in advanced, " Unfair Business Practices '', " Mental and Emotional Distress '', " intentional harm and deceit '' and " Bad Faith '' in conducting business. 

1. Specialized Loan Servicing XXXX. XXXX XXXX, XXXX, CO XXXX 2. XXXX XXXX XXXX, XXXX - XXXX XXXX  XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA. XXXX We spoke to the following Customer Services Representative and Managers to you company, who promised corrections and proper credit to the account yet they failed to do so : I. Ms. XXXX Employee # XXXX II. Ms. XXXX Employee # XXXX III. Mr. XXXX Employee # XXXX IV. Ms. XXXX Emplee # XXXX VI. Mr. XXXX Georgia Location Manager

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 2021-08-10
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The company is trying to collect debt without contacting me, to see if the debt is valid. I found out about the alledged debt on my credit report. The law requires them to contact me in writing and allow me 30 days to dispute or settle the debt and that didn't happen. I do not owe the debt and they wouldn't know because they have not communicated with me and I have not received mail from them, because I have USPS Informed delivery and there is no records showing I got mail from them.

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 2019-08-10
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: Public record information inaccurate

Complaint:
I have disputed this information with proof and the company refuses to respond on time and consider my proof. I believe the company is in willful non-compliance of XXXX XXXX Trans Union Corp., XXXX. XXXX ( XXXX. XXXX XXXX, 1995 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 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
TRANSUNION 5 US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00}XX/XX/XXXX 5 US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00} XX/XX/XXXX 5 US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00}

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 2020-09-01
Company: Exeter Finance Corp.
State: OH
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 Purchased a vehicle through Exeter finance LLC in XX/XX/XXXX. The vehicle was totaled in XX/XX/XXXX and paid off by XXXX XXXX XXXX in XX/XX/XXXX. All payments for the vehicle were continued and not missed. XXXX XXXX XXXX  mailed a check via XXXX  XXXX  to the finance company but when I called to verify I was told they hadnt received the check. I then called XXXX back and they said the check was received and cashed. The loan was paid off in full. A lady from Exeter finance   company called threatening me that if I did not pay her {$2000.00} via my bank account that she would have this account put back on my credit even after it was removed from XXXX. I asked her what the {$2000.00} was for and she could not tell me all she said that it was a fee or something I told her that the vehicle was paid off by the insurance company. The insurance company had possession of the vehicle but she continue to demand and harass me To pay the {$2000.00} by phone right then and there. There were many inaccuracies And they were removed from all three credit bureaus. She ( XXXX ) was able to put inaccurate information onto my XXXX   credit report that is now hindering my ability to buy a home. This was an auto loan and all the information that she has put on there is inaccurate. It is showing a charge off for a debt that isnt mine. The information is incorrect and does not reflect the original auto loan that was on my credit. That is why the three credit reporting agencies removed it to begin with. I dont understand how someone can put in accurate information on your credit report after threatening you to pay them on the spot that day via my bank account, threaten to ruin my credit and put account information that is not mine or doesnt pertain to me or my dealings with this company. Yet, Im able to be harassed and threatened and my credit ruined and the only company that allowed her to put it on my credit was XXXX. I would appreciate this company to investigate my concerns and remove this inaccurate/untrue account information from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: CITIBANK, N.A.
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. CBNA Inquired on XX/XX/XXXX, XXXX - CARD SERVICES Inquired on XX/XX/XXXX, CITIBANK NA., BEST BUY Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2019-08-10
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
on XX/XX/XXXX there was a pending transaction that caused my account to run negative by a few dollars so I had a deposit made in the amount of {$50.00} to cover any potential overdrafting once the transactions finalized the bank went ahead and charge me a fee of {$38.00} and on that same day manipulated a transaction that was pending for approximately {$20.00} to post at a later date which resulted in a second fee of {$38.00}. I have spoken with two or three different Representatives that have refused to do the right thing and credit my account and now I am negative 50 plus dollars instead of being positive {$24.00}. I have since threatened to cancel my account which I'm in the process of looking for another account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-10
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have disputed this information with proof and the company refuses to respond on time and consider my proof. I believe the company is in willful non-compliance of XXXX XXXX XXXX XXXX XXXX., No. XXXX ( C.D.Cal. XX/XX/1995 ),

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 2020-11-26
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
i was looking at my credit report and i see a collection on my credit report and its affecting me from getting my life together. i would like verification of the this 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 2019-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
After reviewing my credit report I notices several fraudulent accounts.

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 2023-03-08
Company: LEXISNEXIS
State: UT
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:
XXXX XXXX is reporting fraudulent accounts on my XXXX XXXX consumer report, I have disputed all the inquiries and the fraudulent checking accounts that they have in my good name, but XXXX XXXX XXXX  has not responded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-10
Company: CITIBANK, N.A.
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I contacted Citi after getting a promotional offer in the mail. The offer was either for 16.25 or 16.99 and up to 24 or 25 percent. I asked the gentlemen on the phone many questions about the card but the first and foremost question was about the rate I would receive on the card. He assured me 16.99 % would be my rate, and I was still surprised because I still don't have any other credit card at that high of a rate. ( I have or had very good credit ) After this conversation he played me a recorded message from which I would listen and agree to the terms. I assure you that no where in that recording was there anything saying that my terms would be over 20 %, much less 23.74 %. 
When I called them and reported that I found my interest rate in the middle of the 3rd page of my bill, that it was 7 percentage points over what I had agreed to, and that I would not activate this card, they told me that they would " investigate '' what had happened. 
My concern is that this card will eventually get cancelled by Citi for non-use, and that for whatever ridiculous reason, that severely impacts my credit score. I know this because just this year I had 2 credit cards I refused to use get cancelled on me, not knowing that ... .Even Though I Was Never Late With a Payment, and I Owed Nothing On Their Cards ... .my score was brutally beaten down over 100 credit rating points. It nearly affected an apartment I was trying to get, and it will affect so much more in my life!!! Even though my credit rating should be very very good, if not near perfection. 
I called Citi 9 days later because I received another email from them to " activate '' my card. I repeated why I would not and that all I want is for Citi to close this account without hurting my credit, or ... .give me the rate I was promised on the phone. 
I asked for them to heighten my case and then spoke with a " supervisor '', and was offered a compromise rate at 20 %. I said no, and that if I didn't hear anything better from their " investigation '', I would have to report their practices to my State 's Attorney General. From them I received the CFPB address. 
To date, I have received nothing from Citi, until yesterday when I received another email, this time that Citi has " auto-enrolled me to receive upcoming payment alerts ''. 
Please help me. Citi is trying to railroad me into a bogus credit card agreement with a " Bait and Switch '' scheme over the phone. 
To my knowledge, " Bait and Switch '' has long been illegal. Please help me and please stop Citi from hurting my credit along with other unwary consumers. 
Thank You for any help you can provide. 
Sincerely, Xxxxx Xxxxxxx

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 2018-12-04
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: Account status incorrect

Complaint:
Accounts XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX   XXXX weren't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested the credit bureaus to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this 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 2020-10-18
Company: EQUIFAX, INC.
State: IL
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:
Reported late multiple times, which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Reported late multiple times, which is incorrect.

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 2019-08-10
Company: Experian Information Solutions Inc.
State: IL
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:
After reviewing my credit report I notices several fraudulent accounts.

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 2019-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
Capital One I applied for a credit card online and it has affected my credit scores. I was not told this in the disclosure and never told that this was going to be a hard pull vs a soft pull. No transparency at all. I asked for a deletion and they told me they weren't credit counselors and nothing I could do about it! XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Security over online banking is important. It is even more important when it blocks the true account holder from using the account. SunTrust bank, now Truist Bank, suspended my online checking account on XXXX. I was having trouble making XXXX bank transfers. SunTrust sent me an email to contact them by telephone. 

After spending most of the day speaking to 6 or 7 Sun Trust representatives through their telephone tree, hearing that I did not have to continue in the tree if my account was blocked, speaking to a different representative every time, repeating the same issues to different representatives, being cutoff several times while a SunTrust representative attempted to verify my telephone landline phone number through a voice authentication system my account was suspended. 

I could not access my account. The last recommended solution was to remove robo call blocking from my telephone or to visit a SunTrust branch. There are no SunTrust branches in New Jersey. 

SunTrust has no email contact number on its online banking website. It lists no employee by name or physical mailing address for contact. The system appears to be designed for telephone communication only and to eliminate the documentation of poor decisions. 

The next day, XXXX I received an email that my account had been reactivated. There was no reason given. There was no documented reason given for the account suspension. I had to trust that Sun Trust acted properly. Now with access to my account and increased motivation I could access the details in my account profile. I saw that the date of my last password change was in XX/XX/XXXXand that old telephone numbers had not been deleted. Possibly there were other errors in SunTrust information for me, but I do not have access to this. 

Based upon this experience my questions for financial regulators are the following : 1. What special controls do financial regulators have over online banking? 
2. What state regulations apply to online banks that are not licensed in the state? 
3. What reasons are justified for suspending an account? 
4. How can a customer contact a bank if no contact address is provided by the bank?

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