BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
attached is the letter from XXXX XXXX XXXX XXXX stating from manager that she would delete the account XXXX XXXX XXXX from my XXXX Experian and XXXX ... .... reports after i have made and have made my payment of XXXX $ that we settled for and it was paid on XX/XX/2022. pls remove from all XXXX, XXXX and Experian reports. thank u.

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 2020-03-07
Company: Cottonwood Financial Ltd.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I took a payday loan and couldn't pay back. Two yrs later, received phone call from XXXX XXXX XXXX threatening arrest & jail if not paid. I have had them take $ XXXX/month from my Social Security Disability-issued debit card. They have been paid {$300.00} of the {$400.00} owed. Saw article on the company saying they may be fraudulent. Started pymt on XX/XX/XXXX with {$25.00}. Pd $ XXXX/month XX/XX/XXXX thru XX/XX/XXXX. 

https : //www.consumer.ftc.gov/blog/2019/02/ftc-halts-another-phantom-debt-collection-scheme Not sure if I'm being scammed. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: ALLY FINANCIAL INC.
State: RI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I originated a {$63000.00} outbound transfer from my Ally Bank savings account to my XXXX XXXX checking account on XX/XX/XXXX, before the XXXX cutoff. The transfer was delayed -- the funds were not received the next-day ; instead, the funds were credited to my XXXX XXXX  account on Monday, XX/XX/XXXX. Reading Ally Bank 's Transfer FAQs, it says, " we determine eligibility for next day transfers based on account tenure ( I've been a customer for 8 years and opened this particular account 6 years ago ), account activity ( I transfer-in {$1500.00} every month from my XXXX XXXX account ), and transfer activity such as overdrafts and returns ( I have NEVER had an overdraft or return on this account or the three Ally accounts I own ). To combat fraud, we are selective about when we offer next-day transfers. '' There was NO RISK OF FRAUD. Again, I was transferring money BACK to the account I've used for 6 years to fund the Ally Bank savings account. 

I called Ally and asked to be paid interest for the time my money was MIA. Funds were withdrawn on the XXXX, but not credited until the XXXX. Ally refused -- they said there was no error. I believe I was treated unfairly. Ally used my money during the transfer delay -- I lost interest. My transfer should have been next day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Prosper Marketplace, Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I made the decision to close this credit card after numerous issues with Prosper Card issued by XXXX XXXX XXXX. I contacted them via phone to initiate the account closure and at about the same time revoked account access to my checking account with XXXX via a third party app called XXXX. This app enables a company to see an account holders balance and transaction history within my personal checking account. The day of that call and prior to closing the account I used the lenders app to initiate the payment of the majority of the balance due them. 

Within days of closing the account I no longer had access to the Prosper Card app or website for current account balance and to make debit payments from my XXXX XXXXhecking account as payment to Prosper Card. This lender also does not accept payments pushed from my bank to them via billpay. I should also mention that auto pay was set up on this Prosper account to ensure that a payment due was never missed. 

Based on my experience, conversation with XXXX XXXX  and my numerous attempts to get answers from Propser, it appears that when I revoked permissions via XXXX this lender automatically stopped sending ACH debits to XXXX for payments whether payments I requested or auto payments. They simply stopped and as a result have reported my account as delinquent, charged erroneous finance charges, refused to resolve the issues and made numerous claims that my bank reversed payments when in fact they reversed the payments and never submitted them into the ACH clearinghouse. 

I was able to pay them {$320.00} via check on XX/XX/XXXX check number XXXX. They did successfully apply that payment to my account but now insist that i still have a balance for finance charges. They have also reported the account as 60 days late to the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I am writing to formally file a complaint against PayPal concerning the unjust restriction of my account and the subsequent freezing of funds.On XX/XX/23, I received an email notification from PayPal stating that my account had been restricted due to alleged violations of their policies. According to their communication, these accusations include Violating terms of agreement. I would like to emphasize that I strongly believe these accusations are false and without merit. 

As a responsible PayPal user for 1 year, I have consistently adhered to their terms and policies, and I have never encountered any previous issues or violations. The sudden and unjust restriction of my account has left me perplexed and distressed. 

Furthermore, the restriction of my account has led to the freezing of {$600.00} dollars, a significant portion of which is vital for my financial well-being. I am currently facing unemployment, and the availability of these funds is crucial for navigating through this challenging period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
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: Account status incorrect

Complaint:
I am so bewildered about this situation. I've submitted this complaint 2 times & CFPB & EQUIFAX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm beyond annoyed. The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & EQUIFAX with an affidavit & FTC fraudulent report to support my position. It seems EQUIFAX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told me I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX XXXXI XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
As per the attached documents : Chase has provided inaccurate/false mortgage statements that indicate that the HELOC or Home Equity Line of Credit is a XXXX mortgage or XXXX Lien when XXXX is not. 

Chase has filed inaccurate/false " Proof of Filing Statement '' with XXXX Department XXXX XXXX XXXX XXXX XXXX. 

Chase used both the innacurate/false " XXXX mtg '' mortgage statements and false XXXX " XXXX of XXXX XXXX '' as " XXXX Lien '' XXXX file foreclosure with the court. 

Chase has egregiously doubled the HELOC mortgage payment from ~ {$280.00} to ~ {$600.00}. 

Chase needs to provide accurate mortgage statements with accurate payment and outstanding balance listed and REMOVE XXXX XXXX or XXXX mortgage from every mortgage statement. 

Chase needs to file an amended " XXXX of XXXX XXXX '' with XXXX given that it is not " XXXX Lien '' as the attached court document indicates. 

Chase needs to amend the mortgage to reflect a mortgage payment significantly lower than {$600.00} - a modification is not a reduction by {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: EQUIFAX, INC.
State: MO
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2019, I sent Equifax a certified letter for method of verification of a Chapter XXXX bankruptcy reporting on my credit report. 

On XX/XX/2019, I received confirmation from Equifax stating that the public record was verified by XXXX on XX/XX/2019. 

On XX/XX/2019, I sent another certified letter with proof that XXXX has no bankruptcy record on file for me and they have 15 business days to delete it from my credit report. 

On XX/XX/2019, Equifax sent a letter still insisting that they got their information from XXXX, which isn't true. 

Today, I come to you because my rights have been violated under the FCRA by Equifax continuing to report a public record on my credit report even after I sent the verifiable proof from XXXX to them, which states that I have no public record with XXXX. I ask that you hold Equifax accountable for their non-verified practices of the law and to demand they delete this public record from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have a {$1000.00} loan from ace cash Express. when they first started to withdraw payment i calculated the fees the were giving me was almost the same amount of the loan {$920.00}. I told them that i have taxes to pay and that i had a family emergency that i wouldn't be able to pay back loan. that I have plans to get with a debt consolidater. Ace cash have told me that they are filing a lawsuit against me. they've constantly harrassed calling my phone and calling my job telling people I work with that they're filing a lawsuit against me. I know its affected my credit. I need them to stop harassing me at my job and constantly calling at my job

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My current fico score is NOT accurate. I have paid all my credit cards to below 70 % of balances and these balances have not changed on the credit report nor has my credit score. Historically, I should be in high 600s. This past summer I was at XXXX. I have no late payments.

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 2023-04-24
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Dear Sir/Madam, I am writing to file a formal complaint regarding my closed credit card account with Citi Bank XXXX I am concerned that my account has been subjected to high interest rates and other fees, despite being closed due to my current medical issues which have left me unable to work. 

As a consumer, I understand that there are laws and codes of banking in place to protect individuals from falling into debt with their credit cards. I have attempted to manage my debt responsibly, but have found the interest rates to be unreasonable and unmanageable given my current circumstances. 

Furthermore, I would like to express my frustration with the lack of communication from Citi Bank regarding this matter. I have not been given a clear explanation as to why my account has been subjected to such high rates, or any assistance in managing my debt in a manner that is more reasonable given my current situation.

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 2023-06-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have always been fond of my XXXX based brother whom suffers from XXXX XXXX problems. I rearrived back to XXXX from XXXX in XXXX. I have been communicating with SPS  since XXXX XXXX initiated and we are in good contact. It was suggested to me from SPS to contact GA XXXX XXXX XXXX XXXX XXXXe, which I proceeded to do, however, myself and others were victim of fraud phishing scheme, as I had heard on the news. As a result of the aforementioned fraudulent activity, I have been getting calls, letters, etc which prompted me to start a police report in response to the stolen information. I was told by SPS that I had to choose either the GA XXXX XXXX GA Mortgage assistance, or the modification of the loan. I have successfully passed all the conditions for the modification approval. I am tasked to choose between the two so I am taking time trying to make the best informed decision as it relates to my mortgage. 
Every payment has been made on time, however, due to the past Pandemic, I exercised the XXXX XXXX XXXX, for ease of caregivers for my daughter and brother. I am fighting fraud and weighing options between the two so please allow me a few more moments to make the best informed decision for my circumstances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This occurred on Saturday XX/XX/2020. 

I called my current mortgage company, Quicken Loans, and asked about current rates since I heard they dropped. I was interested in potentially lowering my interest rate. 

The first person transferred me to a specialist. The specialist quoted me a rate of 2.5 % as their rate for a 15 yr mortgage. 

The specialist then asked if I wanted they could pull credit to get the process moving to save me money. I agreed. 

The issue came when the specialist came back on the phone and failed to mention that the 2.5 % rate was only possible by paying a bunch money to get the rate down that low. It was a bait and switch. I never would have agreed to have my credit pulled if I knew I would have needed to pay a bunch of money just to lower my rate by 1 %. 

The specialist did not read any credit disclosures to me on the phone and did not mention there would be a hard pill on my credit and impact my score. 

Furthermore, I escalated to their manager and the manager said that none of their rates were that low unless you paid additional money. He said that the rep should have mentioned that. 

This is clearly a deceptive practice from the sales rep and was not in the best interest of the consumer to inform them of the information before making this decision. 

I am requesting that this credit pull be removed and the rep coached to prevent this from happening to additional customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Regions Bank Institution is charging me overdraft and non-sufficient funds fees ; I have paid Regions Bank Monies with regards to the personal line of Credit to bring that Account to XXXX Monies owed. 

Regions Bank unlawful practices are unfortunate. This will be the second unlawful fees reporting I have from filed. 

I have documented files to upload ;

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 2023-04-24
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am writing to you to make a formal complaint about my experience with Ulta Beauty. I believe that my consumer rights have been violated, and I am seeking a resolution to my problem. 

First and foremost, I would like to address the consumer laws and codes of banking that are in place to protect us from credit card debt. As a consumer, I have the right to fair and transparent terms when it comes to credit card accounts. I feel that Ulta Beauty has not provided me with this level of transparency and fairness. 

Additionally, I am currently not working due to medical issues and have been struggling to keep up with my credit card payments. Despite my efforts to make payments, I have been hit with high interest rates on my closed credit card account, which has only added to my financial struggles.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

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. XXXX XXXX XXXX XXXX # XXXXXXXX XXXX ( 2 ) XXXX AC # XXXX, XXXX AC # XXXX, XXXX XXXX AC # XXXX, XXXX XXXXAC # XXXX, XXXX XXXX XXXX XXXXAC # Has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the rights to privacy. 15 U.S.C. 1681 section 2 : It also states a consumer reporting agency cant furnish a account with my written instructions. 15 U.S.C.168c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting containing any of the following of information other than records of convictions of crimes which antedates the report by more then seven years. 15 U.S.C. 1681s2 ( 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 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 explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 non-monetary relief