BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: SUN LOAN COMPANY INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done SUN LOANS can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If SUN LOANS reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2023, I called my Mortgage Lender regarding a shortfall in my XXXX Mortgage Payment. The shortfall in payment of {$30.00} was due to the increase in Escrow Impound installment amount. Because of this shortfall, the Lender charged me {$120.00} in Penalty. 

I find this Penalty of {$120.00} unreasonable and an unfair practice by the lender due to the following reasons. 

XXXX. My XXXX Mortgage payment, which was on autopay with my bank, was paid on time but short {$30.00} due to the increase in Escrow Impound amount. 
XXXX. The Escrow Impound amount is not the Lenders money, but rather my money being kept by the Lender on my behalf for Taxes and Insurance.

3. Why am I being charged a penalty on my own money.

4. This practice of charging a Penalty on a shortfall of {$30.00} due to an increase in Escrow Impound amount is unfair and excessive and should be stopped.

5. {$120.00} penalty on a shortfall of {$30.00} is 400 % penalty which is very excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Problem with personal statement of dispute

Complaint:
Currently I have a tax lien being reported on my Transunion and XXXX credit reports. The lien is inaccurate and should have never been filed. The lien has been ordered removed from my record. The first time I disputed the lien with Transunion they sent back a response stating it would be removed but after several months it was not removed. I disputed it a second time but now they are stating that is is accurate and are refusing to remove it from my credit report. I would like assistance in compelling the credit bureaus to remove this inaccurate item from my reports.

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 2022-09-07
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a business check on Monday, XX/XX/XXXX at XXXX. After three days, the funds still had not been deposited into my account. I went to the Chase branch where I made the deposit- the teller admitted handling the deposit, but then the bank manager moved me away from the teller and into her office. She said they lost the check and are trying to find it. I have called every day since only to be told that they are working on it. The check amount was {$5.00}. This is our families main source of funding, which has caused great stress not having the funds we need to live. As of this writing, I have seen no resolve from Chase. They made a mistake, but I am the one paying the penalty. Unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Reali, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020, I requested that Reali Loans Inc. sent me a payoff statement good through XX/XX/2020. I have not been able to reach anyone at Reali who will do this. 

I have made two calls to the number listed on the First Payment Letter, XXXX, but no one could provide me with a payoff statement or the loan servicing department. I also emailed XXXX XXXX ( Vice President of Operations ), XXXX XXXX XXXX closing, post closing, or MERS  ), and XXXX XXXX. I also mailed the request. 

I checked MERS, and Reali is the servicer for my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report un following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRU consumer to whom it relates. I NEVER gave any consumer reporting agency WRITT to report anything on my consumer report which violates my rights as a federal prote consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delet f the accounts listed IMMEDIATELY!

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 2020-11-17
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair 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 explanation
Consumer complaint received 2023-10-10
Company: JTM Capital Management, LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX sold an account under my name to JTM Capital. The information regarding payment history is incorrect. After many failed attempts to get in contact with the company regarding this matter of reporting erroneously on each of my credit reports with XXXX, XXXX and XXXX. XXXX XXXX claims that JTM Capital is reporting on my credit but under the wrong creditor name of XXXX XXXX  and not JTM Capital. I did not even know initially that JTM Capital bought the account. Please see attached letter from XXXX XXXX detailing that XXXX owns the account and is responsible for the erroneous reporting on my consumer report. They can not hide who they are and continue to report on my consumer report in a negative way.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Briefly. In XXXX my incomplete loan modification was sold to Nationstar from XXXX. Additionally XXXX stop paying 1/2 the property taxes in XXXX. In XX/XX/XXXX my local tax collector arrived at my door with 24,000+ bill in hand. To Nationstars credit after 3 days of hysterical calls, they mailed out a check. Nationstar was reimbursed a portion by XXXX, of which they have no record. 
The payment did trigger a negative escrow starting at 11,000+, which I would have to repay. What I didnt get was any notice of an immediate doubled payment. From 1500+ to 2900+, that is asking a lot with no notice. After a year and try to achieve a realistic payment, they finally got down to a payment in XXXX to XXXX five year repayment. This number was to include interest, principle, escrow impounds for taxes and insurance, along with repayment. Thru XXXX and XXXXimpounds were paid and the negative escrow was down to XXXX. My tax collector contacted me in XX/XX/XXXX to inform me the last two payments had been missed. After multiple arguments and lies about payment with them they paid. Then added it to my escrow charging me additional fees, starting. XX/XX/XXXX for which they had already been paid. Initially I paid the additional fee begrudgingly late while I researched it. I printed out all pertinent docs prior to making my point. They sent all docs they were working off of, nothing they had provided, proved their reasoning. In fact comparing the same two documents, had different numbers. At that point I stopped paying the additional fees and sent in the proper payment. The only person in all my calls to them who actually took a hard look at what I was telling them and needed to show her manager was fired. There escalation team nothing no returned calls. The SPOC person XXXX. They have one payment on hold because it short. The payments made that were returned have been put in a separate account. Addition fees will not be paid and we are working toward fraud charges against the company. This was a simple fix but now with the cooked numbers it has escalated. Ive had two trips to the hospital since its inception, the XXXX  is a killer. At this point Im not sure if its complete deception or absolute incompetence. Additional proof can be faxed if required.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: First Credit Services Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My old gym, XXXX XXXX XXXX XXXX, did not cancel my membership due to an accounting error on their side in XX/XX/2019, following a XXXX XXXX  due to their negligence. 

I have since been in touch with the gym to fix the issue, but since the gym had preemptively sent out a debtor claim with First Credit Services, FCS, I have had several debtors call me. It's clear they shared my information somehow because I've never owed a dime and now I'm getting phone calls from several different kinds of companies chasing me for these gym funds. 

The gym has confirmed they told FCS to stop contacting me, but now things have gotten worse. I have to block phone numbers multiple times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Block, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
On XX/XX/XXXX at XXXX I made a purchase at discord in the amount of {$9.00} using my prepaid card issued by cash app ( run by block, formerly known as square ). This purchase was made pursuant to an offer shown within the application which advertised " 99 % off your in app purchase up to {$10.00} ''. I activated this offer on my card and proceeded to click on the link to the offer to complete the purchase within cash app. As I made the transaction, I was constantly reassured by the presence of a badge displayed on the corner of my screen of the browser inside cash app. This badge displayed the phrase " saving with cash card '', and when I clicked on this badge, it reaffirmed the offer terms and stated it would apply to this purchase. Based on the consistent solicitation I received from cash app throughout the purchase process, I was convinced this offer would be correctly applied. That did not end up happening and instead I was charged the full purchase price without the discount and was not refunded. 

This offer has been widely publicized, and I correctly followed all steps necessary to claim it. 

I reached out to customer service multiple times on XX/XX/XXXX shortly after noticing the transaction was incorrectly processed, on XX/XX/XXXX, on XX/XX/XXXX, XXXX, XXXX and XXXX. They declined to assist me. I provided them with documentation regarding this issue several times and asked to speak to a supervisor. They continue to decline to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I recently read a newspaper article that stated Barclays ( barclaycard ) has been fined by the Fed Reserve and NY State more than any other Bank. It has come to my attention, that barclaycard is charging customers late fees during this horrific hurricane season. Please stop 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 2021-09-24
Company: The CBE Group, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the CBE GROUP ( Original Creditor : XX/XX/XXXX) still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Delete this collection account PRONTO.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax reportedly compromised my SSN, name, birthdate, address, drivers license numbers and credit card information. This occurred due to the Equifax inadequately secured this information in there database allowing this vulnerability to be accessed and made publicly available. Information about the breach was announced on Friday XXXX XXXX, 2017 and currently the company has only allowed me to view the information that my information is compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I recently received a personal line of credit statement dated XX/XX/XXXX from Citizens Bank of XXXX, RI requesting a payment of {$100.00} on a past due amount of {$100.00}, which I believe are fees. This line of credit was opened in XX/XX/XXXX, which I barely used if at all, and I personally closed this line of credit in their XXXX XXXX, MA branch at least five years and closer to ten years ago. At the time of closing the account, I remember the employee instructing me that I was all set and that he had closed the account. I do not recall him having me sign anything, it appeared everything was handled on the computer by the employee. I have not received any fees or correspondence from Citizens Bank regarding this LOC in many years. 

On XX/XX/XXXX, I went to the XXXX XXXX, MA Citizens Bank branch to discuss these fees. They were of no assistance whatsoever and the issue did not result in any resolution. They informed me that the account was never closed and that I needed to write a letter to XXXX XXXX XXXX in XXXX, RI requesting to waive the fees and to formally close the account. They also set up a case issue number and spoke with someone over the phone about the account. Also, one of the employees stated that Citizens doesn't even offer these personal lines of credit anymore. Since there was no activity on the account for many years, I believe Citizens assessed these fees to get my attention so I would close the account. 

On XX/XX/XXXX, I wrote a letter as instructed requesting that Citizens waive all fees and to close the account. The consumer loan servicing center has not responded to my letter. I have received two phone calls from a man named XXXX, who claims to be from Citizens. I believe he is just responding the case number set up by the branch and knows nothing about the situation. The first time he called, I called him back and he would not speak with me unless I gave him my full Social Security number which was on a recorded line. In this era of rampant identity theft, I thought that was totally inappropriate and I refused to speak with him. As of this writing, I am waiting for someone in consumer loans to contact me and grant my request. This is all totally unnecessary, since I closed this LOC many years ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: KY
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:
Equifax has all of my credit and personal information and has allowed itself to be hacked exposing my family and me to possible fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: EQUIFAX, INC.
State: MA
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 XXXX, Original Creditor : Not Available Creditor Contact : Not Available, add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency and Credit Reporting Agency Name are violating my rights as a consumer and I'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: OK
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:
My identity leaked along with XXXX XXXX other Americans. I do n't even get to choose if they get to keep my data, since they are XXXX of the major credit bureau i have no choice.

Company response to consumer: Closed with explanation