BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-06
Company: First Advantage LNS Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This Event was one of the Most Challenging experience in my life regarding XXXX XXXX XXXX, Burglary and False Reporting in order to get more money after they allowed their Maintenance men to enter my home while I was at work and the Babysitter step out with my 2 year old son at the time to grab valuable items along with changing my locks because the Judge from My domestic violence case Granted to permission that I was allowed to break my lease due to safety reason that happened prior. On XX/XX/XXXX There was a domestic assault that on the complex which the XXXX XXXX was notified that my safety was at risk. I reach out to the Apartment Rental Office XXXX XXXX XXXX to inform them of the situation because the Police was involved they continue to ignore my communication regarding my safety and using my security deposit for relocation. I got grant from the State showing I was approved for relocation money documents on file showing this event. With no warning or 30 day notice on XX/XX/XXXX I got a call from my frantic Babysitter XXXX XXXX that she was locked out and cant get in. I immediately left my job upon arrival I called a locks smith got into my place we immediately notice items was stolen before my items was even remove from the apartment. My security deposit was in the amount of XXXX which I uploaded they kept. To insult to injury after being XXXX from previous event that took place on XX/XX/XXXX I had to deal with getting robbed by the apartment complex maintenance men along with them covering up their actions in keeping my deposit, ruining my credit, stole all of my electronics has I provided in my documents. I have submitted police reports and they continue to try to hide the corruption. XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX Fl, XXXX phone # XXXX. This Company Goes by several other names such as XXXX XXXX. I have sent several emails to them and they just ignore they fact that their lying and I don't owe any money to them. Not only did they ignored my plea they stole many valuable items from home in the process in trying to destroy my credit .When I contacted the collection agency they sent me letter Stating the Creditor stated I owe money because of Soda Damages? Just so they can accumulate a fake debt to cover up what they have done. The apartment had no damages at all because I was not in there for that long. Please look at the dates on everything they send because it doesn't add up. They know I'm a struggling mother and they want to take advantage of that during a time I was assaulted.

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 2020-05-01
Company: Experian Information Solutions Inc.
State: GA
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 am writing to you in reguards to XXXX XXXX still being on my credit report. Experian stated there is no such info on my credit report. Now I have XXXX and it monitors my credit report and it still shows it. I have enclosed copies to show you that it still is under derogatory items which has cause my credit to drop 36 points. I enclosed what my credit report is showing and the court paperwork stating it has been dismissed. Once again I am asking for it to be completely removed

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 2019-09-30
Company: LCO Financial Services, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
-- i needed a loan and was approved for {$1000.00} at {$280.00} a month for 9 months as i was told over the phone -- -- i knew this was excessive but i had an emergency and need funds quickly -- -- -- -now the company is taking {$230.00} every two weeks for 18 weeks -- this is an insane amount of money for such a small loan and i feel i was taken advantage of -- -and lied to on the phone -- i need help -- i have XXXX   children in colledge and i dont know what to do -- -- -I recieved the  funds on XX/XX/2019 {$260.00} with drawn from my account on XX/XX/2019 -- only {$4.00} towards principal {$280.00} withdrawn from my account on XX/XX/2019 -- only XXXX towards principal {$280.00} withdrawn from my account on XX/XX/2019 -- -only {$5.00} towards principal

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 2022-04-25
Company: EQUIFAX, INC.
State: FL
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. The list of accounts below has violated my federally protected consumer rights to privacy And confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: EQUIFAX, INC.
State: MD
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:
Ive filed disputes with all XXXX  Equifax XXXX  requesting time remove inaccurate info on my credit report and they have failed to do so! Ive submit proof that XXXX XXXX XXXX and XXXX  XXXX is reporting inaccurate information on my credit report. All there is 13 hard inquiries that needs to be removed due to the fact I never received credit from companies nor applied with companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian has a spouse and I do n't have a spouse. 

XXXX who is this and there not my spouse.

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 2019-05-06
Company: MoneyLion 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: Account status incorrect

Complaint:
I have a lone and paid it off in XXXX but in XXXX they put i was delinquent on payments on my credit report thats i was more than 30 days late on payments which is not true. Moneylion had an system error when i put my payment through which i was not notified of till a notification came to my phone about my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My friend sent me {$400.00} over Square Cash on XX/XX/XXXX. Square Cash has a feature where it immediately sends the money to the debit card on file. I had a XXXX XXXX debit card associated with my Square Cash account. I had closed my XXXX XXXX  bank account the same day. 
The funds never arrived in the XXXX XXXX account. I opened a CFPB complaint, as well as a dispute with XXXX XXXX, and they got back to me stating that there was a credit and debit for that amount on the same day, as a result of which no funds actually arrived in my bank account ( letter attached ). 
I followed up multiple times with Square Cash and they said that the payment processor confirmed that the funds went through and were never debited ( screenshot attached ). 

So, I'm in a situation where the sending party ( Square Cash ) is saying that the funds were successfully sent, but the receiving party ( XXXX XXXX ) said that they never received the funds. 

I had opened a previous CFPB complaint to this effect with Square Cash as well as XXXX XXXX. XXXX XXXX   promptly responded but I have yet to hear from Square Cash ( it's been over 60 days ) Square Cash 's payment processor owes me the {$390.00} ( which was the net amount that was to be received ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
Fraudulent Inquiries.

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 2018-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been having issues with Bank of America delaying posting electronic transaction from other institution and also levying overdraft charges to my account while it is still in the positive. 

In that specific instance I had {$350.00} sent to Bank of America on Tuesday XX/XX/XXXX,  which was supposed to be received on Thursday XX/XX/XXXX but yet again was not posted until Friday XX/XX/XXXX. Meanwhile on that Friday I received an email stating that my account is overdrawn. But when I pulled my online transaction history as you may see on the attached screenshot, my account was never in the negative. 

So on Saturday XX/XX/XXXX, I called Bank of America at XXXX XXXX EST, I had to wait 11 minutes to speak to an associate who put me on hold and came back with a scripted response then when asked for his manager XXXX, which I had to hold for 40 minutes to speak with his response ( summary ) it is my responsibility to check that the funds were there. But my question is where is the bank responsibility to post received funds on time? 

Although that I dread about filing this complaint, could the bank please provide adequate response to : Why the online transaction history is not mirroring their claim of insufficient funds? 

Why do the bank have additional processing delay time for electronic funds received from other institutions? 

Why does it take 11 minutes to get to an associate, 57 minutes for the manager to be take the escalated call, and a total of 1 hour and 6 minutes for a simple transaction question call?

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 2021-03-04
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XX/XX/21 XXXX XXXX called me while I am high risk and XXXX harassing me about a {$6000.00} debt that my father supposedly owe. I have nothing to do with my fathers expenses nor do I live with him. He was threatening me with bringing both my dad and I to court when Im not even on the debt or have anything to do with it. He was threatening to seize my dads property saying that its illegal as my deceased mom is still on it. He caused me such distress with his antics, threats and harassment that I ended up in the ER due to him causing me a XXXX XXXX and my XXXX racing. He even told me to pay {$4000.00} as a settlement to have this just go away when the debt has nothing to do with me.

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 2018-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XX/XX/2018 Credit Inquiry from XXXX XXXX XXXX I applied for credit and my credit report was locked and I was still charge an inquiry for a report they didn't receive. This incident also happen with other companies as well and now I have proof they never receive a report but claiming that they gave it to 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 2020-05-01
Company: JPMORGAN CHASE & CO.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with convenience check

Complaint:
Ink from Chase credit card. A check was written payable to me for zero percent financing through XX/XX/XXXX. I wrote a check on XX/XX/XXXX ( that's when it was on the credit card statement ) but have no record of the check being deposited into any of my savings or checking accounts. My bookkeeper is working on my books for XXXX and noticed that the {$9500.00} was never deposited to any of my accounts. XX/XX/XXXX My bookkeeper and I called Chase and asked to get a copy of the front and back of the check to see who endorsed the back and where it was deposited to and they said they couldn't give us that information.Our first phone call the Chase employee said they couldn't hear us talking anymore and hung up on us, we called back and asked for a supervisor. The next Chase employee said the supervisors were in a meeting and that he would try to help us. We told him what happened on the first call and he was nice and tried to help us. In the end he said he couldn't get that information for us that we'd have to call the dispute department, they would have more details on the transaction. We called the dispute department which was a 50 minute hold time without success. They said they could not give us this information. I don't know if I dropped the check on the way to the bank and someone else cashed it or the bank didn't put it in the my checking account. I am XXXX years old and it's been difficult trying to get this resolved. That is a lot of money to not know where it went.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: Exeter Finance Corp.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is my work phone number. It is clear when you call and listen to my voicemail that it is a business line. They have not tried to contact me via my personal line. I do not appreciate continued phone calls while I am at work. The 3 -4 times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-18
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
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:
Still an issue within Santander Bank on credit card ending in XXXX that they ( bank ) are reporting to Experian. This are a matter that been in dispute since year XXXX when same account were charged from 2 different Banks, at the time XXXX XXXXXXXX XXXX and Santander ( previous XXXX XXXX ) that  became reach an amount of {$3100.00}!!! 

On XX/XX/XXXX XXXX XXXX, a representative of Santander sent a letter that say ( I do write the citation ) " In reviewing this matter, you opened a credit card with XXXX XXXX XXXX ( XXXX  ), which is an affiliate of XXXX XXXX XXXXXXXX ( XXXX ), in XXXX. The servicing of the credit card was transferred from XXXX to Santander in XXXX. As a result, any information on your credit report prior to XXXX would be the responsibility of XXXX and / or XXXX " 1 - I believe XXXX XXXX not aware what she did state, how could you be so affirmative of that when I have a Statement from XXXX XXXX, its the XX/XX/XXXX statement from the Bank, I do have more statements. 
2 - I do have the doc 's that XXXX sent Credit Card attached. its all genuine docs from Santander, XXXX XXXX. 
3 - I don't know about XXXX, XXXX XXXX XXXX, and SantandeXXXX ( previous XXXX ) are what appear claiming money on Credit Report. 
4 - Your letter that state like " Santander wash its hands on this " well, not so fast. do you really think I were so XXXX throw lies to the air without proves? No, I'm not so easy, not at all!!! 
5 - XXXX XXXX don't say what you may think would be more easy for you, or I may ask, are you trying divert things without being doing the correct thing? 
6 - I do have a original doc dated XXXX, XXXX that state " 3 Payments Past Due ''. This statement are what should be appear on XXXX  Credit Report, its the fair Report to do before you come always within the usual stand " The credit card was charged off on XX/XX/XXXX and the debt paid off on XX/XX/XXXX. 
What XXXX in perfect mind would paid same account to 2 different Banks? ANY out there? 
I did paid when things were clear, I believe so many out there would not care. 

Honestly, I care how much this could affect the Bank reputation, I believe I had been sweet until now, BUT, I will always come with more proves if in any moment I felt there lack of interest to solve this ...

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 2018-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
RE : XXXX I applied on XX/XX/XXXX for a bank of america cash back credit card that I personally received an exclusive offer online after logging into my account. They were extending an offer that included the benefits below along with {$150.00} additional cash back for applying. Currently, I have a bank of america card without any reward or membership benefits attached. 

On XX/XX/XXXX I received a letter from back of america in the mail stating my application was denied due to : Sufficient utilization of your available credit one or more of your deposit accounts with us/or our affiliates were overdrawn limited deposit and/or investment balances with us and/or our affiliates None of the above reasons is applicable to my credit history or banking relations, I do have available credit in my current cards as I don't abuse, never had an overdrawn account there is enough assets in my account and finally I use bank of america as my primary back, with other banks I have a relationship that has sufficient cash flow unrelated to bank of america. 

I have received an letter that does not apply to my current status and feel that bank of america is abusive to their client with giving them offers and withdrawing without truth to their statements.

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 2021-03-08
Company: Mr. Cooper Group 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: Account information incorrect

Complaint:
It is my mortgage and the fraud on these loan modifications! I found out my 30 year mortgage is now extended over 40 or more. Years?? I moved in XX/XX/XXXX. I am XXXX now. I can not lose my equity i always paid and battled 2 XXXX  which made me eligible for loan modification. However! 3x I was increased and the servicer added extensive years and fees when I was just 30 days late or maybe in XXXX with a major water emergency which I paid XXXX in excavation outside my condo. Not even my responsibility. But since XXXX I lost XXXX net a year overpaying! Taking all my savings and to be trapped in yet another mod for crazy number of years. It stole my equity! It took my mortgage out where I will be stuck in my XXXX paying! No! These services are all doing it wrong and this is why there are so many complaints. I know the law as a XXXX XXXX XXXX. I saw it happen to my customers and it is now happening to me! I was very XXXX  on XXXX XXXX past 6 years. I am finally well and addressing all these mistakes. They must correct my account. My home was only XXXX 20 years ago I put XXXX down. I refinanced only one time in XXXX to pay XXXX in credit card debts. I never took any cash out. Ask XXXX XXXX to tell you my loan balance and see what now mr cooper repeating the same mistakes that seterus who close their doors and prior XXXX They all fraud. I am living proof and it ends here!! 20 years of equity and why am I am homeowner losing???? Unacceptable tactics and must be corrected. I am not going to be able to keep up this pace and be stuck paying in my XXXX from owning my home at XXXX now XXXX! They are robbing home owners on these loan mods they are transferring names and repeating the same crooked tactics the services and banks robbing home owners. It must end. I have a claim in with XXXX XXXX I opened a case. I will take this to the news if we don't correct it. Also I want my modification of XXXX or XXXX back enough once I found out my class action only paying each home owner XXXX when I lost XXXX that was needed for my savings and the number of years when I was on time for all 20 years maybe one month late. It has to be updated and corrected!

Company response to consumer: Closed with explanation