BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-19
Company: Block, Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/XXXX at XXXXXXXX XXXX I tried to withdraw {$800.00} from an ATM using my Cash App Debit card. The transaction was canceled, and no money was received, but the money was taken out of my account. I was trying to take the money out to pay truck payment and my family 's home electric. I've disputed the issue with cash app and have been working with the bank which the atm error occurred, XXXX XXXX XXXX XXXX XXXX XXXX XXXX received the dispute from Cash App, XXXX XXXX sent the dispute to their dispute department, where their dispute department accepted the dispute and sent it back to Cash App. Cash app continues to deny my disputes even with proper evidence to support my claim. The past few weeks have been a severe struggle not having that money to pay for truck, electric, fuel, and food. Cash App representatives continue to disconnect the line middle of conversation. The only update they give me is that its processing in a different department. They can't connect me to that department and the cant even send a note to my claim to that department to attempt to fast track my claim, so my family is hurting anymore. I believe that Cash App has unethical ways of doing their services and support. I am not the only one to have experienced this with Cash App and most people give up and don't ever see their money. Cash App representative 's do not care to help. I am a XXXX  veteran that should not have to stress on whether I will see my money again cause a large corporation has a hold of it and are not willing to do some work and get it straightened out. I am a very upset American XXXX veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I suddenly lost access to my HSBC US account in late XX/XX/. The error message displayed was " User suspended, '' instructing me to contact customer service for assistance. Consequently, I immediately reached out to HSBC US and was informed that my account was under review, with a request to patiently wait. No specific reasons were given, just an instruction to wait. I am well aware that my actions have not violated any rules or regulations, and all the funds in question have a legitimate and transparent source. They are all my own funds. 

After approximately a week, I inquired with HSBC US again, and they still did not provide any reasons, citing that it was confidential and asking me to continue waiting. During this time, I repeatedly contacted HSBC US, but I received no clear information or resolution. My account remained inaccessible, and my funds were trapped, leaving me unable to use them.Due to having some funds in HSBC US and an urgent need to make a credit card payment to HSBC US, the account lockdown has rendered me unable to process the payment. This has almost led to a late payment and the potential for a negative impact on my credit score, which is causing me significant distress.

I feel that HSBC US is unfairly discriminating against XXXX customers, locking the account without any justification. It has now been nearly XXXX months, and I have reached the limits of my patience. I am requesting assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: NJ
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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

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 2019-04-23
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I found out from the credit reporting bureaus XXXX, XXXX and XXXX XXXXhat there was a negative account under " LVNV Funding LLC '' under account number XXXX. Resurgent Capital Services/LVNV has failed to provide any legal validation or a dunning letter in accordance with the Fair Debt Collection Practices Act. I am seeking proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased. I have sent several letters, including notarized formal validation letters seeking this verification and to this date Resurgent/LVNV has failed to provide the information requested. Resurgent/LVNV is clearly in violation of the Fair Debt Collection Practices Act and I will seek legal action against this company for the practices if the issue isn't resolved immediately.Resurgent/LVNV Funding has not provided the undersigned with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that LVNV Funding has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that Resurgent currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that neither LVNV Funding or Resurgent Capital Services possesses adequate documentation to collect this alleged debt. In order to provide proof that this is a legitimate debt of over 7 years and they have the right to collect this debt.Until the above referenced documentation is provided, the undersigned 's position is that this debt does not exist and a reporting error has occurred. Finally, unless this documentation can be provided, Resurgent/LVNV Funding shall immediately remove this account from all three ( 3 ) credit reports and shall be subject to any and all costs, including attorneys fees, should I pursue this matter further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the credit reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no report containing any of the following iter other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C. 16818-2 ( A ) ( 1 ) A person shall not furnish any inform : consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Experian Information Solutions Inc.
State: MD
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:
I looked at my credit report today and it has my name on there mispelled.

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 2018-11-29
Company: Nelson Cruz & Associates LLC
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2012, due to rough life circumstances, I had a van repossessed. In XX/XX/2017, a collection agency by the name of Nelson, Cruz, and associates contacted me about a debt that was turned over to them by XXXX XXXX XXXX for said van. XXXX XXXX XXXX ( who conveniently no longer works for Nelson, Cruz and associates ) offered me a settlement to get this debt paid and cleared off my credit and I have the settlement letter I was sent. I agreed to the offer and began to make the monthly payment we agreed upon. After about XXXX to XXXX of making on time payments, XXXX XXXX called me back and said if I would just pay XXXX lump sum payments totaling {$1000.00}, they would consider my debt paid in full. I sacrificed to make those payments but I did, and I also have the letter that states I made my payments in full, on time, and that there is now a zero balance on behalf of XXXX. However, I've been calling XXXX to find out why they're still reporting me to the credit bureau and they are now ( over a year later and my offered settlement was paid ) XXXX XXXX and XXXX XXXX, directors with XXXX, are trying to tell me that they never approved the settlement amount that Nelson Cruz, the collection company they hired, offered me and they refuse to honor it and demanding I pay them an additional amount of over {$4300.00} for them to just remove this from my credit!! I need help, please.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: Experian Information Solutions Inc.
State: CA
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:
I have tried multiple times to pull my credit report with multiple different company 's. I have tried to pull my credit report with XXXX XXXX and was receiving dashes for all of the information. I reached out to the three credit bureaus and they stated all of my information was correct. I waited about a week and tried to pull my report through XXXX XXXX again. Now it was reporting information but said it was last updated XX/XX/2018. I reached out to the three credit bureaus again and they stated all of my information is correct I should not have an issue. I waited another week and tried through XXXX XXXX again and I had a XXXX score with XXXX but showed I have no credit history. XXXX was showing dahes. I had no score with XXXX. I reached out to all three of the credit bureaus again and they stated they have my social and all of my correct information but XXXX XXXX still is not showing me having any credit at all. I have tried to pull my credit report with all three credit bureaus through XXXX XXXX and received an error stating my social was not correct. I contact all three credit bureaus and they stated that my social is correct. I tried XXXX XXXX 2 more times and was still not able to get any information. Also, I have tried pulling my report through XXXX and was able to access my report for XXXX and Experian but it shows I have no credit at all. XXXX would not let me even access my report. I have done contacted each of the bureaus 6 times and still have no information reporting.

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 2022-12-13
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the XXXX XXXX XXXX XXXX. I researched on how to remove the fraudulent accounts and infroamtion in my report and found that I need to visit XXXX XXXX XXXX or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts and listed on an XXXX XXXX XXXXeport. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed XXXX {$2000.00} XXXX XXXX XXXX  Balance Owed : {$200.00} XXXX  XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXXXXXX Balance Owed : {$6100.00} XXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX XXXX XXXX Balance Owed : {$650.00} Medical XXXX Balance Owed : {$140.00} XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged XXXX XXXX not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am following up on case XXXX. While the issue was once resolved, it has now resurfaced. Please read below. 

I refinanced my mortgage through XXXX XXXX. I closed on refinancing on XX/XX/2019. I was directed by XXXX XXXX  to make my monthly payment to XX/XX/XXXXXXXX XXXX, their loan servicer. I made a monthly payment as well as two payments toward the principal. In total, I paid XX/XX/XXXXXXXX XXXX {$3500.00} between XX/XX/XXXX and XX/XX/2019. Of the {$3500.00}, {$1200.00} was interest, {$480.00} was escrow, and the rest went towards my principal balance Sometime in late XX/XX/XXXX, XXXX XXXX  sold my loan to Suntrust. 

On XX/XX/2019, I filed a complaint against SunTrust through CFPB. The case number was XXXX. After several weeks of waiting, the issue was finally resolved in my favor with the {$1200.00} applied as of XX/XX/XXXX and my payment due XX/XX/XXXX applied as of XX/XX/2019. At this point, I thought the issue was resolved. 

On XX/XX/2019, I received three letters in the mail from SunTrust stating that the {$1200.00} of missing payment was transmitted to Suntrust from XXXX XXXX XXXX  ( XX/XX/XXXX ) on XX/XX/2019 and that the order of payments had been adjusted to ensure the proper allocation towards principal and interest. 

On XX/XX/2019, I received an email from SunTrust saying the check for {$1200.00} had bounced. I called the SunTrust Mortgage customer service number and was told a stop payment had been placed on the aforementioned check. As of XX/XX/XXXX, my mortgage principal balance does not reflect the {$1200.00} paid to XXXX  XXXX XXXX in XX/XX/XXXXof 2019. It also does not reflect the {$2200.00} I paid to SunTrust on XX/XX/2019. I spoke with XXXX XXXX in the Mortgage Payment Solution department who said she would ensure the XX/XX/XXXX payment was reapplied in the interim to ensure my account was not in default. 

As of XX/XX/2019, my mortgage balance is misstated as it does not contemplate the {$1200.00} I paid to XXXX in XX/XX/2019. The payment on made on XX/XX/2019 will need to be adjusted to account for the correct amount of principal and interest.

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 2023-10-04
Company: Cascade CISS Holdings, LLC
State: TX
Product: Credit reporting 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:
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 The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consume 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 15 U.S.C 1681s-2 ( A ) ( a ) 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 that the information is inaccurate. 


Delete the accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XACTUSXXXX XXXX XXXXXXXX XXXX XACTUSXXXX XXXXXXXX XXXX XXXX XACTUSXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I took out an auto loan from Navy Federal in XXXX of XXXX for the purchase of a new vehicle. Due to the global pandemic I was unable to register the vehicle. I had an appointment in XX/XX/XXXX, but was unable to register the vehicle at that time because I do not have the title paperwork once again GLOBAL PANDEMIC. I notified Navy Federal about this, and did not hear from them on this matter any further. Today I logged into my Navy Federal account to schedule my next payment, and low and behold the interest rate went from 4.25 % t0 16 % with no notice. The extremely rude agent on the phone says the only notification I received about this was in the disclosure documents, and essentially acknowledged I didn't receive any further notification from Navy Federal. I also did not hear from Navy Federal further after notifying them in XXXX of XXXX. I have made all of my payments on time since taking out the loan, and now my payment is 50 % higher than it was last month literally overnight.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have tried multiple times to pull my credit report with multiple different company 's. I have tried to pull my credit report with XXXX XXXX and was receiving dashes for all of the information. I reached out to the three credit bureaus and they stated all of my information was correct. I waited about a week and tried to pull my report through XXXX XXXX again. Now it was reporting information but said it was last updated XX/XX/2018. I reached out to the three credit bureaus again and they stated all of my information is correct I should not have an issue. I waited another week and tried through XXXX XXXX again and I had a XXXX score with XXXX  but showed I have no credit history. Transunion was showing dahes. I had no score with Transunion. I reached out to all three of the credit bureaus again and they stated they have my social and all of my correct information but XXXX XXXX still is not showing me having any credit at all. I have tried to pull my credit report with all three credit bureaus through XXXX XXXX and received an error stating my social was not correct. I contact all three credit bureaus and they stated that my social is correct. I tried XXXX XXXX 2 more times and was still not able to get any information. Also, I have tried pulling my report through XXXX and was able to access my report for XXXX and XXXX but it shows I have no credit at all. Transunion would not let me even access my report. I have done contacted each of the bureaus 6 times and still have no information reporting.

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 2023-02-28
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XXXX Dear Sir/Madam, I am writing to dispute the negative items that appear on my credit report. I am particularly concerned about the following accounts : XXXX XXXX XXXX late payment account XXXX XXXX XXXX XXXX charge off account XXXX XXXX late payment account XXXX XXXX XXXX late payment account XXXX XXXX XXXX late payment account XXXX XXXX late payment account XXXX XXXX XXXX charge off account XXXX XXXX XXXX Collection account I understand that these negative items can have a significant impact on my credit score and my ability to access credit. However, I believe that some of these items are in error, and I would like to request that they be removed from my credit report. 

I also want to note that the impact of these negative items has been extremely difficult for me and my family. It has caused us a great deal of stress and anxiety, as we have struggled to secure the loans and credit we need to maintain a stable financial situation. 

Furthermore, I would like to remind you that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information that appears on my credit report. I request that you investigate these negative items and provide me with a detailed response explaining the results of your investigation. 

Thank you for your attention to this matter. I hope to resolve these disputes as soon as possible. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation