BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-25
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
My son took a loan from an online app called Cashnetusa on XX/XX/2019, and received a cash advance on XX/XX/XXXX. When he realized how much interest he was being charged, he asked us to help him pay off the loan. 

On XX/XX/2019, we spoke with a collections center representative by conference call to pay off the loan. The company would only accept a same day payment from a debit card and would not accept an ATM card, credit card or ACH bank same-day payment. 

The ACH bank payment would not go through until the following Monday, meaning they would charge us an additional three days of interest. 

We asked to speak with a manager, but the representative said no manager was available to speak with us immediately. We asked to speak to a manager again and the representative put us on hold for 20 minutes. We eventually ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2017-12-10
Company: Green & Sons Agency, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I made every attempt to contact XXXX XXXX XXXX with no response. I responded to one letter they sent me stating they are trying to collect on an invalid debt with no response from them. I have even written a letter to their attorney explaining the situation with no response from them either. The debt they claim I owe is completely invalid and will not be paid to them under any circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar is not posting payments in the amount received. We are sending XXXX they are only posting XXXX. They are also not posting in a timely manner. We paid our XX/XX/XXXX payment XXXX/XXXX/16. As of the statement we received on XXXX/XXXX/16, the payment does not show how much went to Principal and interest. The online website does. Also their statements are only sent out 4 days before the duedate. See XX/XX/XXXX statement date of XXXX/XXXX/16 due XXXX/XXXX/16. We have made our XX/XX/XXXX payment on XXXX/XXXX/16 and it has yet to show on their website or the statement. It is taking sometimes up to a month to post a payment. 
They are also charging a XXXX legal fee. after much discussion and no reason as to why that was charged they finally removed the charge. This has happened every month since they bought the mortgage. 
I have tried every month since XXXX 2016 to resolve the issue with the payment amount without success,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have multiple charges on my credit file from XXXX XXXX XXXX claiming a debt from XXXX XXXX In addition to the accounts timeline over lapping one another this is not my debt. Also XXXX XXXX XXXX are attempting to collect a debt that has already been paid. And my XXXX XXXX XXXX XXXX account was settled through a collection for a lesser amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: CA
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:
I received my credit report on XXXX and noticed there were hard inquiries that dont have permissible purpose to be on there. These hard inquiries are hurting me for getting approved credits and loans. I already reached out to the credit bureasus about this multiple times and they keep violating my rights under 15 USC 168b. 

XX/XX/3 - hard inquiry - XXXX XXXX XX/XX/ - hard inquiry - XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX  - hard inquiry - XXXX XXXX XXXX XXXX XXXX - hard inquiry - XXXX XXXX XXXX XXXX XXXX XXXX  - hard inquiry - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
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:
I am having a very big issue with information reporting on my credit file that is NOT MINE. I have disputed it with all three bureaus and every time I do they add more accounts that are not mine. I realize I have a very common name but they are not validating with these creditors properly. I don't know where else to turn. The are showing medical bills to places I have never been, times I know for a fact that didn't even have medical services. These companies are saying certified THEY ARE NOT MINE!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: VA
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:
Doing to the fact of ongoing disputes to these companies I am seeking compensation of {$2000.00} for each company due to the violations of my rights which their violated 15 USC 1681 A, and violation of 15 USC 1681 B2 I am seeking documentation in regards of my consent to these companies they are furnishing my credit report without written consent from me they should remove every inquiry off my credit report without documentation of my consent, it states in 15 USC 1681 B2 they have to have written consent from me to furnish my credit report and I didn't give no consent to none of them 15 USC 1681A, accuracy My credit report is not accurate at all due to these companies that do not have my consent to furnish my credit report, this is not my first time disputing this I believe that they aren't not doing the investigation like they should they are not reading the codes they are just verifying the debt which I am not trying to verify the debt I am disputing the accuracy that is on my credit report and the consent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: CL Holdings LLC
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 information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Credit Reporting Agency ( XXXX, XXXX XXXX, or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX Collection Agency, account number XXXX, NEVER HAD THIS ACCOUNT XXXX -XXXX  XXXX XXXX, account number XXXX, NEVER HAD THIS ACCOUNT PLEASE HAVE THIS INACCORATE INFORMATION REMOVED AT ONCE. 
XXXX CHILD SUPPORT COLLECTION AGENCY, ACCOUNT # XXXX IS ON MY CREDIT 2X WITH A XXXX AND A XXXX THIS IS NOT MINE, XXXX CHILD SUPPORT COLLECTION AGENCY ACCOUNT # XXXX IS ON MY CREDIT REPORT 2XFOR THE SUM XXXX THIS IS ALSO NOT MINE BOTH ACCOUNTS WERE OPEN ON THE SAME DAY, PLEASE HAVE THE inaccurate INFO REMOVED FROM MY CREDIT FILE.As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : Date of Birth : XX/XX/XXXX XXXX : XXXX As proof of my identity, I have included copies of my, Social Security card, drivers license, I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-11
Company: Navient Solutions, LLC.
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:
I am a victim of the XXXX college scheme and i was enrolled at the time of its closure. All my my loans were discharged and should be due to not completing the program due to its closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to bring my mortgage out of forclosure and my account current since XXXX of this year. Each time I am told that a reinstatement letter with the total amount due must be generated. 
I specifically asked that the letter be e-mailed to me upon completion to expidite the payment process. Instead, the letter, which has a ten-day expiration ( why not 30 days? ), is not e-mailed, but held, and then sent through regular mail. Each time the reinstatement letter has arrived in my mailbox already expired. 
I feel that this is being done to prevent customers from making payments, which in turn generates fees for attorneys and causes customers to lose their homes to forclosure. 

This has happened with reinstatement letters sent with the following dates : XX/XX/19, expiration date XX/XX/19, XX/XX/19, expiration date XX/XX/19, XX/XX/19, expiration date XX/XX/19 XX/XX/19, expiration date XX/XX/19. 
I don't this is a coincidence.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have my mortgage currently with Nationstar Mortgage. In XX/XX/XXXX/XX/XX/XXXX, I was notified by Nationstar that my policy needed a floodi insurance policy attached and that if I did not provide proper documentation they would buy for me and charge me accordingly. XX/XX/XXXX, I faxed a policy overview of flood insurance my HOA had secured for its tenants and for which I paid for already. When I called the Nationstar customer service to confirm they received my fax, I was told I sent only XX/XX/XXXX-XX/XX/XXXX and then needed XX/XX/XXXX-XX/XX/XXXX as well. So I sent the requested proof to them in the same month. Skip forward to XX/XX/XXXX and I am told that my monthly premium is increasing XXXX dollars per month. I called the customer service because I was quite alarmed. The rep told me that it was Nationstar 's policy to hold 2 times the escrow amount in my escrow account for safekeeping. TWO TIMES. I told my friends and family this since I was upset and they told me that it was completely unreasonable and I should fight it. I called Nationstar again in XX/XX/XXXX to find out again why it was going up {$300.00}. The rep this time told me that I was misinformed and that they only withhold 2 MONTHS worth of escrow for safekeeping - fine, but still why the extra {$300.00} a month? After much searching we find out that they were withholding for flood insurance. The very same insurance I had provided proof I already had through my HOA. I told the rep that I had sent 2 faxes. The rep said he found the first one from XX/XX/XXXX-XX/XX/XXXX. I said I definitely sent a 2nd one for the current year and to check. He said that he found it but no one had updated the system to say that I had flood insurance and that Nationstar did not have to add it to my account. So I have been overcharged for someone 's mistake. And they told me they can fix the error but it will take 30 days to be corrected. So I asked technically for my next payment I will still have to pay the overcharged payment? They told me yes, but after the they reanalyze my escrow, my payment would most likely decrease since I have been overpaying.. I asked if they will reanalyze automatically when the money returns to my account. The rep, XXXX, told me that I would have to CALL THEM TO REMIND THEM BASICALLY TO THEIR JOB. Incredulous! 
I am now waiting for my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: EQUIFAX, INC.
State: NY
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:
Ive been trying to get to the bottom of some accounts that are reporting on my credit. According to the consumer laws designed to protect against noncompliant reportings, there should not be account listed on my credit that are inaccurate, incomplete, unverifiable. In this case I have spent money corresponding with the bureaus with no avail. I feel like they are taking my issue lightly. I have called an attorneys office that I found online and they guided me to your CFPB website as the next step. I have highlighted the inconsistencies on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: Penn Credit Corporation
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been repeated calls from the number XXXX at my home number, XXXX for the past several months now. The number, which is listed as unavailable on my phones Caller ID, does leave a message that they are in essence trying to contact me regarding important personal business. The voice in the message is male with somewhat of a southern drawl. I have answered the phone a couple times, but when I do and try to see what the message or the call is about, I get a message saying something about the person they are trying to reach, but the name is unintelligible because it is done by a computer and it is very hard to make out. I have tried contacting the FTC about this since I am on the Do Not Call list. But nothing has been done about this. I usually get at least one call per day from this number, and I have saved up to about 15 of the most recent voice mails from this number on my home phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: EQUIFAX, INC.
State: TN
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 SSN : XXXX Incorrect Information On Credit Report ( Wrong Address, Fraud, Incorrectly Shows Account Still Appearing ) Fraudulent Address & Negative Account Information Appearing On Credit Report. I'm Not Familiar With Addresses ( XXXX XXXX XXXX XXXX, XXXX, TN XXXX ) Associated With " XXXX XXXX XXXX' After Contacting Creditor Directly ( XXXX XXXX XXXX XXXX, TN XXXX ) And ( XXXX XXXX XXXX XXXX XXXX, AZ XXXX ). I Uploaded A Picture Of My Government Issued ID That's Attached For Current Correct Address Including IDTheftReport From XX/XX/20 And Updated Corrected Consumer Statement : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION XXXX BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX. 

XXXX XXXX : XXXX. CONTACT CONSUMER AT ( XXXX ) XXXX Or ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Block, Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was awarded a refund {$36.00} on XX/XX/XXXX from XXXX on XX/XX/XXXX two refunds of {$7.00}, which left a remaining {$21.00} that i did not receive. After reaching out to XXXX multiple times it turns out the issue is actually with Cashapp. XXXX has released the refund multiple times but Cashapp is not letting it go through. I received an email this morning ( XX/XX/XXXX ) at XXXXXXXX XXXX saying that again XXXX released a refund and even manually did it. When i went to Cashapp my balance jumped to {$36.00} for a second then dropped back down to {$14.00}. I reached out to Cashapp support yesterday and today both times they acted as if the refund did not exist, even though they gave me partial refund from the same transaction, and when i provided proof that it does exist and that they still have not given me the rest with screenshots they then would say they told me all they could regarding the situation and leave the close the chat or hang up the phone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Waypoint Resource Group, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Disputed the entry on my credit bureau report requesting debt validation. No debt validation received. Also, I have not received any written communications from this collection agency pertaining to the debt from XXXX. Right to dispute was never granted prior to placing the account on credit bureaus as a debt for collections and damaging credit ratings.

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 2022-10-11
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: Investigation took more than 30 days

Complaint:
on XX/XX/2022 i sent letter to equifax, XXXX and XXXX however its been passed the 30 day mark and have not sent me back anything and according to the law 15 US 1681i

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX XXXX, 2021 I received XXXX XXXX Payment for my son minor child XXXX XXXX I have and account with Chime Bank third party banking for XXXX XXXX  the told me that they never received the funds from Social Security, I was told to contact XXXX XXXX when I did the inform me that the fund was send out and accepted by this Bank I then called the Bank they still told me that they did not have these fund Social security contacted the US Dept of Treasury which they said the funds was send and accepted by Chime Bank. When I called chime back I ask for verification that they did not received these fund and can they send me an email they stated that they can not send me this stated because they do not send out emails they have been emailing me all day. I also inform them that I have vbeen recording the conversation. So yes I have a video of the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I paid an auto parts {$1400.00} seller through a paypal invoice and selected the advertised 6 month interest free financing offer after signing up for Paypal Credit. Paypal Credit coded the sale as a cash advance instead, and began charging interest for the transaction. After calling to resolve the problem, they insisted on continuing to classify the transaction incorrectly and continuing to charge interest. The only remedy they offered was a review that could take up to two months to complete, and which was not guaranteed to solve any of the problems, which would then leave me on the hook for 4 months worth of interest by the time I knew their answer. They are engaging in deceptive practices by offering this rate at checkout, then failing to honor it when they bill it to the statement.

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