BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-07
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company National Revovery Agency is trying to collect a debt that they claim that I oue them in the amount of XXXX and are reporting such debt to my credit reports, also the debt they they say I oue them is not legally collectible because the statute of limitations on this claimed debt has expired in my state of Florida, I called them and spoke with them back in XXXX and they told me that they can still collect on this so called debt I oue them and report it still on my credit reports even past the legal statute of limitation for collection efforts I dont know this company and according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. And according to 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, Ive never given them consent to that nor have I ever done business with this company

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 2017-06-06
Company: Cascade Creditors Service, llc
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX XXXX began reporting a medical collection that was not submitted properly to my healthcare insurer. On XX/XX/XXXX - XXXX referred it to XXXX XXXX XXXX and the debt was reaged. From that time to XX/XX/XXXX - both agency were reporting double on the same account. Seriously impairing my ability to obtain credit. I appealed via dispute several times but neither agency would act-continuing to report as verified. Finally inXX/XX/XXXX - XXXX removed the account duplication however Cascade continues to report this reaged and erroneous information. Cascade has not demostrated any relationship to the original creditor and I have had not information to verify this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: RIA FINANCIAL
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
Hello.my name is  XXXX   XXXX .i send it the amount of {$250.00} for my sister in my country and i was very specific with the lady whoever attemp my phone call than i want to my sister got the money in the window of the bank.but she did everything wrong.she put the money in  one account th an l never mention to her.my sister has to go two times to the bank.to try to got the money.and they told her than there is no money.available.that peace me off.because the has to waist ther time for no reason..this comp i s Ria  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
Consumer complaint received 2017-06-06
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Someone used my credit card to charge for devices I did not. This was reported to the credit card company but the vendor has since referred this to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I started an online applica tion with CIT on   XXXX   XXXX ,  2017 . There was a technical error where I was unable to click on a button on the web form, and I was unable to complete the application. I called in to get help with the application, but they said it was probably a typo. On  XXXX   XXXX ,  2017 , I received an email  for CIT  saying they were n't able to open and account and to call in if I had any questions. I called on  XXXX   XXXX ,  2017 , but I was unable to get an answer as to why an account could not be opened. I called again on  XXXX   XXXX ,  2017 , and after a lot of prodding, I was told I could not be found anywhere in the nation. The person I talked to did not believe me that there was a technical error, and that I was unable to complete the application. On  XXXX   XXXX ,  2017 , I sent an email detailing the problem and received an automatic response that I would hear ba ck in one to two business  days. I have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: Experian Information Solutions Inc.
State: IL
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:
CRA is in direct violation of fdcpa, fcra, state and federal consumer credit reporting laws.

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 2019-12-09
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-12-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/XXXX. I made a request for Credit from XXXX XXXX. I was denied and then received a notice that I could view my denial letter online. So following the instructions to view this the Words were the following " Based on a report from 3 Local Agencies it shows I am deceased. I assure you I am not deceased. I have attached the denial Letter stating I was deceased as well as I am XXXX XXXX since XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In year XXXX I bought an investment property located on XXXX XXXX XXXX, XXXX, Texas XXXX. There were two mortgages, one  {$80000.00} and the second {$15000.00} both financed by XXXX XXXX XXXX XXXX XXXX. Total {$95000.00} with a down-payment of {$6000.00} +.
<P/>
XXXX XXXX XXXX XXXX XXXX was then bought by Bank of America. In XXXX, I became sick with XXXX XXXX and still is till today, on XXXX. Due to my illness, I could n't go to the property to collect mails or rent the place. Two months into a foreclosure process in XXXX, Bank of America foreclosed on my property for FULL price. I called when I discovered that the house was foreclosed. Bank of America told me that FULL price was paid by XXXX XXXX who bought it and that I do not owe Bank of America any amount on the two mortgages. My three-bureaus credit reports started to reflect XXXX balance on both accounts.
<P/>
Then in XXXX, a company called XXXXl, located in XXXX, XXXX XXXX, Texas, XXXX started to call and write to me that I owe them {$15000.00} second  mortgage. Tel : XXXX.
<P/>
First, their letter stated that I owed XXXX XXXX XXXX, however, a note they called Alonge-to-note claims that they bought the second mortgage from Bank of America.
<P/>
I tried to obtain evidence of sale from Bank of America, BAC but BAC kept telling me that I do not owe them and that I should talk to their attorney because the file has been closed long time ago. Their attorney meanwhile said that only BAC can provide me the evidence of foreclosure sales I needed.
<P/>
XXXX then took me to court. To summarize, I was ill and couldnt appear in court the first time. I wrote to the judge with my complaints. The judge ruled against me WITHOUT EVIDENCE.
<P/>
The I went to the court the second time to see the judge who thought I lived in XXXX, Virginia whereas I live in XXXX, Texas near XXXX where his court is located.
<P/>
After passing judgment without evidence, he advised me to go to XXXX County to obtain the original sale papers and the Foreclosure sale papers. That I should compare the two to see what is owed.
<P/>
I did. Both papers show and proved what BAC said that I owe them nothing. However, the judge did not rescind in his judgement. He said I should go and get a lawyer to appeal it. I am on XXXX  and could not afford a lawyer.
<P/>
XXXX XXXX has been harassing me since then and accruing interest on the {$15000.00} which they now calculate to be {$19000.00}.
<P/>
PLEASE RESCURE ME FROM XXXX. I DO NOT OWE THIS COMPANY A PENNY.
<P/>
I will furnish you with necessary documents if you provide me the method ( s ) to.

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 2021-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
In 2019, I took a certification course by a company called XXXX. This certification was aimed to help advance my career. In 2019, I signed an agreement with XXXX  stating that if I met all requirements then they will waive the tuition fee ; this is also known as their " XXXX XXXX ''. 

After meeting and completing the requirements XXXX had set forth, they broke the promise and still said I owed them the tuition fee, which is about {$9300.00}. There were a lot of back and forth emails between XXXX and me regarding the tuition fee. They kept deflecting the argument and coming up with multiple excuses that I owe this money. 

XXXX XXXX, XXXX and University XXXX XXXX ( XXXX ) are two companies that Springboard uses to get anyone who signs up for the certification course to get a loan from them. I told XXXX and UAS that I dispute the loan and told them clearly over email that I do not owe this loan. My lawyer wrote them emails that I dispute this loan. 

Despite telling XXXX XXXX XXXX XXXX in written and verbal communication that I do not owe this loan and that I am disputing this loan, they ignored it and just kept twisting my arm that I must pay no questions. They are reporting it to the credit bureau, which I do not understand how that is fair. If I dispute a loan, then why am I required to keep paying when I do not owe this money. If I dispute a loan, then it goes on hold until a resolution is found. I find myself to be in a growingly difficult situation because they are reporting this to the credit reporting bureaus and tanking my credit score. I am currently in the process of finding a new home and having this on my credit report is making it difficult for me to get great mortgage approval rates. 

Can you help with my situation, please?

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 2017-06-05
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about XX/XX/XXXXvia email I was offered a 3.2 % 7/1ARM on a 30 year XXXX loan, not believing it I asked for email verification that that was the correct rate, XXXX XXXX of Huntington bank assured me it was. At that point I ok 'd her to pull my credit report and move forward with the loan. After she told me that actually she had made a mistake and the rate was really 3.9 %. She then promised to remove the credit pull from my record ( all in email ). Having harmed my credit the next place I had pull my credit gave me a less desirable mortgage where her intentional and willfull bait and switch could and did do serious damage to my financial future. I also have no evidence that this is n't a common occurrence at Huntington or with this terrible loan officer in particular and would like it further investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: Lending Club Corp
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a XXXX XXXX  account on XX/XX/XXXX through my friend 's referral link XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The referral bonus terms ( attached ) say that you only need to have {$500.00} in the account on the 60th day, which would be XX/XX/XXXX. On XX/XX/XXXX, I added funds to the account to get to a {$500.00} balance. I messaged support on XX/XX/XXXX if I satisfied the bonus requirements. She said yes and that I would get the bonus in 90-95 days. I asked if I could withdraw the funds and still be eligible. She said yes. I waited 96 days and did not receive the bonus. I asked support and they have changed the terms to have an average of {$500.00} over the first 60 days. These are not the terms I signed up for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-11
Company: BBVA FINANCIAL CORPORATION
State: CA
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:
My credit card was stolen in XXXX XXXX and fraudulent purchases were made on my account. I reported the theft and unauthorized charges to BBVA and was told they would open a dispute into those charges and take them off of my account. Months went by and I received no response, resolution, or deletion of charges from my account. Instead, BBVA hit me with Late Fees, and Interest Charges despite my having reported the fraud and offering a police report. 

XXXX XXXX I followed up on the dispute given I had still seen the charges on my account and subsequently charges that were added, as well as a negative impact on my credit. A representative assured me that he would file a new dispute on my behalf for this and that unlike last time, the process would be expedited. 

We are now in XX/XX/XXXX and that has not been done. BBVA has not only charged me for 4 months worth of late payments and interest charges, they also closed my account without communication and are illegally withholding my security deposit for my account. I have spoken to multiple agents who confirm BBVA made a " mistake '' in charges and the closure of my account yet refuse to rectify the issues in real time and maintain there's a network of different " departments '' who need to process the solution. 

I have opened a total of 7-8 cases with BBVA and have stayed on the phone with customer service for hours on end attempting to get answers and resolutions to their deceitful actions. I have been consistently hung up on, placed on excessively long wait times, denied access and communication to upper management, executives, corporate, and escalations.

I have been robbed. My credit has been ruined, and BBVA has chosen to hide behind a network of non communication.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
A few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items.

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 2019-12-09
Company: VW Credit
State: NV
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:
My husband and I bought a new car in XX/XX/XXXX and we were forced to file chapter XXXX bankruptcy shortly afterwards. This loan along with my mortgage were not included in the bankruptcy and were direct pay loans. My bankruptcy discharged in XX/XX/XXXX. Thereafter, I waited approximately 45 days for my mortgage and vehicle loan to start reporting again. I had to call both companies, and Volkswagen  credit refused to speak with me even though my BK was completed and all payments were current with them. Soon after I contacted my attorney to address the issue with not reporting correctly. Volkswagen then reported my account was closed to all credit bureaus as discharged when in fact the loan was outside of the BK, open, active and current. I disputed the account closed with all three credit bureaus, XXXX, XXXX  and XXXX to no avail. My attorney went back and forth with Volkswagen for 6 months and I got involved again. I contacted their credit department and when I received a call back they informed they forgot to send my title. I again told them I was still paying on the loan and I just wanted them to report it correctly to the credit bureaus and was told again that they would do that and it would take 60 days. I have now paid my vehicle in full and it still shows this account was closed over a year ago with all three bureaus and would like to get this resolved and updated to reflect this loan was in fact paid timely on a monthly basis, starting in XX/XX/XXXX after the discharge, the loan was paid in full and no longer erroneously show discharged in  bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11
Company: ENCORE CAPITAL GROUP 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: Was not notified of investigation status or results

Complaint:
I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found proof of non-compliance in accordance to the XXXX and XXXX XXXX format method ignoring to report. 

Please see attached documents of proof of me sending the letter. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of XXXX updates ). 

It is very serious that you please investigate and resolve as this is destructive to my character and is obstructing my potential to obtain loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Block, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022, I attempted to cash out my funds in the CashApp portal. At the time, I had {$230.00} in my online account to cash out. Historically, I was able to send and receive funds using my debit card, which I linked to the application ; consumers did not have to provide their banking information ( i.e., routing number and account number ). However, on this day, when attempting to cash out, I was prompted to provide my banking routing number and account number to cash out my funds. I have never provided CashApp with my banking information, and I only used my debit card for all incoming and outgoing transactions ; now, I am prompted to provide bank information with the standard cash-out option. 

CashApp should have informed the consumer that their financial transaction policies were changing ; however, they did not. CashApp is forcing customers to provide their banking information ( i.e., routing number and account numbers ) to cash out their funds using the standard cash-out option. Not only did CahsApp not communicate this change to the consumer, but their online help articles also continued to state that customers can explicitly cash out their debit cards. Their customer support advocates indicated that customers could cash out on on-file debit cards.

CashApp partnered with a third-party vendor, XXXX, to collect customer banking information without informing consumers ; of providing this information before the partnership. The XXXX information provided is a short description of who they are. This information is only available to the consumer during the bank account collection process, and the consumer must click the link to retrieve this information. 

Additionally, if consumers instantly transfer funds, they are not prompted to provide their bank account information. However, when consumer uses the instant transfer, they are charged a fee based on the number of funds they cash out. Further, consumers can continue using their linked debit card to send money without providing their banking information. 

I attempted to work with CashApp customer service advocates but failed to resolve the issue. I requested they send me a paper check, which they indicated they could not. I informed them they should have told the consumers before making this change, but they were still waiting for answers. I've attached several screenshots of my chat discussion with CashApp and their online help menu article indicating you can cash out to an on-file valid debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: Ocwen Financial Corporation
State: AR
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: Problem getting your free annual credit report

Complaint:
XXXX XXXX  XXXX AND XXXX XXXX XXXX MUST NOW SEND LETTER TO XXXX XXXX AND FURNISH DELETION LETTERS FROM THEM ALL JUDGEMNETS AND ACCCOUNTS ARE BARRED DUE TIME.

Company response to consumer: Closed with explanation