BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-01
Company: Block, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022, a total of {$20.00} was taken out of my CashApp account by a thief name XXXX XXXX. I contact Cashapp immediately after being notified by text. I was told the following : 1 ) they could not help me stop the payment, 2 ) I had to contact XXXX and wait for the transaction to be completed before they will step in to refund my money. XXXX customer service could not be reached and I was forced to wait for this XXXX to steal my money. After the transaction was completed, I called to get my money back, CashApp XXXX number XXXX. 

On XX/XX/2022, XXXX, the manger, tells me I have go into the application to dispute all XXXX XXXX charges and the XXXX XXXX before they will consider returning my {$20.00} and if I have problem customer service for assistance. This was already completed, XXXX number XXXX. 

I called to speak with a manager. No manager is available. When I asked how long my information will remain in the database, I was told my information will remain until the company dissolves. I do not want my information to remain indefinitely. This company has a security breach and does care about my information or money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: EQUIFAX, INC.
State: OR
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 paid off a collection account with XXXX XXXX on XX/XX/2019. I settled the account per agreement with the collection agency. The sent me a release of debt letter and also filed a request for deletion to the 3 credit reporting agencies. The account was removed from XXXX and XXXX, but still remains as an open account on Equifax. I have made multiple contacts with Equifax and filed disputes. I have contacted the collection company multiple times and the stated that they have sent the request and all other documents to Equifax. As of today, XX/XX/2019, Equifax still shows an open collection account for XXXX XXXX and have stated the account is accurate and has not been paid. All they tell me I can do is file a dispute again. I have talked to two Equifax representatives that stated they did receive the deletion request and it would take 30 days for the account to fall off my report. They stated it was XX/XX/2019 that they received the request to delete and it would be off by XX/XX/2019. When I called on XX/XX/2019, I was told that they have not received any deletion request and the account is not paid off. They told me to contact the collection agency myself and ask them to send the request electronically. I made the phone call to XXXX XXXX and they stated that they have submitted the request already and have been having problems with Equifax with other clients as well. I can not speak to anyone that seems to know what's going on at Equifax and keep getting different answers with no help or results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
hello, my name is XXXX XXXX, I have a loan with XXXX, XXXX XXXX who is the lender, and, Select profolio is the servicer. I have reached out to XXXX in the past and I was told they no longer service my loan, however I should reach out to Select portfolio, when I reached out to Select profolio, they told me that XXXX XXXX is the lender. I need to know who the lender is on my loan and how I can reach them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, 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 status incorrect

Complaint:
Been disputing a particular account on my Equifax report since XXXX every 30-45 days for XXXX XXXX XXXX XXXX This account is being reported as an open account from XXXX. This is not my account nor do I have any car for this loan it is now XXXX and these people are inaccurately reporting information that I have tried to have deleted. Ive emailed XXXX XXXX and XXXX personally of Equifax even proof of me filing serval disputes. I also hired a law firm and they were able to even get a response from Equifax. This has cost me so much emotional and physical distress over the course of this year. Delete this inaccurate and incorrect information the company doesnt even exist! The number and address listed is non working. The place in XXXX GA is not there business as listed either I went there! I live in XXXX GA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Olympic Collection Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX   XXXX  . This has been going on since  XXXX . They contacted me by phone several times over the past few months, in which I requested written proof of the debt in question. I asked for proof and even went to dispute it, but I was told it was easier to pay it off. In which I have paid monthly payments of {$50.00} to {$150.00} and now find out that not only is the debt in dispute, the total amount was charged off and I do not owe any money and that it was paid by my insurance company. Not only am unsatisfied with their operation, practices, but false names false acquisitions and finally, They WITHDREW {$50.00} ON  XXXX / XXXX /  XXXX   YOU WERE NOT AUTHORIZED TO DO.   I do not have any responsibility for the debt they are collecting, I told them if I am responsible for this debt, mail me the documents that make you believe that. THEN THEY stop all other communication with me and with this address under  XXXX , and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and sent it to another DEBT Company and also would not indicate to them that it is disputed. reported it to a credit bureau, also report that the debt is disputed. I contacted the BBB, They have numerous slanderous complaints. They do this to people under different names. i even told them  THEY  were being recorded and they changed their name and hung up.     Thank you for your cooperation.   Sincerely,  XXXX   XXXX ,  XXXX .    XXXX  see :  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  https :  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Square Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I tried to send {$550.00} to my cousin using Cashapp. The app decline my transaction but took the money from my bank account. The app then closed my account with my money in it. The app would not allow to cash out my own money. I had gotten logged out and now I cant even see the money in my account. Ive sent numerous emails and they give me no explanation as to why I cant access my my money. Ive even tried reaching out to my bank with no luck. They wont even tell me why my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: Ditech Financial LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am complaining against DiTech XXXX XXXX XXXX, they increase my mortgage payments from {$790.00} a month to {$820.00} a month. Then they would n't approved me for HARP modification, after I have turn in all the proper paper work. I just got my monthly statement for XX/XX/XXXX showing I owe {$9100.00}. That is a XXXX lie, I am six months behind because I am going through a modification, my incorrect monthly payments of {$820.00} x 6= XXXX. They are cooking the books, then add injured to insult, they turn my loan over to another company. They are call XXXX XXXX XXXX XXXX. DiTech is a bunch of crooks, everything they do is illegal, I am trying to keep my home.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been working with Navient for over 15 years to get these loans lowered or paid off and all I get back is a refinance plan that would lower the rate by barely anything. I pay roughlt $ XXXX over a XXXX loan and it is tearing me apart. 
I thought I was in to get it forgiven, but that also has come back saying that I am not eligible and I am really wondering what can I do to get rid of this burden. Please help me. I am desperate now. 
Every chance I have tried to get it lowered or gone has failed and I really don't know what to do to help myself anymore over a loan that I have had since XXXX  Please, if there's anything that can be done to lower or get rid of this loan, I would be so grateful. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An agency assuming the name of PayPal is calling and emailing to collect a debt I never made. The calls are multiple times daily from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: Nationwide Credit & Collection, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was seen At XXXX XXXX XXXX and gave all the proper insurance information, address, numbers, etc. The billing department wrote my address incorrectly and I never received a bill. I was put into collections and XXXX XXXX XXXX called to collect the debt. It was then I learned that : 1. I owed the debt 2. My address was written incorrectly and i had never received a bill from the doctor 's office, nor from XXXX XXXX XXXX I asked the girl on the phone to send me a copy of the bill, so I can pay it- which she did not do - she sent me a copy of whatever she was looking at with no address to pay the bill. She also changed my billing address to the correct address. 

At that time I took the paper she sent to the XXXX XXXX XXXX and paid the bill. I was told I would absolutely be taken out of collections by the office manager, as well as the billing manager, as well as Nationwide Credit.
A week later, Nationwide is still trying to collect money for a debt that should have never been mine, and has since been paid. I have left another message for them and have not heard back from them yet. I do not want this to affect my credit score, which is in the top tier.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Experian Information Solutions Inc.
State: MI
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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2018-12-17
Company: DebtHelp, Inc
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I paid my {$5000.00} debt relief. They have 3 companies involved. At the same time I hired debt relief, I hired XXXX. XXXX Finished months ago. 

Debt relief and now with XXXX XXXX, say I pay until XX/XX/2025, insane, fraudulent. 
I've called them, they yelled and Argued with me. Companies are not supposed to do that! 

I have paid {$200.00} a month for almost 2 yrs. What are they doing with my money. I'm done

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had my id and ss stolen and i called the police first then i called the credit company 's XXXX Experian and XXXX i been working with the cops giving them all the in formation and names and numbers of who could of done it and i too have been trying to find out. i called all the credit company 's asked that they remove the information that is not mine from my report they stated that they are going to do an investigation witch makes me feel better the more help the better well Experian said that after they investigated it came back verify.. i though this was good news they found who did it since they specifically said to me that they were going to investigate but they refuse to give me copy 's or any information so i can give it to the police I don't understand!! they said they verify but they wont take nothing of my credit report or police the information for the police i called XXXX they keep leaving me on hold for ever and never come back on the line and XXXX just hangs up on my face every single time but at least they say let me transfer you before they hang up i have gave them the police report the affidavit and the FTC report and they refuse to remove any thing from my credit or they refuse to give me a copy other investigation that they did were they verified not to or the police... please help

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 2017-08-31
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
On XXXX/XXXX/XXXX, I sent a letter to Experian disputing an unverified debt on my credit report. Along with my dispute letter was a letter from the creditor stating that the debt can not be verified. 

On XXXX/XXXX/XXXX, Experian sent me a letter saying that they will not reinvestigate the information because I did not send relevant information. The letter I sent to Experian on XXXX/XXXX/XXXX included a letter from the creditor stating that the debt can not be verified. 

Please be advised that, Experian has specific responsibilities when reporting : XXXX. Procedure in case of disputed accuracy [ XXXX U.S.C. XXXX ] ( a ) Reinvestigations of Disputed Information ( XXXX ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and XXXX ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2023-04-02
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an account with TD bank. I make monthly payments for an outstanding line of credit. On XXXX I had an automatic payment set up but do to a computer error at the bank the payment did not come until XXXX, one day late. I contacted the bank and they advised they would pay the late fee so I contacted TD bank customer service to set up a payment for my other bank. I was told by a representative that because I was a valued customer the supervisor could remove the late fee. When the XXXX bill came the late fee was doubled to {$80.00}. I contacted the company two times in XXXX and was told a supervisor would contact me in 3 days ( they never called me ). In XXXX the late fee had become {$120.00} so I called 5 times during that month 3 times I will told someone would call me and on the fifth call I was told to dispute the fee and everything would be on hold until the claim was resolved. Over the next 3 months the late fee went up every month and no one ever contacted me. I even went into a TD bank location and was told they could not help me. I was forced to pay XXXX in late fees and they still attacked my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-08
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been using PayPal for over 15 years. I started buying small amounts of crypto when I learned I could do it with paypal. I have linked the same checking account for 15 years. On XX/XX/2021 I received an email telling me my account was frozen. I had violated their account agreement with suspicious activity. The activity was not identified. My account was frozen for 180 days. I was using crypto to save for a special project and I need my money now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-03
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: Account status incorrect

Complaint:
Recently applied for a HELOC from XXXX XXXX XXXX and was denied due to a error on my credit report, stating that XXXX marking a 120 late in XXXX. 

From XXXX I was in a chapter XXXX Bankruptcy and the XXXX account was one of several accounts involved. 

I informed XXXX of this error and have not received any reply.

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 2022-08-15
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX, today is XXXX XXXX and today I received my consumer reports and notice that this company is unlawfully reporting a collection account. I am demanding this collection agency to provide validation of debt pursuant to 12 CFR 1006.34a ( 1 ) ( a ) Validation information required. ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication. Pursuant to 12 CFR 1006.34 ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.1. Statement required by 1006.18 ( e ). Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26
Company: BMW Financial Services NA, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Purchased a XXXX XXXX through BMW Finance and they're reporting duplicate/negative information still since of which the loan has been paid off XXXX XXXX. Also to which previously was not negative since XXXX. Bc of refi, the loan shouldn't have reported negative. We are now 4 years and the refi loan was paid and original was supposed to have dropped off and was told they weren't supposed to report. They both were taken off XXXX and XXXX, but was still on XXXX. Now showing they're back on. So wrong and under FCRA they should be completely removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX XXXX and mortgage companies have submitted multiple credit inquiries on credit file with out consent

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 2017-08-28
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
To be given restitution or loan forgiveness for over charged interest rates to charge to me attending XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX on campus in XXXX, Texas and online in XXXX XXXX IL location please help me resolve my issues with XXXX XXXX. They say I owe {$73000.00} Sincerely, XXXX XXXX, XXXX XXXX ID # XXXX at XXXX XXXX

Company response to consumer: Closed with explanation