BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-06
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
i have no applied for products with these companies, I have asked that it be removed and its still present 15 U.S. Code 1681i Credit Inquiries Credit Inquiries - Summary Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I recently read the article about Regions over charging the overdraft fees and having to refund many customers. I was affected by this and feel I should receive a refund. I banked with regions from XX/XX/XXXX until around XX/XX/XXXX and had multiple problems in that time frame. Im a single parent and have been put in many bad situations because of regions. I liked the bank which is why I stayed so long but I had to close my account and move on. Any other steps needed to complete so that I can receive funds? Thanks

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 2023-08-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: NATIONSTAR MORTGAGE LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Re : Loan # XXXX Dear Sir or Madam : The reason for this letter is to report that I am in the middle of a loan modification and also a foreclosure for my home, which was filed unknowingly against me by Nationstar Mortgage. The scheduled sale of my property is set for XX/XX/2016, which I was not aware of. 

Most importantly, I was uninformed and relying on Nationstar Mortgage representative 's verbal promise that stated : " We will not foreclose on your property while under the process of obtaining a loan modification. '' Furthermore, Nationstar Mortgage purchased my mortgage from XXXX over two years and the loan has ballooned with numerous outstanding fees tacked onto the account each month. So, I am requesting that the mortgage company forward me the information listed below. 

Please forward an itemized breakdown of principal and balance amounts pertaining to the loan. I am also requesting the complete details and contact information and an audit of account by outside source. I greatly appreciate your assistance in this matter and look forward to your prompt response. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: ALLY FINANCIAL INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My business purchased a vehicle through XXXX. The primary holder on the loan was my company. I myself was a personal guarantor for the loan. I spoke to several people at XXXX for more than a week straight whom all promised this could be done and the info would not appear on my personal credit unless the loan defaulted. The calls were recorded. After the loan was signed, the vehicle immediately reported on my credit as a cosigner. I called the company back and now they are saying that it's not their problem because the loan was sold to Ally Financial. I trusted this company to do what they said and I have a copy where it shows I signed as a PG

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 2023-10-24
Company: DISCOVER BANK
State: PR
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:
My credit status is verified which showed me some that were not done which were the following XXXX XXXX a debts {$470.00} that the account opened XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, Discover Financer XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have carefully reviewed my credit report in XXXX. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. JPMCB - CARD SERVICE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Resurgent Capital Services L.P.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2023 I contacted ( on a recorded line by both parties ), LVNV Funding LLC in regards to an account ending in XXXX reference ID : XXXX reporting on my consumer report. 1.there were inaccurate incomplete information being reported. i asked the representative to send me a debt validation letter. The representative agreed and after receiving the validation letter. the information being reported is still incomplete inaccurate information. pursuant to 15 U.S. Code 1692e - False or misleading representations ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. 2.also there was no written agreement made by me for LVNV Funding LLC to have my information be seen by a third-party ( Resurgent Capital Services ) . the creditor reporting the information should be the one managing the account. XXXX different companies have had my information on my account. the original creditor XXXX XXXX XXXX, debt collector LVNV Funding LLC, and resurgent capital services. there is also XXXX XXXX XXXX with my information. i also spoke with XXXX XXXX XXXX representative on the phone which was also recorded by both parties. pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general ( 2In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Paypal Holdings, Inc
State: MO
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: Card was charged for something you did not purchase with the card

Complaint:
PayPal charged {$140.00} onto my XXXX XXXX XXXX shown as a transaction from XXXX. I have handled this with both PayPal and XXXX to no avail. Both PayPal and XXXX is trying to cover-up this charge as the file will reflect. I am attaching a letter address to Consumer Financial Protection Bureau explaining all of the handling I have given this problem. I have also attached 3 Exhibits that supports everything I am contending regarding this fraud. Neither PayPal nor XXXX can explain what the charge is for nor can either provide any information on this charge. I have not made any transactions with XXXX for a number of years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-25
Company: Self Financial Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have fallen victim of identity theft as a result of the XX/XX/XXXX XXXX breach. This has taken a toll on my mental health and has affected the quality of my life. Please remove fraudulent accounts. XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO. XXXX. Opened account on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Resurgent Capital Services L.P.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX for the account showing on the credit file with LVNV Funding. In order to facilitate efficient proceedings and ensure all relevant information is accounted within the credit report for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transactions specifics. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgements, and settlements. Pertinent correspondence, communications, or notices related to the chose in action. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Paypal Credit account was opened and negatively impacted my credit history with knowledge or consent. Settled this with Paypal years ago but my credit is still impacted negatively.

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 2023-10-24
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX : failure to follow standard policy for making funds available for mobile check deposits in the amount of {$220.00}. 

XX/XX/XXXX : Failure to make the additional {$450.00} available per policy. 

The bank initially made {$40.00} available and racially discriminated against me..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: ALLY FINANCIAL INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Ally is still showing on my credit report XXXX later stating my first delinquent was XXXX XXXX but that should be in XXXX this acct should have need removed last year but still showing and showing negative on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: Block, Inc.
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
XX/XX/2023 I sent {$860.00} to my friend via CashApp. The payment shows " completed '' in my CashApp account, but on her account it shows " pending. '' To this day, it never made it to her and it still shows " pending. '' Despite the fact that it is MY money that never made it to the recipient, CashApp refuses to talk to me about it because her account is not my account. She has tried multiple times to raise tickets, fill out their forms, etc and STILL they tell her that she just has to wait. It's been nearly three months. Because this payment was for things I purchased from my friend, I had to send her the money AGAIN, so I am the one who is financially harmed by CashApp 's lack of ability to complete this payment. Also note, this happened to me once before -- for no apparent reason, the payment did not complete and in a few weeks they admitted their fault and finally pushed it through. This time, though, I don't believe they're ever going to rectify the situation. I will no longer use CashApp, that's for sure, but I need that {$860.00} back or for it to be sent to the intended recipient so that she may refund it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Nelnet, Inc.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I registered for auto-debit for payment of my loans in XX/XX/2023. I received correspondence from Nelnet that confirmed I was placed on an auto-debit plan and that it would start after XX/XX/2023. My first payment due on my loans under the SAVE repayment plan was XX/XX/2023 for {$160.00}. On Monday, XX/XX/2023, my account indicated that it was " past due '' and there was no record of the pending auto-debit in my account. So, I paid my {$160.00} loan payment on XX/XX/2023 through the web. Now, in my checking account, I see two payments for my loan payments, indicating that the original auto-debit must have gone through. I'd like this to be resolved quickly and frankly, for Nelnet to get their XXXX together. I understand if they are understaffed at the moment but they knew repayment was on the horizon and had 3 years to figure this out. Now, I've paid them extra money, who knows what they will do with the extra money ( probably keep it towards interest, even though under the SAVE plan if I pay the required payment the remaining uncovered interest is supposed to be forgiven ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRUIST FINANCIAL CORPORATION
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Truist bank offered a checking acct promotion whereas if XXXX deposit {$1000.00} within a specified time frame via electronic transfer, one will receive a {$400.00} bonus. I completed all requirements within the allotted time frame and was sent an email stating I did not qualify. I have been trying to reach agents within Truist and they continually stall, transfer, disconnect or have no idea what I'm even talking about. I have all documented evidence that I complied with this offer and all deposits were issued through my employer, XXXX 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 monetary relief
Consumer complaint received 2023-11-29
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Credit reporting 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 told this company multiple times the balances are not mine. I have also asked for documents that show the services or agreement of services, but nothing more than a balanced document comes in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: Block, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I have contacted Cash App /Block Inc. several times since XX/XX/2022 about lifting the UCC-1 debt holds on my Cash App account as these debts have been satisfied and the the debt holders have filed a XXXX balance letter and UCC-3 forms stating that the debt was satisfied and the holds are to be released. I contacted Cash App through the app, which is the only way to contact them but to no avail. I constantly get the same response providing information about the debt holders and that I needed to contact them so that they could send the releases to Cash App. There were 2 debt holders that filed UCC-1s that Cash App informed me of and the debt holders sent the release forms several times and I offered to send the emails in which the debt holders sent me a copy of the fund releases as well. I have been trying to resolve this issue for over a year. I would like the release of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to negotiate a loan modification with my mortgage lender for 7 years! It will be 7 years in XX/XX/XXXX. When I began this process my mortgage was held by XXXX XXXX XXXX. Since then, my mortgage has changed hands 3 times! Each time, I had to start the process over. The current lender is Nationstar and based on on-line research, I am concerned that my experience with them is mirroring that of thousands of other consumers. They do not negotiate in good faith. For example, they constantly low-ball the value of our property. With each negotiation, we have to appeal the denial of our modification request and key to those appeals are independent assessments that show our property as valued at more {$100000.00} than what Nationstar quotes. Last year, we finally had an agreement but Nationstar asked for a " deposit '' in order to execute the agreement - I now know that the request for a " deposit '' is illegal/inappropriate. Also, the agreement referenced a 2-year " interest-only '' payment period at an amount that was quite manageable. Nationstar refused to apply those payments to our mortgage indicating that the " interest-only '' payment period terms were " vague. '' The alleged " vague '' terms were created by Nationstar and signed off on by their Assistant Secretary XXXX XXXX. Nationstar continued to refuse to apply the " interest-only '' payments to the mortgage based on this vagueness argument and as a result we are now trying to negotiate yet another modification. Once again, they denied our request ( even though we were approved for a modification last year, albeit " vague '' ). The denial was based, predictably, on a low-ball valuation of our property. Yet again, independent evaluation showed a value of $ XXXX+ higher than what Nationstar showed. We are appealing the modification denial. After 7 years, how much longer do we have to keep playing this game with them before they will negotiate in good faith and put some reasonable and not " vague '' terms on the table?!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: HW Holding, Inc
State: TN
Product: Debt collection
Sub-product: Rental debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a call from Hunter Warfield ( XXXX ). They stated that they were reaching out to settle my account. I informed them that I had negotiations in place. I was informed that there were no notes on the account to reflect that. I confirmed the account number ( XXXX ) and was told that they did not have an email address on file for me. I quoted the settlement offered and attempted to update the person I spoke with. I did not get a name, but they repeatedly informed me that the call was being recorded. The representative was rude, yelled at me several times, and continued to shout over me when I attempted to give her relevant information, such as name and dates. 

My experience with this company has been full of inappropriate behavior for a debt collector. They call repeatedly, and if I send the call to voicemail, they call back to back. They have been dishonest, stating that they had no communication about this debt since 2019, which is untrue. The rep repeatedly threatened me with escalation and legal action.

Company response to consumer: Closed with explanation