BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My sister XXXX XXXX informed me that she received a text message from Resurgent Debt Collector that discussed resolving a debt and gave specific amounts due ( image attached ). I have no idea why the message was sent to her. I am not on her phone contract and have never given her number as my own. This is a violation of the practices forbidden by the FDCPA. My privacy rights have been violated and I want all communications with them to be in writing via mail to me since they can't be trusted with personal information via electronic means. I'm sure if this is happening to me, it's happening to others. I recently paid off some debts through them so they do have my correct and current contact information. There was no need to send a message to my sister who does not share my name ( first or last ). How can they send information via text without confirming who the identity of the person receiving it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: Block, Inc.
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/ at approximately XXXX XXXX XXXX  I went to XXXX, Tn XXXX to make a cash deposit which was denied by CashApp. I attempted a chat conversation with customer support but no assistance and I was completely dismissed and treated like I was the problem for questioning it. At XXXX I was mortified when the cashier told me CashApp denied my deposit because of suspicious transactions yet CashApp denied that. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I depended on Cashapp to be able to receive funds from my family who helps support us while hes healing. Now without notification my account is useless. Ive been a customer for over two years. I have verbally revoked my authorization for ACH transactions to my financial institution that my CashApp is linked to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX dollars was paid through paypal XX/XX/23 for my phone service XXXX. 

how ever on XX/XX/23 XXXX suspended my service for non payment.. 

*i had to use my debit card to pay to get my service back on.. 

i confronted XXXX  and paypal.. 

XXXX  said they see the payment but can't trace the money in their system.. 
( ergo my service was suspended .. ) Paypal XXXX it's wasn't a double payment so there's nothing they can do.. 

Here 's the question i have for Paypal : so if XXXX  doesn't see the payment from Paypal? 

1 ) why does paypal have a problem REFUNDING my money that still shows as paid through them which XXXX  claims they never got?!! 

*i want one or both to pay me back my XXXX dollars..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Midland Funding got a default judgment against me XX/XX/2019, for an unknown debt. 

Four years later, with no notification and without giving me the legally required time to make a payment in lieu of garnishment, they sent a garnishment notice to my employer. 

I received nothing at all from Midland in four years regarding this debt, so I assumed it was paid off. 

I have no idea what it's even for. It is not even on any of my credit reports. 

This is going to leave me unable to pay my basic living expenses. 

They additionally added an extra almost {$400.00} to the judgment amount, without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Total Card, Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that i have the right to privacy, 15 USC 1681 section 604 A section 2 also states that the consumer reporting agency can not furnish my account without written instruction under 15USC 1666B A Creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: FIRST PORTFOLIO SERVICING INC
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights under 15USC 1681 section 602 states that i have the right to privacy, 15 USC 1681 section 604 A section 2 also states that the consumer reporting agency can not furnish my account without written instruction under 15USC 1666B A Creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: LA
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: Didn't receive services that were advertised

Complaint:
Due to XXXX XXXXXXXX 's False Preapproved deceit I hard excessive hard inquiries and inaccurate information reporting. A few i dont remember. These accounts are not consistent on 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 XXXXXXXX XXXX XXXX XXXX I can't see my XXXX yet to dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: FAIR COLLECTIONS & OUTSOURCING, 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:
I submitted a complaint for this fraudulent claim. the response back from that complaint was that I needed to provide utility bill that proves where I resided during the time of the false reporting. I have attached that document as well as the previous documents.

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 2023-10-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
After a hail storm destroyed my hot tub, XXXX XXXX XXXX quoted a price of {$10000.00} for the XXXX model hot tub, which included free delivery. 
I authorized XXXX XXXX XXXX over the phone to charge my Chase Visa card for the DEPOSIT to proceed with the delivery on XX/XX/2023. I later found out when I received my statement that the merchant had charged me {$13000.00}, which included {$2900.00} in incorrect charges please see the attached spreadsheet, which I had sent to the merchant numerous times. 
The merchant, knowing that the hot tub purchase was from an insurance claim intentionally and fraudulently overbilled for services that were not delivered or not contracted for, including : Process and evaluation Remove and replace, although free delivery was quoted and promised Electrical work that was not done nor needed Delivery by XXXX, which was included in the free delivery. 
XXXX breaker XXXX XXXX XXXX, which was not needed and not performed Charged {$11000.00} for a hot tub that was quoted at {$10000.00} I disputed the {$2900.00} in overcharges with Chase Bank. Without investigating or requesting my documentation, Chase Bank resolved the fraudulent charges in favor of the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: U.S. BANCORP
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hi, i noticed tha us bank reported my XXXX XXXX credit card as a charged off with an incorrect balance amount of {$1000.00}, when the account was reported as a charged off amount should balance have to be {$0.00}. I tried to contact this institution by phone and transfer between departments leaving me in hold and then dropped or hanged up my call. They sold my debt and they reported to my XXXX credit report the account in charged off, I need that USBANK with address XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX and Phone : XXXX, correct the error that they reported because I did not owed {$1000.00}, they continued charges my account during XXXX XXXX XXXX XXXX XXXX, when the account is closed and when I did not used it since XXXX, they did not give me moratorium during XXXX XXXX, XXXX, XXXX and they are reporting a false statement that I owed {$1000.00}, when the account is in charged off when they reported to IRS and received the credit incentive of {$2000.00} for the reported debt. They are reporting if as I owed the doubke amount of the debt and violating my privacy right as well. I beed that US BANK correct the amount reported to {$0.00} as charge off account and sent me their 1099 for the charged off account reported to IRS. I would like that they removed this account due that they reported a false statement and a false amount. They also did not report the payment that I made on XX/XX/XXXX. They caused me that other bank institutions closed my checking account when making unauthorized charges to my XXXX XXXX XXXXXXXX XXXX checking account ending in XXXX when I made the payment with my XXXX checking account and make me lost important accounts transaction and extra fees because I did not have the balance in the XXXX account instead I made the payment using XXXX  account, and in my credit report said that there is XXXX and I made a payment in XX/XX/XXXX, as the payment agreement made in XX/XX/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 2023-01-26
Company: Professional Claims Bureau, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX my alleged debt was consolidated into another aggregated account. The original accounts seem to have not been erased. Therefore erroneously doubling my alleged debt. Moreover I paid XXXX on that date to the Professional Claims Bureau, LLC. They admitted to me and to XXXX ( the hospital ) that pcb has my XXXX, did NOT apply it to my debt, and admittedly dont know where it went once it got to pcb. They have had months to apply my money to my debt yet they have failed to. They also have stopped answering calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-26
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
RE : Property : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This complaint is about how funds were applied to the subject mortgage and why there is a partial claim lien on the property. 

I received a grant from XXXX the XXXX XXXX assistance in XX/XX/2022. My mortgage loan was reinstated with {$12000.00} and I was scheduled to receive six months of payments which added up to {$4300.00}. My total XXXX  assistance through XXXX the XXXX added up to {$17000.00}. However, it appears, my loan was reinstated prior to receiving the XXXX the XXXX assistance using a partial claim in the amount of {$11000.00} in XX/XX/2022. 
I spoke with XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and she has confirmed the XXXX XXXX XXXX  monies were paid out to US Bank for my mortgage loan.

Since it appears both monies were applied to my mortgage loan, the math does not make sense on what my balance owed on the mortgage would be given the initial loan amount was only {$100000.00}. 
Questions : XXXX ) What happen to the monies from XXXX XXXX XXXX XXXX ( {$17000.00} ) XXXX ) Shouldnt the partial claim lien have been removed from the mortgage account? The reinstatement amount that was given to XXXX the XXXX should not have been so large if a partial claim was used to reinstate the loan.

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 2023-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes

Complaint:
I opened a capital one account 4 years ago and used the card XXXX time. After using the card I called the number on the back to make payment and was told I can not make payment because the account has been frozen for identity issues so the ask me to send a copy of my ID and a copy of my social security card and a piece of mail with my name and address preferably a bank statement or bill so I did all of the above and about XXXX months go by and I get contacted that my ID wasnt good enough because it was a pass port card and I needed a state ID and I told them that I was not paying to get a card that I do not need that a passport is federal and they said they would not except it. So another month goes by and I received a call from a lawyer saying my information has been compromised by the credit company capital one and I explained what had been going on with them not letting me pay my account and close it because of the stuff they put me through. The lawyer said he could take payment and clear everything up and remove any outstanding charges and interest and he did exactly that. But then I received a copy of my credit report and it shows capital one as being substantially late by 120 days. I sent them all the information I had and they took it down to 60 days late and its been making my XXXX XXXX go down every month since. Now its been 5 years and I have excellent credit with all my accounts and have never paid late or missed any payments but because capital one still shows for 7 years the I miss payment for 60 days late and it takes over XXXX points off my XXXX XXXX every month and I cant get my score to go above XXXX points after all this and it still affects me every month for XXXX more years and thats not fare. I tried to take care of this immediately and they wouldnt let me in because the account stayed frozen for 120 days. Thats how theyre keeping it on my credit report and thats not fair. Ive been XXXX years with excellent credit and they are destroying my credit report every month and I can not get my score to go up and its holding me from getting better credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This complaint is reference to # XXXX. 

XXXX XXXX stated that I haven't made payments for XX/XX/2022 to XX/XX/2022 which is not true. I have proof that payments was made and CBNA pull my credit report on XXXX XXXX. This company has not been reporting my payments correctly. Please remove this account from all credit bureaus due to inaccuracies.

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 2023-10-11
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2023, I applied for an IDR/ICR payment plan, including authorization for IRS to include my tax returns. According to studentaid.gov, It was reviewed, processed, and completed by Nelnet on XXXX XXXX XXXX I received no updates or email communication regarding the application. I called them twice to find out that they required additional proof of income even though they received my tax returns directly from the IRS. I uploaded the requested documents on XX/XX/2023 that they should have requested weeks prior via email - again, they sent zero email communication regarding my IDR/ICR application. Nelnet claims that they send updates every 10 days via email as well as requests for supporting documents. However, as of today ( XX/XX/2023 ), I have received zero emails from them regarding my IDR/ICR application. I had to call Nelnet to find out that they need those documents. As of today, Nelnet has yet to update my payment plan, still showing the traditional payback amount for monthly payments on my loan dashboard, and has not created a payment schedule. Student loan payments are restarting this month, and Nelnet appears to be in complete chaos.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Marlette Funding, LLC
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I wish to formally lodge a complaint against Best Egg concerning the handling of my personal loan. Over the span of six consecutive months, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have observed that none of the payments I made during this period were allocated towards reducing the principal balance of the loan ; instead, they were exclusively applied to cover the accruing interest. 

During this time frame, specifically on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I executed automated payments amounting to {$190.00} on my Best Egg personal loan. Regrettably, out of these payments totaling {$1100.00}, not a single dollar has been directed towards reducing the principal balance of the loan. 

In an attempt to address this issue, I contacted Best Egg on XXXX XXXX XXXX However, the representative from Best Egg attributed this problem to a " computer issue '' and refused to retroactively credit the payments towards my principal balance, as they should have been over the past six months. 

As of today, my loan 's principal balance remains at {$6500.00}, which is the same amount it has been since XXXX XXXX XXXX I initially obtained this loan in XXXX XXXX  for {$7000.00}, with a fixed interest rate of 20.51 %. I agreed to a payment schedule consisting of 59 consecutive monthly payments of {$190.00}, with one final payment covering the unpaid principal balance, interest, fees, and charges. 

To alleviate financial hardship, I had previously availed two 'Payment Holidays ' from XXXX XXXX XXXX XXXX XXXX XXXX XXXX totaling four months. During this period, it was agreed that the interest on my loan would continue to accumulate, and the loan term would be extended to provide temporary payment relief. However, it was not part of the terms to have {$1100.00} applied exclusively to interest and {$0.00} towards the principal balance for six consecutive months post 'Payment Holiday '. 

I sought the 'Payment Holiday ' due to financial challenges arising from my responsibility to care for my XXXX  mother and her medical expenses while still supporting my household. As of now, my loan balance comprises {$6500.00} of the remaining principal balance, {$2000.00} paid in interest, and {$830.00} contributed toward the original loan 's principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
I took out a cash advance of {$15000.00} on my Bank of America card ending in XXXX on XX/XX/XXXX of 2022, and went online and paid it off in full ( principal, fee, and interest ), or so it said when I made the payment. What it did not tell me by text alerts that although I had 'pain the current balance ', that interest accrued for that day and a balance would remain. I received no notice of this. Months later I received a letter telling me I was over 90 day late on these interest payments which accrued AFTER being told that my account was paid in full. This has severely damaged my credit rating and Bank of America told me there was nothing they could do. My credit score which was above XXXX fell over 100 points. I spoke to XXXX today and they said to contact you, file a complaint and send them a copy. Can you please help me? Thank you, XXXX XXXX

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