BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-21
Company: Block, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I re-downloaded Cash App today ( XX/XX/22 ) to be able to make an urgent payment of {$100.00} to my sister. I had an account previously, but it is very difficult to re-log into an existing account because of how the app is set up. ( My phone number and bank had changed, but I still knew my email, log-in ID and password to the original account. Didnt matter, I had to crate a new one. No option to even click log on on the screen when you download the app. ) So I created a new account, plugged in my information and bank account, added in my sisters information, and tried to sent her money over the app. It went through but was immediately cancelled : Money was pulled out of my account but never made it to her. The money was not immediately returned either : I received a notification that said I would be refunded on Wednesday ( XX/XX/22 ). 

Now I have no way of making a payment that was urgent because now neither of us have the money. I was given no warning that payments may be cancelled. I was given no reason for why payments pay me cancelled. All of the cash send/receive apps I have used previously explain to the customer similar exceptions BEFORE the customer tries to send or receive money. This was not the case with CashApp. 

When I opened the customer support chat on the app, I was given copy & paste customer service answers. I was unable to get any specifics on why this transaction was cancelled ( for example : was this automatic because of my new account? I dont know. ) The support chat person told me that I am free to send and receive money now, but again, was unable to get any specifics on how I How I would know that the same error wouldnt occur again and I wouldnt be losing my money for several days again. 

I didnt get any specifics over chat or through reading through the user agreement. Finally, I tried to call the customer support number but the number is out of commission. Its a simple recoding that redirects you back to chat with a support person on the app. It is impossible to actually reach a person through this phone number, yet the company is advertising as if it has a real customer support option when it does not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Fact, I the XXXX is aware and have proof that Equifax has and continued to violate my consumer right and privacy. I the affiant observed 12 violations consumer credit report. Equifax is and continues to be in violation of 15 USC 1681 ( A ) ( 4 ), 15 ISC 1681 ( A ) ( 2 ), 15 USC 1692 ( D ) ( 1 ) ( 3 ) 15 USC 1681 ( A ). Even after being informed numerous of time that the Information was incorrect and should not be on there. I have been injured numerous from Equifax gross and negligent and willful behavior these injured include, and not limited to being denied credit, my reputation been ruined, loss of income, XXXX XXXX  XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These companies are in clear violation of the law. Pursuant 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 non-monetary relief
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: NC
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:
This company is reporting inaccurate account in my credit report, I have paid off my account from them and I noticed that there are some late payments, I tried to verify it this company but get no response. The late payments is reflected differently across the different bureaus. This is a clear violation of my FCRA.

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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This company is reporting inaccurate account in my credit report, I have paid off my account from them and I noticed that there are some late payments, I tried to verify it this company but get no response. The late payments is reflected differently across the different bureaus. This is a clear violation of my FCRA.

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 2015-07-15
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Company LVNV Funding is attempting to collect a debt that was discharged in bankruptcy back in XXXX

Company response to consumer: Closed
Consumer complaint received 2022-02-21
Company: EQUIFAX, INC.
State: NE
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 an two dispute letters to all three credit bureaus XXXX, XXXX, and XXXX to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letters on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
It is against the law to report any information not proven accurate. TRANS UNION DID NOT CONDUCT A FAIR INVESTIGATION. Trans union is not in compliance with the FAIR CREDIT REPORTING ACT. Trans union obtained specific factual information directly from a creditor and that is a direct violation of 15 U.S. Code 1681a ( e ).

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 2017-07-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
CONSUMER PROTECTION COMPLAINT : XXXX XXXX XXXX I am writing this complaint because I do not know what else to do.can someone please help! Recent events in my life such as the XXXX of my mother ( buried her XXXX XXXX ) ; the accidental XXXX of my brother ( buried him XXXX XXXX ) and now the threat of the loss of our home and/or being homeless, the mortgage company sent letters to inform me we owe {$16000.00} escrow payment and a balloon payment of {$240000.00}, which leaves me completely in shock. I share this home with my daughter, who pays 92 % of the mortgage, and I am a senior over XXXX trying to survive on my social security benefits. A year ago there was not even a hint that we would be faced this type demand. I called a few weeks ago requesting an explanation why this is happening but I have not received an explanation. Please, please, please can someone help us because I do not believe I can survive another major loss? Our mortgage payments are presently current ; however, we do not have the type of money this mortgage company is asking us to pay. More than a year ago the mortgage denied our request for a loan modification. It is extremely disturbing to try to understand why the mortgage company is being so aggressive now. We requested this mortgage modification because of the pending increases from 2 % to 4.6 % in our mortgage. My fixed income from Social Security is {$940.00} per month ; my primary caregiver is my daughter and her only source of income is her work salary of {$2900.00} net monthly income. Since that time our mortgage payments increased from {$1800.00} to {$2000.00} in XXXX increasing now to over {$2900.00}. Now with our mortgage payments increasing by {$1000.00} a month ; we will not be able to pay for our other house expenses ; utilities, gas, auto insurance, food, clothing, prescriptions, medical bills, student loan and other miscellaneous necessities. Because of the mortgage increase, there has been an extreme hardship and threatens the possible loss of our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have Federal Direct Student Loans. When the limited waiver was announced for loan forgiveness, I phoned FedLoan Servicing on XX/XX/XXXX and spoke to XXXX to ask about consolidating all of my direct loans into one loan - as I understood was a requirement in the PSLF Limited Waiver guidance. I was informed by XXXX at FedLoan ID XXXX that since all my loans were direct, I did not need to consolidate. I did additional research and learned that when you consolidate, the limited waiver would look at your highest payment count and you would receive forgiveness if you met the 120 qualifying payments and eligible employment. I phoned FedLoan several more times, XX/XX/XXXX and spoke to XXXX, XX/XX/XXXX and spoke to XXXX and phoned again on XX/XX/XXXX and spoke to XXXX again. I continued to ask for clarification about consolidating. Each time I was informed that I did not have to consolidate because all of my loans were direct. On XX/XX/XXXX I was partially forgiven under the waiver for loans that met the 120 payments. If I had consolidated all of my loans when I first called FedLoan in XXXX, I would have received full forgiveness because the 120 payments would have been met by the waiver applying the highest payment count. I was misinformed each time I phoned FedLoan. I phoned again on XX/XX/XXXX and spoke to XXXX ID XXXX and she confirmed that they were all a little confused about the waiver rules but confirmed that I was partially forgiven. After much discussion about the waiver rules and reading the guidance together she agreed that if I had consolidated I would have received full forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have new and updated information about Transunion. XX/XX/2020 I sent a letter asking them to send me the description of the reinvestigation and they failed to do so instead they disputed the accounts and caused 3 of the account to show a missed payment ( XXXXXXXX XXXX  XXXX XXXX ) even though they are in fact closed and charged off. Reporting that information is in fact inaccurate and dropped my score XXXX points. It is not my job to hold you in compliance but it is my responsibility to ensure it is fair and equitable to me and it is not. I was Explicitly clear on my request I did not deny ownership nor did I ask that you dispute but since you did you should be able to provide me with the description of the reinvestigation used to determine the accuracy and completeness and you have not which is a violation of my rights under the FCRA. The 30 days passed and they have not provided the proper documents and was suppose to remove within the end of the 30 day period per the FCRA 15 USC 1681i. These are the following accounts that need to be removed. ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) And also factual accounts were to be excluded per FCRA. Attached is the attachment Transunion called a procedure which is completely against federal law. I have letters attached to show the negliengent amd willful noncompliance as I have acted in good faith and will next consult with an attorney due to this damaging my reputation, my lively hood and have stopped me from being able to support my family financially. I also asked to receive correspondence by email and they have also failed to do that.

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 2022-02-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
My loan started XX/XX/XXXX with first monthly payment of {$49.00} due XX/XX/XXXX. That Automatic payment was deducted from my checking account XX/XX/XXXX ( # XXXX ), XX/XX/XXXX the second {$49.00} payment was deducted from my account as agreed ( # XXXX ), XX/XX/XXXX the third payment of {$49.00} ( # XXXX ) was deducted as agreed. 
BUT on XX/XX/XXXX a {$600.00} payment was deducted from one of my accounts. I have no idea why or how and had the bank reverse it. 
In XX/XX/XXXX, instead of deducting the contract agreed amount of {$49.00} from my account, you tried to deduct {$640.00} which the bank reversed. From then on, this account has been a mess. 
I had my bank send a check for {$120.00} ( check XXXX ) that cleared my bank on XX/XX/XXXX which should show me ahead on my payments, yet you show I am still behind PLUS when I have tried to talk to someone about this in your customer service department, I am told I am past due. I also see that instead of the AGREED per our contract of 0 % for 12 months and 29.99 % for the remaining 12 months. You are showing, per a conversation with one of your customer service people. That my account is now at 29.99 % before the XX/XX/XXXX date on the contract and all my statements. 
Nobody in the customer service could explain why all this has happened nor will they clear up my account. 
I am sending what I believe is the payoff amount, original loan minus payments made. I do want to clean this up and get rid of this albatross around my neck.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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/2019, I received a copy of my credit report from Transunion notifying me of negative items on my credit report. On XXXX XXXX, I sent them a letter under FCRA guidelines to properly investigate and delete all unverified items and notify me when such is done. I then received a letter from Transunion on XX/XX/2019 stating that the items were verified. I received no evidence that it was verified with my signature which is required under section 609 and 611 of the FCRA. I sent another letter on XX/XX/2019 to notify them the items have not still been properly verified. I then received another letter on XX/XX/2019 which held the same information that the previous letters contained. They are not operating under the laws of the Fair Credit Reporting Act and it is being shown in their unprofessional investigations.

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 2016-11-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
My primary bank is Fifth Third Bank, as it has been for 15 or more years since I opened my first bank account. To my knowledge, I have not disputed charges in the past but did so recently when I made an online order that I canceled within 10 minutes of the order itself. I called Fifth Third 's XXXX number and was informed a provisional credit would be made. I offered to provide the email canceling the service but she said it was n't necessary. The charge was for {$99.00} which caused, partially, my account to be overdrawn and {$110.00} in charges from Fifth Third Bank itself. I recently received a letter saying they denied my dispute because the cancellation must be provided to the merchant before the posting of the item. I am confused because in this instance, it was provided prior to posting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-31
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was transferred to Freedom Mortgage starting on XX/XX/2016. I had sent a payment to the wrong company XX/XX/XXXX, and talked to XXXX different customer service reps to make sure that a late fee would not be charged. They both stated that they had removed the unauthorized fee, yet they keep showing up in my statements. Under federal law, a person can not be charged a late fee within the first 60 days after a loan is transferred, and a loan is transferred according to the XXXX payment to the new provider ( XX/XX/2016 ). I am also unable to pay the amount without the late fee, unless I call in, in which they charge me a {$15.00} convenience fee! I have my previous conversation with the customer service rep recorded, where she agrees that I am right about the fees, and also promising that it will be removed from the next statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021 I deposited 3 money orders into my Chase checking account. On XX/XX/2021 I discovered that my account had been locked due to suspected fraud. I spoke to a fraud specialist at Chase who advised me that once the funds cleared my account on XX/XX/2021 the account would be reopened and I would be able to use my bank account as normal. When XX/XX/2021 came and went I called the bank and they requested I bring in the money order receipts to have the funds released and that my account had been closed. I went to my local branch to provide the receipts and received the balance of my direct deposit from my employer BUT NOT the {$2800.00} that had been deposited into my account, I was told that the fraud department would review the receipts for the money orders and send me a check in the mail, that never happened. 6 months later and I still have not received a letter explaining what was going on with my bank account or the funds that they are holding nothing. It takes hours to get ahold of anyone that cares to help sort this mater out. After being a loyal chase customer for over 5 years they just up and close my account. I am asking for assistance in this matter as will as interest be paid on the money that they are holding. 

I am asking for assistance in having my money returned to me as well as interest be paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30
Company: National Credit Adjusters, LLC
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
in XXXX I was caught up in the XXXX identity fraud and did my best to clear up all the problems after XXXX XXXX XXXX agreed that the debt was in fact not mine and I never heard from them again now comes XXXX and I am starting to get collections calls and letters from a company called National Credit Adjusters trying to collect this debt, I have informed them that they have bought a fraudulant debt that I have proven was in fact fraud, they refuse to listen. As per my credit report this is the information I have on the company National Credit Adjusters XXXX. XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, KS. XXXX ph # XXXX and the account number they list is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: NE
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 an dispute letter to all three credit bureaus Experian, XXXX, and XXXX to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter on 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 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES that are inaccurate. Please remove the negative items from my credit report immediately.

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