BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-03
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Refer to complaint XXXX this is not resolved. Do the math. Get all payments from XXXX before loan was transferred to you, and yours, add it up, and figure it out. My escrow is still way too high. Reduce my payment and give me a refund on the escrow overage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Block, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I got scammed out of {$320.00} of cashapp and I call and texted them about it and they told me that they cant do anything about it and lied to me about it so they didnt care and didnt listen to me at all.the first transaction it was {$300.00} dollars then the second transaction was {$26.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX has violated my rights. 

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

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 2022-09-23
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the FAIR CREDIT REPORTING ACT, XXXX XXXX XXXX XXXX XXXX has violated my right under 15 USC 1681 section 602A and 604A section 2 and 15 USC 1666B View attachments below

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: The McHughes Law Firm, LLC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XX/XX/2022 my Drivers License was suspended due to a debt of a little over XXXX dollars for an old accident. I was never notified I was getting sued. They had wrong name and addresses when I was sued and license suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: TX
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 disputed XXXX XXXX XXXX numerous times since XXXX  on my Experian credit file and continues to remain. I called XXXX XXXX and they have an incorrect name associated with my social security number and refuse to tell me how to speak with anyone in accounting and will only give me a customer service number. I have spoken to Experian countless times on this same issue and the only thing I am told is that all they can do is dispute it, despite me asking them to request the file and see that the name associated on the account is not 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 2023-09-06
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
discover bank {$0.00} XX/XX/2021 the account shows closed but still is showing on my report this is fraud and i want it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 XXXXXXXX 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 an account without my written instructions.

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 2022-09-23
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I signed up for a card with Old Navy. This was right before they changed the banks so it was starting with XXXX They are now with Barclays bank but they said that they could no longer help me. I went ahead and just paid the balance that Im disputing because it has affected my credit outrageously taking me from good credit to below average. Ive been trying to dispute this since Ive signed up because I never received my card and there was a balance on my card. So I need help to fix this error.

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 2022-06-08
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX Account has been permanently suspended. When I called customer service representative told me that my account had been permanently suspended but could not give me any information told me I needed to write them a letter requesting information when asked about the money remaining in my account which is over XXXX dollars she said I would have to write a letter inquiring about my money also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
Company: AMERIS BANCORP
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ameris Bank advised they paid my XXXX mortgage with check number XXXX in the amount of {$4900.00} XX/XX/XXXX. 

In XX/XX/XXXX I received a Delinquent Tax Notice from XXXX XXXX stating I owe {$4900.00}. I immediately contacted Ameris bank and created a case XX/XX/XXXX. I had to follow up XXXX then was told the case was taking longer XX/XX/XXXX. After XX/XX/XXXX I called again received certified mail the county will post notices on the door of the residence. I've been calling/emailing every business day since XX/XX/XXXX to try to get attention on this issue. 

After 2 months of no responses and me taking time off work to call in every few days they finally paid it but took the funds from my XXXX escrow. 

XXXX I called concerned about how my XXXX taxes will now be paid. I am told I now have to pay all these taxes when it is showing on my account the 2 payments for XXXX of XX/XX/XXXX payment of {$4900.00} and XXXX payment of {$5000.00}. 

Ameris bank not only had poor business practices with sending out payments to the wrong Tax ID, they were unresponsive for 2 months requiring me to take time off work. I see this issue not closed due to them taking funds from XXXX escrow. 

When I called XXXX I was told I will need to pay back the {$4900.00} because I was issued overpayment in XXXX. Keep in mind we closed on this property XXXX of XXXX and we were told it was overpayment. The statement did not specify 'Returned ' payment or any indication our taxes for the year were not paid. 

We had no indicated in XXXX they sent the taxes to to the wrong Tax ID. It is now 6 months later and they are telling me I have to pay an extra {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
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:
In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX and XXXX XXXX account # XXXX, has violated my rights. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had a car loan with Santander consumer USA. My first late payment was in XX/XX/2015. I had asked them to up date the information as it will be coming off of my report soon and they went back into their records and put that I was never late. I honestly had a difficult time paying this company and I later found out that they were a predatory lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Credit has called me every single day starting from XXXX XXXX, 2022. They said I owed them debt, but due to the limitation of statue, they couldn't sue me or put it on my credit report. I told them to send me confirmation of this debt via mail because I do not have any debt. They call EVERY SINGLE DAY. Including during work hours. I want it to stop. Please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29
Company: SYNCHRONY FINANCIAL
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: Their investigation did not fix an error on your report

Complaint:
Account : SYNCB/XXXX  XXXX - ( last reported XX/XX/XXXX ) - CLOSED account delinquent/late payment. During the pandemic, in the month of XXXX I had merchandise on order from XXXX XXXX which had been delayed on delivery for a 3rd time. I chose to cancel most of the purchase and only wanted a single item for which I was going to pickup from the warehouse to avoid a delivery fee. An attempt was made to deliver merchandise at my residence, I refused delivery due to the fact I was going to be picking up the merchandise. I went to the warehouse to pickup merchandise and was told it was out of stock, therefore never receiving anything at all. I was later charged on my Synchrony/Ashley XXXX account for merchandise I never had delivered or picked up. I submitted several disputes with Synchrony/Ashley to get the balance corrected on the account and was instructed to not make a payment on the balance since I never received any merchandise. The length of the disputes and the fraudulent balance was extensive. 

I am requesting that they remove the delinquent reporting for months XX/XX/XXXX 30 days, XX/XX/XXXX 60 days & XX/XX/XXXX. This reporting is inaccurate due to the fact that they reported my payment as being late when the balance was inaccurate and I was in the process of multiple disputes trying to avoid paying for merchandise I never received. This reporting is negatively impacting my credit report and is a result of their error, I would like a speedy resolution/response to correct this and to have all derogatory marks on this account removed.

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 2022-09-23
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
After reaching an agreement with CREDIT ACCEPTANCE CO, and paying the amount of {$1900.00} as required to close this case, CREDIT ACCEPTANCE continues to misreport the credit by lowering my credit score and allegedly increasing the interest balance on the account, this has now been resolved., and I demand that it be corrected, I attach documentation as proof of payment, arrangement and notice of the credit that was charged more to the account and lowered my credit score

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 2022-12-04
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Good Day Everyone, I had a forbearance for my mortage during the pandemic because my health was compromised and could not work.

However, when the forbearance ended, Freedom mortage waited until the interest rates went up before they removed me from the foreberance. 

My forbearance ended in XX/XX/XXXX, they waited till XX/XX/XXXX before they finalized me back into the system with the highest interest rates ever. 

I was supposed to be paying between {$1200.00} to {$1400.00} with low interest rates but they waited until it went up to {$1600.00} before they brought the paperwork for me to sign. They purposely withheld the low interest rates paperwork for about 7 months. 

I called every XXXX weeks and they kept giving me the run around saying my name was incorrect on a paper work to sign. 

They stated that the low interest paperwork was handled by a XXXX party company and they can not do anything about it. That was almost 7 months of waiting. 

However, when the mortage interest rates skyrocketed by XXXX XXXX, in less than a week of them calling me about it, they delivered the paperwork via XXXX  to my door and sent in their own payed XXXX XXXX come to house to ensure I sign their high interest rates.

I believe this was done on purpose to make sure they keep me on high interest paying rates.

2. Another thing they did was that they refused to grant me access to my mortage equity. 
My equity grew during the pandemic, and I wanted to acess it, the mortage officer assigned to me stopped answering my calls and emails and never gave me a reason why I could not acess it. 



XXXX. The XXXX thing is that they they have a negative missed payment ( XX/XX/XXXX ) on my credit history. That single act have kept my for my credit scores low since XXXX. I have never missed a payment but they have that on there. 

This company called XXXX XXXX have done this things to me and made my life hard. 

Thank you. 

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 2022-12-04
Company: BlockFi Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2022 XXXX XXXX I submitted a transaction to withdraw XXXX ( XXXX XXXX ). 
The Estimated delivery date was XX/XX/XXXX, XXXXXXXX XXXX The transaction is still pending and XXXX waiting way over the maximum sending time of 7 days. 

Nowhere in BlockFI terms is written that it is allowed for them to pause client withdrawals. 
Furthermore they guaranteed that " BlockFi shall not sell, transfer, loan, hypothecate or otherwise alienate cryptocurrency held in [ my ] BlockFi Wallet [ ... ] ''. Thats because they claimed in their Terms that " the title to the cryptocurrency held in your BlockFi Wallet shall at all times remain remain with [ me ] and shall not transfer to BlockFi. '' On XX/XX/2022 I contacted BlockFi and created a ticket concerning this matter. 
Until today I received no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
In  XXXX  a company I work for in the United States sent me a  XXXX  dollars payment by check by mistake ( because I always request bank transfers, not che cks ) and  sent it to the wrong address in my country,  XXXX .     This check was cashed by an unknown person. The company that sent the check always told me that I was the who had to make the claim to the bank,  XXXX  Bank  XXXX ,  XXXX , and so I made several claims and attempts to solve this issue, but given my country of residence communication was not fluid and it was difficult to send the requested forms, which were rejected, so I could n't find a solution as time went by.     Last year (  XXXX   ) I  decided to contact  XXXX  bank once more and send new documentation and forms, unfortunately, this time JPGMorgan Chase Ba nk, N.A. d enied my claim to  XXXX  giving the following reason : " The statute of limitations or period for notice of a claim under either statute or your deposit agreement has expired. '' Despite the allegedly expiration of limitations, I feel that my claims were not taken seriously, especially since I do n't live in the  XXXX  and I ca n't file a claim in person, causing that my money, which represent an important sum to me, is still lost, and of course, banks are avoiding my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
In accordance with the Fair credit reporting act the list of acounts below has violated my federally protected rights to privacy and confidentiality under 15USC1681. 

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 15USC1681 section 602a States that I have the right to privacy. 
15USC1681 section 604 ( 2 ) States a consumer reporting agency can not furnish an account without my written instructions.

15USC1681c section ( a ) ( 5 ) States no sonsumer 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. 
15USC1681s2 ( 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 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 2022-12-04
Company: Paramount GR Holdings, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Goodleap is the lender for XXXX XXXX which went bankrupt on XX/XX/XXXX XXXX state Attorney Generals have requested all the lenders with XXXX XXXX customers suspend the loan payments. Goodleap is refusing to do that. My solar system is 100 percent nonfunctioning for close to a year now bc of installation and insulation faults. I have requested from Goodleap a letter stating that my payment not be raised in XX/XX/XXXX or XXXX/XXXX bc I havent reached the targeted balance they want by that time cause I cant afford to pay thousands extra my utility bill is very large bc of no solar Goodleap is refusing to work with its XXXX XXXX customers and ignoring the requests of 9 state AGs I havent stopped auto reg payments to Goodleap but they will not work with me to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX XXXX  XXXX  reported a late payment on my account when I paid them back in XXXX I've paid them every month on time for the last 4 years and they reported late for 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 2021-10-02
Company: AmeriCollect
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am a XXXX XXXX female enrolled in the XXXX XXXX XXXX XXXXn. Under the plan I am only responsible for a daily XXXX charge of {$120.00} when I was admitted back in XX/XX/2021. The insurance plan paid for ALL services rendered in the XXXX but a bill for {$170.00} was sent to me for lab. tests. Under XXXX XXXX XXXX balance billing is NOT allowed! The creditor ; XXXX XXXX XXXX XXXX XXXX XXXX filed a notice with a collection agency to recover {$170.00}. 
Since this is a balance billing matter it is NOT allowed under XXXX XXXX rules.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation