BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-11
Company: Sortis Financial, Inc.
State: WI
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was part of a class action lawsuit against XXXX : a mortgage company that I obtained a loan from. I was experiencing a financial hardship and signed up for the Home Affordable Modification Program ( HAMP ) with XXXX that promised to provide me with a reduced loan payment. This experience was a nightmare! XXXX kept demanding more paper work from me, more check stubs, more proof of hardship, advised me that my paperwork was incomplete ... to make a long story short, my family and I never received the assistance and as a result lost our home early XXXX. 

In XXXX I was contacted by a firm that advised that XXXX mishandled my family and I and that I was eligible for monies due to us being rejected for the loan modification / homeowner saver loan. I was instructed to complete paperwork that summarized my experience ( which I complied ) and my family and I was awarded {$500.00}. This was a settlement amount that I was informed, that I could not later on sue for additional damages. Not expecting this and experiencing devastating financial hardship, this was a welcome amount. 

Year later ( XXXX ), ClearSpring Loan Services began sending me paper work alleging that I owe them {$11000.00}. I advised them that I never had a relationship with them and owe them no monies. They advised that this was a XXXX XXXX XXXX XXXX I received. I advised them that I never received a Home Saver Loan ; because had I, I would still be in my home. I further advised them that I lost my home in XXXX. Requested that they send me any paperwork that I signed, that would show I have any connection with them .... ClearSprings was not able to produce any signed paperwork ; however they did send me some documents and advised me that I " digitally signed ''. I stressed to them that I received NO MONIES from them, no benefit, and no homesaver assistance. ClearSprings advised me that they did n't send the monies to me ; they sent it directly to my mortgage company. I advised them that they would need to seek a refund from my mortgage company then, because XXXX displaced my family and I and we no longer had a home. I have requested ClearSprings to discontinue calling me and demanding monies from me for a service I did not receive and/or benefit from. They continue to do so. 

My family and I lost our home and it was a devastating thing to go through. To find out that we were mishandled and could have had our home saved is even more devastating. To be harassed and victimized again : with a payment demand from a company that did not provide us with services is horrific. My family and I are working hard to recover from our loss and are re-building our future and credit to hopefully become home-owners again. I need ClearSprings and their partners to cease and desist with these harassing activities of payment demands.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The credit companies are not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account XXXX XXXX XXXX/XXXX Account # XXXX XXXX XXXX Account # XXXX US DEPT ED. 
Account # XXXX XXXX XXXXXXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 states I have a right to privacy 15 U.S.C 1681 section 602a 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 2022-07-24
Company: EQUIFAX, 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  Account # 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 US DEPT ED. 
Account # XXXX XXXX XXXX con has violated my rights 15 U.S.C 1681 Section 602 states I have a right to privacy 15 U.S.C 1681 section 602a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: U.S. BANCORP
State: TX
Product: Credit card
Issue: Transaction issue

Complaint:
Went to the credit card companies website to make a payment. I submitted the payment and the response from the website was the transaction " timed out '' please visit our site at a later time. I logout out came back, later and tried again. This time the message was, we are experiencing technical difficulties. please try again later. I did and got the same message. When to check my checking account balance and the transaction was posted XXXX times. Called the XXXX number on the back of the card. Operating asked me which of the transfers were to be reversed and I told her the last XXXX. I asked how long it would take to have the funds returned and she said, " depending on the backlog, between XXXX and XXXX days ''. 
I found this situation unacceptable. Want to let other know of the issue I was having.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hi I received the letter that checking, savings, and credit card accounts would be closed on XXXX XXXX, 2022. I called the number provided in the letter, but they never disclosed why my accounts were closed. 
Recently i refinanced my apartment and used the money to pay off credit cards debt. 
I am trying to pay off my credit cards as I use them. 


It is very disturbing to know that your life can be changed so much by allowing the banks to run algorithms without any input from the customers. 
Please help me determine why my accounts were closed and how I can get it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: FORD MOTOR CREDIT CO.
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 information incorrect

Complaint:
FORD MOTOR CREDIT re-aging charge off. Date of original delinquency was XX/XX/XXXX. Subsequent delinquency dates were updated to XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have repeatedly notified Equifax that they have a duplicate account ( XXXX XXXX Credit Card ) listed on my credit report. The account numbers, date opened and balance are all the same. I have disputed this incorrect information more times than I can count. I have also disputed several other items that were incorrect but Equifax does not take the necessary steps to remove these items. This companies negligience is going to cost me my career. They are never held accountable for their mistakes and the consumer is the one that suffers. Is Equifax going to feed, clothe and provide my XXXX month old son 's need when their horrible reporting system is inaccurate and out of date and eventually costs me my security clearance and job? No. Of all things I have disputed I have never received anything regarding how they " verified '' these negative entries as I requested. This is because they do n't verufy anything. This is merely a ploy to make XXXX of dollars off consumers by peddling there so called " products ''. No one holds these people accountable and they dont care that the inaccuricies negatively impact many peoples lives. They also report inaccurate low credit scores using the incorrect and fraudelent activity that they report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-01
Company: ACS Education Services
State: KS
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:
Tried paying loan installment  XXXX , tried paying full loan amount on  XXXX  and  XXXX  using online payment. Used correct information for banking. All three transactions had correct information to process transaction. All three times transaction disappeared from their website without processing. Tried calling during business hours, no one ever answered. No communication given as to why transaction did not process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: American Credit Acceptance, LLC
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I recently purchased a car XX/XX/XXXX. My payment was due XXXX XXXX. I was unable to make the payment on XX/XX/XXXX. The finance company called me 2 times the morning of XXXX XXXX. I missed both calls so I called them back that afternoon. I spoke with a representative and advised her I would make my payment on XXXX XXXX. She asked me why I was late and I told her. I asked her if I could change my due date she told me once I made my first payment I could get that done. I told her I did not have a statement and I needed it to set up an online account. She suggested that I call in the payment since it was already late instead of mailing it and told me what the fee would be. I told her I would and she said great she would note my account accordingly. 
Sunday, XXXX XXXX, I had a missed call from them. 
On Tuesday, XXXX XXXX I had a missed call from them at XXXX XXXX. At XXXX they called again, I picked up the call and advised the female representative that I spoke to someone last Friday and made an arrangement to pay. She said, okay and we disconnected the call. At XXXX they called again. I picked up and told that representative that this was bordering harassment and that I already spoke to someone on Friday and made arrangements, and that I told that to the representative that called earlier that day. 
Today, XXXX XXXX, they called me at XXXX, I picked up, there was brief silence then the call disconnected from the other end. I received another call at XXXX XXXX. I spoke to that representative and advised her about all the other conversations I had. She said if I do n't ID with a representative they can not note my account. I did not tell her I did not ID with the XXXX representatives that called me on XX/XX/XXXX. How would she know if it was not captured systematically? I told her I also spoke with someone on Friday XX/XX/XXXX and made arrangements. She said the representative I spoke to on XX/XX/XXXX did not note my account. 
In 6 days, between XX/XX/XXXX and today, I have had 4 missed calls, made an outbound call, had 4 incoming calls where I spoke to XXXX separate representatives without giving them ID ; XXXX that disconnected shorty after I answered and this last representative who I had an extensive conversation with, like I did with the representative on XX/XX/XXXX totalling 9 Calls in 6 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: American Coradius International LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a letter from a company American Coradius International LLC claiming that I owe debt to XXXX, XXXX Account Balance is showing {$130.00} My current balance with XXXX is XXXX dollars and I 've never had any issues with XXXX . At the same time XXXX does not seem to be taking this issue seriously. The letter I received from a debt collector seems to be a straight up extortion. Claims that if I do n't respond to the claim in writing within 30 days, the debt will become valid. 

I 'm not going to respond to them as I believe it 's a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Global Payments Check Services, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Block, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Company : Cash App Company address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Telephone number : XXXX Incident Location : Cash App ( digital wallet application ) Incident Time ( start ) : XX/XX/2022 XXXX XXXX  Incident Time ( end ) : XX/XX/2022 XXXX XXXX  Location Type : Cyberspace Seller : XXXX XXXX XXXX Amount in dispute : {$1300.00} Transaction : Cash transferred thru " Cash App '' Narrative : An individual using the name XXXX XXXX XXXX XXXX XXXX, stated that she is a friend of my aunt 's. She posed as someone selling used gadgets for cheap. She sent me a list of available items and proceeded to request money through the " Cash app ''. It has been more than 2 weeks and she is not replying anymore to texts, and none of the items were actually sent. I reached out to the Cash app to dispute the transaction and report the fraud. The company did not investigate and closed the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I bought gift cards to use on vacation, however they was compromised. I contacted the company, they've yet to update me or return the funds. They put the cards on hold as of XXXX XX/XX/XXXX. I logged into the account listed are the merchant it was used for and the amount. 

{$200.00} Gift card XXXX XX/XX/22, XXXX PM XXXX XXXX - XXXX - {$200.00} {$200.00} Gift Card XXXX XX/XX/22, XXXX PM XXXX - XXXX - {$99.00} XX/XX/22, XXXX PM XXXX - XXXX - {$99.00} Balance of XXXX on hold {$200.00} Gift Card XXXX XX/XX/22, XXXX PM XXXX XXXX - XXXX - {$200.00} {$100.00} Gift Card XXXX XX/XX/22, XXXX PM XXXX  - XXXX - {$99.00} Balance of XXXX on hold I attached screenshots of proof I paid for the gift cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have provided the attached letter from the originator of a judgement that was obtained against me by mistake. I have forwarded this letter to the XXXX major credit reporting agencies and all but has remove the item from my credit report. Equifax is the only agency that has not removed the judgement and they have not responded to numerous letters on the subject. I have now been turned down for a refinancing of my home by my current mortgage company, XXXX XXXX XXXX, and this item was XXXX of the reasons stated for the rejection. This refinance would have decreased my monthly note payment by over {$1200.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX transunion llc took one of the dismissed bankruptcy off and not the other one when both of the dimissed bankruptcy are attached, just because somebody file bankruptcy does not mean they went through with the process. I also went to bankruptcy court in XXXX ohio and got certified copies of the dismissed bankruptcy, transunion come back as accurate when it not because most of the creditors are on the XXXX  XXXX which is discharged so they still reporting inaccurate information going by that 3rd party they rely on for information which is 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 2022-07-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
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 Act. XXXX XXXX XXXX XXXX XXXX account XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish a account without written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-13
Company: Stearns Ventures, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
They gave us 2 estimates. A ) 4 % with {$2600.00} lenders credit B ) 3.875 without lenders credit. I was clear we want the 3.875 without lenders credit and they agreed. However when time to sign, They had locked rate at 4 % with {$1900.00} Lender 's credit.

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 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX,,, XXXX  XXXX XXXX,,XXXX XXXX  XXXX XXXX 

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 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,

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 2022-07-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I began to write disputes to each credit bureau ( XXXX, Equifax XXXX XXXX ) In XX/XX/2022 about Inaccurate information being reported on my credit Report. I Read the FCRA guidelines which specifically state that if An account is Inaccurate then it must be Fixed within 30 days or deleted. These credit bureaus have answered with nothing more than A letter saying its been verified but when i asked for the specifics of How these inaccurate accounts were Verified ; I got No answer. 
They send me letter stating that they have received my dispute but then they did nothing to Remedy the inaccuracies. 
I Stated to them that I read How after not updating the correct info, Not Verifying after being asked to verify and Not deleting these accounts that they were in Violation of XXXX USC 1681, reporting old debts as new or re-aged and Also Reporting payment activity in the payment history section after the accounts Were charged off and closed.

Im getting tired of sending letters to all 3 of these bureaus to no avail. Im no lawyer but i can read. From what ive learned the damages being caused by these bureaus is Worth me consulting with an attorney. Please help me because I was told that the CFPB is for Consumer rights that are being violated.

I will attach all proof and letters to this complaint as well. All my mail was sent out certified so they can't say they didnt get my disputes. They just keep choosing to break the law and It needs to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am in the process of purchasing a home and I found a collection account on my report. I called the collection agency ( IQ DATA INT  XXXX XXXX XXXX XXXX WA XXXX XXXX ). They confirmed that this is not my account and that it is reporting wrongfully on my credit report. But, they refuse to remove it on their side. They told me that I need to find the person that owes it and make them pay. That is not place to make someone else that owes them money pay their collection while they damage my credit. This is reporting to both my XXXX and XXXX bureaus and should be removed immediately. 

XXXX XXXX XX/XX/2022

Company response to consumer: Closed with non-monetary relief