BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-18
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Eastpoint Recovery Group, Inc
State: MA
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:
On XXXX XXXX, XXXX. I received a call from XXXX at East Point Recovery group. My phone disconected as I was talking to him before he even had a chance to say what the call was about and inmediately he called my sister exactly 3 minutes after and then my husband. He told my sister to take a message for me to which she said she wasnt interested but if she was I am sure he was ready to disclose my debt. I do not want this company to contact me or anybody who is related to me let alone share personal information. XXXX voice on his voice mail was rude and I have no desire on having any type of contact with him. I know theyre not supposed to harrass me or any of my family members as well as not supposed to offer to leave messages for me with anyone so I hope this issue is solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: CIT BANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I was told in XXXX of XXXX as the loan matured a balloon payment of {$21000.00} was due in XX/XX/XXXX The original loan company was IndyMac Bank The loan was transferred to XXXX a service link company Loan # XXXX Lender Loan # XXXX Spoken with several representatives from XXXX. No one could give me a reason for the balloon payment I've never missed a payment in 15years. I paid the amount of {$21000.00} Why did I have a balloon payment due... was this legal. 
My loan originated XX/XX/XXXX If this wasn't legal or as I heard all balloon payment as of XXXX were canceled, how to i get my money back?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: DISCOVER BANK
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Last year I set up an automatic ACH payment with a vendor ( XXXX XXXX XXXX ) to be made to my bank ( Discover Bank ). I recently cancelled the service with the vendor. I requested that the vendor cancel the automatic withdrawals. I advised my bank NOT to honor any further ACH payment requests from this vendor. However, in spite of my written and verbal requests, the bank continues to honor these unauthorized ACH payment requests and continue to pay the vendor long after the service has been cancelled. I have repeatedly requested that the bank stop and they refuse to do so. I am not concerned about PAST payments - that money is gone, but I would appreciate if they would STOP payments in the future. This should not be that difficult to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-13
Company: Solidus Group LLC.
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
In XXXX of 2014 I paid off an online payday loan. The original creditor was XXXX XXXX with a loan amout was {$300.00}. In order to avoid any legal action I had to pay {$760.00} to XXXX XXXX XXXX. They said someone was on their way to serve me with papers because I 'm being accussed of bank fraud and writing a bad check. I panicked and paid the {$760.00}. A XXXX weeks later I started getting calls from Clear Credit Solutions and they left me voicemails stating it was a legal matter that I needed to resolve before it goes further. I have only received funds from XXXX online payday loan which was paid off. These people continue to call both me and my finance ( who 's name is not on the loan only used as a reference ) and threaten to take legal action if I do n't pay. I 've filed compliants before with the attorney generals office, FTC and CFPB but nothing happens and I 'm scared.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Portfolio Recovery Associates is currently reporting a debt of {$620.00} on behalf of XXXX. XXXX has recently deleted the account from my credit report as of XXXX XXXX, XXXX after the first original 30 day delinquency was reported in XXXX XXXX and was never brought current during the 7 year period. Portfolio has contacted my former employer and myself after being advised not to. I have disputed this account with XXXX and I was informed that Portfolio continues to re-age the account which would allow them to report inaccurate information until XXXX XXXX. Under the Fair Reporting laws, Portfolio can not re-age the account and must list the original delinquency date of XXXX XXXX just as XXXX did before they stopped reporting. I have spoken with representatives at Portfolio regarding their reporting as well as reported them to the XXXX. Portfolio is within violation of the law and they are not allowed to report accounts after the seven year deadline. I have also had this information confirmed directly from XXXX therefore there is no reason for Portfolio to continue with their illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Square 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:
This claim is against CashApp. Money had been stolen from my account on multiple occasion and i tried to resolve the problem with cash app but they don't have a customer service number. they reach out to people via emails and i can't reply to the emails. after three days they send an email stating that they didn't hear from me therefore my claim is closed. Every time i have to go back to my account and report again the same transactions that i already reported just to get the same result over and over.

CashApp is stealing people money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When switching to XXXX they where to pay it but didnt. By time on my credit was during covid shut down and couldnt pay it

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have had a Bank of America Rewards Card since XXXX. I had over a {$3000.00} credit limit on it with a {$0.00} balance. I went to use the card at XXXX XXXX on XXXX XXXX, XXXX and it was declined. I called Bank of America Customer Service and the woman I spoke to ( the call was recorded ) said nothing was wrong with my card and it should not have been declined. I advised her that when I signed on to my online account it should the card in good standing with no balance ( Bank of America has since erased that information from my online account ). I advised the customer service rep I was going to be traveling to XXXX, XXXX and wanted to advise of my travel. The customer service rep said she had noted the travel notice on the card and I would have no further issues using the card. On XXXX XXXX, XXXX I left XXXX, XXXX for XXXX, XXXX. I pulled over to get gas and the card was declined again. Again, I called customer service at Bank of America and the lady noted that se could see that I had spoke to a customer service rep about tis same issue on XXXX XXXX but that the card has been closed! I advised her I never asked for the card to be closed nor did I get notice that it was being closed. I asked to speak with a supervisor and she too said the card was closed sometime in XXXX and that there was nothing they could do. I was not able to use the card at all on my son 's entire XXXX trip.

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 2015-10-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
While reviewing my a XXXX, XXXX and XXXX that a collection notice was placed on my report. I attempted to contactXXXX and PORTFOLIO RECOVERY SERVICES, LLC, arguing that I dispute the validity of the debt without success. I personally contacted PORTFOLIO RECOVERY SERVICES, disputing the validity of the debt. I requested that they provide me with an original signed contract of obligation with the XXXX as a matter of law and PORTFOLIO RECOVERY ASSOCIATES has failed to do so but insist on continuing collection action that a s a direct result of ID THEFT and knowingly with intent to cause me economic harm placed collection status on my credit report making it very difficult to secure a meaningful job and obtain new credits. 
Upon belief and Information, this debt is/was as a direct result of ID THEFT, therefore, I`m not to be liable for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
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 Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX Account # : XXXX reporting innaccurate information XXXXXXXX XXXX Account # : XXXX reporting innaccurate information XXXX XXXX Account # : XXXX reporting innaccurate information XXXXXXXX XXXX Account # : XXXX reporting innaccurate information XXXX  XXXX Account # : XXXX reporting innaccurate information XXXX  Account # : XXXX reporting innaccurate information XXXX ( original creditor : XXXX XXXX ) Account # : XXXX reporting innaccurate information XXXX ( original creditor : XXXX XXXX XXXX ) Account # : XXXX reporting innaccurate information XXXX ( original creditor XXXX XXXX ) Account # : XXXX reporting innaccurate information XXXX XXXX ( original creditor : XXXX XXXX  ) Account # : XXXX reporting innaccurate information These accounts has violated my rights .

15 USC 1681 section 602 A. States I have right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions to do so.

15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 1681 section 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is innaccurate.

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 2015-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
This is a formal notice of dispute regarding information that Bank of America sent to XXXX, a consumer reporting agency. 

The following false information was sent to XXXX : XXXX XXXX, 2014 Suspected Fraud ActivityThis information was disputed with XXXX on XXXX of 2014 ; however, Bank of America verified the information as accurate. This falsely reported information damages my financial reputation and should be removed immediately. 
Bank of America report account suspected fraud when in fact, no fraud took place. There was no illegal activity on the account. 

Bank of America did not experience any financial loss and no money is owed on this account. There was no violation of the account agreement that governed the account. 

Under my rights under the Fair and Accurate Credit Transactions Act, I am asking for an investigation of this reported information, and removal of the false information reported to XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My previous Mortgage Servicer sold my loan to Carrington Mortgage Servicing in XXXX 2013.Prior to the transfer, an Escrow Analysis Report was completed and my payment lowered as a result.A few months after the loan transfer was complete i received a new Escrow Analysis that was completely different from what i had been given by my previous servicer.Carrington Mortgage Services or CMS stated i had an Escrow shortage, and as a result my payments would go up.I immediately knew something was not right, but after reading and hearing how poorly this company was rated in customer complaints/reviews, i decided to send in the entire shortage amount to keep my payment from going up.I called CMS service number and was u nable to reach anyone after XXXX.After XXXX days, i spoke to XXXX of their reps to get instruction on sending the amount in.After speaking with the person, i wrote a check and mailed it to their stated address with all information requested.On my next statement i noticed it had been received, but instead of applying my money to the so-called " shortage '', they put it as being in a suspense account.I called them only to get a very XXXX girl on the phone who blatantly lied to me, telling me she had requested it to be moved into the Escrow account to correct the shortage it was sent for..Needless to say, this did not happen.After calling them XXXX different times and being told the same false information, I am furious at this company for refusing to process my Escrow payment.They had the nerve to send another Escrow Report this month telling me there was now a XXXX shortage, on top of keeping the previous amount i sent in.This Mortgage Servicer is crooked, dishonest and determined to force people into account issues, even if they have current status.Their Customer Service is poorly trained, expected to lie and ranks at the bottom of the list with consumers.Some have had terrible experience with this company, and i fear enough that i am searching for a way out from under this company.Their practice of frauduently increasing mortgage payments through bogus Escrow analysis claims must be stopped.I want my previous servicer back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2015-04-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have been repaying student loans mostly consistently since 2005. I have XXXX loans, XXXX Private unsubsidized, XXXX federal ( XXXX subsidized and XXXX unsubsidized ). The total amount borrowed since 2005, the XXXX is {$50000.00}. I recently checked the amount I paid over XXXX years of repayment and have paid nearly {$19000.00} in interest only payments on these loans with principal only being reduced slightly by approximately {$2500.00}. 

As of today, XXXX XXXX. I still owe in the ball park of {$47000.00}. I recently spoke with Navient to explore ways in which I can repay these loans back faster because I feel like the amount I 've been paying should have reduced principal more than {$2500.00}. Considering I have 10 years of diligent and consistent repayments on my record, Navient was unwilling to work with me to make paying off my loans easier. They would n't offer me reduced interest rates, would n't re-negotiate a lower lump sum payback, would n't work with me to ensure that any money 's I pay above their monthly minimum would be used toward the principal of any specific loan. 

Their unwillingness to work with me to help me pay these loans back is criminal and their interest rates are predatory. Something has to be done to offer flexibility in repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX, 2015, I was served papers from Portfolio Recovery Associates , LLC assignee of XXXX XXXX. RE : XXXX XXXX XXXX. Please see previous complaints. They were filing a claim that I owed them funds in the amount {$3600.00}. My court date was XXXX/XXXX/2015. I pulled transactions page from my previous complaints that was provided by XXXX XXXX XXXX. This showed exact charges that were given to me by the original name of company. I also, counter sued this company stating that I over paid on this account. I showed up to court. However, Portfolio Recovery Associates , LLC assignee of XXXX XXXX ( name changed from XXXX XXXX XXXX ) Their claim was dismissed. However, they now have a judgment to pay me the over payment of {$2200.00}. I am filing this complaint because I am unable to contact this company by phone or by mail to get them to pay money that I overpaid and was reviewed by a judge. The numbers provided do not send me to any person that can help me in this manner. 
I would also like to include copies of this judgment against this company in hopes that I might retain over payment sum of XXXX. 

Thank You, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife and I got XXXX XXXX  with XXXX in the fall of 2021 and were late on a mortgage payment. My wife is a XXXX XXXX and took months to recover. We were too ill to contact the mortgage company and had a late payment. We notified our loan provider LoanCare in XXXX XXXX XXXX  XXXX and asked that they remove from our credit report. We sent XXXX results XXXX XXXX XXXX but they DO NOT CARE. We never had a mortgage issue with them before this and are current on our mortgage. Cant imagine how awful they are if you are truly struggling. They did nothing to work with us over a simple matter. I called them multiple times to no avail and the decision makers will never talk to you directly. 

Now due to this matter I can not get lending and may lose {$50000.00} in deposit. 

This should not be this difficult to resolve. Banks need more government oversight because without it they are just predictors praying on any weakness.

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 2017-01-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am set to begin repaying my loans on XXXX XXXX. I called navient to see what my payment options were and they gave me what my monthly payments would be. I asked if the payments could be lowered and they told me that was the lowest they could go. By XXXX I will be paying about {$400.00} and this is not something that I can afford. I believe that these companies are setting newly graduated students up for failure and it is a shame. While I do understand this money needs to be paid back it needs to be done in a decent fashion.

Company response to consumer: Closed with explanation