BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: GA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts, inaccurate address and inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts, inaccurate address and inquiries : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX , MI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX  XXXX Balance : {$10000.00}, XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I called Bank of America to report the fraud. There is a charge of {$7.00} posted to my account on XX/XX/2021 with the description " XXXX XXXX XXXX NY ''. It is already pretty apparent that this is fraud, because if the newspaper subscription was from a company like XXXX or XXXX  XXXX, it would actually mention the name of the company in the description of the charge. Here, it just says XXXX XXXX XXXX  without mentioning the name of the newspaper. I tried calling the number given in the description, and what happens is that, for a split second, it looks as if someone picks up the phone, but then the call gets immediately hanged up. Bank of America told me that they were going to issue me a refund and send a new credit card, but I wanted to report this incident, because after making some XXXX searches, I saw that I was not the only one who was targeted! I saw some forum posts, where other people describe a similar issue. It also looks like they are pretty smart about who they are targeting : they seem to be targeting only people who actually have some sort of real newspaper subscription ; my guess is that they are hoping people would just not notice the charge on their account, or would notice but gloss over because they do have a real subscription after all. THIS LOOKS LIKE A SOPHISTICATED ATTACK. PLEASE DO GO AFTER THEM. PLEASE.

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 monetary relief
Consumer complaint received 2023-01-20
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
Paypal banned my account. I comply with their legal agreements but they shutdown my account. According to paypal I violated on their agreement specifically, on sales of XXXX XXXX XXXX XXXX certain XXXX XXXX  or other products that present a risk to consumer safety. I did tell them that I did not use my account on XXXX XXXX But still they did not accept my reason. Please help me restore my account. Because I am using it on my business and I am having trouble on receiving money internationally because of what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: NCB Management Services Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt collector named NCB Management Services Inc. or XXXX is XXXX XXXX XXXX and calling her about my debt that is fraud. They called her XXXX times and were rude to her too, demanding she tell them where I am and that I am there, but she is lying to protect me. My mother lives in XXXX XXXX  and I live in XXXX, so there is no reason to call her several times about my situation. She is a XXXX XXXX  and causing her XXXX and XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: ALAMEDA MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX made promises to me in XX/XX/2022 that my loan would be for XXXX cash out and take about 2 months. XXXX made the samXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX made the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX from XXXX to XXXX. 

I thought my loan had started, I gave XXXX every piece of document he used in the loan by XX/XX/XXXX. However, XXXX said he needed my certificate of occupancy to go forward. He needed that in order to make the appraisal work for the loan. So he lied to me to make sure that he increased my interest rates XXXX % for the entire loan. 

XXXX also said I did not qualify for a home equity because XXXX XXXX is qualifying for a home equity anymore since covid ''. the qualifications have changed, you don't qualify. But that was also a lie so he could refi the entire amount of the loan he did a year an half earlier. 

How is that the Alameda Mortgage standard of care that XXXX XXXX the board of XXXX agrees with and says its a competitive loan??? Its fraud!!! The claim at the California Department XXXX Financial Protection and XXXX is the same as the one here. please answer my question, why is this ok>? >?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was withdrawing {$400.00} from TD Bank ATM machine in the machine jammed and does not give me the cash. I contacted them and they said it was my banks problem. And now they will not return my calls or my messages. The machine was inside of XXXX and the store clerk Also heard the machine jamming. Its been over a week now and I still have not got contacted by anybody after many tries on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/23 payment of XXXX was sent for half of payment to receive two XXXX XXXX  tickets to a user. Upon sending I tried to go back and click not btwn friends but it was too late. I contacted Venmo immediately to cancel the transaction. After more digging I noticed the user set up fraudulent fake accounts to send money back and forth to seem like it was legit with the same emojis like pizza or gas. 
Venmo would not stop the transaction and said they would get back to me in 5-7 business days. 

This scammer will continue to hit more innocent people and the account/s have not been shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: MONEY SOURCE, INC., THE
State: AL
Product: Mortgage
Sub-product: USDA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I contacted company to advise that I needed to apply for a forbearance, and submitted that paperwork, I never heard from company on forbearance, I then get a letter stating the needed more paperwork, I submitted all of that information online. I sent emails, no response, I requested a manager call me, no call. I got calls from several departments, and each one had no clue what was going on. I need to keep my home, my husband passed, and its been hard. There was no probate due to his will and in state of XXXX, you can simply take over the loan by making the payments, I was never told anything other wise. I was all he had, his spouse and I am just trying to keep our home and get afloat. 
I

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Experian Information Solutions Inc.
State: GA
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:
This is my follow-up complaint about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA 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 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 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

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 2023-07-31
Company: Thunderbird Collection Specialists, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This complaint is about Thunderbird Collection Agency or TCS. They call repeatedly from multiple different numbers. 
A recorded name of XXXX XXXX from number XXXX. Identifies at TCS Another call from someone named XXXX XXXX -- the recorded message just say " this is XXXX XXXX. Call me. This is XXXX XXXX '' I have looked up both TCS and XXXX XXXX. Found quite a bit of bad information about Thunderbird Collection Service TCS and its owner and director XXXX XXXX. Many claims of fraud reported. I have tried to call back to tell to stop and their is no way to leave a message after phone phone picks up call. 
I have no idea what this could be? They never ask for me by name. It is never a person, always a recorded call. IT has been going on for months -- mutliple times/week. 
I have blocked the call -- so it just goes to voicemail but it is multiple messages left. 
It just needs to stop. I have been on the DO NOT CALL list for years. 

Please help make TCS, XXXX XXXX and XXXX XXXX stop. I am confident you have heard of this company and the names based on what is all over the internet about them.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: EQUIFAX, 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:
XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Experian Information Solutions Inc.
State: IL
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 U.S. DEPARTMENT OF EDUCATION 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

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 2018-05-24
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX I logged in to make a purchase on my XXXX XXXX credit card. I had a XXXX balance. I have diligently paid my account on time every month. When logging in a find out they had reduced my credit limit with no notice and for no reason what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Commonwealth Financial Systems, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX  is a scam and didnt receive proper treatment yet charged. Had to go to actual orthodontist. {$1300.00} Installment loans on my account had hidden fees that were Not disclosed. 

XXXX XXXX XXXX XXXX and XXXX XXXX  call me everyday to settle account but shows up as charge off and are actively charging the account. {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: 21ST MORTGAGE CORP.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made my mortgage payment on XX/XX/2022, 8 days before the due date. The amount of {$370.00} was debited from my account. I was contacted by my mortgage company 21st Mortgage, a few days later stating they didnt receive my payment. I verified with my bank that the ACH was sent and received, and it was. I then contacted 21st to inform them my bank verified the transaction was successful, and they still deny it was received. They have failed to look for the payment, and properly apply it to my account. Im not sure if it got applied to another account, what happened on their end, but the payment was received. They have also changed the due date of my loan when they bought my loan, changing the original terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Universal Fidelity LP
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company name XXXX XXXX, sent unsolicited mail package, and then periodically kept mailing {$49.00} bills. According to the Federal law, a company can't send bill or debt collection notice for unsolicited order. However, a debt collection company, named Universal fidelity LP, on behalf of the aforementioned company ( contact address below ) keep mailing to pay up for the unsolicited item. In this era of XXXX no company ever send out packages/shipments to the recipient without credit/debit card information on file. I never ordered anything from XXXX XXXX, didn't even hear their name before receiving the mail. This is a clear case of scamming scheme. Please take action to prevent unsuspecting civilians from this type of scammers. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX Universal fidelity LP XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
State: NJ
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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 ; XXXX  and Transunion are reporting incorrectly a collection/charge-off on the - XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been sold to XXXX XXXX XXXX XXXX ( please see attached letter dated XXXX. ) This account needs to report a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to report this item with a balance when it has been sold. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2022-03-21
Company: Makower Abbate Guerra Wegner Vollmer PLLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
More accurately, they attempted to collect debts that have either already been paid or are not owed. The collection agency drafted a Notice of Lien against my condo unit on XX/XX/2021. To date, the notice has not been filed with XXXX XXXX, where I live. The Fair Debt Collections Practices Act prevents collectors from making : Threats to do things that can not legally be done, or threats to do things that the debt collector has no intention of doing I have several reasons why this Notice of Lien can not be filed. Those being : Article VI, Section ( c ) ( i ) of my condominium 's bylaws states violations are to be sent by certified mail. They sent this notice by first class mail. 
In order for a document to be eligible for recording with the XXXX County Register of Deeds, The Total value of real property must be stated on the face of the document or the affidavit attached ( MCLA 207.504 ) The name and address of the grantee must appear that convey or encumber real estate. ( MCLA 565.201 Sec 1-A, D ) MCL 559.208 ( 3 ) ( b ) of the Michigan Condominium Act sets forth the pre-foreclosure notice requirements, one of those requirements stating that " The notice of lien SHALL BE IN RECORDABLE FORM, executed by an authorized representative of the association of co-owners and may contain other information that the association of co-owners considers appropriate. '' The Act also goes on to state in part ( c ) that the notice shall be recorded in the office of the register of deeds in the county in which the condominium project is located and shall be served upon the delinquent co-owner by mail. XXXX only satisfied the second half of the preceding sentence by serving me by first class mail as this document is not recorded in the XXXX XXXX Register of Deeds The notice, as it stands, can not be recorded with the county, thus violating a requirement of the Michigan Condominium Act and thus violating the FDCPA by making a threat to do something that can not legally be done. I also assert they had no intention to file the notice by virtue of when the document is dated and the fact there is no Notice of Lien on file with the XXXX XXXX Register of Deeds ( ocmideeds.com ) for my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have account from years with wellsfargo bank and I notice some discrepancies at my account with the money

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 2022-09-04
Company: Experian Information Solutions Inc.
State: DE
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:
Hello My name is XXXX XXXX XXXX, I am writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I'm trying to buy a home for my family and with these items on my report I won't be approved. I ask that the items be corrected on my credit report. I reported the theft of my identity to the federal trade commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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