BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
Company: Paypal Holdings, Inc
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:
On XX/XX/2022 and XX/XX/2022, I sent {$350.00} payments to XXXX XXXX on venmo to receive services in the form of tattoos on XX/XX/2022. XXXX did not provide me with the tattoos and has not provided me a refund. I reached out to venmo to try to take action on XXXX XXXX account on multiple occasions and to possibly be granted a refund. My first interaction regarding this claim with venmo was XX/XX/XXXX. Thereafter, I tried on XX/XX/XXXX, XXXX, and XX/XX/XXXX. I was told by venmo that I would have to get the money back from XXXX XXXX, or file a police report. However, XXXX has not responded to my messages, and lives in a different state than where I was supposed to get tattood from XXXX XX/XX/2022 I reached out to the shop owner he rents space from XXXX XXXX XXXX XXXX, XXXX XXXX NC ) and explained to him the situation. The owner of the shop reached out to me on XX/XX/2022 and told he has been let go for scamming him, as well as other clients such as myself. From my understanding, XXXX does not intend to pay back anyone he has stolen money from under the guise of tattooing. Therefore this compliant appears to be my last chance at stopping his account so this scam does not happen to anyone else, as well as potentially getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: Shellpoint Partners, LLC
State: MN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern, This is the second time I am filing a complaint about this mortgage company. The last one filed was XX/XX/XXXX and was resolved around the beginning of XX/XX/XXXX. COMPLAINT ID XXXX. I am hoping that your agency still has that on record. Once they sent letters to you and myself, things were fine for a couple of months. Starting in XXXX though, it all started back up again. I was getting mail notices and phone calls saying that I was behind on my mortgage, however I am not! I have made numerous attempts to contact XXXX XXXX who had been my point of contact but is no longer, as far as I can tell. Today when I went to pay my mortgage online like I normally do, Shellpoint has blocked me from making a payment, this also happened prior to my last complaint. I am also blocked from making a automated phone payment and when I call the company, I am directed only to what I assume is a new point of contact who does not answer and possibly has a full voice mail. I have been told by the company that because of the type of loan I have, their system does not recognize it and so payments are not applied to the remainder of my loan. They did though say in writing to you and myself, that this would be resolved ( XX/XX/XXXX ) after many attempts to contact him, on XX/XX/XXXX I did receive a response email from XXXX XXXX stating that he would add in additional comments to my account, which should straighten things out. Apparently that did not happen as I am now blocked from making payment. I am at a loss and beyond frustrated with having to deal with this and it's now been almost a year, since it all started. Their next move, if it is to be like last time, will be that I get a letter from an attorney about foreclosure. This is truly unacceptable, my credit has been affected and well I am very tired of having to spend so much of my time either trying to call them, emailing with little or no responses, answering their calls from the people they hire to call to tell me I am behind in payments, when I am not, and writing letters of complaint. I can not stress enough the fact that I have not so much as been late on any payments in the past 10 or so years. Please help me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: LA
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:
RETALIATION by EQUIFAX against consumer file and financial reporting systems through XXXX, XXXX, a wholly-owned EQUIFAX subsidiary XXXX XXXX XXXX XXXX 

XXXX XXXX, is a wholly-owned subsidiary of Equifax as an Equifax XXXX XXXX XXXX company incorporated under the laws of the State of Georgia, as established notably in XX/XX/XXXX, by Equifax. 

On XX/XX/XXXX, XXXX XXXX, filed an immediate ADVERSE ACTION of financial services against the consumer stated herein to this complaint, without sufficient cause, credible or proper reason, notice, or any justification and/or explanation for such cause resulting in distress, humiliation and violation to the consumers rights and social standing. 

The consumer attempted to resolve the issue immediately by phone as stated according to the ADVERSE ACTION NOTICE received, however, NO SUCH REMEDY for the ADVERSE ACTION was available to the consumer by phone. 

So, immediately following the call, the consumer again, requested a copy of the credit report by fax, for any and/or all account information on file that XXXX XXXX XXXX an EQUIFAX subsidiary would have. 

Since reporting EQUIFAX abuses of the consumers credit report and account, following repeated unauthorized release of the consumers information, unfair score and reporting practices and violations, various undisclosed and inaccuracies are continuing to be exercised against the consumers financial records, accounts, reports and reporting services both by XXXX XXXX, and EQUIFAX which is resulting in undue distress and continuation of unnecessary violations of CFPB guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Title loan was paid off in XXXX  at Title Max and the amount that was paid back was exceedingly higher than what was borrowed I was over charged for the pay off amount the store manager took advantage of me because she repossessed my vehicle because of a late payment and so I had to pay off the whole loan before I could get my vehicle back and they added money to the loan because I was desperate and needed my car so they took advantage of this situation. The loan has been paid off but they over charged me and the store manager disappeared and no longer works there when I tried to go back to inquire about it please help me to resolve this issue they took too much of my money in the pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: EQUIFAX, INC.
State: TX
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 had a total loss fire on my equipment. I immediately filed claim with my insurance company. This was in XXXX of XX/XX/2018. The finally paid my equipment loan off in XX/XX/2018. I couldn't continue my business without equipment to operate. The insurance company XXXX XXXX should have paid after 45 days. I had keep in touch with XXXX XXXX XXXX XXXX XXXX as well. They have my account listed as a paid charge off. XXXX XXXX and Equifax still have this as paid charge off.. This brought my credit score down XXXX points. Im just now getting it back. Not Fair Business. I bought insurance to cover me in case of loss. Instead I lost my business and my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: The Stark Collection Agency, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I applied for a credit line increase on my XXXX XXXX XXXX credit card. 
The next thing I received was a notice from the collection agency that I owed XXXX on an account closed XX/XX/2019 and that account had a XXXX dollar balance per credit union requirements. I closed my checking account over 7 yrs ago and that was paid also I replied back to the notice that they need to validate this debt but instead of validating they reported it to the credit bureaus. See attached statement from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting 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 19th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX , MD XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00}

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 2020-10-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Happy Saturday everyone at Portfolio ; I noticed an account that was removed early this year which original creditor was XXXX, but i just refresh my credit and noticed that your company re-inserted the account without proper notification on this alledged debt. As i said before, i have no recollection or relationship with this company listed and you've failed to provide me detailed request or validation. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies.

In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. 

In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-07-23
Company: Affirm Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
Back in XX/XX/2023, I made a purchase for a XXXX, TX hotel through XXXX XXXX  and decided to pay via Affirm. However, I ended up cancelling the trip, to which XXXX agreed to cancel. I received numerous emails about missing a payment, to which I called Affirm to have this resolved so that this does not impact my credit score or borrowing power. Attached is an email I received from the representative I spoke with on the phone where she indicated that I provide evidence of the cancellation. I provided the receipt of that transaction in response to her email, to which I continue to receive messages about the missing payments. Their emails indicate that you can reply back ( seen at the bottom of the second email ), though this is not the case ; emails are not read when replying to automatically generated emails. The most recent email about a missing payment is also included in the attachment, with a blank page separating the two email messages. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 i submitted a complaint via CFPB website for failure to validate a debt to National Credit Adjusters and got a quick response via CFPB portal on XX/XX/2020 with a letter following a bill statement .This wasn't what i requested and clearly shows that National Credit Adjusters is committing a FDCPA violation which is failing to validate a debt and continues to report a disputed debt to credit bureaus another FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: National Credit Adjusters, LLC
State: TX
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:
National Credit Adjusters Never has this paper work showed that this Debt is my Debt the only thing they have is paper work that has paper work with a name typed that says, XXXX XXXX I have ask them to Provide me a copy of my Signature They have sent me a 8 pages of Documents But NO Signature I am sending in this Request one last time to Remove This From my Credit Report I will Also Be contacting The Attorney General Office about this matter as well XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Happy Saturday everyone at XXXX ; I noticed an account that was removed early this year which original creditor was Cap1, but i just refresh my credit and noticed that your company re-inserted the account without proper notification on this alledged debt. As i said before, i have no recollection or relationship with this company listed and you've failed to provide me detailed request or validation. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity. 

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. 

In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. 

In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting 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 SEVERAL endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX XX/XX/2023

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 2022-09-16
Company: Experian Information Solutions 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:
My name is XXXX XXXX and I have been a victim of Identity Theft. There is an account that does not belong to me. I have sent a letter to the companies trying to get the information removed. XXXX XXXX account does not belong to me and I would like it to be removed from my report immediately as it is causing my financial hardship.

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 2021-11-10
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Hi, I believe that Bank XXXX XXXX is unfairly falsely advertising their loan rates to get consumers to apply. Bank of America was unable to explain to me the reason I did not receive the lowest advertised rate. They only gave me general reasons but not the precise reason for my loan. I have included a copy of my complaint to XXXX XXXX. I am seeking an adjustment to my loan rate to the XXXX XXXX advertised rate when I applied. 

Dear XXXX XXXX, XXXX XX/XX/2022, I applied for a XXXX auto loan. Based on the online application the current rate is XXXX XXXX  minus my preferred rewards XXXX tier discount of .5 % for a XXXX XXXX  rate. I received an approval with XXXX XXXX  rate. A XXXX XXXX and the price you pay for credit letter states I have a XXXX score which is higher than 87 % of US. consumers. 

Based on my excellent credit history, never a default or late payment and my long-term relationship with Bank of XXXX XXXX this XXXX XXXX XXXX me. Can you please recheck my application to see if this is the correct rate. If this is the correct rate, then I would suggest a clearer advertising that states that most applications will not be approved for the lowest rate. 

As a Diamond Tier member I would think that I should qualify for your best rate and if not than I really don't think there is much benefit to being a Diamond Tier member. Hopefully we can solve this issue without any further action needed.

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