BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This matter centers on a credit card I had with Capital One which I had paid off in XXXX. 
Some time later, I learned Capital One was reporting a balance owed. Cpaital One and I were in contact in XX/XX/XXXX about how to resolve the issue. 

On XX/XX/XXXX I received a letter via USPS regular mail from XXXX XXXX XXXX, XXXX ( see attachment # 1 ). This letter notified me of their intention to file suit against me, with no instructions or opportunity to discuss or remedy. This letter also informed me that XXXX XXXX XXXX are not legally licensed in California as debt collectors. The letter is not signed by an attorney, the name is crossed out and the name of XXXX XXXX is handwritten in the salutation. 

On XX/XX/XXXX, four days following receipt of their letter, I sent a validation notice response to XXXX XXXX XXXX via USPS Certified Mail. According to USPS tracking website, my letter was delivered and received by an individual at XXXX XXXX XXXX on XX/XX/XXXX. ( See attached letter, USPS receipt for transmittal and USPS tracking printout confirming my letter delivered to an individual at XXXXXXXX XXXX on XX/XX/XXXX attachments 2, 3 and 4 ). 
. 
My validation notice to XXXX XXXX XXXX sought validate information as provided for me as a consumer by the FDCPA. Specifically, 1 ) Verification of the creditor they claim to represent. 
2 ) Validation of the basis for the debt. 
3 ) Provide a copy of the last billing attempt by their alleged client. 
4 ) Verify what payments may have been made since the last billing. 
5 ) Verification that XXXXXXXX XXXX XXXXXXXX have a debt collection license in the State of California. 
6 ) Notifying them I disputed the debt. 

As of today, XX/XX/XXXX, XXXX XXXX XXXX XXXX has not responded to my validation notice. Their failure to respond to me within 30 days is a violation of my rights as a consumer according to the FDCPA. Instead, they chose to file a complaint in Superior Court ( Superior Court of California , County of XXXX, Case # XXXX attached ) on XX/XX/XXXX. I was served at home in front of my wife and children. I consider this to be an attempt to intimidate, harass and coerce me into paying an unverified debt they are not licensed to collect. 

As required, I have filed my response to my to their complaint on XX/XX/XXXX ( attached ). 

In addition to this response, I am filing complaints with the CFPB and Attorney General of the XXXX of California.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: HYUNDAI CAPITAL AMERICA
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX my bank sent the pay off to Kia to payoff my lease and purchase the car. I mailed in the Odometer statement to the address provided on the statement. On XX/XX/XXXX I received a letter in the mail with a Bill of Sale I needed to sign and a place to fax it too. ( Please see original letter ) I faxed it to the number on the letter on XX/XX/XXXX ( see first fax receipt ). On XX/XX/XXXX I received notice from my bank, the new lien holder, that I needed to provide proof of insurance. However, I can not do this until I receive the title and can register the car in my name. On XX/XX/XXXX I called Kia and spoke with a customer service rep who said it had not been received and I should fax it to a different number XXXX XXXX XXXX XXXX. I did this immediately ( please see second fax receipt ). 

Today, XX/XX/XXXX, I called Kia again to confirm the bill of sale had be received. The customer service rep said it had not been. I asked to speak with a supervisor. The supervisor informed that I needed to send it to the XXXX XXXX XXXX XXXX fax number. When I told her I have a receipt that I did so and I needed the title immediately since I had to get the car registered as I can not drive it currently without. I asked her what I needed to do to get the Bill of Sale send over immediately. She told me there was nothing she could go and told me she was terminating our phone call. 

My car has been paid off since XX/XX/XXXX and Kia is refusing to send me the title. I can not drive my car and have had to walk to work for over a month now.

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 2021-01-12
Company: BERKSHIRE HILLS BANCORP, INC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i am XXXX veteran. On limited income. i count every penny i closed on my home in XXXX XXXX after closing i filed my XXXX exemption for my home which lowered my monthly taxes by about XXXX +/- a month. The mortgage servicer ( berkshire bank ) over paid my property taxes by 2 and half times the amount due. in XX/XX/2020 they received the refund back from the county of {$2100.00} which was confirmed with XXXX who works for Berkshire bank.When we asked why these funds were not refunded back to me the buyer since there were not due and my mortgage payment adjusted XXXX stated they didn't have to they kept it in the escrow account. 

why does the mortgage company need to keep 2.5 times the amount due for taxes in escrow? 

currently there is over XXXX in my escrow account and the tax bill for all of 2020 is {$960.00}. the homeowners insurance was just paid in XXXX. they are not refunding back to me the excess in escrow as i should have a check for over XXXX on top of that my mortgage payment should be a maximum {$550.00} with the adjusted taxes and they refuse to lower it from XXXX. due to Berker shire bank refusing to refund my escrow account and lowering my mortgage payment to the appropriate amount. i have had to sell my car which the payment was only {$300.00} since the mortgage company overcharged me by over XXXX i just couldn't afford it I need help as i have perfect credit and need to live with in my budget please help me as they are stealing from me. i need my money as i barely have enough just to buy groceries. 
i live in XXXX XXXX XXXX district and have reached out numerous time with no response form her office either as i thought public official where there to help citizens in trouble.

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 2022-04-29
Company: Experian Information Solutions 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 accounts listed below have 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 XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX XXXX XXXX  XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX and 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 2023-10-25
Company: EQUIFAX, INC.
State: NY
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 numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
XXXX 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 2021-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
on XXXX i looked at my statements and saw on XXXX and XXXX i had XXXX $ missing. looking them over i go from a available balance of XXXX $ down to XXXX $ on a XXXX $ atm withdraw. on XXXX i go from XXXX $ down to XXXX $ i called the bank and they had no answer for how im missing $ i filed a claim but had my account closed witch i found weird because i had done this once before and didn't have it closed i told them I'm verified with XXXX already but they will not open or return my XXXX if u look at the available balance and add u can see $ is gone that i did NOT authorize

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 2019-06-20
Company: Square Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX I used cash app to transfer an individual {$380.00} for an item I wanted from him. I had conversation with him on the social media XXXX about the item and everything. And one day I got  on XXXX to talk to him again and he blocked me and our conversations were gone. So I filled a dispute through XXXX XXXX and cash app. So filing up on these disputes XXXX XXXX said everything came back good and there were no fraudulent activity. Well there is because I never received my item. And when I try to talk to cash app they tell me to get ahold of XXXX XXXX, but when I get ahold of XXXX   XXXX they tell me to get ahold of cash app ... its a back and forth battle between the 2 companies. Ive been fighting this dispute since XXXX and nothing has been done and Im out {$380.00} because of it. I have the receipt from cash app from the transaction. Cash app has no actual person to talk to which makes this process even harder and will not respond to my emails or social media messages. Also I have a group of people that have been ripped off by this one individual and they have all got their money back, I dont understand why I havent yet. I can get you their info if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Experian 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 REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with fraudulent unauthorized inquiries

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 2022-10-13
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 another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was 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 are not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: GA
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:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of the Equifax data breach and inaccurate information needs to be removed - XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: Innovate Managed Holdings, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off this vehicle back on XX/XX/2022. There was an overpayment of {$140.00}. Refund has still not been issued despite contacting the loan company and giving them my checking account information XXXX times. The last call was made on XX/XX/2022. They unable to give me an answer as to when my refund will be issued. Previous phone calls I made I was always given an excuse either they need my checking account information or their supervisor is in the hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is a two part compliant. 
One ; during the shutdown, Freedom Mortgage, CEO & President sent out an email advising me that due to the pandemic any late fees incurred during said month would be waived. However, none of these have been waived. 
The only income my husband & I receive is from his employment & my business. Well as you know, 2020 has been a year of lack. So during the shutdown, we did not receive any income what so ever. For 6 weeks we had XXXX money coming in. Unemployment finally came but not until sometime in XXXX & we are still waiting on the remaining. And this was only to supplement my husbands income. We still had to pay our Business Bills on top of our home. 
We also did not receive the " Stimulus '' money like everyone else. We didn't get it until a few weeks ago. So a Hardship is defiantly an understatement. 
I have called many times & requested these late fees be removed as I was told they would before they were incurred. 
Still No One Ever Removes them. 
TWO- Freedom Mortgage did an escrow analysis in XX/XX/2020, using incorrect numbers. This caused a great increase in my mortgage payment. I called and argued many times. I explained they were using figures based on homeowners insurance I no longer had ( I got a cheaper rate ) & Taxes that had been appealed. 
Freedom Would Not budge. So I waited until after they paid my HOI & Taxes, having a very substantial amount left in my escrow, I called them again, & Requested YET another escrow analysis. I stressed that I need this money, I am struggling to keep my business going & my home. I was advised it would be available in 10 days -2 weeks. Well no one ever contacted me, and today when I called, I was advised I would not be given the analysis, " Just Because ''. Nearly {$1000.00} in my escrow account, MY MONEY, I need it & they will not give it back. There is no reason to keep OVERCHARGING me, when I am struggling. I don't want to refinance my home. I want my money, I want you to stop overcharging me. I want you to pay me interest on my money, just like you charge me. 

Freedom Mortgage is not honoring what they say.

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 2021-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was having email with my real estate agent from this XXXX from XXXX. His name is XXXX XXXX, XXXX real estate agent, XXXX. I send an email and got feedback lastly on XX/XX/XXXX, and submitted some documents on XX/XX/XXXX. For XXXX XXXX payment and change my information, I send an email asking about that to XXXX. However, I got an email with information about certain bank account, Account Number : XXXX XXXX Number ( Routing ) : XXXX Originally I have to pay my rent through online portal for tenants, but at XX/XX/XXXX, the bank system was down so I thought this is onetime adjustment. So I paid XXXXUSD from my Bank of America account to the scammer 's XXXX account. I trusted him because on XX/XX/XXXX I requested tenant portal update and I got an email about it. Also I replied to original lease email from XXXX so the email conversation was between me and the real estate agent. I don't know how he could break into the conversation and reply to the right original email address ( XXXX ), because the scammer 's email address was diffrent ( XXXX - no 'S ' in the address, I found yesterday ). So this is how I paid to scammer 's account {$1200.00}. I asked to my bank and they said it is hard to reverse the transfer and will take times. The police does not care this case. I just want to get my money back. If the scammer 's bank account can be concealed, it would be great.

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 2021-08-12
Company: CL Holdings LLC
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: Investigation took more than 30 days

Complaint:
I Filed a dispute in regards to the incorrect items on my credit report. It has been well over thirty days and I Haven't Received any results to my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: AMERICAN EXPRESS COMPANY
State: PR
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:
On XX/XX/2021, I received my bank statement from my AMEX credit card, reflecting a balance of {$14000.00}, some charges for purchases not authorized by me are evidenced. Most of the charges were made on XXXX and XXXX. I immediately contacted AMEX and XXXX to indicate the fraud of which I had been a victim. Both companies told me they were going to investigate the charges. In communication with AMEX they offered me to continue with the card and I told them that I was not interested because they did not protect me as a user, they never called me to alert me of such consumption. For its part, the company XXXX did confirm the fraud and proceeded to make a refund to the AMEX bank for a total of 12 refunds. I continued to claim AMEX for the other charges and they kept saying that I had to pay the remaining amount. However, in the phone calls it is evident that I recognized my real consumption that was well below {$3000.00} dollars and in fact I managed to make a payment of {$500.00} dollars. Currently, the AMEX entity transferred the account to a collection company called XXXX that has continued the process of collecting the total doubt. I have made it clear that I have not consumed anything at XXXX or XXXX. Therefore, my claim is because AMEX does not accept that it was a fraud, which has affected my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation