BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-04
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

My only address is : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX All the other addresses are not valid and each one has to be deleted from my credit file. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
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: Information belongs to someone else

Complaint:
hippa cra violation never late and showing inquires that are not mine sent police report enclosed are hippa and cra violation XXXX included with showing a late everything i sent to everyone equifax breach has cost me my life

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-16
Company: Paypal Holdings, Inc
State: VT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
PayPal - I sold 2 gift cards on XXXX XXXX on XXXX. I received payment for both gift cards within minutes of the sale. I provided the gift card account numbers and access pinns within a half hour of receiving the payment. There were successful transactions, and I have not received negative feedback. I did request feedback from the purchasers, but as feedback is optional, it has not been left. 

To date, PayPal has not released the funds I received from these sales - 10 days after the sales took place. I have contacted PayPal about releasing the funds and they refuse. 

Transaction # 's : XXXX XXXX PayPal has sent me canned responses regarding their hold times policies. I understand these policies, I 'm a long time PayPal user. However, holding my money for this long is excessive, and I want my funds released for use immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-16
Company: WELLS FARGO & COMPANY
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I worked for Wells Fargo for about 2 yrs. In that time, I took out a loan and made my payments. Once I left the company due to the companys unethical behavior, and out laddish sales goals. I counited to make my payments which where automated by the company to come to be taken out of my account. The company then waiting 5 months to inform me that my payments werent being taken out. I set my automated payments once again and was back on track with payments via the company. A few months pass and again I get a call from the company stating I am behind and my payments have not been taken out. At this point more, money and fees had been taken out. I would like this removed and off my credit. Wells Fargo has taken advantage of its customers and I should not be penalize for unethical behavior. 

Thank you, 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 2017-10-14
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citibank has held my funds for over 2 months. In XXXX XXXX, I deposited a check for about $ XXXX into my account. Since that day, they held my funds. They claimed that the check did not belong to me. Despite the check being under my name, Citibank still refused to release my funds. As of XXXX XXXX, I have called them over 100 times and tried to verify that the funds do indeed belong to me. The check was coming from a car insurance company as compensation for a totaled vehicle. 

Citibank asked me to provide proof of a business registration document by going to the branch. The document was taken to the branch, but after several phone calls to Citibank, they still refused to release the funds. Then, they told me to fax the documents to them. I did so, but then they said the documents were not received at the correct department. Despite this, the documents were faxed again a third time. 

They closed my account and have not paid my funds. 

Citibank is a dishonest bank and after 2 months of stress and calling, they still make excuses by repeatedly telling me to call them on Monday to resolve this issue.

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 2018-01-13
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I wired out {$22000.00} on XX/XX/2017 from my XXXX account. But it still doesnt show in my XXXX USD Account. I spent plenty of time to contact them by email and calling. But no answer yet. Please help me out what I checked from my bank is it has already been deposited in their bank, please refer to the XXXX # that I got from my bank

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The Bank of America to date has not responded in good faith to numerous attempts to resolve this dispute since XX/XX/2018. The trip booked on the XXXX XXXX was paid in full, in advance, per the merchants invoice ( sent to the BOA ). The Bank of America states that subsequent add on charges to the invoice were not paid. Those supplemental charges from the merchant were added on several months after the trip was paid in full. I have asked on multiple occasions for the Bank of America to provide documentation from the merchant showing that the added charges were noted to the client as being supplemental at the time the booking charge was totaled by the merchant and was paid in full as required prior to taking the trip. 

The Bank of America has not, and can not provide documentation showing the validity of the charge and that the client was pre-informed of these charged beforehand and agreed to them. If the Bank of America can provide documentation showing that the client was notified at the time of booking that the total stated and paid was to later include further supplemental charges then please provide that documentation and the billing will be paid upon receipt. 

Otherwise, if the Bank of America can not provide documentation showing the client had been advised of further supplemental charges and agreed to such charges then this issue is now closed since the dispute has been unresolved by the Bank of America for a period of over 7 months. 

It appears that since the merchant and the Bank of America can not provide the documentation that the charges were " hidden '' and not defined to the client prior to taking the trip or included within the paid in full total amount invoiced by the merchant.

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 2018-08-29
Company: AES/PHEAA
State: TN
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: Problem with personal statement of dispute

Complaint:
I originally disputed late payments. I ended up sending goodwill letters asking for late payments to be removed to American Educational Services. Now on my reports its says that i am still disputing, which I am not, after resolution. I sent letters saying I am not disputing and to remove statement several times off my credit reports to the credit bureaus and AES with no response. I would like the statement removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: ARVEST BANK GROUP, INC.
State: KY
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:
On XX/XX/2020, ARVEST BANK - EQUIPMENT add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX and XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per 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 2022-01-11
Company: BANK OF THE WEST
State: NC
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:
On XX/XX/2021 BankOfTheWest reported a late payment for XXXX! This is has caused me financial harm. BankOfTheWest has failed to process my payment by incorrectly entering my bank account Information, which caused a payment to fail. I was transferred many times with no resolution, only false hope being told that I would get a response on XX/XX/XXXX and that has now passed Im demanding BankOfTheWest to removed asap! Or legal action will be taken! My account is current and up to date for 1-2 years and no late payments!

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 2021-11-23
Company: Affirm Holdings, Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I had a line of credit with affirm for a chair I bought from XXXX  XX/XX/2021. It says you will receive the product within 20 days. I never received it. So since I did not I filed a dispute with affirm. I had to send the screen shots of the problem multiple times ... .after a month they were finally disputing it with the card...... I guess that takes XXXX days they said you won't be able to make anymore payments while it's disputing. 

Now that I go to use affirm again they denied me for failing to pay my loan!!! I was like no it's in dispute. They sent me a letter for credit denial because I failed to pay my loan... .the loan that is in dispute. This is incorrect information. I did not fail to pay my loan. I paid it up until they said I can't anymore since it is in dispute. Not to mention I still have not received a refund for the payments I did make for a product I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 car broke down and I needed a new car to get to work and back home. I went to the dealership to shop around for a car. Before I could make any purchase I had to get my credit report pulled. While they pulled my report I was told that I would have a high interest rate due to multiple things listed on my report that did not belong to me. Could these items listed below please be removed from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX {$67.00} XXXX XXXXXXXX XXXX XXXX XXXX {$4200.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2018-01-16
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i have not paid a mortgage since 2016 and i have a buyer who is willing to do a discounted payoff with Ocwen Loan Servicing. Due to the condition of the property i am lucky to have an offer at this time. The home has significant amounts of mold inside and out. The deck has been sited by code enforcement on more than one occasion. I do not want to take the chance of losing my buyer simply because the lender and/or investor is refusing to be reasonable. I thought that the lender was supposed to assist me with foreclosure alternatives. At this time, i feels as if the investor and/or servicer is n't doing what the government says they should do to provide me with foreclosure alternatives, i feel as if they are being unreasonable, by not allowing a review of a discounted payoff. I am desperate for help, and with no other option I am reaching out to you for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: ONLINE Information Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent SEVERAL VALIDATION requests to Online Information Services and it was never completed. They also stated in this recent letter they only verified the debt. I also asked not to send a photo copy of an old bill and that's what they sent anyway. I also have asked if they can't validate this debt to please remove from all affected credit reports. I never received VALIDATION or PROOF that I have a business contract with Online Information Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A debt collection company Transworld systems bought debt from wages military star card and they are charging interest on a debt that was sold to them and that I never signed contract with Transworld but with aafes

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have made several attempts to rectify this matter with XXXX XXXX XXXX, XXXX, and Tranunion. I have notified all of them that this account do not belong to me and was open as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my account.

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 2022-01-11
Company: Stallings Financial Group, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was sent bills for imaging while working out these bills with my insurance I received a final notice. I paid this bill immediately with the original biller. The next month a collections is posted to my credit for {$0.00}, with an " original balance '' of {$51.00} dollars. I was never contacted by Stallings Financial Group, I have never received a collections notice, and I have a receipt that I submitted showing it was paid before they claim the account was opened. All my credit reports except XXXX have removed it. This is pure spite because they probably already bought the debt before I paid it off with the original vendor and they lost money. I have immaculate credit. How do they get away with a " new '' {$0.00} balance account? This only would hurt a consumer who paid their bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Big Picture Loans, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I received an offer in the mail to get this loan. It stated a interest amount of around {$200.00} to borrow the {$950.00}. I was under the impression that I could pay this off in a month and only pay the interest and what I borrowed. I have tried to get a hold of the company and they insist that all the payments I have already made were completely interest and I still owe {$950.00} plus more interest to get out of their debt. I have currently paid {$890.00} in interest only and {$33.00} towards the {$950.00} I borrowed. I just want them to let me pay the fair price for what I owe them from what I borrowed and be done with this. Right now they are debiting {$180.00} every 2 weeks from my bank account and they state they will not quit doing this until XX/XX/XXXX. That will be {$3700.00}. Please help me in getting this settled. I was uniformed and unable to view the lending disclosures on how much this would cost me until after the funds had been delivered. I was under the impression I could pay this off with a reasonable interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/XXXX I was involved in an internet scam, but unaware at the beginning of the transaction. On XX/XX/XXXX I was charged with XXXX XXXX XXXX XXXX. Bank of America, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX sued me for XXXX XXXX on XX/XX/XXXX in XXXX County, XXXX. 
I am XXXX years old, and my source of finance is a retirement check for {$460.00}, and a Social Security check for {$890.00}. These two amounts are my only monthly income. I have been in XXXX, XXXX all my life until I left XXXX in XX/XX/XXXX after my probation period was over. On XX/XX/XXXX I moved to XXXX, XXXX. I owned/operated XXXX XXXX XXXX XXXX, State of XXXX  Department of Children and Families in XXXX, XXXX XX/XX/XXXX- XX/XX/XXXX. Since returning to XXXX, XXXX on XX/XX/XXXX, I have been trying to gain employment, but have not been able to obtain a job due to the lien on my criminal record. 
My livelihood has been affected because I am unable to get a job because of this lien. I have been sending documents since XX/XX/XXXX to the Background Screening Unit to get an exemption from Disqualification from the State of XXXX Department of Children and Families, it is a long process. 
In the process of re-sending all these documents ; I learned two months ago that Bank of America had sued me, the same Civil Restitution Lien Order that was filed in XXXX County on XX/XX/XXXX was also filed in XXXX County, XXXX on XX/XX/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 2022-01-11
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Shellpoint Mortgages gave me Covid forbearance for a period of 18 months. All along there was the promise of options to resolve the situation, things like loan modification, deferment, etc. 

My wife XXXX  XXXX in the very early stages, XX/XX/XXXX, and ended up being a XXXX XXXX XXXX XXXX, XXXX for a very long time. Shellpoint continued to offer forbearance. 

It was even at XXXX point an automated call saying that all I need to to extent my forbearance was press XXXX on my phone keypad. I did so. 

At the end of XX/XX/XXXX Shellpoint said that I needed to make a payment on XX/XX/XXXX to restart my loan. I called on XX/XX/XXXX and the person I spoke with said I could not make a payment, that they were assessing my account. 

Then I was told that since my loan had been modified just before the forbearance started, I was not eligible for any of the available options. I asked why I was not told this at the time, and was told by the person I spoke with that this information only became available at the end of the forbearance. 

Basically, the forbearance was not available to me without the need to bring ALL payments current at the end of it. 

I was, in my opinion, completely misled as to what was available to me, and now find myself with {$40000.00} in arrears on my mortgage, with foreclosure looming. 

The CARES Act was supposed to protect from demands for all back payments to be made. Why is it not effectively protecting me now? 

I have young children, and we are in a lot of emotional pain right now. I can't lose their home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation