BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-29
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am a XXXX veteran trying tp purchase a home. I noticed that XXXX XXXX is duplicated twice on my equifax report listed below. I dont owe this company anything. 
According to Louisiana state law CC 2682. 
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. I have not EQUIFAX, Transunion have not showed proof please remove. This is affecting my ability to provide shelter for my family. 
Equifax 1. Date Reported : XX/XX/XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1500.00} XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX I received an email saying that I opened a checking account with Bank of America, although I did not. I do have a credit card with them and logged into my account and noticed the checking account that I did not open. I believe that Bank of America opened this checking account without my permission. I have tried several times to get a hold of their fraud department but have not been able to reach anyone. I need the account closed.

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 2018-02-21
Company: ERC
State: ID
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 am in the process of purchasing a home. I had my credit pulled and was surprised to see a collection from ERC which dropped my score significantly. I have received no phone calls or contact via US Mail to confirm this collection is mine. Due to this I did not & have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. The balance says zero and is paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I experienced financial hardship in XXXX in XXXX I was forced to file bankruptcy - Navy Federal was one of the accounts that I had to include in the bankruptcy filings, the amounts of the loans were XXXX and XXXX. These two loans were included in the bankruptcy filings. The bankruptcy was discharged XX/XX/XXXX and the civil case number for the proceeding is : XXXX. 
While attempting to rebuild my XXXX XXXX XXXX continues to report the account balances late, and have been reporting the balances late immediately after the discharge on XX/XX/XXXX. 
While I am attempting to rebuild my credit and my life, Navy Federal Credit Union continues to try and thwart my efforts by reporting the balances as past due each and every month. I believe that this is clearly a violation of the FCRA of XX/XX/XXXX ; These are willful and negligent violations which continue to decrease my credit scores and my FICO scores. 
I sought the protection of the Bankruptcy law however XXXX XXXX continues to be in violation seeking payment of a debt that was included in the bankruptcy procedures. I have been provided a telephone number XXXX, to contact and I am consistently told that I still owe the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: EQUIFAX, INC.
State: GA
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:
I recently submitted a complaint about how Equifax stated they verified a Bankruptcy on my credit report. I am aware that under the Fair Credit Reporting Act of 1971, are to only report one hundred percent accurate information. I submitted my complaint through the CFPB and their response was not made through the CFPB which is also a violation of my right to due process. Equifax did this to hide the fact that they know that they are reporting inaccurate information. The response has been the same, verified through a third party XXXX. The information purchased by Equifax from XXXX has redactions that are required under XXXX XXXX laws. XXXX is not provided a full and complete social security number nor are they provided a full and complete date of birth when they purchase public record information from any Court. XXXX then sells that incomplete information to the major credit bureaus as verified and validated information. In doing so, XXXX and Equifax have violated the Fair Credit Reporting Act of 1971 by reporting and providing inaccurate and unverified information about consumers. I demand that XXXX and Equifax be investigated for fraudulent business practices as well as violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: PLANET HOME LENDING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I've tried numerous times to work with my mortgage company only to be denied 7 applications for assistance. Now I can't get a call back. I've tried selling and couldn't because they added ridiculous fees making it impossible. They say they sent correspondence. I didn't get anything until I filed a complaint and received everything at once. I have a XXXX XXXX backed loan and this mortgage company is no assistance. They prolong things so that they can file foreclosure and I lose my house. They are scandalous and shouldn't be allowed to service mortgage loans in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXXXXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$1100.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: ORG GC GP Buyer, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX To XX/XX/XXXX Assumed debt through Original creditor XXXX {$2600.00} Original creditor XXXX sold the assume debt at a much higher price to GC services XX/XX/XXXX for {$3300.00}. 
I sent out a dispute letter around XXXX I havent received any notification of GC services selling the assumed debt to XXXX  XXXX XXXX  on XX/XX/XXXX {$3300.00}. Ive recently sent out a validation letter to GC Services to receive a mailed contract of the assumed debt that was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/2020 - Purchase from Farzey.com ( {$130.00} ) XX/XX/2020 - Requested Update regarding order. ( Site promise delivery within XXXX days ) XX/XX/2020 - Requested Refund from Vendor XX/XX/2020 - Filed complaint through PayPal requesting refund. 
XX/XX/2020 - PayPal stated resolution would be complete by XX/XX/2020 XX/XX/2020 PayPal extended resolution process to XX/XX/2020 XX/XX/2020 PayPal extended resolution process to XX/XX/2020 XX/XX/2020 PayPal extended resolution process to XX/XX/2020 This complaint is against PayPal who has violated my rights as a consumer. I have requested a refund for this purchased which provider has failed to deliver, going on four months. I understand XXXX is XXXX customer and they are trying to do all they can to help their customer ; but in doing so, they have violated my rights to cancel this purchase which vendor promised within 10-25 days. I understand packages have been delayed due to current  Covid-19 concerns. XXXX and PayPal needs to understand, that due to their failure not to meet what is listed on their website, I have purchased and received the same items from another vendor and again requesting a full refund. I dont need duplicates of the items they have been unable to deliver. Once a purchase is made, does a vendor have unlimited time to deliver the order or should the customer have the right to have a reasonable expectation of receiving the order? If the vendor is unable to deliver the item within a reasonable amount of time, does the customer have a right to cancel the purchase? PayPal has decided to fully support XXXX, and deny me any liberties regarding the vendor/ customer process post purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened this account on XX/XX/XXXX. Until now I have no way to access my funds. They still havent sent me a debit card and now they tell me they are closing my account for security reasons. This is totally unfair business and is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: Monterey Financial Services LLC
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: Account information incorrect

Complaint:
Monterey Financial continues to Re-Age a delinquent account, as well as increase the amount owed. The account was originally reported on my credit on or around XX/XX/XXXX. The account now reflects the open date to be XX/XX/XXXX. It also has increased by approximately {$2000.00} dollars from what was originally reported. I have provided information to the company that proves that the account should no longer be open, but they refuse to investigate with the original creditor as well as the business where the product was returned to and contract cancelled. The account number also continues to change within several emails and dispute inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We were notified via XXXX that equipment had not been returned and failure to do so would result in collection. We were informed after we had already moved. We quickly found all equipment and sent it back via XXXX as per request from XXXX. That is the last we heard from them. We were not notified of cancellations fees or any other fees associated with terminating due to moving. Had we known we would have corrected this issue before they sent it to collections. Now it is hurting are ability to close the mortgage on our home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-25
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XXXX XXXX continues to charge my XXXX Store Card for many items that Ive already returned to XXXX. I have repeatedly contacted XXXX and XXXX XXXX regarding numerous issues with my account, yet XXXX XXXX   has not taken any action to remedy the situation despite their receipt of documentation establishing that I returned these items. 

More specifically, I disputed eight different transactions. All of these disputed items are recharges for items Ive already sent back to XXXX. XXXX  own website acknowledges that my returns are each in transit back to XXXX, and Ive already sent proof of this for each of the disputes. I can not be held responsible for the mail carriers delay in providing the returned merchandise to XXXX. Because I complied with all of my return shipping requirements, XXXX may not recharge me for any of these items. 

I sent this message, along with a Dispute Acknowledgement Form and accompanying print-out from XXXX website for each of the eight transactions, to XXXX XXXX on XX/XX/2018. I still have not received a response from Synchrony, but the charges continue to appear on my credit card statement. I am also continuing to incur interest on each of the transactions.

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 2020-12-16
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
afni collections XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX,XX/XX/XXXXXXXX Account # XXXX Original Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX and its agent ( afni collections ) states I owe a balance of {$120.00}. I have also recently found out that a settlement was offered for {$64.00}, " I do not owe any money to XXXX XXXX XXXX XXXX. '' In fact have contacted them on a number of occasions to get a copy of itemized bills for the claimed amount. Here is a list of recently documented contacts : - On XX/XX/2020 I talked to XXXX XXXX XXXX rep XXXX who stated they would send copies of bills, thereafter I was transferred to Collections Rep. Ms. XXXX, this Rep. reviewed the account and stated charged had something to do with equipment charges. I stated that impossible because I was advised there was no need to return the XXXX XXXX XXXX modem, if fact it still sits in my storage room! She opened a request and gave me reference # XXXX, and state the XXXX Back Office Team ) would contact me. I have not received any contact. 

- On XX/XX/2020 @ approximately XXXX talked to Rep. Ms. XXXX regarding issue she opened up a request and provided reference # XXXX. I have not received any information. 

-Recently on XX/XX/2020 I called and was transferred to Rep MsXXXX XXXX ID # XXXX who advised me she could not access the account due to some system issues and stated I would need to call back. I advised the Rep I would not be calling XXXX XXXX XXXX back and would pursue other legal remedies. 

I can not believe I am going through all of this for {$120.00}, this is erroneously affecting my credit at this point and I am seeking all avenues of relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Continental Services Group, Inc. d/b/a ConServe
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed it with the CRA, the Dept of Ed the person who reported the inaccurate amounts, and XXXX the debt collection XXXX, who reported the inaccurate amounts to the Dept of Ed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: CITIBANK, N.A.
State: VA
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:
Case ID : XXXX with Citi dispute. 

Dear Sir / Madam, I am writing to dispute a charge of {$2700.00} to my Citi credit card account ending XXXX on XX/XX/XXXX. 
The charge was a different payment for the same charges because the initial charge was on an old Citi card ending XXXX that I used to purchase the ticket on XX/XX/XXXX. 
I purchased the initial ticket from XXXX XXXX on line directly on XX/XX/XXXX for an overseas trip scheduled on XX/XX/XXXX, XXXX.Months after I purchased the ticket Citi found suspicious activities so my Citi card ending XXXX was cancelled and a new card ending XXXX was issued. On the day of my trip when I arrived at XXXX counter the lady at the check-in desk refuse to honor the ticket because the new Citi card number did not match the card number I used to purchase the initial ticket. She re-charged my new credit card on XX/XX/XXXX in order to match the ticket with the credit card. She was supposed to refund initial amount to my credit card but that did not happen. 
I could not find any records that Citi credited my account with an amount of XXXX dollars for the bill I paid from the XX/XX/XXXX charge.. I was able to find my initial purchase statement on XX/XX/XXXX on line, as well as my hard cover statement. 

I wrote to Citi and exlpained in detail what had happened and mentioned that I was able to pull last year XX/XX/XXXX statement on line at Citi bank site when I logged into my account on XX/XX/XXXX. After my email to Citi the statement on line for the purchase was deleted and can not see it anymore but luckily I downloaded a copy to a spread sheet and I have the original hard copy statement. 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement .Below are the credit card transaction I pulled from Citi bank account on line to prove my case. 
Initial charge : Cleared XXXX XXXX  XXXX : XXXX XXXX XXXX Initial Ticket Purchase on XX/XX/XXXX with old Ci # credit card ending XXXX XXXX  DEPART:XX/XX/XXXX XXXX TO XXXX  : DL : CLASS XXXX XXXX : STOP : O TO XXXX : DL : CLASS : Z : STOP : TO XXXX : DL : CLASS XXXX Z : STOP : X TO XXXX : DL : CLASS : XXXX : STOP : Another charge : Cleared XXXX XXXX XXXX FLNAME : XXXX XXXX DEPARTXXXX XXXX TO XXXX : DL : CLASS : Z : STOP : O TO XXXX  : DL : CLASS : Z : STOP : TO XXXX : DL : CLASS : Z : STOP : X TO XXXX : XXXX : CLASS : Z : STOP : X XXXXXXXX XXXX Second charge by XXXX XXXXn XX/XX/XXXX on the day of departure due to credit card change with new number ending 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 2016-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
Capital One has been bouncing me around between payment plans. I have been offered so many that when I think I have agreed to one they change it and I end up on something I can not pay and did not agree to. When I call capital one they swear I only been offered XXXX plans. Which is not true. They deny all phone conversations I 've had about this. They only reference chat. One they applied to the wrong account and I was blamed for it. 

See attached information for the XXXX different options I was given in less than 20 minutes apart.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In late XX/XX/2018 I received a letter from Wells Fargo Bank dated XX/XX/2018 stating my mortgage had been transferred to XXXX XXXX & XXXX XXXX XXXX effective XX/XX/2018. It stated my servicer would be XXXX XXXX   XXXX, XXXX. ( Copy Attached ). On XX/XX/2018 I received another letter from Wells Fargo Bank stating XXXX XXXX XXXX XXXX would be servicing my mortgage loan. ( Copy Attached ) Meanwhile I made my XXXX and XXXX payments to Wells Fargo Bank. I have received a statement from Wells Fargo Bank for my XXXX payment. ( Copy Attached ) I have not received any letters or documentation from XXXX XXXX & XXXX XXXX XXXX or from XXXX XXXX XXXX XXXX about this matter. 

I wasn't notified 15 days before the transfer of my mortgage and it seems to me that further notifications I should have received never took place. Please help me with this because I do not want my mortgage payments or home jeopardized. 

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