BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-03
Company: Real Time Group, Inc.
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please refer to my complaint XXXX and the XXXX  response ! 

1. In my correspondence with XXXX  for last 10 years and before, I have always received copies of HELOC NOTE WITHOUT blank endorsement stamped on the last page but only with mine and my wife signatures and dates. 

2. All copies of HELOC NOTE received for last 10 years and before on the front page says '' CERTIFIED TO BE A TRUE AND CORRECT COPY OF THE ORIIGINAL ''. How did XXXX  send us the copies over the years which is contradicting the certification on the first page?

3. XXXX  has to prove that the signature is WET SIGNATURE and its not stamp. I have 9 different signatures of XXXX XXXX XXXX on different stamps in different countrywide offices nationwide and also on document signed elsewhere completely different way. 

4. I am claiming that this stamp was added on the NOTE after my repeated requests of getting original copy of the NOTE. At what point in time it was added I donot know. Only XXXX  custodian which I presume is XXXX XXXX can attest to it. 

5. XXXX  brings a XXXX statute saying that date is not important and that is fine for normal cases but what XXXX has done with ROBO-Signing was FRAUD and its all in open. XXXX execeutives in swearin testimony have accepted that surrogate XXXX employees were involved in robo-signing these endorsements using stamps in a wellknown scandal. so what XXXX  is defending doesnot make sense. 

6. Any one can get access to these stamps any time and stamp the NOTES. That is what happened before XXXX filed for bankruptcy. Therefore having date is to remove the discrepancy. 

7. Please provide date of this endorsement. Of course my attorney will litigate this isssue in foreclosure mediation and/or before the judge. 

8. We can avoid this piece of litigation if XXXX  can prove that its wet signature of XXXXXXXX XXXX XXXX and the date when it was signed. 

thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: EQUIFAX, INC.
State: IN
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: URS Holding, LLC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/XXXX I leased XXXX XXXX and in XX/XX/XXXX, I returned this car. I leased XXXX XXXX XXXX from XXXX XXXX XXXX. Before I leased this car, they run my credit history and never missed any payment and have an excellent credit history. 10 days ago I received call from the company All Trans Financial, Phone number XXXX. XXXX XXXX threatened me that they I owed money. I explained him, that I can not get new car from the same company if I owed money. Every month money goes directly to XXXX XXXX  from my checking account. XXXX not only threaten me also told me that Trump can deport you. He called me many times to my house and my cell phone. I did not owe a single penny to XXXX XXXX. You can check my credit history that my XXXX account closed and never make any late payment. Please stop them to play with my credit history. I explained XXXX that why XXXX company never called me and they gave my new car if I owed any money. Please help me. I XXXX XXXX in University and never owed any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I bought a 2021 XXXX XXXX in XXXX of 2021. XXXX XXXX has the loan on it and I have made all monthly payments to date. XXXX will not report this to the credit bureaus and as a result it has and continues to have a negative impact on my credit score.

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 2022-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have recently discovered that there is unauthorized information in my name being used on my credit report and would like to formally file a dispute. This information is unauthorized and i was not approved to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my report and I was NOT alerted to this information being authorized on my reports and I am insisting that they be DELETED from my credit report as soon as possible. These items are fraudulent and are impacting my GOOD relationship with creditors. I have reported the theft of my ID to the FEDERAL TRADE COMMISSION, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit that i have attached in regard to this incident. Please investigate these matters and see that the disputed items are removed as soon as possible. 
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 2017-07-07
Company: Augusta Collection Agency, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Debt Collection Company Augusta Collection, XXXX XXXX ( SP? ) Owner. XXXX For several months we have been receiving automated calls to our home phone. Attempts to press 9 to talk to an agent have resulted in being disconnected or being sent to voicemail. Any response to the automated calls result in immediate call backs from the automated system that disconnect when answered. I have blocked several phone numbers from this company but they seem to be able to circumvent this and manage to get through, I assume they have multiple numbers. All this calls have been for my Mother-in-Law who has never lived here and has been in a XXXX XXXX for several years due to XXXX XXXX XXXX XXXX XXXX. My wife has a POA for her which I assume is how they got our number. We are on the do not call list. Today after receiving another automated call with no response I redialed the number and for the first time a person answered the phone. She immediately started demanding information and I told her until she identified the company and herself I was not going to give her any information. She said she was the owner of the company and asked if XXXX lived here and I said no but she was my mother-in-law and what debt did this concern. Again she started demanding the address and phone number wheremy mother-in-law lived and when I told her until she explained what this was about I was not giving any more information. When I started to tell her I did not appreciate the harassment she hung-up without saying anything. In my assessment Augusta Collections is a third party debt collector using technology and intimidation to get money from frightened or confused individuals. Harassment is their business model with the hope of recouping a marginal percentage of purchased debts. They have no concern or interest in the individual or situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Brown Olcott, PLLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX has used a debt collection company to collect on past dues. We have disputed the debt and now they are trying to issue a default notice and foreclose on my house. I have entered my statement, regarding the debt. It is always different every time they send a new notice. I finally received an itemized statement and found missing or incomplete payments, which I have proof of. These are only the ones I found. Its possible other missing payments exist too.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-04
Company: EQUIFAX, INC.
State: FL
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:
I bought a 2021 XXXX XXXX in XXXX of 2021. XXXX XXXX has the loan on it and I have made all monthly payments to date. XXXX will not report this to the credit bureaus and as a result it has and continues to have a negative impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX I called Capitol One to find out about their international incoming wire procedures and fees. I was told that they ( Capital One ) does the foreign exchange and can charge up to a {$14.00} fee for the service. I had over $ 648k AUD in XXXX to move to USD. I called my other bank as well to figure out the best plan as I had a choice to send it in AUD or USD. If I sent in USD, there would be an intermediary bank doing the fx which is normally lower rate plus their fee. Based on the information given by Capital One, I wired it to them in AUD. 

When my wire came in, it was much lower in fx than expected. I called Capital One again to be given wrong information and was told it was sent USD. Capital One told me that they would not accept foreign wire in on my account and I was given instructions based on another type of account and they would have rejected it. I called XXXX who confirmed it was sent AUD as I instructed. 

After numerous calls to Capital One they finally told me that they instructed the intermediary bank to do the FX, which is again a lower exchange and higher fee. I would have never used Capital One had they have given me correct information. I lost anywhere between $ 5- $ 12k on the exchange. 

Capital One said they listened to one of my phone calls and confirmed that the agent gave me information on their retail account and not based on my type of account ( 360 ). Ive sent numerous emails and have called and they stopped returning my calls or emails. Capital One had no authority to instruct the intermediary bank to do the foreign exchange and should have rejected the wire. Or they should have given me the correct information so that could have sent it to my other bank who would do the exchange themselves or I would have done the fx in XXXX via XXXX. 

They have not accepted any responsibility for their error and bad information which cost me a significant amount of money which also delayed closing on my house purchase because I was short $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was out of work last yr. for 3 months due to XXXX XXXX XXXX. I had a check bounce one day before my check was deposited after I went back to work and the bank did not cover this check. I was charged a bounced check fee, from the bank and also the Insurance company that it was going to. The problem I am having now is that this bank, " XXXX XXXX XXXX '' out of XXXX, Pa. took over the small bank, " XXXX XXXX '' out of the XXXX, Pa area and is charging a late fee of {$12.00} EVERY THREE days. This is outrageous, every time I have gone there to cash my check, I met other people there complaining about how they ca n't get their money out, even though they deposited cash, I too have been told that I ca n't withdrawel my Cash out for 3 days. Why? Does it take that long for them to make a few bucks on my cash deposit before I can use it myself, They have sent this to a collection company for pmt. which I have already paid the Bounced check fee, but nothing else and I do not plan to pay {$12.00} every 3 days for this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have a credit card with XXXX, opened 6 months ago. According to XXXX, Bank of America, which is my personal bank, has been stopping and returning my payments to them, even though I have ample funds to pay my scheduled payments. On XX/XX/2019, a scheduled auto pay of {$25.00} to XXXX was returned by B of A unpaid. On XX/XX/2019, a payment I sent of {$54.00} was returned unpaid XX/XX/2019. A scheduled payment on XX/XX/2019 was cancelled by the Bank of America. XXXX has closed my account, and I can no longer use the credit card. 
I called Bank of America on XX/XX/2019, and spoke with XXXX in Texas at XXXX XXXX. I was transferred to XXXX in bill pay. XXXX called XXXX, and promised Bank of America would write to XXXX explaining B of A 's continual errors had caused my problem. During this call I spoke with XXXX at XXXX XXXX ( same phone call ) and she told me I would be receiving a copy of the letter to be sent to XXXX to solve the problem. This woman had me spell out and confirm my email address repeatedly, even though I have been receiving email from the Bank of America at that email address for years. No letter was sent to me. 
I called Bank of America at XXXX XXXX on XX/XX/2019 to check why nothing had been done. I spoke with XXXX, who transferred me to XXXX, who helped me initiate a conference call to XXXX.XXXX from XXXX ( id # XXXX ) and I spoke as of XXXX XXXX. We were transferred to XXXX at XXXX ( ( id # XXXX ). XXXX took a credit report from me to see if she could restore my card. The system has locked my account down and could not be reopened. XXXX would not speak with Bank of America and myself on the phone at the same time. 
I wrote a letter asking for help from XXXX Executive Branch. XXXX ( sp? ) from the Executive Branch of XXXX called me to tell me a letter needs to be written from Bank of America, on their letterhead, to XXXX, XXXX XXXX XXXX, XXXX XXXX, SD, XXXX. XXXX 's phone number is XXXX XXXX. She called me Friday, XX/XX/2019. The letter needs to indicate that bank error has caused my unpaid payments. I spoke with XXXX in West Virginia at Bank of America on XX/XX/2019, XXXX, and requested a supervisor. I was advised the supervisor would call me back as soon as 15 minutes later. No call was ever received by me from anyone at Bank of America since then.

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 2017-11-10
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I currently have two auto leases with TFS. Due to a XXXX of my father, I had to change the way the payment was drafted. Once this change was made, they began applying payments to my XXXX, when they were intended for the XXXX. The XXXX ended up have multiple 30-day late reports on my credit. Backup information was supplied to TFS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
Ally Finan I Inquiry fromXX/XX/XXXX Institution Information Ally Finan I XXXX, MN XXXX ( XXXX ) XXXX Hard inquiries generally occur when a financial institution, such as a lender or credit card issuer, checks your credit report when making a lending decision. They commonly take place when you apply for a loan, credit card or mortgage, and you typically have to authorize them. Hard inquiries could lower your credit score by a few points and may remain on your credit report for two years. Fortunately, as time passes, the damage to your credit score usually decreases or disappears, often even before the hard inquiry falls off your credit report. I have no knowledge of this account nor why they were checking my credit score. Please erase this inquiry. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: CITIBANK, N.A.
State: MO
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:
XX/XX/XXXX I purchased XXXX XXXX spring training baseball tickets through my Citi XXXX XXXX Card for a XX/XX/XXXX game with the XXXX XXXX XXXX in Florida. Total charge was {$530.00}. I had to travel from my home in XXXX XXXX, Missouri to attend that game. Early in XXXX - XXXX XXXX XXXX cancelled spring training due to the Corona-virus - thus no spring training games were held in XXXX. XX/XX/XXXX - I disputed the transaction with Citi XXXX XXXX- stating I should not have to pay for a game that was not held. After completing all the dispute process steps, talking with XXXX and the XXXX XXXX, I received a e-mail from XXXX  on XX/XX/XXXX ( the company that sold the XXXX XXXX tickets ) that stated the following : " The dispute has been resolved in merchant ( XXXX XXXX ) favor, as decided by your financial institution ( Visa ). Subsequently on XX/XX/XXXX I cut up my XXXX cards and sent them back to XXXX with a letter closing my account, because XXXX insists I pay for a product that did not exist. Since then XXXX has reported my account as a bad debt and sent it to a collection agency, and the collection agency ha also reported it as a " XXXX '' bad debt. These actions are wrong as I should not have to pay for something that I did not receive and did not exist. 

Recently a second XXXX  credit card ( XXXX XXXX- which I have had since XXXX ) - also issued through Citi - has been closed ( not renewed by XXXX ), as Citi has a policy of not renewing credit card accounts if the customer had an account closed by XXXX  ( note : I closed the previous XXXX account - the company did not ). I believe Citi 's actions in both credit card cases are bad business practices and have defrauded me.

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 2017-11-07
Company: JPMORGAN CHASE & CO.
State: CA
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: Overcharged for something you did purchase with the card

Complaint:
My wife and I were travelling in XXXX, XXXX for our honeymoon. On XXXX XXXX, 2017 we went to the island of XXXX and rented a jeep from a small vendor that approached us off the ferry. 

The jeep rental was around {$70.00}. The jeep was a piece of XXXX. We had it for no more then 6 hours that day as Tropical Storm XXXX was coming in and we had to head back early on the ferry. 

Upon returning from our honeymoon and a couple weeks later, I noticed a charge for {$1400.00} on XX/XX/XXXX. I never charged that much so immediately called Chase Bank to report it as Fraud. They deleted the charge. 

They later said since I was in possession of the card, I approved the purchase, and it 's not Fraud. 

They then sent me to dispute the claim. The dispute people did nothing to help me dispute the claim. 

I remember the vendor saying {$1400.00} is pesos, not US dollars. I was frauded out of more then {$1300.00} dollars while in XXXX. I do n't speak XXXX. I trusted my card would be protected. That someone with a XXXX machine would be a reputable vendor. 

Chase has done nothing to help me fight this and has put the burden of proof back to me. They are too lazy to protect my rights under Regulation E. 

Please fight for my rights and help me get my money back through Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief